vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loans were in default status and a year ago I entered a rehabilitation program with Navient, the gal assured me that after paying the minimum payment I was making my loans would go into good standing and I would enter a new repayment plan also within 3 months of completing the rehabilitation program this information would be relayed to the credit bureaus and my credit would reflect the loans as being in a positive status/ favorable status. However, apparently XXXX of the loans were kept out of the rehabilitation program because Navient claims there was a payment made on these loans which kept them separate. I was never informed of this until my rehabilitation program ended and I am still in default status! I have accrued XXXX in interest. I am a XXXX & have been for 12 years now, XXXX. I have been released at the end of the contract due to lack of funding for education 6 years out of that 12 and laid off twice, I had to claim bankruptcy just to be able to hang on to my house for myself & my son. I feel Navient misrepresented themselves by making me believe this rehabilitation program would be a means for me to finally be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's " private '' nor can it be claimed under bankruptcy because it is a " student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a " lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I made repeated phone calls to XXXX Navient and told them I was unemployed and could not make payments. They were not willing to work with me at all on stopping the need for payments and negative reporting to the bureaus or even agree to a low payment plan. They were very unreasonable in asking for at least XXXX a month which was impossible for me to pay. This is XXXX of XXXX loans I have with them. As a result my credit has been significantly damaged and now they are suing me and will post a judgment against me. I am a single parent of XXXX children getting assistance from the state for expenses. My original balance of XXXX is now at XXXX which includes the compounding interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made Several requests from Bank of America for the verification of the information being reported to all XXXX bureaus without compliance. BanK of America has not provided proper verification. Bank of America states this account went delinquent XX/XX/2012 and it shows at charge of XX/XX/2012 but Bank of America reports almost every month that this account is late. There are 8 months reporting no data. It reports a recent payment of {$140.00} which I believe is reporting falsely.

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 2016-01-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
i was forced into buying a car i didnt want .herbies told me because of my credit i had to get this car and a week later the engine went out. I only bought the car because they said it was a buy here pay here plan and i also feel like i payed too much for this vehicle the car i bought is valued at XXXX and i payed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2017 I received conformation of XXXX balance transfers totaling {$7900.00} including transfer fees ( with zero percent interest until XX/XX/2017 ) I made onto my Chase Ink Mastercard. I had never requested a balance transfer before so I had called and talked to a representive for Chase prior to making the transfer. I was told that any new purchases I made on my Chase Mastercard had to be paid off every month or the balance transfer amount would be subject to the current interest rate on my account. During the month of XX/XX/XXXX between XX/XX/XXXX to XX/XX/XXXX I made cash advances totalling {$2800.00} including transaction fees. On XX/XX/XXXX I made a payment of {$4000.00}, figuring that would cover any cash advances and purchases for the month of XX/XX/XXXX, also the minimum payment due plus some extra that could be applied to the balance transfer amount. When I received my statement the next month, no money was applied to the cash advances ( highest interest rate ) I had made, instead they had applied the {$4000.00} to the balance transfer amount ( zero interest rate ). I called on two occasions and both times I was told by the Chase representive that is the way it works, when clearly that is not what I was told prior to applying for the balance transfer. After all it would make no sense for me to pay down a zero % balance when I have a balance that carries a 25+ % interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ROCKY POINT CAPITAL LLC
State: DC

Complaint narrative:
This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender closed the review 3 days after receiving the package due to a missing signature on the client profit and Loss statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I am filling a a series complaint against the XXXX credit agency 's. 

I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. 
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??

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 2016-12-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ROC Asset Solutions, LLC
State: OK

Complaint narrative:
The collectors used XXXX phone numbers. XXXX and XXXX. They call myself, my brother, wife, sister n law and mother. They left messages to have me call with a case number and threatened legal action. My sister n law answered and they said they were attorneys and gave her a case number and said I put her down as reference. When she told them to quit calling her they said they could not until the loan was paid. This is just plain harassment and a violation of my rights by telling information. The person who left a message for me said company was ATI.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed information that was on my Equifax credit report by XXXX and it was deleted by Equifax. But it was inserted back on my credit report on XX/XX/2017. I have requested documents from XXXX and Equifax to show proof of this alleged account. Neither can provide proof. I sent a validation letter to the company and I have sent 2 letters to Equifax for proof. I have just sent a 3rd letter to Equifax on XX/XX/2017. I have an extended fraud alert on my account. I never received any information from Equifax before this item was placed back on my account either. Unverified accounts should not be allowed on my credit report as this is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: High Point Asset Inc
State: CA

Complaint narrative:
I have received multiple calls from High Point Asset at XXXX. 
They claim that I must respond to an important civil matter or they will " forward my file to litigation. '' I dealt with this last year during tax time and asked for verification of debt, which they never provided. Now they are calling me again. I have not spoken with them to review this debt, as I know it is not mine and I am afraid they are trying to get additional information out of me.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Jemcap LLC
State: NE

Complaint narrative:
On XXXX XXXX, XXXX, I purchased a XXXX family dwelling Only. All the payments for the mortgage were paid on time until when I applied for a Loan Modification on XXXX XXXX I was denied and by inquiring about the reason of the denial I was informed that the loan was fraudulent. Two weeks after I received the denial letter I was also informed that the original Lender sold the Note to another company and since then it has been flipping from investors to investors so far I count of XXXX different investors. The last investor Jemcap LLC compelled me to pay more than {$100000.00} XXXX XXXX XXXX Dollars from me in Lump sum payment in his Bank account and sold the Note again to an other investor XXXX XXXX XXXX located in XXXX XXXX, XXXX NY who is now seek a Judgment of Foreclosure and Sale. According to the Department of Building, it is a XXXX Family Dwelling Only and it is Owner Occupied. Please investigate the matter and it is in the Supreme Court of New York.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I have a a unverified account from FEDERL ADJUSTMENT BUREAU. I DO NOT RECOGNIZE this account. I have never done business with FEDERL ADJUSTMENT BUREAU. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FEDERL ADJUSTMENT BUREAU Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all contractual agreements between myself and Federal Adjustment Bureau. 
3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FEDERL ADJUSTMENT BUREAU Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer Credit XXXX XXXX XXXX CA XXXX Account numberXXXX Continual Phone Harassment On XXXX, a payment of {$770.00} against a due amount of {$750.00} was made. I am making over-payments [ greater than {$750.00} ] every month on this account. During the payment phone call of XXXX, the WCC rep offered to wrap a past due payment to the end to bring the account current. I accepted. There is currently a past due amount of ~ {$500.00}. The account is less than 30 days past due. 
On XXXX, I returned a call to customer service, during which I informed that the next payment will made on/about XXXX [ due date is the XXXX ], in the amount of {$800.00}. I continue to receive multiple calls daily, to my cell phone, and office phone, threatening repossession, even after sending a cease & desist email on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
There 's a credit acceptance company reporting on my credit reports and it is not mines and was fraudulently opened it is dating back to year 2013. This is not mines and I 've even tried to contact the company but there 's nothing they can do about it she told me it was for a car purchased at we finance auto sales in XXXX Alabama and that car lot is closed now and has been for almost 3 years to date. So who 's responsible for a loan being took out from a fraudulent car dealership. I do n't owe this company anything because this is n't my debt I have a fraud alert on my account just for this purpose after I saw it on my credit

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 2015-09-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
Misleading, excessive interest rates, lying about reporting to credit bureau. 
When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Hello Approximately 2 weeks ago I had noticed a change on my credit report Springleaf Financial ( Now OneMain ) had deleted the current loan I am paying on from both my XXXX and XXXX Reports. So I called Springleaf ( Onemain ) AND Spoke To XXXX in their Credit Reporting Department ( XXXX ) I asked her the reason for the deletion her response was since I am paying my loan back via a Attorney That OneMain is not required to report on the individuals Credit Reports it 's according to OneMain Polices. I did n't know this was aloud do to the Fair Credit Reporting Act. I was never informed of this policy. Late last year Springleaf Financial Changed names to OneMain again without informing myself. I had previous loans that are paid and over 7 years old that can be removed from my reports. XXXX informed me that if I want to remove or dispute items on my reports that I need to call her directly instead of thru the dispute process on XXXX or XXXX can she make that kind of statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with Transunion on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Transunion is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Creditors' Service Bureau of Niles, Inc
State: IN

Complaint narrative:
On XX/XX/2017, I was contacted by phone by a collection agency seeking payment of a debt owed to A XXXX for counseling services. The agency would not identify themselves by name - only the fact that were attempting to collect a debt on behalf of A XXXX XXXX. The caller stated that I owed {$140.00} and requested immediate payment by phone. On XX/XX/2017, I was contacted by phone yet again by a representative of a collection agency who failed to state the name of the agency but were asking for immediate payment of {$140.00} on behalf of XXXX XXXX XXXX. XXXX of all, the amount owed to A XXXX is {$75.00}, not {$140.00} and I stated that I disputed the amount of payment that was being requested. A Beautiful Mind did not give me any written notice, such as a 10 day letter, advising that the debt was going to be turned over to a collection agency. The collection agency can not collect an amount greater than what is actually owed. Despite the fact that I was first contacted by phone on XX/XX/2017, the collection agency failed to " within XXXX days after contacting a debtor '' provide any written notice or the opportunity to dispute the debt. In fact, the collection agency would not even give their agency name - only the information that they were attempting to collect {$140.00} for A XXXX. The only way the collection was tracked was by the phone number that appeared on my phone. Not only is the collection agency being deceptive, but on their second contact of XX/XX/2017, they once again failed to send written notice of the debt within the required 5 days. The original creditor and the collection agency are both in violation of the FDCPA.

Company response to consumer: Closed with explanation