vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Graduated from school XX/XX/XXXX. I began to receive bills in XX/XX/XXXX, each time I received a bill I called Navient and told them that I had not graduated but that did not stop Navient from calling my home, sending noticed and billing me every month. Every other day there was a message from Navient reminding me a payment was due and every week I would call the number and talk to a representative and let them know my graduation date was months in the future. Soon I just began to accept the harassment and stop calling. I did send back the bills with notes that I was graduating in XX/XX/XXXX, and I thought I had six months to find a job then start payments. My calls & notes were ignored. <P/>XX/XX/XXXX. I received my notice that my bill was near {$170000.00} with over a full one third in interest & late fees. My student loans are subsidized by the federal government, and should not accrue any interest while still in school. I had very little unsubsidized loans. <P/>I was told if I want my loan to be based on my income than I would have to print everything out and then FAX it in. I did all that and the repayment still included my entire family 's income. I am a grown women responsible for my own bills. <P/>I have worked for a XXXX XXXX at the XXXX level so my XXXX representative urged me to apply for PSLF Public Service Loan Forgiveness. For all my loans to be eligible I consolidated all my loans under an income repayment plan. I filled out all the paperwork to consolidate my loans and adhere to the rules. All loans under one consolidated loan so all would be eligible under the guidelines. Navient instead created two separate loans and said neither was eligible for PSLF. I need help. Navient is destroying my credit score as well as not adhering to the policy set at studentaid.ed.gov. The percentage charged against my loan ensures that I will never be able to pay off the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
Pay  XXXX  bill by credit card, requires use of  Western Union  Speedpay subsidiary, which requires acceptance of Terms and Conditions at https : //www.speedpay.com/westernuniontac_cf.asp. This site requires acceptance of mandatory arbitration unless opted out at  XXXX . Over  45  mins talking to various  WU and Speedpay s taff, no one know anything about it. Told to " call back ''. Did so, spoke to employee who also again knew nothing about arbitration opt-out. I do not wish to accept mandatory arbitration, but there seems to be no way to opt out per the  Speedpay  terms and conditions directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After obtaining a copy of my Equifax credit report I noticed several unauthorized transactions. I have n't really paid much attention to my report until this XX/XX/XXXX. I did notice several unauthorized inquiries for auto loans and I have contacted Equifax on several occasions, whether it be by phone, faxes, certified letters, etc. And they refuse to delete the inquiries that are inaccurately listed on my account. As a young woman looking to buy a home for my family I am trying to dispute inaccuracies listed on my credit report. The inquiries that are currently listed pertain to auto loans. I do n't have a need for an auto loan and being a credit bureau they have access to any and all of my consumer reports. This is making it very difficult to acquire credit. I am being denied credit due to numerous inquiries and it 's becoming more and more frustrated each day. I also asked for an early exclusion from XXXX inquiries that are due to fall off, but as we know sometimes inquiries just do n't fall off like they should. Again this is affecting my ability to obtain credit immensely. I have already contacted the creditors as Equifax has asked me to and they in turn tell me to dispute it with the credit bureaus. Can you imagine my frustration? The inquiries are INDEED FRAUDULENT! This request is very important to me and I 'm hoping you can help. XXXX has done an excellent job by taking care of the same exact request. Listed below are the inquiries. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The inquiries below are the ones I 'd like to have removed as an early exclusion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I had a reduction in income I had to file bankruptcy to maintain ownership of my home.   I dismissed my bankruptcy and I 've submitted several request for modifications and  Carrington mortga ge has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.    Carrington m ortgage has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX .   Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to b e given a 30 n otice prior to the property foreclosure sale.    XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Around XX/XX/XXXX, Capstone Credit & Collections began reporting a collection account to various credit bureaus from a supposed debt owed to an apartment complex from XX/XX/XXXX, XXXX XXXX. As this collection is not only inaccurate, but I never received notice of it before seeing it on my reports, I have attempted to dispute it. These attempts have been in vain. I have yet to receive any response or documentation of the supposed debt. XXXX XXXX never even so much as sent the required written notice that they were keeping my security deposit, as they are required to under Florida law ( it 's supposed to be sent certified mail, so there 's a record of it ). <P/>When I spoke with Capstone 's " collection agent, '' and asked for documentation of the debt, I was told to call the apartment complex since Capstone did n't have it. When I called XXXX XXXX, they said they did n't have it and to check with Capstone. It was the literal run-around. <P/>In an effort to find out what more I may be able to do, I discovered that Capstone has an F rating on BBB, with a 100 % negative review and OVER 30 complaints. The majority of which have to do with their shady collection practices. Though, I suppose it shouldnt come as much of a surprise. With more digging ( aka simple XXXX search ), I found that the owner, XXXX XXXX, is a five-time XXXX XXXX, and has been XXXX XXXX XXXX XXXX, XXXX offenses, and, my personal favorite, XXXX XXXX XXXX and then using it at a XXXX XXXX. It seems that breaking the law at the expense of others is only par for the course for Capstone Credit & Collections. How is someone like this allowed to report data to the major credit bureaus anyway? <P/>This may explain why they were unwilling to help me in regards to a collection that should never have been on my credit in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
The company intentionally and systemically creates barriers to payment processing causing delayed payments and negative credit reporting. The payment processing website used by this mortgage servicer was constantly offline on  XXXX   XXXX ,  2017 , which was the last day to make a payment before my account reported  as a 30-day l ate. The hold times with the customer service department were extensive and I was not able to get an agent on the phone to pay over the phone. On the following day  XXXX   XXXX ,  2017  I was able to log into my account but the payment portal stated that payments can only be dated until the prior day  XXXX   XXXX ,  2017 . When I finally reached a call center agent, they advised me that it was a known glitch on the  XXXX  and  XXXX  of every month their system stops accepting payments online. The only way to process a payment was with that agent but they would charge an additional {$20.00} convinience fee. This is not a convinience when all other methods of expedited payment are turned off because of their glitch. I believe this organization intentionally and systemically causes customers to accrue additional finance charges, and turns off payment options when customers are pressed to make a payment in ord er to drive them into a payment option with a {$20.00} charge to make more money off their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me (   XXXX   XXXX    )   XXXX   XXXX   XXXX  -- - {$100.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$140.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$220.00}  XXXX   XXXX   XXXX  {$700.00}  XXXX   XXXX   XXXX  {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score.   Nordstrom has continued to tell me that my paying a {$750.00} closed account  was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and  ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I conta  cted New Day USA for a mortgage refinance on my current mortgaged property.
I was then called 1 m  inute later by a sales representative named  XXXX   XXXX  who asked me questions to apply for a mortgage loan with them.   First, he says " thank you for your service ''. I hate that.   After enough questions he asked to do a credit check and asked me for m y SSN.    Unfortunately, I gave  him my SSN.   XXXX  said m y credit score w as  XXXX .   After asking that only then did he ask about my employment situation and since I have n't worked for an employer in 5 months, he could n't qualify me for the loan.   I told him I have investment income ( stocks ) from dividends and I have a job starting on  XXXX   XXXX . But that was not enough. So, I asked him why could n't he have asked that question prior to running a credit repo rt with my SSN?    He said " that is not how it works ''.   Well, that should n't be how it works and now my credit is negatively affected and have not been approved for a loan.   They hurt veterans, not help them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In  2011 I r eturned to California from  XXXX   XXXX  and wanted to have a utility in my name. I discovered that there was an extremely old cable bill from  XXXX  and I called the company. I explained that the bill did not actually belong to me. It belong to a roommate who had changed it into my name at the time we both moved out, leaving it ( unbeknownst to m e ) un paid. I was told that if I paid it in full immediately, it would be removed from my credit and I did so.It was subsequently, changed from account in collections to collections/paid however, they have never removed it. I have twice now, contacted the credit bureaus and made this request, the last time in  XXXX  of  this year. It is th e only derogatory mark on my credit file and I would very much like this company to show me something with my signature on it to prove that it is mine or remove it once and for all. It has been paid since  XXXX  of  2011 and although I paid it in full to avoid a utility deposit, it is not mine and needs to be removed as it is causing me to pay a higher rate on my car and my house.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it.   That wa s 2 weeks ago and I have called 10 times  (  XXXX   XXXX   XXXX   ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a  XXXX  about anybody, They need to be put down. My local offi ce (   XXXX  FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since  XXXX    XXXX   to resolve this. and they did n't post it on my online account.     lies and corruption from this bank and it needs to stop. You can only call  XXXX  number and the customer service  XXXX . They no nothing even If they   XXXX   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 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Multiple times ranging from probably about  XXXX  to  XXXX  I was repaying loans or putting them in forbearance which was requested I do so I would n't have to make any payments on the loans.  Little did I know that a lawsuit was created against Navient  XXXX   XXXX  due to this issue amongst others.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-01 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: CA

Complaint narrative:
On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my Experian credit report. Both  XXXX     XXXX    and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX   XXXX  advisory removed. Each customer service representative said that I had to contact Experian and that Experian would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

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 2017-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Consumers Inc
State: MD

Complaint narrative:
I disputed via online about an account fro m United Consumers th at I did not recognize  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX ,  XXXX . They (  XXXX   ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at  XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly  with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that  XXXX  remove this collection because a proper investigation  was not done and this debt is not verifiable.

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 2017-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I was a victim of ID theft and a  XXXX   XXXX  card (  XXXX  ) was open in my name and the account was charged off and sol d to Midland Credit  (  XXXX  ) who sued me without my knowledge and got a default judgement. I got an attorney and proved it was ID theft and the judgement was reversed ( see attachm ents ).  Both  XXXX   XXXX  an d Midland are still reporting these illegally to my credit which is ruining it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
They are not able to validate debt Collection Accounts :  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Tried twice to open account online ; bank bounced it " for further review by an accou nt specialist '' bo th times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: NY

Complaint narrative:
XXXX XXXX duplicate accounts XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX same loan XXXX.in good standing with delinquency trade lines XX/XX/XXXX. 3 times the same student loan. XXXX XXXX XXXX. XX/XX/XXXX with delinquency trade lines in good standing, innacurate information. XXXX  original loan account status closed / Transfer when should said paid/ closed XXXX. XX/XX/XXXX this way they duplicate the same account with the same trade lines in good standing but with status paid/ closed without the original trade lines XX/XX/XXXX and last reported XX/XX/XXXX when was paid XX/XX/XXXX.XXXX again with the duplicate account XXXX. XX/XX/XXXX the same pattern with the XXXX. last reported XX/XX/XXXX. These two loans was consolidated into one in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On  XXXX / XXXX / XXXX , I applied for a  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card limit increase, which was initially declined approximately ten days later due to my credit report.  XXXX  pulled up my   XXXX   credit report. Both  XXXX   XXXX  and  XXXX   XXXX   XXXX  showed negative credit information even though the information was not derogatory :  XXXX   XXXX  has been closed since  XXXX  ;  XXXX   XXXX     XXXX    advisory  that account was previously in dispute-Now resolved-reported by subscriber.   I called the customer service representative for each bank to have either the  XXXX   XXXX  account removed from my credit report or the  XXXX   XXXX    XXXX   advisory removed. Each customer service representative said that I had to contact   XXXX    and that  XXXX  would contact the bank.   I work very hard to keep my credit report pristine and accurate. I even pay to have credit report freezes placed on them.   On  XXXX   XXXX ,  XXXX , I was eventually able to get the  XXXX  credit card limit increase. However, it should have happened a lot sooner and with no problem.     Please, remove the  XXXX   XXXX  account and the  XXXX   XXXX   XXXX  advisory.

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