vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I applied for and received a XXXX XXXX XXXX Credit Card from Banco Popular Puerto Rico with an established credit limit. I paid the annual membership fee for the card. I was able to utilize the card for approximately one month without a problem. I tried utilizing the card for the purchase of XXXX tickets ( It is after all an XXXX XXXX XXXX Credit Card ) and the transaction was denied, with all payments being current. As soon as I received the first statement, the account was paid in full. However, I was told the account was under investigation and asked to submit a copy of my drivers licence water bill AND electric bill. I have never had to submit water and utility and driver license to a card issuer after the plastic has been issued to any other credit card. This seems like a scam to utilize private information The account seems still locked and another payment ( not yet billed ) for all outstanding purchases was made. I have tried calling the issuer on repeated occasions and asked to understand what the issue was and why the account has been blocked. The drivers license water bill and electric bill were submitted to the issuer more than two weeks ago. When contacted the issuer once again, the representative told me that the account was being investigated for no reason and further told me that they could not furnish the information to me about my account. When asked to talk to a supervisor, the representative XXXX XXXX told me that was not possible and that there was no way the bank would tell me what the situation was. However, thee bank was efficient in collecting the annual fee for membership. Once again, since no information has been provided, I question the integrity of the bank, the co branded airline, and the intentions with consumers.

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 2017-08-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The courses that I was scheduled to take were never offered. They were too few students the school stated to offer the courses and as evidenced by their own accounting transcript classes were cancelled and that there was no teacher available for classes that I was present for. Allegations that I missed classes are erroneous and false. The school promised to provide a quality technology experience that would help me to get back into the workforce. It did not and was not prepared to do so. I signed for an original loan of {$10000.00} but the loan amount was changed on XX/XX/2007 without application for additional funds doubling the loan amount to {$19000.00}. I was not scheduled nor did I apply for a second semester of courses but the school attempted to show on the transcript provided that I did and that I did not attend the classes offered. I have secured all of the documents from the school to support my allegations. To date I have paid over {$30000.00} back on a loan of {$10000.00}. We continue to pay the loan to protect my credit. Navient also indicates that I have missed recent payment but I pay each month. My contention is that the company fraudulently assigned another XXXX to my original loan amount without my signature for classes that the school did not offer and had no intention to offer and for which I did not sign register for. I have attempted for ten years to rectify this situation. I have the relevant documentation to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.

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 explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.

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 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
About a month ago I called Capital One to increase my credit line. My credit card has a credit limit of {$2700.00}. I wanted the amount to be increased to {$3000.00}. I called and asked the representative if I get a credit increase will this be a soft hit on my credit or hard? Since I have been with Capital One is it possible to receive an increase on my credit card. The representative tried to increase the credit and I was denied. He then told me that I could apply for another card. I did not want another credit card at the time I just wanted an increase. I did apply for the credit card and was approved for a credit limit of {$3000.00}. I have 2 concerns with this issue. The first is that I only wanted the credit increase for {$250.00}. I was denied and this went on my credit. Then I had to apply for another card and was approved but the interest rate is 26.99 % which is ridiculous. I now have the second card in which I really did n't want but I am responsible for it now. The interest rate when applied to my card is {$60.00} in fees. If I pay {$30.00} a month which is what is asked by Capital One for this second card I am not even making a dent in the paying for the card. I would like the fees and APR lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Big Picture Loans, LLC
State: NJ

Complaint narrative:
I received multiple phone calls from company regarding documentation sent to their office with a case number & that they were to deliver documents to my home for legal action about a debt that is owed. ( They called and left voicemails on XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX. They also called my mother 's cell phone multiple times harassing her & trying to reach out to me. After I returned the call, I left a voicemail and someone named XXXX XXXX of XXXX XXXX XXXX returned my call. He stated that a loan was taken out in my name with Castle Payday Loans on XXXX XXXX, XXXX for {$1000.00}. He asked me to authorize my social security number and that they will pursue legal action if I refuse. He said I will be served papers at my place of residence between 3-5 pm today ( XXXX XXXX ). I have NEVER taken out a loan with Castle Payday, nor have I ever heard of or pursued a loan from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: FL

Complaint narrative:
For many years, I have been paying an extra amount ( {$100.00} I believe ) a month as to pay off my student loans early. Two years ago ( XXXX 2015 ) I was purchasing a home and my lender told me my student loan payments were too high. I called Navient and requested that they return my payments back to the original agreed monthly amount ( $ XXXX ). I was told by the company that this was not possible. The only option they offered was a solution to reduce my payments over the following two years and then increase them. I protested several times and they continued to say that this was the only solution they could offer. My payments have now ballooned to $ XXXX a month. Now that I am aware of the lawsuits against this company I realize I have been defrauded by misinformation. I called them again today and requested that they reset my loan back to the original terms and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I have previously submitted a complaint towards Navient and how they made me pay interest while I was in school. When I submitted this complaint, Navient responded stating I stopped being a XXXX XXXX student and that is why I had to begin paying interest while I was still in school. I did not have a full time job during this period of time, so I was constantly stressing trying to figure out why and how I could pay for my loans while I was still in school. Naveint sent me this response to my complaint. " Your Subsidized Direct Loan was disbursed on XX/XX/XXXX. For subsidized Direct Loans disbursed between XX/XX/XXXX and XX/XX/XXXX, you are responsible for the interest that accrues during the six-month Grace Period. Your loans are entitled to one uninterrupted six-month Grace Period. You Grace period began when you withdrew from school on XX/XX/XXXX and ended on XX/XX/XXXX. Then your loans entered repayment. You did not return to school at least half time until XX/XX/XXXX, at which time, your loans were placed into an In-School Deferment. '' I was in fact a XXXX XXXX student from XX/XX/XXXX-XX/XX/XXXX. I never once deferred enrollment. The fact that they did n't even call to confirm if I deferred from school or not is appalling to me and extremely irresponsible on their part. To assume I stopped going to school, and to begin harassing my parents to get me to pay the loans is unfathomable to me. They kept calling and calling and saying that I would have bad credit if I did not begin paying. Not once did they mention in the calls that I had to pay interest because I " was n't in school ''. I have proof of my full time registration at XXXX. I want this issue to be addressed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern : I have recently been informed that there are negative information reported by USAA savings Bank in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX run inquiries, bearing my wet signature, USAA Savings Bank, XXXX XXXX, and XXXX XXXX XXXX sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
After obtaining a recent credit report, I noticed that a debt from 3 years ago was still reporting as negative on my credit report. I tried reaching out to Diversified consultants, and they refused to remove the negative info against my name even tho it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is a consumer as defined in 15 USC 1602 i, 15 USC 1692 a 3, and 15 USC 1693a 6. Navient is attempting to collect an alleged debt while using misrepresentation and deception. As defined in Title 15 US Code 1693a 9, a financial institution is a person holding an account belonging to a consumer.
An account, defined in 15 USC 1693a 2, is an asset account for personal, family, and household purposes. Communications from Navient are misleading and deceptive.
This consumer has contacted Navient on attempts to show within the laws of the United States that the above codes are accurate. These attempts have been ignored and misdirected. Also, this entity is sending communications to family of the consumer at different locations PRETENDING to not know how to contact this consumer. More deception. According to XXXX this entity shows an annual revenue of nearly 60 Billion Dollars!!!!! https : XXXX The CFPB recently sued this entity for deception. XXXX XXXX XXXX, Consumer/Creditor is claiming actual damages, pursuant to 15 USC 1692 k A 1, in the amount of {>= $1,000,000} USD.
[ 2017 Navient Solutions , LLC . All rights reserved. Navient and the Navient logo are registered service marks of Navient Solutions , LLC .
Navient Corporation and its subsidiaries, including Navient Solutions, LLC, are not sponsored by or agencies of the United States of America. ] According to the Navient website, seen above, this entity is not sponsored by or an agency of the United States of America. Unlike the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore has referred my home for foreclosure my loan was securitized and place in a trust where XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the alleged trust. The assignment are fraudulent and robo sigend and they were conveyed after the cutoff date of the loan trust, they have refused to work a modification on my loan, i dispute the said balance and i do not believe that Rushmore or the trust name herein are the rightful party of interest in this matter. I have removed the power attorney from the borrowers waive of rights in XXXX XXXX records and Rushmore/ XXXX Trust do not have permission to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
ocwen loan servicing, llc requested that my home be foreclosed onXX/XX/XXXX. XXXX XXXX XXXX XXXX is using a fraudulent assignment that robo signed. XXXX XXXX is the XXXX for XXXX XXXX XXXX XXXX XXXX this trust has a cut off date for mortgages to be conveyed, and the assignment being used was done after the cutoff date in section 201-of the pooling and servicing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
We started the process for a short sale on the property on XX/XX/XXXX. the servicer ( Caliber home Loans ) ordered an interior value of the property, the interior valuation was completed on XX/XX/XXXX. The interior value came back with a value of {$210000.00} for " AS IS '' price. The investor ( XXXX XXXX ) and the servicer decided to increase the market value to {$280000.00}. We submitted a value dispute based on the interior condition of the property, the major non-cosmetic damages and comparables in the area. We provided enough evidence for the investor to reconsider their market value with accurate and current data as per their guidelines and the investor is denying our request and would not reconsidered the over priced value. this is an unfair practice in the market now days and we believe the Federal Government and authorities should be make aware of these type of situations since this is a total malpractice and are preventing home owners in a default situation a fair shot to start their lives from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BoA opened a credit card in my name to a party in Washington State ( I reside in Michigan ) Shortly after opening this account, I received calls to my personal cell phone from BoA about fraudulent activities on this unauthorized account. I received " welcome to BoA '' letters at my home in Michigan. It seems obvious to me that BoA knew full well they were opening an account and issuing a credit card fraudulently. If BoA ( with whom I 've never done business ) had access to both my cell phone # and my home address, it seems only reasonable to assume somebody there knew this was n't proper. I have suffered no financial loss, but has required a lot of my time to contact credit bureaus to clear my name from this mess.

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