vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 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: FL

Complaint narrative:
My name is XXXX XXXX I am aXX/XX/XXXX XX/XX/XXXXmostly patients XXXX and above in XX/XX/XXXX XXXX FL XXXX I finished my training programs in XXXX and wanted to serve my community better so I got a job with a non profit with XX/XX/XXXX. 

In XX/XX/XXXX I started working as a XX/XX/XXXX with XXXX XXXX XXXX of XXXX. Tax ID/EIN- XXXX My wife wanted our kids to be closer to their grandparents- so we moved to Florida. I stopped working at XX/XX/XXXXin XX/XX/XXXX - So I worked for this non profit employer about 3 years and 9 months. 

I started working for XXXX XXXX XXXX XXXX XXXX XXXX on XXXX I am currently employed by XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXXXXXX their Tax ID/EIN- XXXX. 

I have been paying off my student loans since XXXX. I consolidated my federally subsidized and unsubsidized student loans around this time with SallieMae. These loans were converted to Navient loans automatically in XXXX. I have since been making student loan payments with Navient. 

I have been working at non-profit clinic for about 11 years now. Someone mentioned this Public Service Loan Forgiveness program. This week I went on the StudentAid.gov website to learn more. The two non profit companies I have worked for since XXXX are " Eligible '' but the website is telling me I have to have to have 10 years of " Direct Loan '' payments to qualify and not FFEL loans-Family Federal Education Loans ( the Navient loans I have been making payments on are FFEL loans ). 

Many other applicants have had this problem and complain the PSLF program is a poorly run Federal Program-as documented in these articles. 

https : XXXX https : XXXX? XXXX https : XXXX The current system is hostile to the student loan borrower and does nothing to promote working for non profit programs. Here are my complaints : -Many employees of qualifying Non-Profit companies ( possibly over half of employees ) with college degrees have federal student loans. Most non profit companies do not tell their employees about the PSLF program. 
-For many paying off Federal student loans the PSLF program remains a secret program. 
-In XXXX when I started making loan payments- Sallie Mae before Navient did not explain the PSLF program. 
-My loans were automatically transferred from Sallie Mae to Navient- Navient did not explain the PSLF program. 
-The Department of Education never contacted me- as a non profit employee making loan payments- about the PSLF program. 

if you want to reach me that would be great- my email is- XXXX and my phone number is XXXX thanks. I have faith that the US Department of Education really cares about people like me who have devoted their lives to public service. I'm surprised XXXX XXXX hasn't fixed these problem yet- President Trump says she's really smart. He knows all the best people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a regular transaction on XX/XX/XXXX at XXXX to send money to my family. I just checked my account activity last night and see that I was charged a cash advance fee ( and I am assuming interest when the statement gets generated ). I reached out to XXXX  since I didn't see any notification or message that I may get charged cash advance fee. They shared this link with me - https : XXXX and asked me to reach out to my credit card company. It looks like XXXX somehow coded my transaction to benefit themselves and posted it as cash advance. The customer support was not at all helpful and denied reversing the fee/interest. I just got this card and was not expecting this kind of experience where the company is outright cheating and deceiving customers. I would like them to reverse any fees/interest for this transaction. I have already paid the balance due on my account.

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 2021-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1. Before Navient took over the loan in XXXX, a {$15000.00} payment was made on the loan, which brought it down to about the same amount. ( Original total was {$30000.00} ; the loans were paid {$15000.00} and consolidated. See attached screenshot from Navient site ) After that I made payments, over many years. Throughout that time I attempted to lower my payments so that I could make them, but was consistently talked into a forbearance, which has only increased the amount of a loan significantly. 
2. In XXXX, I made a payment of {$8000.00} to my loan total which was about {$15000.00}. Today when I look at the total on the Navient site, it has gone back up to {$17000.00}. I was never informed that interest was going to accrue over the subsequent 3 three years or that the payment wasn't going to cut the balance in half. 
3. See attached screenshot. Just in the past month my balance has increased by {$100.00}. For what reason? 
4. I am a XX/XX/XXXX, I've never brought home more than XXXX a year. I XX/XX/XXXX in a private school, so I am not eligible for any kind of loan forgiveness. However, approximately XXXX of the original XXXX has been paid since the loans were dispersed in XXXX and in XXXX, but now I am being taken advantage of by a for-profit institution that incentivizes students going into forbearances. At this rate, they will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Klarna AB
State: MN

Complaint narrative:
I have applied twice for Klarna since XXXX and XXXX but have been denied pre qualification according to them I have less than 12 months of revolving bank cards which is false. 
I have 1 year 2 months on one card, 3 months on another and a month on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have already filed a complaint for this : XXXX, but nothing was done. 
This would be my second attempt since nothing was solved with my first attempt - i just got a computer generated response that did not address my needs. 
No matter how many times I fax or mail Experian the documents needed to unfreeze my credit report they still do not do it. I have not been able to refinance or open a credit card for this reason since XXXX of 2020. I assure you I follow their instructions and send in all the required paperwork and still my credit is frozen. Given that I have been trying for several months now, I want Experian to call me and help me fix this.

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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
XXXX has been affected by XXXX. I have been hospitalized several times the past 4 years. I'm XXXX percent XXXX and in a XX/XX/XXXX. Contacted my mortgage company a lot of times for the last 2 years asking for assistance with my mortgage. Summitted paper work to Select Port Folio requested for the mortgage assistance. I have a property foreclosure sale date for XXXX under the federal Hero Act they are not suppose to foreclose on property until after the XXXX XXXX. I have faxed my modification request recently with financials to Select Port Folio request the property foreclosure sale be postponed and process the modification request. I want the debt validated the amount they say I owe on my home I feel is wrong..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have a credit collection fromXX/XX/XXXX of the amount of {$310.00} it was reported from a collection company called sequium there phone number is XXXX they never answer the phone same as att Ive been on the line for more than hour to get details on this charge that has never came to my attention or been contacted about I cant get it resolved the last account I had with them has been paid in full and closed with all equipment returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: OH

Complaint narrative:
Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies.The following accounts are listed below : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I closed on my house XXXX XX/XX/2020. I have not received my escrow check in the amount of XXXX dollars. I was told that two checks was mailed out to me, however I have not received any of the checks but I have received correspondence from freedom mortgage. I have received mail at my address from this company several times yet every time a check is mailed it never gets to me. I have spoken with nine different employees to include three managers supervisors at this company.It has been 75 days and I have not received my escrow refund from selling my house.

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 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC
State: NC

Complaint narrative:
Sprout Mortgage delayed our Clear to Close ( 3 ) times. They took us through a rigorous unfair process, where we had to provide over 100 conditions to satisfy their requirements. All 100 conditions were met, and on the final day of the third extension, we received our Clear to Close only to find out the contract between the Buyer and Seller had expired one hour early voiding the contract. All Earnest Money and Due Diligence were lost totalling {$18000.00}. I felt we were definitely discriminated against in acquiring this loan prior to the 3rd contract extension.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Scam checks were deposited into my account and the man who sent them to me threatened me to send them back through XXXX XXXX and then those checks bounced back so now Im left with a overwhelmingly huge negative balance in my account which I can not afford to lose. I tried calling my bank they said they annoy recover the money and I tried calling XXXX XXXX  support they also can not recover the money. Both of them said to make a police report and the police also said theres not much they can do.

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 2021-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is trying to collect XXXX dollars on a progressive account. I send them a email to validate the collection never received respond Back. File a dispute with XXXX they Get back to them verify but XXXX won't show me how it was verify so iam filing complain with the FCRA. Just want se to the proof Caine & weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account # XXXX Account date XX/XX/2017 Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I was shocked to see your name on my credit report. I have never heard of RENT RECOVERY SOLUTIONS, LLC., You have never sent me any correspondence regarding this matter. I did a little research and saw you claim I owe a place called XXXX XXXX. I have never lived there. I did go there about 5 year ago looked at an apartment I didn't like it, I told them as much, and I lift never to return. I am Demanding Notice of assignment and Verification of the debt. I also intend to file a complaint against the Apartment Complex with the FTC unless this is off my 3 credit reports, as if it were never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Closed Account and Capitol One refused to send me the cash back I had accumulated. 

They said that when I closed my account they read me a disclosure that I voluntarily refused the cash back which is ridiculous. Who would voluntarily refuse money. 

The closed account info is : Name : XXXX XXXX Acct # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: The CMI Group, Inc.
State: FL

Complaint narrative:
In XXXX we switched wireless providers. For several years we had used XXXX XXXX but had become unhappy with their service. We switched our account to XXXX XXXX XXXX XXXX. The new provider came to our house and switched our service. I attempted to notify XXXX XXXX of the change but was unsuccessful. During that period of time we were at the height of the COVID crisis. XXXX XXXX XXXX had shut down their local office which handled wireless service. It was impossible to talk to the local agent. Attempts to call the company were unsuccessful because of COVID crisis. Perpetual telephone holds were standard procedure. I took the XXXX router to the local XXXX office and they returned it to the company. My last payment to XXXX was on XX/XX/20 for {$60.00}. My first payment to XXXX XXXX XXXX for wireless service was on XX/XX/20. XXXX has continued to perpetuate the fraud that they are providing service to my home and are due payment. After a period of time they sent their fraudulent claim to a collection service which has put a notification on my credit reports. They even sent a collection agent to my house. I want this nonsense to stop. This is nothing but a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I initiated a XXXX $ XXXX  transfer ( via ally bank ) to XXXX XXXX ( XXXX XXXX  ). 

By XX/XX/XXXX Ally Bank XXXX XXXX XXXX  had the {$300.00} transfer. I contacted ally bank and my recipient of the transfer contacted her bank. Her bank which is XXXX XXXX stated that the transfer was rejected on XX/XX/XXXX. 

Ally bank which is my bank gave me nothing but a run around. Ally stated that they had no liability for the transfer because on Ally Banks side, the transfer was complete. 

On XX/XX/XXXX XXXX XXXX  told XXXX that because the funds were rejected Ally bank should know exactly where the funds are. I again called Ally bank on XX/XX/XXXX and they stated that they had no idea where my money is. At that point, I stated that I would give them 24 hours to produce an answer and if they did not produce an answer than I would send this information to the proper authorities as a complaint. 

It is now XX/XX/XXXX and I do not have an answer as to where my {$300.00} is.

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 2021-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I sent a MoneyGram of XXXX $ USD to a person on Sunday, XX/XX/2021. After my receiver had difficulties retrieving the money ... On Wednesday, XX/XX/2021 I went to the location where I purchased the MoneyGram, which was XXXX, to cancel the transaction and get a refund. The XXXX  manager informed me the system was not allowing them to refund me due to a verification issue popping up and they advised me to call MoneyGram directly. I called MoneyGram directly and was told there was a verification issue and my transaction funds could not be released nor refunded until they spoke with my receiver directly. After me providing the MoneyGram operator with my receiver 's phone number ( which they asked for ) so they could reach out to resolve the issue, they failed to reach out. My receiver also made attempts to call MoneyGram directly themselves and nothing was still resolved. And my receiver also went in person to his MoneyGram pickup location in person, and no one was able to help him there either. After 3 days of numerous phone calls ( that I have an entire log of ) to MoneyGram and talking to dozens of different people all telling me different things, it is now Saturday, XX/XX/2021 and my issue still has not been resolved and I have yet to been able to go receive my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: IN

Complaint narrative:
Experian and the banks that report credit line information are complicit with their fraudster clients. They wasted lots of my time over several phone calls to provide false and conflicting 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 2021-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Nothing Happened Thats the problem. This is an extension of the other two complaint that are pending. On XX/XX/2020 I received a phone call from a XXXX At BK of Am Phone # XXXX XXXX, Calf. She told me that they received all my documents XX/XX/XXXX will call be back with in 24 hrs.After making 11 phone calls to her I am still waiting for a return call.Bk of Am solgan WE HERE TO HELP IS NOTHING MORE THAN A BIG LIE. They are only here to help themselves, The people you are suppose to speak to never call you back even before Covd-19. I feel at this time the government should fine the back, and because of there negligent should wave the interest I owe them

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 2021-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION
State: HI

Complaint narrative:
XX/XX/XXXX Sallie Mae Bank : 1. I requested written responses to be sent to my address on file and via the bank secure mail to unresolved issues for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
2. XX/XX/XXXX, via phone I spoke with " XXXX '' " Office of the Consumer Advocate '' for immediate payment of any check written.

3. Sallie Mae declined check # XXXX and # XXXX with available funds. 
4. Inability to add/utilize the external account transfer and limited account applications?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation