vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after Navient responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XX/XX/XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by Navient 's agent ACT ( collection agency ) as of XX/XX/XXXX, the account was listed as settled in full and closed meaning it was sent back to Navient to update on both of our credit reports among other things. However, Navient still has the account status listed as a charge-off. Additionally, on Navient 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and Navient refuses to uphold the terms of our settlement agreement. ( See attachment : Updated Navient Settlement Agreement ).

A settlement agreement was made by Navient 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while Navient has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that Navient concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with.

According to Navient 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan.

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence.

Further, I am alleging that Navient entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to Navient as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to Navient as " settled in full '' and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: ID

Complaint narrative:
Last fall ( XX/XX/XXXX ), D & A Services LLC began contacting me to collect a strangers debt. After several phone calls clarifying that I am not the individual in question and asking for the attempted collections to stop, they took a break from calling me. They contacted me again today ( XX/XX/XXXX ) to pursue collections of the stranger 's debt through me. Unfortunately, due to a data breach at XXXX, all the call records prior to XX/XX/XXXX have been lost and I can not provide the dates the contacted me priorly.

I will not pay for a strangers debt and D & A Services refuse to acknowledge this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Back in 2017 my American express card # XXXX was involved in an internet scam. 
I applied for a job in the internet with NY company as a procurement, went though the on-hire process were I gave them my personal information, including a copy of my credit report. 
Prior to my starting date the company made contact with me and explained that they couldn't get me on payroll yet and that i was on a trial period, they way to operate in the mean time was for them to paid off one of my credit card balances or deposit some money in one of my credit card so i could make the purchases. I stupidly gave them access to my American Express two days later they made a deposit for {$4000.00} that reflected on the account, they sent a list of purchases to buy electronics in XXXX XXXX and XXXX  and at that point i realized there was something very suspicious and the have taken control of my account information. I called American Express to let them know that something was wrong an to returned the money which they did and everything went back to normal in my account for 2 months then without me knowing by XX/XX/XXXX the account was tempered with again however since there was a warning in the account XXXX  proceeded to return the funds back again making the mistake and in stead returning twice the amount by wire and by electronic check debiting my account double. For 5 months I tried to resolve my fraud case with XXXX  who in turn after 27 years of relationship denied my claim that was being investigated through an XXXX department. I reopened the case 5 times every month with the help of a lady XXXX in the USA who was able to figure out what went wrong but by XX/XX/XXXX she retired and the case was left lingering and unattended I opened again though XXXX but no responses were achieved. In XX/XX/XXXX they reach out to me to demand collection but morally and ethically i couldn't move forward to pay a debt that was American Express mistake. 
XXXX transferred me to collections know and i continue unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
My former company failed to provide me with options when my husband lost his income due to work injury and later on job loss. This put us in a financial bind where I was told I could not get deferred payments or forbearance. All that eventually led to me being defaulted on my loans. I was sent to yet another company where I had payments taken directly from my checking to rehabilitate my loans. All went well and a year later I was out of default.

That leads me to my current situation with Navient. I received an email from them stating they were my new loan service provider. And I should expect someone to contact me soon.

That was in XX/XX/2017 I waited a couple weeks finally calling them myself. I found out the day I called them that my first payment of {$1200.00} was due that very day. Not having {$1200.00} just lying around, I asked what the grace period was and was not given a direct answer. I told them my husband 's income, but did not go through the income based repayment options. After stating what

his income was she said it dropped it by about {$100.00}. I stated there was no way I could pay over {$1000.00} a month. But I was wondering what my other options were. I was never given the opportunity to see if I qualified for IBR or and other kind of reduction in payments. I had tried to do all this via phone calls. Multiple times. I've tried to log into my account and request a temporary forbearance and everytime I begin the process I am logged out. I've tried to do the same but with IBR and again, I get logged out of my account. So now, I am past due on my account. Because I am past due, Navient is asking for all payments to be brought current immediately before I can explore any other options. I will keep calling until I can hopefully find a decent person to help reduce my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my Transunion credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.

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 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX policy was switched after an the quote they gave me was incorrect and suddently increase my price. The month of insurance with XXXX XXXX was paid and yet XXXX XXXX kept billing for months when XXXX sent them notice and took over our auto policy. 

The collection firm nor XXXX XXXX XXXX sent a notice of debt or collection. We never received a phone call or letter after the cancellation of account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
When I opened the account, terms stated that if I deposited XXXX and left it in account for 90 days, I would receive a {$300.00} bonus. Deposited XXXX in XX/XX/XXXX ... still no bonus. Called Citibank on week of XX/XX/XXXX. Was told an investigation would be opened and would hear back by end of week. Never heard back, still no {$300.00} bonus.

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 2018-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
I got a loan for XXXX from this company. They had pull ed two payments from my acct equaling XXXX plus dollars. You would think my loan would be down to roughly XXXX dollars left to pay but it wasn't, I called the company to get a balance and the balance was over XXXX due to " fees '' and outrageous interest 299 %. I know these kind of loan company 's have been getting shut down due to their fraudulent activities and ripping people off, making an agreement they know is impossible to paynoff in payments etc ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was just informed that Bank of America has turned into the IRS a XXXX for {>= $1,000,000} in proceeds I received from my foreclosure. I didn't receive a dime. They said this is standard procedure. Are they crazy?

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 2018-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried multiple times to contact trans Union and get my account information fixed on balances deliquencies ect. and they keep sub tracting huge points like negative -77 at a time. they don't have my years of credit coreect. and yoyu can see a huge difference between XXXX   report compared to Trans Union. its not fair and I have worked diligently to improve my credit score.

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 2018-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I received a deferment on my student loan two years ago. The collection agency began harassing my family and friends by calling their private phone numbers yesterday XX/XX/2018. They continued to call today and asking for me, where I work, where I live etc. They claim to have tracked their numbers on a " public data system ''. We've asked multiple times to remove their contact information, since they have nothing to do with my bills nor manage any of my accounts.

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 2018-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018, someone tried or did opened an account with On-Site Manager in my name. The reporting agency was Equifax and XXXX XXXX ID is XXXX. 
I was transferred multiple times at the company without anyone able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Tried to reach out to them to let them know the apartment balance was paid to end the lease.. in 2013. They will not talk with me only hang up the phone and say contact XXXX but this debt is not mine. Even asked to just pay it to get it off my credit because Im trying to purchase a home and this is the only thing on my credit and thats how it was found out was never contacted by the apartments or from This company in no form shape or fashion. EVERYONE THERE ONLY HANG THE PHONE UP IN YOUR FACE.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
Its a Theft on my criminal background thats under my name and it states that I was XXXX in jail XX/XX/XXXX. I have never been to jail for theft. It also states that I sat in jail for 4days for theft. Not correct. My wallet and personal belongings were stolen out my apt In XX/XX/XXXX and I called the police and they made a report on it I also had money stolen out my bank account which I was banking with XXXX XXXX XXXX XXXX. I did not and was not convicted or plead gulity for stealing. Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after  giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for Equifax & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & Equifax by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: DE

Complaint narrative:
I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.

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