vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've been paying on my student loans since XX/XX/2008 to present and every deferment every assistance that they give me increases my loan I have a loan that went from 70 something thousand dollars to {$120000.00} and navient is refusing to assist me. I'm currently on XXXX and still can not make payments nor was I even able to complete School XXXX XXXX closed before I could get my degree

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
This account was paid in full in 2015 and is still being reported as an open account and I want it removed off my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
School XXXX XXXX COLLEGE ( Name changed was XXXX UNIVERSITY-XXXX XXXX Current Owner NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2005 Original Principal {$1700.00} Unpaid Principal {$1300.00} Unpaid Interest {$150.00} Unpaid Late Fee {$4.00} Current Balance {$1500.00} Interest Rate 15.500 % Interest rates on private loans are set by the lender. 
Interest Type Variable School XXXX  UNIVERSITY - XXXX XXXX Current Owner NAVIENT PRIVATE LOAN TRUST Disbursement Date XX/XX/2005 Original Principal {$3000.00} Unpaid Principal {$6500.00} Unpaid Interest {$430.00} Unpaid Late Fee {$20.00} Current Balance {$7000.00} Interest Rate 9.500 % Interest rates on private loans are set by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Nation Credit Systems is saying that I owe a debit of XXXX to XXXX XXXX XXXX I left that apartment with fly colors and decent history I also have my move out statement And they not remove the debit after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credible Labs Inc.
State: CA

Complaint narrative:
Credible.com is advertising to me through XXXX for a 3.99 % APR Fixed Rate Personal Loan. This is nowhere near the actual rates on their website when you put in your information regardless of the information you use. Bait and switch tactics. I reached out to customer service and received boilerplate language. 

" We publish our lowest rates for the strongest financial candidate, although our pre-qualified rates will be based on your personal financial profile. '' When I mentioned that I am the best possible candidate XXXX Fico, Lowest possible DTI etc. etc. there was no answer.

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 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing this letter to address a major concern/issue I had with Chase. I was recently approved for the Chase XXXX XXXX and the Chase XXXX cards. Everything was just fine as I had received both cards and was starting to spend on the XXXX ( over {$5000.00} in the first month ), and was about to buy something with my XXXX card when I ran into an issue. The card was declined. At the moment I was confused, but I went ahead and logged into Chase only to find out that my card had been closed. At this point I was extremely confused as I only had the card for a week, how could it be closed? I immediately called Chase to inquire about the issue and find out why my card had been closed without my knowledge. I was then told but the first customer service rep that my card was closed after a 2nd review ( something I wasnt even aware happened ) and there was nothing I could do. Confused, I called back and the next agent said they would look into it further. When they came back to the phone they informed me that I was approved for the card but upon further review I was extended too much credit and they therefore had to close 1 of the 2 cards. I then asked why I was never informed of this and they said they called me once. First of all, Ive never heard of such a thing, I find it absolutely ridiculous that a company would approve someone for something and then completely renege on it and cancel the account. The logical approach would have been to call me, if I dont answer leave a voicemail ( which never happened ), and give me the option to move credit around to keep the card open. Instead, I get one call which I have no record of, and the account is closed end of story. On top of that, the reps are telling me I have no recourse and the decision is final. I have been a Chase customer for close to 7 years now and my credit score is over 800 and I have never missed a payment. When I asked what could be done about this Chase said I can re-apply for the card. Not only is this ridiculous, I already had to use a credit pull for this application, they want me to apply again and get my credit pulled another time. On top of that, what is stopping Chase from approving me for the card again and then just changing their mind like they just did. On top of that, while my account was approved and open, I referred my friend to get the card and he was approved, so I am entitled to the referral bonus of XXXX XXXX points which I havent gotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: ND

Complaint narrative:
A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all. 

Then in the last week of XXXX we received a letter not from XXXX  XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX  XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company. 

Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service. 

The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection. 

My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: MS

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019 {$2000.00} dollars was stolen from our Chase bank account. I suspect it was a result of software that was used to gain access to our PC and the passwords stored in our computer registry. The transactions were paid out using a Chase bank application ( XXXX  ) to another chase account. 

After speaking with the representative on the phone ( who said they would start an investigation ) I started doing some internet searching on the company XXXX, involved in the fraud. There is more than can be read on this issue, but most draw the same conclusion. Whether authorized or not there is no protection against fraud. I am fairly certain that Chase Bank will inform us the {$2000.00} will not be covered under their fraud protection. However, we have never used this app and would have never known about this app if I didn't discover that we have been victims of fraud. If Chase bank did not have this application available on the online service we would have never lost money from our account. This is partly the responsibility of Chase because of the relationship they have with XXXX and they have forced it into user accounts without permission of the client / customer. Anyone can used their application to send money without the customer 's permission if the account information is compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
They sent a letter back in XXXX to my daughter who was just starting to work a real job. In XXXX they file a judgement but we never got our day in court. Next thing we knew they added me and sent a letter out via Sheriff 's Office of a wage execution to start immediately. Fast forward it's now XXXX and {$14000.00} has been paid between the two of us. There is a balance of {$2800.00} left but due to the penalties which includes poundage fees and interests we will never truly be free of this debt. 
The original amount borrowed was XXXX back in XXXX. The Statue of limitations was up in our State of New York and we were never  given a court date. We have discovered that XXXX XXXX XXXX XXXX XXXX XXXX has been sued by the Consumer Financial Protection Bureau for illegal Student Loan Debt Collection Lawsuits as well as Investigated by the New York State Attorney General 's office. We are seeking to vacate this judgment for improper service by their Attorneys Rubin & Rothman. LLC located in the State of New York at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
Telephone # 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 2019-02-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I can not believe that TransUnion is still reporting inaccurate information on my credit reports even after I have alerted them to the inaccurate information. TransUnion has failed to perform an independent investigation which is a violation per FRCA regulations. TransUnion has failed to correct, remove, or verify inaccurate disputed items which is also a FRCA violation. XXXX XXXX XXXX  : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX : XXXX You need to remove this immediately due to the fact that XXXX is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXXXXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. NO investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX  XXXX XXXX : XXXX You need to remove this immediately due to the fact that XXXX  is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete.

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 2019-02-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX**** XXXX XXXX**** XXXX/XXXX/XXXX XXXX**** XXXX  XXXX XXXX   XXXX**** XXXX/XXXX XXXX**** XXXX/XXXX XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX XXXX****

Company 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 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have reached out to Navient concerning the ability to benefit back in XXXX and also sometime in XX/XX/XXXX and also XX/XX/XXXX. I was advise that I didnt qualify because I self proclaimed I had a high school diploma. When I sent over documents that was requested I sent over my my high school transcripts as well to show I had not diploma at the time when I attended the school the school I got my loan for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.

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 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have made monthly payments on my Nelnet loan since I finished  graduate school approximately 12 years ago. My balance is now $ XXXX _higher_ than the original loan amount. I do not see how 12 years of payments has not lowered my debt at all ; in fact, it has been raised. There is no way in which I am able to get their numbers based on their stated interest rate and practices ; and I would like CFPB to assist in resolving not only my situation, but in looking into Nelnets business practices. It would be particularly helpful as a starting point to request that they turn over borrowers payment history and corresponding calculations upon request for transparency and independent oversight mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
TO WHOM THIS MAY CONCERN : ON XX/XX/XXXX, I CONTACTED NAVIENT STUDENT LOANS AND I WAS CONNECTED WITH A YOUNG FELLOW. ALL OF MY CALLS ARE RECORDED DUE TO THE TYPE OF APPS I HAVE ON MY PHONE, WHEN IT WAS PURCHASE. EVERYTHING THAT THE GUY ASKED FOR, I TOLD HIM. I EXPLAINED TO HIM THAT I WAS ON WEDGE EARNER AND MY STUDENT LOANS WHERE ADDED TO THE WEDGE EARNER, LAST XX/XX/XXXX. HE DID'NT WAN NA HEAR THAT. I ASKED TO SPEAK WITH AN SUPERVISOR, AND HE WENT ON TO SAY, THEY ARE GON NA TELL YOU THE SAME THING, I THEN REPEATED MY SELF SEVERAL TIMES AND FINALLY HE NEVER SAID HOLD ON, I I HEARD MUSIC AND ASSUMED HE WAS PLACED ME ON HOLD. HE WAS VERY RUDE AS WELL AS YELLING AT ME STATING '' HE DID NOT GIVE ME PERMISSION TO RECORD HIS CALL ''. AFTER BEING ON HOLD FOR ALMOST 1O MINS ( RECORDED ) HE THEN TRANSFERRED ME TO A DIFFERENT CUSTOMER SERVICE MEMBER INSTEAD OF A SUPERVISOR THEN I HAD TO WAIT AN ADDITIONAL 10 MIN TO SPEAK WITH SOMEONE ELSE. MY HOLD PHONE CONVERSATION WAS RECORDED. IF HE ACTED LIKE THAT WITH ME, THERE'S NO TELLING WHO ELSE HE HAS ACTED THIS WAY WITH.I 'M TRYING TO LET YOU ALL HANDLE IT FIRST BEFORE TAKING IT FURTHER TO COURT. MY CALL BACK NUMBER IS XXXX. AGAIN, NO ONE SHOULD HAVE TO EXPERIENCE THIS KIND OF BEHAVIOR TOWARDS ANYONE. I REMAIN PROFESSIONAL AND MANNERABLE, BUT HE DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Right before Hurricane Irma in Puerto Rico, purchases were made on my card that were not authorized. I reached out in person since we had no electricity or mail where I live in XXXX XXXX  XXXX due to damage by Hurricanes. They completely ignored my report that someone was making unauthorized purchases They have not sent an accounting so I can contest the unauthorized purchases.

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 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Agency : ERC is not a bonded agent in the state of Florida. 

Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX  acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I  have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation