vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!

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 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
two wire transfers were done yesterday and neither one is in my coinbase account yet Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID :  XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00} Pending ACH Debit ORIG CO NAME : COINBASE.COM/BTC CO ENTRY XXXX SEC : WEB IND ID : XXXX ORIG ID:XXXX Link to more information in a new browser window. {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IA

Complaint narrative:
Nelnet and XXXX have garnished my wages even though I submitted multiple complaints with CFPB and Department of Education. I properly filed my forbearance request and provided detailed documentation to the service provider Nelnet. I also filed a complaint with Department of Education on XXXX XXXX, 2015 related to numerous internal and CFPB complaints with Nelnet and XXXX. As a consumer, student-loan borrowers have a right to set their monthly loan payments as a share of income. It 's known as " income-driven '' repayment and is touted by the Education Department as a way to keep those borrowers out of default. Nelnet made it difficult for me to arrange any type income-based payment and continued to steer me only into forbearance arrangements and eventually turned into costly payment instead of affordable long-term repayment options that were more beneficial to Nelnet. Nelnet failed to disclose their annual deadline to renew or obscured its renewal notice and recently is the center of a lawsuit filed in U.S. District Court. Nelnet quickly defaulted the loans and inserted a 3rd party collection company to garnish my wages even after a cease and desist complaint was sent due to an open complaint with both the CFPB and Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: AES/PHEAA
State: PA

Complaint narrative:
After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim, his information was used to apply for several credit cards without his consent. Those application resulted in fraudulent inquiries, disputed were sent to those creditors to have those inquires removed however Chase has not removed the inquiry. A recent letter was received by Chase confirming an account ; the account was never in dispute, the fraudulent Chase inquiry was. Chase is now in violation of the FCRA by reporting and verifying fraudulent credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage company utilizing champion mortgage as its servicer. Upon my mother 's XXXX I attempted to utilize the short pay process to buy the home. I am the son and administrator of the estate. During the course of the short pay process the mortgage companies proceeded with a foreclosure action and in violation of federal laws and mandates prohibiting the same, applied for and obtained a judgment of foreclosure and sale date which has been extended to X/XX/17. While I have attempted to pay off the balance of the mortgage the companies refuse to set forth any detail of the amount owed. They are charging thousands of dollars for a homeowners insurance policy without my knowledge and concern and during which time I always had such a policy in full force and effect. They are also charging many hundreds of dollars for interest on the insurance policies and for property taxes ( not otherwise owed, either ) because it was paid. THEY ARE STEALING MY HOME AND THE FEDERAL GOVERNMENT MUST IMMEDIATELY STEP IN AND STOP THEIR ACTIONS. ONLY AFTER THEIR OBTAINING A JUDGMENT OF FORECLOSURE AGAINST ME AND PUT THE PROPERTY UP FOR SALE DID THEY DENY MY SHORT SALE PROCESS OR " LOSS MITIGATION PACKAGE ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: YES AUTO CREDIT
State: OK

Complaint narrative:
i applied for a XXXX XXXX XXXX in XXXX of XXXX and it is now XX/XX/XXXX i put XXXX down on a down payment i have never received a title each time the tag has came up to the expiration date i had to go to the car dealership and recontract every single time and the loan still did not go through and now he is wanting me to put XXXX more to the down payment which was XXXX dollars months ago due to my XXXX XXXX being lower from the first time we ran it he keeps having me recontract so now i gave the car back and asked for my down payment back and his response was i can not give you your down payment back because you have been using the car since you got it which does n't make sense because it was not my fault it was theirs..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I took a lease through American Honda Finance. Account #: XXXX. The lease was paid in full, and the vehicle was returned.  I leased another vehicle through Honda immediately.  I subsequently received an invoice for a turn-in fee, which they charge when you do not lease another Honda. I called them immediately and told them that I had leased a new vehicle. They asked for me to send a copy of the new lease. The finance guy at XXXX XXXX was helpful, and faxed it to AHF immediately.  I received another notice a few weeks after that stating that the turn-in fee was due. I called again - there were a number of calls back and forth. The finance manager at XXXX  XXXX sent the fax another two times, and I called AHF to let them know. I then received a notice about a month later stating that the amount is overdue. I called them got the name of the case manager in charge of my account, and had my Finance guy email them a copy of the lease. He cc'd me on the email. The first fax was on XX/XX/XXXX, and the last email he sent was on XX/XX/XXXX.  They said that as soon as the paperwork was processed, they would remove the turn-in fee as it is not due if I lease another vehicle. In the interim, I was making many calls to American Honda Finance, Honda, and speaking to many people to resolve this and was assured that if I had leased a new vehicle it would be removed from my account.  I finally reached someone on XX/XX/XXXX, who I insisted wait on the phone until he could confirm he could see the email. He acknowledged the email and said that the turn-in fee would be removed (this was erroneously charged, and should never have been put on my account int he first pace).  American Honda Finance reported to the credit reporting agencies that my account was delinquent around the XX/XX/XXXX, causing my credit score to drop almost 100  points. I request that American Honda Finance contact the credit reporting agencies to state that it was reported in error.  There is no reason I should have to suffer from their errors in charges, and record-keeping, and I believe their operation is negligent and suspicious in their charges.  Everyone at American Honda Finance has been insufferably rude and determined to be unhelpful, so I have not had any help from them. Nor Have I had any help from Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.

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 2017-08-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I noted in my personal back account that there was an unauthorized charge for XXXX from XXXX that I never signed up for. I initially called XXXX and they said I needed to call my bank for refund but were otherwise not helpful. I then noted that over the last year, starting XX/XX/XXXX there were a total of 7 charges of XXXX with varied XXXX accounts at varied dates (no pattern or specific day of the month) that I was charged = approx $100 total. I called Chase (my bank) to explain and they called XXXX with me on the call to get more information. Per the XXXX representative, my identity was stolen and this account was set up in XXXX (I have never been nor do I know anyone there) and since it was "such high level hacking" there was nothing that they could do. Chase than also said that all they could do was get me a new debit card and refund 1 change for XXXX only (which of note has not yet been done even though they mailed me a letter which I am happy to provide). As you can tell I have several issues both with XXXX for their inability to help in anyway and with Chase for their inability to assist with my hacked account beyond sending a new debit card. Please also note that the conversation with XXXX and chase was recorded by Chase so they should have this on record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
For each monthly payment, a {$10.00} fee is assessed supposedly for processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
RE : PORTFOLIO RECOVERY / XXXX XXXX XXXX XXXX Acct : XXXX Dear Sir or Madam : I am continually being called on the telephone and have received letters concerning a debt that is not mine. I requested that CEASE and DESIST in their efforts to collect on the above referenced account. I am a victim of Identity theft, therefore the account is not mine. But Portfolio continues to call and harass me. I request that the CFPB demand that Portfolio CEASE and DESIST ALL collection activities. According to the practices and standards of the FTC FCRA and the FDPA. Portfolio has NOT verified this debt, which according to the FCRA is : You will see by the attached credit reports where there is NO XXXX XXXX XXXX  account. Portfolio claims to have documents proving this is my account, yet none of the documents had the following information that is required by FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.

Complaint narrative:
Navient illegally cheated by forging fake ‘missed payments’, to avoid putting my account in deferment. Since XX/XX/XXXX, school enrollment certificates after School enrollment certificates were sent repeatedly to Navient, to request deferment. In the last minute, Navient forged over 15 “missed payments” for the purpose of evading its deferment responsibility and to increase accruing-interest from 4% to nearly 10%. Over the past few weeks, Navient increased my loan from $40000 to nearly $80000 with 15 fake “missed payments” and 10% interest rate. Nearly $5000 were paid to Navient. The payments have no effect on lowering the loan. After I complained last week, now Navient said 1 missed payment.So Navient can say that it is not eligible for deferment. It was zero missed payment two weeks ago (XX/XX/XXXX).  Anyway, this loan was supposed to be in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I maintained a savings account for my son's college money at Bank of America from XX/XX/XXXX to XX/XX/XXXX. I opened it as a Balance Rewards Money Market account with no monthly charge, which was why I selected that type of account. Over the years I used it to pay my son's college tuition and other expenses. On XX/XX/XXXX there was XXXX in the account and no monthly charge. The following month Bank of America changed the account to a Money Market Savings account without notifying me, and began to charge a XXXX fee every month after that. I continued to use the account, assuming there was no service fee until XX/XX/XXXX, when I discovered the fee and closed the account. During these two years I used the account sporadically to transfer money online to my son, never seeing any notice of a service fee. (At this point I can't remember if I received statements in the mail, by email, or not at all. After I discovered the service fee in XX/XX/XXXX, I asked for a paper copy of each statement from XX/XX/XXXX to XX/XX/XXXX, which I now have.)When I complained to the Bank about changing the account to a different one without informing me, they refunded 6 months of service fees (XXXX), but refused to refund the remaining 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