vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Sin ce Navient beca me my servicer, they have told me that my loans qualified for Income based repayment, which they did and I promptly enrolled, however, since I am eligible for PSLF Navient told that my loans were eligible for that program. Today I was told that it is not the case, and that my loans and years worth of being enrolled on the program will not count towards PSLF.  This took 3 hours and four different people giving me four different kinds of information. Navient should make two years worth of interest payments on my behalf and those two years should be counted towards my PSLF program. This should be illegal and could potentially cost me thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have asked them to removed all non account holding inquires off my credit report due to the fact that I did not give them or anyone else permission to run my credit. Most of them are on the same day from a car lot that I have never been to or talked to anyone that works there, none of these inquires are mine.

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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys is reporting me late on  XXXX   2016 which  is incorrect. This late payment was never on there before and when they adjusted my account to remove the late payments and credit my account {$10.00}, that is when it showed up.

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 2017-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Management Solutions, LLC
State: PA

Complaint narrative:
I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As stated in full detail with my   XXXX   Complaint (  XXXX  ), I am requesting that Equifax do the same, remove all Negative Information that was submitted by  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX    XXXX  in  XXXX   XXXX .  XXXX  who claim they are collecting for  XXXX   XXXX   XXXX  ( closed ) located in  XXXX  Illinois and   XXXX     XXXX     XXXX  that 's closed also. The phone numbers that 's listed on my Credit Report :  XXXX   ( 24 hr. Tape Recorder  only  )  and  XXXX  is disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been working in   XXXX   jobs for close to 4 years now. I have also been working to pay off my federal loan through th e Public Service Loan Forgiveness Program. I first  submitted 6 months cert ification ( out of 1 year employment )  to request credit for 6 months of payments and enrollment in the PSLF program. I initially was sent a letter saying the certification was valid and I would receive 6 months of credit for the one year I worked in my first   XXXX   job. I then transferred to another  XXXX  agency where I have been for almost 3 years. In those nearly 3 years, I have submitted yearly certification to show I am in the PSLF program, making on time Income Based payments and working toward the 10 years of service and payments before loan forgiveness. The Fed Loan company ( My Fed Loan ) routinely does not recognize these certifications, or says I have not submitted them, and does not accurately reflect the over three and a half years of payments that I have made in the PSLF program. I am concerned that they are not honoring the work I am doing or the payments I am making. I again submitted another certification this month, to which they responded that they had not received anything and to please re-certify every year. It is a pattern that they continue to exhibit which shows to me that the PSLF program is not being run properly. I also do n't make very much money and the payments they are taking are nearly 1/4 of my total income. I am struggling to adjust to their most recent increase from {$490.00} to {$700.00}. I am a single parent putting a child through college and working in a relatively low paying public service job. Any assistance the CFPB can provide to remedy these issues would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I disputed several hard inquiries from SYNCB/walmart SYNCB/amazon on my  XXXX   XXXX   XXXX  and   XXXX   Credit Report. I wrote several letters to the companies asking to remove these fraudulent inquiries from my credit report, and I was told that those belong to me. I ask for each bank to send me proof if these items belonging to me and i was never sent this information. I am a victim of identity thief.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion makes a bad habit of allowing re-insertions. They have done it to my credit report again.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I do not owe on a  XXXX   XXXX  collection bill,  XXXX   XXXX  is my current service company and I always pay my bill on time and have active service. This is inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my 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 2017-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I sen t Capital One Auto a let ter concerning an account that someone had opend in my name without my permission. As of today they have not responded nor taken steps to remive the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. I have yet to receive a response in this matter at all from Experian, and I have disputed this information on different attempts. I have, however, reached out to the  US Bankruptcy Court of   XXXX   - an d they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed the validity of a public record item I had noticed on my credit report and Equifax deemed it as Released/satisfied and this is not correct or true at all. I have never and will never satisfy a {$120000.00} lien. this is ludicrous. I have never been obligated to pay any type of sum and there is no such lien against me, this IRS lien was settled for just und er ten thousand  many months ago and it no longer should have any thing to do with me. This is inaccurate and illegal. the connotations of this appearing on my credit report and damning my financial life and I have not been able to financial recover. I politely disputed this and they claim to have verified it and its status yet it is grossly incorrect and fabricated. this lien is invalid and illegal labeled and appearing on my credit report. It must be removed immediately or I will seek legal action. There is ABSOLUTELY NO WAY this was verified as it does NOT exist!

Company response to consumer: Closed with explanation