vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-25 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: MI

Complaint narrative:
I became XXXX after receiving my students loans. I applied for forgiveness based on XXXX, I was denied when I should have been approved back in XXXX. I got them all of the documents they requested and even though I fell within what they told me, they denied me. So I applied for a XXXX  repayment consolidation loan after being denied the XXXX forgiveness. During the process of the XXXX  consolidation loan through Navient, one of my loans was missed. I kept putting it into deferment/forbearance until I could get the situation resolved. So it went into default when it should have been included. I called Navient to explain that I needed the XXXX   repayment consolidation loan redone with my loan that was missed when I noticed the error in XXXX. The person I spoke with on the phone was rude and not helpful. She blamed me for not notifying them within 30 days of the error. No help whatsoever so I put my loans into deferment/forebearance until the error could be corrected. No one has been helpful at Navient or XXXX XXXX XXXX  XXXX  about this issues. So now my loans are in default with the Department of Ed, and Department of Treasury. I found your sight and the lawsuit against Navient and believe I fall into this category. Department of Treasure now wants me to go into a loan rehabilitation programs. The problem with this is, my timeline for forgiveness in the XXXX   repayment has disappeared and my interest has accumulated since XXXX when it was an error on this part. I believe I would be a fabulous candidate to be included in the lawsuit that is currently pending. I need this to be fixed ASAP. 

I have been lied to and mislead by these people. Navient, XXXX, and XXXX XXXX. Had they of dealt with it in XXXX and XXXX we would not be in this position now. I'm tired of getting the runaround no matter what I do. Once person says one thing, and another says something completely different. Which is exactly why the lawsuit has been filed. I really think I should be covered by that lawsuit but I am trying this because I get a different answer everywhere I turn to try to correct this! This also needs to include multiple schools in where I was attending. As well as include XXXX XXXX XXXX XXXX and XXXX but it would not let me include multiple names/schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEW IMAGITAS, INC
State: CT

Complaint narrative:
I selected a mortgage provider on Bankrate.com. One of the reasons I did so was because Bankrate.com offered a {$500.00} ( giftcard ) incentive that I was to be eligible to receive upon closure of the mortgage. 

The mortagage closed in XXXX, and I applied for the incentive. I received an email on XX/XX/XXXX indicating that my request had been received and that I should receive the card within 6-10 weeks. On XX/XX/XXXX I contacted Bankrate.com customer service and inquired as to why I had yet to receive the card. 

A representative called XXXX XXXX wrote me back that ( via email ) that " my request is still in process. '' As of today ( XX/XX/XXXX ). I have not received my the card and have not been offered an explanation. 

Recently, I wrote customer sevice again and have not rceived a response or explanation. I think that Bankrate offered this incentive in bad faith, with no intention of making good on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MT

Complaint narrative:
I am getting repeated phone calls by Jefferson Capital. Jefferson Capital is masking their phone number to reflect an area code in " XXXX Florida '' where I'm from and have family & friends residing. Jefferson Capital is not located in Florida and they are masking their phone number with the hope of me or any 3rd party being tricked in answering the call. Furthermore, Jefferson Capital is calling 3rd parties in trying to contact me. Both tactics I just described confirms the knowingly & willingly act by Jefferson Capital violating my rights under the FDCRA & FCC.

I previously sent Jefferson Capital a letter requesting for them to inform me in writing of what alleged debt they are trying to collect because I am unaware of any outstanding debt that I owe to any creditor. I also requested that if they are making any allegation of any outstanding debt that they are trying to collect to please provide me " validation of the debt '' & as of today 's date, they haven't provided me no validation of debt & continue to call me and 3rd parties. 

In closing, I am requesting that Jefferson Capital cease from calling me and any 3rd party. Furthermore, I will be filing a small claims lawsuit no later than XX/XX/2020, & today will be my only attempt to try and resolve this matter informally with Jefferson Capital before I file a lawsuit in small claims court. My lawsuit will be regarding the knowingly & willingly action ( s ) of Jefferson Capital violating my rights granted to me by the FDCRA & FCC. My lawsuit will be for {$2000.00} & the only communication I authorize Jefferson Capital to have with me is in writing & informing me if they agree to settle this matter informally. 

The following are some of the phone numbers Jefferson Financial are masking ; XXXX & XXXX The following is only 1 example of Jefferson Capital trying to communicate with a 3rd party in their attempt in trying to contact me ; XX/XX/2020 using the masked phone number XXXX at exactly XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INT'L INC # XXXX****IQ Data International Failure to Validate Disputed Debt ... XXXX consumer iq-data-international-fail ... 
XX/XX/2017 - According to the complaint, IQ Data has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ

Complaint narrative:
This is a follow up to CFPB Complaint : XXXX-XXXX  The company is falsely reporting and is violation for the Fair Debt Collection Practices Act. Please see article 809 ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

They have provided NO PROOF to me the account wasnt satisfied.

The account was paid directly to the provider from my health insurance and a via money order. The ARS company would not have this as it was paid directly to the provider in question.

This account and collection is not valid and the ARS company is acting fraudulently.

In addition and prior to my written Cease and Desist this company ARS made multiple daily calls to my home ( XXXX ) some of these calls were outside of normal hours XXXX XXXX and late in the evening. ARS would call 8-15 times per day. The clearly were in violation of the FDCPA in the area of collection calls as well.

It is not my responsibility to locate EOB 's from my insurance company nor is it my responsibility to locate a money order from years ago. This account was paid in full. Clearly there is fraud happening on both ends of this weather it is from the collection company and provider remains to be seen. 

ARS has a responsibility to validate the debt, they have not provided valid data to support this collection.

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 2020-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My balance is {$19000.00} with Navient and the advertised interest rate is about 6.4 %. My payment is $ XXXX/Month and there are 177 payments remaining, which means that if I ran the life of the loan ( XXXX ), I would have paid a total of {$29000.00}, of which {$10000.00} would be interest. 

That is 52.36 % interest, on a student loan that I was forced to take out because of the socio-demographic-economics of our country, where an education was force-fed as the only way I would be able to potentially lift myself and then family out of our low-income struggles, AND was disclosed as 6.4 %. Mind you, my degree I did earn and did very well at with a XXXX GPA, was in XXXX. 

These student loans, are predatory practices in which the companies and government, take advantage of the inelastic demand for them and charge students like me, egregious amounts of interest that force the borrowers to be stuck in debt their whole life instead of growing themselves out of their position and into a better life, which the loan for the education was supposed to do in the first place. 

I am formally filing a complaint for myself, and the millions of people in my situation because this should be illegal and it is flat out morally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am unable to submit an electronic request for a credit freeze with Equifax without first agreeing to their terms of service, which include, among other things, a provision that allows them to sell my personal information and allows them to change the terms of service whenever they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
They will not allow me to allocate, or determine, where my payments go. Specifically, to the 0 % Intro APR promotional balance, which will expire soon. They will only apply the minimum payment due to the promotion, applying the rest to the higher interest. I understand that, by law, if a consumer does not specify the higher interest balance is paid first. But, I specifically requested that additional payments go to the promotion and they denied that request, time and time again. Which will now make it impossible for me to pay off the 0 % Intro Balance prior to the expiration. Discovers T & C does not state, anywhere, that you are not entitled to specify how your payments are allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. This account is paid and should not have a balance. This is in violation and it needs to be removed.

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 2020-02-25 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: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
I applied for and was declined by XXXX XXXX XXXX to refinance my vehicle on or about XX/XX/2020and I received legal notice in the mail I was declined. 
Then I received a call from a XXXX at Auto Pay LLC on XX/XX/2020 @ XXXX XXXX XXXX & XXXX XXXX XXXX stating they received a request to refinance ( which I did NOT submit to them-XXXX XXXX did ) and that they needed more info " So we can submit it to our large network of lenders ''. I did not return the call as I had already secured a refinance with a credit union. Then on XX/XX/2020 I received notice from XXXX  that XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX  Ny ( XXXX XXXX XXXX ) had pulled my credit WITHOUT my authorization. I immediatly called Auto Pay LLC on a hunch and the woman I spoke with today XX/XX/2020 confirmed yes they had give permission to their banks to pull my credit, even though I had NEVER consented to this! I advised do NOT pull anymore credit and pull my application, I do not need their services. I am shocked that someone, especially a refinance broker like Auto Pay would give my sensitive information to their banks to pull my credit with NO permission from me, the consumer. I am also not happy with XXXX XXXX XXXX selling my sensitive information after declining me as this could lead to fraud. I read the XXXX XXXX disclosures which only stated the loan may be provided through them OR their affiliates, not that they would pass my sensitive information on to other 3rd party companies AFTER XXXX XXXX XXXX declined me!. This is all shady. I want the inquiry removed from my credit and all my information removed from XXXX XXXX and ALL of their affiliates files.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Failure to Validate Disputed Debt ...  XXXX XXXX XXXX ... 
XX/XX/2017 - According to the complaint, XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.

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 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Failure to Validate Disputed Debt ...  XXXX XXXX XXXX ... 
XX/XX/2017 - According to the complaint, XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently ran my credit and noticed the below accounts on my file that are not mine. I have attached an IDENTITY THEFT report with this dispute letter.

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 2020-02-25 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: OH

Complaint narrative:
I noticed a hard inquiry dated XX/XX/2019 on my TransUnion credit report from XXXX National Credit Cards/Airlines. I did not apply for ANY credit in the year XX/XX/2019 and yet it appears on my TranUnion report. It, however does not appear on my XXXX report. So I decided to call XXXX at ( XXXX ) XXXX and the first agent I spoke to said that he did find an account with my social but not my name. He then transferred me to the fraud department. 

This gentleman in the fraud department asks to put me on hold for a few minutes to check his application database and when he gets back, he states that he could not locate any information for me. He told me to, again, call TransUnion and let them know. I asked him if I need anything from him and he said no, that TransUnion would contact them. 

I call TransUnion back and the representative on the phone tells me that I have to call XXXX back and get a letter of deletion from XXXX. She said that I needed this letter to have it removed from my credit report. She told me to mail it to XXXX XXXX XXXX XXXX, PA XXXX and include my name, address, last 4 SS, my file # which she provided, and to write that it was in regards to removing my hard inquiry from my report. 

I call XXXX back. They told me that they were not going to provide me with a letter of deletion because there was nothing to delete. I stressed the fact that TransUnion requested it and still they refused to provide any such document. 

Furious, I called TransUnion back and let them know that XXXX refused to give me a letter and the lady basically told me sorry because they need the letter. I told he I can not make them give me a letter and I needed help getting this removed. She told me to file a police report, which I thought was crazy considering I don't think the police have the time or manpower to investigate my credit report. She transferred me to her supervisor and he told me to file a report with you, the Federal Trade Commission. And so I did. I was told to file this and send it to the same address I listed above. 

I can not believe that I can not do anything to resolve this matter on my end. I feel as if I have been getting the run around and if my name/SS is not in XXXX  's database, I don't know why my credit should reflect that. I need as much help as I can get in resolving this matter. 

I XXXX  this XXXX National Credit Cards/Airlines after the fact and found out that I am not alone in this. Seems several consumers have had the same experience and run around. 

Please help as I am at a loss as to what to do. 

Thank you

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