vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Calling while at work every 2 hours, unwilling to work with me requiring amounts of money that I can not come up with ... wants me to st up automatic payments which I do not feel comfretbale with the XXXX co signers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The card is Best Buy. In XX/XX/XXXX I made a purchase. The purchase agreement was for extended payments until XX/XX/XXXX. I paid each month {$100.00} when my fee was only $ XXXX- {$27.00} I was charged Late FEES! of $ XXXX.For a total of {$60.00}! I paid the balance off without late fees in XX/XX/XXXX. I then made a regular purchase on XX/XX/XXXX for {$470.00}. When I received my statement, Best Buy says I owe XXXX! I tried calling them to clear this up. I spoke to XXXX people from a foreign country who could barely speak English! .When I asked for the United States XXXX they gave me to another foreigner who spoke better English and said they were from Idaho ! I do not know what is going on at this Best Buy credit card company, but it is not right. I will not pay charges I did not incur or owe. I paid my bill in full. Why am I still accrual charges? This is fraud by Best Buy credit card. Then they called me back after I told them I was at work! Why would they do that? I am not in arrears. The number that phoned back was : XXXX. According to XXXX, that area code is in Tennessee. Why are they telling me they are in Idaho? 
I ask you to look into this matter and find out why I am being charged an extra {$59.00}?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-04 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: WI

Complaint narrative:
I have Navient for a servicer. In XX/XX/2016 I contacted them to apply for the Non-Profit Loan forgiveness program. I was told I did not qualify for the RePAYE program ( income driven ) to pay the loan down within the 10 year non profit forgiveness program, when in fact I was eligible and qualified. A year has passed now and if I want to get on the program my payment will now be considerably larger and I have lost 1.5 of the 10 years of qualified non profit employment. I even went to studentloans.gov where it stated I was eligible bur Navient refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 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: MO

Complaint narrative:
XXXX XXXX, Navient and XXXX XXXX XXXX failed many times to offer affordable payment plans even when directly asked to be moved to an affordable plan. Failing to move me to an affordable payment plan resulted in me defaulting on my student loans and being charged additional fees and accrued interest rates. My pay checks and bank accounts were garnished leading to extensive stress and financial hardship as my family depended on my income as I am the sole wage earner/provider. I was advised on several occasions via phone calls with the lenders that I did not qualify for consolidation of my student loans. I found out all of this information was incorrect. I even read the the wording to them over the phone from the legislation and their staff including supervisors, on different occasions, informed me that the legislation requiring affordable plans was a. untrue and b. did not know anything about the program, c. that I did not qualify for said program. Now I am learning I am not the only person with this experience. I wish to have my experience noted on record as well as the growth in my debt owed to the loan originators investigated as to confirm if my debt is infact valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, a dispute on a collection was placed with Central Financial Control in regards to medical bills placed on my credit reports by this company. I received proof of medical bills on XX/XX/XXXX a week after the 30 days they were allowed to prove this information. The letter is postmarked for XX/XX/XXXX, however it took over a week and a day before I received this letter in the mail. In the letter proved they showed the hospital I owe a medical debt including the hospital bill, my child 's medical record number, dob, and access to her medical diagnosises. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my child 's current or prior medical providers to release any of my child 's medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. I would like to see a signed agreement with this third party showing I owe this debt to their company after it has been sold by the hospital. They also stated they will have a cease and desist unit as well as damage my credit and will not delete as it is not warranted. However, this deletion is warranted as they have validation my child 's HIPPA rights in order to collect a debt as a third party. There were no agreements or signatures I signed with this company as it is unfair, I should not have to pay for a debt that is not owed to them when they are not the orginal debt collectors. I demand deletion on all debts associated with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I had obtained a private student loan from XXXX/Naviant to attend XXXX. 
After attending the classes I had obtained other financing which was paid to the school directly. 
XXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check. 
XXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period. 
They have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter. 
I have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc. 
I have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over. 
The school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a credit card through Capitol One. I have had it since somewhere between XX/XX/XXXX and XX/XX/XXXX. Recently I noticed that the interest rate of 6.99 changed to 7.24 in early XX/XX/XXXX and then changed again this past month to 7.49. I am told it will change again. Then I noticed on the statements that the entire " balance [ is ] subject to [ this new ] interest rate ''. My balance on this card is currently at around {$19000.00}. I contacted them and they said that because it is a variable rate card ( how can it be variable if it remains 6.99 percent for nearly a decade? ) if the prime changes, they, the issue can change the interest rate on the existing balance. However, according to the CARD act of XX/XX/XXXX, " Issuer can not increase the annual percentage rate on your existing credit card balance '' ( source : credit.com ) ''. This should apply to my card since it has not varied in a decade. But let us suppose this card is variable rated, XXXX goes on to say in regard to variable rate cards " A credit card ( issuer ) may raise the rate on your outstanding balance if it has been temporarily lowered during a " workout '' or temporary hardship arrangement you either completed or left. '' Neither does a " workout '' or " temporary hardship arrangement '' apply to me as neither have ever been requested by me or given me. Therefore, this does not apply to the existing balance on my card ( that portion, well over XXXX dollars which existed before the 6.99 was elevated higher. I ask you to assist me, if it is possible, to have Capitol One rectify this situation for me and for others like me to whom this applies. For background sake ; my wife and I are excellent credit risks ; both in the high XXXX, and have never missed a payment on anything in our life. I had always been operating under the impression that the interest rate under which a purchase was made, would be the the interest rate which would always apply to the existing balance of previous purchases. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have requested validation of debt and all I keep getting from the company is a bill saying that they have validated which the person is not me. I ask for proof bearing my signature and they continue to show me nothing. but just say it been validated that its me and the letters and phone calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc.
State: GA

Complaint narrative:
We lived in apartments in 2013. I was 7 months pregnant and our ac was broken. We called maintenance everyday. they kept telling us it was fixed and it never was. We told them we were going to call code on them. They told us we could move out and not to call code and they would give us something in writing and never did. We moved out and they did n't put it on our credit report for 2 months. We found out that the apartments were sold 2 months after we moved out. We have contacted the current owners and they say they have nothing on us. They told us they may have sold the debt to Quality Recovery Services. We were never notified that this was being placed as a debt. They only reason I found out is because I checked my credit report. Also I have disputed this on XXXX and I sent them a paper requesting documentation of who the managers were, who they maintenance workers were, who owned the complex, ect. I have not received any documents from them telling who they were. They have now put this on our credit report XXXX times. XXXX for the XXXX of XXXX and XXXX for the Quality Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: TX

Complaint narrative:
This company is calling a family member of mine XXXX on her cell XXXX and her home XXXX. She has only been in her home for XXXX years. They are skip tracing and calling her illegally asking for me. She is XXXX a XXXX and has health issues. She says they called her several times. She also told me they adviced her they would be calling my place of employment if I did not contact them immediately. She just told me about this on XX/XX/2016. The number they are calling her from is XXXX. I called them at XXXX pm on XX/XX/2016 a lady answered I asked her for the name of the company she stated Recovery Solutions I told her my name and adviced her to stop calling my cousins number who is XXXX. I provided her cell phone number to her and asked her to remove it. Than I asked her why they were calling on old debt more than XXXX She stated it was from a check company they were filing paperwork for a warrant which is false information to intimidate people. I asked for her name she hung up on me. I called the number back XXXX times she answer than hung up. I waited a few minutes called again a man answered I asked for his name XXXX XXXX. I asked for the ladies name I just spoke to and advised him she hung up on me. He put me on hold after XXXX minutes the call disconnected. I know he had trans me to her she hung up again. I want for me and my cousin to be compensated for every time they called her cell number and home number and harrassed her and for providing false threatening information used to intimidate. That lady needs to lose her job whoever she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I originally was in default on payments to a XXXX credit card, it was sent to collection, which I disputed. it remained on my report for 7 years and 6 months before it was due to be expunged, the debt reappeared on my credit report but from another source, JH Portfolio Debt Equities, a collection agency who bought the debt. However, without contacting me in any way they reported this debt as delinquent. I contacted them explaining that they were in violation of the Fair Debt collection Act and they should have contacted me PRIOR to posting it as adelinquent debt. They basically told me that they could do as they wish, and unless i was prepared to pay up the report would remain. After this they began reporting this debt each and every month since XXXX of 2015. I feel this both vindictive and an abuse of their power. I explained to them that at the time of default I was not unwilling to pay the debt, simply unable. 
Is there something you can do to have these multiple reports erased and further reports curtailed? I have rebuilt my credit and have had no issues with other lenders. I find it grossly unfair that these 'collectors ' of dubious origins and nefarious practices are allowed to wontonly destroy peoples credit because they can not collect. Had they contacted me PRIOR to reporting, I most likely would have agreed to a settlement to avoid my credit score being marred.

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 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Lending Solutions Mortgage/ LSI Mortgage
State: MO

Complaint narrative:
I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-01 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: Rossman & Co & PCB
State: OH

Complaint narrative:
ROSSMAN & # XXXX reported an account that was in a Bankruptcy and need to be updated properly. The original holder of the account was # XXXX This is a error and needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I have received notification from Valley Empire regarding an outstanding account balance. I contacted them in writing to dispute the debt and provided them with my full account history regarding the debt through the time period they were claiming which showed my account number and that the account was in good standing. I then requested that they verify the debt and contact me in writing only in the future. I received a response in writing stating that the account that was owing was a different account number then mine and I needed to provide information for that one, which I only have one account as it is for a utility service for a single family residence. 

I then received notification from my employer that they had received an employer verification and that when they called them back the company identified themselves as a debt collector and that I had a debt owing. When I called the company regarding this matter they stated they needed to verify my information as they had n't heard from me, I informed them that I had receipts from the certified letters I had sent proving they had heard of me and that the debt was invalid which they objected to until I offered to provide them with a copy at which point they admitted they received the notification but had n't heard back from me. 

I asked that they verify the debt and provide me with proof, I did n't get it. I sent in my full account history and was told that it did n't matter as they have another account number within the same period of time of the full records I shared with them and that I have to provide them with proof of this " other '' account. They received my request for information and written correspondence only and a week later contact my employer for employment verification. They identified themselves to my employer as a debt collector and that they were obtaining information for a debt that I owe. They then denied receiving my request to verify the account information and only acknowledge after I confirmed that I could provide proof, but have yet to send any supporting documents as they claim the burden of proof is on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian is ignoring my numerous requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I disputed my auto loan account, XXXX ( XXXX ) with Experian, due to the fact that the status updated is reporting inaccurately ( XXXX 2016 ). I have also reached out to XXXX in regards to this matter. Both XXXX and Experian have failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.

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 2017-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: IN

Complaint narrative:
I received a billing statement on XX/XX/XXXX about my loan coming back into repayment. I then received an email today, XX/XX/XXXX, stating that I had a past due balance on my loan. When I looked at the billing statement from XX/XX/XXXX, I did have an {$84.00} past due amount. However, the statement received on XX/XX/XXXX was the first communication I have received from them regarding my loan since XX/XX/XXXX. ( This is reflected on my online account as well. ) Additionally, I did not receive a single phone call or email regarding the past due amount. However, my mom ( my co-signer ) has received north of 6 calls per day regarding this past due amount. When I called to receive information about this past due amount, all the customer service representative said they could do was notate my account. I then confirmed that my phone number is listed on my account and I requested that they remove my mom 's information so she stops receiving calls. I was told they are unable to remove my mom 's information without her approval. Additionally, I submitted an online payment for the past due amount at XXXX this morning, but my mom has still continued to get calls. When I spoke to the representative, he had no knowledge of my payment until he dug around the account a little bit. If a payment has been submitted, all debt collecting attempts should cease immediately. 
I work for a mortgage company and deal with CFPB compliance every day so I understand what constitutes as a violation and not sending me a billing statement or contacting me regarding a missed payment is 100 % a violation. I 'm not sure what can be done to rectify this situation, but something needs to be done. I 'm sure I 'm not the only borrower this happens to. 
Please remove my mom 's contact information from my account IMMEDIATELY. Being the main, direct borrower on the loan, I should have access to any account information that I need and should be able to request any updates to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation