vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Back in Fall XXXX, Navinet contacted me rudely stating a loan was due. I stated I was currently in school and faced with other situations ( paying down a debt from my daughters medical bill ) and could not make the payments. Instead of offering assistance - forbearance, lowering payments, etc. they rudely stated that it would go on my credit report, etc. 
I struggled to gather the money to make the payment, but it did n't stop. Month after month and it is still going on. No help, no assistance just rude demanding phone calls to collect my payment or else it will go on my credit report - which it has. 
I just know noticed they took money that should have went to 2 loans ( I have three in total, 2 were activate at the time of this ) and they applied entire payments towards one loan instead of splitting the payment - making me " miss payments ''. Here I was making payments thinking I was helping pay down both loans ( which I actually never knew about since they only told me about one, the one from XXXX ) and they were applying payments towards another loan. 

Here is the payment schedule : Contacted rudely - Fall XXXX XXXX - XXXX Loan : ( the loan there were applying all the $ towards at times ) Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
From XXXX XXXX to present, today 's date XXXX XXXX, XXXX, Synchrony continuous to call telephone number. Synchrony also uses another name GE Money a pseudo for Synchrony bank. I have spoken to a Synchrony representative to stop harassing phone calls. Only a XXXX organization would call to collect or charge late fees on accounts during natural disasters Hurricanes Harvey, Irma and Maria. It is not the consumers fault the USPS mail is effected by the natural disasters. 
Synchrony aka GE Money stop violating The Rosenthal Act. Consumers being violated or harassed by Synchrony contact Consumer Financial Protection Board.

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 2017-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Every since I filed my complaint about my loan rate and closed my CD and checking accounts with Navy Federal Credit Union, I have not been able to gain mobile or online access to my remaining accounts. I contacted an agent via email and still have not been allowed access to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am so mad I could spit nails. We have heard nothing from Experian regarding the data breach. We tried to get information and were sent to an non-working contact site. How will we even know if our financial data was compromised? What 's taking so long? 

Since we have no control over credit reporting agencies, what can any consumer do to protect him/herself? We did freeze our credit in XXXX XXXX, but we understand that the hackers broke into the Experian data base around that time. I could find no email address for Experian either, but when I opened their website, it showed that I could purchase protection from them. HA! 

There seems to be little protection for citizens again big business whether it 's fraud, theft or any other kind of abuse. 

Thank you.

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 2017-09-30 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: IL

Complaint narrative:
The Equifax data breach that happened last month, I am being impacted as part of that & I want to report it. 
I have followed the steps suggested on their website to check whether I & my family members are affected & we are. 
I also enrolled for the protection services they have recommended. 
But the credit freeze service which they are providing are having high charges, I believe these should be made available for free, that is the main concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: WA

Complaint narrative:
Several weeks ago I was given information by a Key Bank agent regarding a new checking account and an available {$300.00} promo. I took said advice, alas, as it turned out the agent led me astray. 

I then talked to various Key agents ( weeks after I initiated the promo ) including a supervisor and a local branch manager to no avail. The branch manager states that there is no one to attach the problem to, as there is no way to retrieve the phone call in question with the Key agent who said I was literally " good to go '' in terms of the new account promo. 

Please note : I followed the Key agents precise instruction/advice as it pertains to the promo ; they gave me that information after looking at my former account with Key which I had to close due to an inability to log in online at the time. As it turned out, my online problems were apparently due to the a bank merger they were going through, but by the time I connected the dots, I had already closed my account. 

I have included an exact copy of a letter that I gave to the bank on XXXX XXXX 2017 ( the branch manager said it would be a smart thing to do so that she could forward it to someone higher up ) Lastly, I just talked to XXXX, the local branch manager at my Key Bank ( at about XXXX today XXXX XXXX ) and she bluntly stated that I can further escalate this issue ( I asked and received a phone number to call ) but she said I will get a " no '' in terms of help. Her confidence about my situation being a lost cause ( my words ) makes me feel even more eager to escalate matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I have requested verification and validation of debt per my right under the FDCPA section 809 a and b yet this company refuses to provide. I also requested them to cease telephone communication yet their auto dialer still calls me several times a day. This debt is not mine and I am demanding proof of this debt. I also disputed this debt yet its not showing as such. This is a violation of the FCRA. I also do not believe this company is bonded to collect in my state. The last four of my ssn are XXXX and my date of birth is XXXX/XXXX/XXXX. Please send proof of this debt to XXXX XXXX XXXX XXXX, TX XXXX. If I must I will seek legal advice to protect my rights. If my rights are violated in anyway I will seek actual and statutory damages against you and your client.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a member of XXXX XXXX in XXXX NJ for 15-20 yrs. The only contract I signed was in my first year. My method of payment was automatic credit card reduction. On XXXX XXXX of this year, I decided ( along with my wife ) to switch gyms. We informed Golds on XXXX XXXX. I called Chase XXXX on the XXXX to inform them to stop payment of any further transactions from this vendor. My next payment was due on the XXXX of XXXX and my wife 's next payment was due on the XXXX of XXXX. 
Sure enough, on the XXXX of XXXX, I received a notification on my phone that a payment was authorized. I immediately called them to inform them that the payment was made and they assured me that it was only pending and that there was a dispute in process. Sure enough, on XXXX XXXX, the next payment was subtracted. I called them again and they once again claimed that it was a disputed charge and would be taken care of. Finally, on the XXXX of XXXX. I received my bill and the charges were on my bill. Again they told me that the charges were pending and a refund would be given if they could get the funds back from the vendor. Since there has not been a contract in many years, I should automatically be put on a month to month basis and not required to abide by the 30 day exit period. I feel that Chase XXXX chose the vendor over me, when in fact, the dispute should be between the vendor and me. XXXX should have cut off the vendor when I requested and let the vendor come to me with any complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I sent a complete FHA HAMP loan modification on or around XX/XX/XXXX to XXXX XXXX XXXX and to their foreclosure attorney XXXX XXXX XXXX XXXX, XXXX. I received an letter from Nationstar Mortgage who now call themselves XXXX XXXX. Also, I never received any notice stating their name had changed either. Furthermore, on or around XX/XX/XXXX I receive a incomplete letter from XXXX XXXX stating I need a profit of loss statement and I submitted a incomplete five page FHA Hardship affidavit. I called in on XX/XX/XXXX and XX/XX/XXXX and spoke to relationship manager XXXX ID # XXXX and I asked if she could mail or email me the 5 page FHA hardship affidavit. She placed me on hold and came back and stated she could not locate this FHA Hardship document and she also stated she spoke to her supervisor and they advised me to create a online account to get the missing Hardship Affidavit. Therefore, I complied and open my account online and located the hardship affidavit. My complaint is I never received the five page hardship affidavit and until today from their online application. Lastly, XXXX stated my loan was scheduled for a foreclosure sale date for XX/XX/XXXX. I submitted my FHA HAMP loan modification more than 37 days and my loan modification has not been denied and XXXX XXXX has asked for additional documents that I am submitting today. Therefore, XXXX XXXX and XXXX XX/XX/XXXX and their foreclosure attorney XXXX XXXX XXXX XXXX, XX/XX/XXXXare all committing Dual tracking and breaking CFPB is the reason why I am filing this complaint today against all parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
During the time frame XXXX XXXX and XXXX XXXX, I took out a loan from Navy Federal Credit Union and received numerous threatening letters when I fell behind on the loan. NFCU asked for the title of my car and I explained that I thought it was a personal loan for the amount was minuscule. NFCU continued to send harassing letters, falsely threatening legal action violating the Dodd-Frank Act. 
XXXX XXXX NFCU was ordered to pay compensation to NFCU consumers. I have contacted NFCU via their main telephone number XXXX, informed them I was a consumer effected by their misleading, false misrepresentation of credit consequences letters, gave my name and point of contact. I also asked the NFCU representative why NFCU did not contact me in reference to the Consumer Financial Protection Bureau lawsuit against NFCU? In the redress NFCU is ordered to pay {$23.00} million in redress to it 's victims.
I am still waiting for NFCU to contact me and pay my compensation for harassing, false, threatening debt collection letters. Today is Saturday XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: CITIBANK, N.A.
State: OK

Complaint narrative:
Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.

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 2017-09-30 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: CA

Complaint narrative:
Equifax was hacked and knowingly kept this information from those affected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX Credit Card. 
Suddenly they stopped the use of my credit card, They send me a few e-mails to correct the problem, it says chase fraud protection, asking me to recognize some transactions, I do not respond immediately, later message says response is not valid anymore, when I call, many questions and card is blocked, I spoke to several associates and no success, they say someone will call me within 24-48 hours, I got a prepaid phone, If I do not answer they leave a message to call back, I called, the the process is the same, someone needs to call me back, and the process keeps going on, I got tired and ask them to close the account and they can not close the account either, they say someone will call me, I said I can wait 5 minutes I will answer the phone, someone called me today X/XX/2017 and person from chase did not talk at all, so I hanged up. 
this is so frustrating, I do not owe any money to them I just want to close the account, tired of wasting time on calls and dealing with Chase associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient is not helpful in offering a temporary stop of payments due to financial hardship. They state I have no more time to delay payments. Their customer service is horrible and based overseas. This company is the worst to deal with and send harassing letters to my co-signer a day after if my payment is one day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to submit an dispute online and Equifax website is not allowing me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
transunion credit report inquries that castumer servis did not help with XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/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 2017-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have two private loans that are with Navient. They are about {$10000.00} each. I have been paying faithfully for a couple of years now. My grandparents ( both XXXX ) cosigned on these loans in XX/XX/XXXX-XX/XX/XXXX. Since my grandmother has XXXX, I have been trying to get her released from the loans. She XXXX XX/XX/XXXX. I made several phone calls to Navient and did not get correct info on how to go about releasing her. In XX/XX/XXXX, I received a letter saying that XXXX XXXX. ( Navient 's lawyer ) was suing my grandmother 's estate for the balance of my loans. Navient customer service reassured me that if I submitted a XXXX certificate that the whole thing would be dropped and I could go on paying regularly. So, I submitted one twice and was told it should be all wrapped up by XX/XX/XXXX. But, the lawyer continues to harass my grandmother 's estate and even told the executor that my loans are now in default. I can not seem to get anywhere with either Navient or XXXX XXXX. XXXX XXXX. says they have no intention of dropping the suit against the estate even though I am current with payments.

Company response to consumer: Closed with explanation