vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 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.
State: LA

Complaint narrative:
Early in my marriage a spousal consolidation was taken out with what is now Navient ( FFELP department ). At the time it seemed like a good option. We are now divorced. I want my loans separated from his loans. If a major corporation is going to allow spousal consolidations, they should make allowances for spousal divorce of physical person as well as financial person. If one of the parties refuses to pay, that leaves one party holding the debt. There is nothing democratic, fair or ethical about that situation. The department of education needs to fix this issue immediately and HELP the consumers who are trying to HELP THEMSELVES. My credit and payment history are being ruined by my ex-spouse, and Navient refuses to allow some way for me to reconsolidate MY loans into MY OWN account and get financially free from my ex-spouse. 
Also, as a single mom, I am trying to better myself by furthering my education in graduate school without taking out any further loans. Navient is refusing to give me a school deferment because they will not take my ex-spouse 's off of the overall loan. Unless he is in school as well, they will not put the loan in deferment. This problem needs to be corrected! There needs to be a way for spousal consolidations to be fairly rewritten upon divorce so that one person is not left paying all the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have paid student loans with Navient and they keep reporting as Open on my XXXX credit report, this is causing me XXXX and making my life difficult as I have disputed so many times with no help. I would like this updated and removed from my report due to the XXXX it has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I entered college with a full tuition scholarship. I took out student loans to cover room and board ; I graduated with {$15000.00} of XXXX XXXX XXXX now Navient ) debt. 
I 've been making monthly payments for nearly 10 years, solely to interest. I have n't even begun to deduct from the principal. Navient has made XXXX dollars and the pay-off is no where in sight. This is predatory and unmanageable. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have had my identity stolen and I have had bank account opened in my name I have bank in the us XXXX XXXX and bank of America opened they say i owe them XXXX dollars and they have also opened up a XXXX dollar insurance policy on me without my consent using a private insurance company not keep on record

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 2017-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
The credit report is showing last payment date incorrectly. The last date paid SHOULD read XXXX 2008 I was hospitalized due to a XXXX in the date that they are showing on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America have managed several home loan products on my behalf since XX/XX/XXXX. I purchased a XXXX bedroom home in XX/XX/XXXX ( XXXX XXXX ), Bank of America purchased the loan in XX/XX/XXXX. I took out a home equity loan in XX/XX/XXXX from Bank of America, at this time I opt out of having my taxes included in the loan, and paid my property taxes myself. In XXXX XXXX, Bank of America requested that I provide them written proof that I had been paying my taxes and or proof of a payment plan or payment arrangements made with the taxing authorities in XXXX County PA. I sent them the requested documentation they needed but they decided to pay my property taxes up until XX/XX/XXXX ( {$3300.00} ), then forced an escrow on too the account. My monthly mortgage payments have gone up from {$470.00}, a month to {$700.00}, a month. I requested a home re-modification or apply for the HARP Program. My total families income versus the household expenses would make paying the increase a financial burden. Bank of America have denied my home re-modification application. I, as a consumer, have done everything that Bank of America have requested from me. I would like to remain in my current home that I have made monthly payments of {$470.00} and have never been late on this mortgage payment.

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 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I was divorced in XX/XX/2013 and went to living on a single income where I could not afford my student loan payments. I went through deferments because I was not allowed the income based repayment plan. I contacted Navient more times than I can count to try and figure some sort of repayment plan out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Bank of America. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Bank of America regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 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: OH

Complaint narrative:
Please correct wrong report from Sallie Mae and SLM. I have requested MANY times!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.

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 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a Medical creditor 's validation letter to Central Financial Control. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with XXXX Central Financial Control. This was an Medical Bill and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Health Insurance Portability & Accountability Act XXXX Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Central Financial Control. In this case the debt should be removed from my credit report and out of the office of Central Financial Control because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 2015-10-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian ( a client of XXXX ) was hacked. Lacking the appropriate security measures, the hackers downloaded my address, social security number, drivers license, number and the like. The hackers have enough information to steal my identity. 

So what is Experian proposing to do? Offer 2 free years of THEIR credit/identiy monitoring service ( XXXX ). Really? I 'm supposed to trust the clowns that were just hacked with their identity and credit monitoring service? It makes more sense to offer an independent credit/identity monitoring service, such as XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I accessed creditreport and once I got to Experian it did not let me retrieve it.

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 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have faxed Experian and XXXX XXXX the judgment that the court files were paid in full and satisfied. They are still on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute with Experian, as my report contained multiple entries of erroneous information. Experian responded back refusing to investigate the errors stating that my dispute was somehow fraudulent and bewilderingly claimed that it was not me who was submitting the dispute ( see attached response from Experian ). This is a flagrant violation of the FCRAI have also included a copy of my original dispute letter to Experian that has my identification information and the list of disputed accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a US Department of Education ( Direct Loans ) account on my Experian credit report that shows past delinquency. This is inaccurate information. I disputed the account with Equifax and TransUnion, and it was promptly corrected. I have attached a copy of the dispute results from XXXX. Experian refuses to reinvestigate the account, stating that they previously verified it in XXXX 2013. The dispute from 2013 is unrelated to my current request. This account is no longer serviced by the Department of Education, as it has been transferred to XXXX. I would like for this account to be deleted, or for the delinquency to be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have mailed, filled out online forms, called for them to remove my fraud alerts and update my personal information that I can apply for car loans, mortgages and housing. It has been well over 4 weeks since my first contact with all the credit bureaus and no financial institution can process my application because the info on all my reports are outdated with old numbers and addresses ... I changed phones number recently but the fraud alert is tied to my old number. I keep trying to get them to update my number and they say they will do it every time but I have seen no resolution or change on my end ...

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 2016-08-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: RMB, Inc.
State: NC

Complaint narrative:
I accrued medical bills from XXXX XXXX and XXXX XXXX system after an illness in XX/XX/XXXX and have been making monthly payments of between {$50.00}. and {$200.00}. per month to XXXX XXXX depending on how much I can afford each month.The original bill from XXXX was for {$1500.00} and my first bill was due in XX/XX/XXXX. I paid {$50.00}. in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, {$180.00} in XX/XX/XXXX, {$100.00}. in XX/XX/XXXX, and {$200.00}. in XX/XX/XXXX despite not receiving a bill in XX/XX/XXXX. My current balance is {$900.00}. and I expect it to be paid off by XX/XX/XXXX now that my other medical bill ( XXXX Healthcare system ) is paid in full. All bills were paid before due date. None were late! Today I received a letter from a collection agency for my unpaid balance affecting my credit. It would be another story if I were making minimal or late payments but that is not the case. This is n't right!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.

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 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN Investigation Results XXXX XXXX : XXXX Student Loans Credit Reporting CFPB Complaint Number XXXX Dear CFPB and Federal Reserve : Per results of the investigation initiated via CFPB web portal. The results of EXPERIAN investigation concluded nothing and response was not provided with CFPB complaint number. 
EXPERIAN continues ongoing disrespect and disregard for the Fair Credit Reporting Act, consumer protection, CFPB regulation of consumer reports, examination and compliance. 

Due to EXPERIAN willful non compliance. The CFPB dispute resolution process was not fulfilled. 
EXPERIAN may lose XXXX dollars as a result of continued non compliance and boycott of this agency by consumer creditors.

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 2016-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX for reporting late payments for an account during a period which they were not the loan servicer and for reporting late payments on discharged debt. XXXX issued a letter dated XXXX XXXX, XXXX which stated they have deleted all information regarding the loan. 

On XXXX XXXX, XXXX I obtained information from Experian, XXXX and XXXX that states my FICO score is negatively impacted by " your mortgage or non-mortgage installment loans ''. My wife, XXXX XXXX XXXX, and I have no installment debt and any mortgage debt was discharged. 

Additionally, Experian says my revolving debt has " heavy use ''. I have a {$3500.00} credit card that is paid to XXXX or low balance every month as I use it for business and am reimbursed by my employer every month. 

This type of information is negatively impacting XXXX XXXX score and my wife 's. The fact is I have a zero balance on on credit card and the other card ( XXXX ) is paid off monthly. The lower FICO score is impacting the mortgage loan quotes we are receiving for the purchase of a residence. 

XXXX states it has removed the XXXX information yet the attached was obtained on XXXX XXXX, XXXX from my XXXX account. 

My wife and I have nominal consumer credit ; our bank savings and checking balances are over XXXX our outstanding balances and we have a combined household income of over {$170000.00}. We had a Chapter XXXX - discharged in XXXX - and have paid all accounts as agreed. There is no reason our credit scores should be below XXXX by any credit reporting agency. The fact is the incorrect reporting by XXXX regarding mortgage payments remains a significant negative influence on our credit scores.

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 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have account from XXXX XXXX XXXX listed on my account, which states opened XX/XX/XXXX and now it shows opened XX/XX/XXXX for amount XXXX and it has been more then 10 years and this item is old to be removed. I do not have a vehicle financed with XXXX XXXX XXXX. This item was previously removed off my credit history. This needs to be removed ASAP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX combined unpaid medical bills of my spouse ( separated, but not legally ), with my information, changed attorneys without proper notification, the new attorney received a judgement against me, garnished my check, and placed it on my credit report. Initially we countersued based on misinformation however we did not hear anything until the attorney change in which swift action and judgement had already occured. When we submitted a motion to the judge it was denied even though the information was not correct. Now I have a judgement and have paid the debt for bills that were not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has listed XXXX XXXX XXXX as an alias. Numerous accounts are her accounts. I have NEVER used the name XXXX XXXX XXXX nor do I know anyone by that name. I submitted a dispute, but to no avail. It only shows as a comment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief