vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
JP Morgan Chase Card Services stopped bills from coming to my home in XXXX of 2016. When I discovered that bills were no longer coming to me, I called Chase Card Services. I was told that the reason they did not contact me was based on a Cease and Desist. When I asked how the Cease and Desist came about, I was told that it was system generated. During this time Chase Card Services reported negative information to the credit bureaus which drove down my credit score and new employment opportunities. I continued to resolve this situation and voluntarily entered a payment plan to eliminate the debt. It was explained to me that after making three payments, the negative information would be removed. Well, this is not what happened, Chase Card Services reneged on this agreement. I continued to make payments under the Payment Plan with {$81.00} was withdrawn from my checking account each month. Lo and behold, Chase Card Services stopped withdrawing the {$8100.00} from my checking account without my knowledge and consent, and reported me to credit bureaus. They reneged on the Payment Plan and violated every consumer act, this is without question Unfair and Deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: SC

Complaint narrative:
I sp ent two d ays preparing documents i faxed and mailed out an agreement form at that time because i needed help. I sent the infirmation again. They claim they couldnt help me. Which was just the opposite of the verbal and written notice. Navient is the name of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I retired from my XXXX job after 26 years due to medical problems ( extreme stress at work ). I got behind in my mortgage payments and tried to catch up, to no avail. Last month ( XX/XX/XXXX ) my mortgage company sent me a letter saying that if I did n't catch up on my payments, they would foreclose on my house. I tried to work with the with XXXX on a loan modification but it was denied. At the recommendation of my mortgage company, I filed an appeal which was denied this past week. Before it was even denied I received one of those packets with pictures of my house and surrounding properties and sale prices of houses like it from the company. In my opinion, my mortgage company never planned on approving my modification or appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: FL

Complaint narrative:
On XXXX XXXX, I received a notice from Pennsylvania Higher Education Assistance Agency also known as FedLoan Servicing, that my account was over 60+ days past due. This was impossible as I have made a payment the same time each month. It was on an autobill pay from my account. When they finally discovered the issue it was determined that they misappropriated my funds to pay a debt that were in a administrative forbearance. As a result they were submitting a ticket to correct the issue, it was now XXXX XXXX, and the issue is not resolved and I am continuing to get notice of a my account being past due. I was contacted by a credit agency regarding this past due amount that was not past due. This is in violation of a multiple consumer debt protection laws. The Pennsylvania Higher Education Assistance Agency response your request is still pending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
This company is currently servicing two of my private student loans. I have contacted them several times by phone and by email for assistance in repaying my loans. The interest rate has continued to go up and has increased four times in the past twelve months. I can no longer afford the payment as it has increased to over {$500.00} a month and they have done nothing to try to help provide me with relief. I have paid on this loan for over three years and every single payment has gone to interest. I believe that their loan practices have resulted in a violation of the UDAAP as the principal balance of the loan has more than doubled and by the time I have paid it off, it will have quadrupled. The only relief they offer is to service members, and I am only a child of a veteran I have not served myself. Therefore, they will do nothing to assist me. I have contacted them over the past four years so that I could get help before it got to the point where I could no longer afford my monthly payment. They are putting young students in debt that they will not be able to afford to pay back and it needs to end before we have another economical crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX filed debt for cell phone that is not mine, sent to collection without any notification to me, Equifax will not respond to three dispute requests, starting 6 months ago. continues to list this debt on my credit report. Was removed by other reporting agency back in XXXX, Equifax removed and then relisted without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have had nothing but trouble with the company called Ocwen Financial I was only 2 months late on my mortgage several years ago paperwork was not being shown they would tell me I did n't send it and I did send it, this went on for years I owed them {$5000.00} and offered to pay it on that day they refused to take it and told me I had to go through a modification the modification was a disaster they would not accept certain paperwork paperwork was not being shown, my credit report was not showing any good payments they sent a sheriff after I was behind only two months and refused to let me pay it, I 've had 3 XXXX XXXX now this place is made me crazy my husband also is ill and lost his job I asked them if I could pay half this month and half next month they refused they said pay it!! added on two additional mortgage payments and told me come up with it. That was their answer, I told them I could not help it I had a XXXX XXXX there was nothing I can do about it please take my payment and let me continue to pay they refused and now again I 'm stuck. please help me I ca n't go through another terrible modification and what they put me through the last time dragging their feet saying I did n't send paperwork they even tried doing it to my attorney, I finally had to get an attorney thank XXXX he was a good man and helped us out they even tried to do it to him, tell him that he was missing a piece of paper and he said no way, and told them to stop messing around now I fell behind because of the XXXX XXXX and my husband being ill and in the hospital, I still can pay the mortgage that 's not a problem but now they want me to pay a large amount and told me to come up with it by the XX/XX/XXXX or they were going to do something about it. I do n't need to have another Sheriff at my door the first one I was only late 2 months, I knew that that was wrong but there was nothing I could do about it I 'm sick I work and I worked and I worked until I broke and that 's what they try to do is break you, even their website has a big red! On their page please help me. They are not being fair to anyone there are many, many complaints, and the lawsuit against them finally I plan on being a part of that I asked them if I could split my mortgage payments into two different payments and they refused so they say they work with you they do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I previously submitted a complaint to CFPB. You assigned it complaint number XXXX. The company responded to the complaint and attached a credit card statement that shows my name with an address that I never occupied. This means that this account was opened using identity theft. Though I requested from the collection agency to obtain a copy of the signed credit application and send it to me, they instead sent you a credit card statement. Yet as you can see, the address on the statement is an unknown address for me and this is why I demand that the collection agency obtains and sends me the copy of the signed credit application for that debt. The collection agency has replied on the documents attached to the first complaint I filed, a letter indicating that If I believe that the account was a result of identity theft, that I must file a police report. I went to my local precinct to file an identity theft, yet when I showed the letter from LVNV funding where it says account opened in 2010,  the officer refused to give me a report because he says he ca n't file a report for something that happened 7 years ago and without evidence such as the signed application which LVNV funding failed to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
in XXXX and XXXX a detail transaction on the history there was found abundance of charges to our account, and until this date the charges remain there and continues to be there and charging late fees for those fees. for three years  XXXX we have not been able to get anyone to fix the problem, they have been called many times and messages have been left with upper management, and they never returned our call. in the escrow account we are being charged double for hazard insurance, and in the misc fees we are being charged late fees. any paper they send from their tax department they are charging {$7.00} a sheet. we got a letter in the mail XXXX XXXX, XXXX that our payment for XXXX XXXX, XXXX was not paid and is past due, in this letter it states we have to pay XXXX by XXXX XXXX, XXXX or they will start foreclosure proceedings and sale of the property for a payment that was made and we have the bank print off that it was taking out of our account. upon talking to several associates at nation star mortgage company we found out that the XXXX XXXX, XXXX payment was being held and no one could tell us why, bank statement showed they held it till the XXXX of XXXX. upon getting this letter there was also a certified letter at the post office, in it inclosed the same letter as before. they are trying to force us to put our property taxes in escrow even though they were sent a court ordered document that they were not allowed to do so. they have been sent this paper twice now and put it in escrow anyway, our papers states they have done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
The last statement I received was datedXX/XX/XXXX from Citi Bank Visa. <P/>I would like to ask the Consumer Financial Protection Bureau to interceded on my behalf. I have been trying to get a final statement from Citi Bank since my wife 's death XX/XX/XXXX. The account was since closed and credit cards were cancelled on that same date. <P/>On XX/XX/XXXX, XXXX XXXX XXXX Hospital, XXXX, Idaho issued a credit of {$3600.00} to XXXX 's account. At no time did Citi Bank acknowledge that the account was closed and the Visa card was cancelled since XX/XX/XXXX. XXXX XXXX XXXX Hospital has contacted Citi Bank and requested the return the funds to no avail. Citi Bank has failed to respond to me of the hospital as of this date.

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 2017-07-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: SC

Complaint narrative:
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage was sold by XXXX XXXX and Select Portfolio Servicing had my loan. From before they had my loan they assessed a late charge in XX/XX/XXXX. Not only did I not pay late but they did not get my loan until XX/XX/XXXX. According to XXXX XXXX 's own loan information my payment was received on the XX/XX/XXXX. And like I said I paid XXXX XXXX as I was supposed to until XX/XX/XXXX. I had to call and have the late fee removed but my question is, why was one assessed on a loan they did not even have yet? Also over thirty thousand dollars was added to my mortgage balance and would appear and disappear throughout the 6 months they had my loan. No one could explain this 34,000.00 dollar plus amount that was added. I was so disturbed about it I started looking to refi my loan. In XX/XX/XXXX yet another set of late fees were charged, when even their own paper work shows my payment was paid on time. I am including copies of bank statements showing that all of the payments cleared my bank on or before the XX/XX/XXXX which was all on time. Payments were not late until the XX/XX/XXXX. This company is so scary. They not only assess late charges on payments that are n't late but added over thirty four thousand dollars to my loan on a whim! I have since refied, paying thousands of dollars and raising my payments XXXX per month just to get away from them. This company should not be allowed to conduct business anymore. If you XXXX the name of this company you will see hundreds and hundreds of complaints. Rated a 1star on many sites.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: PA

Complaint narrative:
I tried to pay off my student loans through Navient. I went through a 3rd party called XXXX and they told me that they would help me pay XXXX $ a month within 5 months to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phillips & Cohen Associates, Ltd.
State: NY

Complaint narrative:
The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation