vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I had my student loans through Navient ( formerly Sallie Mae ) prior to XX/XX/XXXX when the PSLF started and I also started my job in public service. During that time I had several conversations with Sallie Mae staff confirming my status in the PSLF program. Each time Sallie Mae informed me that my loans were eligible for the PSLF program and there was nothing needed on my part. In late XX/XX/XXXX I called Sallie Mae for another reason and again asked about the PSLF program. At that time I was informed my loans were not eligible. I had lost out on several years of payments toward loan forgiveness due to the incorrect information provided by Sallie Mae. On XX/XX/XXXX I called Navient to request the notes on my account for supporting documentation and was told they do not provide call notes to their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened 2 credit card accounts with Bank of America as Ive been an existing customer for quite some time, i opened the accounts as i needed the funds for specific reasons. I have never been late on an existing or new account and have been ALL my bills on time. However the bank did a periodic credit investigation and found i charged too much and and balance was too high. I wouldnt have opened the line of credit if i didnt need it. However rather than look at my payment history or allow time to pay down the balance they closed all of my accounts causing my score to significantly drop to where i can not apply for credit. 
I understand rules but i can not understand how such a large establishment can cause such egregious harm to a consumer. 
This has caused unneccessary hardship!

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 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Good morning this is in regards to a debt not owed to southwest credit. responding to other complaint to southwest regarding XXXX XXXX I currently am in contact with XXXX and my contract is with XXXX and my payments go directly to XXXX. 

Everyday I get harassment calls from XXXX XXXX XXXX and I have asked them to stop calling. I do not have a contract with Southwest credit which is trying to collect a debt not owed to them. In previous complaint southwest sent over to you copy and paste information of XXXX which is not valid. 

I am asking southwest to remove themselves also from all 3 credit bureaus which they have to right to add themselves when in fact I am paying XXXX not southwest. 

Again I do not have a contract with this 3rd party agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XX/XX/2014 Ordered $ XXXX {$31000.00} Alliance one harrasment made me go to XXXX   and i got my credit XXXX.

Single dad XXXX XXXX children Oh wage garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a student loan balance from XXXX/XXXX XXXX XXXX on my Experian credit report that is incorrect. This balance, paid in full, is correct on my XXXX and XXXX credit reports. I tried to file a dispute with Experian to resolve this. This student loan was paid in full in XX/XX/XXXX and it is still showing a balance on my Experian file. When I received the dispute resolvement letter from Experian today, XX/XX/XXXX and it was not corrected (??? ), I followed directions on the letter and called XXXX/XXXX XXXX XXXX. The XXXX XXXX XXXX representative told me that they reported to Experian on XX/XX/XXXX that the account had a XXXX balance, and was paid in full in good standing. I then called Experian to try to resolve this. First, it is almost impossible to get to talk to someone in the dispute center, when I finally navigated my way there, the representative was very rude, disrespectful, and unhelpful. I told her that I had documentation and that they had received the same documents from XXXX XXXX XXXX. She informed me that the company stated there was no change in my account so that is why they ( Experian ) made no effort to correct my account. So if that is what XXXX XXXX XXXX told them, 'no change in my account ', there was no change because the account had been paid in full since XX/XX/XXXX. There seems to be a little bit of effort that needs to be put forth by Experian when 2 of 3 credit reporting agencies show a XXXX balance and they don't, to maybe dig a tiny bit deeper into the issue. The Experian representative very rudely told me to mail in or upload my letter, told me to have a nice day, and hung up. There is obviously a disconnect between these credit reporting agencies and the credit companies. These companies are in control of the things we can finance as well as the jobs we can get, so it would be great if they were actually working for us and not against us.

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 2018-05-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
On XX/XX/XXXX I was given a call by Oracle Financial Group LLC by XXXX XXXX who had threatened me with legal action if I did not pay them money. They told me also my credit would be damaged dramatically if I did not pay. I did end up giving some card information for my payments and was cooperative, however, XXXX did not send me any paperwork or taken action to sue me, which she said they were going to. They used scare tactics in order to have me give them my card information and only from a debit card or credit card.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I paid Navient off on XX/XX/XXXX. I ended up overpaying by {$480.00} and they said they would refund the money in a form of a check in about a month because they do not send electronically. I no longer gave them permission to draft from my account since loan was paid in full. 

On XX/XX/XXXX I contacted Navient because I still had not received the check. They said to give it ten more days. When I went home, the check was in the mailbox ( XX/XX/XXXX ). 

On XX/XX/XXXX, they stopped payment on the check and took {$480.00} from my bank account along with {$5.00} for stopped payment. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) and they thought I stopped the payment. I contacted Navient on XX/XX/XXXX and was told that I emailed them and asked to get an refund electronically. I spoke with them on XX/XX/XXXX and questioned why I could not get it electronically but never emailed them and requested that they stop any check. 

I asked on XX/XX/XXXX to speak with a supervisor and at first was told the call volume was to high. I said I will wait. I emailed Navient with a complaint and then shortly after that a supervisor came on line. I was told that. my refund was already in the process of being sent electronically and I should see it in my bank today. So far it is not even pending. THEY LIED TO ME. 

I am on the phone with them now ( XX/XX/XXXX ( XXXX XXXX Mountain Time ) and the representative does not appear to know anything about yesterday. I am on hold for a supervisor. The representative told me I had to wait 13 days to get my money back. I told him NO-I was told yesterday that it would be put back today electronically that I have bills coming out. THEY DID NOT CARE AT ALL. They told me it was miscommunication-it was not miscommunication. They are from XXXX and appear to read from a script and do not appear to comprehend. 

I need help in getting my money back. 
My account number for Navient is XXXX The number I am still on hold with is XXXX I am asking to speak with a supervisor because the representative refuses to give me a confirmation number that my money is being returned. I was told to talk with my bank. I told him that my bank said to get a confirmation number- that they have one. Now the representative is saying they do not have one that it is in the back. I told him to go get it from the back. No supervisor has come on to help me. I am back on hold again. I told them I was making a complaint to the Consumer Financial Protection Bureau and they do not see to care. 

I do not know how long I will be on hold so I will finish the complaint. 

A supervisor just came on the line ( XXXX ) and said that I should receive my money back into my account in 24 hours and gave me a confirmation number. This happened after I said I was on line with The Consumer Protection Agency filing a complaint. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I RECEIVED A LETTER FROM XXXX XXXX ( COLLECTION COMPANY FOR XXXX XXXX XXXX ) SOME FEW DAYS AGO ABOUT CLOSING MY XXXX XXXX WHICH HAD BEEN IN COLLECTION AND THE LETTER SAYS THAT THE ACCOUNT HAS BEEN CLOSED AND TAKEN OVER BY SOMEONE ELSE BUT IT IS STILL REFLECTING IN MY CREDIT REPORT AS OPENED EVEN THOUGH THEY SAY THAT IT IS CLOSED AND IT HAS CAUSED A DEROGATORY MARK WHICH HAS LOWERED MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I graduated but have been unable to get any job but a part time job with XXXX XXXX. 
I have 4 loans with Sallie Mae and I am paying $ XXXXmonth on 1 and the rest are in default because they require me to pay way more than I make and my Mom can't afford an additional $ XXXXmonth payment. But they make calls to everyone even people that aren't relatives. I don't even know the people 's number they are robo calling. I was getting 8-10 calls a  day as well as my Mom. Then I heard from a cousin I haven't seen in 10 years that they called him about me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from 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 2018-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Recovery, Inc.
State: NE

Complaint narrative:
I receive 3-4 calls a day on my cell phone from an anonymous caller, only labeled as XXXX NE. 9 out of 10 times that I answer, I hear 10 seconds worth of clicking/beeps then the call hangs up. Several weeks ago an individual said hello, asked for XXXX XXXX and stated they were with Merchants Credit Adjusters and then demanded my social security number. I refused and asked what they were calling for and she again demanded my social security number. I informed her to not call me cell phone again and hung up. My phone rang within 2 minutes from the CID XXXX NE, I did not answer. They continued to call harassing me every day. Today, XX/XX/18, I answered and after 10 seconds of clicks/beeps a woman identified herself and asked to confirm my name and address. I answered, she stated she was calling from Merchant Credit Adjusters regarding {$21000.00} in medical bills. I have never had more then a typical doctors visit. She stated there were two debts, one to Nebraska for furniture stuff?? And one to XXXX for a car?? I asked her how furniture and a car are medical debts? She rudely asked how I was going to pay today! I asked her to send me something in writing because she was not clear on what she was collecting on. She again rudely and abruptly shouted we have, you need to pay your bill. I asked if she was calling my cell phone using an automated dialer as that is a violation of the TCPA. She states they were allowed to use an automated dialer and again to pay my bill. I again told her not to call my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I had a bankruptcy discharged in XX/XX/XXXX. XXXX waited 10 years after my bankruptcy and put it back on my credit. I had to fight with all the credit bureaus to get it removed. I sent in my bankruptcy papers to Equifax to have it deleted. Equifax ADDED the bankruptcy to my credit file. I spent 3 hrs on the phone arguing with them to have a young woman from overseas state that my bankruptcy was filed in XX/XX/XXXX and would remain on my credit for 10 years. I sent a schedule showing them listed as an unsecured creditor and also the discharge papers. Equifax will not admit they made a mistake by placing an 11 year old bankruptcy on my credit and said I needed to dispute it. Why would I need to disputed something they added to my file incorrectly? I have been going in circles with them regarding this bankruptcy and I am at wits end. Please assist me with this. They Equifax operator said the bankruptcy has never fallen off my credit ... from XX/XX/XXXX??? This is unreal!!! These credit bureaus do not have the right to ruin lives and upset you day to day life style ... and then take their time to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10 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: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I had an American express green card, i called their customer service line regarding a question about my reward points. I was offered an upgrade to a platinum card by the representative. I declined the offer because of the spending terms, Then he said he could upgrade me to a gold card. I accepted. i received the card in mail. About a month later i received two statements and called American express to find out when they would be merging my green card account with my gold and they informed me i had two accounts. I said i did not want two accounts they said i can just close the green card. I advised I did not want to do that because it would negatively affect my credit rating and that is not what i agreed to do. They said I did. I filed a complaint with American Express. Then i finally got a response back 5 weeks later after several other phones calls and was told that the recording has the representative reading a disclosure to me and that means i was told i was opening a second account. I told them the representative did not explain what he was reading disclosure for, i assumed it was normal protocol for upgrading. I asked for copy of recording they refused said i have to get a subpoena and mail it to them for the recording, i asked if we could listen to call together and they said no. Then the supervisor said she could speak no longer about the situation. If American Express is going to use a recording to make a decision that affects my credit why cant i at least hear the call? I need American Express to correct my credit Bureau so i do not suffer any adverse consequences on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank is engaged in financial discrimination by blocking my access to credit. I have had three transactions recently rejected ( two from vendor XXXX XXXX and one from XXXX XXXX at {$35.00}, XXXX and XXXX, respectively ). Two were done on XXXX and one on XXXX and they were for collectibles such as foreign banknotes and coins. When I contacted Citibank twice on XX/XX/XXXX and XX/XX/XXXX I was told by both supervisors ( XXXX # XXXX XXXX and XXXX XXXX XXXX ) that the transactions were coded by merchants and XXXX as crypto-currency therefore they were blocked. Since I have never purchased or owned any crypto-currency I requested Citibank to provide the merchant/transaction code that would point to that characterization of the currency. The Citibank refused to provide it. One vendor made a statement to me that " I have never owned any crypto-currencies, but I did have another customer tell me the same thing. '' It is evident that Citibank is engaging in discriminatory practice and blocking my access to credit. Furthermore Citibank is preventing me from reaching a {$3000.00} spend which will qualify me for XXXX AA bonus miles withing 90 days of account opening.

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 2018-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This company by the name of Portfolio Recovery has bought a bad debt from XXXX XXXX bank and Portfolio Recovery service has Re-Aged the open date when they bought this bed debt from XXXX XXXX XXXX I have tried calling XXXX XXXX XXXX they have no records of this debt also I have requested Original Contract of this debt Portfolio Recovery Keeps sending me letters stating I owe this bad debt they bought how is the law allowing them to Re-Age or change the original Open date this is false open date there is no original contract this is a bad debt. Portfolio Recovery needs to delete of my records permanently

Company response to consumer: Closed with explanation