vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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:
I have been on an Income Based Repayment plan. I sent in the renewal, and they MORE THAN DOUBLED MY PAYMENTS! I can't afford such a large increase in payments, even more strange it doesn't pass their own criteria for setting the payments. I think one problem with their IBR calculations might be that they only look at the income tax return and in my case ( probably many other 's as well ) I had the opportunity to work overtime last year and it would make it look like my income is higher than it really is. They should look at the paycheck instead, and base the payment only on the guaranteed income without the overtime, which comes and goes and is voluntary. So for example last year my guaranteed income was {$76000.00} but my tax return shows an income of around {$120000.00} so that is quite a difference. It doesn't look like there will be much overtime this year, so I really can't afford these new much higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: FL

Complaint narrative:
Good afternoon, I have been contacted by this company called XXXX XXXX XXXX Phone Number XXXX. XXXX the representative it telling me about a debt for a overdraft fee I had with XXXX XXXX 9 years ego. She started by telling I am being sued for the amount of {$1400.00} plus {$2500.00} of lawyer fees. After I asked what is this about, she tells me its a overdraft debt. I have not received any statements or proof of this debt. I don't even remember having a debt with them. I called the bank now XXXX XXXX and they are not showing anything. She is treating me with a civil lawsuit, and I am not given any proof of the debt. Also I will like to highlight, they are calling me during working hours to disturb me with treats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander refused for us to purchase gap Insirance on our vehicle loan. Six months after the purchase of the vehicle we were involved in a total loss. They did not give us the opportunity to get adequate protection and now we are at a fiancial loss because they forbade us to get gap insurance to protect our loan. They also malreported how much was refunded to them with the extended warranty that we had on the vehicle which the refund was XXXX not XXXX which is the amount reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello, I made a purchase to XXXX XXXX XXXX on XX/XX/2019. The payment went through properly, and I received my package within a week from the vendor. A week later, after receiving package from the XXXX, was alarmed to see that there was a negative balance on my Paypal account in the amount of {$100.00}. I immediately called paypal to discuss the matter, and it was at this time that they reluctantly informed me that they had paid for my products from XXXX XXXX XXXX without my knowledge or consent, because my bank ( XXXX XXXX ) had rejected the funds. I then complained vehemently with them, reminding them of the agreement that we have that has been honored in the past : that if for any reason, my bank rejects the funds, and the funds are unavailable, Paypal must notify my via email or text message, and the transaction will be put on hold or cancelled until such funds are available. Never have I agreed to any terms suggesting that funds can be paid on my behalf and later paid back without my consent. I then called my Bank and explained the details of the issue, and asked them why they would reject the transaction if the funds were available in my account without my knowledge. XXXX explained to me that due to a previous issue with Paypal they authorized a hold on all transactions without my consent. By the end of the phone call XXXX lifted the hold per my request, and apologized for the inconvenience it caused without resolving the issue still at hand. Now I am left with an outstanding balance of {$100.00} as a result of a total lack of communication from both Paypal and XXXX XXXX, and I refuse to take responsibility as this was an issue caused and exacerbated by these two companies. I have tried to resolve the issue with them but am not left to file a formal complaint through Consumer Finance, as I feel quite mistreated. Both calls should have been recorded and documented for review and for reference. I received a letter in the mail on XX/XX/XXXX requesting that I pay this outstanding balance and have been given 30 days to do so, or to file a complaint. So I have chosen to file a complaint and continue to fight this issue, and hope that it will be resolved fairly going forward. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX is saying that I owe XXXX for HSBC Bank and I never used this company before. They sent me a letter stating that I will be subpoenaed on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I have had issues with a car I purchased ( buyer said car was like new and turns out it has been wrecked several times ) and the dealer agreed to buy the car back. 
Ive had the loan for 14 months, initially borrowing {$16000.00}. When I called to get payoff on it 3 days ago so that the dealer could buy it back, they told me payoff was {$17000.00} Initially when I started the loan with XXXX XXXX, my payments were {$390.00} a month. After ACA took over, they called and told me my payments had dropped to {$240.00} a month because the other company was overcharging. I called several Times because that just didnt seem right with the interest rate at 18 % but they insisted that they know their job and are doing it correctly. 
Come to find out, with the lowered payments its not even enough to cover interest every month which has in turn made my balance more than I shouldve paid over my 72 month loan & at this rate the car will still NOT be paid off when my loan is up. 
I have been contacting ACA to try and get some sort of agreement where the dealer can pay the {$15000.00} and then them write off the other {$1300.00} so that I can be done with this car and every day someone says Ill call you back but no one ever does. I have spoken with at least 15 different people and no one can ever find them again for me to talk with them again. And no one cares that I am getting royally XXXX with my account and wont bother to try and fix it. 
I am currently 3 months behind because I had intended on letting the car go back, but was hoping to settle with the dealer instead of ruining my credit but at this point Im tempted just to let it go back and be done with it just because no one cares enough to help me. 
The most HORRIBLE and IGNORANT customer service ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: LA

Complaint narrative:
My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. Trans union reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. XXXX has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by transunion and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XX/XX/2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.

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 2019-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX from Portfolio Recovery Associates called my employer on XX/XX/2019 at XXXX XXXX about a debt from XXXX XXXX XXXX XXXX from 13 years ago. I just happened to answer the call this time and catch him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient has failed to validate these accounts on my credit report. As seen by several attempts, Navient has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to Navient & Sallie Mae asking for an instrument of indebtedness.Both Navient & Sallie Mae have failed to respond correctly to each of these letters. Sallie Mae never responded and Navient responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

Navient is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas XXXX, XXXX  and XXXX  ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO NAVIENT AND SALLIE MAE AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

Navient is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank ( www.chase.com ) website states that the card I am applying for has 0 % for purchases and balance transfers for 1 year. But when I received my card and statement that was not the case. 

I did get 0 % on purchases but for balance transfers it is 21.49 % and not the 0 % that was advertised. 

Here is the link to their website stating the 0 % https : //creditcards.chase.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XXXX the XXXX my son XXXX XXXX sent me XXXX dollar through XXXX. XXXX initially said the funds would be available on the 3rd day. On the 3rd day XXXX sent me an email and said that there was a problem with the transaction and that I needed to send them a copy of my ID. After they received a copy of my ID I received an email that said that my account had been permanently XXXX. They said the money would be returned to my son. However the money was never returned to my son account. XXXX has refused to give me any information since they said my account has been XXXX. When my son calls they say that he can't speak to anyone and has to send an email and it will be returned in 24 hours. They have yet to respond. When I go on their XXXX  page it shows that this has happened to multiple people and they haven't returned the money. All the while they refuse to give any reason for not completing the transaction or while my account was XXXX. I have NO criminal record. It seems to me that XXXX is allowing large transaction to go through and then don't complete the transaction and keeps the individuals money or at the very least hold on to it for months. They are hiding behind Privacy policy so they don't have to give explanation for taking the money and refuse to respond to people .I do feel that it is a scam they are using

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I originally closed on my condominium in XX/XX/XXXX. Approximately in XX/XX/XXXX my mortgage was sold to a company, XXXX XXXX. Since my mortgage has been sold we have been running into numerous issues resulting in lender mandated fees which wont come off and increasing our monthly payments by {$500.00}! 

In XX/XX/XXXX we received a letter requesting our insurance increase to {$250000.00} coverage. 

In XX/XX/XXXX I changed banking account information and it took two weeks to have my banking information updated. While attempting to update my account I noticed my monthly payments were going to be increased by {$500.00} due to a lender placed fee for flood insurance. I called an explained that I am on the 4th flood so Im not within flood level. The company then requested my building flood policy. I submitted XX/XX/XXXX. I called the company either XX/XX/XXXX or XX/XX/XXXX and they havent reviewed or processed my documents yet and I was requested to call back AGAIN. I called back on XX/XX/XXXX and the mortgage company confirmed they have the master flood policy but are now requesting a previous building flood policy along with a building hazard policy and refuse to remove the lender placed fee even though they never informed me of these requested documents. I requested AGAIN to have the lender placed fee removed as I wasnt told of these documents and my mortgage with additional {$500.00} of payment is due within 10 days ( XX/XX/XXXX ). The representative said she couldnt do anything but did inform me that they overcharged me for the previous escrow due to my insurance company and will be refunding me money but couldnt tell me how or when. This company is targeting customers and making a practice of continuously over charging customers and not providing information and appropriate customer service to facilitate quick solutions. Home owners shouldnt have to beg not to get over charged on their mortgage!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
This phone number as well as sister numbers as XXXX and XXXX that are continuously calling me. I have told them to stop and not to call me I have tried blocking them but they are still calling me. They are saying they are a business called Credence Resource management. I've razed reviews and everyone is identifying them as scammers. I have told them repeatedly that I know they are scammers and that they need to stop harassing me. I have informed the federal trade commission and filed a complaint with them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/XXXX the following items were sent to XXXX : 1 ) XXXX XXXX XXXX  ) XXXX  3 ) Utility Bills 4 ) Taxes XXXX XXXX ) Annuity Income Statement. ( All attached here. ) They were sent via 4 separate ways : two fax numbers XXXX XXXX & XXXX ) and to two separate email addresses which included the assigned negotiator ( XXXX XXXX XXXX ). 


XXXX and its employees never attached the documents to the file. We have called multiple times and had it escalated XXXX multiple times ) to be attached immediately, but AFTER THREE WEEKS XXXX STILL HAS DONE NOTHING ON THIS FILE. 


This is not acceptable. XXXX is violating their servicing guidelines and this is causing harm to their investor and the borrower. I want the documents attached to the file immediately and for XXXX to continue their review with no further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Charges appeared on my XXXX XXXX account Charges XX/XX/XXXX & and charges XX/XX/2018 & XX/XX/2018 do not belong to me. I filed a dispute on XX/XX/2018 and as of today this has not been removed from my account. 

In addition, my credit history has now been reporting derogatory as a result of the error on XXXX billing. I has spoken to XXXX on numerous occasions and they will not remove this error. I have suggested that they back tract the delivery address these items were sent. They can see that my address on this account was not the ultimate destination. 

XXXX has also engaged in fraudulent banking practices since I'm being charged for items including interest added to this account unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
A company has gone into my checking account XX/XX/XXXX and again in XX/XX/XXXX and stolen {$5300.00} both times. 
Both times Suntrust has not returned my money. 
Both times, Suntrust has some excuse because the company ripping people off will not return the funds. They will not return my money because they are not recouping it from this scam company. Suntrust never called me to verify these {$5300.00} charges but they said that they did. They NEVER called me. They let a company take {$10000.00} out in 2 payments almost 2 years apart from each other. This company didn't have my home address correct, they never had a copy of my license or any sort of utility bill. They never talked to me on the phone. I asked Suntrust to do a XXXX way call but they will not. Plus the merchant will not ever email me, call me or text me. Suntrust needs to return my funds. When I call Suntrust their team was extremely rude to me. XXXX XXXX, XXXX XXXX and XXXX XXXX were all completely rude and blamed me and refused to help. XXXX made threats to me because I emailed an employee on XXXX and he said that I should not have reached out to her outside of her work. I said well nobody would give me her work email, so I reached out on XXXX. He made some awful threats and nothing has happened to him. He still works there. XXXX XXXX got on the phone after I complained to the President of the bank. He said he was going to help me but he didn't even know anyone in the fraud dept. He was a complete XXXX to us and I have all of these people on speaker phone with some of my employees listening. Terrible people. Please return my money ASAP. They know my son has medical needs and I also have 5 financial products with Suntrust and deposit over 500k a year in these accounts and they are treating me like I am the thief. They are wrong and have no proof. They just do not want to refund me because the merchant will not refund them but they should have NEVER given my money away. Terrible.

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 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
- XX/XX/2019, New credit card approved. 
- online banking started to occur around 2nd week of XX/XX/2019. Unable to view CC account information but the card was working. Advised to use the card normally. Capital one rep suggested there was some problem with the account information and they would get it fixed within 72 hours. 
- XX/XX/2019 : Called to check on the problem. Was thrown around to many reps. Final results showed that they found 2 names on my account with the same SSN, causing the system to crash. Suggested to call back and tried again. Was unable to access account statement but able to request the statement manually sent to my account, but Capital one was unable to help with payment. 
- XX/XX/2019 : Called again for payment, Cap1 unable to pull out payment screen so unable to pay. Suggested to send paperwork for name update in their system, with ref case no # XXXX. Files uploaded and was told someone would call back to confirm and it would take about 72 hours. 
- XX/XX/2019 : Called again to try to pay, system was not working again. Payment was due but Cap1 unable to process. They claim " could not find the CC account in their system '' - XX/XX/2019 : Called again to check on file submission progress. Talked to supervisor with ID # XXXX she mentioned the case # received earlier was not valid and still need documents uploaded. New case # issued as XXXX. She said will check back with me next day to confirm. 
- XX/XX/2019 : File uploaded at around XXXX. No follow up calls so far. Bill still can not be paid and will be overdue by now. I just want to pay the full amount and close the account.!!

Company response to consumer: Closed with monetary relief