vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-02 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: CT

Complaint narrative:
I currently have 4 separate student loans that I have been paying on for years with XXXX, navient, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, wells fargo and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, wells fargo increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter 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 2018-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CT

Complaint narrative:
I currently have 4 separate student loans that I have been paying on for years with XXXX, XXXX, XXXX XXXX and american education services, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with XXXX and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with american education services just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with navient of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, XXXX said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
They never billed my insurance. They never even sent me a bill. Now they are trying to list as a collection and damage my credit. XXXX Stanislaus credit cntrl.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was told I qualified for a {$50.00} credit on my purchase if I applied for a Lowe 's credit card and was accepted, so I applied. I was denied and told, in public, in front of my daughter that I was denied. I asked if I would receive a letter. I was told " yes ''. I paid for my purchase and immediately checked my credit score because I feared fraud. My credit score was XXXX. 

One week later, I called Lowe 's to find out why I had not received an explanation ; they told me I had not been denied and that all applications were routinely placed on hold. I asked for a supervisor and I was then transferred to XXXX XXXX  ( XXXX ). I asked for a supervisor again and was placed on hold again ; after waiting 5 minutes I was asked if I minded continuing to hold ; I replied " no '' I did not mind. They then hung up. 

I called back and opened a Lowe 's Incident # XXXX ; I was then transferred to XXXX XXXX again. 

I asked XXXX XXXX for a reasonable explanation for why my application was " denied '' originally and received none. XXXX said my application was incomplete but did not require any additional information when he approved it, so that was a lie. He also said I will receive a {$50.00} credit on my 1st purchase. 

I found this entire process misleading and embarrassing in the extreme. I was on the phone over 40 minutes resolving it.

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 2018-09-02 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: PA

Complaint narrative:
I took out parent Plus loans for my children. A total of XXXX With the first disbursement of XXXX XX/XX/XXXX and the last disbursement of XXXX on XX/XX/XXXX. I have made repeated attempts over the last several years at getting an income driven payment plan but each and every time I speak to the loan servicing company they tell me one thing then the next thing I know they are capitalizing interest to the tune of XXXX over the last three years. I did not agree to this, I did not ask for a forbearance or deferment. I am only willing to payback the principal I took out of XXXX. I will not pay any more. I have a feeling these loan servicing agents are getting compensated by causing my loan balance to increase instead of helping me make an affordable payment plan to reduce my principal. I know the Department of Justice is aware of Navients unscrupulous practices and I refuse to be another one of their victims! I am more than willing to refinance the original loan principal amount with a respectable financial service company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My initial loan with Navient which at the time was Sallie Mae began XX/XX/XXXX. The loan was for {$6300.00}. I did not begin the process of payment until XX/XX/XXXX. My payment was {$64.00} per month. Now as of XX/XX/XXXX my payoff is {$8200.00}. My payment is {$110.00} per month. My interest now stands at 11.625 %. In XX/XX/XXXX my payment was {$110.00} and continues to increase every 3 to 4 months. There were some deferments but I have made on time payments every month since XX/XX/XXXX. I spoke to a Navient person directly and she told me that approximately {$33.00} per month is coming off my balance and the rest is going for interest. I reviewed my records and the tax form that Navient provided on interest paid for XX/XX/XXXX is {$1300.00}. My payment records show that I only paid Navient {$1300.00} for the year of XX/XX/XXXX. I also tried to remove a cosigner from the loan. It states on their website that you have to make 12 on time payments to allow a cosigner to be removed. I was told that I was very delinquent on my account and could not remove the cosigner but my cosigner was never contacted about my delinquency. As I stated earlier I have not missed a payment since XX/XX/XXXX. I am now XXXX and no longer able to work and this loan places a financial strain on my family. What makes the situation worse is that none of my payments are bringing down the balance of the loan. In fact the balance is almost {$2000.00} more than when I began repayment. Thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This is another complaint regarding Capital One. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at Capital one & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at Capital One, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with XXXX XXXX now known as XXXX XXXX XXXX  and they are no longer handling my account due to the inaccurate information that was provided to them by Capital One due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
This is another complaint regarding XXXX XXXX. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at XXXX XXXX & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at XXXX XXXX, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with Northland group now known as Radius Global Solution and they are no longer handling my account due to the inaccurate information that was provided to them by XXXX XXXX due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
On the date of XX/XX/XXXX at XXXX UTC I made a purchase for XXXX BitcoinCash being trade ID XXXX for {$940.00} USD. On XX/XX/XXXX the Coinbase Pricing Chart had different prices from that of its sister company GDAX Pricing Charts ( please see attached photographs ). Had I not matched the two separate Coinbase and GDAX pricing graphs and photographed this evidence it would not be known. I have made Contact with Coinbase for over 6 months regarding white collar crime activities Coinbase/GDAX have been engaged in. I have filed a complaint with the Consumer Financial Protection Bureau, met with federal agents at the Federal Bureau of Investigation and filed a complaint and communicated with the Securities and Exchange Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Wells Fargo Auto Loan # XXXX I am the Administrator of the Estate. Loan is two years old and current as of date of death. The customer died on XX/XX/18 the XX/XX/XXXX payment was paid on time. 

Contact was made with Wells Fargo on XX/XX/XXXX. I was told hey would not speak with me until they had a death certificate and a Court Order appointing me as Administrator of the estate. 

The case was filed in Probate Court and a hearing scheduled for XXXX. The appointment was made and certified COURT ORDER along with a CERIFIED Death certificate was emailed to Wells Fargo on XXXX. 
Another call was placed on XX/XX/18 I was told they did not received my initial email after a two hour run around between four departments and numerous rude people SCREAMING AT ME, none of these employees would provide any information as to how to pay the loan off and get the lien release to clear the title. 


A second email was sent on XX/XX/18 with above requested documents along with a request for instructions on how to payoff the loan and have Wells Fargo send a lien release. I was sent to a department called " The Customer Assistance Team '' a girl who identified herself as XXXX got rather rude with what I considered a routine request as yelled at me That I would not control the conversation. 


Realizing that conversation was going to go nowhere and being worn out now from about ten hours either on hold or being yelled at and transferred amongst departments I asked to speak to the president of the bank I was then hung up on. 


On the evening of XX/XX/18 I heard a strange noise in my garage. Upon investigating the noise thinking it was a thief I found myself pointing my XXXX XXXX XXXX at a Wells Fargo agent who said he was there to steal the car. He made a very sound decision and left my property.

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 2018-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I need your help for one more time. 

Currently Bank of America is reporting to all Credit Bureau my VISA  and MASTER credit card as account closed with close status DEROGATORY since i had unpaid balance on it. 

Now I have paid in full due amount of {$9600.00} on XXXX-18 to my VISA a/c # XXXX XXXX XXXX XXXX and also settled and paid {$22000.00} on XXXX-18 to  XXXX XXXX XXXX XXXX ( authorized agent of BOA ) for my MASTER card a/c # XXXX XXXX XXXX XXXX. My both account should have XXXX balance now. 

My only request is to report/show close status as CLOSED rather than DEROGATORY. 

I would appreciate your help in this regard ...

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