vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
My grandmother is a cosigner for my student loans through Navient, which was bought from XXXX. Navient/XXXX led my grandmother to believe that she would be taken off my student loans as a co-signer due to my XXXX which accrued after signing for these loans. We have a copy of a letter dated XX/XX/2013 sent from XXXX on the procedure of how to be removed from the student loans. 

She received a letter dated XX/XX/2013 stating that she was not eligible to be taken off the student loans because she was a CO-SIGNER. When she spoke with XXXX/Navient in XX/XX/2013 to see what they could do for her situation, Navient told her they were not discussing the loan with her, even though she is the CO-SIGNER. 

She filed bankruptcy in XX/XX/2013 due to financial hardship and discussed this with XXXX/Navient representative in XX/XX/2013. Having these loans is a big financial hardship for her. Additionally, she accrued extra medical expenses to have the doctor fill the form out that XXXX/Navient requested. If requested, we have the Attending Physician 's statement. 

This is causing her a lot of XXXX between family. We have done all that was requested of us to satisfy XXXX/Navient, She should not be punished because they decided to change their policies midstream which it took XXXX/Navient 4 months after I sent in the paperwork to send me a denial. She was told she could be removed back in XXXX and she expects that to happen. When did these policies change before or after my submission of documents? I hope you can help me attain that goal. Please let me know if you need any additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to get XXXX and Experian to remove this item Now for over a year ... ... ... they keep verifying this as real and i keep requesting Validation which they refuse to give ... ... .from the information i do get it 's not my name ... ..it 's not my address ... ..and they refuse to verify Social security # ... ..i have sent letter after letter after letter ... ... ..finally XXXX sent me a letter stating they did n't have the file with the documentation to support this debt ... ... .but still nothing from the credit bureau 's even though i sent that to them as proof ... ... .i even tried to call the credit bureau 's ... they were extremely rude ... .they told me what their policy is ... when i tried to explain that their policy is not compliant with the law they said they would re-open an investigation but then nothing ever comes of it and they just move on with it on my report ..they had XXXX different social security # 's on my credit file XXXX of which did not belong to me ... .I had to ask them to remove them even though i sent them a copy of my Social security card they left them there ... .... attached please find not only the XXXX documentation backing up what i am saying they verify it but when i ask them to show me ... ..they say they ca n't cause they do n't have the doc 's to support it it 's like this never ending circle back and forth ... ..i even tried to get the credit bureau 's to bring XXXX on the phone and verify it with me ... ..XXXX refused to come to the Phone unless i would sign some waiver and the credit bureau 's let that slide but when i told them that i was recording the call one agent hung up on me and the other 2 agents said they do not give me permission ... ... ..but they had to record me even though i refuse to give them permission ... ... it just never ends with them ... ... XXXX has already removed it doue to unverifiable and the company they XXXX says they sold it to XXXX has already removed it from all XXXX credit bureau 's with a very nice letter stating they it was unverifiable and ceased trying to collect ... ... Help please ... ... they refuse to

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 2017-03-24 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I saw some charges on my Discover credit card statement that I had never noticed previously ( I having been carrying a balance pretty much since I opened the card, but have n't actively used the card in a very long time since I wanted to pay it down ). Apparently they have been charging me monthly for something called Payment Protection Plan that I do not believe I ever signed up for. I called Discover to request they provide some kind of information on how exactly I signed up for this service and they refused to provide any additional information. The " best '' they could do is cancel the protection from my account and refund six months of charges that they were posting to my account. I looked this issue up online and apparently this has been a big deal for quite some time, and a lot of people have been getting charged without actually signing up for this service. I am quite unhappy that they are able to charge my account for something that I did not sign up for! They told me that I signed up for this " service '' back in 2011, so that is a lot of payments that I have been making without consenting to this program. I was guided to this site through this web page full of similar complaints : XXXX. It seems that the monthly payment averaged out around XXXX dollars, per month, for almost 5 years ( ~ {$960.00} dollars )! I know I should have paid more attention but I never noticed that single line item when I actually used the card, and have just been making payments on my balance ever since, not making new purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
We stopped to pay our mortgage since XXXX. I could n't work for a year because my XXXX babies came, so I quit to take care them. Months later my husband lost his job and we struggled with everything. By XXXX Penny Mac offered us and program for 9 moths that we can pay XXXX dollars per moths, but finally by XXXX I called them and I told that we were ready to pay our full monthly payment ( XXXX ). Then, they told us we need to start a Modification program and need to qualified, because I requested that wherever we owned we will lie to be transferred to the end of our balance. However, by XXXX this process starts and we could n't make payments because " we were on the process to modification '' even if we talked them we can pay our full monthly payment like we used to do before we got in this situation. My the middle of XXXX we recieved a lawyer letter saying we will be sue for whwerere we own, few days after we got papers for the same lawyer from Pend Mac that we need to go to court. We have been trying to get in contact with them so someone can explain us why we need to go to court if first, we are waiting for the modification, we want to pay just we do n't have the balance money ( XXXX ). we want to start to pay our regular payment. 
Plus they said we need to pay for their lawyers expenses. we do n't get a call for them and we want to reach them we just hear " wait '' we are working on your modification. I hope it get clearly soon__ thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED GUARANTY CORPORATION
State: WI

Complaint narrative:
United Guaranty XXXX XXXX XXXX of North Carolina, has come after me for a property that was foreclosed on in XXXX. The original loan was with XXXX XXXX as Account # XXXX and is currently listed on my credit reports as foreclosed. XXXX XXXX indicated the property was foreclosed on XXXX/XXXX/XXXX and after they sold the property the transferred my account to United Guaranty. I had NEVER received anything from United Guaranty and do n't know why I would owe them anything since the house was foreclosed on, the property was redeemed, I received a cancel debt XXXX to report as income in XXXX. They have now transferred the written off, cancel debt to another malicious collection agency called XXXX XXXX XXXX. This company has now redated the debt, added thousands of $ of interest and put on my credit report account stating that I owe them {$43000.00}. United Guaranty/ XXXX XXXX XXXX and XXXX XXXX has the same debt listed on my credit report! Different Dates, different amounts and different companies that I supposedly owe. My complaint is that they are willfully and maliciously reporting false information to my credit report. ( XXXX ) companies have the SAME information reporting on my credit report and according to FDCPA 807. False or misleading representations- these companies United Guaranty XXXX XXXX XXXX and XXXX XXXX XXXX are clearly violating my rights. I am requesting that because they violated my rights and addition I believe my loan may have been apart of the sham kick-back scheme XXXX : XXXX ). 

I am desperately seeking your the help of the Consumer Financial Protection Bureau to get this information deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
I recently found out about a default judgment from Zions Bank from back in XX/XX/XXXX. This came out after I applied for a mortgage. My wife and I do not recall being served. I was ill during this time, and was diagnosed with a XXXX. I am XXXX. I looked into the service of process. It was allegedly served in in XX/XX/XXXX. The service was returned by XXXX in XXXX, Arizona. The owner of the company is XXXX. Zions Bank attorney XXXX is the person who asked for the service. I found out this XXXX was dissolved by the XXXX for not complying with Arizona State Law. This makes the service of process void. I believe that Zions Bank was aware of these facts and had this illegal company serving fake documents and then obtaining default judgments. I will attach documentation to this effect Please forward this to the Federal Trade Commission. How many other unsuspecting people did this happen to. Maybe some type of class action lawsuit is appropriate. Zions Bank is ultimately responsible as the lawyer and process server worked for them. I am also going to contact the Arizona media, and see if Channel 3 will do some type of investigation.

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 2017-02-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello CFPB, Paypal permanently limited my account out of nowhere over XXXX months ago claiming my account was high risk and falsely claiming I operate a MSB. On XX/XX/2016 they limited me for the first time after my first week of using Paypal to sell. I explained to them what I was doing and eventually they said I was clear to keep going and on XX/XX/2016 they restored my account. 

Fast forward to XX/XX/2016, the Paypal compliance department emails me saying my account is to high risk. They also claim the exact same thing I got permission to keep selling from a Paypal employee when I got unlimited in XXXX 2016 was not allowed. I originally submitted my business model to them when they first limited me in XXXX and they cleared me to keep going, a Paypal agent personally told me on the phone on XX/XX/2016 that what I was using Paypal for was allowed. Regarding them saying my account is high risk, out of over XXXX people I had transactions with on Paypal XXXX only XXXX people ended up disputing a payment with me. XXXX of the cases were cancelled by the buyers who filed the disputes before Paypal even had to make a ruling after I contacted the buyers myself and got the situation sorted, the third case was originally a loss but I appealed it afterwards showing the ID verification I got from the customer and the logs on their account proving it was an authorized transaction and ended up winning that case, and the last and only transaction I actually lost out of over $ XXXX volume I did on Paypal in the span of 7 months was for {$5.00}, and the buyer who filed the dispute on me also filed disputes on over XXXX other people, it was a blatant scammer who stole from multiple people including me. The reason for my near flawless record is because I have a KYC policy and verified every customer that I had on Paypal, I even offered to send Paypal compliance department all of these records but they just responded with their default appeal declined email. 

It is now XX/XX/XXXX and Paypal compliance department and Paypal themselves continuously maintain that I am permanently limited from Paypal forever. The worse part of all of this is that I had over {$720.00} in my account when I got limited in XX/XX/XXXX, and they refuse to let me withdraw the funds until after half a year! Nearly got kicked out of my apartment because this company is careless and has complete disregard for their actions, just go ahead and seize {$720.00} from me out of nowhere and hold it for half a year, thanks Paypal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I canceled my service with my TV provider correctly in early XXXX. That company charged me in error for another month of service on XXXX/XXXX/XXXX. I contacted the company to complain, and when I did not initially receive an adequate response, I contacted Capital One to initiate a dispute. Capital One credited my account XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my TV provider also provided a credit. This essentially left me underpaid to that company for my final payment and they sent me billing information. 

On XXXX/XXXX/XXXX, I used a credit card with a different company to pay the TV provider in full. 

On XXXX/XXXX/XXXX, Capital One reconciled statements and realized I had received XXXX credits for the XXXX payment. They added another transaction for the payment to forward to the TV provider. Because the balance owed had been with the TV provider and because it was settled using a different financial institution, Capital One did not need to charge me again. The company did so and then refused to offset the transaction stating that they do not have an option to remove the charge. As a result, Capital One has cost me {$100.00} that they did not provide a service for ( paying the final payment for my TV provider ). The company has refused to make me whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I fully paid for a flight using points earned via my Citi Prestige card which was delayed by over 5 hours. The benefit of the card states that " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay. '' Additionally, the benefit states that " This benefit covers [ Lodging, meals ... ], as long as they are reasonable and necessary for the Covered Traveler to incur during the delay. '' The claim center admitted that my claim was legitimate, as evidenced by the attached e-mail stating that a portion of the claimed amount was legitimate. However, in speaking with them over the phone, two parts of my claim were denied, which were legitimate. The first was a tip on a meal eaten while delayed in XXXX. The meal was reimbursed, but not the tip. However, in our society, tips are de facto necessary, since if no one tipped, the wait staff would be paid under minimum wage, which is illegal. Therefore, paying tip on the meal was necessary and reasonable during our delay, and should therefore be covered by the trip delay coverage ( The receipt of this meal is attached ). Second, we had a reserved hotel for the night of XX/XX/2016 on XXXX, which requires a water ferry and a taxi from the airport to reach. As a result of the delay, we were unable to reach the hotel in time and had to forfeit our hotel for the first night, which carried a cost of over {$500.00} ( initial reservation and cancellation receipt attached ). This expense was necessarily incurred as a direct result of our delay, and reserving a roof over one 's head is a reasonable expense, and should therefore be covered by the trip delay protection as written.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
In XXXX I attempted multiple times to make a payment on my student loans in order to pay off the interest before the grace period came to an end and the interest would be capitalized. I had many problems making the payments and would receive notification that my transaction would be completed within 2 buisiness days. 3 or more days later, without any notification, that the transaction had been cancelled. It had even disappeared from my Nelnet website accounts history. I attmeped to make the payment again, as this is a time senstive subject matter, as well as sent an email asking for help in Nelnets online cutomer service. The transaction was once again cancelled with no notification and deleted from my history, no email, nothing. After waiting two weeks, more than the alloted time that was said that they would respond to me ( 2-5 business days ), I still received no response from Nelnet. I logged into my account and attemped the payment again and sent another email via their customer service link, while logged into my account ( in this case I am clearly identifiable ) and the same events took place. No returned emails, no contact whatsover, and a mysteriously cancelled payment that once again did not appear on their website. This is extremely deceptive as it is in Nelnets favor to ignore my attempted payments, as they could charge a fee for a late payment or in my case they could have benefited from captalized interest. Thankfully after many days and numerous attempts I was able to make a successful payment before the end of my grace period but I am still extremely concerned as it has now been 3 months and I have not received any type of response from Nelnet. I know that my email address is correct on my account as I still receive automated emails from Nelnet about my statements but this is an urgent issue that could cost me and others money from deceptive tactics, especially young adults like myself who are just starting out in terms of banking and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Last month I tried to withdraw {$100.00} from my account and the machine ate my money, I contacted the atm company to get my money back, they gave me letter show that the transaction I made for XXXX dollars they never received it and told me to contact my bank about it, I contacted my bank and told them what happened with me and what happened when I contacted the other party, the chase customer representatives told me to send the document I have over the fax and he gave me a claim number. I have sent them the document I had over the fax with the claim number that the bank representative gave me, then he told me to wait 10 days for the investigation, after ten days I received a call from my bank they told me that their finished their investigation but they ca n't give me my money, I asked them for the reason, they said, you need to get your money from the other party, I told them I have already tried to do that ten days ago and I could n't, they said we 're sorry we can not give it back to you.. NOW WHAT SHOULD I DO TO GET MY MONEY BACK!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
in XXXX I was diagnosed with a rare XXXX at XXXX years old. It has left me unable to work for the past 5 years, and I have needed to undergo various intense medical procedures in order to battle back the XXXX, i.e. XXXX and XXXX treatment. At the time of diagnosis I contacted Navient in order to come up with a manageable pay back plan, or forgiveness of the loan in case I die from my XXXX I want my co-signers to be released. There are no options for some one in my position other than to do interest only payments, or keep paying off the loan balance. My cosigners ( my parents ) are responsible for paying back the balance in full if I pass away from XXXX. I give half of my income every month to Navient because I do n't know any other way to make this loan go away. However, my income is roughly {$800.00} a month from XXXX, so loosing {$400.00} every month to a student loan payment is pretty discouraging when there 's no end to my illness in sight and I still owe over the amount I borrowed to attend college. I had been assured at the time I took out the loans from XXXX that interest would not be added to the balance as long as I remained enrolled in school, but that was not true. The company added interest even while I remained full time enrolled in college from XXXX to XXXX when I graduated. I ask the company bi-annually if they have created any options for a loan holder in my position and they have not. My loan balance is roughly {$64000.00} at this time, paid down from {$72000.00}. I originally borrowed {$62000.00} to pay for college tuition.

Company response to consumer: Closed with explanation