vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
During my sons stay at XXXX College of art and design from XXXX through XXXX, we took out XXXX student loans through XXXX under my son 's name totalling {$68000.00} {$4000.00} on XX/XX/XXXX {$15000.00} on XX/XX/XXXX {$18000.00} on XX/XX/XXXX {$31000.00} on XX/XX/XXXX When my son graduated he continued to pay another loan of XXXX dollars under his name, in the year of XXXX my taxes were deducted because they owed {$85000.00} dollars because, they star to charging interes from the first day that we took the loans on XXXX, the loans when my son graduated, was charger with 4 years interes, I do not know how those loans were left to my name. According to XXXX XXXX I would pay monthly only XXXX dollars for a year to come out of collection and I do one year auto pay, but they never told me that the loan would continue to increase and they transferred my account to NAVIENT now, they charge me {$95000.00} because they say the interest is up to 7.9 % When I was never notified of this XXXX loans in 5 years, I was assuming that the loans in fafsa were free student loans, my son was never informed during all these years because they were confidential in my name, but I'm not thee student they need to know about the loans, very appropriate for the company to continue increasing the interest in an incredible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
This complain is for XXXX XXXX XXXX. It was supposedly for XXXX XXXX for {$300.00}. It was dated a few years back. Fast forward. Im in the middle of processing a mortage loan now. Had to pay the balance to raise my credit score up and remove the negative remarks they put on my acct. Before i paid them, i called to see if they can send over a bill with the amount i owed. They declined to do so in writing and redirect me to XXXX to see the balance. Decided to overnight the money order with the said balance on XX/XX/2019 with signature needed making sure theyll get the payment on time at XXXX on XX/XX/2019. Called the next day after it was signed by a person named XXXX XXXX at XXXX. Spoke to a representative and was told they havent received the payment. I told them it was signed at XXXX so they should have it on record. They said that the payment isnt posted yet and declined my request for them to expedite the process because i need a letter from them saying they received the payment and the balance is now {$0.00}. Spoke to a supervisor and they were no help either. Mind you that ive called them multiple times in the past week and they arent willing to help with anything. The second time i called it was a lady representative that helped me. I was on the phone for 50/more mins. She would put me on hold multiple times and failed to inform me that theyre updating their system and its slowing everything down. Mind you that i have a newborn baby and have other errands to do therefore i dont have an hour to sit around and be on the phone with them! Now my mortage loan was declined due to this mishap!! And i tried to access my acct from their website and it says my accts not accessible thru the web and have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX. 

XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process. 

It is my intention to not have this affect my credit negatively and I want both to close out this account. 

I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies. 

Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date. 

I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
A pair of shoes were purchased from the merchant, " XXXX '' on XX/XX/2018 for the amount of {$720.00} using my American Express " Blue Cash Everyday '' credit card ending in XXXX. The shoes purchased from the merchant were falsely advertised as brand new when, in fact, they were used and extremely worn, defaced and damaged by another customer prior to purchase by me. When purchasing the shoes, the merchant did not allow the " packaging '' to be opened as they stated that the shoes were " brand new '' ( a complete lie ). After paying for the shoes at the store, the item was taken back home when the shoe packaging was opened and unwrapped. What was inside were damaged shoes that were nowhere near brand new. Upon discovering this, multiple ( 4 total ) attempts at returning the shoes back to the original store of purchase were made. In all 4 attempts, the store refused to accept any responsibility for the damaged shoes that were sold to me. Accordingly, as I could not resolve this issue with the store themselves, a dispute case was opened up with American Express to get the money back from this store/merchant. From the beginning, clear evidence was provided to the merchant in the form of photos taken and a written statement showing and describing the condition of the shoes. After a total of 3 dispute cases opened up with XXXX, they refused to assist in this matter any further and took the side of the merchant which essentially scammed me in this purchase. It is disappointing, but least surprising, to see XXXX side with a fraudulent store/merchant when it comes to cases like this. Nevertheless, I would like to have my {$720.00} refunded back to me from this purchase as this merchant knowingly and willingly defrauded me on this purchase by misstating the condition of the item. Not only is this is highly unethical, it is also illegal as the merchant deliberately and knowingly falsely advertised this item and refused to refund my money when caught. Due to the abundance of evidence given to XXXX regarding this illegal conduct by this merchant, a full refund of this charge is warranted and expected. Timestamps are also available on the photographs taken ( showing the horrendous condition of the shoes ) to further prove that these photos are legitimate and valid as they were taken shortly after purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Hi I transferred from Citibank {$100000.00} on the XX/XX/XXXX using a  stored procedure I have used 3-4 times before to send money to my bank in XXXX. The was a minor error in the account number which existed for the previous transfers that I was never advised about before and never delayed the transfer. The error in the account number pointed to a different back in XXXX even though I clearly told Citibank which bank it did go to. I found out from my XXXX bank after he checked the info. I told Citibank every day for 3 weeks but they refused to listen. The funds are still not in my account. This is an incredible disaster causing me ill health, as I can't sleep I want my money and compensation. Can you help?

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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My loan was sold from XXXX XXXX to SLS since then the new Leander increase my payments without any reason and when I call they just give me an answer just to push me away without fixing the problems. Also, when I get an answer the next time I call they tell me we are sorry that the agent giving you the wrong answer. 
I pay my mortgage including the tax and the insurance. But they come to and asking me to pay more shortage in the tax. Last week I pay {$670.00} over the regular payment of my mortgage and tax/insurance. And still problems I need help

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX ran my credit unauthorized by me on XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent them all certified letters asking to remove these inquiries. It has been 4 months and they are still on my credit report. 
I did not apply for credit with any of these companies and would like for these inquiries to be removed.

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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was under Disaster Forbearance through XX/XX/XXXX, but Seterus had a scheduled sale date for Mid XXXX, while under the disaster forbearance. It was extremely stressful and caused extreme hardship to me and my family, because Seterus refused to postpone the Sale Date. They finally postponed the  sale date bc I submitted a disaster modification package. At what point of the review was I in when my loan was transferred? My loan was transferred from Seterus to XXXX home loans on XX/XX/XXXX, the new servicer had only received important documents pertaining to my loan on XX/XX/XXXX. What is the timeframe for all the documents to be submitted? Is it common and legal to have a sale date scheduled while under disaster forbearance?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ref : Hard Ship Letter : NACA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL, XXXX Loan # XXXX Date : XX/XX/XXXX I received a mortgage modification with the help of NACA after several failed attempts working with the Servicer, Ocwen Loan Servicing having suffered several hardships. However, it seems that Ocwen Loan Servicing and the XXXX and the now current Servicer, are attempting to make the nullify the modification after two years. 
In XX/XX/XXXX, I learned that Ocwen Loan Servicing and XXXX XXXX XXXX was co-servicing my mortgage ; Also I was adviced by XXXX XXXX XXXX to send my mortgage payments to XXXX XXXX XXXX. I did not receive any letter from Ocwen Loan Servicing confirming that XXXX was the new servicer so I contacted NACA who confirm that XXXX XXXX   was the new servicer. 
I started sending my mortgage payment from the months of XX/XX/XXXX onward to XXXX XXXX XXXX but the company sent back ALL the mortgage payments back to me, stating that Ocwen reported the XX/XX/XXXX payment was not received. 
I reported both to to XXXX XXXX  that Ocwen Loan Servicing reporting of the XX/XX/XXXX payment is is incorrect, because I have proof of the hand-delivery receipt of the payment and also date the money order was cashed. I sent both Ocwen Loan servicing and the XXXX XXXX  proof that the XX/XX/XXXX payment was received, and information that the money order was cashed. 
Even with all the evidence that I presented to Servicing companies, the mortgage payments were still being rejected. Now Ocwen Loan Servicing has filed a foreclosure notice to take my house away. 
I am seeking assistance from the department of Consumer Financial Service to rectify their error and allow me to resume making the mortgage payment. I am worried that the Servicing companies have device a plan to take away my home and make me XXXX. Please help me I made several personal attempts to work with the both Servicers Ocwen Loan Servicing and XXXX XXXX to remedy the error in recording and reporting the mortgage payments without any success. I am now working with NACA in an attempt to save my home. 
Thanks for helping me save my home and keep a roof over my family head, one of the basic need that all of us have. 
Sincerely XXXX XXXX XXXX EmailL : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: OH

Complaint narrative:
Greetings, Initially this was a hospital debt my wife and I paid off. We can't find this in our records as of yet, so the next concern became ... When did this company XXXX notify us of this debt? On what date did they attempt to collect the debt? What was our response, because it would have been paid? We can't pay off a debt if we received no notification or there was no attempt to contact us or who we would need to contact. I am requesting documentation of these efforts and information. 

This should include dates, documents, address and phone numbers utilized for collection. Notes on account of any contact with me and the result of that contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Yesterday, XX/XX/2019, we went to PNC downtown XXXX, NC to talk to the loan officer about the loan we took out to replace the variable interest load with a fixed interest loan, our pay off balance yesterday was {$60000.00}, on the internet. This morning I get up and the loan is payed off and almost transferred. Problem is the Pay Off this morning is {$60000.00}. There should not have been any late fees or other charges.

Yesterday when we were talking to the loan officer, she stated that the ( on line ) pay off balance was correct, ( when talking to another person on the phone to answer our questions about the difference in statement figures and on line figures ) she stated that the paper statement was incorrect and reflected the XXXX balance, on the XXXX Statement that we showed her. So it looks like the PNC Bank has charged us {$520.00}, to pay off the loan, we were told that we would not be charged to replace our variable interest loan with a fixed interest loan, the new and old loan were at PNC Bank, and there was not supposed to be a charge for closing costs on the new loan.

SO WHY DID THEY CHARGE US {$520.00} TO PAY OFF OUR OLD LOAN? This question was asked yesterday, and the loan officer said she was confused and couldn't answer our question. OLD LOAN NUMBER XXXX None of the balance figures add up on this simple interest loan, and we want to know why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Visa cut my credit line from XXXX to XXXX Only for the reason I used it more then I had in the Passed only to do work on my new condo.. I allways though is ok to use your card with out any Discrimination it seems in my case thats not true .. 
I am and will stay a loyal card holder and pay my monthly payment on time all the time and for that Im Penalized for being a good customer since I opened my account .in fact there times I have doubled and tripped my monthly required payment ... 
This action by Wells Fargo Visa caused my credit score to drop 54 points on XXXX XXXX, XXXX and XXXX  I asked. if you do this to a loyal card holder what do you do to one who dont pay on time. XXXX  Them?

Not Fair!!!

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 2019-03-13 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: FL

Complaint narrative:
When I originally signed up for school I was confused in the fact I was getting a grant, paying the school, and signing for a government loan. It was all a very confusing situation where we were constantly interrupted and very unorganized. I was under the assumption I was getting a grant and would pay the school monthly while attending. I was a single mom works now 2 jobs while doing the classes online. This was very exciting to me that I would be able to go to school and earn a degree and start a new career. I worked hard for 2 years finishing assignments staying on the Dean 's list. I could not wait to get my degree and finally start my career in XXXX XXXX and XXXX. I made sure I never missed a monthly payment to the school so there would be no delays of graduating. I was told that upon graduation they would help with job placement. After walking across the stage all of those promises where gone. I was told there were no jobs available where I lived. I would call the school and leave messages and get no response. Then the reality of I had student loans. Now I have a worthless degree and drowning in student loans. I graduated almost 10 years ago and have not even come close to the income promised. I found out after graduating that I didn't even need a degree in XXXX XXXX. I was able to get a XXXX  job and took courses and have been working in a physicians office as a XXXX XXXX. I have asked Navient year after year if I can get the loans consolidated so I can make reasonable monthly payments instead of multiple payments at prices I couldn't even imagine paying with my current income. Navient has told me year after year that it would be best if I just did forbearance and deferments. Not fully knowing what those are they set me up for those. In the meantime the interest keeps going up and up. Making it even more impossible to ever imagine paying them off. The college 's and student loan officers should not be allowed to mislead students. When we are signing up we are so excited with our dreams of a better future and your throwing so much information at them and easily confusing them. It's not right and should be against the law. I'm adding my complaint so hopefully it will help stop them from doing this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Overpaid charges to my loan .. unnecessary drive by inspections charges ... my loan stays the same for a long period .... doesn't look like progresses ... I have Green tree/Ditech since XX/XX/XXXX ... DITECH XXXX 2 years and half ..if not mistaken .I can submit papers ... but don't know how to do it onlineI can send by mail ... .to prove it ... phone number is XXXX ... .to cover up all this ... I was not aware they were been lawsuit ... they transfer just recently starting XX/XX/XXXX my mortgage loan to XXXX XXXX ... which by reading about them are no better than green tree, XXXX/Ditech, LLC ... it is like having twins ... of the same badness ... my phone nXXXX XXXX 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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX Storecard and Synchrony Bank has been charging my account for returned items that were supposedly refunded. Both XXXX and Synchrony Bank websites show items were refunded but after reviewing the monthly statements, the refunded items are still showing up in the balance including interest totalling to at least {$1500.00} each month from XX/XX/2017 to present. Ive repeatedly brought this to their attention but was dismissed. Attached is the latest statements and invoices showing refunded items and balances

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