vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I applied for the total discharge due to XXXX. It got approved. But NAVIENT has marked my credit report 90 days late and on the XX/XX/XXXX it will be marked 120 days. My discharge was approved in XX/XX/XXXX. Thanks to NAVIENT. My credit report has DROPPED XXXX POINTS. Plus they are still charging me interest. RIGHT OWN THEY HAVE CHARGED OVER XXXX INTEREST. I have paperwork and emails where my loan was dismissed. This is affecting me buying a house with them continuing marking me late. Please do something. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family 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 non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I applied for a title loan in XX/XX/2014. It was not clearly explained to me that you are paying off mainly interest, very little would go toward the loan princiable. For example I pay XXXX only {$10.00} would be applied toward the principal, the rest would go to interest. No matter how you pay unless you pay the loan off in huge amounts there is no way you can catch up the interest. Now I am struggling to keep up and have fallen late on the loan. When I make a payment it all goes to interest and none is applied toward the princiable. I talked with the regional director for the XXXX California Check into cash to try and work this situation out and have been threaten with losing my vehicle. I have paid approximately XXXX dollars in interest alone. That is more then I borrowed. I have done all I can to pay this loan back and have come to realize that unless I pay it all at once I will not be able to end this cycle. This company targets people who have credit problems and misleads them to believe they are helping. It is only after you have fallen into there trap that you realize it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.

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 2015-04-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
My son and his wife forged my wife and my signatures on an apartment lease. I filed a fraud charge to Rentdebt automated Collections and provided proof to them that it was not our signatures. To date it still shows as a collection account in my credit report. It 's been over 3 years now and it 's still there. 

This was in XXXX, XXXX. back in XXXX. We lived in XXXX XXXX, XXXX. at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Bank of America business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.

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 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient had me on a payment program and I was paying a somewhat reasonable amount monthly. However when it ended decided that I had been on too many programs since the opening of my account. I tried multiple times to work with them on a reasonable payment plan but they could not lower it unless I sent them XXXX bank statements and XXXX paystubs. The manager would go through my bank statements to make sure I was not spending my money on frivolous items like XXXX, etc. Initially, I refused based on principal. I have nothing to hide and do not spend extravagantly but felt this was an invasion of privacy. I paid what I could each pay period but continued to accrue fees and they called me up to 15 times per day and on the weekends via automated calls even though they were closed. When they could not reach me they would contact my references that I had to list when I applied for the loan. They harassed my family and friends. They hung up on my mom 3 times when she asked to speak with a supervisor. Afraid of garnishment and worse, I finally sent my bank statements and pay stubs. This is still not a guarantee they will lower my payments. It is humiliating. I am awaiting review of my account for them to determine if my payments will drop from {$570.00} per month to {$240.00} per month. I borrowed {$20000.00} and now owe {$79000.00} after 5 years. I want nothing more than to repay what I owe, but I have so many other bills that I can not repay the monthly amount without an income based repayment plan. Taking out a private loan was the worst mistake I ever made and has made me wish I had not returned to school for my degree. XXXX ( now Navient ) are more like mafia than student loan lenders. They never stop. I have tried to consolidate my private loan debt with XXXX and my credit union but because my credit is affected by these student loans, I have been declined. I feel like I am at a loss. I borrowed money to better my life by getting my degree and a great career. Sadly, I regret this decision daily because of these loans. I hope that filing this complaint will help other making a decision about private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted navient several times over the last two years advising that due to medical reason, XXXX in 2015, that I was not able to make my loan payments because I was XXXX and due to hospitalizations, my income was lower. I was advised to take forbearance for those times which I did, not knowing I could have entered into an income based plan. Also, I received a notice from navient of a forbearance period for a natural disaster in my area, but I never requested that. I was shocked when I received the letter. I attempted to contact navient but never received an answer. Finally, navient could not have made it more difficult to enter into an income based repayment plan. The website where you are supposed to upload the application and tax returns for proof of income states that the application is too large to accept ... .its their application. And would not accept tax documents. Took days, numerous phone calls to get a fax number to send documents. Then I was told to pay {$50.00} as a good faith showing so they would not put me into default while my application was pending bc they were n't sure they would have application complete within XXXX 30 days I had before going into default. I did finally receive notice of the I come based repayment plan. However, I am concerned about the forbearance done without my request or permission and the 2 years I could have been on a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Regional Management Corporation
State: AL

Complaint narrative:
Not only do they continuously call all day every day, the manager gets an attitude with me saying " I would n't recommend you to my worst enemy '' and threatens to take legal action. He said he 's going to pull up my record and see how many verbal commitments I 've broken. I am XXXX pregnant and he was being so rude and really getting me shook up. My husband gets on the phone and he tells my husband that " its ok, my wife was psycho too when she was pregnant ''!! He mocked me like a child and Itold him that wwas n't very professional. Something needs to be done. He verbally attacked me, threatened me, and harrassed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had an ongoing issue with Chase pertaining to a late payment incurred on my credit report for a missed payment for XXXX 2015, which reported as a XXXX 2015 late payment. The late stems due to the mistake of the booking keeping service I hired to pay my bills ), who failed to submit a payment to Chase, while at the same time sent m a month end statement that showed Chase had been paid. Hence I was not aware of the missed payment. I paid the account soon as the delinquency was brought to my attention. I had called Chase and was asked by them to send them proof of this error and in turn they 'd remove the late payment under the fact that the late was due to a " 3rd party error. 

I not only sent them the letter from the book keeping service, but I also sent them a copies of my XXXX XXXX bank statements, which showed I had over {$230000.00} at the time of the missed payment ( see attached statements ). 
Chase however responded back, by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally, another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error, and XXXX was more than willing to remove the late payment when I presented my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc.
State: IN

Complaint narrative:
I have never been to this XXXX or been seen by any of the XXXX in this office - XXXX ' they refuse to present any documentation showing I have ever been to this XXXX office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation
State: GA

Complaint narrative:
I woke up and checked my account and found that about 2 hours earlier when I was sleeping a charge of {$100.00} was made at XXXX, i disputed charge and XXXX denied claim with no reason, and I did provide signed doc stating I never made this charge and my card was in my possession.

Company response to consumer: Closed with explanation