vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I was enrolled at XXXX from XXXX. During that time student loans were taken out based off of XXXX telling me that my tuition would never go up and I would be making XXXX a year right out of college. After doing some research I found out that XXXX had lied to me and due to the government pulling their funding based off of illegal activities I sought to have these student loans discharged along with my private ones. Per the form I sent to Navient there is a fine print item that says If you withdrew more than 120 days before the school closed, you may be eligible for this form of discharge if the Department determines that exceptional circumstances related to the school 's closing justify an extension of this 120 day period. Examples of exceptional circumstances include but are not limited to the closed schools loss of accredidation, the closed schools discontinuation of the majority of its academic programs, action by the state to revoke the closed schools license or a finding by a state or federal government agency that the closed school violated state or Federal Law. Per that disclaimer Navient must wipe out the lines and any interest that accrued during that time period. They must also reimburese me on any payments I made towards those lines at that time. Navient has denied my request twice stating that I was out of the school for longer than 120 days. When I brought up the terms and conditions with them they denied it again. If Navient does not discharge the loans taking out during that time period they will force me to seek legal counsel and sue them to have the loans discharged. I meet the requirements for the loans to be discharged so they must be discharged. XXXX had their funding pulled due to fraudulent activity and statements made by the company. I never would have went to XXXX nor would I have pulled out student loans if I knew the statements they were telling me was false. Furthermore, Navient has discharged student loans for other people past the 120 threshold for the same reasons they just went to a different school. A few of these people I know personally and that is how I found out about this. If Navient is going to discharge the loans for one person based off of this they must discharge them for all the people meeting this requirement otherwise they are discriminating against me. Which would be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
GM Financial has not reported my monthly on time payments for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2017 to the major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple accounts that have aged out and have yet to be removed. These accounts should have been removed from other credit reporting agencies, but TransUnion has refused to do the same on these old accounts.

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 2017-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Chaplain Financial Services LLC
State: TN

Complaint narrative:
Caller did not ask to speak to anyone. Said they were Process serves and if I did not call back immediately, they would send some one to my work place and serve my Human Resources personnel. 

I call back and they were looking for someone else. 

Company said they were Chaplain Financial and phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: AFNI INC.
State: NY

Complaint narrative:
Afni Collection ( XXXX ) was removed from my credit reports on XX/XX/2015. Now they are back on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
After I finished school Navient continously harassed my daily multiple times a day for payment. When discussing options with them they never once offered any kind of help lowering my payment. I fact the continued to say I had to pay the full amount acted found not foare my loan. At the time I was not financially well off and I figured there would have ointment in making smaller payment because it would still continue to hurt my credit actndnd actndnd up fees. My credit score went from really good to terrible quickly because of the negative credit reporting from them. Once I was able to get on my feet and afford to start paying on my loans I called them. Only then did they finally offer me lower payments based on my income. I now make theses payments to them and have for a couple years now but my balance never changes because of my interest rates. I have tried to get my loan too a new company but nowit 's not even possible. N loan company will except me because of my damaged credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
i disputed inquiries with Experian to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Experian several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. I really hope you can do this investigation to help me dispute these inquiries on my report! thanks!

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All of my Capital one credit cards and bank accounts were closed. The bank gave me no warning or explanation. I called Capital one and was told that they do not have access to the information as to why this has happened. I have no pending legal cases, credit score is good and my taxes are paid. This has caused great concern for me because i do not know what has caused this. This is very scary that a bank would do this with no explanation and leave me without access to my money or credit. I understand a bank can exercise their right to close an account but to not give a customer a warning so they can get ready to be without access to their credit and money is unacceptable. I need to know why this has happened so i can determine if this is even based on accurate information. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections. 
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was informed by my lender 's representative that I could eliminate my PMI on an FHA loan that several months ago had passed the five ( 5 ) year anniversary of it 's origination. She informed me that all I needed to do was pay for an appraisal and if the loan to value was at or below the seventy-eight percent ( 78 % ) threshold, the lender would remove the monthly PMI that I continue to pay. I paid for the appraisal and submitted it to the lender as she instructed me to do, but was denied the monthly PMI removal on the grounds that I needed to pay the PMI for at least five years ( which I have been doing ), the loan to value needed to be below the 78 % threshold ( which it is ), and that it was at the lender 's discretion as to whether or not they would remove the PMI ( this information was not provided ). I incurred the appraisal fee of XXXX and XXXX dollars ( {$350.00} ) and feel cheated by this lender 's misleading and negligent actions. I would like to have this matter investigated, as the appraised value of my home is XXXX dollars ( {$310000.00} ) as of XX/XX/2017. All I want is to have the monthly PMI removed from my loan and my appraisal fee fully refunded to me. I feel mislead and taken advantage of by this lender 's actions and seek assistance from the Bureau of Consumer Financial Protection to resolve this matter, since the lender has not corrected this problem. 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 explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As Class Members of the XXXX XXXX XXXX XXXX XXXX XXXX, my wife XXXX XXXX XXXX and I do not owe any of the debts on our credit report save our first mortgage lien, XXXX auto loan and Federal student loans. Furthermore, I have an attached LAPD ID Theft Report ( # XXXX ) which further absolves me of any debts assumed to be accrued by with me with the exception of the ones listed above.

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 2017-04-17 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: CO

Complaint narrative:
XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. 

After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. 

On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. 

As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. 

I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. 

Please feel free to contact me at your earliest convenience with any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XX/XX/XXXX, there were XXXX isolated fraudulent credit card charges on my Chase credit card account, an account which I opened in XX/XX/XXXX. At that time, I contacted Chase about the charges, and Chase replaced my card. I subsequently contacted XXXX to request that a security freeze be placed on my account. I did NOT dispute the Chase account, but XXXX contacted Chase and required that my account be closed. Further, my 11 year Chase credit history was entirely removed from my credit report without my consent. On XX/XX/XXXX, I contacted XXXX and spoke to XXXX, a Supervisor in Special Handling. She looked at my security freeze request and verbally acknowledged that XXXX was responsible for the error. She stated that I would need to contact Chase to have the account reinstated, and then XXXX would update my credit history. Chase, however, refused to reinstate my account, even though I had paid in full for all charges other than the XXXX fraudulent charges in XX/XX/XXXX. Chase told me that once all XXXX credit reporting agencies instructed them to reinstate my account, they would do so. After much back and forth between Chase and the credit reporting agencies, none would take action ; I was then placed in a " Catch-22. '' Because XXXX had made the original error, I filed a complaint against XXXX with the CFPB to request that they contact Chase to correct their error. XXXX replied that they had re-inserted the item on my credit report and sent it to Chase for approval. Chase refused to reinstate it, and XXXX now states that, " Chase has removed the account as verified fraud by credit grantor. '' Chase has clearly made an error. If my entire account had been fraudulent, I would not have been paying my bills in full on the account since XX/XX/XXXX. Only the XXXX charges disputed with Chase were fraudulent. In fact, even though I never received a bill for some of my charges in XX/XX/XXXX after they unexpectedly closed my account, I voluntarily contacted Chase in order to determine the balance due, which I then paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Ocwen is making loan agreements without all parties involved consent. They refuse to provide me information on the loan that they hold me liable for. I am co-borrower and co-owner of a property w/ ex-husband who is in Chapter XXXX in CA. Ocwen has entered into a forbearance agreement of some type without my consent and apparently with my ex-husband only. It is not part of the Chapter XXXX plan. Ocwen will not release any information of the agreement to me or update me on the status of the loan. I have not consented nor will I consent to any forbearance or modification agreement that does n't release my liability. Ocwen states I am liable for the loan but refuses to release any information about the loan to me ( they send letters to the credit agency about how late I am every month ). It is a {$700000.00} loan. They wo n't give me any information about the loan unless my ex-husband 's attorney sends a letter ( which he wo n't do ). There are no court orders stating I am not to get access. I have asked that all correspondences are sent to both parties on the loan countless times without success. There are no statements available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Paragon Home Loans, Inc
State: NY

Complaint narrative:
We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.

Company response to consumer: Closed with explanation