vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I am XXXX and have always paid off every loan I have received. All except the one I have with XXXX XXXX / Navient. I plan to provide information and patterns that show that this company is predatory and misleading in its actions. One question embodies this accusation. Why at the age of XXXX do I still owe the majority of my balance? My account history shows reflections of how I was lead into debt even further. No logical human would ever go down this road. 

This company has made payment information so unclear and unobtainable that it has steered me toward multiple misleading forbearances. I would like to be reimbursed for these dates where they effectively manipulated me and which shows up on my account history. 

I plan to provide all necessary information to all agencies that are filing lawsuits against this company and doing so myself. In the end, I want to repay my loan. I may have already fulfilled that loan repayment. I am not looking to turn away from this responsibility and can provide a flawless history of repayment to others. You may look into this yourself. I am now requesting that they settle on a reasonable plan to pay this off immediately.

I must come to an agreement with them. Not one that benefits Navient but one that ends this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX - account deleted from credit report. ( Disputed for having no knowledge of account ) XX/XX/XXXX - debt ( {$1200.00} ) reinserted without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay this debt ) XX/XX/XXXX - debt ( {$1200.00} ) sold to another collection company. Reinserted debt without written notice back on credit report. ( Disputed for not being liable for an account sold to a debt collection agency whom I did not sign a contract with  originally therefore I have no obligation to pay 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 explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX of XXXX, I willingly surrendered my vehicle to XXXX. As I was unable to maintain the payments due to financial hardships. At the time of surrendering I only owed a balance of {$6000.00}, the initial loan was around {$19000.00}. After surrendering my vehicle I was never notified of an auction/sale, provided any documentation or additional information pertaining to my vehicle. The balance was reported to the credit bureaus at {$6000.00}, several months later the balance doubled to {$12000.00}. Again without any sort of documentation or explanation provided. I have disputed this loan to the credit bureaus on multiple occasions, without any success. To date, I have no information as to what happened to the vehicle after I surrendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
XXXX XXXX received a threatening phone message from XXXX XXXX claiming to be from XXXX XXXX stating that I had committed fraud and they were contacting me regarding a check. She mentioned my bank. ( I have the recorded message ) I researched company number and found XXXX and Weiss Arbitration listed. I also found complaints and scams identified with this company. 

XXXX XXXX received calls from XXXX friends and my brother stating they had received threatening call/message from XXXX XXXX at XXXX XXXX about a fraudulent check from me. She mentioned my bank on the messages to them and with XXXX person stated that that friend could be charged with fraud if she did n't make me contact them. ( I have XXXX recorded message ) XXXX XXXX, I called the number left by XXXX XXXX and stated that I was recording any communication and to call me back. 

XXXX XXXX around XXXX am, XXXX XXXX called and asked " How can I help you? ". I stated that she had requested I contact her and what was it regarding. She first stated it was for a check with my bank. Then she stated it was a creditor. I questioned dates and amounts. I did not identify with the debt and asked her to mail me statements of the debt. She emailed a statement to me but I have not received a physical statement or proof of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Due to personal reasons, I chose to end my relationship with USAA back in XXXX and closed all open accounts that I had with them. I continually receive letters from USAA regarding their privacy practices and my personal information they are storing on their computer file systems. I called to " opt out '' of their privacy sharing practices and requested to have all of my personal data deleted from their file systems. The USAA representatives say they can not comply with my requests because I do not have any accounts, and therefore, they are unable to verify my identity. 
I know that I have rights concerning companies who store secret dossier 's consisting of my sensitive personal data without my permission, and a large bank like USAA is no exception to the law. 
My old USAA member number was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: AZ

Complaint narrative:
i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : 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 explanation
Consumer complaint received 2017-10-09 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: AZ

Complaint narrative:
i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : 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 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
I applied to get landline from XXXX they gave number, finally i changed my mined not to have land line. They send me bill i called them it is by mistake so dont worry it is cancelled. Finally after 5 month i got a letter system service to pay {$54.00} I never connect for a seconed why do they send me a bill and send to debt collection. It bother me a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Scammed out of $ 9.000+ between XX/XX/XXXX & XX/XX/XXXX Discovered the extent of the scam upon my return from XXXX XXXX on XXXX XXXX XXXXScam began on XXXX website where I 'met ' XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXHe later asked for money for his daughter who was in SC in the care of his nanny XXXX XXXX. the funds were sent XXXX/XXXX/XXXX {$2200.00} & XXXX/XXXX/XXXX {$2800.00} via wire transfer from my bank Chase located in XXXX, WV to her bank XXXX XXXX in XXXX SC. 
Once I knew for sure that I had been scammed, I searched the internet to find out how to report this fraud.I contacted my Bank, filed reports with ICCC & the XXXX County Sheriff 's office. 
As of XXXX XXXX, Chase will not allow me to bank with them. 
On XXXX XXXX, XXXX Chase sent me my bank statement for XXXX XXXX. 
Today, XXXX XXXX, XXXX I am sending a consumer complaint to the WV Attorney General 's Office Attn XXXX XXXX XXXX, Mediator asking that my funds and banking privileges be restored as resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: ME

Complaint narrative:
In my previous complaints ( XXXX ) to CFPB the issue is still not resolved. Please see all this information provided in the other complaints. This response from XXXX is outrageous and does not explain anything. XXXX only explains that they changed the account number for their own purposes and that they have provided information on my variable rate. However, what they actually provided is information showing they closed and reopened my loan without my authorization, gave me information on my fixed rate simple interest loan, and gave no explanation as to why they changed my loan from simple interest to compounding. 

I do not have a variable rate and compounding interest loan!!! I have a fixed, simple interest loan and XXXX fraudulently changed my loan conditions in order to increase my payment and amount of interest I pay. 

Their response is not a response to the complaint I have made!!! I need the CFPB to investigated the information they provided in the response because it explains nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$280.00} dollars were taken out of my account via an ATM in a different city than mine.

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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is 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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX and XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had the Walmart in store credit card for over a year with 100 % on time payments. I never maxed the card out.. My credit score went down a few points so Synchrony lowered my credit limit. At the time I had about {$400.00} owed on the card, and the following month I paid my balance in full. The same exact day my payment was processed, Walmart closed my account. Their reason was I was high risk, not much has changed since I opened the card, so why all of a sudden am I " High Risk ''???? Why issue the card in the first place then?!?!

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 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: WA

Complaint narrative:
My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Forebearance/Cancellation of Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX pulled a copy of my credit report and noticed the collection. I requested that the credit bureaus remove. XXXX and XXXX has deleted this collection, however Equifax has not only failed to do so but the debt is being reported twice causing double the impact to my credit worthiness. I have requested several times that the this bureaus provide physical verification that this debt has been verified and as of date they failed to do so. Whereas other bureaus have deleted. 


On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX Request to reinvestigate with Equifax and provide physical verification. Documentation will be attached. 

Also sent request directly to XXXX XXXX to validate this debt and no response as of date.

Company response to consumer: Closed with explanation