vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Holloway Credit Solutions
State: FL

Complaint narrative:
Was contacted by Holloway Credit Solutions on XX/XX/2017 and told I had outstanding balances with XXXX medical offices and that multiple letters have been sent to me. I have received no letters and requested that the rep on the phone ( XXXX XXXX ) send me something in writing detailing what I owed and that I would take care of it. XXXX XXXX refused to send me ANYTHING in writing and demanded that I take care of the bills on that call with no proof of what I actually owed. I demanded his supervisor name and to speak with her ( He listed XXXX XXXX as a supervisor ) and he refused to give me access to a supervisor or manager of any kind.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am alleging discrimination by discover card which has been suspected all along. I need all copies of complaints i have made as i believe once i retain counsel this is headed to court. Nothing has been resolved. The same person XXXX XXXX is answering my emails to follow up on promos I request and that I am told may be available to me. I have asked anyone who answers me to tell me who they are based on the horrible way i am treated. I am being discriminated against and i want it investigated. XXXX XXXX continues to mischaracterize my unresolved complaints and requests as " dissatisfaction '' I dispute that. Its resolve. You see being in my XXXX and handling credit well all my life with many banks i know this is discirminartory. I will stop paying all accounts and take steps to protect my credit based on the discriminartory way i am being treated. Years ago i was told notes on customer accounts telling other agents not or to do something in particular was prohibited but its done all the time here. Further when i make REQUEST I am transferred to a specific place. I will not and can not keep spending my time writing here. I have stopped paying all accounts because if i am reported to credit after trying to get help not counselling for credit not being sent the agreement but a promotion as i was promised by collections. I will not let my credit suffer and i will not be treated in this discriminatory fashion. 






































XXXX COMPOSE Labels Inbox ( XXXX ) Starred Sent Mail Drafts ( XXXX ) More CollapseHangouts More XXXX of XXXX Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Attachment Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred Not starred

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are XXXX accounts listed which do not belong to me which are XXXX XXXX XXXX # XXXX and XXXX XXXX Bank XXXX I 'm requesting these be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
In regards to Collections Efforts, Mariner Finance continues to call my parents residence although they have been informed numerous times that is not my phone number and that they are not to call that number.

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 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a good-standing account with XXXX XXXX ( telecommunications company ) and was trying to transfer service to a new address after moving. They inadvertently canceled my service and closed my account. When I called to find out the status of the transfer service request they informed me of the mistake they had been made and explained that the only way to have service again was to create a new account. In doing so, they ran a credit check resulting in a hard inquiry on my credit which I did not authorize. This was not at all explained to me during the process of creating the new account. When I found out about the credit inquiry, I contacted both XXXX and also Equifax. Both attempts to resolve this and have it removed from my credit report were unsuccessful. Equifax even went into detail stating that any company that is given your SSN and information can run a credit check without your authorization, there is nothing you can do about it, and disputing it will not result in it being removed from your credit check. This is preposterous. I did not want this credit inquiry and I would not have allowed a new account to be created if they had explained to me what they had planned to do. There is no reason a credit inquiry should have been done on an existing costumer that already had a good-standing account. This was the second inquiry on my account in the past two years done for the same service. One by XXXX and now another after XXXX sold their company to XXXX. When I contacted Equifax on XX/XX/XXXX to initiate the dispute, they completed the investigation on the same day which proves they did not actually investigate the issue and generated an automatic response. When I tried to add a statement to the investigation result as explain in the report from Equifax, the website link they provide does not provide anywhere to include a response to your file. I have exhausted all available resources. I want a full investigation into this and want it removed from my credit report. I did not authorize a credit inquiry and was not provided with notification a credit inquiry would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: United Debt Counselors, LLC
State: NY

Complaint narrative:
Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XX/XX/XXXX I received a XXXX Unsubsidized loan for {$3500.00} for XXXX. Since that time, I have heard nothing from my loan servicers ( XXXX XXXX initially, and Navient ). In XX/XX/XXXX, I was sent a single email telling me that my loan was being transitioned from XXXX XXXX to Navient and that nothing needed to be done because " we will get back to you at a later date ''. That was the only email I received regarding my loan. In XX/XX/XXXX, I received a single email from Navient which was an advertisement for a different service they offered ; again, nothing about my loan. 
Now, 10 years later, I am graduating from XXXX school and undergoing mandatory loan counseling and see that my loan of XXXX has become XXXX. Upon contacting Navient, I learned that I was charged multiple late fees ( I was never informed that I had any payments due at any time since I was in XXXX school so loans were deferred ). They also claim that they had emailed me ( they had n't, I did an extensive search of my only email address ) and then changed their statement and claimed that loan servicers do not contact individuals whose loans are deferred. I have a different loan servicer for my graduate loans and have routinely received both mail and email updates regarding my current balance, so I know this is inaccurate. they were also unable to give me a reason as to why I was being charged late fees if I had never been contacted ( per their own company policy about deferred loans ). Ten years later, and I 'm being forced to pay double for something that I could 've EASILY paid off if I had been notified regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had XXXX XXXX loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to XXXX, and XXXX was later turned over to Navient. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both XXXX and Navient. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with XXXX. The same thing happened with the Navient loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have contact Navient and the company has not been very helpful. First, I enrolled in school so Navient placed my account in deferment without my permission or my request. Navient could have contacted me and asked if I wanted to be placed in deferement but they did not. This was not helpful because I am currently in a program and if my account is in deferment, my payments does not count towards my 120 months of payment, making my time in the program longer. Navient has not provided me information or clarification on how my account balance has grew from {$87000.00} to {$100.00}, XXXX. I do not know how, why. or when the balance on my account increased and my account history does not reflect the changes or increase. That is a problem because as a consumer, I should always be aware of the changes happening to my account and I never received a notification or update stating my account balance has increased. Navient has failed at educating me on why these changes have happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: D2 Management LLC
State: IN

Complaint narrative:
COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX

Company response to consumer: Closed
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is past the statute and should NOT be listed on my personal credit file Equifax XXXX XXXX XXXX # XXXX please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
This company has been harrassing me by telephone saying that i owe them multiple debts. I sent a dispute to their company and they have responded with a letter stating that they have already verified these accounts and that they are under no obligation to verify again. However, I DID NOT receive anything from this company prior to the billing statement i received in XX/XX/XXXX. As per The FCRA i have the right to dispute any information that is being reported to the credit bureaus. Also Billing Statements ARE NOT considered verification of accounts. This company continues to report these accounts to the credit bureaus without having properly provided information on as to how these accounts are verified. This disputed information will be forwarded to the FTC and Attorney general 's office due to unfair and improper reporting actions on Louisiana Recovery Services behalf. I do not and have never been in contract with this company nor have i ever accepted services from their company so i am requesting that all collections attempts to stopped immediately. 

UNVERIFIED ACCOUNTS : XXXX billing - {$48.00} LRS/ XXXX billing - {$43.00} XXXX XXXX - {$1700.00} XXXX XXXX - {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Multiple inquiries appeared on my credit and they wo n't delete them when I have n't applied for anything in years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has made it impossible to make payments on my loan. They would only take close to XXXX a month. My loans has since doubled because I am never able to make that large patent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.

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 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I received a letter from XXXX on XX/XX/2010.This letter said my loans had been paid in full. Along with this letter it explained the national credit bureaus was going to be updated and removed from default status. I soon found out this was untrue. I was contacted by a company called Navient. I was wondering why i was repaying for a loan that had been paid in full. Navient explained they had took over for XXXX. I provided the same letter that was sent to me from XXXX. Navient never removed and they are destroying my credit and it has impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC
State: FL

Complaint narrative:
( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. 
( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. 
( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. 
( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). 
( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. 
( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. 
( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. 
( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify.

Company response to consumer: Closed with explanation