vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: AZ

Complaint narrative:
Sallie Mae continued to contact my wife 's phone number after I specifically asked them to remove the number during a phone call regarding the student loan on XXXX XXXX. I had called them on this date to settle the account and attempt to pay in full. Between the dates of XXXX XXXX to XXXX XXXX, they contacted her at least 27 times, and again on Monday XXXX XXXX, she asked them to stop calling her. The evening of XXXX XXXX, I paid the account in full online and since the harassment has stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
I had applied for a student loan in the past but did not receive the loan. They have it on my credit report as a hard inquiry which is preventing me from getting future loans for my last year of school. I am asking for that to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Earnest Inc.
State: PA

Complaint narrative:
I applied for a student loan re-finance with Earnest. They are advertising a 3.5 % APR as the lowest fixed rate. I earn well into XXXX, have a XXXX XXXX, no other debt other than a 2015 car with a loan of approximately 50 % LTV and a {$1200.00} mortgage, 10+ years of work experience, XXXX XXXX with no late or negative information. They offered me over 5 % as the best APR, which is congruent with the non-fintech market rate. I firmly believe that this company is engaged in false advertising of the 3.5 % APR. The explanation for the credit offering of 5+ % did not hold water, given the aforementioned credit basis. The only resolution that I will accept for this inquiry is a disclosure of what percentage of applicants are being offered the optimal 3.5 % fixed APR. Earnest refused to disclose this information ; I will continue to escalate this through Congressional inquiries if that information is not released.

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 2016-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: KS

Complaint narrative:
I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CRA Collections, Inc
State: DE

Complaint narrative:
I went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past two years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from revenue collect on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw XXXX XXXX XXXX as a negative account on my credit report. I called XXXX collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is revenue collect. They told me that I should call XXXX to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from XXXX XXXX. After they get the prove, they will mark it as paid, so experian agency suggested me to call XXXX to ask them to send a prove to them to prove that I paid. Then, I called XXXX collect again, they told me since they no longer have this payment, and I paid to Revenue Collect, so they can not do anything about this. ThenI called XXXX again to ask them if I can call Revenue Collect, they said it 's not working because the negative account on my report is XXXX collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. XXXX said they could n't help me, but the negative account on my credit report is still XXXX collect. I do n't know what should I do now.

Company public response: Company believes the complaint is the result of a misunderstanding
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 get flexible payment options
Company: SLM CORPORATION
State: WV

Complaint narrative:
I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: CA

Complaint narrative:
For the second consecutive month, Sallie Mae has incorrectly and falsely reported my payment status to the credit bureaus that they report to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I have disputed this account with both synergetic communications and XXXX about them report inaccurately on my credit report and both have been giving me the run around and neither wants to update as settled. this is not I paid the settlement and neither has reported it to the credit reporting agencies. it reflect as not paid or settled on my credit report for all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
I discovered that a bill that I had paid in XXXX of 2016 was still showing on my credit reports as active and uncollected with Credit Collections USA. I called the original creditor ( whom I had paid ) and they advised that they had conacted the collector to withdraw the collections. I filed a dispute with XXXX and the collector had affirmed the debt was still active. I then called the colector who hassled me until I started a XXXX way call with the original creditor. Duing this conversation, I requested that my credit reporting be retroactively updated to show that I had paid the account off over a year ago : CCU refused to do this and claims that they can not due this. CCU has ignored their client 's and my requests, and refuses to rectify the damage that they have caused to my credit. I am a young professional looking to purchase a vehicle soon, and I feel that CCU 's deliberate and damaging actions are holding me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
BANK OF AMERICA required me to apply for the Hardest Hit Fund before they would assist me with a loan modification. Once my loan was current because of the Hardest Hit funds, BOA refused to give me loan modifications options I could have qualified for with my loan current and up to date because of the Hardest Hit funds. My only income is XXXX and child support. They have increased my income by 125 % to determine my new monthly mortgage payment because they claim it is not taxable. 
Even with this inflated amount, they are proposing a 90 day trial where I make a mortgage payment to BOA that is 39.75 % of this inflated gross income figure they have come up with. 
It 's 56 % of the net income that my family has to live on each month. I do n't see how this is an FHA compliant modification. Because I asked a question about the income numbers they used, BOA is trying to claim I 've opted out of the trial offered. I did not XXXX out of anything. BOA asked me to fax my inquiry to their opt-out team to be reviewed. This process should be this complicated. It should be geared to protect the consumer/citizen. I need action and help to make this right. I have XXXX children and stability is paramount to the well being of my family.

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 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report obvious erroneous information on my credit report after XXXX investigations on the issue and one CFPB complaint.So XXXX account XXXX reported yesterday at conclusion of investigation # XXXX a dofd of XXXX and on the same item, report a 120 day late on XXXX in the account history.Also reported on this monthly bill is a last payment of XXXX which would correspond to a dofd of XXXX. 
Equifax has repeatedly reported obvious errors '' on the face of the record '' with regard to this creditor who " re-ages the account '' which denotes strict liability for this illegal practice according to FCRA FOR BOTH EQUIFAX AND THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I got my check stolen on XX/XX/2016.it belongs to my discover saving account ( XXXX ), the check no is XXXX.i talked with discover fraud department.they said if I donot file police report, I would not get my money back.Then when I file police report, the police said they need my check info.however, discover bank shut down my former account, I could n't see all of former information of my account.i contacted with them more than 20 times. 
First, discover bank said XXXX fraud liability ... why I could not get my money back? 
Second, some of my coworker has the same issue, they all get their money back? why I could not? 
Third, if they donot give me my former account info, how can I file police report?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 

1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have XXXX bankruptcy on my credit that was dismissed, They will not take this off my credit report. I dont know what else to do about this. I have written Equifax in reference to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I had a citi Master card ending in XXXX. 
There were some automated payments from XXXX being deducted which I was not aware. I had asked them to change it Looks like it took affect after XX/XX/XXXX. 
Till XX/XX/XXXX Total XXXX charges were around {$75.00} Now Citi is asking me to pay {$220.00} because I am late on my payment for 3 months. 
This is roughly 3 times the amount I owe. Which is very unfair. 
Also Citi never bothered to inform me Other than sending emails which went into spam. 
The only time they contacted me via mail was the final collection notice.

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 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for a Refi mortgage with Navy Federal Credit Union. The loan refi was denied. 
I wrote a XXXX page letter to NFCU describing the fiasco. I will attach the letter for your read. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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 have had a XXXX ( XXXX ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX ) stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. ) contacted NAVIENT but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring. 

NAVIENT XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I called into Bank of America to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Bank of America decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Bank of America is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I have had an account with Nationstar since XXXX sold it to them in XXXX XXXX 2015. First it took almost 6 months to report my credit. Then when they finally did it was wrong. I e-mailed them sending them documentation from XXXX for corrections.They would correct XXXX thing then report something else wrong. This went on thru-out these first 10 months. I would dispute items thru all XXXX CRA 's and they would say they were reporting correctly. Even the CRAs got the documentation.In the meantime they were e-mailing me and sending me letters to refinance with them ... I truly believe they are trying to maliciously hurt my credit so I can not go to any other bank ... Let me re-phrase that I know they are trying to hurt my credit ... Finally they corrected all the mistakes then they showed the account as Tranfer or sold. In doing so they knew very well that if they report the account as tranfered or sold that it would go to a closed status ... This is malicious and with intent to harm, hurt, mislead, and destroy my credit standing ... It is plain out defamation and slander.I called them to find out if they had sold my account they said they had not. I verified ... I called XXXX, XXXX, And asked them why my Nationstar mortgage is no longer being reported as open.. They told me when it is transfered or sold the account goes to Closed acct. As of XXXX XXXX 2015 I printed off The documents from XXXX and XXXX showing that it is reported as closed..with a XXXX ( XXXX ) balance and showing as tranfer or sold. I called again Nationstar and requested a document ... Which is in this complaint ... They are saying That they checked the CRAs and it is reporting as Opened and in good standing ... That is a bald faced lie.. This bank has cause my credit to drop XXXX points ... They " as stated in there letter '' will not do anything else to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.

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 2015-10-23 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
Have not been able to access my funds for 13 days. I call the XXXX number and they continue to hang up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.

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