vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
Within the past couple of years I have had so many issues with the student loan servic e Nelnet. It  all began in   XX/XX/XXXX . My family  had already warned me that I needed to make sure that I filed for a deferment, forbearance, or set up a payment plan because the damage that student loans could do to your credit would be a life changing experience. I began begin contacted via mai l in  XX/XX/XXXX  a bout my loan payments and I quickly went off the information needed for a deferment/forbearance and mailed it back to  Nelnet. I nev er received confirmation that I was approved or denied. The letters stopped and I did n't worry.  In  XX/XX/XXXX  I re ceived a letter informing me th at Nelnet was  reporting me to the credit reporting bureaus because I had passed th e 90-day late payment mar k. I immediate had them to send the form and again and filed it out and faxed it while on the phone and asked why I had n't received any letters regarding the end of the deferment/forbearance. At the time I was informed by the phone representative that she did not have access to that information but with the forbearance the late-payments would be removed within a yea r. Since  XX/XX/XXXX , I  have been told that no such " forgiveness '' exists and I have been told that I was contacted in   XX/XX/XXXX  via  email address that was provided by my schoo l in  XX/XX/XXXX . I  asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just  XXXX  it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc
State: GA

Complaint narrative:
Invoice Date X/XX/17 {$130.00} Collection Firm : Tate & Kirlin Associates, Inc I just received a bill in the mail from Tate & Kirlin Associates, Inc. I have no idea what this is for. I do n't owe anything like this at all. I feel like it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I applied to refinance my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX. I 've purchased two BMW vehicles with XXXX XXXX, my payment history is very good with XXXX XXXX, which they allowed me to not make two months of payments, which will be push to back of car loan, due to my Great Payment History. They denied me the right to refinance the car. I called XXXX XXXX at XXXX on XX/XX/XXXX to inquire of the status of my refinance application, they informed me that I was denied, without reasonable cause. I believe that I 'm being discriminated against, or what you call " Red-lining '' i.e., in the real estate industry, I presume it is the same terminology being illustrated in this situation. The interest I 'm paying on the vehicle is 10.4 %, which is extremely High, I was taking advantage of, when purchasing this vehicle, I hope that the CFPB will assist me with protecting my rights as a consumer. Car Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank You, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
My loan was sold to Navient from XXXX XXXX. I had a brief loss of income several years ago and the loan was sent to XXXX XXXX for collection. My payments are timely and have been for years. XXXX XXXX collects 0.010 % on the loan. They are telling me there are no other interest charges however Navient is still charging interest on my loans so I can not get ahead. I can not communicate with Navient because every time I call in the call is forwarded to XXXX XXXX. Most likely I am eligible for public service loan forgiveness but can not speak to anyone at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I took my husband to get a loan. I ended up cosigning and now that it could not be paid off my credit is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the  XXXX  credit Bureaus, (  XXXX ,  XXXX ,   XXXX    ) I  contac t Capitol one but they  could not trace any information. neither they would able to help me the issue please refer to credit report attach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AL

Complaint narrative:
I was told by  XXXX   XXXX   XXXX   of    XXXX   XXXX   XXXX    that I would have a free appraisal if I used   XXXX   XXXX   for my loan.I later was told by my loan c onsultant  XXXX   XXXX   XXXX  that I will be rguired to pay for my appraisal and if I wanted to be reimbursed by   XXXX   XXXX   it would show up as a credit at closing and I would have to pay a higher interest rate for the loan than t he one lo cked in-these are misleading and deceptive practices and where I come from it is called a lie.this is an unethical loan broker and should be investigated for this other malfeasance.I will be taking this complaint to the government mortgage regulatory agency handling oversight of these companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was alerted that my XXXX acct. had been changed ( name and address ). After logging in I found several pending charges was placed. After calling XXXX and finding out that it was thru XXXX XXXX. I called my bank @ XXXX XXXX to report it. The bank said they canceled any pending charges and my card. I was told by the bank that a fraud report had been placed and since it was an Unauthorised Use it would take 24-48 hrs for the charges to drop off. Call ended On XX/XX/XXXX I  noticed a {$6.00} had not dropped. I called the bank, told them why I called and was directed to the " Fraud Dept. '' ( not like the first call ). After finding out a fraud report was never logged I was n't a happy camper She then made me feel that I was wrong and as she said " I did n't ask the right questions at the end of the call to insure everything was complete ''! She added " IT 'S ONLY {$6.00}! I was XXXX, asked if we were finished, she replied " If YOU do n't have any more questions. I hung up. I called Back on several occasions only to be placed on hold for a LONG time or misdirected my call till I became frustrated enough to Hang up on the USAA Bank Individual.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
they froze my line of 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 non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I originally opened this account with   XXXX   XXXX  , as a maintenance free savings account,  XXXX  was bought out by  XXXX  and the savings account continued. Both the saving and checking account remained under the agreement.     Suntrust bought out  XXXX  years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of  XXXX  dollars per month on or about the  XXXX  of each month from my checking to my savings. This contract and policy has been in place since its inception.     Mysteriously Suntrust started removing  XXXX  dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request.     I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the   XX/XX/XXXX  month of unrequited statement fees but have since started charging me  XXXX  dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I got a tax bill my supplemental property taxes which in California is my responsibility although I was never told this in my  seven years of home ow nership. I have h ad two o ther lenders and in the past have gotten a letter saying I have a tax bill that is not covered or that there is n't enough money in the escrow account etc.. I am given the option to pay it or I can do nothing and they will pay it and my monthly payment will go up. I have not received anything from this company and I did not even receive my tax bill in the mail. I got a bill in the ma il  X/XX/2017  saying my tax bill was delinquent and I had to pay. I also have a {$420.00} fee now. I called the company and  all they said was it is not their responsibility. They said I can send the bill in and they will take it out of my escrow account I told them they should pay the fee but they just repeated it not their responsibility.This company also paid my homeowners insurance late. I had to call my insurance company and talk to them and pay a late fee, so I am really unhappy with their customer service and I do not appreciate them paying my insurance late and my not letting me know about my tax bill and letting me they are not responsible.

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the process of purchasing a new home, I requested from the Mortgage  Lender the A ppraisal Report that I paid for. Th e Loan Specialist on mo re then  three occasio ns and over the recorded phone line stated it was against 'Federal Regulations '', to give me the report I ordered and paid for.   I found an article in the Was hington Post from  XX/XX/XXXX  th at stated a law was put into place to help / protect the consumer and I was entitled to the report. I forwarded the article on   XX/XX/XXXX  to the Lender  and on    XX/XX/XXXX  I was gi ven  that report.   I should n't have to battle with t he Loan Specialist to get what I am entitled too and the fact she kept insisting it was against federal guidelines was incorrect.      Consumers need to be aware of what they are entitled too especially if they are paying for the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been dispu ting  XXXX  inc orrect things on my transunion credit report for months now. These  XXXX  items should be deleted off my report. I received confirmation yesterda y  X/XX/2017  th at these  XXXX  items were finally deleted off my  XXXX  credit report. So it has been confirmed after there investigation that the items were to be deleted however transunion will not allow me onto the website to re-dispute them again and everytime I call transunion I keep getting transferred to different agents. The  XXXX  account is    XXXX   XXXX   XXXX    the  XXXX  account is  XXXX . These  XXXX  accounts are reporting as deragatory and they do not belong on my credit report. I have contacted   XXXX   XXXX   XXXX    cor porate office months ago and it was rectified it was to be deleted. I also contacted  XXXX  and that also has been rectified. I was instructed to re-dispute this information with the credit reporting agency 's and they will respond to have them deleted. Like I mentioned earlier  XXXX  has done so as of yesterday but transunion is still reporting this. Having this incorrect information reporting as negative is affecting my  credit score.   Transunion is not doing a proper investigation or they would be receiving notice from the  XXXX  different creditors to delete off my report. I am fustrated at the fact that I can not get online even with a confirmation number/answering all the security questions etc ... ..then I spend so much time on the phone trying to get to speak to someone to rectify this problem.

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 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My contract wi th   XXXX   XXXX   XXXX    had expired in  XXXX     2016. After my contra ct expired I was billed {$71.00} I asked the  XXXX   XXXX   XXXX  representative was I going to be charged and she stated NO. I 'm not responsible for this debt when my contract has already expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On  XXXX   XXXX ,    2017 I re ceived a letter fro m Citi Customer serv ice informing me of a statement credit of {$100.00} that would appear on my statement within  2 billi ng periods. I still have not received said credit. The credit, according to the letter is a result of an agreement between Citibank NA and certain of its subsidiaries and the Consumer Financial Protection Bureau, to customers who enrolled in Watch-Guard-Preferred.     On   XX/XX/XXXX  I call ed the number on the   X/XX/17  let ter (  XXXX  ). After giving them my information and being put on hold several times I was informed I would need to call another number (  XXXX  ) about this settlement. I called, again providing the same information, again being put on hold numerous times. I was told yet again by the customer service representative that they had no information on the refund that the letter was informing me of. They told me I would need to fax the letter to  XXXX .     O n  XX/XX/XXXX  I tried three time s to fax the letter to the number given to me. Each time the fax did not go through, the error codes said the line was either busy or there was no answer. I visited the FAQs page listed on t he letter ( www.Citi.com/RefundFAQ ) but th at listed the same phone number that was listed on the letter. The number I originally called.     I am  XXXX   years old, and t hink it is outrageous that I would be given the run around like this on a settlement that the CFP B told Citi they were r equired to refund. I am hoping you can help me bring resolution to this issue.

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 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Throughout the time of repayment for my student loans, anytime I had an issue with the size of my payment or was unable to pay. The  XXXX   XXXX  now Navient always advised a forbearance was needed to do in order to keep my loans in good standing. I was late once by 5 days i n   XX/XX/XXXX   due to m  oving from  XXXX  to  XXXX . They have refused to remove that one late payment from my   credit reports. Even though it was due to things out of my contro ls. ( My sp ouse passed away and I had to reloc ate ) Due to the  number of forbearance received s ince  XX/XX/XXXX  -  XX/XX/XXXX , my loan s have accumulated to over $ {$130000.00}. My original loan was from   XX/XX/XXXX  for {$ 33000.00} with  XXXX   XXXX  and my second loan was also     XXXX   XXXX   for {$28000.00}. My student loans went from {$62000.00}  In  XX/XX/XXXX , mont hly payments were {$570.00}, I n  XX/XX/XXXX , {$640.00} In  XX/XX/XXXX , {$800.00 } In   XX/XX/XXXX ,  {$940.00} And in   XX/XX/XXXX to today -  {$970.00} My loan value has never decreased only continued to increase even though I have made payments consistently since my last forbearance. I was unemployed several times during those 6 years, but did make payments even if only interest. In   XX/XX/XXXX , Nav ient suggested I consolidate my loans which would lower my payments. So I did complete the consolidation, which brought my loan amount to {$970.00} per month . In  XX/XX/XXXX  al one, they have capitalized interest in over {$12000.00}. Prior years the interest was roughly {$3000.00} - {$4000.00} total, for exampl e  XX/XX/XXXX interest was {$3600.00} total, was In  XX/XX/XXXX  it also tr ipled to {$120000.00}.     I struggle to make the payment each month, but I do n't want to call and ask for assists as they will say a forbearance is the only option again. They have been exceptionally rude and not interest in discussing my options. I do n't know many people who can make an almost {$1000.00} payment every month with the amount going up each year for the next 20 years. I do not believe my payments were posted correctly. Based on their system, I have my interest added then payments made in 10 years! I pay over {$11000.00} per year and they charge my account with over the total payments each year!!!     Navient has set up my student loans with so many forbearance that I will never be able to pay this off in my lifetime. I was never offered any other options. I tried income based for 1 year and they then told me I needed to consolidate.

Company response to consumer: Closed with explanation