vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am writing to you to file a complaint against Navient the servicer of my student loans that are federal XXXX loans. One of the loan names is the Federal Perkins loan my college let me know that this loan would be forgiven. I applied for forgiveness after working @ 2 different hospitals both are non profit and qualify to have the loans forgiven since I work 48 hours every week greater than the 30 hours per week required. I sent in all required papers and I never received explanation as to why the my XXXX loans were never forgiven. I also have called them on several occasions and they have never helped me to get these loans forgiven. I started to investigate I have paid into my loans on an income based repayment plan with a monthly payment of XXXX since XX/XX/2013 for a total of {$34000.00} original federal loans were for {$50000.00}. The amount I still owe is {$42000.00}. I called them this morning and since my loans have been consolidated they told my I have to pay on an income based repayment for a total of 10 years for a grand total of {$68000.00} before I can even apply for forgiveness of my student loans. I feel used though I chose the XXXX field because I love helping people and now I feel discouraged with no recourse or help for me. I have again called them to have them send me the papers for the income repayment plan recertification the woman told me she would email me the forms but all I received was " thanks for the call now sign up for eDelivery. I have never received to this date why the loans were not forgiven since then I also called the college that I attended with no real recourse. I hope that you can help with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
My father passed, I'm the son and I'm living in the home. I have submitted financials and request for modification with Select port Folio. The mortgage company is unwilling to work with me. I don't want to loose my home to foreclosure. Please help me to modify the mortgage. Please postpone pending property foreclosure sale pending the modification request being processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Several attempts were made to clear alleged late payment history on loan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
This is a follow-up to a previous complaint about this company. 

They have continued to call our business line looking for someone else. They have the wrong number. 

We filed a complaint with the CFPB in late XX/XX/2018. Transworld Systems ( TSI ) replied saying they removed our number from their systems on XX/XX/2018 and have no intent to communicate with us further. 

However, they clearly have not kept to their word. They continue to call us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i am a current card user and my account has been locked by XXXX XXXX. i am unable to make any purchase due to Loss prevention locking my card and asking for proof of id. they require a me to fax my drivers license, social security card, a utility bill and, proof of income. I have worked with them to provide all information i could but no one will assist and my card continues to have a block on it i am unsure why the block has been placed on my card as i have had the card since XX/XX/2018 and made purchases and payments on the card. XXXX XXXX customer service has stated they will not close my account but will lock the account so i can not use it for as long as they want. ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened 2 store credit cards that were issued to me by XXXX XXXX. One was opened on XX/XX/XXXX and the other was opened on XX/XX/XXXX. My credit limit was lowered 2 times. I started with a credit limit of {$800.00}. It went down to {$670.00} in XX/XX/XXXX and again to {$510.00} in XX/XX/XXXX. I telephoned the bank to inquire why they were lowering my limit. They told me that every few months they check my credit report. According to them I had serious delinquencies on my report that was reported by XXXX. I pulled my credit report from XXXX. It shows that I made two 30 day late payments in XXXX & XXXX of XXXX. XXXX XXXX then closed my account on XXXX of XXXX again for serious delinquencies that were being reported by XXXX. I telephoned the collections office again to inquire why they closed my account. The other store card that they issued to me was also being lowered and then canceled on XX/XX/XXXX. I was 30 days late on 1 payment on XX/XX/XXXX. When I asked why they issued me the cards in the first place, they could not answer that question. My credit score has been going up every month so I could not understand why they would cancel me. Also, the cards were issued to me AFTER I filed chapter XXXX bankruptcy which occurred in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back a few day later and paid the bill. I was then assessed a 'late payment fee '. I complained about the fee after I had paid it. I told CapitalOne about the web site error and the refunded the late fee. I told them to remove the late payment from my payment history. They keep saying they refunded the late payment fee because of the server problem. I have demanded that they remove any record of a late payment in XX/XX/2018 and they say they can't do it. I want it removed immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
on XX/XX/2018, Chase sent me a notice that they decide to close my CSR account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the  date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
My minimum payments for all of my Navient student loans are set up to make it impossible for me to ever pay these loans back. 

Looking over my balances, I have several loans with a balance of {$1800.00} to {$2500.00} dollars and the payments are slated to end in XX/XX/XXXX. I graduated in XX/XX/XXXX. I should be able to easily pay these off, HOWEVER my minimum payment to Navient each month is {$950.00}. If I applied that minimum payment to one loan at a time I'd have 3 paid off in 6 months -- which would lower my monthly payment by {$100.00} A MONTH and save me a couple thousand dollars. 

I pay on time. I make XXXX a year with my sad degree. Unfortunately if I play by the rules I won't be able to own a home or afford my own car payment until I am XXXX anyway. So I'm taking matters into my own hands and taking the hit to my credit. I'm going to take my minimum payment and apply it to ONE loan. This will save me {$600.00} on that one loan and 7 more years of making $ XXXX   monthly payments on that loan to Navient. 

Attached you will see how many individual minimum payments I make monthly to Navient, 6 years after receiving my degree. 

My minimum payment due for the past 4 years has varied from {$850.00} to {$970.00} a month. I am not a doctor. I have a XXXX XXXX Degree. My father works for the XXXX XXXX XXXX and as he should, claimed me all throughout my college years. The amount of money the government believed my father of XXXX children should have had saved for me to get an education is absolutely ridiculous. I came out of school with over $ 80K in debt. This was career crippling. I couldn't move away to an area where I'd make more money. My monthly student loan bill was almost the size of my parents mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BONDED ADJUSTMENT COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX I received a call from Bonded Adjustment Co. while I was driving. The lady told me she was a debt collector trying to settle a medical debt from the end of XX/XX/XXXX. I told her it was in dispute with the insurance company, and that I would be disputing it through the state insurance commissioners office. I also requested that she send me a letter in the mail, as I couldn't write anything down. I told her either way it would get paid. I didn't receive a letter from Bonded Adjustment Co. Fast forward to XX/XX/XXXX, I was notified by my credit monitoring service that a derogatory account had been opened in my name. The next day I called Bonded Adjustment Co to find out how to settle the debt, they said to pay online using my account number that was on a letter. I told them that I didn't get a letter, she huffed and said she would look it up, gave me the number and the amount owing. I went online the same day to pay it, and continue to try and get resolve from the State insurance commissioners office. 

Bonded Adjustment Co in-consistent procedure in taking on a new debt client, by not sending out a debt collection letter has cost me being declined for credit twice, and will inhibit me from getting new contracts for business therefore limiting my families income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
XXXX/XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Companies involved : Chase corporate headquarters and XXXX XXXX. 

Complaint : XXXX XXXX reported a fraud to chase bank and the police department. This fraud eligibly started with a breach in an email correspondence between a vendor and us. The buyer received the products that were ordered from the vendor and we used the same email we have been corresponding with the vendor and requested bank information. A hacker intercepted the email preventing the true business/vendor from receiving the email asking for bank information. Thus, the hacker provided, what we did not know was personal bank details. An ACH payment of {$7500.00} was made on XX/XX/XXXX and addressed to a business name, XXXX, with the bank account information provided from the email. However, the account number was to a XXXX personal account, not the business we addressed it to. The ACH should not have gone through as the name did not match the name on the receiving ends account. For an ACH payment to go through, all information must match and in this case the information did not match. 
After speaking with several associates form JP Morgan Chase, no one was willing to assist us with this matter. We were told we should contact the bank the money was sent to. So, we contacted XXXX, informed of the situation, and that we have a police report regarding this issue. XXXX told us that this matter must be settled between the banks and they are not permitted to assist us because we do not have an account with them. We then contacted chase corporate office who informed us they would do their best to assist. We never received a follow-up call, as we were told we would. When we called to request an update on this issue, we were transferred five times and were on the phone for 1.5hrs. Finally, we were transferred to the correct department and the woman gave us the same answer as all the other people we spoke with, I will speak to the claims department and will get back with you. We have yet to be informed of a solution. This has been an on-going process for over a month and we still have yet to have the funds returned. 

XX/XX/XXXX I tried calling XXXX from corporate for an update, but only got her voice mail. I then called Chase branch on XXXX XXXX XXXX and spoke to XXXX who said he would speak with his branch manager XXXX, to see if there is anything he could do. 

On XX/XX/XXXX XXXX spoke to XXXX from Chase corporate who informed me that she could not locate a reference number on this case, but she would create one ( XXXX ) and escalate this case to claims/fraud. 

XX/XX/XXXX XXXX XXXX transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who then transferred me to XXXX . All this within an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Management Recovery Corp. (NMRC)
State: OR

Complaint narrative:
I have gotten several calls from particular number with automated voicemail. Call back and it has voice message of XXXX XXXX and someone else everytime. Couldn't find any info when looking up number. Just got call from a new number and voicemail was left from XXXX XXXX saying to call back. Looked this new number up and people said it was from law offices of XXXX XXXX or National Management Recovery Corp as both have same address. I check mail everyday and I have NOT received anything in mail from either place as far as I'm aware so have no idea what it's for. I'm pretty sure that is required for people collecting debt is to send written letters in mail stating what the debt is, how much etc. The number they call is my only number but I don't answer calls that I don't know or don't know what they are for and in this case after finding out who they are I'm not going to answer and talk to someone about supposedly a debt that I have no written proof they have and have no idea what it is for. Have called several different times now. Don't want them to start calling other people that I don't live with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Missed 1 payment in XX/XX/2018, daily calls multiple times still continued even after payments are being made. Most calls ignored/sent to VM during business hours, but some were answered and each time I said to stop calling my number. The calls persisted until I called them up and complained, when I was laughed at and threatened with repossession for only missing the 1 payment.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax stated they removed this account and it is still listed XXXX XXXX XXXX # XXXX This item is past the statute and this company can not validate the XXXX. I have been fighting with them as I never had an account with XXXX XXXX ever

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
on XX/XX/2018, Chase sent me a notice that they decide to close my CF account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: MI

Complaint narrative:
Nelnet is reporting accounts open. The accounts are actually closed, and because they are open can not buy a home or the loans are used against my available income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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