vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-11 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: FL

Complaint narrative:
Constantly being sent correspondence through mail non of which makes any sense. Amounts Due is inconsistent fees are astronomical and when responding through email to service rep for forebearance or assistance no response is received. My loan is delinquent and the balance is too high to ever pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank : Bank of America Account type : credit card account # ending with XXXX. 

XX/XX/2018 1. Payment due date : XXXX of each month. 
2. I initiated a payment of {$670.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
3. Bank charged me {$25.00} on XX/XX/XXXX for making a late payment. 
And an interest charge of {$6.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
4. No email or text or phone call alert system to alert the customer of the late fee and interest posted on the account. 

XX/XX/2018 1. I initiated a payment of {$330.00} on the XXXX of XXXX as I forgot to make the payment on the XXXX of the month. 
2. Bank charged me {$31.00} on the same day for making a late payment. 
And an interest charge of {$2.00} on XX/XX/XXXX ( which was later removed after I made a phone call request to the customer rep ). 
3. No email or text or phone call alert system to alert the customer of the late fee posted on the account. 

Inquiry call : XX/XX/XXXX Bank customer rep denied the request to waive the late payment charges. 
She informed me that the Bank doesn't inform the customer whenever a late fee or interest money is charged to the customer account. 
The only way to find out is if the customer goes online or make a phone call and inquire about the transactions. 

As a customer, I feel this is a predatory policy of the bank that they are not courteous enough to alert the customer if they are being charged such fee. As a matter of fact, the online account has no option for if a customer wants to be notified by the bank when aforementioned fee are posted on the account. 
So, unless that customer goes back and check their statements thoroughly they could be paying late fee and interest charges even though they have paid off balances.

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 monetary relief
Consumer complaint received 2018-08-11 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: MS

Complaint narrative:
I have been having major issues with Navient ever since they acquired theses student loans from XXXX. I have tried to put these student loans on an Income-Based repayment schedule at least twice and now they are saying that I am at least 60-days past due!! I do not understand what is going on. Please see the time line listed below : 1. Statement Date : XX/XX/XXXX : Navient stated that current and past due amount is {$0.00}. However, the letter also states that the amount payment due is {$250.00} in unpaid fees. How can you calculate this amount from a {$0.00} amount due? 
2. Date : XX/XX/XXXX : Navient stated that the 12-month IBR period will expire soon and to continue with the plan, please reapply XX/XX/XXXX. A IBR request was made on XX/XX/XXXX, so how is this possible? 
3. Date : XX/XX/XXXX : Navient stated that on XX/XX/XXXX, the loans enrolled in an IBR plan is set to increase to {$1100.00}. 
4. Date : XX/XX/XXXX : Sent Navient another IBR plan. 
5. Date : XX/XX/XXXX : Navient stated that as of XX/XX/XXXX, the outstanding past due payment is {$1100.00}. 
6. Date : XX/XX/XXXX : Navient stated that the account is 30 or more days past due in the amount of {$2200.00}. 
7. Date : XX/XX/XXXX : Navient stated that the account is 60 days past due in the amount of {$2200.00}. 
8. Date : XX/XX/XXXX : Navient stated that the payment in the amount of {$3400.00} is seriously overdue- let us help. 
9. Date : XX/XX/XXXX : I sent Navient received a certified letter from me, demanding proof of these alleged proof of debt and charges As of today, Navient constantly call me at least 5 times a day and leave numerous voicemails on my cell phone. They are unwilling to abide by the IRB plan that I have submitted twice nor will they provide proof that they can collect on these accounts. I am having multiple health issues to the point that I just recently had to take sick leave from work!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter-Warfield was assigned a missed {$24.00} flex pay from XXXX which went unpaid when I did not not enter the renewal for my credit card with a new expiration date. They REFUSED to send me a written bill, They REFUSED to answer the phone. Then they REFUSED to answer my numerous voice messages that I left for them ... because hey its only {$24.00} bucks and they can not be bothered. Since they are so shady I REFUSE to make an automated payment. I will only pay by traceable check or money order. I am not going to place myself in a position where they are enabled to rob me and max out one of my cards or clear out my bank accounts. They are shady and frightening!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
On XXXX and XXXX two collection reports were reported by ADASTRA Recovery. One was from XXXX and the other is from XXXX XXXX XXXX according to my credit report and were both for in the amount of {$310.00}. I have never opened these accounts and have told AdAstra that my accounts were compromised during that time. I had previously had some ATM theft so i filed a police report on XXXX when I noticed my identity had been stolen. XXXX XXXX documented the identity theft and then i filed a statement with them on XX/XX/17. After all the tourment I assumed it was over, Untill 5 months later as ADASTRA had told me that XXXX and XXXX had reported this 6 months after. I have mailed in the requested documents and 11 months later this is still open. {$310.00} is not even a large number, im just not willing to pay for it if i didn't open these accounts. I really do not understand why I have to suffer with a lower credit score when these are completely fraud deposits to someone using my identity. The only thing they could verify with me was that the user had used my mothers maiden name. Completely not fair when i hope you know someones moms maiden name when they just stole all your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I submitted to Equifax credit reporting agency an Affidavit of identity theft, a police report and a summary of events detailing how for the past 5 years I have been a victim of identity theft. 

I requested that Equifax investigate fraudulent loans, and bank accounts on my report and demanded that I receive proof/documentation that I personally opened they accounts and loans within 30 day of the letter. I have also requested for the creditors to investigate a provide results back to me and Equifax As of today XX/XX/18 I have not received any documentation from Equifax or the creditor to prove that I am responsible for the accounts, nor has Equifax stop reporting these accounts. 

The reporting of this fraudulent information has been a negative impact on my life and has hindered my ability to obtain credit, get insurance and open a bank account and I have been suffering a hardship ever since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am XXXX XXXX XXXX, XXXX XXXX and owner of XXXX XXXX XXXX. TD Bank has been calling my business more than once per day seeking a debtor. I called TD bank on Friday XX/XX/18 and requested that they stop calling my office. I gave them the name of the person they were calling about. I told them I would report them to authorities if they called even one more time. Today ( XX/XX/18 ) at XXXX, they called again. The calls are coming from XXXX. Today the agent 's name was XXXX and she was agent # XXXX. I did not get the name of the agent I called yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: AK

Complaint narrative:
I paid a monthly amount to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with Ameritech Financial, asked for a refund and would not give me it.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Originally, XXXX XXXX placed a collections account on my credit report in the amount of {$780.00} that I have no recollection of and that I believe is not mine. I have a current credit card with capital XXXX and it is in good standing. I asked XXXX XXXX to validate the debt and just as it reached its 60 day mark to validate, XXXX XXXX sold the debt to XXXX XXXX XXXX and now they own the debt and placed it back on my credit report. I have sent numerous letters asking them to validate the debt and have received no response. I have also sent letter to the credit bureaus and they report that XXXX XXXX have electronically validated the debt but they can not send that information to me. I believe this is not mine and I have a right as a consumer for any debts placed on my credit report to be validated with documentation that is not a bill. This type of reporting is illegal and violates my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
In XXXX, I contacted the collections agency to find out if I could settle on a debt. The representative told me that if I pay {$170.00} out of the {$270.00}, the debt would be considered paid in full, settled and the credit bureaus would be updated of the new status. However, after checking my credit report, I see there is still {$76.00} on the credit file at the bureaus. Apparently, the collections agency only reported that I paid {$170.00}. The agency never followed up with doing what I was told would happen and that would be to report to the credit bureaus that the debt is paid in full. Additionally, the representative at the collections agency said that the only option to pay was by giving my bank routing and account numbers and that paying with a debit card is not an option. I truly believe that this was intentional, because they knew disputing the bank, after finding out I was deceived would be hard. Whereas, if I paid by debit, this transaction would be disputable to the bank, when I found out the agency would/did not report to the bureaus that the debt is paid off. Even more, the representative told me that I would receive correspondence by mail that outlines that after paying the {$170.00} that the debt would be settled and paid off fully. However, I never received anything in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to Ally and XXXX to report that this matter was STILL on my report in XXXX which I created a dispute. Ally turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called XXXX asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to XXXX and they referred me to your website for help. XXXX agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?

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 2018-08-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: AK

Complaint narrative:
I paid a monthly amount to XXXX XXXX thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with XXXX XXXX, asked for a refund and would not give me it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
After filing a complaint with this office on XX/XX/2018. XXXX XXXX has promised to make us whole and fix the reporting to all credit agencies. I have made several attempts at contacting the company and the company contacted me one time and stated they were still working on fixing the credit reporting of one of our accounts. According to all 3 credit reporting companies, 1 of the lease accounts still shows Early Termination/ Status Pending. We have received a check from XXXX with a refund of extra monies applied to our account in overage. This information does affect the credit report and has been affecting our credit reports for many months now. They refuse to correct their mistake and has sent notice to us the customer and you as the complaint receiver stating they were in the wrong and would fix the problem. As of XX/XX/18, our credit reports still reflect this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/2017, I used my Chase VISA card to purchase interstate moving services from XXXX XXXX XXXX XXXX. I made cash payment for the services to XXXX XXXX  XXXX XXXX, but the merchant charged my VISA card {$810.00} as well. I spent several months trying to resolve the issue with the merchant, but the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in an attempt from Chase to reach out to me for further information or clarification. In fact, Chase sided with the merchant on the dispute. In addition, Chase appeared to be 'pencil-whipping ' through the previous CFPB dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling or unable to perform additional research or due-diligence with respect to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: MA

Complaint narrative:
I have 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.

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 2018-08-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX my Ex had his car repo 'd in XXXX, that MONTH, I paid off the loan etc to get rid of issue. I went back to XXXX and Experian to report that this matter was STILL on my report in XXXX which I created a dispute. XXXX turned around and claimed it was repo 'd in XXXX!???? I called them again pleading my case with NO LUCK. FIVE years later, I called Experian asking them to dispute this on my credit and they told me they couldn't help me since already disputed??? Five years ago?? Today, I spoke to Experian and they referred me to your website for help. Experian agreed that after 10 years this should be removed. Can you PLEASE, PLEASE help me?

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 2018-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is attempting to collect a false debt from me. They claim the debt was placed by XXXX XXXX. No verification nor validation has take place and this needs to be removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA
State: NC

Complaint narrative:
Before going into the business of collecting debts for creditors from North Carolina consumers, a collection agency must first obtain a state collection agency permit. A collection agency must also include its permit number in each written communication with each consumer debtor. 

AES has not furnished any proof that I executed a contract from the original lender. 

AES is not permitted to collect in NC and will not furnish its permit number as enforced by NC Law to do so on ALL written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was applying with Bank of America as a co-signer for my college daughter. I have a credit score of over 800 and have never been denied, but they denied us. I asked for the supervisor and got XXXX XXXX. In visiting with XXXX, it came to light that the application was not filled out correctly, as they did not ask for my liquid assets. I have reason to believe this might not be the only mistake in the application. I have net income over XXXX and liquid assets of over 1.5 million. 
The denial due to an inaccurate application, that they would not fix will damage my daughters credit score.

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