vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I've recently tried to dispute this information concerning late payments being reported to the credit reporting agencies in XXXX, XXXX. I've tried several times to get them to explain how my student loan went from Deferment to Forbearance less than 2 months. Deferment last one year until renewed. This concerns me because Navient Dept. of Education Loan servicing has a very bad issue with listening to complaints and communicating with customers. All they have done is justify how the issue occurred but do not explaining why it occurred.The reason I believe is that no one wants to be held accountable for why this mistake occurred and who is responsible. I was not aware of the mistake until I received the information from Navient which I have attached. Back in XXXX of XXXX is when I found out that my loan had been in forbearance. That is when I put it back in deferment which I qualify for.The next month I called Navient in concern of the late payments that was reported on my credit report and the representative tried to get me to put it back in to forbearance and I asked why when I'm already in deferment. I was very confused and it was very concerning to me, so I did some research and found that there is no interest charges when your loan is in Deferment but when it is in forbearance, there is in fact interest charges applied to your loan. So this leaves questions and it explained why they would try and do this and why the mistake was made in XX/XX/XXXX and question if it was a mistake or done purposely. I am a XXXX veteran and I have never established a payment plan do to my XXXX which I explained to them that I'm in the process of getting approved for unemployability and getting my loans forgiven because I have not worked or can not work. My question is why Navient would take advantage of me as a veteran and my condition buy trying to apply interest charges and taking my student loan from Deferment to forbearance less than 2 month with out any communication with me explaining why. I think the individuals responsible for this issue should be held accountable because I'm concerned that I'm not the only one this has happened to. This has ruined my credit and I have suffered from by there mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX AND EQUIFAX ARE DEPICTING XXXX XXXX, ACCT # XXXX .... 
WRONGFULLY ON MY BUREAU REPORTS. 
THE ACCOUNT DEPICTED IS INACCURATE AND INCOMPLETE.THE REPORTS TO NOT SHOW THE MONTHLY PAYMENT WHICH I PAID BRIEFLY ON THIS FRAUDULENT LOAN. 
THE LOAN APR WAS NOT EXPLAINED TO ME WITHIN THE 72 HOUR RECISSION PERIOD SO THAT I COULD UNDERSTAND THAT THE UNMENTIONABLE UNCONSCIONABLE OVER 100 PER CENT APR LOAN AND DECLINE IT.ATTACHED IS THE COURT ORDER REQUIRING THIS AS A PERMANENT INJUNCTION.I HAVE ATTACHED THE CFPB COMPLAINT AGAINST THE CREDITOR WHO UNSIGNED THE RESPONSE AND REFUSES TO MENTION THE APR RATE OR THE CA SUPREME COURT CASE THAT DETERMINED THE 100 PER CENT PLUS APR LOANS VIOLATE THE CA BUSINESS AND PROFESSIONS CODE.

I HAVE ATTACHED XXXX XXXX XXXX XXXX XXXX, THE CASE THAT THE SUPREME COURT CONCLUDED IN 2018. 
ADDITIONALLY IF THIS HAD BEEN A LEGIT LOAN XXXX SLEPT ON THEIR RIGHTS TO SUE TO COLLECT.THE STATUTE OF LIMITATIONS FOR THIS IS 4 YEARS ... HAS BEEN 6 YEARS. 
XXXX IS DEFUNCT YET STILL FIGHTING IN COURT TO KEEP THE MONEY THEY DEFRAUDED THE PUBLIC. 
THEY ARE DOING A FANTASTIC JOB WITH THE WORLDS BEST LAWYERS. 
IN BOTH CREDIT FILES THE MONTHLY PAYMENT IS NOT REPORTED INTENTIONALLY AND IS A VIOLATION OF THE FCRA.THIS IS DONE INTENTIONALLY SO THAT THERE IS NO RECORD OF THE INTEREST RATE ON FILE ... THE MATHEMATICAL COMPUTATION CAN NOT BE DONE AND THE EVIDENCE IS HIDDEN ... BUT THIS ALONE IS SUFFICIENT FOR EQUIFAX AND XXXX   TO DELETE THE ACCOUNT IN ENFORCEMENT OF THE FCRA THAT THEIR DEPICTIONS MUST BE ACCURATE AND COMPLETE HIDING NO IMPORTANT SUBSTANTIVE INFORMATION SUCH AS THE MONTHLY PAYMENT, PAYMENT TERM AND DATE OF FIRST DELINQUENCY. 
I HAVE ATTACHED THE VIOLATED INJUNCTION, THE SUPREME COURT CASE, THE CFPB RECENT UNSIGNED RESPONSE OF XXXX.I HAVE ALSO ATTACHED MY MEDICAL RECORDS OF MY 4 XXXX. 
THE XXXX CAUSED XXXX AND XXXX  XXXX PRIOR TO THE INCEPTION OF THI S LOAN AND MADE IT MUCH EASIER FOR THIS PREDATORY LENDER TO DUPE ME INTO SIGNING WHAT THEY WANTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took a loan out with Synchrony Bank for a air conditioner back in XXXX of 2019. My first payment was due on XX/XX/2019. I paid that payment on time. Come XXXX and I paid on the XXXX of XXXX. I did not know this company has no grace period. It is due on the XXXX of every month. I did not find this out until XXXX when I called the company to find out why I was getting late fee charges. Then I find out yesterday that not only am I getting charged {$38.00} late fee past the XXXX of every month but I am getting charged a extra {$2.00} for interest on the late fee which means every time I am late I have a {$40.00} late fee past the XXXX of every month. I have tried to speak with the bank but their English is very hard to understand. I do not think these late fees are very fair nor did I know I would get hit with them and a " interest '' late fee as well. And no grace period. This was not explained when the loan was taken out. They did waive 2 late fees for me within this time period but these will be the last fees waived due to bank having a limit on waiving them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05 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: IL

Complaint narrative:
In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPAS, Inc.
State: NY

Complaint narrative:
This is for XXXX XXXX XXXX XXXX XXXX acct # XXXX. Their billing service is NPAS, Inc., XXXX XXXX XXXX, XXXX, KY XXXX. 

The paper bill sent to me was for {$250.00}. I made, and can verify through my bank and with the NPAS confirmation #, that I made two payments in succession and the amounts were withdrawn from my checking account. Payments were made through their online portal : www.sphp.com/online-payment Payment 1 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confimation # XXXX. 
Payment 2 made XX/XX/XXXX and withdrawn from XXXX account on XX/XX/XXXX : {$50.00}. NPAS confirmation # XXXX Note that NPAS DOES NOT have any way for consumers to check their balances against their crediting payments. 

On XX/XX/XXXX I received a collection notice from a debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX XXXX ) for the above account number. That collection notice they sent was for {$240.00}, an erroneous sum sent to them by NPAS. 
I tried to contact XXXX XXXX 's XXXX XXXX XXXX on XX/XX/XXXX and was put on hold for nearly 45 minutes only to discover that their phone lines were down. I called again the following day, XXXX, and was sent to the Collections person, " XXXX '' or " XXXX '', and left a voice message. No return call. I called again today on XXXX and someone in the Central Billing Office told me to pay {$150.00} and that the debt collector had added over {$100.00} in fees, which is a lie. I was again put through to the Collections Office voice mail. The Central Billing person told me that accounts are automatically sent to collections after 4 months even if you are making payments. There is nothing on the NPAS website that tell you that and nothing in the XXXX XXXX 's billing information that tells you that either. 

I called the debt collector, XXXX, etc. ) and was told they could only see that I had one payment on XX/XX/XXXX and there was no evidence I had made the XX/XX/XXXX payment despite my having multiple confirmations from my bank and the NPAS payment portal generated confirmation number. The person I spoke to at XXXX, etc. told me I owed {$190.00}, which is also inaccurate. Yet they were billing me for {$240.00}. I asked if this would go onto my credit file while I was trying to resolve this and she said " maybe. '' I tried to call NPAS and went through their automated system multiple times and was hung up on each time. The message said that the debt had gone to collections and then there was a hang up. 

I have called the hospital to file a complaint against their billing practices. I owe {$140.00} and want to pay that but I am being forced to pay {$190.00} instead. This has to be illegal practice and I really need your help. 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 2019-09-05 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Fraudulent charges from XXXX were made on my Citibank Sears Gold Mastercard. These {$14.00} charges began occurring in XXXX of 2018 and were turned into Citibank 's fraud investigation department. Three fraudulent XXXX charges of {$14.00} were made on this account totaling {$42.00}. It took about six months and numerous calls to finally learn that these charges had been deemed fraudulent and all associated interest and fees were to be removed from the account. Each time I called Citibank, I was assured the charges would be removed and the account would be cleared. However, the account has continued to accrue late fees and interest charges. After about 10 months, all charges and fees remained on my account and Citibank took steps to turn the charges they had deemed as fraudulent over to a collection agency. During my most recent call to Citibank I was informed that they could not make sense of the charges and would have to send the issue back to the investigations department for further review. It has been over a year and this issue is now in the hands of a collection agency and is negatively affecting my credit score.

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 2019-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
The company overseeing my Stafford loan made minimal efforts to contact me ( only sent letters to the address of the college I graduated from ) before sending my loan to collection. My phone number, which has been the same for six years, was easily available to them. The first notice that reached me regarding the delinquency of this loan was through my preferred credit score checking program. There was no identifying information for the company, and it took significant effort to find out who they were. Once I was in touch with them, I immediately paid off the loan in full plus a significant fee they included. 

I had every intention of paying this loan - I have been consistently *overpaying* all of my other student loans since I graduated, and would have done the same for the Stafford loan had anyone reached me. My college was transitioning financial aid directors and I wasn't issued an exit interview for my loans until a full year after I graduated, by which point this scenario had already transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: IN

Complaint narrative:
I had a house that was foreclosed in XXXX or XXXX. The house sold at a sheriffs sale for less than I owed. In XX/XX/XXXX a judge granted Dietech mortgage a judgement against me that I had no clue about. I own outright a home in XXXX XXXX Indiana on XXXX XXXX XXXX. I sold this home and made an accepted cash offer on another home af XXXX XXXX. Upon a title search by XXXX XXXX during their second search the judgement for Ditech showed up. XXXX XXXX Attorney XXXX XXXX, myself, XXXX at XXXX XXXX and XXXX XXXX at XXXX XXXX have all been engaged in numerous three way calls to Ditech and even their attorneys and Ditech has incompetently turned this into a fiasco that has yet resolved. We all were seeking a payoff amount or letter stating the amount of a release of the judgement sent to XXXX XXXX so we can close. Ditechs incompetence in this matter has resulted in delay of closings on two properties, contractors not being able to start, utility transfers of service being scheduled and rescheduled, movers canceled, realtors not receiving their commissions, and the list could go on. Ditech said the loan is closed, and referred us to various internal department heads, various external companies and turned this into a fiasco due to their lack of knowledge of a judgement. At one time Ditech referred Attorney XXXX XXXX and myself to XXXX, one of their Department heads who didnt even know what a foreclosure was! XXXX XXXX The Attorney for XXXX XXXX XXXX hopes to get a call from someone who can assist in this mess! The number to XXXX XXXX is ( XXXX ) XXXX. Help us please it has been a mess!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX last year, XXXX XXXX transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello. I hope you can help me. My wages from my new job are being garnished by Midland Funding, LLC since XX/XX/2019 until now ( XX/XX/2019 ) without any written notice or warning from Midland Funding, LLC. I Literally found out my wages are being garnished by accident after contacting my job 's payroll department on XX/XX/2019. My employer did not even inform me that my wages were being garnished for 2 months, until I contacted them because I receive my pay via direct deposit with no pay stubs mailed to me ( I need to go online for my pay stubs ). They are garnishing my wages {$74.00} weekly since XX/XX/2019. 

I read online that if a debt collection company does not inform the person they are collecting the debt from, that is illegal and violates the Fair Debt Collection Practices ACT. 
Please help me regarding this matter. I am finally struggling already and just started my new job a few months ago? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: FL

Complaint narrative:
Started the Streamline ( IRRRL ) VA Loan Refinance Process on XXXX with Veterans United Home Loans. Received an initial loan estimate and then we provided documents the company required. As time went on we kept getting new Loan Estimates which kept increasing the amount we would be financing. When we questioned why the costs of processing the loan kept increasing we were never given an honest answer and all the companies reps said " We are trying very hard to find the lowest cost for you ''. The initial loan estimate was for {$180000.00} and the most recent loan estimate we received was for {$180000.00}. {$180000.00} is {$10000.00} more than what we owe on our mortgage which is {$170000.00} and this would take at least 10 years to recoup which then makes no sense to refinance when one has to pay these extremely high closing costs. This {$10000.00} amount is more than we paid when we purchased the home which makes no sense. So when we talked to several other VA Authorized Mortgage lenders they all said we should only pay from {$4500.00} to {$5000.00} in total closing costs and no where near the {$10000.00} that Veterans United Home Loans wanted. So we pulled our application with Veterans Home Loans due to the apparent fraudulent behavior they begin exhibiting after more than 40 days of the closing process. We have submitted the Loan Estimate documents we received over this 40 day period of time from Veterans United Home Loans showing how each time the amount to be financed kept increasing for absolutely no reason. We also paid for a Full Appraisal out of our pocket and then found out only an Outside ( Drive by ) appraisal was done and we said we needed to be reimbursed the difference since an outside appraisal is less costly than a full appraisal and were told repeatedly they would look into it but we never got a reimbursement for the difference or explanation whatsoever. We will use another company to do the streamline refinance and hope our complaint helps other Vets so they are not Ripped Off by unscrupulous lenders.

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 2019-09-05 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: Kansas Counselors, Inc.
State: KS

Complaint narrative:
The accounts mentioned aren't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank refused to push an update with the accurate balance to my credit report after paying down the card {$8000.00}

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