vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint narrative:
Severely limited and expensive repayment options for Americans living abroad. 

My loans were first acquired by XXXX XXXX and then split off to Navient. I am an American living abroad for employment and as such, have no US bank/checking accounts. Originally, XXXX XXXX allowed for online XXXX payments. They took it away, leaving the only repayment option to pay with credit card -- but, they would only accept the payment by charging a {$14.00} credit card fee. When Navient took over the loans, they also accepted credit cards, also for a fee. I have accepted the fee, but now, in XX/XX/2017 Navient refuses to accept credit card payments. If you do not have a US bank account, there is ZERO option to repay the loans without exorbitant international bank transfer fees. This is XX/XX/2017, where most institutions allow for online payment options which include a credit/debit card option. To have a repayment system which discriminates against clients who would like to pay back loans but lack a US bank account is absurd. Especially as the system allowed for online XXXX payments in the beginning. This practice is deliberately set up to incur late payment fees, banking fees and other costs for any student loan holder not able to access a US bank account. While not accepting credit cards or XXXX ( supposedly ) lowers operating costs for Navient, it discriminates against expats who have the means and will to repay loans. In speaking with Navient representatives ( XX/XX/2017 ) about the latest decision to not accept credit card payments, they indicate they are aware of the problem for international individuals but do not yet have a solution. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX ( XXXX ), and XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Soon after finishing college, I started paying on my student loans. My payment was much, but it was what I could afford. Years later, I find out that payment was only being applied to a small portion of my student loans since some are commercial and some are federal. I had no idea my loans had been split up. Last year, I discovered the issue and enrolled in the Loan Rehabilitation program. I was told many misleading things. First was that the fees and interest I occurred would be forgiven at the end of the program. Second, I was told I would be called at the end of the program to re-evaluate my payments as they were transferred out of the program. That did n't happen. I received no notification and we n't into default. Also, no penalties or fees were waived for completing the program. The entire student loan process has been filled with out-right deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
To whom it may concern, I submitted a Multiple Inquiry Removal dispute via Equifax 's online portal in regards to XXXX hard inquiries, that was being reported on my credit report. They received the request on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response the EXACT same day after the receipt of my request one can assbume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Chaplain Financial Services LLC
State: TX

Complaint narrative:
they keep calling me about this payday lone in 2012

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The creditor XXXX XXXX of XXXX XXXX is reporting to my credit as an inquiry. I have spoken with XXXX the finance manager at XXXX. I also spoke with XXXX, she is a XXXX representative in special handling. I have written XXXX approximately three times regarding the same issue. XXXX expressed that he does not have me in their system at all. However, XXXX is telling me that I need a Letter of Deletion from the very creditor who has expressed that they need a letter from XXXX. Meanwhile, my credit standing hangs in the balance. I simply want the inquiry removed. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry Portfolio Services has reported a collection on all XXXX credit reporting agencies. I have sent debt verification letters to the address listed here on XX/XX/2017 and XX/XX/2017 with an improper response validating this account, but no proper validation has been received. I have requested that Cavalry Portfolio verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Cavalry Portfolio is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. Cavalry Portfolio also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I reported to XXXX in XX/XX/XXXX that the XXXX XXXX adverse accounts were the same accounts listed under Department of education as satisfactory accounts. I am no longer liable for any XXXX XXXX accounts. These were paid by insurance. They are also way older than 7 years. I was never given a final response on my dispute filed XX/XX/XXXX. I believe that they thought I would just forget about it. I am XXXX years old and just now learning about credit reports. Instead of teaching me my mother was getting school loans in my name, but that is not the issue. I am no longer liable for them anyway. XXXX has been grossly negligent with my report. They had medical information not coded on my report, listed a XXXX as my address from XX/XX/XXXX and did not list and of my professional work experience from after I graduated college. They only still have a fast food restaurant from XX/XX/XXXX. They had my address as living in XXXX, Ks, XXXX, Ks and XXXX, Ks all in the same month and did not notify creditors about the address discrepancy. The XXXX XXXX accounts are settled. They have also been selling my credit report willy nilly without a permissible purpose listed on my account review inquiries without my consent. There are people who try to tell me they got my report because I got a homeowners ins quote, but I do n't own a home and they say I am not giving them the address that the quote was for. There are a few who just tell me they ca n't find any account for me. This is a blatant disregard for my privacy.

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 2017-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a checking acct. # XXXX with Citibank and mailed them a check in the amt. of {$15000.00} which they received on XXXX/XXXX/16 They were supposed to credit {$400.00} to my account within 90 days So far they have not given me a XXXX even though 3 customer service employees have confirmed that I have met all the requirements to receive {$400.00} bonus. 
They keep telling me that they are doing investigation as to why their computers did not issue credit. 
Citibank can do all the investigation after they credit my account. It is not my problem that their system XXXX up. As a customer I really do not care how they program their computers and why they do n't work. 
Please help. 
Thank you. 
XXXX XXXX XXXX XXXX XXXX P.S. - If you want to publish this complaint, please remove my name, phone # and Acct. # Thanks.

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 2017-01-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, our Menards card through Capital One was denied at our local Menards. Upon contacting Capital One, my wife was told that she could not be given the account balance since her name is not on the card. Thinking the balance was small, my wife sent {$27.00} to Capital One. We had not realized at the time that we had not received a statement since XX/XX/XXXX. Upon visiting Menards today, the card was again denied. I promptly called Capital One and was told I had a {$28.00} balance and could make a {$63.00} payment to settle finance charges. I authorized the payment from our checking account and immediately opened an online account. I then discovered that our balance was {$190.00}, not {$28.00}. I again called Capital One customer service and requested a full record of the account. I was told that the US Post Office had returned our XX/XX/XXXX statement as undeliverable with no forwarding address. WE have lived in the same single family home for 20 years and have not moved. Capital One confirmed the correct address but had not sent a statement since XX/XX/XXXX. I immediately changed to paperless billing and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I paid my Discover card down to XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called to verify that my account was XXXX and that I wanted to close my account. I specifically asked if there was any more charges or interest and was told no. Today, I was told by a lender that a loan request was denied for " serious delinquency '' with Discover. When I called Discover, I was told that because I closed my account in XXXX middle of a billing cycle, interest posted to my account after closing. I was never billed and no one from Discover called me. They told me that they had sent a bill to an email address that had not been active for two years and that I had signed up for e-statements. During the months that I had the account I received paper statements. Interest accrued upon interest for 2 months as well as, late charges. My credit score was lowered. When I was denied for XXXX different loan requests, after disputing the charges with XXXX and having a fraud alert placed on my credit report, ( I thought the Discover account was closed ), I called Discover. While they sympathized that my credit had been harmed and cleared the balance, they refused to correct my credit report stating that it had been reported correctly. 

I did everything right to payoff and close a credit card account including verifying that I owed nothing further. The company confirmed this, yet I now have negative information on my credit report and a lower score and it will be there for several years. This company made no attempt to call me, bill me or contact me to ask why I was n't paying them. I had never been late with them and had that account since the early XXXX 's. Over the years I have paid them thousands of dollars and I feel that they have ruined my credit because I closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After months of a derogatory account appearing on my credit report, I finally got to the right department of Chase bank that handles this matter. I was notified that this was a Chase XXXX account which I never had. I notified them that I was a victim of identity theft and that this account is unfamiliar to me. As they were unable to locate the account, I requested them to remove it immediately from my credit report. They then found the account ( miraculously ) and told me that there was XXXX charge from an " Aives of maine. '' I explained to the manager that I never had this account or a transaction with this company. They told me I needed to fax and mail them in order to initiate a dispute. I called about XXXX times in a matter of 2 1/2 hours because I was continuously hung up on. They also told me the alleged amount was for {$340.00}. On my credit report they are reporting an amount of {$430.00} charged off. This is not my account and I demanded they remove it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied a home loan I meet all the requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
It would take more than this small box to be able to explain the scam and unethical stuff I have experience from XXXX XXXX. The list is long but the biggest XXXX was in XXXX when they contacted me because I was in deferment and it had ended and I was still unemployed, they solicited me to consolidate my loan. But only XXXX4 month later Laws changes and I was given the opportunity to pay off my loan from other lenders willing to offer a 3.9 % loan plus the chance to get away from this scammer that for 4 years where adding all king of fees late fees and so many others that it did n't matter what I paid my debt would grow faster than I was paying. So this would have got me done with them and not have to deal with these scumbags thieves. Well com to find out when the New lender ask me for my Social and look he told sorry looks like you consolidated about 3 months back and you are lock in we can help you. What the XXXX. The way I see it now they used there inside knowledge being part of the government back then and just like inside trading knew this was coming so they XXXX me by consolidated my loans. At no time did they ever mention that this was going to keep me in the debt prison and stuck for life with the worst servicer. And I know cause I delt with is since XXXX XXXX and they were cheating us by doing all kind of illegal stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I do n't know about this debt

Company response to consumer: Closed with explanation