vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have made 140+ consecutive, on-time payments ( since XX/XX/XXXX ) to  Navient. My problem is two-fold. One, after $ 45,000+ paid toward the 3 % loan I have only cut out {$20000.00} off total bill. On average my principal only accounts for 30 % of money paid. Payment is ~ $ 300 monthly yet only ~ {$100.00} makes its way to principal. I believe Navient has not handle my account correctly and has cost me time and many thousands of dollars. 

Two, my goal for the last 5 years has been to make it to 10 years of payments so I could apply for the Student Loan Forgiveness Program ( I have 13 years in same XXXX XXXX XXXX ) only to find out after 6 months of paperwork and phone calls to XXXX  XXXX XXXX that my loan ( never explained at any point that I would be unable to acquire SLFP ) does not qualify ( I was given FFEL loan ). I have made {$45000.00} in payments, 140+ consecutive, on-time payments and was told I would have to consolidate to XXXX XXXX XXXX, make at least another 10 years of payments, and then reapply. If government was serious about helping underpaid, student loan burdened XXXX  I am the perfect candidate to make this right with. I have another {$80000.00} in daughters Parent Plus loan that I will start paying back in the next couple months. I am unable to pay both loans, and still have XXXX more children to put through college. You assistance is greatly desired and  needed. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I reached out to I C System INC. in regards to a collection they have placed on my credit report for a XXXX XXXX debt. That debt was settled with the previous collection agency ( XXXX XXXX ) whom owned that debt at the time.I spoke with XXXX XXXX w/ I C System INC. and explained that in XX/XX/XXXX that debt was settled and considered paid in full and was to be removed from my credit report in which it was and this needs to be removed from my credit report and closed. He stated that I needed to take this matter up with XXXX XXXX   because if I settled with them it would not have been placed for collection now so I must have defaulted on my agreement. I explained I did not and this needs to be removed but he stated there was nothing he could do.

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 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
We called Wells Fargo to do a foreign currency exchange. During the call we were told there would be a {$7.00} charge if we did the exchange on  line. When we got home from the bank with the currency we ordered we realized that the bank had taken about 10 % off the exchange rate in addition to the {$7.00} fee. At no time were we told there would be an exchange rate conversion fee or what that amount would be. I understand that this is a small amount but believe this to be a trick for them to take money from unsuspecting consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wire transfers in the amount of {$4100.00} was wired by Wells Fargo Bank to XXXX XXXX XXXX on behalf of a known fraudster known as XXXX XXXX XXXX XXXX XXXX. These wires were made between XX/XX/XXXX to XX/XX/XXXX. Several attempts were made by me between XX/XX/XXXX through XX/XX/XXXX to recover the funds directly from XXXX XXXX XXXX. On XX/XX/XXXX I requested a wire recall directly from Wells Fargo, no satisfaction has been made to date. 

A complaint by me has also been filed through your organization against XXXX XXXX XXXX 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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I lost my job in XX/XX/XXXX, I was able to make my payments through XX/XX/XXXX but due to the lack of funds I could not make the {$380.00} pmt in XX/XX/XXXX. I called Navient multiple times to see how I could lower my payment as I had no income coming in. The representative I spoke to directed me into a forbearance for several months until I could get back on my feet. I just spoke to a representative today, XX/XX/XXXX and she said that since I did not have a months worth of paychecks to renew my IDR I had two options : let my account go past due or go into a forbearance again. Since XX/XX/XXXX my principle loan balance has gone up due to the accrued interest being capitalized when my loans were in the forbearance. I feel cheated and misinformed here. When I went into the forbearance I was not made clear that interest is still being accrued and the interest would be tacked on to my principle balance. I have been paying consistently for years and instead of my loans decreasing they have gone up an additional {$2000.00} since XX/XX/XXXX. I feel cheated and disgusted that a company of this size can do this to people without informing them. I am currently in an IDR plan and finally found employment. I still have yet to be paid and when calling into Navient they steered me again into a forbearance due to me not being able to provide a months worth of pay stubs. However this time, they had a recording informing me of the accrued interest being capitalized while in a forbearance. Again, the representative only gave me two options to choose from. This was the first time for me understanding this and these companies are failing the hard working people who have student loans. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I scheduled payments of {$1200.00} and {$1200.00} respectively, to cover my XX/XX/XXXX mortgage payment. Without any attempt to contact me beforehand, my mortgage company mailed the XX/XX/XXXX payment back to me using snail mail with a letter stating that they were unable to accept the payment because they considered it a partial payment. By the time that I received the letter and XX/XX/XXXX check in the mail, and was informed of this policy, I had already scheduled my XX/XX/XXXX, payment and when I looked at my account, that payment was showing up in a suspended status. I contacted the mortgage company immediately and was encouraged by a supervisor ( XXXX ) that if I scheduled the payment again it would post in time to merge with the now pending suspended XX/XX/XXXX payment and result in a full payment being posted to my account. In response, I promptly re-scheduled the payment of XXXX. However, when I called back the next week for an update, I was informed that instead of merging the funds, as the supervisor had stated would occur, the XX/XX/XXXX check had now been sent to me using snail mail again and the new payment was now pending. At that time, I was encouraged by another representative to reschedule the payment in order to have them merge. This cycle has now occurred a total of three times. Each time, I have been encouraged by a customer service representative or supervisor assisting me, that when the other payment is received it can be merged with the suspended payment and credited to my account. Yet, instead of this happening as promised, my mortgage company is sending the pending payment back to me. To date now because of this, my XX/XX/XXXX payment has not been credited despite multiple efforts. Further, in spite of multiple assurances by multiple supervisors and representatives to override this automated process, nothing is being done on their end to remedy the situation and I am apparently being left completely at the hands of a failing automated process. As of today XX/XX/XXXX, I have been told by yet another supervisor that I will need to try again. I feel as if the mortgage company is forcing me into default on my mortgage payment which has never been late and I need real assistance in getting this issue resolved before XX/XX/XXXX when my payment will be considered late and in default. Please help me.

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 2018-04-20 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: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I was denied a loan on XX/XX/XXXX and when I asked for information as to why, I was told that a CRA by the name of XXXX was reporting a Repossession on myself and my wife from XX/XX/XXXX. I have contacted this company many times with no response, but I was relentless with requests for copies of reports, demands for removal of inaccurate information, notices of disputes, threats of civil suit and finally yesterday, I was sent the response below, and advised that : [ quote ] " Hi Please find an attached file containing your report as we have on file under XXXX. Please note that we will contact MBFS to verify the commercial credit reported for : Obligor : Address : XXXX, MS XXXX Phone : Tax ID # : XXXX Once we receive their findings, we will notify you. As noted previously, we can not suppress this data unless directed to do so by the reporting commercial lender, MBFS. Please do not contact us again, we will notify you if any changes are made. 

XXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX '' They are erroneously reporting an occurrence that has passed the reportable time allowed by the FCRA, FDCP, and many other laws. 

They reported to my lender that my wife was a co-borrower on this loan, yet refuse to provide any valid proof of such ( there is none ) I contacted ( XXXX, [ XXXX ] ) MBFS said they " have no such account, nor are they reporting any such account '' yet this item has shown up for many years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Well known how XXXX  and clumsy equifax is!!!  Now these derelicts are fraudulently reporting garbage that is criminally negligent and malignant!!!  I have NO new accounts anywhere!! Nobody has the authority to self-create there own sloppy collections at my expense!!!  ALL this negative garbage already in my credit reports. This is tortuous stupidity trying to scam my credit report with duplicated garbage!!!  PLUS, equifaxs criminal incompetence has not cleaned up there blundering XXXX. I don't care how many generic collections agencies anyone hires to harass me. They are not allowed to fraudulently sefl-create a new idiotic account duplicates what is already existing. I told you people twice now, these clowns at XXXX and now defunct equifax have malignantly created a new phony collections ( same) debt already reported 3 years ago.  These vile derelicts at XXXX XXXX  have NOT contacted me, instead lied cheated and manipulated an old debt. Imbeciles at these mis-managed credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
On or about XX/XX/XXXX I received a letter from XXXX that they received a negative finding from a company called EARLY WARNING, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. This notice stated I could receive a free copy of this report by going to https://consumerservices.earlywarning.comI downloaded the form, filled it out and faxed it in on XX/XX/XXXX.I received this report on XX/XX/XXXX as an attachment to my personal email at XXXX.This report contained every type of identity information known to mankind, specifically Routing numbers and account numbers of banking information, most notably my current XXXX account, and specifically EVERY transaction taking place in my XXXX Account.On XX/XX/XXXX I met with the Assistant Branch Manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  DE T: XXXX and showed her this report.  She stated that she was NOT aware that Early Warning was reporting detailed transaction information on my XXXX Checking account.  She escalated this to its corporate office in XXXX  PA. I received an email from a XXXX XXXX RE: Case# XXXX and her direct line is XXXX.  Because of some medical appointments I was unable to contact her as of the date of this complaint.  Yesterday, XX/XX/XXXX, I spoke to Attorney XXXX XXXX XXXX of XXXX as a telephone consultation. Based on the information I sent him he recommended I contact the Delaware State Attorney General at my earliest convenience.I do believe this is a blatant violation of privacy on both parts of this EARLY WARNING company as well as XXXX as I believe XXXX is releasing this information to EARLY WARNING without my permission and EARLY WARNING is providing it to any company who will pay for the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX, I received a letter from American Express that advised that they had made the decision to close my credit card account ( ending XXXX ). The reason for closure was because they had received " new '' information related to my account that was grounds for termination. Keep in mind, I have had this account for four ( 4 ) years at a line of {$1000.00}. For the past 12-18 months or longer there has been no charges on the account, I have never been late with the payment. There have been no disputes or chargebacks on the account either. When I pressed the agent, she kept saying there was new information that caused them to make this decision. I advised that they review credit scores on a monthly file most likely and I admit my score has dipped, but keep in mind, lets assume that happened in XX/XX/XXXX, the decline would have occurred, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and yet no call, not notice and no changes to the account. Again, there is no balance. The steps that AMEX took were a cost measure, because I am not transacting. So rather than talk to me about that, they decide to take action that has disparate impact to me. You close my account and therefore, hurt me because it further impacts my score negatively by closing by creditor. This decision was made by some program or actuary without thought of the impact top the consumer all because I am not transacting ... not due to something I have done. After my call, they promised to review the decision. As I suspected, this was a lie because I received a letter two days later further clarifying it was my fico that was the key issue. Which is interesting because again, as I stated the FICO was most likely declining or declined since XX/XX/XXXX. What is there risk? If I close the account, they are owed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I received letters from this company about my debt. I called and tried to settle. After they denied my settlement requests I paid in full. My credit report continues to have this reported and I continue to receive phone calls from this company requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I closed my Capital One credit account due to the company 's unwillingness to help me with a dispute I have with an online retailer. 
After the account was closed, the online retailer credited to the closed credit card account as follows : XX/XX/XXXX {$160.00}, XX/XX/XXXX {$29.00}. To get a refund, I had to send a letter, dated XX/XX/XXXX to Capital One. I advised them we no longer had a " relationship '' and to refund the money to me. In addition, I asked them to pay ME late fees and interest IF they could not make payment within 30 days of receiving it. They sent me a check for {$190.00}, dated XX/XX/XXXX. I did not receive it until XX/XX/XXXX. They were late paying me, for I am entitled to interest at 16.7 % as well as late fee of {$35.00}. Total due me is {$37.00}. If I had paid them late, I would have gotten a {$35.00} charge, and if I did not pay my monthly balance in full, the interest rate on the account was 16.71 %. I should be given the same terms when they fail to pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
New American funding is lax in their ability to process.. I signed all th loan docs and wired money ,over 200000 grand . We were supposed to close XX/XX/XXXX then it changed to XX/XX/XXXX .The lender is saying that they want proof the the money is mine. .......I was robbed of my identity on Sunday ,XX/XX/XXXX so I had to change all my financial accounts.. I wired the money from my new account same bank. And they say its not my money. But THEY HAVE MY MONEY !!!!!! The sellers want to cancel because of the decrepancies of the lender ,XXXX XXXX,and her processor from XXXX XXXX.they are giving until XXXX  today. The lender did not act on this proof of funds being mine until XXXX XXXX on the day of closing,Thursday, after I signed the papers and wired the money.  They had since Monday. I have done everything they have asked for immediately. Even did not go to work in order to do so I may lose the house and my money is in limbo. Its  negligence and lack of ability to do their job which has caused much grief emotional,and financial hardship on all myself and the sellers and the realtors .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: AL

Complaint narrative:
XXXX XXXX has violated x 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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote and contacted Sears and Citibank serveral times. My account was at a zero balance. Citibank chose to close my account when I filed for bankruptcy. Sears and Citibank was not part of the bankruptcy and it should not be reflected on the credit report as discharged by bankruptcy because I never owe Sears or Citibank any money. My account with them was in good standing. General Account InfoAccount NameSEARS/CBNAAccount NumberXXXXAccount TypeCredit cardResponsibilityIndividualDate OpenedXXXXStatusDischarged through XXXX XXXX XXXXStatus UpdatedXX/XX/XXXXBalance -Balance Updated -Recent Payment Amount -Monthly Payment $0Credit Limit $6,000Highest Balance XXXXTerms NAOn Record UntilAug 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