vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
X/XX/17  : C apital One credit card email states someone tried to access accoun t. Spok  XXXX  with Capital One representative and online access wa s disabled. Was directed  to re-enroll the card and access   to credit card would be restored.
 X/XX/17  :   Have not received a statement and billing is due soon. Attempt to re-enroll in online services but only brings back error messages.  Two phone calls are placed ( one for 4 mins, and one for 84 mins ).   End result is there is an error on their end and it would tak e two weeks to fix.        X/XX/17  : No state ment received.  Again attempt to re-enroll online to access my account. Again same error message is received. ( 4 ) calls are made to Capital One to resolve this 5 mins, 6 mins, and 70 mins. Again no resolution, no stateme nts provided and the bill paid over they phone not knowing what I am paying for.       X/XX/17  : No  statement provide and bill was due. Again, attempt to log on only to be stoppe  d. Two phone calls are made 12 mins and 85 mins. No resolution had. No statement provided.
Today as it stands : There has been ( 3 ) billing cycles without a billing statement. While I can access their credit tracker I ca n't access my actual account. Because of this lack of information I have h  ad to report all transactions since   XX/XX/XXXX  as  fraud. I can not verify the balance and I do not have access to my account online to verify charges. I have been more than patient and done my do diligence trying to resolve this issue. My account has been in good standings ( no late payments, balances in full, no delinquencies ) through this painful process. This is beyond repair. It should be noted that o n  XX/XX/XXXX  I request a paper statement as those were not being provided as well. You would think once they shut yo ur online access down that they would provide those. That is unfortunately not the case. I was told it would be anoth er 1-3 months before that change would take effect. I can not wait 4-6 months total to see what is being ch arged to my account. This is completely unacceptable and I believe there are legal ramifications for my time and charges. Call records and case numbers are assigned to account. The company has plenty of documentation to confirm this case.       Sincerely,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recove ry Associates, LLC refuses to se nd me documentation showing how much money I have paid them and how much is left for me to pay. Every time that I call consumer service the amounts vary. This does not make sense and is not reflective of a responsible and honest financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: PA

Complaint narrative:
I have contacted Equifax on three occasions asking how I can find out when a particular item will be removed from my report due to age. The other two agencies list dates items will be deleted, Equifax does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: VA

Complaint narrative:
My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank is reporting a credit card on my credit report that was not opened by me. I have previously complained about this to Chase however the negative reporting remains. I am a victim of identity theft. I have previously shared with Chase Bank a copy of my lease which shows that I did not live, work, or have any association with the address that they used for the credit card account. I have had to dispute other accounts as well. I am attaching the letters from other financial institutions which have investigated and found that the accounts established in my name are not mine. I encourage Chase to pick up the phone and call the other banks to verify that they did an investigation and found that these accounts were not mine. Chase is the only negative information on my credit report. If this is not resolved within 10 days I will be instructing my attorney, XXXX XXXX, to bring a lawsuit and seek compensatory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
Today a woman from  United Collection Bureau repeate dly called me at work and refused to delete my work number from the contact information unless I gave them another number to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!

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 2017-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: LA

Complaint narrative:
For several months, I worked with XXXX XXXX, a loan officer for the American Financial Network. He pulled my credit 4 times, got me pre approved for an FHA loan and gave me some advice on how to increase my credit score. In the end, I could not be approved because I had a federal student loan that was in default. This was a fact that he should have known in the beginning, when I explained to him that I was in default and would be for 9 more months. He pushed anyway, telling me that the federal loan default would not prevent me from getting a federal loan. By the time that the loan was rejected because of the student loan defaults, XXXX supposedly ran a credit simulator and instructed me to call several creditors with debts I had paid off and have them removed from my credit report. At my time and expense, I did, and was rewarded with a 105 average drop in points on my credit scores, due to having less credit accounts and length, and to the many inquiries. After talking to all 3 credit agencies, at even more expense to get counseling on why my credit score dropped so drastically, I was instructed that the only thing I could possibly do was to get some of my inquiries removed. I contacted XXXX, he apologized profusely for not realizing his error with the student loan default before wasting 7 months of my time house searching and all, and agreed to seek deletion of my inquiries that he made. We had a conference call with an agent of the credit pulling company they use, and she instructed him to write a letter, which I would submit to the agencies, and the agencies would contact her to get the deletions done. He wrote the letter and sent it to me, however, he was mistaken, again, this time about how many inquiries were made. The letter he sent me reflects to delete XXXX inquiries, however, there were XXXX. XXXX XXXX no longer works for AFN. I was forwarded to a XXXX XXXX, where I explained the damage done to my credit by XXXX. XXXX said that he would not help me with a letter deleting the inquiries made in error.

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 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by 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 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Securitas Financial Inc
State: KY

Complaint narrative:
On XXXX XXXX, 2017 my loan closing for my home loan with XXXX XXXX XXXX was held. Prior to this closing, the Securitas Mortgage, Mortgage Broker representative XXXX XXXX ( NMLS # XXXX ) had informed me that the funds I should receive back after the closing ( from previous escrow as well as any additional funds ) would total {$1200.00}. During the closing the Notary ( XXXX XXXX with XXXX XXXX, XXXX ; XXXX ) mentioned that the cash amount to be received back to me was listed on her paperwork as {$500.00}. When I mentioned that this was not the amount discussed with me by XXXX XXXX prior to the closing, I then paused the closing to give him a call and after some checking while on the phone he then determined that {$700.00} had inadvertently been left out during the processing of my paperwork. At this point he then confirmed this to the Notary, XXXX XXXX, over the phone during the closing. XXXX XXXX then said that if we would continue with the closing he would send me a check for the amount left out in error - {$700.00} - within the next day or so. Although I did receive the {$500.00} amount first mentioned by XXXX XXXX within a few days, I did not receive the remaining {$700.00} the Securitas Mortgage Broker assured me that I would receive if I proceeded with the closing. During the next week the promised check did not arrive from XXXX as promised, nor in a wire transfer to my bank account, which was also promised on numerous occasions. The Securitas Mortgage Broker representative even promised twice to drive a check to the nearest XXXX XXXX XXXX and deposit the check directly into my account on at least two occasions. It has now been 40 days since my closing and I still have not received the remainder of the funds I am due. I have at least several dozen emails from Securitas Mortgage relating to this issue and promising to resolve this situation, and nothing is being done. A few days ago I then sent an email to the Securitas Mortgage President and also sent an email and left several voicemails with XXXX XXXX, Mortgage Consultant ( NMLS # XXXX ) who processed the loan, and have received no response from either of these Securitas Mortgage representatives regarding my situation. Once again, I have numerous emails from Securitas Mortgage acknowledging responsibility for this amount owed of {$700.00} and promising payment, and the XXXX XXXX XXXX notary XXXX XXXX also remembers payment of this amount being promised by phone during the closing, however nothing is being done and I am not receiving call backs when I leave messages.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is the WORST student loan company. Navient misallocates payments and suggested me multiple forbearances instead of income-driven repayment plans. They provided unclear information about how to re-enroll in income-driven repayment plans. They also call non stop, harassing me when I asked them to email. I am making {$350.00} per month and I am ONLY paying for interest. At this rate I will be paying them my whole life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: KEYCORP
State: PA

Complaint narrative:
Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was called by a collection agency about a debt that I had no knowledge of. So this prompted me to pull my credit report. I do n't know if my identity was stolen because I do n't know who could have done it however I have so many accounts on my report that do n't belong to me! I was really shocked and started contacting the creditors trying to see what I could do to correct this awful problem but each creditor basically acted as if I was lying and asked me to pay anyway! This treatment is illegal and I am currently looking for legal counsel. This is a final attempt to get these items removed please help! The accounts that are reporting that are not mine and that I have no knowledge of are listed below, XXXX XXXX XXXX., XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX , XXXX XXXX XXXX/XXXX XXXX XXXX, XXXX. XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have no knowledge of these accounts! I have tried desperately to correct this problem. Please help! No one should be treated this way!

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 2017-07-24 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: VA

Complaint narrative:
My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.

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