vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings
State: NV

Complaint narrative:
I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo has allowed my account to be over drawn when I reported fraudulat charges. There were 2 checks that were mobile depositsted into my account whom ever commuted this fraud had a fake United States treasury check and deposited via mobile banking. My husband and myself have never used this type of banking we only have our employer direct deposit and also if it tax time the state and federal taxa are electronicly deposited. When I noticed this I reported it right away. Wells fargo told me that I have to eat the charges because only I could do mobile deposit from my phone and Noone else could. This is not true and here my husband and myself are are in hole in the amount of XXXX and we ca n't pay our bills cause we got paid the same day this happened and which was the XX/XX/17 and it is all gone. Wells fargo says all they can do is lost stole. Account info and we have to pay them back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
In XX/XX/XXXX I refinanced my mortgage to save XXXX a month.Since then my life has changed because of an escrow shortage that occurred during the transaction with the title agency that failed to pay a quarterly period of my taxes for the approx. amount of XXXX. This particular loan was originated among many other Companies that handled this predatory loan and was not discovered from me until 6 months after the cycle period came due to me during the process with 3 other banks at that time. At this time my lender Freedom Mortgage has this loan and was supposed to help me by going into a forebarence plan and then getting a loan modification to reduce my monthly payments, because my payments had increased from this misfortune for me. I have been on this plan since XX/XX/XXXX and now being told that the loan modification may not save me money. I have already had 2 so called " point of contacts '' and am becoming very skeptical as this is becoming more serious for me now almost 3 years later..I am making many attempts to resolve issues and have became disabled from the stress, bankrupt and on food stamps. I actually ran out of computer supplies and offered to travel to an office in NJ to complete any paperwork ... I really do not like to complain or get worked up but I desperately need some kind of advice or help from a reliable source. I also did even make an attempt last year to avoid this matter but ended up losing my second home since the cost of a lawyer 's fee would have been beyond reasonable. And I will be damned if this causes me to lose my primary residence. I was recently referred to a company who asked me for money to modify my loan and raised a series of red flags for me and did n't seem like relief programs to me and it seems there is no relief. I can no longer keep up with explaining the hardship something like this can cause and being unable to walk long distances to even fight for my rights has become difficult so if anyone does read this I am only seeking proper relief and the correct source to help take actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus ' investigations have taken too long. Its been 51 days, and I still do n't have a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Dear Sir or Madam, I am currently serving in the XXXX XXXX. However, before joining the XXXX I accumulated XXXX debt in my student loan. I tried to work things out with Navient, but they could not help me at all. My pay check is XXXX, and the payment that I make to them is XXXX. I am struggling to break even every month. Also, I tried to enroll in the federal student loan forgiveness, they said that my private loan does not qualified to that program. I want to know that if that is true or they are just lies. 

Respectfully, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This company kept on calling my phone line ( automated ) saying this is not to collect payment but is to lower my interest. And that they have been trying to reach me to lower my interest rate. I do n't have a credit card but XXXX  credit card. This company has been calling me using so many different numbers that i kept blocking. This is the last number they called me on today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
I have a first mortgage with Mr. Cooper ( formerly Nationstar Mortgage ).  For all ofXX/XX/XXXX my monthly payment was {$1700.00}. I was recently informed that my payment would increase to {$2100.00}, effective immediately. When I spoke to a Mr. Cooper representative, I was told that the escrow had increased due to an insurance increase. But my insurance premium ( with XXXX XXXX ) has not changed from XX/XX/XXXX. I was also told that there was an escrow shortage forXX/XX/XXXXand XX/XX/XXXXwhich I was then paying down monthly. They could not explain why the shortage ( 2 years in a row ) occurred, since they are supposed to determine the escrow payment to not create a shortage. In addition to this latest increase, I have been trying to get any paperwork, like a mortgage agreement, from Mr. Cooper, but all they could provide me with was the original loan documents from XXXX XXXX XXXX, the original lender when I purchased the house in XX/XX/XXXXThe mortgage has been sold twice so far, and I 've never agreed in writing to any changes in terms or mortgage details. I do know, however, that the principal balance on the loan has literally not changed in years. I 'm not sure if I need to hire a lawyer, but I 'm hoping that the CFPB can offer some assistance and advise. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX, I sent a letter to XXXX and Experian ; asking them to investigate three errors on my credit report. Two months have gone by, and they have not responded yet. I have even sent follow-up letters that have not been responded to either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I graduated from XXXX in XXXX XXXX. During my time at XXXX, my parents paid for my tuition/fees/etc. I did take up a few grants, but never took out a loan. XXXX XXXX, I received notification that it was time to start repaying a loan ... Navient said I took out a loan in XXXX XXXX for {$5500.00}, with my repayment schedule ( XXXX yrs ) totaling a loan of {$6700.00} once interest was added in. Again, I NEVER needed to take out a loan, or took out a loan. I called XXXX to rectify the situation, and at first they had no record of the loan. A week later, it popped up on their radar. They said the loan was applied to tuition. My parents looked back at their payments to XXXX and did not see any decrease in their end, so they paid the full bill. Again, I did NOT take out a loan from Navient, but was still charged with one. I have since paid the loan off, as of XXXX XXXX, but if possible want the money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NV

Complaint narrative:
I started working with XXXX XXXX XXXX to finally get out of debt on my credit cards on XXXX/XXXX/XXXX, the company was going to work with my credit cards to pay them and get out of debt, XXXX deducted from my account {$480.00} each month. I was unable to make more payments on XXXX/XXXX/XXXX and cancel my account. I received a check on the mail from the company with my refund but Global Client Solutions charged me fees of $ {$5100.00} almost 80 % of what I deposited for 16 months to pay the debt, Now I have the full debt and no money to pay. 

Global client Solutions its taking advantage of the situation and taking the limited resources I have to pay the credit cards, the offer me help, but now I see they just took advantage of me, and who knows how many people out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This is a notice of intent to sue. 

I am in XXXX, Texas and was affected by XXXX XXXX. I requested a deferment from my mortgage company, XXXX XXXX XXXX ). They granted a XXXX XXXX XXXX XXXX XXXX ( which is not what I requested or wanted and is of NO help ). Nevertheless, I was informed that " ... you do not need to make any mortgage payments. '' On the same date, I was sent a XXXX XXXX required courtesy reminder that my payment has not been sent. With all things the same, I have never been sent such a reminder. I am not sure if legal timelines are being followed. Today, XXXX/XXXX/XXXX, I am aware that CM has reported my account to the credit bureaus as delinquent. This has significantly changed my credit score. I KNOW that they have erred and will sue if not corrected immediately! CM has not been good to its customers during this time. I recognize that they have the right to help or not help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I have sent requests to Navient many times to lower the interest rate to make this more affordable for me and the lender wo n't because it 's un-subsidized. I have two other loans with them that I ca n't begin repayment on because this one is too high. 

That said, whenever I have made payments over what I owe, the next payment decreases instead of them applying it to the principal to reduce the interest being paid. They have done this with each over-payment and continue to do that. The interest rate keeps increasing and there is still unpaid interest even though I have sent in hundreds over what I owe. My chief complaint is that they are misapplying funds to keep the interest as high as possible. 

XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX - {$300.00} XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I received a phone call from XXXX XXXX stating that I was going to be served at my job and arrested for an outstanding debt. I advised I could n't have personal phone calls at work and asked him to please not call again. He then called right back and got my office manager who he informed I would be served and arrested for felony theft charges tomorrow during business hours if I did not call him back within the next 30mins. Told her it was from XXXXXXXX XXXX and gave her my social and dob. Gave a number of XXXX to call back but called on a phone number of XXXX. I then clocked out from my job and went to the back where I lost time to talk to " Detective XXXX XXXX '' who had papers in his office with my ssn on them to serve me with paperwork at my job tomorrow if I did n't pay {$640.00} to them today. Said they would send papers to my employer stating fraud charges had been filed and that I passed a debit card and then closed an account. I said I never did that. I did change banks a few years ago but did n't recall owing anyone. He went on and on about how i would be arrested and he was sorry and that he could settle for XXXX today or if I would pay XXXX today then I would owe XXXX total with XXXX a month and he might could get his boss to let him file a hardship for me and take some money out of their escroe to pay part then i would only owe XXXX. I hung up. I have now attemped to call him back and it goes to voicemail and no one will return my call after i stated I had spoken to an attorney and needed a address so I could send a validation request letter to and have never received a call back. He had my office manager ready to fire me and has caused all kinds of panic. Also he stated he was from XXXX and XXXX and I have found no record of this lawfirm nor are they tied to the two numbers I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Nationstar mortgage is charging me hundreds of dollars over the amount needed in my escrow account. I am currently in a chapter 13 and I currently have over {$2000.00} in escrow overage. I am aware that this will have to stay in the account until my chapter 13 is finished but it seems they are intentionally charging me way over the escrow amount needed and why would anyone have this amount in overage, in the past with ocwen before they sold my loan to nationstar I never had over XXXX bucks in escrow overage. after reading other complaints online apparently they do this and keep the money. This is a horrible company and they are really rude people and refuse to help with anything. I hope you can help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX is not licensed to do business in the state of Virginia.
Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge m ore
than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 

Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. 

Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. 

Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
calling leaving messages saying that I have been served by phone. I do not know who they are nor do owe a debt and also they have reported me to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My business executed 2 new vehicle loans with XXXX XXXX XXXX XXXX XXXX. Our loan officer told us that a prepayment penalty would apply if and only if we refinanced the loan. Weve since reached out for payoff amounts due to sale of the two vehicles and theyve assessed {$33000.00} in prepayment premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Why is this still on my credit file still. I was informed this remark would be removed. Please help Item is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation