vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have contacted Navient by mail in XXXX 2017 and again in XXXX 2017 requesting written documentation to be mailed to me regarding my loan. Both times I sent the correspondence to two different locations via certified mail ( I have copies of the letters and the certified mail reciepts ) Both instances the letters were ignored by Navient., although i requested that they respond within 30 days. Navient however sent me and continue to send me multiple emails. I finally responded by telling them that they have not replied to my letters that i have sent to them. I then attached one of the letters that I sent to the email. There response was that they can not discuss matters via the internet. They then sent me a letter saying that I needed to pay my bill, but never responded to the letter. Please note. that was the first letter they sent to the house. They are now sending me letters threatening default, but when I requested the information about my loan, ( due to them in the past not providing me with accurate information ) in XX/XX/XXXXand XX/XX/XXXX they refused to send me what I asked for? Do they not have it? They also are now sending reports to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: AL

Complaint narrative:
I have a private loan originally taken out with XXXX XXXX. Navient is now servicing the loan. My original loan amount was {$25000.00}. It has since doubled. I was in default and they offered me a loan payoff of 85 % at the time. I did not have that amount of money at one time. Keep in mind they offered me this when I was in default. I worked out a payment plan with them to catch up on my payments and bring me out of default. This was a 1 year plan when the plan expired. I called back again to keep the plan or work out another payment options which they did. I asked if the one time payoff was still available. They said no because I was current and not in default. I said so your saying if I am in default you offer the one time payment discount but if I am current you do not. They said that is correct. I called again today and asked if they would offer a one time payoff discount and they said no because I am current and not in default. I reiterated again. So you will not work with me for a one time pay off because I am current on my loan. They said that is correct. Have a good day bye bye. I understand I owe the amount I borrowed. I just want someone to work with me to offer me the one time payoff discount that was originally offered. By the way is still {$15000.00} more than what I borrowed for a total of approx. {$37000.00}. Which is what the guy offered and agreed to today before he abruptly changed his mind when he saw I was current on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try to get my address updated. On 2 separate occasions a wrong address was added to my Equifax report causing me to not be able to access my credit file electronically via a credit monitoring system. I have faxed all supporting documentation via fax to XXXX as instructed by a representative that I spoke with on XX/XX/XXXX. I called again on XX/XX/XXXX to confirm whether or not the information that I faxed in had been received. Then again called on XX/XX/XXXX and was told that my fax was indeed received and that a dispute would be put in to update my information. The confirmation I was given on XX/XX/XXXX shows a status of complete, but an incorrect address was updated once again. On my call on XX/XX/XXXX, I am now being told that the confirmation number I was provided was for an account by the name of XXXX XXXX which is incorrect as that was a dispute put in prior to my phone call on XX/XX/XXXX. I was told that Confirmation # XXXX was the dispute of my address which was done on XX/XX/XXXX and completed on XX/XX/XXXX. If that confirmation was indeed for XXXX XXXX then there is no way that account could have come back verified with 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I wrote a letter on XXXX XXXX 2017 to all three credit report agencies. Then I did n't receive anything back from them. So I decide to check the status of my credit report still the same account is still say it delinquent when I paid thru XXXX cancelation of debt form I receive from Bank of America. I call Bank of America and they said that they are working on it since XX/XX/XXXXI have not received update from them it seem they are not listening to me. I am trying to purchase a home and the underwriter will not process the loan until this get resolve.

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 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been with Citi for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a Wal-Mart credit account with Synchrony Bank. I went on an unpaid medical leave from work in XXXX, 2017, and lost my job in XXXX. I have filed an XXXX claim that is currently in appeal, and I have no income. I 've been making small payments here and there when I can, but with no income, that 's not very frequently. I 've answered their calls and explained my circumstances several times. They 've gone back over old account notes and confirmed my information and situation numerous times. Recently the calls have become harassing and accusatory. They ask why I do n't have a new job, when do I think I might be able to become a productive member of the workforce again, do I have friends or family I can hit up to pay my bills, etc. I 've made it clear that I will resume normal payments as soon as I can, and if they look back over my account they can see I never missed payments while I was employed. They have threatened to send the account to collectors hoping to scare some money out of me. I explain that I understand it 's their job to try to get me to pay, but I ca n't pay with no money and I understand if they have to send the account to collectors. For about a week now, I 've been getting calls from them every few hours every day.

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 2017-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX, Midland Funding has been reporting an account to the major credit bureaus it says it purchased from XXXX as delinquent and in collection. I do n't believe this is something I owe. It does n't state what kind of XXXX account they claim was delinquent, and I 'm aware XXXX has hundreds of different of credit card accounts it underwrites. I wrote to dispute the debt about 9 months ago, to the address Midland reported as theirs on the report they made to XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, but it came back to me as " return to sender '' and that it was not actually their address. It 's nuts that a company ca n't even report its own address correctly to a credit bureau. On top of that, the balance on this closed and sold account keeps increasing. It was {$1400.00} when it was reported in XXXX, and yet {$1500.00} as of XX/XX/XXXX. My understanding is that once an account is charged-off ( as this one apparently is ) then interest no longer accrues. How does a closed account continue to get charged? How is Midland Funding allowed to continue reporting on an account that may not be even mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been with XXXX for a long time and overall it 's been a great bank. Very good in most occasions. But I 've had some issues with fraud over the last year, particularly with people getting access to my credit report to open accounts without my authorization. I 've had some of the fraudulent inquiries removed from my reports but not all.
There are XXXX inquiries - on X/X/16 and X/X/16 - which I do not recognize and for which no corresponding account was opened by me. It 's not as huge a deal as opening a fraud account or letting someone use my accounts ( XXXX, XXXX XXXX ), but it hurts my credit score to have lots of inquiries that do n't belong to me and were not authorized.
I 'd like to have them removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: MD

Complaint narrative:
Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 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: NC

Complaint narrative:
I understand that there is a class action lawsuit against Navient, formerly known as XXXX XXXX. I do not understand what I should do at this point. Is there anything that I need to be doing due to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
There is an account listed on my credit file through Jefferson Capital which is unknown as I have never had business with this company and no way do I owe anyone XXXX. This is inaccurate and false, requesting full validation including signed agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Enough people, like me, I do hope report the injustices of banks like Wells Fargo taking advantage of the hard working earnings of tax payers like myself. Wells fargo, advertises their consumer products and markets them towards people, just like me, hard working, and family oriented. And the facts are in XX/XX/XXXXI was charged {$420.00} in overdraft fees, and XX/XX/XXXX, I was charged so far, {$240.00}.
Wells Fargo knows what they are doing is immoral, because when you call, they immediately with very little effort, refund portions of overdraft fees with no issues. BUT, the problem is, they refund portions, to quiet you from continuing your complaints. They do not refund all of it, although they are clearly in the wrong.
1. Forcing customers to have overdraft protection, that they are unable to opt out of having is wrong. And I mean fully opting out of overdraft protection, meaning, all transactions are rejected, rather than it ever being possible to have a negative balance. THIS IS TRUE OPTING OUT OF OVERDRAFT PROTECTION AND IT USED TO BE GRANTED, now it no longer exists.
2. Charges are posted not in the order I make them, but in the order from highest to lowest by the banks choice. It is done to cause overdraft fees.
3. They now have a messaging system, that is supposed to inform you when you have insufficient funds. Only problem is, if the account has a positive balance ( and it should n't because you 've made charges ), it wo n't send you the messages. So this mechanism is not in tune with what your ACTUAL account balance is, thereby making it useless, and actually more confusing.
In closing, Hard working people, should be encouraged to succeed, not be further suppressed by multi billion dollar banks using predatory practices towards their financially ordinary consumers.
This needs to come to an end and I want my rightfully owed {$660.00} back in my account.

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 2017-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank has a promotion that offers a {$300.00} cash bonus if certain conditions are met. One condition is to make at least a {$15000.00} deposit that is to be kept in a checking account for 60 consecutive days after the account is opened. Another condition is that within 30 days one qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new account. This last condition is difficult, if not impossible, to meet, especially if the so-called qualifying direct deposit originates at a government agency such as Social Security. Such an agency may require up to 60 days to make a direct deposit to an account. I have brought this matter to the attention of a bank 's customer service representative. That person stated that the bank may make an exception in such cases, but he could ensure me to give me this in writing. I am of the opinion that the bank 's management is aware of the inability of prospective clients to meet the time-restrictive Direct Deposit requirement. Some clients may not have read the fine print, opened an account with {$15000.00}, have a direct deposit post after the 30-day deadline and do not receive the {$300.00} cash bonus. Meantime the bank has the client 's money and earns a profit on it without compensating the client for the use of that person 's money. As far as I am concern this is a scam and an unethical business practice by Citibank.

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 2017-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: MT

Complaint narrative:
I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I can not believe how inadequate the research into my problem has been. After numerous requests via credit reporting agencies and cfpb I finally got an accounting of my charges by Capital One, and as I already reported, they very clearly charged me over {$80.00} interest in the first year of my card which had a {$300.00} limit. That 's nearly 28 % interest in the first year, almost 4 % over the 24 % legal limit. {$12.00} from XX/XX/XXXX-XX/XX/XXXX of XX/XX/XXXX, and {$72.00} from XX/XX/XXXX-XX/XX/XXXX. I 've made numerous attempts to hold them to the law to no avail. I want this debt dissolved and removed from my credit reports. Indeed, if I could sue foe damages, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Integrated Recovery Services
State: NE

Complaint narrative:
I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've contacted all three major bureaus regarding XXXX XXXX which is incorrect. Two of the three major bureaus removed incorrect tax lien information ( XXXX XXXX and XXXX ). But Equifax has refused via their investigative process, remove XXXX XXXX in the amount of {$11000.00} which has been paid. I do not owe {$11000.00}. Amounts were paid by way of taxes owed to me. Balance is less than {$100.00} at this time.

Company response to consumer: Closed with explanation