vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.

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 2017-09-21 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: IL

Complaint narrative:
{$39000.00} in consolidated loans effective XXXX. Fixed rate 7.625 %. Repayment started XXXX XXXX at approximately {$250.00} per month, will end in XXXX @ {$880.00} per month. Majority of all payments through first 6 years were applied to interest only. Application of payments to principal & interest inconsistent for entire repayment period. Total payments to date exceed {$64000.00}. {$44000.00} has been applied to interest, {$20000.00} applied to principal. Remaining principal balance is XXXX {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information

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 2017-09-21 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: TN

Complaint narrative:
this is about the  Equifax  security breach.  I followed their  online instructions to sign up for the  credit monitoring and  received the email below promising a link within a few days to confirm.    This is now  six days later and there has been no further email from  Equifax.  Their  email did not end up in my spam,  which i check regularly.      I will attempt to re-register with the  Equifax  website about this;  my understanding is that attempting to call them results in prolonged times on hold,  so i likely won't  attempt that right now.   Given that their offered credit monitoring only lasts for one year,  and that my confidential info now is likely gone for sale for my lifetime,  i'm not certain how much good all this will do anyway.

Equifax security breach: have to get this email with link, might take several days 
Inbox
XXXX XXXX XXXX 
XX/XX/XXXX (6 days ago)

to me 
We have successfully received and are processing your information.

Next Step

You will receive an email with a link to finalize your enrollment and activate your product. Please be patient. Due to the high volume of requests, emails may be delayed. If you have not received your email within a few days, please check your spam and junk folders.

Thank you again; we appreciate your patience!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Complaint Number XXXX This is an addendum to my above-referenced complaint regarding the practices of Wells Fargo Home Mortgage to AVOID helping struggling homeowners with their mortgage. 
It is with great dismay that after sending all those justifications/and or substantiations proving that we never missed payments, Wells Fargo through the same Representative, XXXX XXXX XXXX, XXXX, again ( for the second time this year ) subjected us to apply for ( another ) Loan Modification. 
Please be reminded that they already approved a HAMP Loan Modification Trial Payment on XXXX XXXX, 2017 but due to some technicalities which is beyond our control they RESCINDED their approval on XXXX XXXX, 2017 the 4th month of our Trial Payment - and subsequently on XXXX XXXX, 2017, they referred our case for collections. 

What Wells Fargo have done to us is very humiliating and unethical, when the Federal Government and the State have been trying to help struggling homeowners to get back on their feet yet " big Banks '' like the one we are dealing with is trying to manipulate us into believing that we are delinquent in such manner that all decisions are theirs to initiate and in their favor, thus leaving us, Homeowners, in their mercy. 

WHERE IS JUSTICE AND WHERE IS THE GOVERNMENT??? OR MAYBE BECAUSE WE ARE THE MINORITY WHEREIN OUR CONSTITUTONAL RIGHTS HAVE BEEN ABUSED BY THESE BIG BANKS???? WHOEVEVER UPON THE REACH OF THIS PLEA. 

HELP US!!!

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.

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 2017-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
My husband and I were XXXX from bankruptcy in XXXX XXXX. We were instructed by our attorney to begin paying our mortgage with our XXXX XXXX payment in which we did. Prior to this it was paid by the trustees office. In XXXX XXXX we tried to apply for a new air conditioning unit for our home and we were denied. I then pulled our credit report and that 's when I saw that it was being reported late for the month of XXXX or XXXX. That is when I called Bank of America to question this reporting and they told me I need to pay more money to catch up my payment. I asked them how was that possible when I just began paying and everything has been payed as agreed by the trustees office. I requested a payment history from them in which I could not follow because of how they entered things into the system. I had been calling them for months to no avail when we received a letter telling us that our mortgage servicer was changing to another company. We were upset about that due to the fact that we had been trying to fix this problem and it has n't been fixed. I have since disputed the late on my credit report and it was removed but now my new company has reported us late and we have not missed a payment since we started paying in XXXX XXXX. I recently disputed this with Bank of America with a letter to thier dispute department. They have refused to correct this error stating that it is not their error but ours. The response that was mailed back to us stated that they refunded us the money because it was placed in escrow. I have combed through my paperwork and nowhere does it show anything different was applied to escrow other than what was supposed to be applied. Also they stated that we missed our XXXX payment and we did not. They did not receive the XXXX payment because the letter that we received informing us of the transfer informed us not to pay them after the XXXX of XXXX. Since I had not received my paycheck yet, I had to wait until after the XXXX to pay my mortgage. I have even tried to correct this with the new company and they refuse to because it was sent to them with a late status. I have attached all the documents that I believe you will need. We have tried everything and to have your credit be torn down by something that we ca n't control is mind boggling. We have been trying to rebuild our credit and this is n't helping. 

Please do not hesitate to contact me if you need more information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to the finance company on base and they told me I would have to pay the full amount right then or risk having my company commander finding all about this problem. They stated it was protocole to report to my Co. and let them know about my delinquency. They started to make calls to my HQ and informed my Co. about the balance on my dept, and it was now a default status and there was nothing I could do about it. I would have to pay the full balance today, or they would have no choice but to notify my Co about this, they would restrict my account to me, they would also need the vehicle returned to them right away and I would not be able to get it back. I would have very bad credit as a result of this problem, and it would take years to repair it. They wanted the money right away. I just did n't have the money amount they were requesting, almost {$6800.00}. They came to get the car picked up, and told me to start looking at my credit report, as the negative information should be showing up pretty soon. I was so very embarrassed they contacted my company commander, and those around me on base regarding my credit issues. I felt as if I could do nothing at all, helpless to help my situation at that point. As a result of this problem, I could not get further credit anywhere, and my credit rating actually went down because of this also. We would like the additional money to deal with this problem, and to address the loss interest we would have incurred as a result of my partial payment made that I lost due to it not being returned. I have paid credit agencies money to try to clean up my credit rating, but it still shows negative from the Navy Credit union, it seems like my money is not doing anything so far, just wasting away. I am asking for help to help restore my credit rating as a result of my NCU account showing negative. I just want it back to where it was prior to this loan. Nothing more. I will now have to have a credit monitoring system in place, as the government seems ca n't do it either. I just want the right thing done here. Thank you. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America credit card. Somehow I was under the impression my card due date is on the 20th of each month. At least that 's what they told me when they opened the card. 

Everything started on XXXX/XXXX/XXXX. I am checking my account balances every day, and 1st time in the history of being BofA customer saw the Reminder that my account is overdue ( attached ). 

I had some accumulated cash rewards and decided to transfer them towards the statement credit on XXXX/XXXX/XXXX. After noticing {$38.00} late charge, I contacted BofA to find out why they charge me a late fee. Customer service associate told me that I was making my payments late every month. I got a surprise and told her that I was under the impression that my payment was due on the 20th of each month and all my payments were paid between 16 to 19 of the month. I did n't pay attention to the billing statement because I never received any notifications whatsoever ( mobile app, email, text, etc. ) I asked to speak to the supervisor and was under the impression that he will able to wave the late fee. The person name was XXXX from XXXX ( ID XXXX ). He was very rude and disrespectful and did n't ever let me speak and explain him and made fill like I commit a crime. He did not even bother to conduct researches and said that the best he can do is to change the due date. When I told him that my due date was on the 20th and someone probably made a mistake, he just replied that it was a long time ago and there is no way to verify. 

After I hang up the phone, immediately conducted online research, and find out that I am not the only victim of Bank of America late charge scam.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I attempted to place a Credit Freeze with TransUnion this evening. I followed the process and supplied all of my personal and private information including my credit card information for the {$10.00} fee and was charged for absolutely NO SERVICE by TransUnion. 

Should n't XXXX be paying this fee as they are responsible for the breach and should n't this service be XXXX as half of the tax-paying citizens private credit files of the XXXX were breached? I also thought this service was free to victims of identity theft? 

After submitting all of my information, and after being charged {$10.00}, I was informed that my request could not be processed and that I would need to call in " during business hours ''. Should my {$10.00} have been refunded immediately if said service could not be provided? Should I pay at all due to my credit file being exposed? 

This breach is an insult to the hard working citizens of the XXXX and a profit center for the other XXXX credit reporting companies. There should be absolutely no charge to place a freeze of all three credit files instantaneously due to this breach with XXXX picking up the entire tab ( namely their XXXX executives who excersized sizable stock options knowingly XXXX. 

My hope is that the XXXX takes a strong punitive stance on this issue.

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 2017-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 2017-09-21 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: ID

Complaint narrative:
I have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I have submitted multiply request asking them to remove XXXX XXXX  they have 6 accounts that do n't. Belong to me Please help remove this incorrect information

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a checking account at the citibank and they offered me credit cards applied when I add my sister on my credit card Visa Signature and she wanted to use it on the first purchase {$1800.00} dollars in the XXXX store the card was blocked she called to the bank I spoke with an operator and then this proceeded to call me asked my data and told me that there was no problem that could use it. My sister proceeded to pay and the cashier on XXXX store told her that the credit card was a fraud order. I went to the store while I was driving the car. I talked to the card operators many times and believed that I listened to the music for a long time and how they cut the connection. It was 8 calls that were missing 20 minutes for the store to close and I had to use my other XXXX credit card which if it worked without any problem. My CITIBANK VISA SIGNATURE credit card was also blocked. I proceeded to pay online and then to cancel. Really It was horror time.

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 2017-09-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Do n't have any dates or amaounts. Learned about this weeks ago on the news of the credit bureau hack! I was a victim but not sure if any of my personal info was taken. Keep tracking my credit report and if there are any changes like withdrawals. what I did is freezed my credit account and statements as Equifax insisted but this happened months ago and the public did n't know to recently.

Company response to consumer: Closed with explanation