vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In the XX/XX/XXXXXXXX, I was looking for private loans to help me finish my last semester at XXXX. I had already reached my maximum Federal aid allowance, and was in need of private loan help. I called several companies for the best deal. Navient offered me a private loan where I did not need a co-signer, which was rare. I asked about having different repayment options for after I graduated, because I was worried that I would not have a job 6 months after graduating. The representative assured me that I would be able to apply for IDR plans once my private loans entered repayment. 6 months after graduating I called Navient to sign up for IDR because I did not have a decent job and my loan payments were $ XXXX/month. When I called the representative I was told that my private loans did not qualify for IDR, and that the only option for me was to enter into forbearance. I tried to argue this point, saying that I was promised I could get IDR, but to no avail. I had not choice but to take the forbearance, as I did not have the money to pay my loans. I paid {$50.00} per loan to put my loans on hold for a total of {$100.00}. I have called several times since then, and always get the same answer. I have been continuously putting my loan payments on forbearance ever since the XX/XX/XXXX. I originally took out 2 loans, one for {$10000.00} with an interest rate of 12.875 % and the other for {$11000.00} with an interest rate of 11.750 %. Now the loans equate to {$16000.00} and {$19000.00} for a total of {$35000.00} in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capitol One, XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, continues to send mail addressed to " PERSON X '' to our home address. " PERSON X '' has never lived at our home address, nor is he related to us in any fashion.

We have repeatedly refused mail XX/XX/2018-present from Capitol One addressed to " PERSON X '', saying " RETURN TO SENDER - ADDRESSEE NOT AT THIS ADDRESS ''.

I am concerned about potential fraud by the Addressee, and by Capitol One. Who knows, this could evolve into our getting harassing phone calls from Capitol One about unpaid bills!

I have seen the same complaint on the internet about the same company from another U.S. resident. That person said they had called Capitol One and supposedly it was taken care of, except the abuse continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian credit reporting will not let me cancel my account. They have all kinds of ways to easily sign up for their services. They miss lead you with free credit report than the will automatically start monthly billing with disclaimers stating you can " Cancel at anytime '' They make it seem like it is just as easy to cancel. After months of billing my account they raised the rates. I have now spent hours on the phone trying to get someone to cancel my account. I have searched the web to see if any one else has a easier solution to cancel. Everyone I come across says they are waiting for over an hour on hold. I have done this and when someone picks up they hang up the phone. I am so frustrated with Experian. I THOUGHT THEY ARE THEIR TO PROTECT US HONEST PEOPLE. I am filing this complaint to hope someone forces them to change their company policies.

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 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This account was unauthorized.I am a victim of Identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: MS

Complaint narrative:
I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX  and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

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 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.

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 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
I XXXX XXXX applied for a home modification from specialized loan servicing, and was approved.they gave me a three months modification, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, still paying.the repotted to credit buereau that I was three months late ' the company is specialized loan services I called them and they said it will stay on - my credit report I never was late.i was in a modification XX/XX/2017-XX/XX/XXXX and XX/XX/2017.i was told that after modification my account would be updated. 


XXXX XXXX XXXX XXXX XXXX Maryland 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 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Medical balance with XXXX XXXX XXXX in the amount of {$1700.00} was transfered to Harris & Harris , Ltd . Upon a call from the company, I informed them that a payment would be made toward the debt. I paid {$1200.00} of the balance with my Healthcare Flexible spending account and requested for them to send me a receipt of this payment so that I can submit it to the Flexible Spending Administrator, because this is required process for the plan. If a receipt of payment is not made, the Flexible Spending Adminstraitor could block the account and require that I pay that money back due to lack of verification. I was initially informed that the receipt letter would be sent. However I never received it. Harris & Harris continued to call me and each time I requested the receipt. The final communication from them was that they would not provide a receipt until the full balance was paid. The issue is that for Flexibile Spending accounts, you have to submit your receipts by XX/XX/XXXX for the previous plan year, so all my receipts for XX/XX/2017 needed to be submitted by XX/XX/XXXX. By not providing this receipt, Harris & Harris , Ltd has jeopordized compliance of my Flexible Spending agreement and I may be forced to pay the {$1200.00} out of pocket and loose the tax benefit of having a Flexible Spending account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CT

Complaint narrative:
I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Financial Services, Inc.

Complaint narrative:
XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX Phone call states it is the XXXX XXXX XXXX XXXX, calling for XXXX XXXX, file # XXXX. To call back @ XXXX. I called repeated times to have them remove our phone number. We are an elementary school and do not have an employee named XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I use the XXXX Credit Card from time to time for promo offers and benefits for over 5 years now with do issues or late payments. However recently I received call my account with delinquent and I have been reported to credit bureau. Obviously this was unbeknownst to be as I had received no communication or notice of any issues beyond a monthly generic email. 

While all other CC i use allow for monthly auto payment, XXXX does NOT. 
Upon calling in I was met with hostile response and accusational tone as I tried to correct the problem. After further digging realized that return was processed causing a small remaining balance ( {$44.00} ) which i then paid immediately. Because XXXX does not allow auto payments or contact customers with notice of late payment this issue was not realized or corrected until after I had been reported to credit bureau. After exhausting every resource with XXXX I am now forced to contact each of the three credit bureau to dispute and missed payment on {$44.00}. They also charged multiple late fees of over {$75.00} during the 60 days until i was notified, which was unfortunately to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX XXXX  continues to increase my mortgage payment every year. I had a loan modification a few years ago as I could not afford the payments at that time, which were around {$1100.00}. XXXX XXXX increased my mortgage payment this XX/XX/XXXX from {$1100.00} to {$1100.00}. My payment was raised again XX/XX/XXXX to {$1500.00}!!!! I originally had a loan modification because I could not afford a {$1100.00} payment. Now my payment is {$1500.00}. I feel they are setting me up for failure. Is this legal what they are doing? I had a temporary loan modification back in XX/XX/XXXX. I need a set payment which I can afford, and my interest rate lowered. I went from paying 3.5 % to 6.5 % interest rate on my mortgage. I am struggling with this, and the bank knows this and does not care.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX. XXXX Calls came XX/XX/18, XX/XX/18, XX/XX/18 CALLER WOULDN'T NOT ID THEMSELVES UNLESS i GAVE THEM PERSONAL INFORMATION, SUCH AS BIRTHDATE, ADDRESS OVER THE PHONE. I DO NOT DO that. If its a debt collection I don't have a clue who.what where & when. To my knowledge, No paperwork was ever received. 
Here is copy of email I sent after I was able to ID thru caller ID on my phone. 
Phone call from FrontLineAssets. XXXX XXXX XXXX FIRST OF ALL I DON'T KNOW WHO YOU ARE AND I NEVER RECEIVED ANY MAILING FROM YOU.What you think I'm STUPID? If you are trying to collect some kind of debt I want to know who, what where & when!! I do not have any paper work referencing your company You call and say is this XXXX XXXX? 
I say : Yea You say : Confirm your birthday and address? 
I ask who are you? 
You say I need your birthday & address I say, who are you? 
You say : Confirm your birthday and address? 
O.K I won't play you stupid phone game. 
I said goodbye & slammed the receiver in their ear. 
XXXX NO I'M NOT GIVING MY PERSONAL INFORMATION OUT OVER THE PHONE.!! 
SO IN CLOSING, I WANT TO SEE SOMETHING IN WRITING ABOUT WHYY YOU CALLING ME! 
IF YOU CONTINUE TO CALL ME IN THE ABOVE MANNER & NOT ID YOURSELF OR REASON FOR YOUR CALL I HAVE CONTACTED CONSUMER DEPT, PA ATTORNEY GENERAL OFFICE.ON SECOND THOUGHT I'M COPING THIS AND EMAIL IT TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Navient has unrightfully denied my attempts to join an income-based payment plan. I have submitted the necessary paperwork 6 times. I have been denied, for various and illegitimate reasons, all 6 times. 

I called Navient Customer service the last time my application has been denied. I was told that the reason I am being denied was because I did not add the words " Gross Income '' to my written Income Statement ( the statement that accompanies the proof of income. ) I was told that after fixing this issue, all my paperwork would be acceptable. Thus, I fixed the issue, yet I was still denied. 

Navient is seems determined to continue to deny my attempts at an Income-Based Repayment Plan, despite the fact that a W.V. XXXX XXXX CAN NOT afford the high, standard payments.

I have been forced into forbearance, until the matter can be resolved.

The only email I have ever received : " We've received your request for an Income-Driven Repayment plan ; however, we're unable to process your request at this time because the proof of income you submitted did not clearly indicate the pay frequency ( i.e., weekly, bi-weekly, monthly, etc. ). In the meantime, please continue making your payments as scheduled. '' ***My last Income Statement is included. Along with this written statement, I have submitted a pay stub from XX/XX/2017, and an application for Income-based Repayment. ***

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hi, PayPal recently shut down my account without warning. They stated that my account was shut down because of " unusual activity. '' They did not ask to see any records or invoices, nor did they ask or try to help me resolve this issue. I then emailed them asking why my account was shut down, and on XX/XX/2018 they sent an email saying my account was shut down because of " unusual activity. '' Why don't they help me figure out a solution? Why don't they ask for more information about my business? Why don't they tell me which kinds of transactions are unusual and why?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Mortgage Assistance Available In The Wake Of Hurricane Chase I was contacted by Chase by phoe and letter informing me of the natural Disaster Recovery program where you can stop paying your mortage and must be 2 months behind and they would bring your loan up to date, XX/XX/2018 and throw the late mortgage on the back end, I have spoken to several Chase loan specialist who explained this to me more than one, so we are 2 months behind and I just found out that we are still 3 months behind and that program was not in effect or ever was, so now after spending XXXX on repairs since insurands only covers 4 % of Dwelling, from the hurricane on the house, we are 3 months behind and our credit is a joke. 

How can they offer a program that was never even in effect and never called or contacted me to tell me each month i called to make a payment they assured me they after XX/XX/XXXX we will be up to date i just paid our payment and we are still 3 months behind, and there is no such program. 

This is totally unfair and I felt they lied and misrepresented themselves. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation