vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I took out student loans with XXXX, now navient back when i was in college in XX/XX/XXXX and XX/XX/XXXX each loan was for XXXX and XXXX respectively. every month since i have graduated in XX/XX/XXXX i have paid above and beyond what they have asked, at least XX/XX/XXXX a month. yet the loans never go down. interests is added DAILY. now ten years later of paying XXXX every month my student loans are totaled to owe XXXX..how is this fair? how does this even make sense?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
To Whom it may concern, I have a student loan under Navient, and these last few years, the payments are extremely high, I am not working at the moment and not able to afford the UNPAID interest. I am very concerned with this, because my loan started at XXXX and now is up to XXXX- plus. My loan is in Forbearance, a long time now, and I cant afford to pay this crazy amount. I think its very unfair, please someone look into this matter, before my credit is DESTROYED!!!! I contacted Navient to discuss this matter, and no help was offered, they just want MONEY!!!!! they do n't care about anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I was supposed to have income based repayment because I lost my job, but suddenly I started getting default statements. I put all of my loans into consolidation with XXXX and while they were in the process of consolidation Navient pulled XXXX of my largest loans and placed it into " recovery ''. Now all of my other loans have been sold to the DOE and I 'm being harassed by collection companies for the one loan Navient took.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I received a XXXX XXXX Tuition Answer student loan in XX/XX/XXXX or XX/XX/XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made XXXX payments of XXXX. One of those XXXX payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2017 I was at Chase bank located at XXXX, XXXX, CA XXXX. I put my Paycheck for XXXX in ATM machine and the machine ate my check, never putting it in my account or giving my a receipt. The machine then turned off and I was unable to retrieve my check. I immediately informed the manager and they advised me I needed to make a claim # XXXX.During the next month and a half they continued to add numerous fees, lie to me on the phone stating the claim was settled. They were incompetent and rude at the XXXX and XXXX. I have lost many hours of work and stressed out trying to resolve this issue. Then once again I filed a claim on XX/XX/2017, claim # XXXX for a returned brand new cellphone. They issued the refund then took it back. So today during the week of XX/XX/XXXX I was advised that they could not find my paycheck from initial claim # XXXX so they took the money back out of my account which had me minus below and then once again numerous fees incurred. I am so unhappy with this customer service. I am occurring fees everyday and they refuse to let me close the account. This is two months later. They said they could not find the check fromthe company that retrieves the checks from the machine. I know that the checks are taken out at least once a week. So thenit was stolen or lost by Chase employee. 
I want my account closed with zero balance! If it is not closed by XX/XX/XXXX I am taking matters higher up to the media. I have family members working at numerous entities whom I already told. 
I have also been so stressed it is causing me to see my XXXX Many times which are all documented. Please help me close this account and resolve this issue before I seek aggressive legal action. I do n't want this hanging over my head any longer. My account # is XXXX. XXXX XXXX thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I made an ATN DEPOSIT inside a Chase. Bank to a Chase account. I made the deposit in denominations of XXXX seconds, tens, fives, and was credit with only the twentys but XXXX of the tens and fives. The shortage of {$620.00} was reported to the Manager who called Customer Service. I was told that the credit would appear in 2 to 3 business days. I was making the deposit to cover a XXXX charge of {$1500.00}. I deposited another {$620.00} in my other chase account and electronically transferred it. The problem started when CS made the decision that the money was deposited into the wrong account although there was almost 2 hours between the ATM not recording my deposit and the second deposit to balance my account. I explained this to the young lady in XXXX plus her Supervisor who could not tell me when the machine was calibrated or checked for error. I was told by the Manager at the branch that the Technician had not serviced the machine. The CS person kept asking me why did I make the same deposit on that day. I was covering a XXXX payment. This situation has been going on for 3 months with no third party verification of checking the ATM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have been having issues regarding my prepaid card that came from XXXX. 
When I was originally given this as a gift ( the receipt was thrown away ) from a relative on XX/XX/2017, I have never had this problem when it comes to accessing the website. 
I went to XXXX ( where the card is from ) and signed up and registered my card as followed their instructions. Since then, however, I can not access the website at all ( logging in or making a new account ). 
You log in to check your card information on the website by using the 16 digit card number on the front and then confirm the security code on the back in order to successfully log in. 
When I tried this again after registering, however, I got the error : " We are unable to process this request. Please call the phone number on the back of your card for additional assistance. '' So I have called them ( three times ), and each time no success. According to the customer service, I still have money in my balance ( {$50.00} ) and I am registered, but can not login whatsoever and they did not understand why. My recent call told me that they could not do anything to fix my situation unless I requested to " escalate the situation '' with their " offline team '' ( which they did not give me their contact information because they said they can not due to regulations ). 
This is a huge problem because I can not use my card whatsoever or the funds for purchasing. Even though it is registered, I can not use my card for anything because of what I believed was a " login '' issue but it could be fraud/scam or possibly something of that nature. 
I have had this problem for over two weeks and multiple calls to no avail. I wanted to file this complaint because of this issue that prevents the usage of my card that may be a much more serious issue but I do not know because I am getting little to no information from them that could help.

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 2015-04-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: TN

Complaint narrative:
Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
My granddaughter XXXX XXXX is XXXX in college with XXXX scholarship in XXXX, Ar. Her home is in XXXX, Ar. approximately XXXX miles from XXXX. 
She injured her XXXX and someone suggested she go to trainer ( XXXX XXXX ) for XXXX. XXXX XXXX works at XXXX XXXX in XXXX Ar. I authorized XXXX to use my Discover card ( XXXX ) as payment for one month of XXXX, consisting of XXXX XXXX secessions for total of {$300.00}. 
XXXX met with XXXX XXXX and agreed on a XXXX month treatment program of XXXX XXXX. XXXX was asked to sign an electronic pad. XXXX never received any copy of the contract they placed her signature on. She attended the XXXX XXXX as agreed and then never went back. 
After 3 months I noticed the monthly charge of {$300.00} & {$21.00} on card statement. I called XXXX and she said she did n't know what charges were for because she had completed her agreement and had not been back. 
I called the XXXX XXXX office and after a discussion requested a copy of contract. I ask them to stop charging the membership, and they stated that there would be a cancellation fee of {$200.00}. They stated that XXXX signed a contract for 12 months and not 1 month. XXXX stated that she would never waste my money by signing a one year contract, knowing that she would only be in XXXX during school and home in XXXX the rest of the year. 
On XXXX XXXX I called Discover and requested a block payments from XXXX XXXX XXXX XXXX ( the owner of XXXX XXXX in XXXX, AR. ). I then called XXXX XXXX. He agreed that XXXX only received XXXX treatments. He said they would refund the other charges and remove her form their data base. A few days later XXXX forwarded an email from XXXX stating that there would be no return of unauthorized charges. 
Enclosed are copies of disputes and block charges with Discover and email from XXXX XXXX, and copy of contract that XXXX name was placed on without her knowledge or consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XX/XX/XXXX my balance at Discover Student Loans was roughly $ XXXX. Since then I have paid about $ XXXX in total payments ; $ XXXX towards interest and $ XXXX to principal. XX/XX/XXXX my pay off balance is roughly $ XXXX, not sure how $ XXXX of payments resulted in only $ XXXX reduction of the total balance. I have taken every action to help me lower all expenses and maximize my income, but still struggle to pay the min. monthly payment of {$850.00}. Other loan servicers like XXXX XXXX and XXXX have helped me lower my interest to help me with my overall balance. XXXX XXXX provided rate reduction programs which brought my interest from 11 % to 3-4 %, but Discover claims they are legally obligated to not change the terms on my loans? As an XXXX-XXXX yr old I was told after 24 payments I could have my co-signer released from my loans, but now Discover is claiming after 24 months I can " apply '' to have my co-signer released. I continued to do my best to not default on these loans, because I was hoping I could have my co-signer released from this loan so that when I went to a 3rd party for consolidation we would get approved. In efforts to not default I have had to put a lot of expenses on credit cards. Doing this has caused my credit score to drop because of high utilization rates ; this hinders me from being approved for loan consolidations. I have applied for consolidation through various different banks and credit unions ( before high revolving credit issue ) but was turned down because " loan amount is too close to principal amount. '' How I am supposed to go to a 3rd party, as Discover is so willing to suggest, if I wo n't get approved? My co-signer makes about $ XXXX a yr and with this original Discover Student Loans balance on their credit it is unlikely we get approved for another $ XXXX loan. I need help in understanding how Discover is allocating my payments? At this rate I do not feel as if my loans will be paid off in the term. I would like Discover to help me reduce interest rates for a short time to help me lower principal so I can qualify for a 3rd party loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : CFPB XXXX XXXX XXXX, OH XXXX XXXX RE : Equifax To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Equifax credit report, which is inaccurate. 

Specifically, the item is for a medical bill ( allegedly ) without any other information including the servicing/collecting party. I have no knowledge of any medical bill taking place in XXXX ( where I have never lived ). I have no knowledge of this alleged bill. I believe this is a mistake in reporting. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Equifax report showing the derogatory item. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX the state of XXXX filed a tax lien against me. This lien has been reflecting on my Equifax and XXXX credit reports for the past several years. 

I am an XXXX, between XX/XX/XXXX and XX/XX/XXXX I was XXXX in XXXX. During that time I had moved to XXXX different residences due to work. I did not receive notice of delinquent taxes during my XXXX in that state. Nor did I receive notification of delinquent taxes after moving to XXXX on XXXX in XX/XX/XXXX. 

At this point I do not have tax documentation from XX/XX/XXXX through XX/XX/XXXX and will gladly pay the debt to satisfy the issue as it is unnecessarily damaging my credit. 

I never received proper notification of the debt, and am writing to kindly request the tax lien be withdrawn, and I be allowed the opportunity to pay the debt. In addition I ask that Equifax, and XXXX remove that negative information from my credit report. 

I have contacted the XXXX State Department of Assessments & Taxation in an attempt to remedy the issue however was not successful. 

Tax lien information : Case/Docket # XXXX Court : Circuit Court for XXXX County Court Address : XXXX, XXXX XXXX Thank you in advance for any support you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was attempting to move into an assisted living property because, I am a XXXX. I contacted the the phone company so that the phone service would be working by the time I moved. Unfortunately, after a few months of renovating so that my XXXX would fit the landlord decided to rent to someone with the family who was able to pay a higher rental payment per month. I let the phone company know in time before had to vacate the premises and payed the last month of service after canceling. It was simply an accident that I ended up finding out after all this time I was charged an extra month. I 'm being charged for service I never received. I would appreciate your assistance in any way possible with this matter. Thank you and XXXX bless you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
i started making payment to XXXX and all of a sudden they switched me to navient in which it seems my loans has increased

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I am the consigned on my daughter 's XXXX notes serviced by Navient. XXXX loan had a principal amount of $ XXXX and the second note of {$4000.00}. The notes now state the principal amounts are ~ $ XXXX and ~ $ XXXX. My daughter has been paying interest only on these notes for 11 years. She was constantly encourage to defer her loans. An income based repayment plan was never offered. My daughter and her husband are on their XXXX child. In XX/XX/XXXX, Navient increased their payment by twice the amount. My daughter 's attempts to refinance this note have been ignored and at one point a rep told her they would just get the money from me - my credit cards had plenty of room as she could see it right there in my credit report. My daughter just gave birth to her XXXX child who has a XXXX which requires XXXX. Her other XXXX children are XXXX and under. Her husband is the sole support for the family. After numerous calls with Navient and letters I called them as I had a letter that a settlement was possible- first the rep denied that was what the letter said. I offered a much lesser amount stating the funds were coming out of a small retirement account. The rep finally said she was authorized to settle for $ XXXX. When I replied this was beyond my means and could she do better after a long argument, she transferred me to a supervisor. The supervisor said she knew nothing of my call before I was transferred and proceeddd to bully me about my daughter 's note. I continued to state I wanted to find a way to settle the note that my daughter could not repay it and I could not afford to pay another bill. The tactics used are nothing short of bullying, then they roll to empathy and back to bullying. This representative told me Navient would never settle and that I could pay {$5000.00} to get my name off the loan. Forty five minutes later and exhausted I just excused myself to get back to work. The rep left me with a threatening remark about forwarding me to collections. Navient is now calling my work number at least once a week. They call my cell phone daily and they send letters in envelopes with no return address. My daughter suffers the same harassment and they are now even calling her mother-in-law. My complaint is that my daughter was n't informed on the impact of deferring her loan. They 've refused to work with her on an income based plan. While I accept responsibility for signing the loans I would expect after 12 years and all the interest already collected, Navient would make an effort to refinance this note instead of using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX Bank of America Visa reissued my card because of localized fraud problem not involving my card. They sent me a notice and then a new card. The old card was good until XX/XX/XXXX. On XX/XX/XXXX we made a payment of {$4000.00} on our balance as we do each month - the minimum payment would have been {$87.00}. That payment was never credited to our account. On XX/XX/XXXX I attempted to use the card and it was rejected. I called them and they said I had made no payment in XX/XX/XXXX. Then next day I checked the transaction we used to make that payment through XXXX Bill Pay. XXXX recorded that they received our request to make the payment on XX/XX/XXXX and recorded a trace number from BofA indicating receipt of the {$4000.00} on the prior Card number. I gave this information to BofA, they said that it would take 10 days to verify but to activate my I could pay them another {$87.00} to activate my card in 24 hours otherwise I needed to wait 10 days to use my card. This is extortion and very bad customer service. I activated my new card on XX/XX/XXXX as best I can remember. I lost the ability to access money and was embarrassed because my card was restricted for no reason. I lost the ability to use the card for 10 days while they researched the issue or had to pay {$87.00} to activate the card. They should have researched and changed this immediately and reversed all service charges. I 'm still waiting on the result of their research. Info from XXXX bill pay system : Biller ID XXXX, Payee name : Bank of America, Payee account number : XXXX, Payment amount : {$4000.00}, File transmission date : 1XX/XX/XXXX XXXX EST, Payment effective date XX/XX/XXXX, Trace number 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 monetary relief