vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My ex-husband and I consolidated a student loan back in 1996 for the amount of {$42000.00}. At the time we were married, and this was the easiest way to make the payments. Our loan was first with   XXXX   XXXX    and then was changed to Navient, whom we now have. After our divorce, my ex-husband went Chapter    XXXX    and by the time his repayment period was up, our loan had doubled to over {$80000.00}. During the repayment period, I tried to contact   XXXX   XXXX   and make payments but was told I could n't have access to the account due to the Chapter  XXXX . After this, we switched to an Income-Based Repayment loan, which was the only way we could afford the payments. We have continued to pay the loan every month since them ( with some time taken off for me to go back to school for a second   XXXX   XXXX   and a  XXXX these amounts are in a different loan with a different company which I repay through Income Based Repayment with no problems ) but our loan amount is now over {$120000.00}, and each year it gets higher because we are never able to pay anything to the principal.
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In addition, every time we try to recertify our IBR, it takes 4-6 months to get the process done. During this time, we are incurring late payments in the thousands and have no recourse but to defer those payments, thus adding to our overall balance. This year, I started recertifying back in  XXXX . I tried to submit my recertification information through FSA but my income on my latest taxes would not show, so I submitted the paperwork directly to Navient, including a copy of my taxes. They notified me that my ex-husband had not submitted his forms ; I notified him, and he did so. Despite that, the problem was not resolved so my ex-husband called Navient and was informed that I had to resubmit my information. I did this three weeks ago. Yesterday I got a notice from Navient saying that they could n't complete our recertification because they did n't receive my ex-husband 's income information ; this after they had told him his information was there, and I needed to resubmit. Now, of course, we have several thousand in payments due, which we ca n't pay-hence the reason for IBR in the first place.
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I want to pay this bill, but ca n't stand the run-around that Navient gives us every time we try to certify. I also ca n't see the purpose in paying a loan every month when the principal never goes down and when the amount is three times the original loan even after 20+ years of repayment. I believe that Navient purposefully gives us trouble with our recertification each year so they can collect more fees from us. To tell the truth, I do n't know where to turn to fix this and am ready to stop paying it altogether. The high amount is already hurting our credit rating in spite of the fact that I am conscientious about paying bills as is my ex-husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This is a problem with my paypal account. They keep asking for the same information, which I provide to them, and then they simply ask for it again, They have had my money in reserve for months for no reason and now my account is limited. I mostly use paypal to buy now for the past 2 years, not really selling with it any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
opened a sear citi bank master card. after only several uses card was declined. when I called they said they think someone else may have used the card. I requested that they immediately close the account. they asked for my password saying it starts with the letter "  XXXX  '', I have no such password. now they say they ca n't verify who I am to close the account. I 've tried 4 separate occasion. I requested they send a form to my address, they have n't. I wrote a letter with the details and a request to close the account including a copy of the bill that was sent to me as proof and a check paying the balance in full. I just want this account closed.

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 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Security finance in  XXXX  Tennessee reported late payment to the credit bureau  XXXX   XXXX  2016 I have since paid the account off and owe a  XXXX  balance however the account is still showing a negative mark on my account and severely affecting my credit how do I go about having this removed.

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 2017-07-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was checking my credit score o n   XXXX   XXXX   and saw that my   XXXX   credit score went down about  XXXX  points during the last   reporting period for apparently no reason, as nothing has changed since the last period. I am filing a separate complaint about this, but this complaint is about TransUnion who I went to, to check for information to compare with   XXXX   to see why my TransUnion score did n't go down, but my  XXXX  one did.
<P/>
I had to make an account to check this information, and they asked for my card information which I just assumed they needed to accurately reflect credit. They made NO indication that I was signing up for a paid account, and now whenever I try to go through their portal to cancel my subscription that I apparently now have, it does n't work. Every contact method they list is related to opening accounts/getting more information and I do n't really want to call because I 'm worried I might end up with more useless charges and no way to get my money back.
<P/>
This exchange happened on  XXXX   XXXX , 2017 and the amount I was initially billed is {$21.00}, which I also assume is going to be a recurring cost.

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 2017-07-17 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: GA

Complaint narrative:
Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been in the process of trying to get my credit information to report accurately. Equifax deleted a judgment off my credit report on   XXXX    XXXX , 2017 for which I have enclosed validation. I went to apply for a house and when they pulled credit  XXXX   XXXX , 2017 it is still reporting. This is absolutely unacceptable. This is hindering my financial move for something that should not be listed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
For the past few years my husband and I have been working hard to pay down my student loan debt, making payments to Navient on time and the amount has, for a long time, been {$160.00}. It is pulled directly from the account on the  XXXX  of every month ( or the Monday after if the  XXXX  is on the weekend ) and we are always prepared for it. Today Navient pulled {$210.00}. We were surprised, went back through our email and found one sent on  XX/XX/XXXX  from Navient with a simple subject of " Here 's Your Monthly Statement. '' We do n't normally look at this email because we know the amount that comes out. They changed the amount without properly notifying us, this was the only email we received of the change. I realize we should have been looking at every single email but they send us multiple emails emails a month that usually have nothing to do with our payments. This feels wrong to me and I believe we should have, at the very least, been sent an email with the subject notifying us of the payment change. My husband did contact Navient customer service to complain and they informed him that we were notified there would be a change two years ago. We have attached screenshots of two emails, one of our usual monthly statement and the other of our recent change with the evasive subject line. We are also aware of the ongoing lawsuit against them and I would prefer to be giving my money to someone more trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I pay on the auto loan the  XXXX  amount between very end of   XX/XX/XXXX   and beginning of  XX/XX/XXXX . I also sent the document of the list of fees and total loss from the insurance to the Gap coverage. The Gap coverage is only suppose to get   XXXX   of the  XXXX  and the remains balance was for me for the storage fees. They refuse to reburse the 600+ amount back to me. So if I can not get the amount funded back to me, instead my focuse is Gap coverage paying the remainder balance of the loan. I have try to work this out, I have contacted the   XXXX   insurance I have yet to here a response from them. I have done what all I can do. Still I am left without a car because my car was a total lost. I have Gap coverage on the loan but they are making it so hard for me and I am too. The point of fed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Prior to paying on my account with portfolio recovery associates, It was in agreement with the reps I spoke to that the account would be deleted after it was payed. I ended up paying the entire amount owed, and received a letter in the mail that it had been paid in full. After months of the debt still showing on my credit report as " paid, {$0.00} owed '' I contacted portfolio recovery associates to ask again for the item to be removed as that was our original agreement. At this time I was given the run-around, told to contact  XXXX  etc to have them delete it. I am currently trying to dispute the item to no avail. I had read that this is a regular occurance when dealing with this specific collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: GA

Complaint narrative:
Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y  XX/XX/XXXX  and still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Bankruptcy was dismissed  XX/XX/XXXX and still has not been removed. ( Was originally filed  XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.

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 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA
State: CA

Complaint narrative:
I have a loan with Mohela ( https : //www.mohela.com/ ). I am in repayment process now and have made several payments on time. However, in the payment history, I noticed that payment was not applied to the principal even for those payment that was paid on time. I contacted Mohela on  XXXX / XXXX /17 and below is the response I received : " Interests accrues daily on federal student loans. Interests accrued between payments : therefore the amount of interest varies with the number of davs that lapse between payments. Payments must be applied first to any outstanding interests, and then to the principal balance. '' The payment that was made a year ago was applied to the principal, but somehow the term of the repayment was unilaterally changed to their benefit. So for the entire year, all of my payments went towards the interest. This is unfair because the payment plan was fixed by Mohela. This is unfair because I would never be able to pay off the loan since the payment will not be applied to the principal, even if it was paid on time.
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Please advice on how to proceed. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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 — Other problem getting your report or credit score
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have made 4 to 5 attempts to Obtain my Consumer Credit & Insurance profile for free from Lexis Nexis Consumer Reports under FACT ACT Disclosure following all procedures as detailed on Lexis Nexis website ; dob ( XX/XX/XXXX ) I have attempted via US Postal Service w proof of identity a mailed request to Lexis Nexis ; yet Lexis Nexis refuses to properly verify my id I have several consumer accounts and the XXXX other bureaus have mananged to verify my id, I am a victim of ID theft and even the IRS was able to verify my id ; why Lexis Nexis refuses to help or disclose my report I do no know as I have acted with integrity in matter pertaining to my request for my Consumer Report DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Acceptance Solutions Group, INC
State: OH

Complaint narrative:
Had gotten aprrove for another loan on Saturday.. representative never called me back to finish the process.. went on line and it said I was approved but never received it. Call today to see what was going on and I was on hol d 20 m ins and more the 3 times I called. When I call back th e 4th tim e the lady knew who I was before I even said  hello..At  this time I 'm frustrated due to the improper customer service I ask her anyway I could cancel it and she rudely said we will have someone handle it and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a letter dated   XXXX   XXXX  , from Kohl 's denying my request for a credit line increase on an account that I had not used in at least three years.When contacted, Kohl 's checked the data and clarified that the credit was sought by someone other than me who was using my social security number, address, and Kohl 's account number, to apply for additional credit. After contacting Kohl 's on receipt of the letter on   XXXX   XXXX  , I called  XXXX  to effect a credit freeze. I then got another letter from Kohl 's on   XXXX   XXXX   also stating my request for more credit was denied - again. I contacted them and a service representative and I discussed the matter at length ; the pertinent information matched except for our email addresses. I was told the individual was apprehended when trying to use the card at a store. I also just received a newly issued card, with the same account number, and when prompted by Kohl 's automatic billing system to provide my SS number, a balance of {$800.00} plus was reported with over {$500.00} overdrawn on the account. Again, an extensive phone conversation revealed that an individual had opened the account in PA, where I do not frequent, had ordered merchandise online, which was picked up at a store in  XXXX , CA, on   XXXX   XXXX  . An associate became suspicious and notified authorities at this point. Kohl 's videotapes all transactions so this is also key evidence. A fraud case was opened with Kohl 's, too : #  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
<P/>
No response to our QWR and NOE request provided by the lender.
<P/>
The lender has also failed to respond to our Notice of arbitration and Lis Pendens

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: MA

Complaint narrative:
About a year ago,   XXXX   of 2016, I received a notification in the mail that it was my last chance to take advantage of a special program that provided relief for people buried in student debt. I investigated by calling the number that was provided and was guided through an information exchange process by a woman named   XXXX   XXXX  . She claimed that if I gave her company my tax and personal information, I could partake in her company 's program that, in her exact words, " would wipe out my federal student debt after 20 years of payments to them. '' This company was EQUITABLE ACCEPTANCE. What I did n't know was that the way she planned on doing this was by lying on my behalf on a federal form. EQUITABLE fraudulently reported to  XXXX , my loan servicer, that I had as many as   XXXX   dependents in order to get a $   XXXX   monthly payment, then charged me {$40.00} a month for it. It shows up on my credit report as a credit card thats maxed out, on which I am making minimum monthly payments. EQUITABLE applied MY SIGNATURE to false information on MY BEHALF, took advantage of the stressful situation I was in, misled me with half-truths and took my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one charged me an annual fee on  XX/XX/XXXX . The fee was for {$39.00}. I tried to contact them in order to inform them i wouldnt be able to pay it due to college tuition amd expenses. They refused to help. I been a customer since  XXXX .

Company response to consumer: Closed with explanation