vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowed my information to be hacked, and they waited 30 days to notify me. Now when attempting to place a fraud alert on my account their phone and website are not functioning properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has mishandled my information. It has recently become known that Equifax 's database was breached, putting myself and millions of others at risk. Furthermore, in spite of knowing about it for some time, Equifax made little attempt to notify me. This has now has cost me several hours, and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from any company, especially one I have never chosen to do business with. 

Please take prompt and decisive action to ensure that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: SC

Complaint narrative:
I provided information to Experian and the creditor XXXX XXXX in XXXX and XXXX of XXXX which proved that the XXXX XXXX ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. Experian indicates in the status field of my report that " This account is scheduled to continue on record until XXXX XXXX '', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact Experian online about this matter.

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 2017-09-13 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: EQUIFAX, INC.
State: OK

Complaint narrative:
My personal information was leaked by Equifax which puts me at great risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Due to negligence on the part of Equifax, and allowing my personal information to be released without authorization, I am spending my time attempting to mitigate the potential losses from this company 's negligence. I have been shuffled from online to phone numbers which do n't answer, and also to a web site explaining that I now need to pay them to protect my data after their breach. On behalf of myself and all my family members, this unacceptable! You should be paying me for my time to attempt and hopefully fix your problem.!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I would like validation of my student loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been dealing with student loans for over 10 years and it has not been easy. I feel they are extremely hard to deal with and it seems everytime I put myself into a forbearance or a income driven payment plan, it does n't seem to last and when I think that I 'm done with the loans for a minute to get myself situated, then all of a sudden I 'm getting phone calls and emails saying I 'm due a payment or more or phone calls as them saying basically I have n't done anything with the loan. Its very frustrating. I call them, let them know my situation they give me my options, set me up on a plan or whatever I qualify for and I get off the phone thinking I accomplished something and I have n't. I am really wanting all my student loans to be validated basically, because really I honestly feel these loans are outrageous and I just think its a way to get individuals money. I do n't have money to pay off or to pay on student loans when I 'm barely making ends meet within my household. If I ca n't pay rent NO I 'm not making any type of payment to pay down these loans. I do n't understand how difficult this is to comprehend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: VA

Complaint narrative:
i applied for a loan and these two credit cards showed up and I have never applied for these cards. XXXX XXXX {$840.00} and a XXXX XXXX for {$740.00}. I never had or used these cards and would like for them off my record. I do n't read well or use a computer. Got a relative to try and get this mess straight for me because Im old and do not use credit cards or order items. I m XXXX and XXXX XXXX XXXX XXXX completely. Not making excuses but I trying to get my point across.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
I have already spoken with them and made arrangements to make my payment and they called me today 3. Times back to back. Also told them to not contact my at my job and they keep calling there too

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XX/XX/XXXX My husband and I heard on the news that as of XX/XX/XXXX, Equifax was hacked and our personal information, social security numbers and credit information was breached. 

It is my understanding that Equifax is to offer both of us one years free credit reporting and alerts yet it is impossible to find the service. I have been on the computer all morning. I signed up and was suppose to receive an email to " finalize '' our so called membership and nothing was received.
What is the gov't going ot do about this breach? We feel we should have a lifetime of free monitoring, reporting and alerts as this issue with follow us for years to come. We have worked hard for 40 years to have an excellent credit score and Equifax jeopardized it overnight. They are doing little if anything to help their VICTIMS.
I have spent hours and hours the last two days trying to secure our credit while Equifax does nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: IL

Complaint narrative:
They did n't tell me that they was going to charge me 100 % interest had me to pay back doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: Second Round Limited Partnership, Austin, TX Branch
State: SC

Complaint narrative:
I provided information to XXXX and the creditor Second Round in XXXX andXX/XX/XXXX which proved that the Second Round ( {$3400.00} ) account was being reported incorrectly and was too old to be on my file. The date reported is incorrect and this creditor has already been deleted from XXXX and XXXX because of this reason. XXXX indicates in the status field of my report that " This account is scheduled to continue on record until XX/XX/XXXX'', however it remains on my credit report. I am unable to speak with anyone on the phone about this matter and because this item has been disputed on several occasions, I am not permitted to contact XXXX online about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: GA

Complaint narrative:
I have attempted to dispute alleged debt with NCC for over a month now via postal mail. They have not responded to any attempt is getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax 's security breach has created an undue burden on the entire adult American population, putting our financial and social lives at risk. In addition to allowing all of our sensitive information to be leaked, AND keeping this leak a secret for three months, they have placed the onus of responsibility on the American people to pick up the pieces. The fact that they and the other credit bureaus stand to make a profit off of this national crisis is unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: IL

Complaint narrative:
I tried to contact XXXX in XX/XX/XXXX of this year and requested proof that the bill was due. I was a student there from winter XX/XX/XXXX until Spring XX/XX/XXXX when the semester ended. I was not made aware of any other classes needed to be taken and was even allowed to get my unofficial and official transcripts sent to three other colleges I attended since then. 

I was planning to attend a XXXX college this fall and to my surprise I could not get financial aid due to this issue. After speaking to the XXXX representative I was told a list of fees could be sent out to me yet I never received it. Then I reached out to Great Lakes where the loan was being collected and asked for a deferment form and it was not sent out either. So I contacted the Department of Education and asked for the signed promissory note. It came in the mail two weeks ago and while it had my name and a temporary address listed on the signature line my signature was not there only a host of letters and numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I just would like a debt validation of the loans I owe, what is my true balance. There are to many adjustments for me to pay. Feels like I 'm in Jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
You have a link to TransUnion 's 'credit freeze ' page. They recently changed it to push people into their credit monitoring service and it 's now incredibily difficult to find the credit freeze link.

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 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.

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 2017-09-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has through gross negligence, leaked millions of social security numbers, dates of birth, and driver 's license numbers. These are things that can not be changed, so anybody who has access to this info can potentially steal my identity at any point in time. Beyond this, Equifax refuses to properly inform people who have been affected. Even their online system has been shown to randomly tells you you are affected or not. Now, to protect your credit, every person has to pay for a credit freeze and unfreeze and refreeze their credit every time they need to open a new account. With fees up to {$10.00}, a family of four stands to pay {$120.00} to freeze our credit and then each of us will need to pay {$60.00} to unfreeze and refreeze each time up apply for credit.
The following should be done : 1. Mandate Equifax to inform every affected customer by postal mail.
2. Make credit freezing and unfreezing free at all 3 bureaus 3. Based on the gross incompetence they have displayed, Equifax should not be allowed to maintain consumer credit information anymore. The other two agencies must have high security requirements mandated on them including periodic penetration testing and ethical hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon learning about the Equifax security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XX/XX/XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
Complaint of OCWEN LOAN SERVICING, LLC Property sold address : XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX sold a jointly owned property on XXXX/XXXX/2017. Sale price was {$630000.00} and mortgage balance of {$320000.00}. Ocwen XXXX XXXX withheld {$570000.00} from the sale of the property instead of the remaining mortgage balance of {$320000.00}. The balance was adjusted due in part to a modification and Form XXXX was issued to us. We had to file the forgiveness of debt amount as income on our federal and Massachusetts income tax returns. Ocwen Loan Servicing, LLC added back the forgiven amount back to the mortgage balance. Instead of receiving {$310000.00} from the sale amount of {$630000.00} we only received {$24000.00}. 
We are asking the Attorney Generals office to assist us in getting Ocwen Loan Servicing to refund us the balance of {$290000.00}. This amount represents the difference between mortgage balance and the amount paid to us of {$24000.00} received from the sale of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
XX/XX/2013 {$180.00} I am currently disputing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I have no affiliations with the National Credit Systems, so they must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! I also request that all documents sent via U.S.P.S.

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