vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: ND

Complaint narrative:
I previously attempted to contact Navient the servicer of my student loans in reference to a tax return that was taken to offset the balance owed on the loan accounts ( 3 total loans ) when attempting to obtain information the company refuses to communicate with me via electronic mail indicating that I must call them, however I do not have access to phone service to do so. Navient has taken funds from my tax return in the amount of roughly {$1300.00} at the time when the amount due on the three accounts was roughly {$700.00}. I have not received any dispersement of funds from my tax return and furthermore, Navient has not posted this payment to my accounts. The letter recieved from the IRS clearly indicates that this is a payment and an over payment of debt was not authorized. Navient refuses to communicate any account information to me, will not refurnish statements for correct reporting and has been previously notified of a billing error two weeks ago. Per federal guidelines, validation and verification debt including the correct amount owed must be validated within 30 days of the original notification of an error. In addition failure to do so is a violation of my consumer rights under the FAir Credit Reporting Act and is a direct violation of the lender under the Truth in Lending Act. I have since without any assistance from the lender was forced and coerced into deferment status on my loans without any assistance or explanation because I could not clearly understand my options for resolution and the representative assisting via email would not discuss my options only over phone even after telling them I did not have access to a phone. I feel additionally discriminated against because I no longer have a phone service and do not have access to one. Additionally my loan agreement does not require a phone contact nor does federal regulations and law require that a lender only do business via telephone. As required by law, Navient must also be able to furnish the same account information and assistance via mail through the postal service or similar mail carrier. I have since updated my contact information to reflect the correct address, despite being contacted via mail previously to the correct address prior to this incident, so that Navient can respond via mail a hand written response answering all of the concerns listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have noticed and taken record of the principal amount on my loan being increased by {$2.00} a day. At first I thought maybe this is some type of reverse interest charge. With my payment not due until the ninth of the month. On the fourth of the month I paid {$20.00} towards my loan as an experiment to see what they do with my payment. I let two days pass and checked my balance due. My balance due I Had only decreased by {$13.00}. So are they charging me interest at both ends? Or is what theyre doing illegal? I will include screenshots as proof to my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX I opened a Capitol One Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have some issues of delinquencies on my credit report that I would like to have verified in writing from CHASE. 

CHASE CARD XXXX XXXX XXXX XXXX, DE XXXX The following dates of delinquency were reported : XX/XX/XXXX : 30 days XX/XX/XXXX : 60 days XX/XX/XXXX : 90 days XX/XX/XXXX : 120 days XX/XX/XXXX : 120 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is requiring exposure to identity theft in order to have the security freeze temporarily lifted. I tried to get the security freeze temporarily lifted in order to apply for a new credit card. After providing ALL of the information requested over Experian automated system ( including my social security number and Experian Pin number ) the automated system said that in order to have the freeze removed I would need to send them, via US Mail, my social security number, date of birth, proof of address such as a utility bill. It is absurd to request that people put this information in the US Mail, which is unsecure. It seems that Experians intent is to increase the risk of identity theft. This is probably to mask the breaches in Experians security system. In the event of identity theft ( due to breaches in Experians security system ) Experian would be able to point to the reckless behavior of putting this sensitive information in the US mail. I could not get to speak to an actual person at Experian. So I am in the situation of have no credit report unless I recklessly put myself in danger of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
We Have a Mortgage with LoanCare and they are refusing to pay my property taxes with our escrow account. It was due in XXXX of 2018  and it is XXXX and the taxes still have not been paid. We have attempted to contact them multiple times and every time we get the same answer, they would escalate it and get it resolved. It still hasn't been resolved. They did the same thing to us last year and this year we are facing court for unpaid property taxes.

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 2019-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Well I sent over a copy of my ID, bank statement. The company said I was approved for a line of credit of {$350.00}. I talk to one of their representatives and he told me all I had to do is send over a copy of my pay stub. I sent that over and call back again. I talk to another representative and she said it will take 45- 1 hr to see if I was approved. I never received any info from them so I called back 5hrs later and they said I wasnt approved. I asked they why not? They told me because they said they needed a copy of my SS card. Right then I know it was a red flag because I never had to use my SS card for any loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I submitted a Mortgage Modification to Freedom Mortgage in XX/XX/XXXX-XX/XX/XXXX ( Can't remember specific date ). During that time I also was working with a realtor to sell my home instead of it going into foreclosure. I called Freedom mortgage to advise of my house being on the market to sell and continued to keep them informed on the process. In XX/XX/XXXX I called Freedom mortgage again to advise them that I had a buyer and due to close at the end of XX/XX/XXXX and the agreed selling price was XXXX which would've paid off my loan of {$10000.00} in additional to the {$45000.00} I was behind. The title company had been working on the closing since XX/XX/XXXX and paperwork was finished as of XX/XX/XXXX. We were now set to close in the beginning of XX/XX/XXXX in which I again advised Freedom Mortgage. In the interim I received a letter from Freedom Mortgage dated XX/XX/XXXX and dated XX/XX/XXXX by the post office. The letter stated the review of my hardship assistance was completed but unfortunately they were unable to approve the request due to insufficient time to review. The Foreclosure date was XX/XX/XXXX. 
Again, I kept Freedom Mortgage in the know of the whole selling process. Due to the foreclosure I lost a gain of {$40000.00} and now the Foreclosure is on my credit. I continued to keep Freedom Mortgage in the loop at all times during the sale process. I want to be compensated and the Foreclosure taken off of my credit report.

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 2019-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax enclosed are documents that XXXX is false and misleading you in a fraudulent account against me there real name is XXXX and I disputed this a few years back and { you removed it from my credit report } 15U.S.1692e this is why they refuse to disclose any documentation, not even XXXX of Texas nor the alleged hospital enclosed CFPB documents showing my case. All three have been contacted through the CFPB and not one will show documents as evidence JUST like a few years back there is no documents proof of service nothing. I know you state that it is not reporting but it shows on XXXX XXXX your site if it's removed then this is for your information of there fraud, if it's still on my report then please remove it as you did before, lack of evidence, No documentation, refusal of response to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
Congress Collection has reported to my credit that i have unpaid. as soon as i received a letter from them only stating they were attempting to collect a debt, i submitted that to my attorney who stated they needed to provide documentation within 30 days. over 90 have gone by and i have not received anything from congress collection. no phone calls or letters. i requested proof of validation and by them not submitting it within 30 days and then reporting me to my credit bureau is a violation of the law. this has damaged my credit score at a time i can not have it damaged. i need immediate assistance in the matter as i am attempting to get a mortgage and with this illegal reporting affecting my score i am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
XXXX I opened a XXXX XXXX Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I contacted all three major credit bureaus because I am a victim of Identity theft. I included 3-police reports, and ID Theft affidavit as well as information regarding the accounts. XXXX  and XXXX  updated my accounts and removed XXXX XXXX XXXX XXXX from my report. Equifax refused to do so and said the account has been investigated, dispute XXXX. On XX/XX/XXXX, I send another letter via fax requesting information for how the matter was investigated, who did they speak too per the FCRA. As of now they are in violation of the FCRA 168i and I would like to start the process of getting information for my lawsuit against the company. They responded back to me via email saying the dispute has been resolved. I have attached my other credit files showing the information has been deleted. I am requesting the name of the individuals they verified this information as well as their address and phone number so that I can follow up. XXXX XXXX XXXX for {$4700.00} is a fraudulent account and a XXXX  XXXX Representative XXXX XXXX, ID XXXX stated to me that they have corrected this information with the Credit bureaus and Equfax is refusing to update their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HomePlus Corporation
State: TX

Complaint narrative:
I am a first time home buyer that began shopping around for a home mortgage loan. I made contact with XXXX XXXX of HomePlus Mortgage. On XX/XX/2019 XXXX XXXX had me sign documents that required me to provide a credit card for a {$500.00} appraisal and sign an intent to proceed despite not receiving a loan estimate. The document 's wording was as such : " By signing below, I/we express intent to continue with the application for which a Loan Estimate was issued on ________. '' No date was given because I had not received a loan estimate. The document for the appraisal fee also contained wording requesting a contact number and best time to contact me to " schedule an appointment. '' I expressed my concern to Mr. XXXX about paying {$500.00} for the appraisal and he advised that I would not be charge until the disclosure. On XX/XX/2019 I received the loan estimate from HomePlus Mortgage. On XX/XX/2019 I advised Mr. XXXX that I would be reviewing the disclosure with my wife. After comparing HomePlus Mortgage 's loan estimate with other mortgage lenders I advised Mr. XXXX on XX/XX/2019 I declined his offer and that I would be working with another loan company. Between XX/XX/XXXX and XX/XX/XXXX I had no conversations with anyone from HomePlus Mortgage indicating that I accepted the loan estimate. On XX/XX/2019 I received a text from Mr. XXXX stating that I gave him fake credit card number and demanding {$500.00} for the appraisal. I indicated to Mr. XXXX that I did not give him a fake credit card number but had cancelled said credit card and that I never accepted the loan estimate HomePlus Mortgage. When asked when he ordered the appraisal Mr. XXXX refused to answer. HomePlus Mortgage continues to demand {$500.00} and threatens to send the matter to a collection agency and/or contact the police for " fraud. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX charged a {$2.00} interest fee in the XXXX statement on debt that was paid in full on XX/XX/XXXX, which is the previous billing cycle. The customer service representative told me that was an attempt to collect, but allowed me to dispute the charge. However, I do not believe that practice is or should be legal. The only reason I notice the charge was that I had no purchases in the following months. I believe this is an obscure fee and it leads to consumers paying interest on debt that was paid in full.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
Hi, My roommates and I were once residents at XXXX XXXX XXXX in XXXX, Ga. When we moved out, yes we left items in the apt , but we thought if anything they'd take it out of our deposit, in which we didn't receive. It was literally in maybe late XXXX, early XXXX, we first received any contact regarding debt collection. If we'd known about the collection, which is in the amount of {$910.00}, we'd handled it accordingly, but in the midst of moving we didn't receive a letter or email regarding any new collections. Since then, we've received countless calls and each time that we negotiate to set up a payment plan, they try to intimidate us by making us pay during the phone call. I've even contacted our previous complex numerous times and can never get into contact with anyone to discuss an arrangement. In short, we'd like for the collections to be dropped or reduced because of the lack of awareness from XXXX XXXX and the debt collection agency. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Suddenly I had 2 collection from XXXX XXXX XXXX now theres 7. I contact them they say theres nothing with my name I received mail from them my address someone elses name and I have lived here for 10 years. I dispute with Equifax 7 times each time exactly 3 days later comes back verified but I dont get any documentation that the debt is mine. I am at my wits end because I know its not my debt and no one helps nor do they send me documentation which is my right!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been trying to manage my credit information that Equifax is holding hostage ever since the breach in 2017. The process is unreasonable and unnecessary. Today, I again attempted to login to Equifax to verify the status of my credit report freeze/lock. Note that I am not able to access my free annual credit report either. I placed a freeze on my account in XX/XX/2017. However, I have not been able to access my account online, and when I attempt to retrieve my password I run into an issue that requires me to phone them directly, despite my providing the verification number they sent to my phone. I have the PIN they provided me at the time I placed the freeze, but without first logging in to my account, I am not prompted to provide it. 

So, I contacted them by phone, and spoke with " XXXX ''. I ran into the same sorts of problems trying to get this resolved over the phone as I did online. At one point XXXX asked me for my full social security number. I chose not to reveal that. They want me to mail them photocopies of my driver 's license or social security card along with other confidential information. I am not comfortable with mailing confidential information of that nature. 

The process is unreasonably burdensome, and I resent having to pay them for their so-called " services '' when the information they are using is MINE, not theirs. They should be paying ME, not the other way around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: TX

Complaint narrative:
My insurance company submitted a claim to the lender Global Lender Services on or before XX/XX/2019 following the date my car was deemed totaled. Myself and agent contacted the lender and we were informed a claim would have to be put in with them as well. As of this date, the lender and the insurance company were in contact. On XX/XX/2019 I was sent an email that stated the claim had been processed and my remaining balance was {$2600.00}. My payments are due the XXXX of every month with a ten day grace period. The week of XX/XX/2019 I contacted the lender to set up a payment plan for the remaining amount. I was informed that I would need to pay {$620.00} a month for the remaining amount and the only other option was to charge it off onto my credit until the balance was paid. I have no late payments and the lender had already received the insurance payout at this time. On XXXX On Friday, XX/XX/2019, I received a statement with a late fee. When I called into the leader I was informed I personally had not made a payment.

Company response to consumer: Closed with explanation