vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: LEXISNEXIS
State: OH

Complaint narrative:
I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus. 

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of Lexis Nexis and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Accounts Receivable Services
State: MN

Complaint narrative:
This complaint involves the debt collection agency XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 

I was aware that I had {$930.00} in medical debt that was overdue from a XXXX XXXX I suffered. When I called XXXX to set up a payment plan or settle the debt, I was threatened by XXXX ( did not give last name ) that my debt had already been filed with the court and I was being sued. He told me that I was due in court in a few days. He said I had to pay the full amount due and they would not accept any settlements. I let him know that I had never been served any court papers even though they have my correct address, which he verified over the phone. Even though I could not afford to pay the full amount, I knew I had no time to find an attorney or pay court fees so I paid the debt in full. 

After I got off the phone, I checked with the court and there were no cases filed against me. There was no pending court date. Everything XXXX said was a lie to force me into paying the full debt immediately over the phone and avoid any payment plan or settlement. 
I am extremely upset and disappointed. This is certainly an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gragil Associates, Inc.
State: NH

Complaint narrative:
XXXX XXXX XXXX XXXX payed their portion of {$870.00} on XX/XX/XXXX. I received a voicemail from XXXX stating that my portion of the bill to paid is {$370.00}. 
Which adds up to {$1200.00}, the amount I owe to the XXXX XXXX XXXX XXXX XXXX. I have an itemized bill from the XXXX XXXX XXXX, showing a total amount due {$1200.00}, I also have a bill from the collections agency, Gragil, for that same amount. 
I called Gragil XX/XX/XXXX to check in and pay my portion of {$370.00}. The first gentleman I spoke with stated that XXXX, who is listed as the account representative was not available but said he could help. I informed him that XXXX has paid a portion of {$870.00} and that my remaining balance is {$370.00}. He said that he does show that XXXX paid that portion. He also stated that my remaining balance is actually {$700.00}. I asked him if he knew why, he said he does n't know, then told me he received an email from the XXXX XXXX XXXX stating I own {$700.00}. I told him I would call XXXX and he quickly said do n't call them, XXXX is looking into this but is not available today. He told me to call back after the holiday. I called XXXX on XX/XX/XXXX to confirm that they paid {$870.00} on XX/XX/XXXX, they did confirm that amount was paid to the XXXX XXXX XXXX. I explained to them what was happening with the collection agency, XXXX stated that they do n't pay the collections agency that they paid the XXXX XXXX XXXX XXXX XXXX and to call them. I called the XXXX XXXX XXXX XX/XX/XXXX I received an automated message that they are not in the office. I called Gragil today XX/XX/XXXX, another gentleman answered stating XXXX is not available but that he could help. I received a different story about why I owe {$700.00}. I told him he can not collect on a debt larger than what I actually owe, I explained I have the itemized bill in front of me. He states that he does see that my balance is {$370.00} but that I do have a collection fee. I stated that I have the bill from Gragil also, with no collection fee attached, no terms or conditions on my account. He stated that he could take off the fee and asked if I would be able to pay {$500.00}. I told him no, I do not owe {$500.00}. He stated that he will look into this and call me back. I have original documentation, my bill from Gragil does not show that I owe more than {$1200.00}. I called the XXXX XXXX XXXX, spoke with XXXX and let her know my situation, states that they did not bill me for anymore than {$370.00}, states that she does n't know why I would be charged fees and that what Gragil is stating is incorrect. XXXX stated that she would have the women who is in charge of this who is back in the office Monday get me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I siggned up for the XXXX XXXX XXXX credit card through XXXX XXXX on XX/XX/XXXX. I called on XX/XX/XXXX when no card arrived. I was told they would ship out another one. I called again on XX/XX/XXXXwhen no card arrived again. I called again on XX/XX/XXXX when no statement or card had arrived. I received the statement on XX/XX/XXXX. They said it was mailed on XX/XX/XXXX. IT does not take 11 days for a statement to arrive. It has a due date of XX/XX/XXXX to which I can not make a payment because there is not enough time ffor it to make it to them and I still have no card to set up online bill payment. I was told sorry we mailed it. out. I received the USPS servcie where they send pictures of your arriving mail. I can show where it was never in any of my incoming mail not that it was lost it was NEVER sent. XXXX was who I spoke to

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 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DEBT CREDIT SERVICES
State: WI

Complaint narrative:
Debt Credit Services has only contacted me once about a XXXX XXXX bill that was closed by XXXX XXXX seven years ago. They contacted me only once by phone. The representative that I spoke with was very rude, and told me that I had to pay the {$690.00} that day. When I tried to explain to the representative that the amount was incorrect : I had moved out of an old apartment years ago, that the name was never properly changed by XXXX XXXX when I moved out and that they had charged me for several months instead of the property owner, while I was n't even living there. I offered to pay the amount that I had owed when I moved out, which was {$360.00}. The representative refused, and told me I had to come up with the full amount by the end of the month or they were going to sue me and garnish my wages! She scared me into telling her that I would call back to make arrangements for payments. I requested a bill outlining the amount owed, and she said it would be mailed to me. Since I have not received anything in writing, I did not arrange to make any payments. I never received a paper bill outlining the amount owed and for when. The XXXX XXXX account was closed seven years ago. When I have made attempts to call the Debt Credit Services to request a paper bill again, I either get a message saying the office is closed, or I have to leave a message. I have not received any calls back, nor have I received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
RE : US Bank This is in regards to an allegded late payment for a credit card. I 've contacted them several times, written them, etc., to no avail. No responses to written letters, and when I have called, they continue to transfer me to people who can not discuss this matter. 

A late payment was NEVER made on this account. All payments were on time and this was a system error. 

Request : Rectify and delete late payment

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 2018-01-05 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
Letter sent to XXXX to remove remark from credit report. Loan was closed through bankruptcy and is still being reported to credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This Debt has been paid & needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: VA

Complaint narrative:
Central Portfolio Control callback number is XXXX. Has contacted me several times starting XX/XX/XXXX. On XX/XX/XXXX they called and spoke to me directly. Since then they called again leaving messages on XX/XX/XXXX and XX/XX/XXXX. 

In addition to these calls and messages on my phone. They called my place of employment on XX/XX/XXXX, and my grandmother on XX/XX/XXXX. 

They have already spoken to me, and have all of my contact information, they should not be calling third parties.

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 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX credit report reveals that a fraudulent application was submitted with her information that resulted in an inquiry XX/XX/XXXX and again XX/XX/XXXX with Kohl's/Cap One that she did not authorize. A formal dispute was provided to XXXX 's concerning these inquiries however Kohl 's has not responded to my client which is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: FL

Complaint narrative:
There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: KS

Complaint narrative:
XX/XX/XXXX, I sent a deferment and cancellation request form to XXXX XXXX. They sent back a request via email requesting a letter sent from my employer indicating which school. I sent the letter back to Heartland right away. First of all, the instructions for sending the letter was horrible. It did not tell what information to include in the letter or if anything needed to be sent along with it. I sent the letter the same day I received the email from Heartland. I never received another email from them until XX/XX/XXXX. I went to my account only to discover that I  received a billing statement saying my payment is due XX/XX/XXXX. I contacted Heartland to see why I was receiving a statement and the lady told me that they did not receive the letter I sent. Mind you nothing in my account shows when I submitted the request or that they had sent an email requesting for more information. I did not receive another notice. The representative told me that I would need to submit paperwork again because it had been longer than 30 days. Really?? I asked if I could send a copy of the letter and was told no. The communication with this company is horrible. Why could I have not sent it electronically? They accept nothing electronically but they sure do send out all notices electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are hard inquiry on my account that I did n't authorize. 
* XXXX *XXXX XXXX XXXX XXXX XXXX *XXXX

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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I sent a {$70000.00} wire to Coinbase including only the exact information they required ( without any extraneous info ) to credit my account on Coinbase. 

As of XX/XX/XXXX ( today ), SIXTEEN days later, my wire transfer to Coinbase is STILL not there. Although Coinbase claimed next day availability ( on their website ) for wire transfers as of XX/XX/XXXX. 

I filed an online complaint through XX/XX/XXXX/Coinbase after about a week, as well as ~ 2 weeks later .... and then called and even had that escalated to an upper tier, and the response I received was to stop calling because it delays the process ( see attached documentation. 

How much longer could this possibly take, the one day turnaround has been more than 2 weeks? I have missed out on huge possibilities because of their promises. 

I needed the money I sent to Coinbase so I could buy Bitcoin instantly at {$12000.00} and now it has reached over {$16000.00} ( who knows where I will even be able to buy it back in at this point ) .... 

I believe Coinbase has done this deliberately something fishy is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: WV

Complaint narrative:
American Credit Acceptance is the loan company. First problem is the interest rate was 25 % and the issue is i bought the vehicle from XXXX with ACA as the lender with {$1000.00} down. The vehicle broke down within a month and I had to put over {$1500.00} into the truck to get a new rear end in the vehicle. After that I had the payments for the truck I spoke to them about it got a 3 month break, yet I found out a few months after that back in XX/XX/XXXX that the truck would not pass inspection without getting a new bed of the truck which cost $ 1500- {$3000.00}. On top of the repair bill, the monthly truck payment, as well as trying to get it to be pass state inspection I was struggling. I spoke to a lady at ACA about trading the vehicle in so i was told to wait on making the payment after XXXX. So today XX/XX/XXXX they Repoed the truck and told me I needed {$1400.00} to get it back along with storage fees, etc. Also, if i could not afford to get the vehicle back I was informed that if the truck sales at the auction I would still have to pay the difference even though I paid over {$2000.00} to get the trucked fixed to get it to run due to being sold a lemon from XXXX and the ACA. When I went to trade the vehicle in i was told I needed to have {$2000.00} down in order to get loan with trading in the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I just found out today that a medical bill I owed was placed with a debt collection agency. I was not notified by the agency that they have my debt and given the opportunity to dispute it with them. I tried multiple times to dispute the debt with the original medical provider. I am being charged for care I received from the physician while he was under the influence of XXXX and XXXX. He was arrested, his practice shut down, tried and admitted to it to the DEA and pharmacy board. I do not feel I should have to pay for services from this physician. He shut his office down without notification to his patients. Refused to honor my requests for medical records that I faxed to the office that was still accepting them. I was unable to find a new physician to accept me without his records or a referral and it took a year to find one that eventually did uncover my XXXX.

Company response to consumer: Closed with explanation