vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 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: WA

Complaint narrative:
In XX/XX/XXXX, I called Navient after they constantly called my mom. I told them I was homeless at the time, and I could n't afford to pay for anything. The guy was very pushy and insisted I make a payment. 'I 'm sure your parents would let you move in, right? ' I replied, 'No, that is n't an option. ' He just kept persisting, gave me absolutely no options to delaying payments and making suggestions on what to spend my money on. My only income was and still is XXXX. I got sick of it, and he said he 'd call me back the next morning wanting my debit card information. I never returned the call. While I eventually found a home, my mail was still sent to my mom 's address. <P/>Fast forward to XX/XX/XXXX. My XXXX payment was $ XXXX less than before. After getting the runaround from my debit card company, I called the Dept. of Education to find out what was going on. My XXXX checks were being garnished because my student loans defaulted. I NEVER received any mail or correspondence from Navient for that matter. I knew I had to do something, or else I would be on the streets again. I was garnished fromXX/XX/XXXX to XX/XX/XXXX. <P/>I knew about the total XXXX discharge, and I am XXXX, which I told Navient many times over the years. Navient does n't like anyone asking, mentioning nor suggesting it as a debt relief option about the XXXX either. They were rude when I asked for more information. I printed off the forms in XX/XX/XXXX, and in XX/XX/XXXX, my application was approved. Navient owed me for payments made during the approval process. They were very slow to return my money, but I got it eventually. <P/>If there 's a class action lawsuit, count me in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: PA

Complaint narrative:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX XXXX in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

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 2017-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: WV

Complaint narrative:
I attended XXXX XXXX College starting in XXXX then again in XXXX. Due to health reasons i could not finish my XXXX XXXX XXXX degree although i had XXXX XXXX  and finished all XXXX classes. I got the pell grant and other free help from the government that did not require repayment. I had took out 2 student loans during this time through XXXX XXXX for classes that i could not use pell grant. I received XXXX one time and XXXX the second time. I had asked for forbearance to delay repayment due to unemplyment. I was denied. I ended up having income tax returns taken and i paid XXXX back through wage garnishment of half my paycheck and all my income tax for a few years. I did not owe all this money too them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

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 2017-06-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This is a predatory loan with Santand er Consumer USA, I want to pay it off and they do not take any interest off 72 month loan I have made 32 pa yments. The car dealer  XXXX   XXXX   XXXX  got me this loan, they bullied me into taking an extended warranty for  XXXX  and if I did n't take it the bank would not give me the loan. Call the bank got double talk, went to the dealer they admitted something was incorre ct 1 week still waiting for a call back left 3 messages. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion is reporting balances on my accounts that are not accurate.    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  - No Balance Citicards - No Balance  XXXX  - No Balance  XXXX    XXXX   - No Balance  XXXX  Derogatory Public Record

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 2017-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I signed into the XXXX app to get my payday advancement and an notice popped up saying they ca n't view if I got paid because Wells Fargo blocked them from seeing I got paid. Maybe it 's because it 's the weekend. Not sure.

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is reporting balances on  XXXX   XXXX    XXXX   XXXX   and  XXXX    XXXX   XXXX  .   The accounts have   XXXX   balances.   XXXX  The account balance of  XXXX   XXXX  is incorrect by {$610.00}. The balance is {$2000.00} not {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase refuses to close my credit card account and keeps sending me new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: MA

Complaint narrative:
XXXX   XXXX  equifax mortgage services i have called varies times since  2015  i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or apply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: MD

Complaint narrative:
I received my western union prepaid card in the mail but have had trouble activating over the automated system, online and over the phone. My online access was activated but now it is locked. In an email from the company I was informed that my account is on a temporary hold and my concerns can not be resolved through email. However, my activation and concerns can not be resolved over the phone. The representatives stated twice that I am ineligible yet the card does not require a credit check and I have the card in my possession.

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 2017-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Hello, Filing a complaint on this bank, harassment from then day and night. Goodmoring, this problem is with XXXX XXXX call are being rolled over from city from state of Ohio XXXX and and I have told the customer service department that I went to the bank brand manager, and customer service teller about problem call that I 'll getting at XXXX XXXX and through day even up to XXXX XXXX at night. The bank told they do not call you like that.but a call come from them.after you tell you talk to your brand it should have stop.and they would contact the department ask them to stop calling now we no the problem is someone have use my card with my permission.and my credit card .And it also need it mos fee pay of {$30.00} I want the bank in person and talk to them face to face.again I was told do not worry about it.this was brand XXXX XXXX XXXX area.yes I did take care of the matter.for the last three mos this problem start with call after call morning XXXX XXXX, XXXX, XXXX XXXX unlit XXXX clock at night all day on the weekend.I have there number,XXXX/XXXX ( XXXX XXXX  XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX Now the reception on was this morning XXXX-XX/XX/XXXXXX/XX/XXXX,  at XXXX, again at XXXX, again at XXXX, The same number, from XXXX then at XXXX clock XXXX I told the operation that please stop calling me because I already talk to the bank about the matter and the bank said there is no problem with my account. She have a smart month.the are going to keep coming unlit it taking care of.night and day.7 day of week if I like it or not.I ask her do n't she try checking with the department and calling bank brand.them hang up.I also told thems I have identify theft. It is on with the bank.At this time I have no other choice but to filed this on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX   XXXX    XXXX   XXXX   XXXX   i have called varies times sinc e 2015 i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or a pply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  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 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had an unpaid balance of {$1100.00} and was charged {$110.00} in interest in 1 month. My interest rate is 16.74 % and I should have been charged {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was a loyal member of the Delta Skymiles American Express Credit Card for several years, and I recently had the unfortunate experience of finding several thousand dollars of fraudulent charges on my credit card. I submitted a fraud claim to American Express and they promptly handled the situation. This was subsequently followed by an investigation. <P/>During the investigation I was asked a series of questions which I answered and over the course of the investigation, the merchant where the fraudulent charges came from was unable to generate any documentation that could substantiate that these were in fact valid charges. <P/>To my surprise, the AMEX fraud team member informed me that they would not be removing these charges from my account. I asked if they could do that given that no documentation was provided from the merchant and she could not answer the question. I then asked to speak to her manager- I spoke with her manager and her manager was also unable to answer the question " can you reinstate charges on a fraudulent claim when no supporting documentation was provided by the merchant? ". So I then asked to speak to her supervisor. Her supervisor left me a voicemail when I was out of town on business and by the time I returned they decided my case was closed and put the charges back on my account. <P/>I was never given the chance to speak to the supervisor and be given a fair chance to discuss the fraud process. It seems that AMEX was eager to close it out and did not wish to involve me as much as I felt was fair and necessary as the consumer claiming several thousand dollars of fraudulent charges. Furthermore, I feel that, because these were NOT my charges and there is no documentation to support them, I should not be held liable for paying for them. As a responsible person I am writing this not only because I feel this is unjust, but also because I want to pay my bills, and I certainly want to pay AMEX whatever is owed to them. However, I do not wish to pay for charges that I did not make and I think that most people could understand that rationale. I sincerely appreciate your time to review my

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Letter dated XXXX XXXX 2017, I received a welcome letter from PayPal, Thanking me for opening a Paypal Credit account. This letter stated they already emailed a notice to XXXX. I called paypal as soon as I received this letter, notifying them that I did not request to open a credit account and the email mentioned in the letter was not mine. Paypal continues to send bills to my home address. Paypal informed me to file a police report, I refused. Paypal opened this account with online information which had to be lacking in verification and proper procedures. A paypal representative explained that the initial opening of the credit account was charged with a {$14.00} purchase. Days latter they contacted by my e-mail, not XXXX of attempted purchases in access of {$1000.00} dollars which they said they rejected. For the life of me, I could not recall how Paypay had any information on me. A few days ago a bought a tool online through XXXX using a credit card. It turns out, paypal and XXXX have some sort of agreement, and I must of had to pay XXXX through paypal years ago using my credit card, not any paypal credit account. I have closed and deleted my accounts at XXXX  and will continue to do so with any site associated with paypal. I wonder if paypal representatives are earning incentives for opening Paypal credit accounts, like XXXX XXXX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, On XXXX XXXX XXXX I sent the first of many letters to all three credit bureaus Equifax, XXXX  and XXXX in regards to verifying the accounts on my credit report. I requested that they please send me copies of the documents they have in their files, as of this date, they used to verify the accuracy of the accounts I listed in the letter. <P/>I asked them to delete the accounts immediately if they did n't provide verification of my connection to these account. The original signed contract between me and the company. Their response was to send me a copy of my report which is not verification that the account is valid Under the Fair Credit Reporting Act. <P/>The dates of the letters are as follows First Letter XXXX XXXX XXXX - Equifax XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX Second Letter XXXX XXXX XXXX - Equifax, XXXX, XXXX Third Letter XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Equifax, XXXX Fourth Letter XXXX XXXX XXXX - Equifax

Company response to consumer: Closed with explanation