vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 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: IN

Complaint narrative:
To whom it may concern : I co-signed on a XXXX XXXX and XXXX in which payments were to begin payment XX/XX/XXXX XXXX Navient ). The borrower and I filed bankruptcy ealier in XX/XX/XXXX ( When we filed we were informed student loans could not be included in the bankruptcy. The borrower had the loan in forbearance which was to end XX/XX/XXXX. He tried to make a payment and the Navient website would not accept the payment until the forbearance was complete. A payment was tried again on the navient website on XX/XX/XXXX. it would not accept payment again because Navient had put the loan in administrative forbearance. The orginal loan amount was {$15000.00}. The loan amount as of XX/XX/XXXX is {$28000.00} dut to interest. While Navient has put this loan in forbearance without my or the cosigners permission interest continues to accrue and have negative impact on my credit report/score. On XX/XX/XXXX on a phone call with Navient they directed me to the following website ecf.txsb.uscourts.com. They stated this loan may have been placed in Administrative forbearance due to a pending lawsuit. I sent an email to an email address listed on this website ( XXXX ) on XX/XX/XXXX as Navient would give me no information on this lawsuit. The supervisor from Navient stated they could give me no information on this lawsuit. She also state an email was sent in XX/XX/XXXX ; when I go back in my records there is no email from Navient in XXXX of XXXX. I am just trying to get my name off of this student loan and XXXX of Navient 's stipulations for a co-signer release is the Primary borrower needs to make XXXX consecutive payments. This makes it difficult to make 12 monthly payments if Navient has the loan in Administrative Forbearance. Any guidance would be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: NY

Complaint narrative:
This will be my last attempt at contacting Equifax about this account that keeps reporting on my credit report. I have sent 7 certified letters to Equifax showing PROOF that this particular account is NOT mine and you would think after their security breach which i was apart of and NOT happy about that they would take this matter seriously! But Equifax chooses not too. I want to know who is actually verifying this information? Because from the looks of it no one is! XXXX? It's obvious from the looks of all the incorrect information that XXXX is NOT a proper way of verifying a account. I have given Equifax a certified letter straight from the horses mouth that this account is NOT mine. As i said above this is my last attempt until i file small claims for this and will be awarded knowing this account you report is bogus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc.

Complaint narrative:
Repeated phone calls from Asset Recovery Associates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and specifically XXXX XXXX, about false bad credit card debt. Mr. XXXX states the debt is owed to XXXX or, alternately XXXX XXXX ( he changes the listed creditor so I'm unsure exactly who ) in the amount of {$2800.00} from 2005, though he will accept settlement for {$1000.00} less. I have no outstanding credit card debt and have verified via XXXX  credit report. I advised Mr. XXXX that I have no outstanding debt, and even if I had the statute of limitations for collections has long expired. XXXX XXXX has repeatedly threatened legal action. Mr , XXXX has also repeated my Social Security Number to me, giving cause for concern that he may have unauthorized access to and inappropriate use of my PII. I currently live in XXXX ( my husband works for the US military ) and have for 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: CT

Complaint narrative:
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, XXXX and Transunion.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. 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 2018-09-17 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: CT

Complaint narrative:
Dear Sir, on XX/XX/18 I contacted by phone and online XXXX, Equifax and XXXX.My complaint is that an accurately reported auto loan payoff in full, on time, with no late payments of XXXX $ resulted in a DECLINE of 41,25, and 20 points respectively on the credit score from those reports.There is no place online to dispute the result only the accuracy of the report which I do not. No one at the various agencies could explain to me how this could happen or would make any attempt to correct it. All implied they may be more helpful if I subscribed to their service. The bank from whom I received the loan said they can only report the information accurately and are not responsible for what impact it had on the credit rating. They seemed unconcerned with the irony that for paying off the loan on time with no late payments and no delinquencies that I essentially am more likely to be declined or at least face a higher interest rate for my good behavior. Please help me rectify the situation if you can. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: SC

Complaint narrative:
Equifax has not acknowledged my identity theft reports I have sent to them per the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: WI

Complaint narrative:
The address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX is registering under my credit reporting since XXXX. I have never lived there but my ex fiance whom I had a restraining against does. I believe he used my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: FL

Complaint narrative:
I applied for an income-driven repayment plan for my 3 accounts that are serviced by Great Lakes. There was only one application involved, and I was advised by telephone that based upon my reported income, my total payment was going to be reduced from about {$990.00} to about {$700.00}. However, when I provided my proof of income by fax, I was given a new monthly payment of {$4400.00} ( which is about 50 % of my monthly take home pay ) and put on an accelerated repayment plan to have my loans paid off within 7 years. This was exactly the opposite of the plan in which I applied for, which was made abundantly clear both within my IDR repayment plan application, and the proof of income that I provided to Great Lakes. This situation happens almost every single year when I re-apply for my IDR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, XXXXn and experian credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company lexis nexus was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

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 2018-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
Every time I call this company and ask for proof that I've been making payments, all they send is that I've made a {$10.00} and the date it was made. I was making payments in 6 month increments because they couldn't set up a payment plan and then once it ended they never called to restart it or even send a letter. I was recently informed on XX/XX/2018 that I was sent a letter of a payoff amount, but I haven't received mail from them in over a year ... Recently we started to apply for a mortgage but this " debt collector '' has not reported anything that we have paid making it look like we haven't tried, when I've been paying on this for 2 years! They still say my balance is what it originally was when I started. This payment was for a car that I turned in 5 years ago!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I paid one of my medical bills with the amount of {$160.00} on XX/XX/2018. The account shows as a collection reported XX/XX/2018 with a balance of {$0.00} and the status is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A friend in XXXX sent a {$500.00} wire transfer from his XXXX account in XXXX to my Capital One account. Wire was completed on XX/XX/2018. 

As of XX/XX/2018 the funds have still not been deposited into my account or returned to the originator. Capital One just says that the transfer is " under review '' with no way for me to rectify the situation. I have not received an email, letter or phone call notifying me of this delay. I have had to call to get any information. 

I understand that there can be delays but holding onto an account holders money for 3 weeks seems excessive - especially given that the dollar amount is so low. It also seems that there should be a requirement that the bank provides notification of this delay but there has been zero communication coming from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.

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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse me.

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 2018-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, transunion and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, XXXX or transunion, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is currently charging off multiple account on my credit for the one student loan I took out. The servicer constantly harass me by calling my phone everyday multiple times a day, even after my loan went into default and they started garnishing my wages. I informed them I did not appreciate the phone calls and I would sue if they continued. They continued to contact me and were extremely rude when I informed them I would sue them if they continued to harass me. One of the representatives even stated " Who are you going to sue? The Federal Government? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I received a letter from a company called XXXX XXXX XXXX XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by JH Portfolio Debt Equities saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX XXXX. I was told there was no record. I have since learned from XXXX XXXX that JH Portfolio Debt Equities called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from JH Portfolio Debt Equities and confirmed this account had been settled. Now I receive additional mail from JH Portfolio Debt Equities informing that I still owe {$240.00}. That most recent correspondence from JH Portfolio was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a zero amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact JH Portfolio Debt Equities as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America charged me XXXX dollar legal fee, because another company asked them for money for an account I owed on. They did not give this company any money. I myself called this third party and paid by bill. Bank of America still will not Ive me back the XXXX dollars when their legal service did nothing to solve this matter. They did not pay them any money.

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 monetary relief