vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-21 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: GA

Complaint narrative:
It seemed as though my loan never went down even when I was paying on time each month. The amount owed stayed very close to the total loan amount. At some point, due to the profession I am in, loan forgiveness may have been an option, and that was of course never recommended to me. Nothing was. 

Once they became Navient, they were very unwilling to work with me. I asked about lowering my monthly payments, explained my situation, and I was literally laughed at by not one, but three different employees. I asked what my options were, and they never informed me of a deferment, other payment options, forbearance or anything. I did not realize these were options for private loans until it was too late. I was spoken to in a very rude and disrespectful manner and threatened. They told me they would take my house and anything else to get the money if I did not pay it back. When I explained that I had XXXX children, and would the really put a family of XXXX out on the street rather than work with me, I was told yes. I continued to ask them to take a smaller amount than the monthly payment and they refused. I assured them that I just needed them to work with me, I was not refusing to pay. I eventually paid the amount online that I was able to pay. When someone called me back and it was discovered that I paid something toward the loan, they were again very unprofessional, and refused to work with me. The person I spoke to was very upset that I had made a payment. The following month when I was unable to make a payment, instead of working with me, they turned me over to a collection agency. I am now trying to come up with some type of arrangement, but the damage is done. I am absolutely dumbfounded by their lack of respect, professionalism, and willingness to inform their borrowers of options that were available, then throwing me under the bus the first chance they were able. In addition, the threats and disrespect was very uncalled for. 

My advise would be to never do business with Navient and XXXX XXXX. They are very unprofessional, and will do everything to get your money, trap you with not allocating payments correctly so that your loan stays at a high unpaid amount, then not work with you and provide all of the information and options when needed. Please learn from my experience and stay away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I WENT TO PAY MY CREDIT CARD BILL ; WAY BEFORE DUE DATE AND IT SAID MY XXXX ACCOUNTS WERE RESTRICTED. IF ANYTHING I PAY XXXX WEEKS BEFORE DUE DATE ... ..THEY SENT ME A LINK TO UPLOAD MY XXXX XXXX ID, AND COULD NOT SUBMIT IT ... ... THEY THEN TOLD ME, THAT I WOULD HAVE TO FAX MY STATE ID, SS NUMBER AND ELECTRIC BILL ... .... 

THE BANK THAT ISSUED MY CREDIT CARD IS XXXX XXXX ... ... ... I DO NOT FEEL COMFORTABLE FAXING, OR SENDING VIA XXXX XXXX MAIL ... ... ... ... THEY, THE SECURITY DEPT. WO N'T GIVE ME A SATISFACTORY ANSWER ... ... THEY SAID SOMETHING ABOUT MAKING SURE THAT I WAS WHO I SAID IT WAS ... ... ..BEEN USING THE CARDS 5 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: Cascade Capital, LLC
State: FL

Complaint narrative:
I previously contacted XXXX, Cascade Capital LLC & XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called XXXX & Cascade Capital LLC. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XX/XX/2017, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

XXXX Cascade Capital LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was Paid XXXX XXXX up front for a vehicle just to ride off the lot and seemed legit due to all the personal visits and paperwork. The only odd part was that I noticed the car was parked in the back of the warehouse rather then being displayed in the front. I only was giving 1 set of keys and 1 license plate then was told that my bank denied me then accepted me. Ive paid up to 15 grand with 5 extra in repairs from 2 different mechanics who never got the job 100 % done. The check engine light remained on and was told tridents chewed up on the electrical.. the car was stolen or fraudulently sold to me and the scammers were all in cahoots. I later got into an accident after an unauthorized toll company tolls my vehicle then returns it back to me. XXXX pd sanctioned the toll but claims that I didnt need to get a clearance. I get my car back after paying another XXXX and then the car breaks go out. Several issues and several assasination attempts but Im still blessed to speak about it. Wellsfargo who is my investor are obligated to have a car like that insured but from what I see now is Ive been getting scammed left and right. On top of that my accounts gets wiped and several in authorized accounts have been opened. Seems like my own family are out to get me and steal from me. Wellsfargo denies it all but Im just being patient the data dont lie ...

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 2017-10-21 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: TX

Complaint narrative:
My credit card was stolen in the month of XXXX and I open up a fraud Dispute on it and I noticed that capital one rebill me for XXXX XXXX for the amount of XXXX they said that XXXX has credited them but capitol one rebill me and holding me responsible for it and I should n't be paying for it and they would take it off my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$2500.00} by XXXX XXXX XXXX. I disputed the charge on XX/XX/XXXX. Although the merchant listed on my credit card statement clearly said XXXX XXXX XXXX, Capital One listed the merchant in the dispute as XXXX XXXX. Perhaps because XXXX XXXX XXXX did not exist. A company named XXXX XXXX XXXX XXXX XXXX located in XXXX, at the same address purportedly used by XXXX  XXXX XXXX had been administratively dissolved. XXXX XXXX was also dissolved XX/XX/XXXX. 
On XX/XX/XXXX, my Capital One account ending in XXXX was billed for the amount of {$8300.00} by XXXX XXXX. 
For Capital One transactions, I was a victim of deceitful telemarketing. 

On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
The charge was completely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NC

Complaint narrative:
I opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Ive been a victim of their inquiry issue. Ive tried to reach them out before in the past and they would not remove them for me.

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 2017-10-21 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: AZ

Complaint narrative:
So first off let me start off by saying. I have a XXXX so if this is hard to understand thats why. So my story now. I have a credit card with Capital One. I am trying to fix my charging privileges and restricted status on my account. I have sent them certified letters, I emailed them, And I have called them. But I feel like I am getting treated with neglection. They told me I was suppose to pay off my bill by a certain date. They also said I have recovered a award letter to get my privileges back. But sense I did n't pay the bill by the certain date they revoked my privileges. But I am disputing this item for you to review because I did pay this item by a certain date. But the only problem is there posting period took longer then usual. So they revoked my privileges. I am willing to work with this creditor I tried. But they did n't work with me. So if they do n't work with me. I will be releasing a public press release online about this company for neglect ion and unable to work with someone that has a XXXX that just wants to rebuild there credit. So if you can work with this creditor and get them to work with me that would be progress. I feel like I have been treated with neglection here. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was charged {$6400.00} by XXXX XXXX without my knowledge or authorization. I did not supply XXXX XXXX with my credit card number, nor did I receive any goods or services from them. 
Dispute : Fraudulent Charge of {$6400.00} on my XXXX XXXX/XXXX XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. 
This card was only used at XXXX XXXX store and gas stations. There was never a transaction for an amount greater than {$1000.00}. This charge was not authorized by card holders and the card number XXXX, now changed to XXXX was never given to merchant. XXXX XXXX is the primary card holder and XXXX XXXX an authorized user, who has been removed from the account XX/XX/XXXX. 
XXXX XXXX now holds XXXX XXXX for {$6400.00} as well as XXXX XXXX for {$6400.00}. 

The charge was completely fraudulent

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 2017-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
sent debt validation letter certified with return card to company recieved on X/XX/17 no respone after 30-45 days showing proof to be licensed in the state of florida to collect debt or proof of me having a binding contract with company XXXX XXXX XXXX for the amount of {$560.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Card - Costco is charging Interest when I pay the Card in full each month and have no cash advances.

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 2017-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have had a total of four different times. Some one is trying to use my former divorced name and address and phone number and social security number from 12 years ago. They have applied for XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 2 times XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. 
They have showing up on my credit reports as hard inquirers. I have called and had them removed. But found some one is still trying to use my former name and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of there inquiry issue. I have spoken to the customer service and was told I was n't a victim. The customer service rep was very rude and they refused to take care of it.

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 2017-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I became US Bank 's new customer more than three months ago, I opened checking and savings accounts because I learnt good promotion from the store manager when I opened both accounts : if I deposited XXXX dollars within 60 days and made two payments more than 25 dollars through the billpay function, I will have XXXX dollar back within 60 days and then I checked US bank website, the promotion is indeed there. However, now I have contacted US Bank branch as well as the customer services center, neither of them acknowledged I am qualified for the bonus on my checkings account because I only made one payment through the Billpay function, then I checked my payments and found I did make two payments, both of them are more than 25 dollars and within 60 days through the billpay function but one is online and another one is through my phone. Both of them are equipped with the same function under the billpay, only the one made online qualified'Is it because US Bank subsidize another company for its mobile app '?? If so, the responsibility should not be taken by its customers.
In addition, the branch manager XXXX did not inform me the online banking and mobile app are two separate payment methods.

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 2017-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient XXXX XXXX has refused to release me from co-sign contract. My daughter has maintained a consistent payment for well over XXXX years ago and by contract I was supposed to be released from the co-sign contract if she consistently paid for 36 months and showed evidence of XXXX employment during that time period as well They claimed that since my daughter picked up other Credit debt I still have to remain a co-signer to the school loan ... XXXX is an unfair requirement and a violation of the original contract when I co-signed on the original loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: WI

Complaint narrative:
I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21 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: TX

Complaint narrative:
Starting in XXXX, I began sending certified letters to Equifax this year in regards to unauthorized inquiries. I noticed that my mail box was flooded with denial letters for things I had no knowledge of and did not authorize. In my attempts to have the situation resolved, I have received a generic response that the inquiries are of factual record and will remain on file for 2 years. I do n't understand how this information is of factual record when I did not authorize them and are fraudulent. I was informed by a Equifax employee that I was affected by the breach and was told they would dispute the information. However, I received another letter that stated " contact the creditors ''. I am disappointed in Equifax as well as their customer service. This is XXXX company that truly can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent a letter to my home years ago ( I do not remember date ) to inform me I had unclaimed money at the Texas State Comptroller 's Office. It also said for a fee they would help me claim my unclaimed money. I immediately phoned the Texas Comptroller 's office to inquire about the letter I had received from this law firm unknown and unsolicited to or from me. I was informed that the Texas Comptroller would not have released any information regarding  any unclaimed property to anyone but me. I was told that if this law firm found out I had unclaimed property, they would have had have called and impersonated me with my social security number for verification. The representative processed the release of my unclaimed property directly to my home and told me they would not or could not by law have released it to this law firm anyway. The law firm evidently impersonated me again to find I had retrieved my unclaimed property on my own and billed me for services not provided or elicited. I began to get collection notices and the amount has multiplied over 700 percent from the original fee. I have disputed this with XXXX who refuses to remove it from my credit record. I did not know where else to turn, but to you for assistance.

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