vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-01 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: HI

Complaint narrative:
Ever since I have been working with Navient when it transferred from Sally Mae I have never been able to get a forbearance and to this day have failed to get a low income driven payment.

I have tried many times via fax mail or with the phone app. And still either missing a page or never received.

After graduating XXXX College in XX/XX/XXXX I was unaware of the debt I would have. Continuing my education at another private school as XXXX  College recommended .. I am now {$75000.00} in Debt. Thanx to high interest while I was still a student and thanx to Navient destroying my credit report, I have tried working with them to get help as I was denied my private loans I was approved at our local XXXX college due to my high debt. But I need to finish my education. Navient has made it impossible to work with, calling me at weird house, unable to get through there automated system, then unable to get forebareance. Never had this problem with XXXX XXXX. I need help as my students loans are becoming even more maxed out. I barely work as I have to take care my family I should be getting my education but I cant because of all this interest that is eating away my educational enlightenment.

Please help XXXX College was a fraud. Although they didnt get in trouble until XX/XX/XXXX. They acted the same way probably since its foundation. High interests, talk students to go to private school and never had life long job placement. They lied. They are no longer and I feel my degree is worthless. Navient refuses to listen or help mediate my frustrations. {$75000.00} debt. I am a mother of XXXX and stuck with my associates. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX  to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the  state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: ACS Education Services
State: NY

Complaint narrative:
XX/XX/2016 called ACS for a student forbearance information relayed to me was my loan was being sold to navient that my request can not be granted until the transition period is over and the new loan company has my files. It's in my report that the my loan has delinquencies of late payment. Accountability has not been acknowledge by irther party both loan offices are stating that during transitions the request of a forbearance was not granted and will be applied retro active. My student loan is still showing up as delinquencies of payment. ACS student loan has not fix the account. It is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
As this company states in complaint XXXX, they are just the servicer for Wells Fargo Bank ELT XXXX Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans XXXX  is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans XXXX is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, Wells Fargo Bank ELT XXXX Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the XXXX   Attorney General 's office. Attached is the complaint for both 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 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Sent payment via money order for settlement offer. Post office receipt confirms arrival date of money order wasXX/XX/XXXX. The payment was dueXX/XX/XXXX. The company shows online they did not post payment to account until XX/XX/XXXX. They are still trying to collect the remainder due to the date they posted payment to account after the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 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: AES/PHEAA
State: NY

Complaint narrative:
I started my consolation in XX/XX/XXXX, My school loans total XXXX but the payment was XXXX per month so when with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, XXXX to reduce my month payments. I had a full time job but I work for a XXXX  company and had to pay child support. My budget was fixed. Few years into my plan with them they offered to me a discount for non-payment.

So for many years until present time they had a system that pushes me off my plan after a year or so. In the beginning year I would be reminded and helped with the paperwork. Later year, they were NO help. There answer was always to put me on forbearance for six months. Which put more money on my loan and interest too. It was a scam so I could never pay this loan off. In XX/XX/XXXX, I had taken school loan out and pay them off before ten year because it wasn't a scam.

More then that I when qualified for program for working for a XXXX the more difficult they became. I sent them a copy of my income taxes but they didn't due anything to fix my problem. I got paperwork back into them and they did nothing to help fix my payment problem. For over a year they locked me out of web system but wouldn't help unlock to get my loan straighten out. Nobody would help by phone and they would push me back to a locked system. My loan when from XXXX to XXXX because they locked me out of the system. These last two year I steadily pay them XXXX a month because they would help fix my payment plan. They locked me out of payment plan all together and try to false report that I wasn't paying them XXXX a month. They reported on my credit report that I didn't make any payment but I pay XXXX a month.

This company even advertises on the radio and I called them for help from the commercial. They refused to help me telling me that I need to send in my income tax again. I did but no help. There answer always to put the loan on forbearance, which jack the amount of the loan up.

This company uses unfair credit practices. If I had a normal bill month that I could pay then I would. I've had this loan payment for more then 15 years but it only went up even though I paid almost every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; Experian, XXXX, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

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 2018-07-01 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: FL

Complaint narrative:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, XXXX, and Transunion. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

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 2018-07-01 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: FL

Complaint narrative:
almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; XXXX, Equifax, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE ONCE AGAIN FAILED TO REVERSE ALL FRAUDULENT DISPUTES AND KEEPS CHARGING LATE FEES AND OVER LIMIT FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: World Acceptance Corporation
State: TX

Complaint narrative:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON XXXX   111 TIMES AND IS FAILING TO REPORT TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: AR

Complaint narrative:
XXXX XXXX  ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON EXPERIAN 111 TIMES AND IS FAILING TO REPORT TO 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 2018-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

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 2018-07-01 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: TX

Complaint narrative:
Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When I received my Bank of America credit card statement I noticed a {$1.00} " Minimum Interest Charge '' of {$1.00}. 

I am under a 0 % promotional rate through XX/XX/XXXX. 
My minimum monthly payment is {$68.00}. 
I over the last few months I have been paying {$250.00} every other week. 

I have NEVER been late on this account, I pay well in advance of the due date and I pay 5 times the minimum monthly charge, so why am I being hit with the {$1.00} a month charge? It looks like this started about 3 months ago. 

I spoke with a representative on XX/XX/XXXX at XXXXXXXX XXXX and she told me that because my payments were hitting i advance of the cycle date I will get charged. 

I spoke to a supervisor, XXXX, who explained that it looked like I was getting charge the {$1.00} as a result of prior {$1.00} charges, and something to do wt the cycle date. 

XXXX was able to remove the {$1.00} fee for me and she hopes that this will eliminate future fees. 

I asked for the disclosure that says I must pay between certain dates or get changed and they cold not produce that for me. 

My credit score is over 800. 

My concern is that there are probably a XXXX others just like me and they are getting charged this unjust fee. Bank Of America should be able to have sophisticated systems in place to account for this type of situation.

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 2018-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
opened XX/XX/2014, {$860.00}, was paid by XXXX XXXX XXXX at hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Unable to access my financial data through apps or internet. Capital one is blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
GE Money at XXXX calls and hangs up, and usually call right back and always hangs up. I have contacted Care Credit after each call to update them I still do not have the money for the payment and request they communicate through the website but the calls have continued XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a direct deposit account with Bank Of America. This is my social security check. When I opened the account they informed me I had to have a savings account - ok ; Then they deduct {$25.00} each month from the checking into the saving =OK. 

Recently I find that they are deducting a XXXX Dollar charge ( {$5.00} ) without my authorization. This has been going on since XX/XX/2017. 

I have spoken with Customer Service, and two bank officers and they inform me that they can not return the charges to my account. 

I received emails from the bank with fraud alerts - so why did they not send me an email about this change. I consider this another form of fraud. 

I want the funds returned to my savings account. 

I appreciate your assistance

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 2018-07-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
Hello I'm the payee for my daughter who receives SSI to Direct Express every month on the debt card. On XX/XX/XXXX at XXXX an amount of {$810.00} was places on my card as soon as the money hit XXXX was transferred from my account to XXXX XXXX in NV and my card was canceled with no explanation. I live in CA and have no transportation to even travel that far let alone cancel my card that isnt expired till XXXX. Direct express says I made the authorization, lost my card or gave it to someone but a new card will be sent with the remaining balance of {$8.00}. I still have my card never lost it or gave my information over the phone or to anyone. I please need help the funds are to help pay rent and provide for my household. When I try calling the phone hangs up and no resolution. I did file fraud but I feel I need more gelp in my corner its completely obvious this was a fraud situation from doing research online XXXX XXXX does this to the CX and nothing gets done. Please please for the CX can you stop the employees from doing this to other SS recipients

Company response to consumer: Closed with monetary relief