vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient services both my private and federal loans and make no attempt to actually help me. I have to put my loan on hold because Navient denied my application for income based repayment even though my wife lost her job last year and has yet to get a job. Navient, however, continues to collect principle/interest even though I make some form of payments. Additionally, Navient can not produce loan documents since these documents were lost that I even have a loan. Navient also uses tactics such as lost documents, delayed approval of income or forbearance applications. One tactic in general is Navient will not allow you to apply for multiple programs once you enter a deferment. In other words and as an example, my wife lost her job last year, I can not afford the payments, yet I was denied an income based loan three days after I started collecting principle on a defaulted loan. Navient had my application 3 months prior to the income based renewal, they said they lost the paper work, Really, its digital ; how can you loose that? I also feel I was lied to by XXXX on the degree I received, which by the way is also involved in class action lawsuits based on predator loans and false promises. I respect I am contractually bond to my XXXX/Navient loan, however, when this degree and loan is based on a lie and Navient makes no attempt to do the right thing and help borrowers. Then this loan/contract is null because Navient exploits the loan and the borrowers. How can the Government or CFPB allow Navient to compound interest and principle while harassing thee borrower and not helping the borrowers when he or she can not make the payments due to life changing events? My loans have doubled because of tactics Navient is accused of and Navient cant even produce a copy of my loans. 
At this point I either have to fully default or hire an attorney because Navient only wants to take advantage of borrowers rather then help them using thee same tactics as XXXX XXXX XXXX with home loans. 
Finally, Navient has 7 personal lawsuits related to this complaint along with a class action lawsuits, one from cfpb I believe. I am asking the public, cfpb and anyone else reading this complaint that I am fully willing to join any private or class action lawsuit and to contact me at XXXXXXXXXXXX Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: TN

Complaint narrative:
I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
This is a complaint about both payment allocation and loan servicing customer service. After absentmindedly missing a payment I paid the full balance the following month, and, on a subsequent login to Navient 's website, the limited information available to me on Navient 's website showed that Navient had allocated the payment nearly equally between principal and interest ( allocation in prior month 's was about 70/30 principal/interest ). The information available to me on Navient 's website did not reflect allocation of payment to any fees. 
I submitted a request through Navient 's website for information regarding Navient 's calculation of the allocation. It took several days to get a response to this inquiry, and Navient 's answer was mere boilerplate - Navient 's answer referred me to the Promissory Note, without indicating specific sections or language, and without providing any analysis applying the terms of the Note to the allocation of payment to interest for my specific loan. Navient 's answer did not state that they had charged any fees. Meanwhile, Navient continues to charge interest. 
Although I submitted a new message through Navient 's online messaging platform, Navient 's messaging platform does not allow borrowers to " respond '' to communications from Navient, which unnecessarily interrupts the continuity of communications and tends to make it more difficult for borrowers to get answers from Navient and to restore their loans to fully paid-up status ( i.e. to make payments without fear of misallocation ). 
The lack of information about my loan on Navient 's website, Navient 's failure to provide information on request, Navient 's failure to respond timely to communications through their website, the fact that Navient does not provide a messaging platform that allows for cumulative correspondence in " threads, '' and the fact that Navient continues to charge interest during attempts to communicate about the loan all tend to suggest that Navient abusively inflates interest charges by delaying resolution of borrower questions to facilitate future payments.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

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

Complaint narrative:
Equifax has suffered a data breach which has the potential to severely impact me. They were negligent in protecting my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.

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 2017-09-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.

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 2017-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have heard and read about the recent credit report and social security number leaks from Equifax, and am concerned about the security of my social security number and my credit information. I have also attempted to check to see if I was affected by this info leak, and then discovered that Equifax has been randomly generating screens that say your information was or was not compromised regardless of the information entered. This is especially concerning, as it implies that Equifax is not even aware of exactly who did or did not have their information compromised. 

I would like to take every step to ensure that my information is made secure again if it was compromised, and I would like a detailed explanation of how this could have happened, how it will be prevented, and how I and others who had their information compromised will be made whole again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX/XXXX/17 : Today I have tried repeatedly to access the equifax special site " XXXX '' to find out if my accounts are at risk due to the recent hacking incident as reported in the press. I fill out their form, including the 'test ' that I am not a robot, and receive green checkmarks next to each of the answers. The minute I press the continue button, it immediately goes back to the 'robot ' test. This has happened repeatedly-maybe twenty or thirty times. When you call their " help '' line, they question whether I have imputed the information correctly, when they ascertain that I have ( as evidenced by the three green check marks-after all it 's pretty hard not to know your last name etc. as evidenced by the three green check marks- they immediately say there is nothing further they can do. They suggest that maybe there is something wrong with the website, but have no information about that. One man gave me an e-mail address to contact. When I tried that, I received the message that there was no server at that address! 
As a consumer, my credit, has apparently been compromised by equifax 's lack of adequate security or lack of internal controls. They have mounted an elaborate PR campaign to say they are addressing this issue. Apparently it is exactly that : An elaborate PR campaign - with no actual help. In the absence of their help what an I to do?

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

Complaint narrative:
The Equifax Data Breach has possibly impacted my credit. I have worked very hard to start paying off my debt, and my credit score went up several points over the last few months. Because of this breach, my credit may be negatively affected. 

I understand that Equifax is also a victim, but I received no notification that this happened. I had to learn it from the media. I am very unhappy about that.

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

Complaint narrative:
As of XXXX XXXX, through widely available media, I discovered that Equifax had been a victim of a cybersecurity attack that may have leaked millions of American 's private financial information. Based on this information, I went to Equifax 's website and confirmed there was in fact a breach. I used their free tool to see if I may have been an affected individual ; it was confirmed that I was at risk. 

I then went to each of the three big credit reporting agencies ( Equifax, XXXX XXXX ) and froze my credit to protect against fraudulent activities. I was charged {$10.00} each by XXXX and XXXX ( {$20.00} total ). I am unhappy to have had to pay these fees to protect myself from fraud that I am now exposed to due to the incompetency of Equifax. Additionally, I will have to pay future fees to temporarily or permanently unfreeze my reports in the event that I 'd like to legitimately make use of credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX and three times prior, I applied for a loan modification and submitted all the requested documents by the lender. three times we were denied the loan modification approval .We are currently in the process for the fourth one and have foreclosure sale dateXX/XX/XXXX. according to the lender it has been suspended but we did get certified mailed with XX/XX/XXXX sale date while we are in loan modification process. I do not agree on the outstanding amount due. we have submitted my payments history to the lender .My wife and I have XXXX young children, oldest is XXXX, youngest is XXXX years old .we bought our new home back in XXXX and paid our mortgage on time since then with the same lender.my wife had a serious unexpected medical injury set us back financially, I am not able to work as much due to the time it takes to care for XXXX children and care for XXXX spouse despite all that, I work full time and put food on the table. I have submitted proof of my income and residency four times to the lender. our home is worth twice the amount we owe .The lender wants to cash in on the equity we build. This kind of activity has to stop. it is not fair to the consumer to work so hard and pay for the mortgage for 12 years, face losing the house without offering owners a second chance during difficult time specially when there is a proof of income and equity in the house.

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 2017-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I filled out the online form for TransUnion to place a freeze on my credit report as a result of the recent data breach. I filled in all of the information they requested correctly, including several follow up multiple choice questions, however, I received a message that they were " unable to process my request '' without any further information. While they were unable to do what I asked ( for reasons that are unclear to me ) they did immediately send me a marketing email for a costly credit report monitoring service.

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 2017-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . 

I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. 

I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.

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

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
The company has contacted me at my place of employment twice. The company interest rate is well over of the cap for the state of Minnesota. They are not registered with the Minnesota Department of Commerce to make small consumer loans in Minnesota. Also, they tried to withdrawal funds on XXXX using check number XXXX. I never provided this check number to the company. 
I was unaware of my rights after the fact.

Company response to consumer: Closed with explanation