vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have had a loan with XXXX XXXX, now Navient, since XXXX. I recieved the loan because my father signed up electronically under my name and asked his friend to be a co-signer ( unknown to me at the time ). However, I have accepted responsibility for the loan and was told I could defer my payments while in school. However, in XXXX I w as informed that, even though I was im school, I no longer qualified for in school forbearance since it was a private loan. I began repayments and have periodically used forbearance as my only option when in between jobs ( a total of one year cumulative forbearance ). I called on Friday, XXXX XXXX to extend my one month forbearance and was told I no longer qualify for any temporary relief but could apply for interest only payments. I was put on hold and the representative came back to say I was approved and my loan would remain in forbearance for an additional week until my auto pay interest- only payment was processed. I completed an electronic agreement over the phone with the representative, getting confirmation # XXXX. 

Today, on Sunday, XXXX XXXX, I received an electronic message saying my request was denied and that my loan was now past due and in default since they had adjusted my auto-pay schedule ( thus, cancelling my old one ). My account now shows as 2 months past due and in default, which will not only negatively affect me but also my co-signer who also does not have the money to help. I have explained this to Navient and they said I am approved for this new plan, yet this paperwork was electronically sent today. 

They have done things like this im the past, such as saying I am in the in-school deferment program and then removing me randomly placing my loan status to default. 

They continuously do very little to work with me regarding reasonable payment options and it is getting increasingly difficult to deal with, as I am currently in between jobs. I hope there might be something you can do to help me resolve this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: GA

Complaint narrative:
Bankruptcy reported on XXXX and Experian credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XXXX XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XXXX XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

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 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is my third complaint. Bank of America keeps shutting down my debit card at very inconvenient times. the only email I have received on this issue so far claimed I was making very unusual purchases. The most devastating they did was shut down my card when I attempted to use XXXX to get home from work at midnight. I 'm getting increasingly angry at them because they keep thinking they 're not even going to email me letting me know they 've done such a thing. I am making these transactions in good faith and I do n't know what right they think they have to take away my banking ability especially when I 'm relying on online Commerce to get a ride home. I try to call them and they tell me their office is closed. They need punishment if they think they can stop me from banking when I have funds but they do n't have to be available to fix the issue they have caused. They 're forcing me to carry an uncomfortable amount of cash when I 'm supposed to be able to trust them with my money.

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 2017-10-23 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: GA

Complaint narrative:
Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P.S.C., Inc
State: WA

Complaint narrative:
PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed

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 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.

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 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
debt collector ( XXXX XXXX ) violates the FDCPA by falsifying and reopening the collection account of {$1100.00} which was first reported on XX/XX/XXXX with a new open dateXX/XX/XXXX which  made it to look fairly new account resulting in further hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working on a deed in luie for over a year with BayView Loan Servicing and they keep kicking the paperwork back, do n't return calls, or keep setting me up in different programs I did n't ask for. Recently, I 've been entered into a forbearance agreement .... But I never asked for one. They can see from my financial disclosures that I ca n't afford to pay anything on my account. 

My processor, XXXX XXXX, writes me letters with her email address. I email her and she never responds. She includes her phone number, but she never answers it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account

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 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have recently obtained a copy of my credit file and there are still many mistakes in my report. In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX XXXX XXXX XXXX - XXXX : Unverified information XXXX Account # XXXX : Unverified account

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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LendUS, LLC
State: CA

Complaint narrative:
My mortgage company reported me 30 days late on the first day of my loan. I applied for a mortgage with RPM mortgage, the company is also known as XXXX, XXXX. My loan closed on XXXX XXXX, XXXX. In XXXX, RPM sold my mortgage to XXXX. I made my first and all subsequent payments to XXXX. 
Since, I received a very high interest rate in spite of having a credit score of over XXXX. I decided to go for a refinance in XXXX, XXXX. When my new lender was running my credit check, I was informed that my refinance can not go through because I was late on my previous mortgage payments. 
When I checked my credit reports, sure enough RPM had marked me as 30 days late on my mortgage payments. The surprising part is that I was reported as being 30 days late on the same day that my loan was funded - XXXX XXXX, XXXX. For some reason, RPM had reported to the credit bureaus that my loan originated on XXXX XXXX, XXXX instead of XXXX XXXX, XXXX. 
I reached out to RPM mortgage. The company keeps insisting that XXXX has reported me as late. I have shared my credit reports from all XXXX credit bureaus that shows that RPM is the company that reported me late. RPM is not taking an action to remove the negative information from my credit file. This has caused an unnecessary hassle for me and because I am unable to refinance it has caused a monetary loss for me.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I signed up for the delta american express gold credit card. I was told i would receive XXXX skymiles & XXXX $ statement credit once i reached the requirements. The requirements were to spend over XXXX $ in the first 3 months. I completed that task by 5x & never obtained the XXXX skymiles from american express. The XXXX $ statement credit did go through, however. I have called three times regarding this issue and I keep getting no where. It has been almost 5 months since i opened the account with american express and I expect to get better treatment than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
Capital One has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and XXXX XXXX has not verified in writing. XXXX XXXX which is reporting capital one which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Reporting inaccurate and unverified information from XXXX XXXX XXXX, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX XXXX. It has been over XXXX months dealing with XXXX XXXX XXXX XXXX deleted this account because it could not be verified. XXXX XXXX XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il dept of hc and family service has not verified in writing. Portfolio Recovery which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: AES/PHEAA
State: TN

Complaint narrative:
Reporting inaccurate and unverified information from American Education Services, who has never send me my written contract bearing my signature, in addition, have placed numerous lates on my consumer file even through i was in forbearance and deferment. Currently, I have a submitted a borrower 's defense case against them, I attended XXXX University. It has been over 6 months dealing with XXXX and XXXX. XXXX deleted this account because it could not be verified. XXXX and XXXX took off this account off my credit report and illegally put it back on!!! 
XXXX XXXX has said it will remove my account due to identity theft which was file with the ftc, case number XXXX. Il XXXX XXXX XXXX and family service has not verified in writing. XXXX XXXX which is reporting XXXX XXXX which is including in my ftc identity report file case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have never received a credit report from NOBODY BUT EXPERIAN SAID I ALREADY GOT ONE

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Opened a XXXX XXXX card from American Express, with a signup bonus of XXXX Membership Rewards points after spending {$5000.00} within the first 3 months of the account being opened. I opened this card on XXXX of XXXX, and met the spend requirement in XXXX. Since then, I have had to contact American Express multiple times about the points not being awarded to my account. In XXXX, I was told that the issue was under investigation, and that a decision would be made by 8 weeks. On XXXX XXXX, I once again contacted Amex to see if progress was made. I was told by the customer service representative that the case was closed in my favor, and that the points would be " soon ''. The cause of the this delay was apparently a " technical issue ''. For over 5 months I received no information about the existence, cause, or resolution of this issue and had to contact Amex multiple times to check my case 's progress. Finally, after contacting two representatives on Amex 's chat tool, I was told that I would need to wait another statement period for the points to be awarded. Amex has already taken responsibility for this " technical issue '' and has offered very little in amending the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase reached out to my wife asking for information on XXXX wires we completed. Although the information was provided timely to Chase representatives, Chase froze my account without a warning. I called the bank and had the freeze lifted, but meanwhile XXXX credit card payments were declined and XXXX checks bounced. I experienced XXXX in return payment fees because of Chase error. When I called the bank and asked to reimbursed for the out-of-pocket expense because of Chase error, was told by members of their compliance department that Chase would not reimburse the costs, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX account delinquent when it was discharged in CHP XXXX.

Company response to consumer: Closed with explanation