vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
trying to get inaccurate inquiries off credit report.

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 2017-12-15 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
trying to get inaccurate inquiries off credit report.

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 2017-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Over the past 13 years, the student loans I took out to attend XXXX XXXX XXXX have ballooned out of control due to the errors, omissions and deceptive practices of Navient ( formerly XXXX XXXX ). 

Original balance on a loan I started was for {$26000.00} and another ( which I have yet to see my signatory document ) for {$19000.00} ( total : {$45000.00} ) increased while I was paying the monthly payments ( as I was able ) to {$76000.00}. 

Now I am not a finance major, but even with a few forebearances that I requested when there were financial troubles, but it seems that misallocation of my payments to forebearence fees, erroneous late fees, etc caused capitalized interest build up during my repayment program. 

So even though I was making payments, the balance only always rose. Even when I requested a fixed payment extended plan ( which would increase the overall sum I was paying ) they did not put me in that program and with variable rates increasing, the payment kept increasing. 

No one ever advised other alternatives to forebearance, nor did they advise that the interest first payment structure was going to be used. So although I made 13 years of payments, nothing was ever applied to the principal balance - and with capitalized interest - my balance has only increased. 

I am a teacher and I can only shake my head that the deceptive practices of Navient ( XXXX XXXX ) are allowed to continue like this. 

When my repayment program shifted from $ XXXX to $ XXXX, I extended the payment plan so the payment would be $ XXXX. Over the last 4 months, the payment has increased by $ XXXX so now when faced with a $ XXXX payment that never seems to decrease the principal balance, I refinanced the loan with XXXX. It took me 2 years to repair the credit reporting mistakes that Navient made to the reporting bureaus, else I would have left them long ago. 


This is exactly the type of loan program that caused the mortgage meltdown and needs to have corrective and significant action so that other borrowers are not treated like I was and they do not experience the financial hardship of ever increasing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Card was issued and began reporting to credit bureaus on or around XX/XX/XXXX. As of XX/XX/XXXX this card is in default in the amount of {$2600.00}. This card never should have been issued due to previous credit history of Chapter XXXX bankruptcy in XX/XX/XXXX. Summons and compliant was issued in XX/XX/XXXX and served on XX/XX/XXXX. It is unclear from this documentation how much of the consumer debt at issue is amounts spent versus interest and penalties accrued on the card. The issuance of this credit account appears predatory in nature given the fact that the account was issued only a year after bankruptcy filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have disputed several incorrect address with Experian several times. Experian is saying that they can not remove the fraudulent addresses because companies are reporting these addresses. I have never lived at these addresses and Experian is violating the FCRA by reporting these addresses for me. Please remove the attached addresses.

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 non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc.
State: CA

Complaint narrative:
OnXX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX This company called XXXX XXXX called me to tell me I own XXXX  XXXX XXXX XXXX money back in XX/XX/XXXX. They told me they were a collections company and said that they needed me to resolve this matter today or else. 
I ask for there name and they said it was XXXX XXXX ( it did n't sound legit ). I them ask for there business license # for that it was placed on supposedly on hold. This gal came on the phone yelling and telling me that I was going to have to pay, and they did n't want to give there business license to me. I had to look it up myself! 
That became a screaming match. I informed her that this was already resolved and I had proof of it! I told her to give me her fax # so I could send her the proof to which she said that I had to send it e-mail to her. No way was she going to get my email address so if she did n't want to give me the fax # that was not my problem. 
Here is the phone number that I blocked ( XXXX ) XXXX I hope you get these scammers! 
Thank you for checking this out. 
Respectfully 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 2017-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MS

Complaint narrative:
At least twice in the last three weeks my husband has recieved a call from sallie mae. I recieved a student loan in XXXX with my name being the only name on the loan. I have never lived in a community state. They were trying to recieve payments and told him to verify my birthdate to recieve all of my private confidential financial information. I have never sign or voiced permission for them to speak withanyone on my financial information. I understand myself getting calls to pay the loan that I am not able to pay currently but they have no right to contact my husband nor give him my finacial information, as well as bother him at work. That is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Equitable Acceptance Corp
State: TN

Complaint narrative:
I was contacted by a fraudulent company called Equitable Acceptance regarding student loan forgiveness. I was told by a representative that their company was legit & during Obamas administration loan forgiveness was possible. They told me if I signed up for {$39.00} per month for 2 years my student loans would be forgiven. Since I was hopeful to have my loan forgiven, which would free my husband & I to save money rather than spend a total of XXXX {$550.00} per month towards our students loans, I was baited & agreed to their terms. This meant giving them vital information, such as bank account number, name, email, social, etc. they proceeded to impersonate me to XXXX ( my student loan company ) several times using my information to access my account. Im afraid that has or is happening to many people. Please remember : if its too good to be true, most likely it is. Dont be gullible like me. Be wise & always ask questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NE

Complaint narrative:
XX/XX/XXXX I paid off our auto loan with Fifth Third Bank using the final coupon from the coupon book given at the time the loan was started. This vehicle was paid off 14 months ahead of payment schedule. The date of final payoff in the coupon book is XX/XX/XXXX. I waited for 2 months to receive the title. The first part of this month ( XX/XX/XXXX ), I called Fifth Third Bank. I did not get the name of the person I talked to. I was told that even though I paid the loan off 14 months early, I still owed {$96.00} plus {$.00} interest per day until that was paid. I asked why if I had a coupon book, and I made the final payment based on the payment schedule, why would I owe more. I was told the coupon was simply an estimate and at the time of a final payment I would be advised the additional amount owed. My complaint is twofold - ( 1 ) I was not advised at the time the loan was taken out there might be more owed than what showed on the coupon book & ( 2 ) if this is valid, why when the bank received my final payment would they not advise by letter or telephone call that there was more owed -- I had to make the call 2 months later which increased the final amount owed ( if this is a legal way of doing business )? We have had many auto loans and never have dealt with such a underhanded way of doing business. Any auto loan we have had, once the final designated payment was made, a clear title was sent out immediately. I finally received a letter from Fifth Third Bank which indicates the amount owed and that {$.00} interest would be added daily until they received the final payment. I want anyone who deals with Fifth Third Bank to know that you can not trust their business practices. And I would like to know if I have any right to recover the {$96.00} plus {$.00} day interest accrued on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the public record on my credit report, challenging the accuracy, compliance and reportability of the bankruptcy listing in my credit report ( faxed to Transunion on X/XX/2017, and mailed in XXXX/2017, and XXXX/2017 certified mail ). I never received the investigation results of the bankruptcy dispute. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws. I included a copy of this letter with the fax on XX/XX/2017. I did receive a confirmation letter from TransUnion stating they received my faxed dispute and the court letter, but the letter from the court was n't information they could use. I never received any notification letter from Transunion regarding the results of these disputes about the public record. Currently, on my Transunion report, it states that information is obtained from a third party. Well, who is this third party, that gives/sells information to the CRAs? Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating, and then selling the information to credit reporting agencies. Public records information is NEVER validated by the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX 2015 I paid Wells Fargo Bank a personal loan in its entirety. A few months later a got on my credit report a negative delinquency status about this same loan. According to the bank, I failed to pay a small balance that I never received a bill for or any type of communication after I paid the loan 100 %. When I learned about the negative credit report reported on me by Wells Fargo, I immediately contacted them and I was given a fax number where I should send a complain and a full explanation. I did sent a fax not only once buy twice after not hearing from anyone at that bank. 

The last thing I did was to sent the same communication I have previously sent via fax but this time I did overnight it and still nothing happens with this people. Meanwhile, my credit records has been damaged by this situation.

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 2017-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. 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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Fraudulent charged of my credit card, US Bank Edge - Ending # XXXX. 
Good day! 

My complaint is regarding the fraudulent charged to my credit card US Bank Edge ending {$9100.00}. 
First of all, I paid off the previous balance of {$130.00}, XX/XX/XXXX 
I received a letter stated that it was late one day, so they want me to pay the late and late interest. 
I called and told them that, it was fully paid stated previous balance month of XX/XX/XXXX. 
Per conversation, cant waive the full amount because of the interest earned from the one day late fee. 
They asked me to pay {$25.00}. I dont believe consumers have to pay interest earned from the late fee. 
I received a letter that I owe {$4.00} which is another fraudulent charged. 
The US Bank Edge was doing fraudulent charged to the consumers and that is not acceptable or illegal.

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 2017-12-15 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been working on rectifying my credit report after my accounts have been entered and used off and on since XXXX. The most recent hack was with my XXXX XXXX Charge account last XXXX XXXX XXXX XXXX When gift cards were purchase on my account with out my knowing, I reported it to the Police in XXXX Mass and I reported it to XXXX XXXX and the bureaus. I can not understand how these bureaus can have so much control of our lives when the Police told me that this kind of thing is happening everywhere. 
The police contacted XXXX XXXX about the fraud but they did not shut down the account take the report seriously and then open a new account. They wrote to the bureaus that I owe over XXXX to XXXX XXXX. They would not take this as fraud and this was during the recession even though is was not during XXXX the recovery was continuing. 
My complaint is with XXXX XXXX taking advantage of a XXXX women 's tough situation and the bureaus not willing to really do the right thing but instead made my score so low that I have not been able to be treated any more than a criminal. I have taken a company public but I could not buy insurance due to pre-existing conditions and have had 28 XXXX But this complaint is about the need to get justice for me and I bet many XXXX people but also to redo the power of the credit bureaus. These companies control our lives with the FICA scores even in an environment where millions of people have had their information from companies like XXXX nd all of the retail companies and tech companies like XXXX. Information is stolen, accounts will be hurt and should not the credit bureaus be altered to be able to be attuned to the problems vs. treat real people who are responsible with heavy handedness and cruelty, The credit card companies like XXXX XXXX do very well. They did not need to take over a year to then decide that they still would not address the fraud done on me and they still would not give me a new card. Instead they not only made me responsible for something I was not responsible for but they then penalized me in rejecting me with re-opening my account. Even the Police asked for my account to be reopened because I actually paid before the bill was issued. I am XXXX. If my car gets a flat tire and I have not enough left on my ssi to pay for the help, I am now at risk that I will be stuck without help. It is time to take care of stopping the powerful from hurting the not powerful but responsible people. Thank you, 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 2017-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For may years, but especially this year Citibank has been blocking purchases and while their management team has promised to text me to confirm authorization they have not and instead forced me to call in requiring 20 minutes or more to resolve. After repeated problems they offered me an upgrade card that cost {$500.00} their " Elite '' card that representatives promised would resolve the unnecessary declines that included trying to buy an {$8.00} sandwich. I have an 800+ credit rating, by the way. The new card did not resolve the issue but rather it became MUCH WORSE. I was so angry talking with their managers after repeated unnecessary declines, that I got into a parking lot car accident costing me several thousand dollars. After several incidents, I escalated the matter to their corporate office when I demanded my {$400.00} back. She said she could not do that but would credit me XXXX XXXX Airline miles. After several months, the credits did not hit. I emailed Citibank and the executive office called and denied they had agreed to miles, that was yesterday XX/XX/17. Hence my complaint today. Citibank card : ending in 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