vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I am XXXX XXXX and when i called Navient solutions in XXXX to ask for private loan forgiveness due to XXXX XXXX they stated that I couldnt not because it was A private student loan thru sally Mae originally and i said that all my sallie Mae loans were forgiven and another one that was with A bank which was A private student loan. I asked again in XXXX, XXXX and they continue to say no and every year until i just noticed that this whole time, they have lied to me and call me every 6 months asking if i can Increase my payments. This company has put me in so much stress fighting with them that i was having XXXX and i just called them now and when i asked about loan forgiveness she said they dont offer it but as soon as i said thats actually not correct i had A company in XXXX private student loan and because Im XXXX XXXX it was forgiven and then she stated your doctor said your XXXX XXXX i said yes and why is your company stating you dont offer it when its actually available and she said Ill mail you the paperwork i said thats fine but Ive been paying monthly and i was lied to and all the stuff i had to go thru and now its me filing all over again plus its effected my credit etc I was taken to court by XXXX XXXX years ago for the same issues and finally after doing thru so much stress with them fighting for private loan forgiveness and doctors filing they approved it but Navient even went after my social security and had money taken out knowing i was XXXX and unable to work

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
XX/XX/2017
$XXXX Wrong company report debt -never mine
HIPPA Violation
Medical Bill

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: ND

Complaint narrative:
On XX/XX/2019, I sent a letter to Experian requesting validation of a debt. Despite numerous attempts, they have failed to comply with my request. Their first response was for me to contact the company reporting the information to my credit report. XX/XX/2019, I sent a second letter to Experian requesting that they validate an entry that is listed on my credit report and they have failed to do so in accordance with the Fair Credit Reporting Act. Experian has not provided any documentation as to how they validated that the debt is in fact mine. I received a letter from them dated XX/XX/2019, stating that they have completed their investigation and they have contacted the company reporting the information I'm requesting validation on and instructed them to verify the information in question. Experian 's response is not in line with the Fair Credit Reporting Act which states that a credit reporting agency is to provide validation of debt upon the consumer 's request. According to the Fair Credit Reporting Act validation in a copy of the original signed contract or document signed by the consumer. Experian have failed to provide such validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by XXXX XXXX XXXX. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX   XXXX  was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX/XXXX. XXXX XXXX XXXX  or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company XXXX XXXX XXXX take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from XXXX XXXX XXXX for {$19000.00}, which was XXXX XXXX  XXXX faults, now own by Chase Bank . I called Chase Bank and XXXX XXXX XXXX no one wants to help me to remove the lien off my house. XXXX XXXX XXXX  is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with Chase Bank they been collecting interest on this loan and XXXX XXXX XXXX been collecting interest and late charges on this loan, now it is add up to {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX and DEPT OF ED/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have received 3 different medical debts or XXXX debts that I have no knowledge of. These debts are from time and areas I can prove I was not in at the time of debt. I lived in XXXX Texas in XXXX, XXXX Oklahoma XXXX & XXXX, and XXXX XXXX Louisiana in XXXX till now. These are fraudulent debts in my name and I can most certainly prove in court of law my whereabouts and can you encourage the owner of these debts to allow me to prove these facts. Every debt I have knowledge of I have either paid or worked out in settlements and if I had knowledge of these I would do the same. These are not my debts, these are fraudulent debts in my name and if not removed I want to go to court as soon as possible which is the only fair option. Let me prove this is not me nor my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are three public records that appear on my TransUnion credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have disputed charges that were not mine back in XXXX, chase decided to reverse the charges without telling me before hand on the investigation. I try to speak to them get a status on opening a new claim so I can just close out the account they charge me XXXX $ everyday for over draft fee. When I ask to speak to manager I am being ignored or talked down to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX and XXXXXXXX XXXX XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past  due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
Medical debt from XXXX XXXX was turned over to XXXX XXXX XXXX. They turn the collection over even if you are making payments. I now make my payments, at 13 % interest, directly to the collection agency. I recently questioned them as to how my payments are credited as they structure the debt by individual invoice. As an example, one invoice may be for {$15.00}, another for {$40.00}, etc. They told me that the payment is split evenly amongst the invoices. Therefore if I have 5 invoices {$5.00} of my {$25.00} payment will be made to each invoice.By my calculations, depending on the balance on each account, the debt will never be paid as that {$5.00} will go to interest and not to principle. I would like to assign the payments to particular invoices so that I can get them paid off. What options do I have as the company insists that that's their policy and I have no other options? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are three public records that appear on my XXXX credit report. 

One for {$15000.00} for XXXX County Superior Court, which is reporting a balance. This was also remedied under a IRS program. The amount has been satisfied and should not appear on my credit. 

The two items listed under XXXX Magistrate for {$4200.00} and {$5300.00} DO NOT BELONG to me, and should be removed from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
I have a loan with First Associates from back in XX/XX/2013 but I never took the course. I tried with no avail over the years to get it resolved and they are unwilling to resolve it. I am in the process of trying to purchase a home and I keep getting denied because it says I am late every month in the amount of {$3000.00} and that is in collections. It also says that a {$33.00} payment is due a month but when I contacted First Associates they stated that the loan had reached its maturity date so there was no payment due. The loan can not be in collections and late every month they need to fix this issue or I will file a lawsuit to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have checked my credit report & notice they have been some accounts & collections on my report that I had no idea of, I do not recall have contact these companies multiple time & even sent dispute letters with all 3 credit bureaus, I put a fraud lock on my report & Filed a FTC & Police report as well stating I'm a victim of identity theft & didn't authorize anything to these companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: MI

Complaint narrative:
This is part two of a complaint that was sent in last nigh. First of all I want to let Experian know that I could not go back to my complaints and fix the spelling errors. I apologize I'm at the library and they closed on me with new hours I didn't know about. 

I am asking Experian to fix those things on my credit report that was mailed in XX/XX/2019. I received a letter stating all hard inquires would be adjusted within 60 days. Nothing has happened except I keep getting letters after the one you said you were fixing my report to stating that I need to send in Bank Statements, Id and other proof. I wrote back to you and told you that after I reviewed everything I sent that my banking statements, my Identification and the police reports I sent all identity who I am.

I asked Experian to report my my credit cards ending and XXXX and XXXX  to be reported separately.

I also, asked that Experian stop reporting my credit cards as new accounts since I have had them both over 2 years with no proper reporting. I asked that Experian report my good standing properly as XXXX  has accomplished and XXXX also has done so. My new score with XXXX is outstanding and XXXX will reporting my new numbers shortly.

I asked that no credit freezes or fraud alerts be added to my report as I referenced in my XX/XX/2019 documentation. I also asked that XXXX. XXXX be taken off my report I am not a XXXX. I'm at the library as I said and just uploaded colorful Id of myself to go along with the pages of documentation I already gave you in XX/XX/2019.

In another letter that was sent to me it stated that you needed banking statements, you need proof of Id and utility bill. I worked my XXXX  of while I am in critical condition for several major surgeries and due to go back in the hospital. My last hospital stay was for XXXX in which I spent 17 days in XXXX and lingered on my death bed for several weeks. I would appreciate it if my file can be fixed the right way. That Experian will show my credit score as the other two agencies have done. I am XXXX  years old and I have had my credit file from the 1970 's. Again my credit cards have been reporting for 2 years and that's what it should show now.

I also just uploaded more identification in color to go along with what I already sent Best Regards, 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 non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX someone accessed my mother 's Chase online login, through which she had access as a user of both my and my brother 's bank accounts. That person initiated a XXXX with XXXX transfer from my brother 's account into my account, then transferred {$1300.00} out of my account with XXXX to a person no one in my family is familiar with. Due to a low balance alert on my brother 's account we became aware of this issue almost immediately while the transaction was pending and called Chase, but it was not stopped. Then while my mother was on the phone filing a claim ( I could not as it was technically my mother 's login compromised ) they initiated another transfer for the remaining sum in the account, around {$250.00}, and this transfer was stopped as not authorized as they were on the phone with her. We have not heard any resolution on this claim despite multiple family members trying to speak with someone in the fraud department. They did as a courtesy make the funds available again, but pending resolution of the claim they may need to be returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I do not know why they are calling. My complaint is for Caller ID spoofing. This company has repeatedly called from spoofed phone numbers that appear local to me. 

These are a few of the calls, but they've been calling me for a while. If a more thorough call log is needed, I can provide that XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX  XXXX XXXX has been harassing my family with phone calls related to my account. I have responded by mail to all of their print correspondence and have even sent in payments as a show of good faith that I am trying to resolve the matter. I wish to file a harassment complain against them in hopes of getting them to stop calling my friends and loved ones. 

I have their address listed as : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION
State: NC

Complaint narrative:
I sent in my background check from FirstAdvantage for XXXX XXXX, I put both of my charges ( XXXX  on XXXX, XXXX XXXX XXXX XXXX ) on my back ground but the only one that came back was my XXXX on XXXX charge was admitted and the background said I did not report my other charge and I did. I need it fixed now please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am concerned that I am being targeted due to being a minority and my credit limit has been decreased without notice the second year in a row. I have not missed a payment with Discover and have been keeping my balance at 50 % usage for some time now. I attempted to use my card today and it was declined and when I checked my balance online my card limit has been not only reduced but caused the card to be over the limit. This action is not only unfair because of the harm it can do to the credit score but it was extremely embarrassing not to purchase items otherwise I would have been able to. I spoke with a representative on XX/XX/XXXX19 at XXXX in which I was told the department that would be of assistance opens at XXXX. I called back and spoke to the department that was told could be of assistance at XXXX and they informed be that the credit line was decreased and the notice is still in the mail. Unfortunately, they were not helpful in resolving an ongoing issue that I believe is directed towards minorities. Again, I have not missed a payment since I received the credit card and to be treated in this manner is completely unfair.

Company response to consumer: Closed with explanation