vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My husband and I took out  Parent Plus loans for our  XXXX  kids for college totaling {$110000.00}. We consolidated the separate loans into the one hu ge loan amount and the disbursement date w as  X/XX/2008 .  Unfortunately my husband is in the   XXXX   XXXX   and about same time first payments were due is when financial meltdown happened and my husband lost his job.. What was then  XXXX   XXXX   said to  put in forebearance during this time.. We did.. And had to off and on during the next 5 years or so due to difficulty in finding permanent employment in the financial climate at that time.. During this time we had to file for bankruptcy, sell our home after almost incorrectly being foreclosed on. For last several years we have steady employment and every monthly PLUS loan payment paid in full and on time. ( would like to point out during the time of off and on forebearance we Never allowed our loan to go into default ). Very long story made kind of short our loan balance is currently {$160000.00} from what started as {$110000.00}  loan.. Due to capitalized interest our loan balance has   increased over {$50000.00} ... Insane!! We asked Navient several times along the way to possibly reduce at least a portion of the capitalized interest because that just increases the payment therefore increasing the difficulty to pay.. Was only told they do not reduce interest.. Seems as though at most vulnerable time  Navient  has totally robbed us by increasing loan amount and not being willing to work with us at al l .. We take  this debt as well as all debts with seriousness they deserve.. Those were very unfornute terrible financial times and deserve a little more flexibility and options rating than being taken advantage of.. Somehow when speaking to cust rep at  Navient today I was told our loan term had been extended due to forebearance and also 3 years for graduated repayment.. I assumed the 3 year portion was just part of the loan term. So what started as a 25 year term is somehow now 35 years. ( was told five for forebearance and three for the graduated repayment.. Which obviously still does not add up to  10 year increase ) when asked for another number I could call to discuss these questions over inaccuracies I was told there is no number for that, only an address to mail.. I told him it is extremely hard to believe that a company as large as Navient and he is telling me there is no number to discuss discrepancies..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
On  XXXX  I rented a car from the  XXXX  at the  XXXX   XXXX , IA airport. I signed for all of the collision damage, personal effects, supplemental liability insurance. That night while parked the car was side-swiped with some paint damage. When I took it back to  XXXX , they saw on my receipt that I had the insurance and waived me along. Months later I started receiving calls about collecting a debt for that. I faxed the receipt that showed my signature in the insurance box and thought that was done. Now, just within the last few months I have been receiving calls and letters from the  TSI d ebt collection agency demanding  XXXX . I have kept the  XXXX  receipt all these years, thank goodness, and sent images via email to them . Thusfar I hav e not heard a response. I am very upset about this situation and would like to know what I can do.     Thank you.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On   XXXX   XXXX  , I opened a  Chase checki ng account online. The account was approved, I received a debit card and information to log into my account online. My initial deposit did not go through correctly, so I went into a branch ( the  XXXX , OH branch ) to make a cash deposit of {$640.00}. However, upon sitting down with the banker, he called a phone number about my account and apparently was told it was listed as " restricted. '' He was on the phone for several more minutes, verifying that I was indeed there to make a large deposit of cash, and then told me that if I wanted to make a deposit, I would have to log into my other ( non-Chase ) bank account in front of him, on his computer, and let him scroll through all my recent transactions and look at a recent statement. I did this, even though it made me extremely uncomfortable. No one ever explained why I was being asked to do this.     After several more minutes, he handed me the phone and another unknown  XXXX  employee goes on to tell me that the account that I had just opened was going to be closed, that they were not going to tell me the reason why, and that I would not be allowed to be a  XXXX  customer in the future. Neither the banker or the phone representative would give me an explanation for this. The banker took the debit card that was sent to me and shredded it and told me to leave.     I have never been treated like this by a bank in my entire life. It was humiliating and uncomfortable. If there was an issue with the account ( which had yet to be funded and therefore has not had any transaction s ), they should have been able to be up front with me about it. The banker now has my login information for an alternate, non-Chase bank account. I 'm not sure why the account was approved in the first place if I did n't meet some sort of criteria to be a customer. I went through all the hoops to show that the account ( AND my other, non-Chase account ) were indeed mine. I had several forms of identification, as well as offered access to my other bank and its statements. This was one of  the most horrifying experiences of my life. I can not believe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I believe santander consumer is in violation of repossession back  in 2013. I also have tried to contact them in regards to receiving an itemized billing and payment history. They are sending me letters and harassing me as bills sent to my address are in correct and ruining my credit score since ive had them finan ce the car by  XXXX  Alabama. they do n't answer my phone calls and just made a payment that does n't reflect my account. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent my fourth m and final dispute letter to Experian asking the to either send me proof that the debt is mine or remove the debt from my report per the Fair credit reporting act. However, they did not reinvestigate my dispute and instead sent me a copy of my credit report and stated that they would not reinvestigate my dispute unless I send new 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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: IN

Complaint narrative:
On  XXXX   XXXX ,    2017  I received a phone call from a debt collection company , Apelles LLC  regarding an alleged debt from  XXXX   XXXX .     I sent Apelles a certified letter on  XXXX   XXXX , which I received confirmation for from the post office, stating that I wanted proof in writing within the 30 day prescribed time limit that I owed the debt in accordance of Sectio n 809 ( b )  of the Fair Debt Collection Practices Act. No proof was ever provided.     It is now  XXXX   XXXX , well after the 30 days prescribed time and I have not received any proof of debt and I am getting phone calls stating that I owe the money?!     I will happily pay the debt should it be verified and I will pay directly to  XXXX  but I have not received any verification of debt at all. In fact, back in  XXXX  I received a {$300.00} check FROM  XXXX  as a refund due to them taking money from my bank account after all items had been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is in direct violation of section  605B  of the Fair Credit Reporting Act for your continued willful and negligent of noncompliance of secti on 605B of  the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within  four  business days and to promptly notify the furnisher (  s  ) of that information. Here it is the  XXXX  of  XXXX   XXXX  and it still show on my update report on     XXXX   XXXX   XXXX   account.     Now as I rea d 605B th ere are only  XXXX  reasons a CRA can refuse to block :  1. If the request is made in error. ( It 's not ). 2. If the facts were materially misstated. ( how could they possibly know or obtain evidence to prove that or reach that conclusion ( especially within 4 days ). 3. If  they had knowledge the consumer received goods or services with the transaction ( again, how could a CRA have any knowledge to thi s one w ay or the other ).     They have violated me on at le ast 14 separate o ccasions according to you own records ( see attachment previous disputes confirmation number s )  from  XXXX   XXXX ,  XXXX  thru the present. The fact that they have ignored my request to block or verify the disputed account is evidence that they can not and did not verify the disputed account like they said they did or act incompliance with the law. Their failure to delete or block the disputed account aft er three written requests is also evidence of their willful disregard of Federal Law. They say that they have reinvestigated these accounts but you ve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation o f 1681 ( a ) ( 4  ).     Equifax bears grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. If they can not verify this account they are required to promptly DELETE this information. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I  XXXX  be entitled to under Section  616 and Section 617  regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Got a call from  XXXX  from "  Simms associates '' claiming that my deceased grandmother owed  a debt. My grandmother has been deceased for over a year and have never had any issues like this before. I googled the phone number and read many other stories from people that this company is trying to collect debt from deceased people 's family members. Preying on innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariners Finance is  reporting  XXXX  negative account to the credit bureau for  XXXX  loan and the balance being reported is not accurate. Account #  XXXX  Account #  XXXX  Account #  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 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While at  XXXX   XXXX   XXXX  applying for a home improvement loan with my son, loan  officer su bmitted our information to equifax credit bureau my sons came back but, mine did not.   Loan  officer states that my report was locked or blocked and there maybe some type of fraud involved. However, I called the equifax company twice and both times two different representatives st ated that there was no lock or block found no evidence of fraud and my credit report was open and clear.     I 'm being denied a loan based impart on erroneous information from equifax and/or  XXXX   XXXX   XXXX  branches in the  XXXX  FL area. I hope you can investigate this issue, it appears that person or perso ns may have comprised one or both  of these companies or they equifax is playing with peoples lives not sure who is at fault either company or both but something is obviously wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My wife and I both have had  XXXX  hard inquiries from Chase Bank on our credit report as a result of someone trying to fraudulently acquire a n Amazon Visa Credit C ard. Our credit reports show the these applications were submitted from an address we lived at almost 5 years ago.   The  XXXX  inquiries were on the following dates ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase and they assured me the inquiries would be removed in 6-8 weeks. I am reporti ng this for the simple fact that this is happening to many others across the United States. This needs to be looked into immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is stacking charges to where you get the max overdraft fees, they authorize gas transactions at the pump for   XXXX   so you get with a {$35.00} fee.  XXXX  get pre approved and f all of that night and wait till the account is under that amount before posting it without showing it pending or give you a chance to make a deposit to cover it. Very disappointed with these practices

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 2017-05-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.

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 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
I have sent police reports and text messages to  XXXX   XXXX  explaining the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On  X/XX/2017    there were  two ch arges on my credit card statemen t, one  - {$15.00}, second - {$50.00}. I contacted  Capital One an d immediately and spoke to  XXXX . Advised them I did not authorize these charges and/or purchase anything from either of these companies. My card was then cancelled and he informed me someone would contact me from their  Fraud  Department. They did not, so I called them again in the afternoon. They have the charge of {$15.00} pending and even though they claim they did not take out the charges yet, they did which reflects on my balance that they are taking the monies out. I told them again, over/over I did not make " any '' of these purchases and wanted the monies put back onto my card. They said they could not do anything until the charge was posted/paid on my account!!! Then they would start the investigation which could take up to 30 days or more!!! Meanwhile I am out of monies through no fault of my own on my credit card. Then he said, the  Supervisor,  previously I was speaking with  XXXX  and asked to speak to the  Supervisor,  he said, then after the investigation we  may or may not reimburse you for the charges!!! Even though they have zero liability for fraud charges. I asked and was told, both the transactions cam e in at  XXXX . I reside in PA and am   XXXX   years of age and can assure you I am not up purchasing items on line at this time. In addition, the company of   XXXX   XXXX   XXXX   XXXX   XXXX   as far as I could tell by doing research is for some pet supply place. I do n't even own " any '' pets. The Supervisor I spoke to was very rude by asking me have you ever paid your whole balance in full!! I have never been late with " any '' of my payments w ith Capital One and there was absolutely no need to even ask me such a question except for being ru de, which he was extremely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have sent police reports and text messages t o Capital One explaining  the debt is not mine, and they still refuse to accept the fraud claim. I have appeared to every trial date and reached out to the police. They served my court appearance to my roommate and told him they were trying to collect a debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
credit card company   XXXX   XXXX   had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX   2017  to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for   XX/XX/XXXX  or e nding balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter  XXXX  open with all not mentioned forthwith

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