vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX of 2018 I re-enrolled in college. I have been, and continue to be current with all monthly student loan payments. On XXXX XXXX I received a notification via email from Navient that my accounts have been placed in deferment as a result of information received from myself or my school. The notification states that I am responsible for any interest that accrues during the deferment period. 

I did not request a deferment on my student loans as I intend to continue with my regularly scheduled payment plan while I attend school. 

I have contacted Navient to reinstate my regularly scheduled payments. I have also contacted my school to see what information they may have relayed to Navient. 

I feel that this is an unfair business practice. Placing repayments into deferred status and gaining from additionally accrued interest without consent from the account holder should be illegal. Navient has a long history of manipulating payment options to the detriment of the consumer. Their organization makes it very difficult to make additional payments and pay off loans early. Early payment is allowable under the legally binding agreement that is signed when applying for federal student loans. I have personally experienced this which is consistent with the overwhelmingly negative reviews left on their App. I encourage you to read the reviews for their app and organization on XXXX XXXX. 

This practice should be ended immediately. In addition, account holders should not be responsible for any interest accrued as a result of unsolicited and unauthorized deferments on their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian Credit reporting Agency is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I  sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to Experian, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have some credit inquires in my credit report. XXXX XXXX  XXXX 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 2018-12-01 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: WA

Complaint narrative:
XXXX  XXXX XXXX XXXX is a company for PROFIT, this company never really does any Disputes. This company dispute process is done by an old computer by the name of XXXX XXXX XXXX  XXXX and XXXX XXXX  a data holding tank. In fact more than 70 % of the dispute process is done in many 3rd world countries. NOT IN AMERICA. I sent in a complaint and a dispute, under The FCRA 609 ( a ) ( 1 ) ( A ) to XXXX, they came back with ALL computer responses. The company will follow the LAW, they have already made BILLIONS of DOLLARS for maintaining BAD information, INCORRECT information, when ask to provide the documentation, they never had it, never seen it, nor can show ANY consumer a copy of it FROM the creditor. Credit is SO IMPORTANT in the United States of America, we allow other countries to handle it for us, some will call it cheap labor, which NONE of them, have been trained to understand the FDCPA, FCRA, many of them do not speak English, just the script they have been taught, to read.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a mortgage with XXXX XXXX XXXX  in discussing the interest rate they advise me that the rate was based on my credit report and that I delinquent with Chase Card Services acct ending in XXXX amt.  XXXX .... This acct has nothing to do with me it belongs to my wife XXXX XXXX and I was NOT an authorized user on this acct. I have contacted Chase and they have advice they will be removing this ERROR from my credit history with XXXX and XXXX ... I would appreciate if this error is removed as soon as possible from my record so that I may receive a better interest rate on my new Mortgage. Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My XXXX XXXX XXXX account was to be added to consolidated credit counseling program. There seemed to been a problem transitioning into the program.Sychrony bank put three late fees onto my account and an over the limit fee! I was contacted asking that we pay {$150.00} minimum payment for the mistake. I would like the error corrected on our credit and account. We have made every attempt to keep the account current synchrony bank has been incredibly difficult.

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 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It appears like this complaint already went to a Company with a similar name! 
The Complaint is about Experian! 
Still - this Complaint will almost certainly reach Experian on XX/XX/XXXX or sooner! 
On XX/XX/XXXX - ALL DEROGATORY ITEMS SHOULD BE DELETED FROM ALL FILES! 

-- -- COMPLAINT! 
About more illegal & un-ethical behavior from Experian! After more than a year of doing illegal & un-ethical things to me - including - among other things - inserting false info in my files - failing to remove false info! - Even after 30 days! - Even after 300 days! Re-inserting derogatory items - spamming me more than 50 times - literally - here 's what Experian has done in the last few days! Experian sent me a paper-mail letter claiming that - allegedly - they claim - they allegedly needed to talk with me on the telephone to fix the problem with the false info in my file! They claimed they allegedly did not know what account I was talking about! The account company is " XXXX XXXX XXXX '' aka " XXXX XXXX '' and aka simply " XXXX '' The rules of this CFPB Website say not to state account numbers in this form. " Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. '' R partial account numbers ok for this website? The last 4 digits? The account with the false info is THE ONLY ACCOUNT WITH DEROGATORY ITEMS! The account with the false info is also THE ONLY XXXX ACCOUNT! It seems like the Experian empoyees know exactly what I'm talking about! Even if they lie & pretend like they don't! I also sent the account number to Experian by e-mail. TODAY I TELEPHONED EXPERIAN 4 TIMES! All 4 times I was trying to do what Experian said to do! All 4 times I got a computerized voice - NOT a human! It would not let me talk with a human!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has been reluctant in addressing my concerns in detail as follows : # 1 A clear documented chain of title, from the origination initiated by XXXX XXXX XXXX , XXXX up to its current " XXXX &   XXXX. '' # 2 Documentation of the delivery an acceptance receipt from the originator to the sponsor, a delivery an acceptance receipt from the sponsor to the depositor, and a delivery an acceptance receipt from the depositor to the Trustee 's. In addition, to all original notes, all on-time payments made and all original documents that were executed from the originator up to the current XXXX & XXXXXXXX XXXX See attachment of my deed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: FL

Complaint narrative:
The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On or about XX/XX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Additionally, Experian has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX XXXX   XXXX {$600.00} XXXX XXXX XXXX XXXX {$670.00}

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 non-monetary relief
Consumer complaint received 2018-12-01 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: GA

Complaint narrative:
I have some credit inquires in my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX XXXX official complaint is against PRO COLLECT & XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
XX/XX/18-Called Specialized Loan Servicing to inquire why I am not receiving payment coupons. The Representative XXXX # XXXX said my loan was put into 'fourth position '' and this is happening to a lot of customers but the company does not know why. They are in the process of taking each loan number as Customers call to investigate. 

XXXX could not tell me why the loan status was moved. When I requested an explanation letter from the company explaining what has happened over the last several months of payment coupons stopping, she said the company would not do that. Unbelievable! This is unacceptable. I asked XXXX who or what company made the decision to place 3 other debts in front of my loan and to identify the debts. I have no liens. She said SLS does not tell them and she could not tell me, and they would not send me a letter of explanation. I did pay my current amount due over the phone with XXXX who said she would waive the fee. 

I need the help of cfpb because SLS continues in bad behavior and gets away with it. I say this because below are previous cfpb complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXXXX/XX/XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Paramount Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This is reference with closed complaint # XXXX which actually was not properly closed. In letter dated XX/XX/18 XXXX XXXX refused to wave subordination fee in amount of {$130.00}. I've asked couple times PNC customer service about it and was told that subordination fee only applies to refinancing with other lenders. At least twice I've asked to document it in notes and was told that it was done. I've never sign any document to pay the subordination fee. Also {$130.00} was deducted from my payment to principal without my consent. In same letter XXXX XXXX waved late fees in amount of {$350.00} which actually was never done. I've checked all statements from XX/XX/2018 and there is no credit in amount of {$350.00}. 
Three phone calls to XXXX XXXX were never returned. It looks like typical policies of PNC, most of phone calls to managers were never returned and PNC is simply violating the most basic rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed 4 different letters to all 3 credit bureaus asking for validation of a collection account ( XXXX XXXX XXXX  ) that is reporting on my credit that I have no idea what it is. I have yet to receive a response showing proper validation that it is my account and it's not removed. This account isn't mine yet they won't remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Unknown company checking credit known as XXXX , XXXX. 

On XX/XX/XXXX, I received a XXXX XXXX  letter which provided notification of application denial of credit which was conducted by XXXX XXXX XXXX XXXX dealership in XXXX Tennessee. In addition, XXXX XXXX  representative advised that XXXX is scheduled to Experian. The letter specified that they have four credit bureaus which they derived information to XXXX XXXX. These are the following credit bureaus which they have either received information from or request credit information from XXXX , XXXX, XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. In early XX/XX/2018, upon telephone contact XXXX XXXX denied any knowledge of XXXX , XXXX and referred all questions to XXXX XXXX dealership. In early XX/XX/2018 upon initial telephone contact, the representative XXXX customer service advised that XXXX was not used and they have no knowledge of the company known as sagestream. However, they confirmed this information was listed on there denial letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove incorrect addresses. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information. I didn't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
According to section 609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. Please deleted any old address that on my credit report. 
You also have XXXX XXXX account on my credit report. I dispute that this account is mine. I have sign no contract with this company. What are you using to verity that account is mine. I am requesting that you deleted account of 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