vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 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: Social Finance, Inc.
State: OH

Complaint narrative:
I refinanced my student loans wit h SoFi. I ha d multiple federal and private loans, so  the ultimate goal wa s to consolidate all of them and save money, of course. SoFi puts out a lot of advertisement on how they can save people so much money with their student loans, and that is why I chose them. They only go up to a 20 year plan, and my loan is over  XXXX . Currently, my payments are around {$750.00} a month. I am  only one yea r out of graduating college and have a good job and have even been promoted twice, but I still am struggling mightily with these loans. You would be hard pressed to find someone 1 year out of college that would not be struggling to cover {$750.00} a month just for student loans. The student loan payment is more than my car payment plus rent combined. I have called them multiple times to ask what they can do to help me lower my payments because I am currently not saving any money, which was the whole point of doing this. Almost every other company can offer things like income-based payments or a longer term deal. Either way, I need a better payment structure ; every time I call them to ask what they can do to help they always tell me that there is nothing they can do. The y give one o ption which is to switch to a fixed rate. Well, that makes no sense because the current fixed rate is around 8 %. My current variable rate is around 5.5 %. Being on a variable rate can be very dangerous, especially for someone in my situation, but it is the only way I can possibly make any of these payments. The only other thing they mention besides switching to a fixed rate is to call  XXXX , who is actually servicing the loan. If I call  XXXX , they tell me to call SoFi. They just send you back and forth, and that is not a good look. I always ask them if they can push my term out t o 25 or   30 years, because that will definitely lower my payments. It would also be a GREAT business decision on their part, because they can make even more money off of interest from me over a 30 year span. To me, I understand that I a spending more money on interest, but that gives me more money to invest now, and also will allow me to breathe with lower payments. However, they always say that there is nothing they can do to help me. Plain and simple, I need a better payment structure. They are making money off of me no matter what, so there should not be any problem with switching up the payment structure. My current plan has a balance of around  XXXX  and has a projection of me spending a total of  XXXX  including interest over the life of the loan. That shows that they are going to be making a lot of money off of me. Surely they can do something to help me out given that I am helping them make so much money. Right now, they are doing nothing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On  XXXX / XXXX /  XXXX   around  XXXX  i went to the Chase in branch ATM to withdraw {$2500.00} from my checking account to purchase my daughter 's first vehicle. I selected the money to be dispensed as {$1800.00} is {$100.00} bills and the rest in {$20.00} 's, {$10.00} 's & {$5.00} 's. The ATM dispenser opened with a large stack of money. I grabbed half of the bills and when I reached to get the other half the dispenser closed. I received a receipt stating " We could n't dispense your cash. There were technical difficulties, and your transaction was not completed successfully. '' I spoke with a Chase branch staff who advised all ATM 's are separate entities from the branch and unneeded to file a claim with Customer Service. I have filed and appeal the claim twice. Chase claim they have proof the ATM I used is not over {$700.00} in cash and they can not refund me the money. At the time of the initial claim I received a temporary {$700.00} credit while the claim was processed. The claim was denied as invalid and the {$700.00} credit has been reversed from my account which caused  two additional {$34.00} NSF fees in my account as the account went on negative balance for the credit reversal. I insisted and persisted on the phone with Chase  and the refuse to escalate the matter to review or investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with CapitalOne for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  CapitalOne 's web site immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication  from CapitalOne sayin g as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monito ring my credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for th e CapitalOne  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.   
I have been a customer for many years, I do not carry a large balance, maybe 10-20 , which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days l  ater was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
In the  Magistrate Court of   XXXX   County I entere d into a Settlement agreement which I would pay  one month  rent of {$1500.00} and forfeit my security deposit. A judgment was never entered against me. The check was cashed and appears paid and I have a copy of the canceled check. It was deposited on   XXXX   XXXX   XXXX  . Check numbe r 147, t he agreement was it was to be paid by   XXXX   XXXX   XXXX   which it was and hand delivered to the Plaintiff, dated for the sixth. He was to report to the court that it had been paid and the case would be dismissed, however, the plaintiff never reported this to the court, I found it during a review of my credit file. I have sent several letters and motions to the court to correct this error with no response or help other than they did not report it. My first letter was sent   XXXX   XXXX   XXXX  . My case number was  14-C-1886.  On the same date I filed a motion to enforce settlement, since this should have never been entered as a judgment since I paid pursuant to a settlement agreement. The court instead had the plaintiff enter a release of judgment on   XXXX   XXXX   XXXX  . This was not agreed upon. There should have never been a judgment entered or release as we reached a valid settlement agreement on   XXXX   XXXX   XXXX   for me to pay by   XXXX   XXXX   XXXX   and the case would be dismissed. This release did nothing to remove this inaccurate information from credit report. Again I sent a letter on   XXXX   XXXX   XXXX   requesting that the judgment be vacated and removed from my credit report and in the mean time to report to the agency that is was paid. I disputed the same with  XXXX  and eventually they removed it. Now it is appearing on my Equifax report that I filed a dispute with today. I have applied for a mortgage and have been approved I am in the process of purchasing a home if this fraudulent reporting and lack of the Court reporting the accurate information and removing this error of judgment on my record results in my denial of the mortgage which is set to close on   XXXX   XXXX   XXXX   I will file a lawsuit for the entire amount of the home value. This is ridiculous that I have repeatedly attempted to correct an error on the Courts behalf and they ignore me. I have all documentation of my attempts to get t his Court to re move the judgment. It is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: MA

Complaint narrative:
On    XXXX   XXXX   XXXX   I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with  XXXX  for years and have always paid my bill, and they had not received a bill since   XXXX   XXXX   I logged into   XXXX   XXXX   website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on   XXXX   XXXX  , but have no communication from   XXXX   saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  XXXX  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the   XXXX     account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report,  XXXX  days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

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 2017-05-12 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: MA

Complaint narrative:
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this. Two days later I was notified by my credit monitoring my credit score dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: MA

Complaint narrative:
On  XXXX   XXXX , I received an email stating my account was unpaid. I checked my banks website, which I had ebill setup on with   XXXX   for years and have always paid my bill, and they had not received a bill since  XXXX   XXXX . I logged into  XXXX  's website immediately and paid the bill in full, I proceeded to check my email for any indication my account was over due before I was notified on  XXXX   XXXX , but have no communication from  XXXX  saying as much. In addition, I have received no notification that they were going to stop the use of ebills from them via email, mail or telephone. Upon payment in full of the account, the website said it will not be reported to the credit agencies that my account was " overdue ''. I contacted a young lady in customer support shortly there after and she confirmed they are no longer accepting ebills, does not know specifically when they stopped accepting them, and that my credit report would not be affected by this because I was not communicated with about the change in service. She even removed the late payment fee 's due to this.  Two  days later I was notified by my credit monitoring my  credit score  dropped  XXXX  points, and upon review of my credit report even though it shows as everything paid as on time for the  XXXX  account, they are reporting it as 60 days late. This contradicts both what the online payment website said, and what the customer service representative had told me. I contacted them again and got a different person, who after almost a hour and a half told me yes as a consumer he would feel frustrated as well but there was nothing he could do and I would have to contact someone higher than him or mail in a letter, not providing any information on who was higher than him, only an address and fax to send a letter to.     I have been a customer for many years, I do not carry a large balance, maybe  XXXX   XXXX  which is paid monthly. While the first representative was willing to help and make promises that confirmed what their website said about the credit report, two days later was the first time anything appeared on my report regarding them and the next representative was unable to help at all.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In   XXXX   XXXX   due to non-paying tenants,  XXXX   XXXX  was unable to keep up with the mortgage payments. Mr.  XXXX  reached out to  Chase  and they offered him an in-house modification which he did not receive in time to accept and the modification was rescinded. Mr.  XXXX  re-applied for a modification but was denied. He then hired a law firm to assist him to obtain a modification and for foreclosure defense.  Chase  dragged the review for a modification for over a year and on   XXXX   XXXX   XXXX   an updated complete package was re-faxed for review as all the previously submitted documents had expired. On   XXXX   XXXX   XXXX   another complete modification package was submitted to Chase because all the documents had again expired without a decision. Between  XXXX  to   XXXX   XXXX  , additional documents requested by Chase were forwarded, mainly bank statements and Profit and Loss Statements as  Chase  was not reviewing the documents in time to submit to their underwriter. After requesting all possible documents in regard to the other homes Mr.  XXXX  owns, a decision was given on   XXXX   XXXX   XXXX   because they mistakenly understood that the property was not generating income. An appeal was submitted on   XXXX   XXXX   XXXX   wherein a supervisor listened to the phone conversation and realized that Chase misunderstood. A denial for a modification was sent on   XXXX   XXXX   XXXX   due to the fact that Mr.  XXXX  was generating {$800.00} income from the property. When asked about the cost of insurance, heat and water, Chase informed the law office that those expenses are considered only if a modification is approved which sets the borrowers for failure. When the law office spoke to  XXXX   XXXX , an Executive Office  Specialist  at Chase, they were never informed that a foreclosure sale date had been set for    XXXX   XXXX   XXXX   .   Chase took two years for the first denial and then another two years for the second denial. Multiple times the law office had to request the assistance of an  Executive Office Specialis  t t o move the review forward as the documents they were requesting went above and beyond the norm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
My mother co-signed a NJ Class student loan for my daughter who continued to get an  XXXX  when job security was high. Upon graduation the market was terrible. There is no talking  w  NJ class, no flexible arrangements. We tried to keep up but finally we received court papers, to a  XXXX  yr old and poorly paid young person struggling to work many hours a day. Court papers were from  XXXX   XXXX  whose name is all over internet. Ca n't even follow federal rules of debt collection.   Long story short, mom passed in  XXXX  and they have not acknowledged what I sent or faxed. On top of it I asked for update, as it was my mother. They sent it to my daughter and have tagged  XXXX  in fees. Sneaky group, picking on the poor and extortionists. What can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation