vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-16 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: MA

Complaint narrative:
I had started to make weekly payments back in  XXXX , for {$50.00}.
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A total of 36 payments had been made, equating to {$1800.00}.
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There was then a repayment fee applied??? Thus, I was penalized for making payments on this loan: XX/XX/XXXX  -- Repayment Fee -- {$340.00} I had made numerous calls around that time to discuss the payments that I had made as well as the repayment fee. I could not get any assistance, nor see any of my payments being applied. There is no indication that any of my payments have reduced my principal balance.
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I had noticed another " repayment fee '' that was applied prior to that :  XX/XX/XXXX  -- Repayment Fee -- {$370.00} I had also questioned this, and was not able to get any explanation.
The account is riddled with random fees, such as " insurance premium '' and " adjustment ''. There is absolutely no explanation/indication as to what these fees are. Moreover, I am being penalized for making payments on this student loan?
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Again, I had just made a payment on  XX/XX/XXXX  for {$100.00}. This payment was not applied to principal. The entire payment was applied to interest. There is no indication of how this payment adjusted the total balance of the loan. The total balance of this loan has continued to grow, despite making the {$1900.00} payments indicated.
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It is near impossible to get a hold of customer service agent. If one is able to get a hold of an agent, they do not provide any information/clarification as to what is happening with this loan. I am being taking advantage of by this company in a very egregious way.
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The loan did not go into repayment until just now, indicating that my first payment is due on  XX/XX/XXXX  for {$37.00}. I do n't know what to do given that all my prior payments have disappeared -- and I was additional penalized by making these payments before the loan was due. This is absolutely unheard of -- and frankly an abusive practice.
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I have yet to see any of my payments being correctly applied to this loan, as well as yet to receive an explanation on all the " miscellaneous '' fees I am seeing being applied to the outstanding loan balance.
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My unpaid principal balance is showing higher than the initial loan amount. How is this possible?
Original Principal : {$10000.00} Unpaid principal :  XXXX  Unpaid Interest : {$570.00} Again, none of the payments I have made over the life of the loan have been applied. This was previously a  XXXX  loan, and there were payments made during that time as well. I have contacted my bank to obtain statements showing the payments made prior to the loan being sold to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Was signed up for overdraft on card, but don't want to be
Company: First Data Corporation
State: NC

Complaint narrative:
Hello, I am writing with a very serious complaint about Money Network.
Money Network has allowed an overdraft on my card account, which had a {$0.00} balance.
That means there was no money in the account linked to the card for the puchase to be approved. There is a reason I left this account at {$0.00} - Not for MN to   XXXX   XXXX   put purchases thru leaving the account with negative balances.
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Why does this company do things like this? And then push us to overseas customer service agents that ca n't help?
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This account is not an approved checking account that one has signed up for for thru an application. This is an employer pay card service. Even though the services act like a checking account, OVERDRAFT is something that one must sign up for and check a waiver stating that the end-user has approved the practice. None of this has ever happened with my account.
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Therefore you put a purchase thru that was not approved, causing nothing but headaches.
I would advise this company, going forward to remove the overdraft feature from their system.
If the account being debited has {$0.00} funds, the purchse should be denied!
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I expect you to remedy this and get the {$60.00} back, since this was an unauthorized purchase in the first place.
WHY - I contacted this specific company 3 weeks ago and told them to cance ; l the said accunt (  XXXX  ) to which they responded over the phone it would be done It was not done - and here we are!
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What will Money Newtoek be dong about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
Pinnacle LCC - Owner of the XXXX XXXX XXXX XXXX  ( XXXX ) XXXX and the house I rented a room in from XXXX XXXX to XXXX XXXX
The owner of the home I rented from Has posted a fraudulent collection entry on my credit report for {$600.00}.
He evicted me giving 3 days notice forcing me to sign an agreement to a 3 day eviction. This because I had been arested for XXXX XXXX and he said he read the police report. This did not take place at the rental property and this rich guy was trying to punish me for a the XXXX XXXX.
The owner of pinnicle LCC, and the manager at XXXX XXXX still owe me the remainder of the rent for XXXX after the XXXX XXXX eviction in addition to the {$350.00} deposit. {$500.00}.
This is insult added to keeping my rent and deposit money. Clearly, this guy has it out for me and he 's taking the time to violate me because of the XXXX. He 's writing on me credit report what about what he ows me to cause me more distress while taking a tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a credit account (   XXXX   XXXX   ) that is missing on my Equifax credit report. I contacted Equifax several times to correct this problem.   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , NE,  XXXX  need to be included on my credit report. This credit was opened in  XXXX /2017. The credit stated that they sent the account information to Equifax but Equifax refuse to add this credit to my report. I would like this creditor added immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Fail to Send a Written Notice of the Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I WAS NEVER CONTACTED OR MADE AWARE OF THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked Transunion several times to remove inquiries off my credit report. I did not make or authorize these  XXXX  inquiries. I would like these inquiries to be removed immediately.   XXXX     XXXX   XXXX  - XXXX -16   XXXX   XXXX    XXXX -16   XXXX   XXXX    XXXX -16   XXXX     XXXX -16  XXXX   XXXX -16

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 2017-07-16 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: Lincoln Educational Services Corporation
State: CT

Complaint narrative:
This company has called and they 've also written requesting that I pay the loan in full. I 've had situations in life arise where it left me in a financial ditch. Whenever a representative contacts me, I 've tried explaining that I ca n't pay the balance but I 'm willing to send in small payments at least by making some contribution towards decreasing this loan, but they 're never willing to make payment arrangements with me. Now it 's on my credit affecting my score and showing as delinquent when I did try to maintain a positive status with the company. It has gone to another debt collector. No luck with them and the representatives are very rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery continues to show accounts on my credit reports as open/charge off/120 days late. I 've never opened accounts with this company, they are a junk debt buyer and apparently bought some information in groups from multiple companies. They contacted me over   XXXX   apparent debts they acquired and instead of disputing with them I went ahead and paid them so they would remove the harmful information from my credit reports. This has been going on for months now and these people keep changing information on my credit reports causing me severe harm. I have sent numerous request advising them that they were supposed to delete all of their information from all credit bureaus once I paid them these debts that I never even acquired with them. I have tried so many times to get this fraudulent company to correct and remove there false information that I 'm now faced with fighting this in court. I 'm hoping CFPB will be able to start the process and get this company shut down for good. I 've been following and reading the many court cases and lawsuits brought against them for the very same thing I 'm writing about. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have an   XXXX   XXXX   account to receive early payments and it 's not reflecting my c orrect   XXXX   account ba lance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I fill out a application for a jcpennys credit card, and the lady at the jcpennys said her credit score was  XXXX  hundred and she got approve for jcpenny card. My score is  XXXX , and they did not approve me and I fill like u got discriminated against.

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 2017-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I made a   XXXX   dollar deposit to my sister 's bank account in   XXXX   on   XXXX   XXXX  , 2017 but when I contacted her to inform her she told me that that bank account had been closed on   XXXX   XXXX  , 2017.
She went to the bank and tried to reopen the account to collect the money and they said that it was not possible to do that the money had been returned to whoever sent it and now neither the bank in  XXXX  nor the company I was with whom the sending was made They want to make them responsible for delivering the money.
The company vigo says that in its system appears the money paid and that expect a response from the bank but have spent 2 weeks and do not give me any solution to the problem if not to keep waiting.
I thank you in advance for the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone using my account like me. But i was n't me, someone stole my Bank information. and i did let the Bank let know right the way. After i did notice them, The tell me the will pay my money back to my account the tell me they sorry what happen to me i will never happen again. Few days let i did see a balance on my account says i did owe them Money {$470.00} dollars i did called Chase. To ask about it the tell me i did got i double Credit. from the Company who someone Using Card as me. But i have never receiver any double Credit i did ask them why the let those people put the money in my Account they know the pay my money already. I find it not right them to tell me owe them money while they are Bank is n't secure. The keep putting the interest fee on that money like i did something the been accused me about that, Someone who stole my identity using my card while i have never been at the date of the month was  XXXX / XXXX /17   XXXX   XXXX   XXXX    XXXX  NJ card  XXXX  the amount of {$45000.00} thank you so much i hope you to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a credit card account with Citibank ending  XXXX . For three times Citibank decreased my credit limit, to approach my debit balance. My credit reports from all the credit bureaus show a good standing for all credit cards at all banks. I have never been late for my payment, and always pay almost ten times the due amount ( see attached report of  XXXX  ). When I started the account, Citibank determined my credit limit, and based on this, I could make a balance transfer, which I am paying each month, to avoid any interest accrued. However, because Citibank decreased my credit limit, this had a negative impact on my credit score, and hence Citibank decreased my credit limit as my credit score lowered, which occurred for three times. This attitude of Citibank has never happened with any other bank.
If a bank has the right to make his own policy, the bank does not have the right to abuse the rights of his own customers. Citibank should adhere to preserving the just relation between the customer and the bank, if the customer is at a good standing. Citibank should never work against the customers benefits nor deprecate their good standing out of unsubstantiated reasoning.

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 2017-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
this i a complaint about a late payment charge which i have tried to have corrected by statebridge company LLC which we have contacted by phone several times and explained the issue.  On  XX/XX/XXXX    we received a late charge for our mortgage. The point is that back in  XX/XX/XXXX  when statebridge took over this mortgage they told us not to pay until XX/XX/XXXX . so to keep ahead i sent in 1st payment in  XX/XX/XXXX and have paid every payment one month early and am continuing to do so. I went to my bank and got copies of every check front and back as proof of every check they have received and cashed and when it cleared my bank. we faxed these copies 3 different times to 3 different representatives and they still wo n't take the late fees off. They told me they were missing a payment the check was dated for  XX/XX/XXXX  and that they had not received it. so we went to the bank and put a stop payment that cost us  XXXX  and reissued a new check for XX/XX/XXXX . a few days later we received a certified letter notice which was the check they said the never got and it is stamped right on the front that they received it on  XX/XX/XXXX  so they had it all the time. they stated that it was post dated and they could n't cash it but they had been cashing them all along. now they say they sent us a notice of escrow mortgage increase of   XXXX   after i had sent in 2 months payments as usual they say i owe  XXXX  on each month and after i did the math on this they are adding a late charge in to this amount. they admitted the last time we talked on the phone that they had made a mistake and posted one of our payments to all principle and they would not take the late fee off even though it was their mistake. we have also sent the difference for the escrow amount in to them already. I also have paid for  XXXX . and  XXXX  payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my name.

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 non-monetary relief
Consumer complaint received 2017-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate.
If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.
If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate.
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above.
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Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions.
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Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.

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