vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out this Navient ( formerly XXXX XXXX ) student loan for my son - it started in XX/XX/XXXX. Over the next 3 years, we borrowed a net total of {$95000.00}. Since XX/XX/XXXX, we have paid them {$91000.00}. We have very rarely paid late ( 6 times in all, and on those occasions we paid double to show good faith, we paid late because we simply forgot - we pay on line and do not receive invoices in the mail ). There are months where we pay XXXX, and over XXXX is interest. 
How can this be legal? Out of the {$91000.00} that we have paid, only {$29000.00} was applied to principal, and {$62000.00} was applied to interest. My problem with this is that I have had several unsecured loans in the past, at around 8 %, and it was nothing like this. My current balance is {$66000.00}, and they project my payments ending in XX/XX/XXXX? Really? I have tried to get my interest rate changed and they told me to call my congressman. Attached are all of the documents. I believe this is slanted, not transparent from the beginning, and absolutely unfair. 
Please help me to do something about this. If I had known I was taking a loan from criminals that would be spread over a 25 year period, and would be this slanted - I would have never done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DLC, LLC
State: UT

Complaint narrative:
Recieved a Loan from XXXX XXXX XXXX date unknown. Last payment made was XX/XX/XXXX for an amount of XXXX $ Total Loan taken was XXXX $ I had told the company I was recently in a car accident and would need time to pay back loan amount. I continued to get calls and voicemails 3 to four a day within a two hour period. I had requested that they stop calling me and I work something out with the caller but the next day the calls will return. On XX/XX/XXXX I received a notice from my HR that they had been contacted about a loan in my name and again on XX/XX/XXXX. I was under the impression that other than employee verification my employer would not be contacted especially not to discuss my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/16 my Wife and I purchased through XXXX XXXX online an XXXX XXXX XXXX XXXX XXXX for {$740.00} for our home using a combo of our own money, XXXX XXXX Gift Cards and {$520.00} XXXX XXXX " Loyalty Rewards '' Certificate we had previously accrued by purchasing thousand of dollars in XXXX XXXX Dining Room furniture. The dining room furniture was quite expensive, but the sales person stated we would be able to accrue {$520.00} in XXXX XXXX Loyalty Rewards, which sealed the deal. At no time were limitations disclosed on the Loyalty Rewards Program. After we received the Chandelier we realized it was too large for our dining room and returned it to the XXXX XXXX in XXXX XXXX, Ct. The staff said since our purchase was online the full credit due of {$740.00} could not be issued on-site the product would have to be returned and we would get a XXXX XXXX Store Card Credit for that amount of {$740.00}. This never occurred and Customer Service stated today to our shock we " forfeited '' our {$520.00} " Loyalty Rewards '' by returning the Chandelier and only refunded the difference of {$220.00}. All of this was NEVER disclosed to my Wife and I by our in-store sales person, where we accrued the " loyalty rewards '' by purchasing the XXXX XXXX Dining Room set, or by the online live customer service representative when we purchased the Chandelier on XX/XX/16.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

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 2018-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX  AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX XXXX, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE 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 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I had called about a loan deferral on XX/XX/XXXX. I was current in XXXX and was requesting a 2 month deferral. That would be XXXX and XXXX being deferred. The deferral was rejected when I paid XXXX mortgage. This is unfair as the customer service representative on a prior dispute admitted we were discussing a 2 month deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I get calls everyday from OCWEN '' a mortgage company, before giving any information on what they are calling for they want my social security number to look up my information. I am fed up of telling them i will not not give out my SS # so stop calling me. They continue to call and leave messages on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: NY

Complaint narrative:
Collection agency XXXX XXXX XXXX XXXX XXXX firms XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has attempted to collect a debt and has listed said debt from XXXX refuse in the amount of XXXX $ with all 3 credit reporting agencies. Original date of debt/delinquency is over 9 years old and is being illegally re-aged. I have repeatedly written trans union and their investigation shows the report as accurate it may be accurate that the agency received the account in 2016 but the refuse to state the original date of debt so that it can be taken off my 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 2018-02-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I made a purchase on a dinning set from XXXX XXXX in Pa and while at the store I left a {$1900.00} deposit to order the furniture. I paid the remainder of the balance in Full per the store request as they wanted cash and I refused so the excepted a check. approx 12 weeks later I received deliver and as they were unpacking to set up the dinning set, I notice it wasn't what I ordered and paid for so I disputed the charge. I can them everything they requested including picture of what I received and what I wanted. XXXX is in breach of our contract agreement as they refused to dispute the charge to date.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
an account for XXXX XXXX reports on my XXXX and Experian I never opened account infact when I first became aware I sued the dealer..

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 2018-02-26 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
CHEXSYSTEMS COMMITS XXXX DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE 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 2018-02-26 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: NY

Complaint narrative:
On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BBT bank is claiming i owe them XXXX. I HAVE NEVER RECEIVED ANY ''BILL '' A STATEMENT IS NOT A bill you XXXX XXXX and yu probably discharged it to my social security trust account like you do to everybody else, BBT bank also SOLD THE ORIGINAL INSTRUMENT WITH MY WET INK SIGNATURE BECAUSE IT HAS VALUE, THESE ARE XXXX LIAR CRIMINALS,, I NEVER RECEIVED A ''BILL '' OR A SWORN VARIFIED COMPLAINT OF ANY WRONG DOING

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
CIT BANK NA The company sold a property that I was a co-owner and I was not notified of the sale. 
The property was re-financed onXX/XX/XXXX for {$240000.00}. It was then sold on XX/XX/XXXXfor {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
an account for ally bank reports on my trasunion and XXXX I never opened account infact when I first became aware I sued the dealer..

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 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
I am recieving continuous phone calls from a company trying to collect a debt for XXXX from XXXX which i do not believe is mine. I have repeatedly informed them it is not mine and continue to get phone calls threatening to take legal action and threats to sue me or have me arrested. They have also reported it to my credit file with the 3 reporting agencies as a debt being opened in XXXX, resulting in a drop in my credit score and for other creditors to reduce my credit lines due to this negative report. I have disputed this on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OLIPHANT FINANCIAL, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I took a loan out for approximately {$800.00}. To repay the loan I arranged to have payments of {$100.00} a month automatically deducted from my checking account. After some months had passed two payments did not clear. I then began being charged {$240.00} a month. The last payment taken out was in XX/XX/XXXX My checking account was then closed. On XX/XX/XXXX I received a notice from Oliphant Financial , LLC that the current balance due was {$3600.00}. I called the collection agent and told them that I have unemployed and living on minimal medical/general assistance since XXXX of XXXX. They offered my a payment arrangement of {$25.00} a month which would amount to one quarter of my entire monthly income. I replied that I would unable to pay that amount and would be seeking help moving forward with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase owes me {$4800.00}. I filed a case # XXXX with them and they have been no help. On XX/XX/2018 the amount was sent over and received by coinbase. I received an automated email from them saying my funds would be available by the end of the day on the XXXX, instead it has been stuck on pending now for well over a month. And they will not help me. Their support team is horrendous. And additionally I was scammed another {$750.00} but a fake coinbase number I called that posted on Coinbase 's Support 's XXXX page. So they are also allowing scam companies to make posts using their same exact logo and font to offer help to ppl, when they should be deleting these fraudulent posters.

Company response to consumer: Closed with explanation