vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I took out a loan with Discover Student Loans around XX/XX/XXXX. At the time the loan was taken out, Discover Student Loan transferred the servicing of the loan to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX and Discover Student Loans informed me that, Discover was going to take over the servicing of the loan. Once Discover took over the loan in XX/XX/XXXX, I no longer received phone calls or statements regarding loan. My co-signer received all the phone calls instead of myself who was the primary borrower. During the month of XX/XX/XXXX, I spoke with Discover roughly 5 times regarding the handling of the loan was advised the following : 1. My number was not in the auto dialier used by Discover and representative submitted a request to have my number manually added 2. Discover claimed that on the 2 separate occasions they attempted to reach me that my number wasn't going through their phone system 3. My number was included on the TCPA and therefore Discover wasn't allowed to legally contact myself ; however, I have a legal obligation with Discover Student Loan to repay the debt. During a phone call on XX/XX/XXXX I explicitly provided my consent to Discover to be called and communicated with about this loan. 

I also asked for a complete signed copy of the loan agreement from when the loan was taken out ; however, Discover has not provided that to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: CA

Complaint narrative:
I called and set up a payment program where I would repay the highest-interest loans first. The lady on the phone when I called indicated that this is how it would work. This was 6 months ago. I log back on to my account to see that this is now what's happening ; they've been distributing my payments equally among the loans, not targeting the highest interest loan like I specifically set up. I called them back and they said that this is standard procedure and can't be changed. I am suspicious. I think it is fully within my right to choose which loan I want to repay first, but according to them I can not do this, i must repay in the way that they dictate ( spread out among the different loans and interest rates ). This seems pretty manipulative and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies is reporting an unknown medical account ( s )  XXXX in the amount for {$120.00} ) on my credit report ( s ). I mailed Transfinancial Companies a registered and tracked letter via the United States Postal Service on XX/XX/2018, requesting validation for the debt/account ( s ). More than thirty days have passed and Transfinancial Companies has not responded to my request for debt validation for the account ( s ) their company is reporting on my credit report ( s ). Transfinancial Companies has not responded to my letter requesting debt validation but continue to report the unvalidated/unverified account ( s ) on my credit report ( s ). In addition, Transfinancial Companies placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. Transfinancial Companies never provided me any type of notice and/or communication via mail or otherwise regarding the account ( s ) their company added to my credit report ( s ) .Moreover, I have always retained medical insurance. I contacted my medical insurance carrier and the original creditor regarding the account ( s ) /debt in question and was told by both that I did not have any outstanding medical bills that were not paid in full.

Transfinancial Companies is causing me injury and is harming me emotionally, physically and financially and causing me mental and emotional stress and anxiety, which are  exacerbating and aggravating my current medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian refuses to give me the name of the person who they contacted regarding a reported bankruptcy on my file. The list the source of their information as the US Bankruptcy Court- XXXX . I have contacted the court and they have stated that due to privacy laws, the Court does not disclose information to credit reporting agencies. So, Experian has not properly disclosed, by law, the person ( s ), or agency ( third-party ) who gave them this information. It is well known that the CB 's contact third party agencies for information ; and these third-party agencies sell information to the CBs.It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Court confirmed Experian Credit Bureau has never validated or verified the public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources, unawares to the consumer, and in most cases, incorrectly. A copy of the Court 's letter is attached showing they will never disclose this information to credit reporting agencies.

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 2018-05-02 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: EQUIFAX, INC.
State: SC

Complaint narrative:
When checking my credit report on XXXX XXXX website I noticed a hard inquiry from XXXX XXXX XXXX which I was never asked for nor gave permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 )  Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. 

( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. 

( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact.

( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: Verisk Analytics Inc
State: CA

Complaint narrative:
CLAIM DISPUTE REPORTED BY BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claim : XXXX   Loss Date : XX/XX/XXXX Loss Cause : WIND  Paid Amount : {$1700.00} Action : We did not get paid for this amount but XXXX XXXX XXXX Claim : XXXX  Loss Date : XX/XX/XXXX Loss Cause : MOLD Paid Amount : {$250.00} Action : We did not get paid for this amount but XXXX  XXXX  XXXX The report from XXXX ( XXXX ) shows that as if we got paid for these amounts, which causes us a " DENIAL '' of home insurance coverage with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
XX/XX/XXXX-Finance Manager at XXXX XXXX agreed to hold contract for 3 days until I seek a better interest rate. On, XX/XX/XXXX, I informed him that I'd received a better interest rate and that he is to cancel the previous contract. He submitted the previous contract anyway be cause he didn't believe that I actually got a better rate and that his boss was pressuring him to submit it due to end-of-month sales. I went into the dealership on XX/XX/XXXX to demand a cancellation of the contract. Since XX/XX/XXXX, I have been trying to get this contract cancelled. I've gotten no cooperation from the dealership. I contacted American Honda Finance to inform them of this fraudulent loan but they said that the dealership has to cancel the loan contract. This is truly a case of discrimination. I have voice recordings of all meetings with everyone I met with at the dealership. Even the Finance Manager who submitted the loan contract admitted to his actions and the discrimination behind it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a payment was past which it was not please see payment history attached and please correct this inaccurate remark Account showing XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I sent certified mail to TransUnion and XXXX credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?

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 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
First of all the worst thing i did was get a loan to go to school. Secondly i have been applying every year for a lower interest rate. As i apply every year the interest keeps going higher and higher as of course the point of Navient is that i pay the interest more than the principle. It was time again to reapply for the help but it has been three weeks since they have answered my emails. I did receive a call from a Navient Customer Service rep after i emailed who i believe is the head of Navient XXXX XXXX. i have sent several messages to him begging for help as my payment is coming up and the next payment would be double what i have always paid. i am not denying to pay but i really need the interest lowered so i can continue paying. I will work with them but i still need to feed my kids and put a roof over their heads.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX BANK Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX SERVICES XXXX Date:XX/XX/XXXX XXXX : XXXX Date:XX/XX/XXXX XXXX : XXXX OWNER Date : XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX  XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: AL

Complaint narrative:
Last year my XXXX  son was born and XXXX XXXX sent me a live-check in the mail [ I did not apply for a loan - somehow they knew that I desperately needed extra monies ... ] that I deposited into my bank account because of financial struggles that I was, and still am, experiencing. I thought I correctly enabled automatic payments to be issued from my bank but clearly that is not the case. Today I received notice from my employer that my wages will be garnished per a small claims judgement that was made without my knowledge or consent. To this day I have not received any notice from XXXX XXXX OR the local court of these above mentioned court proceedings. I never received any type of phone calls or letters regarding default payments, court summons, court date, etc. Given the opportunity I will gladly work with XXXX XXXX to set up for payments to be automatically drafted from my bank account and mailed to them on a monthly basis in the form of a check. I feel it is unfair to me, as a consumer, for the loan company to take this kind of action without first talking to me and making me aware that my payments have not been going through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
On XXXX XXXX, XXXX I sent certified mail to XXXX and Equifax credit bureau 's to have credit inquiries removed from my credit report. These inquiries were made without my persmission and should have to be investigated. I never received word back from the credit bureau 's after 30 days, which means they should be removed from my credit report. I also read that a tax lien should be removed from my credit report which was filed in XX/XX/XXXX. According to several web sites, starting on XX/XX/XXXX consumer credit reports were to have all tax liens removed from their reports. I am asking for 6 credit inquiries to be removed of the 8 showing on my credit report. The only two inquiries which were authorized were, XXXX XXXX XXXX XXXX and XXXX. These are correct and should be on my credit report. The others I did not authorize and should not have ever been allowed access to my credit report. Could you help me with this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have a account through Paypal and they have held XXXX dollars of my money for over a week. It was a payroll check from my employer for the first two days I called once a day and they said it was a issue on there system. from the third day on I called five times a day and finally got them to show it in my account and walk through the transfer to my bank account and now they are holding it pending and first I was told one day then five days or whenever its free its free yet my bank show no transfer or pending transfer and I keep getting excuses and being told that I will get a call back yet never due. That is my payroll money and I use it to provide for my family and I asked them to cancel the transfer and make it available so that I could get my money another way and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
In XX/XX/2018 I closed a checking account with Citizens Bank and had no checks outstanding or debits from debit card. A month later the bank put a dr or debit for {$270.00} for service fees and overdrafts and sustained overdrafts. I am a XXXX year old XXXX XXXX veteran. The bank does not care that the only thing that reopened and caused this negative balance was their fees. They call my landline phone harassing me and I want them to cancel out those fees after I closed my account and stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I have had many problems with this company. XXXX XXXX sends me letters stating they are lowering my account balance due to my credit score being low. But my credit score was increasing at the time of them lowering it. This time they closed my account due to inactivity because I havent used my card in two months. They stated they can not reopen nor will they reopen and that its my problem. They have very poor customer service no matter who you talk to or how far up the chain you go. I have been hung up on for asking to speak to someone higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX  XXXX credit card serviced by XXXX XXXX reported late pays on my credit report after several attempts to reconcile and pay off my credit card balance. 
When the card was first opened I contacted them to set-up auto-payment. They scheduled a recurring payment of {$100.00} every month until balance was paid in full. 
The very last payment of {$100.00} was not taken because my balance at the time was only of {$14.00}. I called and manually paid the last amount owed of {$14.00}. I then hit with a late fee that was never disclosed to me at the time. I was penalized and paid a total of {$57.00} on XX/XX/18 in fees after my balance was completely paid off. I spoke with customer care collections supervisor, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MS

Complaint narrative:
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to Ad Astra collection agency requesting documentation this agency has the right to collect on a discharged debt. Ad Astra sent me a letter advising me this collection was assigned to them ; however, Ad Astra fail to provide me in writing any written agreement between Ad Astra collection agency and XXXX XXXX. The information provided was the loan agreement signed with XXXX XXXX, whom choose to charge-off this balance. I contacted Ad Astra by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between Ad Astra and XXXX XXXX ). Ad Astra representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and Ad Adstra doesn't have the right by law ; Ad Astra change the reporting payment to reflect past due which cause my credit score to drop by 12 points.

Company response to consumer: Closed with explanation