vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 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: DE

Complaint narrative:
Loans went into repayment in XXXX after I finished graduate school. I didn't successfully complete certification for my new career until XXXX of XXXX. Between that time my loans had been transferred to Navient of whom I contacted several times to see if I could pay a reduced amount toward my loan. They told me they could not accept any other payment other than what they had stated to me during my conversation with them. I explained that I could not afford the amount they wanted me to pay, but I could make a monthly contribution within my means so that I could just start repayment. Over and over again on calls I was told that NO money would be accepted and instead my loans were placed into deferment, then eventually forbearance which over time has collected a large amount of interest. In XXXX I was pretty much forced to find a solution to my loan debt or else my loans would of defaulted, or so I was told by a Navient representative. I did find out later that I could of went on an emergency forbearance in order to prevent that. That did not happen because I was not offered that option that time through Navient. They basically said that was the only option, start paying or be placed in default. I had to do something, so I enrolled with a third party servicer, XXXX XXXX in XXXX. I learned that this company also has a lawsuit filed against them. I received information from the Federal Trade Commission regarding the lawsuit in XXXX of XXXX. There is no secret that I was not able to maintain and live with a large monthly loan payment. Even on the repayment plans offered this is not conducive. I have offered in most recent years to pay XXXX XXXX monthly with my now servicer XXXX, and they too have said that they can not accept the payment. In my case I am looking to have my interest fees waived during the time my loan was being serviced through Navient ; in particular for giving me false information regarding repayment options and resolutions for my student loans. I would not have entrusted my student loan to a third party servicer, but I felt I had no other choice. XXXX as far as I know was not making full payments on my behalf towards my loan either. I am not quite sure how to go about collecting my year 's worth of payments made to them. I am willing to pay, I just want fair options and opportunities to be presented to me in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
I have submitted my identity verification multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted my identity verification multiple times ( XXXX, XXXX, XXXX 2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help

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 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased 2 money orders in XX/XX/XXXX. one of the amount {$450.00} and the other of {$1600.00} from XXXX cashier and placed them in a mail box. Both money orders was stolen and altered. I did everything in my end to receive my money back. I made a police report and did everything in my end with XXXX cashier to get refunded back. I received my money back for the amount {$450.00} a few weeks ago from XXXX Cashier. On XX/XX/XXXX I received a letter from XXXX  that was sent by XXXX XXXX from the XXXX XXXX XXXX XXXX that my claim was denied because they claim there was no proof of alteration. Since that day I have been reaching out to XXXX via email. I sent her an email to please consider reviewing my case again and sent her 11 attachments of my documents just in case there was something that wasn't sent by XXXX. I not yet to receive and response email back by XXXX in regards to this matter. I am going on a 1 year dealing with this situation. I work hard for my money and gave up {$1600.00} quickly to XXXX and to be refunded this money back has been XXXX and has caused myself and family a hardship and an enormous amount of stressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Atlantic Recovery Solutions LLC
State: PA

Complaint narrative:
They repeatedly call me and call my work. They have given my personal information to my boss and threatened to sue me and arrest me. I tried to set a payment up but they demanded my bank information and payment in full. I spoke with one woman named XXXX as well as my boss spoke to her. She called me a XXXX and hung up on me. I called back and spoke with another lady who after giving me a fake company name and wrong call back number also hung up on me. I spoke with a man who told me to work on my character and pay my bills. They call me everyday all day but refuse to actually set up payment unless I pay in full. They also have given me FOUR different bills due - the amount due changes with each call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have inaccurate information showing on my credit report that is negatively effecting my credit score and limiting my availability to new lines of credit. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - COLLECTIONS XXXX - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} - XXXX - XXXX XXXX XXXX opened XX/XX/XXXX for {$360.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX TRANSUNION - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$980.00} - XXXX - XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$1000.00} Contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - INQUIRIES - XXXX, XXXX, Transunion have hard inquires on my report that I do not recall ever doing. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - MISSING INFORMATION - XXXX shows no information for my accounts -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ADDITIONAL INFO - Remove all security freezes or fraud alerts from my credit report immediately

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Submitted a payment on time by the XX/XX/XXXXof the month via the Macys app as agreed for the Pay Down Plan due to financial hardship. My bank took out an unexpected monthly fee so the payment was returned. When I called in to resubmit the payment, I was told that the account was no longer with Citi Bank and I could not make a payment because it was transferred to a collection agency. Then I received a letter in the mail to resubmit the payment. When I called in again to resubmit the payment, I was told the same information. I finally called in again and was told that the account was still with Citi Bank and the representatives that I spoke with before provided incorrect information. They could see where the letter was sent to me. I asked since I was provided incorrect information during my attempts to resubmit the payment, if I could be placed back on the plan and make payments accordingly. The representatives and supervisors are now ignoring that information and said I can make payments but it will eventually go to a collection agency. I was told that they cant provide confirmation of my payments and they will not change the status on my credit report from sent to another collection agency even though it is still at their office and they are refusing my payments.

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 2019-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
As of XX/XX/XXXX I fell behind on payments due to loss of employment and since then I have continued to call the lender and tried to qualify for a modification. The lender has always made it difficult as every time I call their is a new employee giving me different information of what documents to submit. Also their is no way for me to talk to an underwriter directly to better understand their request. I have also requested help from NHID to help me file to qualify for the modification, however just this past month XX/XX/XXXX the lender kept requesting a 4506T form and they kept mailing the old version of XX/XX/XXXX, but never told me the form was outdated and I needed to download the new one from the IRS page. I feel this has been the route of my horrible experience of wrong information given to me and now they want to sell my house.

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 2019-07-10 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: Monterey Financial Services LLC
State: SC

Complaint narrative:
I have no knowledge of this account, and have requested documents but never received them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
On about XX/XX/XXXX, a notice was received from XXXX XXXX XXXX , XXXX. about a health club membership that was in collection for a gym called XXXX XXXX in New Hampshire. After looking into the membership ( my daughter 's ) and actions taken, I saw that my daughter had followed procedures to end that membership in XX/XX/XXXX. 

I contacted XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to discuss. My daughter contacted him prior to my conversation to allow me to speak on her behalf. XXXX told me that it didn't matter if she had cancelled her membership, and in fact that nothing she had done up to that point mattered at all, the only thing that mattered was that she owed {$190.00} and had to pay that. 

I tried to explain what actions had been taken up to that point, but he just spoke over me and was clear in that he had no interest in anything that I had to say. 

He said that if she didn't pay the {$190.00}, the amount would go up. When I asked why it would increase ( concerned about timelines with payment ) he said that legal fees when they sue her would be tacked on to the amount and suggested that it would be about {$1800.00}. 

I tried to further explain that she had cancelled by emailing the contract company and XXXX told me that email was not an acceptable way to cancel her membership, and that in fact the only way to cancel was for her to send a certified letter requesting cancellation with 30 days notice. I contacted the contract company to learn that was not true, and in fact email is the appropriate way to cancel. 

Even after hearing these facts from me, XXXX continued to apply pressure for this debt to be paid, threatening action with the credit bureaus to damage my daughters credit rating. 

We will pay this debt out of fear for her credit, not out of the legitimacy of the debt. Since the amount is so low, it isn't worth even seeking relief through the court because legal fees would eclipse the {$190.00}. But, the practices of XXXX XXXX XXXX , XXXX and XXXX XXXX should not be allowed to continue. He illegally threatened legal action, made false statements about the cancellation procedures that should have been followed and continued to attempt to collect a debt where serious doubt should have existed as to it's validity. These are all illegal actions on his part. Not once did he even say that he would look into the debt 's validity or attempted cancellation of the gym membership. 

He likened himself to a judge and indicated that there was no higher authority than himself in this matter. When I contacted customer care at XXXX XXXX, those emails were immediately forwarded to XXXX, which caused some further concern on my part as to me being able to find any acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Citizens One Bank is purposefully making it difficult to remove PMI. 

I submitted a request to start the process 3 weeks ago and have not received a call, email, or secure message from the company with ALL information for removing it. They have only sent a message saying they will send another message via snail-mail. 

They REFUSE to give me the contact information for the PMI department.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
I sent in a my payment in full to close the account XX/XX/XXXX. 
I called fortiva today and they wouldnt give me any sort of payment confirmation even though they can confirm they recieved the payment - they said they didnt get the funds for a month - XX/XX/XXXX. Which is incorrect. I sent this in on XX/XX/XXXX. 
They wouldnt provide anything to me, not my mail, fax or email to show me the account is paid in full so I can send this to the credit bureaus to improve me score. 
This is unfair. I sent payment and cant have any sort of confirmation in writing to help my score improve. 
Confirmation number from fortiva is XXXX that they receieved my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Problem with fraud alerts or security freezes. 


PER COMPANY 'S RESPONSE, I WENT TO THEIR WEBSITE TO SUBMIT REQUESTED DOCUMENTS ONLINE, AND KEEP GETTING AN ERROR MESSAGE. I HAVE ALREADY SUBMITTED THESE DOCUMENTS IN THE PAST AS WELL. THEIR WEBSITE DOESN'T WORK PROPERLY FOR ME TO SUBMIT MY DOCUMENTS TO HAVE FRAUD ALERT REMOVED! I NEVER REQUESTED A FRAUD ALERT. THE FRAUD ALERT IS BE SENT TO EXPERIAN FROM XXXX. EVERY TIME I DISPUTE SOMETHING ON MY XXXX CREDIT FILE, THEIR SYSTEM PUTS A FRAUD ALERT ON MY FILE AND SENDS THIS INFORMATION OVER TO EXPERIAN AND XXXX. HOWEVER, XXXX DOESN'T ADD THE FRAUD ALERT AS I'VE EXPLAIN THIS TO THEM AS WELL, BUT EXPERIAN ALLOWS FOR THE FRAUD ALERT TO BE PLACED ON MY FILE WITHOUT EVEN CONTACTING THE CONSUMER. THEN ME AS THE CONSUMER HAS TO GO THROUGH ALL THESE UNNECESSARY HOOPS TO HAVE THE FRAUD ALERT REMOVED. I'VE VISITED THEIR WEBSITE EXPERIAN.COM/UPLOAD TO UPLOAD MY I.D./BANK STATEMENT/LETTER REQUESTING TO REMOVE FRAUD WHICH THEY ALREADY HAVE ON FILE. BUT THEIR WEBITE IS NOT ACCEPTING MY DOCUMENTS, SO I AM GOING TO ATTACH THEM TO THIS COMPLAINT!!

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 2019-07-10 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I currently have a security freeze on my Equifax report due to past fraudulent activity. These companies were not authorized nor was I notified by the companies that this inquiry was taking place. 

On XX/XX/2019, I was notified that the following inquires had taken place, I contact Equifax by telephone and talked to a customer service representative. At this point I was notified that there was nothing that Equifax could do to remove these hard inquires. 

This is why I have a security freeze on my Equifax credit report so that this does not happen without the companies contacting me for verification. Neither of these companies have contacted me either by telephone or mail. 

Hard Inquires made without my authorization or knowledge. 

XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I have attempted to contact the above companies for an explanation and neither one would provide any assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: TX

Complaint narrative:
XXXX and Experian are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2019-07-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief