vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I recently contacted Navient Customer Service on  XXXX   XXXX ,  XXXX  to discuss payment plan options with a customer service agent. I have been paying my  XXXX   XXXX  student loans for 7 years, some of which are serviced by Navient. I have to call once per year to go through a financial statement to assess what my monthly payment will be for the year. In  XXXX  I was provided great assistance by  one  Customer Service agent. She managed to place me in a program for 15 months with an affordable monthly payment and a reduced interest rate. I made the payment every month on time by automatic debit from my checking account with no issues. I had called on  XXXX   XXXX ,  XXXX  to see if I could continue such program, or perhaps get into a different program with similar benefits. I reached a customer service agent who was rude from the outset. It was clear she was not interested in helping me. We started going through my financial statement, and I was candidly answering the questions. When I answered her question as to how much my monthly grocery bill is, she did not like the answer as she believed that it was " too much ''. She asked " is anyone on a special diet ''. In all the years I have been dealing with Navient, I have never been asked the type of personal and inappropriate questions this agent asked of me. She told me she needed to put me on hold so she could research my options. She kept me holding for ove r 20 minutes, then disconnected the call. I called back to reac h the same agent, I was told I was being put through to her. She put me back on hold, and then must have ended the call without even addressing me, because the customer service agent satisfaction recording came on ( which is only played once the call is complete ). On  XXXX   XXXX ,  XXXX , I began receiving email notifications that there were new  Navient Loan Documents available for my review. The customer servi ce agent had clearly been processing unauthorized requests on my behalf without my request or approval because I have documents denying me certain programs ( that I have never applied for ). This customer service agent was clearly trying to harm me and financial state. She asked where I work, which is informatio n Navient has always been privy to. For the first time ever, Navient  is contacting my office without my approval. This kind of behavior, harassment, and unprofessional customer service should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was falsely advertised a charge card as a credit card. At no point was I informed that I could not carry a balance on the card. I was then asked to pay various late fees and other fees because of the balance on the charge card.     This is a case of deceptive marketing fro m American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX   XXXX , credit line is STILL showing on CR even after previous Equifax response says " verified to be deleted by credit  grantor  ''. Please REMOVE invalid credit line ( that was re-added to my credit report w/o notification per FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 2017-05-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Before I went to  XXXX  school,  Navient kept enc ouraging me to put my private student loans on forbearance. My monthly minimum payments has now increased to over {$400.00}  ( four hundred ) d ollars per month. I have tried to make {$100.00} to $ 150 monthly payments, but  Navient co ntinues to send my name to collections for late payments. I have had several conversations with customer service and they are not willing to accommodate my financial situation - my   XXXX   student loans are {$280.00} per month ; my federal student loans are about {$220.00} per month ; my rent is {$1900.00} per month ... I am a   XXXX   XXXX   in Massachusetts and only bring home about {$1300.00} every  two  weeks ( {$47000.00} yearly salary ). I have told  Navient  that I am already struggling to find more affordable housing in  XXXX  and keeping up with my other bills and living expenses. I would not want to end up homeless because  Navient do es not want to accommodate my current financial hardship. I have repeatedl y told Navient that  I can make $ 150 monthly payments towards my loans, b ut Navient cont inues to encourage me to make that payment on one account and place the other loans on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been wrongfully charged some overdraft fees even after depositing a check for {$6400.00} for my overdraft of a  few hundred dolla rs to that point. Even after that they have charged me another {$70.00} after my deposit.. In calling the bank today, the said they would continue doing so until the  XXXX  until funds could be verified. I deposited this check on the  XXXX  and they never have done this before. I  imagine the y will keep racking up these fees until this point until the  XXXX  even though i made this deposit. I understand I should not be able to go in and withdraw the {$6400.00} but in the past, if i deposited a check they allowed it to cover my overdraft.

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 monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: GMA Investments, LLC
State: NV

Complaint narrative:
on  XXXX / XXXX /   2017  i was contacted at  XXXX   XXXX . They also call from a private number as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX / XXXX / 2017  Equifax Could n't get free credit same a before just a scam to get you to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have applied for at least  XXXX  loan modifications since approximately summer of   XXXX    . My request in   XXXX   was denied due to employment income being too high. When I applied in   XXXX  , I was currently on short-term  XXXX  with my employer and was still receiving full compensation. Since I was receiving full pay, I was then denied the modification request.     I was then awarded social security benefits in   XXXX   XXXX     and was then advised that I am totally  XXXX  and unable to return to work. I then reapplied for another loan modification since my financial/employment has changed. I repeatedly received numerous requests f or CitiMortgage requ esting documents and clarification on numerous items. I provided all documents to them as requested. I was just notified yesterday via phone that my request for modification was denied due to income being too high. My representative then told me that it appears that I earn approximately {$2800.00} per month. I then explained that my social security award letter confirms that my monthly benefit is {$2100.00} per month. I explained that I currently receive a monthly insurance long-term  XXXX  payment, but this monthly benefit is an insurance benefit and is not guaranteed. My monthly pay has been reduced by over 50 % since becoming unemployed.

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 2017-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
Consolidation company called. They apparently have 2 names " XXXX XXXX '' and " equitable acceptance '' They said they were consolidating my loans, I had 2 originally. However, after signing with them I have 3. This is quite confusing to me. They are emailing and calling, numbers I did n't even give to them. They are also threatening. I have n't sent any payments and when I found out this was a scam I turned off my card and changed accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
I signed the lease   XXXX   XXXX   XXXX   I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me   XXXX   XXXX   XXXX   said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On   XXXX   XXXX   XXXX  , I send a notice to vacate because the  apt was  not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time  XXXX   XXXX   XXXX  went to sign the lease the property manager was not there.   On   XXXX   XXXX   XXXX  , I get a called from the property  manager  stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this.   Then on   XXXX   XXXX   a collection show up on my credit reports from FAIR COLLECTIONS AND OUT  XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  (  XXXX  )  XXXX  {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until   XXXX   XXXX   XXXX  , which you can see was not true.

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 2017-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 2017-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested my credit reports in the mail. Upon looking at all XXXX, the months of XX/XX/XXXX and XX/XX/XXXX has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonded Business Services, Ltd.
State: CO

Complaint narrative:
I was served from Bonded Business Services,  LTD  in  XXXX   XXXX , the information says I need to file information for a debt I owe.     In  XXXX   XXXX  I bought our house and part of the loan was paying off anything listed on my credit report. Part of those were accounts owed t o Bonded Business Services and I have record from my loan company that they had   been paid.     In  XXXX   XXXX  I received noticed of debt owed to  Bonded Business Services a nd I called them to dispute, I was told then my accounts had been paid so I moved on and thought nothing of it, figured it was only a communication error. I was told on that day the accounts had been paid in  XXXX   XXXX . It has been confirmed with  Bonded Business Services this had taken place and is in the notes.      Since I was served now in  XXXX   XXXX , I was confused and calle d Bonded Business S ervices to once again clear up the confusion. I was called back by a  XXXX   XXXX  who identified herself as an employee o f Bonded Business  Services. In speaking with  XXXX   XXXX  she advised me that they accounts I show as paid were different accounts and I still have a judgement against me for another account. She never verified which accounts were for what, only stated I had paid  XXXX  services.     I think asked when I was notified of this and she mentioned I was notified in  XXXX   XXXX , she stated she saw in the notes that I had called and had been advised " the accounts had been paid '' I told  XXXX   XXXX  that was the only notification I had received and had called to dispute and was advised my accounts were paid, which she said confirmed that other than being served there are no records of other attempts to collect the debt or allow me to dispute further.     This is an error on Bonded Business Services, I am not convinced I owe the debt and I certainly should not be held liable for their error. I was advised my accounts had been paid, even  XXXX   XXXX  verified I had been told that but they will not help me further.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc.
State: TN

Complaint narrative:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company response to consumer: Closed with non-monetary relief