vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My loan is with Navient and there are several issues. They have XXXX sites and XXXX claim that my payments are different and in XXXX different areas there are three unique payments due. When I call they give me yet another amount due - none match whatsoever and the amount that actualy gets taken from my account is another amount. Nobody gives me an answer and I get the run-around every time. They say one thing and take out another. I make payments and they out them towards other loans that I did not request to pay off which are lower interest. This company is a scam and the people that I deal with are just taking orders without compassion for their customer. I recently got a notice for past due payment and they said it was due to XXXX - how is that my fault? I asked for a manager and they stated that there were no managers on staff at the time of my call which is XXXX on a Wednesday morning!!!!!! How is that possible. Again, this company is corrupt and is taking my money. I do not trust them and have been dealing with them for months now. Its not getting any better, but worse. i need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to put inaccurate information on my credit report. I have sent them adequate proof to remove these descrepancies ( debt collections & unauthorized inquiry ) off my credit report. I was denied credit with XXXX because of the debt collection. Experian have not removed the unauthorized inquiry off my credit report, even after I sent them a letter from XXXX XXXX ( the inquiry on my report ) informing them to delete it off my credit report. 
I have written Experian four times, ( the last letter was sent certified ). I have asked them repeatedly to send me the " Method of Verfication '' used in verifying that this debt belongs to me, and I have no received anything yet. Experian keep sending me letters saying the debt has been verified and is accurate. I know this is n't true because my attorney, XXXX XXXX ( XXXX ) could n't get XXXX , XXXX to send the verification that the debt belongs to me ; so XXXX , XXXX dismissed the court case against me. I do n't believe at any time that Experian did a reasonable investigation of my dispute. 
I sent the same documents to XXXX and they finally removed the debt collections off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XX/XX/XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. The account is currently still listed under collections and has an " open '' date of XX/XX/XXXX. It is also listed under public records as 'Filed ' but nothing indicating it as closed or paid in full. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I just requested a credit report ... 
Background about me ... I have been in family courts for 9 years ... 
in and out of XXXX. Court - nowhere to turn for help ... 
My solution ... move to a new address, some place I felt safer ... 
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. 
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... 
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... 
Now I am trying to buy a home ... 
However, the XXXX places I moved from in the past, show up on my credit report ... 
What are my options ... 
Do I have any? 
Thanks. 
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX was my private student loan provider. Upon graduating from college, I called because I heard it is good to try to consolidate your loans. XXXX told me that I was no longer able to consolidate because it must be done after my 4 year program. Since I went to school for 5 years, I was past the time limit and could no longer consolidate any of them. I was a full time student. How can this be fair?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
So my wife and I switched from XXXX to XXXX, and XXXX advertised that " we 'll pay your early termination fee ( ETF ) ''. So we went there and we followed all the steps for them to pay our ETF, and now we 're getting calls from the CBE debt collection agency about a XXXX bill that was never paid. So I called the main office number and the female representative said I should of received a prepaid debit card with the money on it and that I should of paid the termination fee myself and use the card for what ever else. So when I called the store where I pay my bill at the male representative said " well, how it usually works is you pay the termination fee and we reimburse you with a debit card. '' I told him " that was never explained to me when I decided to choose XXXX and if that was the case, then why advertise that XXXX will pay your ETF when I have to pay it myself? '' The representative proceeded to tell me there is nothing tmobile can do for me due to it being passed the XXXX day limit to request a ETF yet I followed the steps that the representatives told me to do. Now my grandmother-in-law and myself have marks on our credit due to the lack of knowledge XXXX failed to provide me with and set XXXX up for failure and the false advertisement that they 're still advertising to this day. Can someone help me or at least point me in the right direction to take care of this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have attempted to contact my servicer of my student loan, Navient, several times over the last 2 years regarding changes to my monthly payment. Periodically, the payment will decrease but I noticed when it does the principal starts to increase and I never can get ahead. I was encouraged by a Navient agent to utilize forbearance at one point when I was having financial difficultie. I then took out additional loans for XXXX school, some in excess of what I needed at the encouragement of both the school and Navient. When repayment began the payments were exorbitant and I was told repeatedly and sometimes with belligerence that I was not a candidate for income repayment. We have, however, not missed a payment since repayment began, but the changing monthly payments are making it so that the loan will never be paid off. I do n't know how much longer this can go on before we too default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On previous trips to XXXX, I have used my Bank of America ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, BoA 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Bank of America ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Bank of America from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Bank of America could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Bank of America, indicating that I would be using my ATM card when overseas. Although BoA did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Bank of America was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Bank of America has engaged in fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-11 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: R & B Corporation of Virginia
State: LA

Complaint narrative:
THESE ARENT MINE I DONT RECOGNIZE THOSE I MOVED FROM THAT RESIDENCE IN 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options.

My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
In XX/XX/2015, I applied for a Chase Slate Credit Card with a promotional offer that would help me improve my credit. The offer was a balance transfer offer. After applying i received a letter from chase that was dated XX/XX/2015. This letter stated that they had received my request for a balance transfer and would transfer the approved amount to the identified account. The account that was identified was the INCORRECT account.The letter advised me that if it was the wrong account or i wanted to cancel the balance transfer that i should notify them by calling XXXX before XX/XX/2015. Upon noticing that they had identified the wrong account I immediately called and requested that they NOT transfer that money into that account and gave them the correct account. Without any regards to my request and complying with their letter, CHASE continued and transferred the monies into the account. I have notified Chase over XXXX times over the phone and have spoken to Credit Customer Supervisors more than XXXX times. I have been given the same story that it would take up to 30 days to process any resolution to this matter. It has been well over 30 days and i have note received any resolution to this issue. Chase has continued to fail to contact me with any solution to their negligence in depositing the money into the wrong account. The option to " UPDATE '' or 'CANCEL '' the balance transfer has been ignored after we complied with there letter and have made repeated attempts to have them correct their mistake. Meanwhile chase has begun to receive payment on an balance transfer that was erroneously deposited into the wrong account and has done nothing to correct the issue. I have now inherited another payment to a XXXX that i did not want the payment going to. The intended Chase offer was to transfer a card with a higher interest rate and a balance that would be covered by their card. Chase chose to pay into a account that would not be covered by the credit extended. Thus creating another debt / bill for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}. 

After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}. 

My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}. 

I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief