vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient refused to permanently remove late payments shown for three XXXX XXXX  loans that I took out in XX/XX/XXXX for each of my XXXX  sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by Navient. I am currently a XXXX XXXX. When Navient advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, Navient insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in Navient removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, Navient and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with Navient. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Thank you for using the XXXX XXXX XXXX  's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX Filed against : Experian Credit Report XXXX. XXXX  XXXX XXXX TX XXXX Complaint Description : I have contact Experian several times on inaccuracies that they are reporting and they refuse to correct with proof I have provided. I have court Judgement against XXXX XXXX, XXXX and have never been late on any payments. Experian has me at a low credit score which is their was of harassing US consumers. I have NO DEBT nor credit card XXXX. All my living expense Bills are paid in full ever month for at least 30 years. They refuse to correct my credit history, credit score which they say is FAIR and continue to harass US Consumers.

Your Desired Resolution : Do their JOB as they are suppose to be doing in correcting their mistake and sop harassing US consumer by not correcting their inaccuracies in credit report. They need to employ much better train employees. 

This case will be reviewed by a complaint specialist at the XXXX XXXX XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded. 

What would you like to do next? 
View the status of your complaint Return to the XXXX Homepage XXXX  Privacy Policy

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 2020-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a couple questions Ive contacted you directly and you have not responded 1. Why am I not able to dispute things online whenever I log into my account? 

2. Why does it say file frozen due to federal regulation?

3. Why did you add a security alert to my credit file without me asking you to.

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 2020-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX District of Oklahoma sits, recognize that XXXX XXXX loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with XXXX  evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

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 2020-02-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that Tuition Answer loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX refused to permanently remove late payments shown for three XXXX XXXX loans that I took out in XX/XX/XXXX for each of my XXXX sons. The first basis for my request for removal of one loan showing in collections and all showing several months late -- severely damaging my credit -- was that I have several private student loans being serviced by XXXX. I am currently a XXXX XXXX. When XXXX advised that my " private loans '' were in repayment, and I began a payment plan, I reasonably understood that ALL student loans that were supposedly due were included in the repayment plan. Secondly, XXXX insists that the loans were not for my children despite that my children 's names are on the loan documents as the benefactors of the loans. Third, I argued that the negative entries had to be removed, as a matter of federal law, because I was never notified that the XXXX XXXX loans were in arrears. Finally, I filed Bankruptcy in XX/XX/XXXX in the XXXX District of Oklahoma. Many Circuits, including the XXXX Circuit wherein the XXXX  District of Oklahoma sits, recognize that XXXX XXXX  loans are commercial loans and not student loans that are exempted from Chapter XXXX bankruptcy. My last conversation with Navient evinced their attempt to conceal that they were collecting on the XXXX XXXX loan because the agent referred to the loans by either loan number or another acronym -- never calling the loans XXXX XXXX loans. My dispute with the credit bureau resulted in XXXX removing from my credit report the XXXX XXXX loan that is supposedly 18 months or more in arrears and in collections. Within a month of that retraction, XXXX and the credit bureaus added the loan that was in collection back on my report -- -reflecting me being {$7000.00} past due. 

My primary issue is with XXXX. However, that the credit bureaus allow me ( and others ) to initiate a dispute only to resolve said dispute by taking the furnishers ' " verification '' at face value without providing me a copy of the certification furnished denies my right to due process and to further challenge the issue. I would like for the CFPB to ( 1 ) intervene in the investigation into this particularly nuanced case regarding XXXX XXXX Loans i.e. loans taken for a third party and ( 2 ) initiate an action aimed at requiring credit bureaus to make their dispute process transparent and provide the person making the dispute with a copy of the documents upon which the Bureau relied to confirm or modify the information furnished BEFORE such action is taken

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 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My employer provides a benefit which pay $ XXXX/month towards student loan debt for 5 years ( a total of {$10000.00} over the 5 years ). This {$100.00} is sent electronically to my account every month, but not always on the same day. I have contact Navient multiple times asking how I can direct this payment to be allocated to the principal on my loans ONLY, and have gotten different answers each time. Prior to receiving the benefit, I was told it was possible to direct this over payment to go straight to the principal on my loans, but after starting to receive the benefit I have been told this is not possible. So far, I have been making an extra {$100.00} payment to my account since XX/XX/2019, and all of it has been applied straight to interest. Navient has been incredibly unhelpful in helping me address this situation, and meanwhile I am wasting money on making payments on interest instead of towards lowering my overall principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NC

Complaint narrative:
This is resubmitted based off the results of my last two previous attempts to correct this issue. My last two complain submissions were : XXXX and XXXX. 
I am resubmitting this because on my complaint, at the end of the process I was asked if the issue was resolved, I said " no '', then the case was closed. This didn't make sense. 
Now I am submitting more documentation and a better detailing of my issues because the last time apparently wasn't good enough. 
Back in XXXX ( while in the military ) I started making monthly payments of {$53.00} with a Basic pay of {$1000.00}. 
In XXXX my Basic pay went up by {$72.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$83.00} and my monthly payment went up to $ XXXX/m. 
In XXXX my Basic pay went up by {$29.00} and my monthly payment stayed at XXXX/m. 
In XXXX my Basic pay went up by {$240.00} and my monthly payment went up to $ XXXX/m. My Basic Pay was {$1200.00} and now its {$1500.00}. My income did not double but how is my monthly payment almost doubling what I was paying the year before. This doesn't make sense. I had submitted the same complain back in XX/XX/XXXX-XX/XX/XXXX and myfedloan readjusted my loan amount fairly back down to a reasonable amount. Now, in my last complaint, myfedloan only readjusted my loan amount by about {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
We were out of town for my grand baby funeral about a week later.I turn on my answer machine.I heard a message from Citi Sears Shop Your Way Master Card they stating that my card was used possible fraud Charges. I called them back to let them know it wasn't me and I didn't authorize nobody to use my card.The balance is {$1000.00}. I kept calling them to reopen the claim they gave me a fax number.I faxed them twice I still didn't hear nothin from them.I called Citi Sears Shop Your Way Master Card yesterday XX/XX/XXXX to ask her what date this all took place on she said she didn't see a date to give me. I would say some where around XX/XX/XXXX.I made a payment XX/XX/XXXX for {$28.00} I made another payment in XX/XX/XXXX for {$34.00} I couldn't understand why the payment went up.She told me the case is still being processed, I said why I am paying on fraud charges that's not process yet she said Iam not surppose to be paying nothing. I get a bill every month with fraud charges on it, the bill never been adjusted.and nobody letting me know what's going on.I had a XXXX  balance before all of this happen.Thanks in advance.

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 2020-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: CA

Complaint narrative:
I was applying for a home and when they pulled my credit Ascendium ED Solutions-XXXX is showing my account as being a paid collection. THIS IS ABSOLUTELY WRONG. I have always paid my loan on time. They servicing had changed hands several times and I made sure I kept track of the loan and payments. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
Insight capital went into my account without my authorization and withdrew all of the money out of my account. They never once notified me or asked me anything. I never authorized theffm to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: AR

Complaint narrative:
I had first heard from this company around XX/XX/XXXX. I had not prior heard from anyone else concerning student loans. They turned me into the Department of Treasury for Federal offset student loans that were non federal but on a Federal promissory note. I had asked them several times over the course of XXXX to show me how i owe federal student loans or any loans they just kept sending a statement and this promissory note. As you look at the promissory note there is many questions as it appears information was just transposed on a Federal form to deceive the Department of treasury. I was withdrawn from XXXX University XX/XX/XXXX yet they have May loans listed starting XX/XX/XXXX. This whole situation is an absolute mess why did they wait 10 years to start this any private loan which I did not receive would be out of the statute of limitations so is that why information was then transposed to a Federal form. If you look at the information on the form there is nothing federal about it XXXX XXXX  is a private entity as was XXXX XXXX I just want some answers and the truth told to the Department of Treasury who did in fact take my taxes based on false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation