vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 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: NY

Complaint narrative:
InXX/XX/XXXX, I received loans for my online graduate program at XXXX XXXX XXXX. Two loans for {$10000.00} each. 
Since then, I received XXXX Forgiveness in the amount of {$17000.00} and another forgiveness amount of about {$9000.00}. I have also been paying monthly around {$500.00}. 

I looked at my statement today to see how many more payments I have left, only to see that I have a {$20000.00} balance. I looked at the history of my loan with Navient ( my original loans were with Sallie Mae and they transferred the balance to Navient ) and I saw 4 disbursement amounts : XX/XX/XXXX {$10000.00} XX/XX/XXXX {$10000.00} XX/XX/XXXX {$48000.00} XX/XX/XXXX {$21000.00} The XXXX amount are not mine. I don't know where they came from. I called Navient to inquire about the matter and was left on hold. I also emailed them to no avail as of yet. 

Please look into this matter, as I don't want this fraudulent activity to occur for anyone else, and I also want to be reibursed for this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
OnXX/XX/XXXX I noticed that my Checking account had an unauthorized transaction in the amount of {$260.00}. I first contacted the creditor ( XXXX ). The representative stated that she did not see any transaction in that amount in my account. I proceeded to say, that those funds were taken from my account, which is causing me to go negative in my account. I then contacted Wells Fargo, the representative from Wells Fargo then stated that the amount in dispute was pending and that it would take about 1-10 days for the matter to be resolved. Since I have business with XXXX the Wells Fargo representative stated that this is not a fraud transaction. I called Wells Fargo todayXX/XX/XXXX and mentioned that my checking account keeps on getting overdraft because of this issue. The representative stated that I should call XXXX and ask them for the funds to be released so that I can get my money back faster. I contacted XXXX and their representative stated that they don't see the charge of {$260.00} posted to my account. They see that the amount was taken but they do not know where the money was posted to as is not reflecting on my account. They stated it would take about 48hrs for them to give me an answer. In the mean time, this is causing me stress because there are other automatic transactions coming out from my checking and it keeps on causing for me to get overdraft. I'm upset over the lack of actions taken from both ends.

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
Consumer complaint received 2018-05-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX, a supervisor in the Fraud dispute department at Equifax. I informed XXXX I was inquiring about the account XXXX XXXX Credit Card. I explained to XXXX the initial dispute was received onXX/XX/XXXX regarding this account being opened without my consent. I then advised XXXX the investigation has been over 30 days and Equifax has failed to provide 100 % accurate verification of this account. XXXX told me that XXXX XXXX sent over electronic verification regarding the account that included my name, current address, date of birth, and a social security number. I asked XXXX did XXXX XXXX provide any original documentation or contract containing my signature. She then replied by saying no they were not able to provide any original documentation. I then went on to explain to XXXX this is a clear violation of the Fair Credit Reporting Act section 609 & 611. XXXX said she was aware of the Fair Credit Reporting Act but would to wait on notification from XXXX XXXX before taking any action. I told XXXX XXXX XXXX is no longer in business and the information being reported is in accurate in urself. I also informed of the Police Report I've sent to Equifax including this account and account number. XXXX basically ended the call saying it's nothing else that could be done on their end even though their clearly are violating the Fair Credit Reporting Act which is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: OR

Complaint narrative:
On Sunday XX/XX/XXXX, I was applying for student loan refinancing online. Through this process I was able to see that Equifax and XXXX  had incorrect information on my credit report. My mother and I have the same name with a different initial and a debt collection of my mother 's ended up on my report. I called XXXX on XX/XX/XXXX and was able to not only file a complaint over the phone, but they were able to fix the error on my account at that time with an estimated 24-48 hours for it to be changed on my actual credit report. This is because they could see on the report that the account connected to the debt collection agency did not have my social security number and it was clear to them that this was not me. After this time I went to make my dispute with Equifax and put in an online request. Unfortunately, since this was a dispute on a debt collection agency because of a name merge with a family member, I was told to fill out a different form where I listed the debt collection agencies specifically - this was confusing to me to do multiple forms. I received a confirmation email today Tuesday XX/XX/XXXX with a confirmation number and saying that my dispute had been resolved and that I could check the results of my dispute online. I clicked the link and when I put in all of my correct information in the form, I was told that my information was not a match to my records ( which is not true ). I then called Equifax directly ( I would have called over the weekend but unlike XXXX they do not have their phone lines open on the weekend ) and was frustrated by my call. They told me that the reason I was having difficulty with the website was that there was an error within the system. I had to ask multiple times to have things explained to me. I also did not understand why this could not be resolved on the phone as XXXX  had done. I'm told that it could take 30 days for this resolution. I'm in a bad bind now because of this - while I do realize that it is not the job of the crediting bureaus to notify me of all changes on my account and that it is my responsibility to be informed of my credit report, I still do not understand why Equifax could not look into the dispute over the phone and help to resolve it then like XXXX  did. I've not had experience with credit reporting agencies before, other than when Equifax had the security breach and I needed to look into that and then place a freeze on all of my accounts, and so perhaps the speed of help with my dispute that XXXX was able to do is outside the norm and so I should not expect the same thing between companies. However, XXXX made it seem like this was a straightforward case given that the social security number associated with the debt collection was not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received letter in mail stating $ XXXX due for an account number I have proof of being in good standing. The account number referenced related to account number to loan that was consolidated and currently in good standing. I called the collection agency and Navient on XX/XX/XXXX, to correct this error but they are claiming that account number is for private loan which I do not recall ever receiving anything for. Not even a wage garnishment threat. XXXX company refered me back to Navient. When Navient told me the name of the collection company handling the file it was not the name of the collection company who sent me the letter that initiated my call " XXXX XXXX XXXX ''. The letter was received last week and Navient advised a different company is handling it as of XX/XX/XXXX, same date of my letter. When I asked if they are the same company XXXX another entity or an affiliate, the representative could not give me the information. You would think that would be in my file?! When asked why this loan was not showing on credit report as default she could not answer. When asked why is one part of my loan with Navient in good standing and the private loan with Navient is not, she stated those are handled by two different departments. When asked why wasnt important information being linked to my social security number for same company servicing both federal and allegedly " private '' loans she didn't know. I would think that is important, especially if I am making the attempt to bring my account current. When asked for website to view this information for private loans taken, she did not have one. With all these red flags, and knowing that XXXX was shut down for fraudulent activity, I am questioning the validity of this " private loan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a TOTAL FALSE STATEMENT AND I CAN PROVE I WAS NOT IN CALIFORNIA FOR THE DATE THAT I CANCELLED MY XXXX XXXX  RESERVATION!!! HOW DARE CHASE LIE ON ME!! HOW DARE CHASE LIE!! THIS RESERVATION WAS CANCELLED AS STATED WITH XXXX XXXX CANCELLATIN POLICY AND IT SHOULD NOT HAVE BEEN CHARGED SINCE I FOLLOWED PROTOCAL AND CANXELLED!!!! SHAME ON THE CHASE ANALYST THAT THREW THIS BOGUS STATEMENT TOGETHER AFTER THE NUMEROUS NUMEROUS NUMEROUS PHONE CALLS MADE TO DISCUSS - AND NOT ONCE DID CHASE ANSWER OR RESPOND!!!!!!!!! AND THE LETTER CHASE SAID THEY SENT ( THE ABOVE STATED LIE ) WAS NEVER SENT TO ME!!!!!! EVER. NOT TO MENTION, AS SOMEONE WHO TRAVELS OFTEN - CHASE CANCELLED MY CARD UPON THE COMPLAINT FILING AND I WAS WITHOUT A DEBIT CARD UNTIL THE REPLACEMENT ARRIVED. Moving forward - when I called to discuss additional reversals, these were charges that some smart CHASE person deemed to be duplicates BUT THRY WERE NOT DUPLICATE APPLE-TUNES CHARGES ... ... ..THEY WERE THE SAME AMOUNT FOR ALREADY FILED CLAIMS - FOR DIFFERENT DATES!!!!!!!!!!!!!!!!! UNACCEPTABLE UNAUTHORIZED!!! 
Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. I have also filed a claim against CHASE with the BBB - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! I have tried every attempt possible and CHASE is NOT  responding to communicate and rectify!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
I sent a debt validation letter to Receivable Management Services on XX/XX/2018 asking this collection agency to validate the debt of {$210.00} presented on my credit report from the original creditor XXXX. The collection agency responded with a statement/invoice of the amount owed, my personal information such as policy number number, home address and policy effective dates.

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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
National Credit Systems, amount of {$7100.00}. Once again National Credit Systems has not responded to my debt validation that was sent to them also they have reported this account to all three of my credit reporting agency which is a violation of the FDCPA, FCRA and possible Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Troy Capital, LLC
State: TN

Complaint narrative:
I had a judgement on me from XX/XX/XXXXvia XXXX XXXX. Who is now Troy capital. I did not know a bout this and had a closing scheduled on a piece of property in sc. Which was brought to my attention. I could not close due to they would not settle with me. I had contacted the attorney in sc who gave me a a pay off of XXXX Dated .. XX/XX/XXXX.. Then i get another attorney with the same judgement ( transferred to Tennessee ) and they would budge off their total. {$8600.00}. REFUSED to take lesser amount. 

1 Troy Capital is not the original debt.. it was XXXX. 
2 they held up 3 other loans from being paid due to their stance on this. 
3 2 different amount from 2 different attorney for the same debt. XXXX dollar difference in the SAME MONTH.. 
4 original debt was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Bank intentionally is delaying my deposits in collusion with law enforcement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the XXXX XXXX  monthly payment and XXXX XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to Specialized Loan Serving per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on 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 2018-05-15 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: MA

Complaint narrative:
XXXX XXXX XXXX  for the amount of {$7100.00}. I have disputed this account with Experian, XXXX and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and 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 2018-05-15 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: MI

Complaint narrative:
I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15 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: MI

Complaint narrative:
I a victim of identity fraud and misinformation reporting to my credit report. There are 2 accounts on my credit that dont belong to me. 
1. XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1200.00}. I have written disputes to companies over the years regarding this account. 
2. XXXX XXXX Hospital opened on XX/XX/XXXX, with a balance of {$770.00}. Ive had insurance at my job for over 20 years, theres no way I would ever have a hospital bill. This is fraud and I think someone used an old lost/stolen ID of 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 non-monetary relief
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: ME

Complaint narrative:
Harris and Harris Collections calls and leaves messages EVERY single week. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and further back. 

When I have answered the phone, they are rude and deny that this debt has been paid. It was paid directly to hospital. They are harassing me and I am done with this 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 2018-05-15 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:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

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 2018-05-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.

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 2018-05-15 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: MA

Complaint narrative:
XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, TransUnion and XXXX. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and 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 2018-05-15 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: MA

Complaint narrative:
XXXX XXXX XXXX for the amount of {$7100.00}. I have disputed this account with XXXX, XXXX and Equifax. Once again XXXX XXXX XXXX has not responded to my debt validation and this would be a violation of the FDCPA, FCRA and Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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:
The above noted loan continues to show on my personal credit report as an outstanding loan. The loan was paid off when the property was sold. Payoff date was XX/XX/XXXX. This is impacting my credit score and loan to debt ration, as the $ 593 monthly payment and $ XXXX balance is still showing as an obligation on the property associated with this loan. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I provided copies of my credit report to XXXX XXXX XXXX per their request when I contacted them again on XX/XX/XXXX. I originally called on/around XX/XX/XXXX to contest this with XXXX XXXX XXXX escalation department and was assured it would be removed from my credit report. As of XX/XX/XXXX that had still not happened. I was also told a letter would be sent to my address of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX stating this loan was paid in full. I have yet to receive any acknowledgment. 
I am very frustrated by the lack of action on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation