vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My account was disabled with Navient.
After calling in I was told not to worry my loan was paid in full in XX/XX/XXXX.
In XX/XX/XXXX I realize they are still withdrawing payments from my bank account.
I ask them to please stop several times. I try to log back into my account but it still says account disabled.
It 's ridiculous that an organization like Navient, who I have given tens of thousands of dollars to continues to take from my account when there is no debt to be paid back.
It feels like they are intentionally setting people up for things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have called numerous times asking Trans Union to freeze my credit report. They have yet to do so even after 4 separate calls over the past month, starting in XX/XX/XXXX up until my most recent request on XX/XX/XXXX. They have an online method for freezing credit reports. Every time I try to access that it does not work. The online page states that this service is available TransUnion : Monday-Saturday, XXXX XXXX.-XXXX XXXX. CST Sunday, XXXX XXXX.-XXXX XXXX. CST I have tried multiple times and multiples points in the day and have tried multiple times during the past month. The online freeze request always comes back as not available at this time. I have a screenshot showing it stating " TEMPORARILY DOWN ''. It is always down. When I call to inquire about this, they just bounce me from person to person. I have no idea who to send a letter to in this regard. I could only find the Fraud Assistance Department mailing address, so I did send a letter there. No answer My score continues to go down and down because companies keep hitting my report. My only recourse is to block this / freeze the report and they do not seem capable of making that happen. I believe it is my right to have my report frozen and I should not have to ask for over a month and still be asking.

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 2017-08-09 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: NJ

Complaint narrative:
I been paying a lot of money on my student loans for about 3 years, about 600 dollars and I have n't even been able to get a job for the specialty that I graduate from. I have to get two jobs to get by with my personal expenses and student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I 'm receiving daily debt collection calls from General Revenue Corporation, from a " XXXX . XXXX. '' Last year I also received daily calls from them for over a month until I called them. They were trying to collect a debt from a family member of mine. I informed them that my phone number was never associated with that family member and to stop calling me. They said they would remove my phone number from calls. And they did, for about a year. And then they started calling again about XXXX XXXX, 2017. Their phone number is 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 2017-08-09 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: OH

Complaint narrative:
I disputed a state tax lien with TransUnion on XX/XX/XXXX. I received notification on XX/XX/XXXX they were doing a manual review. The same day, I received another notification results were ready. The report stated the lien had been verified and updated. The court documents related to this are attached. As you can see, they do not meet the requirements under the National Consumer Assistance Plan ( NCAP ). There is no complete social security number nor a date of birth included in the filings. This lien should have been removed from my credit report, per NCAP rules.

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 2017-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I am contacting you today in reference to a predatory loan from santander consumer USA. I know that several other States are pursuing them for subprime auto loans And my loan definitely fits into that category. I 've had the loan since 2012 I 've paid over {$16000.00} on it and I still over {$11000.00}. Looking back-to when I bought the car there was no way that I could have afforded it the dealership I 'm pretty sure move some numbers around to get me approved. I 'm just looking for any information to help me in the situation this car does not even fit the needs of my family any longer, And it 's destroying my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I received a voicemail from a woman on XX/XX/XXXX at XXXX Pacific time. When I listened to the voicemail I could not hear a company name and I could not understand the person. But in this message she stated that if I did n't call back she would sue me. I called today XX/XX/XXXX and spoke with a rep and a XXXX XXXX in the escalation department and advised her of the voicemail. She advised my account was only XXXX past due ... And they would pull call and do coaching. I advised this was not acceptable per any First party Collection laws and or the FDCPA

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
See complaint # XXXX. The issue discussed in that complaint is not resolved. In a letter dated XX/XX/XXXX, Barclaycard responded to my complaint, informing me of a statement credit dated XXXXXX/XX/XXXX. The value of that credit, however, was only 50 % of two of my five qualifying onboard purchases. No credit was provided or has since been provided for my qualifying onboard purchases appearing on the statements that closed on XX/XX/XXXX and XX/XX/XXXX. Accordingly, despite the XX/XX/XXXX, credit, Barclaycard still has refused to provide the advertised benefits in the Business Card Agreement.

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 2017-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
This is the first time I 've been late with this company World Finance in XXXX, Ga. I 've been harassed for weeks. My due date is on the XXXX of the month and I spoke to the branch manager few days after my due date and explained I was trying to come up with the money. I have switched jobs and we are trying to get on our feet. This company 's will start early in the morning and repeatedly call me from multiple numbers ever day and continue over and over again. They are also calling me from unknown numbers and when I do n't answer those they call right back from another number and continue it over and over again. I have saved under contacts at least 8 numbers they call me from. This is harassment and I want it to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I had my initial loan with XXXX and used the income based repayment plan. No issues. Then in 2015 it was sold to Navient and I have had nothing but issues. I have been trying for months to apply for a IBR as I have to do this yearly. I originally filed my W2 and an application as I was told that would be fine. I submitted this in the end of XXXX, however Navient claims they did n't receive it until XX/XX/XXXX. They also state they only accept that form until XXXX. But nowhere does it state that, nor was I ever told this in my phone calls with them. So, in mid XXXX I received 2 letters in the mail on the same date. One stating it was too early to apply for my IBR plan, and the 2nd saying it was time to apply for my IBR plan. I sent everything in a second time only to be told then that the W2 was no longer acceptable, and to please send in a copy of my pay stub. I did this right away, and now have received a notice that THIS is also not an acceptable form to show my income. I 've sent an email to their advocacy department and explained I am trying dilligently to make my payments, and set up a repayment plan, however I am getting jerked around and it feels like they 're doing this in order to make me pay more interest. Today I got a response via email saying there was something I had to log into to read and I never got that. I feel like I am getting nowhere with this company and my only option is to consolidate my loans and have them moved to another lender. This may result in me paying a higher interest. I have made faithful attempts to work with them and ask questions, only to not get the right information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: Equitable Acceptance Corp
State: TN

Complaint narrative:
About a year ago, I was called by a company called Equitable Acceptance saying that they would help me pay on my student loan and I would pay XXXX towards my student loans. However, I later found out that that XXXX was going to something that is said to be a 3 year doc fee. I feel like I was scammed because I asked if this would go towards my school loan and they told me that it would. However, it appears on my credit report as a credit card loan that I have to repay which is XXXX. I would have never signed up for this service had they told me it would not go towards my school loans. I would have just have paid what I owe directly to the people I got my school loans from. They take money directly from my account every month on the XXXX and I called and asked them to remove the loan because I did n't want to continue services and I was told that I had 3 days to cancel and it was well pase my 3 days. They also mentioned that they paid XXXX XXXX XXXX for me thats why I had to repay them. I really need to get out of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It 's company on my credit report that I did not auortized them to pull my credit When I look on XXXX XXXX it had company on there that suppose be move from my credit

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 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-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 2017-08-09 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: NJ

Complaint narrative:
I am trying to go online and view my dispute results and for like the past 2 weeks, it says page unavailable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
XXXX/XXXX/2017 SW Credit Systems reported a Collection account to my XXXX  credit files, once I received the alert I immediately contacted them. I was advised it was for XXXX XXXX XXXX and I advised them it was fraud and needed the fraud department. The gentle man told me they did n't have a fraud department and directed me to online forms to provide to XXXX XXXX XXXX I provided the forms to XXXX XXXX XXXX and the collection agency has yet to remove the account from my credit files though I notified them it is as an result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MS

Complaint narrative:
My home mortgage loan was sold by XXXX XXXX company to Nationstar mortgage sometime in 2015 without my knowledge. During this time Nationstar force placed insurances on this account and increased my mortgage from approximately {$400.00} per month to almost {$900.00}. I had sent in documents showing that I had insurances and that I had never lapsed in my coverage. After calling several times and never getting the charges removed I called the Mississippi State Attorney Generals office to get help. XXXX ( XXXX ) and I worked for about a year to have the charges reduced and/or removed. They were never removed. During the course of this they would not accept partial payments even though I had been told to send my initial payment amount until the charges were removed. After a year and a half of this my credit has been ruined. I can not get refinancing because of this. Also during this ordeal, I was in a major car accident. I would like to become current and maybe get refinanced. Their phone number is XXXX. They have done several people this way. I would pay my ( approx. {$25000.00} in full ). I am trying to avoid foreclosure! XXXX also has a detailed list of the numerous phone calls to rectify my possibility of refinancing. I have approx 50 pages of correspondence to upload or fax. Again I included my AG 's number to confirm the hassles. The XXXX XXXX  representative, XXXX, can verify that we called and faxed this company to rectify the problem. Her contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
I received a letter from this company demanding me to pay them. To my knowledge I have never signed a contract with this company and neither have they provided me with goods or services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RockLoans Holdings LLC
State: AR

Complaint narrative:
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX in the afternoon, I contacted XXXX XXXX, a XXXX XXXX Company via phone. I spoke with XXXX XXXX  specialist, XXXX in XXXX, Michigan. The purpose of my phone call was to make arrangements to change the due of my payments from the XXXX of the month to the last day of the month. There was a two fold reason for this, the first was that I get paid at the end of each month. And second, with changing the due date, I can avoid any late charges. During my conversation, I authorized XXXX to talk with my son, XXXX XXXX due to my XXXX. My conversation with XXXX became a three conversation. My son, XXXX XXXX, XXXX ( the XXXX XXXX Specialist ), and myself. XXXX XXXX Specialist, XXXX informed my son that there was NO WAY where XXXX XXXX can change the due dates to the payments. However, you ( I ) can make arrangements each month before the due date to delay payments. This way you ( I ) can avoid any late fees. I witness via hearing the conversation on the other phone line. On XX/XX/XXXX, XXXX XXXX to debit from my checking account {$110.00} ( Exhibit A - Bank Transaction Number of the XXXX XXXX Payment ). Two weeks later, I received an email from XXXX  XXXX that they ( XXXX XXXX ) did not receive any payments from me ( Exhibit B - copy of the email from ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
This is due to a hospital emergency room visit back in XX/XX/XXXX. The amount owed is {$650.00}. I 've had XXXX, which pays 100 % for all medical expenses since XX/XX/XXXX. XXXX informed me this was paid back in XX/XX/XXXX.
I 've contacted the original debtor, the collection agencies and my insurance company. My insurance company informed the collection agency this invoice was paid to the original debtor. They also contacted the original debtor to notify this had been paid, but the original debtor stated they can not do anything about this, since a collection agency owns the account.
However, my insurance company found out the collection agency has the wrong date of birth, so I keep getting billed for this paid services. I 've notified them of this error, so has my insurance company and the collection agency informed me, this debt would be removed from their system and my credit report.
They still have not updated their system and for over 4 years now, I am still be harassed by them to pay a bill, which has already been paid.
Please help!

Company response to consumer: Closed with explanation