vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.

Complaint narrative:
I checked my account with Navient on Friday XXXX XXXX, expecting to see that my payment made on XXXX XX/XX/2018 to be creditted to my account. It was not. I had to ring Navient from the XXXX and was on the phone with them for about 15-20 minutes trying to figure out why my payment had not been credited to my account. I told the customer service representative that I also wanted to make a second payment this month. After being on hold for a few minutes, I was told my payment was actually received on XXXX XXXX but, for some unknown reason, their payment department have not credited my account yet. It says on my account that I might be charged a late fee because I 'missed ' a payment. I most certainly have not! 
I got off the phone unsatisfied with the answer from Navient about why my payment had not been credited to my account. I was told the payment would go through eventually. I checked this morning, Monday XXXX XXXX, and the payment is still not credited to my account and still says I am liable to be charged a late fee since I have missed a payment. When I asked the customer service rep about who I can speak to with a complaint about the payment situation, she informed me that there was no one I could speak with but that customers were ( and she said verbatim ) " allowed to send in a letter of complaint. '' I find it horrible that Navient does not have a proper complaints system and that I am being treated poorly. My payment is still floating around in Navient 's system, not credited to my account. As of today, they have had my payment for 20 days ( 14 working days ). I am not able to have the situation corrected in a timely manner by Navient. I make my payments by their draconian deadlines, they should be held to the same strict rules of acknowledging my payment and posting it to my account on the day they receive it. I find this situation completely unacceptable and intolerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams IDs frauding my documents and medical record of birth certificate long form of XXXX  XXXX and doctor XXXX Frauding scams IDs and accounts frauding my XXXX country Indiana using XXXX Frauding scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana Frauding scams frauding my XXXX Frauding scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX  Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint and requesting that the following account be cleared from my credit due to the fact that the Chase account /debt were paid in full by me in the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

Chase Accounts # XXXX I received a XXXX from Chase for the total unpaid balance of account as additional income, thus, I filed the amount of the XXXX when filing for my tax returns. 

Since, I claimed the amount of the XXXX accordingly, when filing my tax return for the years XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this Chase account should be deleted and cleared from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. 

I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. 

I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint and as that the Chase account be cleared and deleted from my credit report due to the fact that Chase filed a XXXX to the IRS for the amount of debt as additional income. 

I filed the XXXX accordingly when filing my tax returns for the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

The Chase account is # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out a student loan with Navient. There are two issues. 

One issue is that Navient charges high interest rates. 

The second and most pressing issue is that I contacted Navient in order for me to make an early pay off. Navient refused my offer. Other service lenders have allowed me to make an early pay off in order to make a large one time payment that would be easier on the borrower. 

I am seeking assistance from CFPB on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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:
Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV 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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX XXXX ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 2018-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX Indiana ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 2018-02-19 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:
Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. 
They have the obligation to correct or delete their reporting. 

Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. 
Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2009, I was XXXX and graduated high school. My mom took me to get a credit card from Wells Fargo Bank on XX/XX/2009, I was approved for a {$400.00} credit limit, but no-one explained to me how to use it I was just told don't max it out. I was very young and had no idea what credit even was. My mother was taking me out to dinner to celebrate and we discovered we had a flat tire along the way, we used all the money we had including my credit card to buy a new tire. The only money we had left to eat was the remaining balance of less than {$200.00} on my credit card so I fed myself, my mother, and my XXXX  siblings. I can't get another unsecured card because of this and I feel like I'm being punished for my lack of knowledge on how to use a credit card at XXXX. I'm XXXX now and I know how to be responsible with credit cards and I have a secured card now with a {$200.00} limit with XXXX but I need more credit because I take care of my sick father and a {$200.00} limit isn't enough for me to take care of him, and my household.

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 2018-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: IN

Complaint narrative:
XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

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 2018-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NH

Complaint narrative:
On XX/XX/XXXX I sent {$2700.00} through Western Union to pay my two mortgage payments to XXXX MS. On XX/XX/XXXX I received a letter dated for XX/XX/XXXX that my money had ben declined. When I called Western Union the representatives who I spoke with ; XXXX ID # XXXX XXXX, XXXX ID # XXXX, XXXX, XXXX Id # XXXX, XXXX, XXXX, XXXX, XXXX and XXXX gave me the run around. I was sent to locations in XXXX New Hampshire, XXXX  XXXX XXXX and then XXXX Massachusetts. 

Not one of the locations were able to give me my money back despite Western Union insisting that they would. I called Western Union back they gave me a case number which is # XXXX and reassured me that my money would be overnighted through XXXX XXXX. When I called them today XX/XX/XXXX they stated that they could not provide mw with a tracking number and stated the check was delieved on XX/XX/XXXX. I explained to them that I have not received any check and nor a XXXX XXXX delievery. I told them that if they do not provide me with a tracking number that I would be filing a complaint. I feel that I have been robbed by Western Union and I feel it is fraudulant of them to not send my {$2700.00} back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 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: PA

Complaint narrative:
Navient has confirmed that there were several instances where my parents called in on my behalf, using my information. This is a violation of my privacy rights, and I want all dates and times that this was done. They have been withholding this information, and it is my right to know. This was a previous complaint submitted earlier in XX/XX/XXXX. I received a response, but it was missing a lot of detail. This includes time stamps, and what each phone call was about. I am also requesting specific information on XX/XX/2016. It was confirmed from a Navient agent that my father called in, asking how to make a XXXX payment on loan 1. I need all information regarding this. 

This company tends to distort facts, and very childish.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
l live in XXXX, FL where Hurricane Irma impacted the area on XX/XX/XXXX. My home took significant damage and I had a sizable deductible on my policy for the damages. I contacted my mortgage company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX and was told that I would qualify for the 3 month forbearance for the months of XX/XX/XXXX - XX/XX/XXXX. 

On XX/XX/XXXX I called my 'relationship manager ' at US Bank and was told that if I completed a Uniform Borrowers Assistance application and myriad other documents and submitted them through XXXX and also sent them to US Bank ( via email ), I would qualify for a deferment plan and the three months mortgage payments would be moved to the end of my loan. I submitted all the requested documents on XX/XX/XXXX and US Bank and XXXX both acknowledged receipt of the necessary documentation. A week or so later I spoke to my relationship manger at US Bank and she informed me that there was no deferment program, that my loan could not be modified and that on XX/XX/XXXX three months payment were due. On XX/XX/XXXX I submitted a complaint and hardship letter to a special email address at US Bank ( XXXX ), which I received from them in a letter. In my communication I made clear that I was told by the relationship manger that I would qualify for the deferment plan if I completed and submitted the aforementioned forms. 

I received a formal response from US Bank 's Customer Advocacy Representative dated XX/XX/XXXX. In the letter they stated that " ... the representative you spoke to on XX/XX/XXXX informed me that the forbearance plan was not a deferment and that a deferment was not an option for my account ... '' During my many discussions with the relationship manager and other customer representatives I always asked for a written confirmation of the deferment and was consistently told we do not confirm in writing, but we will make a notation on your account. 

The Bank has since extended the deferment thru XX/XX/XXXX, and on XX/XX/XXXX I will owe for four months. Monthly payment is {$1600.00}. The Bank has reneged on the promise to modify my mortgage, denied they ever infomed me of this and will not work with me to resolve their error.

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 2018-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request XXXX XXXX XXXX to remove incorrect information off my credit report. More importantly, XXXX XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Back in XXXX of 2017 I disputed a debt with Diversified Consultants. I wrote a letter asking for verification bc I have no knowledge of this debt. Diversified Consultants deleted the debt on XX/XX/2017. Diversified Consultants has placed the debt back on my consumer file and also reaged the debt stating it opened on XX/XX/2017. 
This company is deliberately commiting fraud and trying to collect on a debt that they clearly do NOT own, and then reaged the same debt that they could not verify back in XXXX of last year. All violations of the FDCRA.

Company response to consumer: Closed with non-monetary relief