vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: VA

Complaint narrative:
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time I received an updated credit report stating the item was verified however there was no proof of validation

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 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Travelex NY, Inc.
State: FL

Complaint narrative:
XXXX XXXX, 2017 Exchanged {$1200.00} USD for {$920.00} Euro ( see attached ) I even did more than I wanted to because they offered a 3 % discount if it was above {$1200.00}. ( this is the part that bothers me most, not only did I not get a discount they even increased the exchange to their favor,  a complete lie ). 
The published exchange rate was XXXX The given exchange rate was XXXX They said this is the cost of business. 
I was n't aware of the price gouging until I reached my destination where they gave me the fair value in trade. 
When I returned to US I called Travelex XXXX XXXX to complain. They said I should have not done the exchange if I did n't like the rate. Again, I was n't aware of the gouging until I got to my destination. I figure the exchange cost me an added {$200.00} from the unfair exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
In XXXX of 2015 I was offered XXXX XXXX service at my new house for {$40.00} a month, I was also told that if I was not satisfied I could cancel in 30 days and not be charged. My first bill came in the mail for twice that amount. I immediately canceled because when I called to discuss the disputed amount they refused to honor they 're original {$40.00} price. They said I needed to send the equipment back as well but never gave me a box to do so. I went to a XXXX XXXX store, they refused to give me a box. Eventually, I got XXXX XXXX to send me a box and returned the equipment. Over the course of the next several years, I have continued to receive collection calls and notices stating I owe them money ( currently {$59.00} ) and have repeatedly called XXXX XXXX and discussed the issue with them. They continue to not take responsibility to the miss charge and here we are again. XXXX XXXX has sent the collection to a company called Stellar Recovery Acct. # XXXX ( this time anyway ). I am tired of dealing with this company and obviously do not want it to reflect on my credit score/report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: NC

Complaint narrative:
50 days ago, I sent a letter to Equifax. In my letter, I identified information that was reporting on eight separate accounts. I asked Equifax to conduct an investigation on the inaccuracies and respond back to me as soon as possible. As I understand it, they are supposed to respond within 30 days. But like I said, its been 50 days and they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: BB&T CORPORATION
State: TX

Complaint narrative:
BB & T investigated fraudulent inquries from regional acceptance on my credit report. Their investigation was simply seeing if my information matched the address I put on the consumer dispute. This was not a thorough investigation and they said my credit was ran XXXX times. That should be a flag within itself.

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 2017-11-15 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: RI

Complaint narrative:
I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.

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 2017-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: TX

Complaint narrative:
I received a phone call from Alltran Financial alleging I owe them an auto debt. I do not know who this company is, I 've never heard of them and have done no business with them. I 've also received no information in the mail regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: NV

Complaint narrative:
Over the last two years or more, I have tried to get a response from EQUIFAX. Their credit score with exactly the same information as XXXX, is 120 points lower. XXXX IS XXXX  EQUIFAX IS XXXX. The information in the report is the same but since it is the same there is no way to dispute their score. XXXX IS XXXX. Again the same information. How can I get them to adjust the score to within the same number as everyone else. There would be no reason to have such a difference and i would like it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I was notified by mail that I am a victim of the Equifax Data Breach upon reviewing my credit report after being concerned there are 3 accounts on my report that were removed earlier this year after disputing and and then re inserted sometime without the proper notification. The FCRA states they must send me notification within 5 days of the account being added or reinserted back to my report not only is the account info incorrect Equifax failed to send me notification of the accounts being reinserted. Equifax needs to remove these accounts immediately from my report. 
1. XXXX- XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX- EQUIFAX ALSO LIED TO ME ON SEVERAL OCCASIONS THIS YEAR refusing to correct my address STATING THEY NEVER HAD MY PICTURE ID OR SOCIAL SECURITY CARD ON FILE TO REMOVE FRAUDULENT ADDRESSES AND AFTER VIEWING THE LETTER OF THE BREACH IT SHOWS I INDEED SENT MY INFO AND THEY HAD MY DOCUMENTS ON FILE ALL THAT TIME. DOCUMENTS DATING BACK TO 2015 they only corrected this after sending complaints to the CFPB this alone shows this company can not be trusted. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii )  Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc.
State: MI

Complaint narrative:
I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have an account with Capital One. I had to claim fraud on XX/XX/XXXX and they gave me a new number. However, they failed to advise me that my account would no longer report on my credit bureau. I had to find out by checking my credit score on XXXX XXXX. My credit score on my XXXX credit report dropped from XXXX to XXXX because this account was deleted. My credit score on my XXXX XXXX credit report also dropped from XXXX to XXXX. I filed bankruptcy in XX/XX/XXXX and I was using this credit card to rebuild my credit. I have never been late. I depend on this credit score to assist me in continuing to build my credit. I contacted Capital One on several occasions. One was  around the end of XX/XX/XXXX and they stated they would look into it. I never received a letter about my inquiry. I then contacted them again around mid XX/XX/XXXX and submitted another request to have this investigated. I finally received a letter dated XX/XX/XXXX stating that the old account was transferred to a new account and to allow up to 60 days for the new account to start reporting but as to this date it is still not on my credit report. I continue to make my payments, but they have failed me in not reporting my account right away when I brought this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

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 2017-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i was proofing my annual credit report mail to me there was XXXX hard quiry i know nothing about or authorize i called credit bureau and tried to fix this with live rep for credit bureau live rep stated i need to call the company and ask them to contact us to remove iquirys i call companys all 6 and basically told go pound sand back and transfer till system disconnect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Because of the Equifax data breach, my credit cards and personal information were stolen, unapproved charges were made on my credit card resulting in destroying my perfect credit. I am looking for full compensation plus damages and Equifax should be held completely liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
Medical Company - XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA turned over a debt to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

1. First there are two charges on the bill that I do not recognize and the medical company is illegally billing me services not rendered or administrative fees that I am not responsible for. 

2. The company issued this to a collection agency on the same day as the alleged charges were billed. I never received any form of communication from the Doctors office or any form of bill before they unleashed this debt collector on me. 

3. During the first call from the debt collector I was threatened with my credit being damaged.

4. On the second call I informed the individual that I was requesting proof of the debt and that they needed to cease and desist. 

5. On XX/XX/XXXX I was again called by this company in an effort to settle this debt. They asked for a much lower amount. I again stated that I had requested proof of debt and I was not going to pay anything. I again told the representative that I requested them to cease and desist.

Company response to consumer: Closed with explanation