vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Im being forced to pay for a signature loan, that I did not need, did not request for, and did not sign for. I graduated in XX/XX/XXXX. By XX/XX/XXXX started receiving promissory notes about the loan, which at that time was over forty thousand dollars.After the Pell Grant and other grants, my responsibility would be {$9000.00}. I contacted the university, by way of the XXXX XXXX XXXX. The response was evasive, and I was inform that the loan was for a girl name XXXX. I seriously felt that they would clear up the mistake, but they didnt. From XX/XX/XXXX -XX/XX/XXXX received more calls about repayment. By XX/XX/XXXX I was close to 200,000 in debt. At this time they were still Sallie Mae. By XX/XX/XXXXI have filed bankruptcy chapter XXXX. After receiving a bankruptcy discharge, this is when I learned of Navient, when I looked at my credit report, I saw that Sallie Mae, and Dept of ed, and NAVIENT had been included in bankruptcy, my ccredit report also reflected the same information. Also it stated that the loans where no to be collected, sold, or transferred. Yet, as Navient, they transfered six of those account. All came about, due to school misconduct, such as forging signatures and falsifying documents ( source U.S. Supreme Court ) .navient has sense then taken one loan and broke it down into 6 individual loans to purposely damage my credit. {$8300.00}, {$4400.00}, {$8700.00}, {$2200.00}, {$5900.00}, $ XXXX= {$34000.00} ; which they are now saying is close to $ 60k.Navient has failed to resolve the issue.they will not send original information in reference to the accounts, thus who requested it? who signed for it? Not even would they say where they sent the money. I have asked them to remove the balances of my credit due to the bankruptcy discharge, which they honored. But when I go on their web site, it only shows one account. I current have that account on hold due to barrowers defense to repayment due to school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America keeps changing my account types without notifying me. I initially signed up for 2 free checking accounts in XX/XX/2009. One of the accounts had a free service ( overdraft protection ), which was supposed to automatically transfer funds into it from the other linked account, in the event it's balance is low. 

The free checking account was changed, without notifying me, to a different checking account ( now referred to as Core Checking ). The free " overdraft protection '' now had a fee for each occurrence, and an additional monthly maintenance fee ( based on the new Core Checking account ) was being withdrawn from my account. 

These fees were withdrawn from my account for about a year before I noticed them. Perhaps it's just me ; I could have sworn that I had never seen the fees show up on my online account as I don't look at my online statements ( I opted to receive only eStatements ). 

I called to ask about the change and was advised that the account was no longer free and the fees associated with the Core Checking account. I was offered a new checking account option " eChecking '' to avoid fees, which I took. 
The eChecking account was online only. It couldn't be used with checks, meaning you couldn't write a check to someone from the account. 

Just this month, I got charged a monthly maintenance fee on the same eChecking account. Good thing I caught it on time this time around right? When I called the customer service center to find out the reason for the fee, I was advised that the eChecking account was no longer offered and they had defaulted me back to the Core Checking account - again, I wasn't notified of the change. 

I believe this is a standard practice for BOA. They probably make these unannounced changes, on purpose, to collect fees from their customers and increase their revenue. These are probably carried out through carefully written algorithms to target certain customers after considering potential revenue they could generate from a particular group of customers. 

I would like this issue to be considered seriously and investigated. I can guarantee I'm not the only consumer affected and used for this BOA 's revenue generation scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I recently acquired my credit report and discovered that XXXX XXXX XXXX XXXX is reporting a collection account from XXXX and XXXX XXXX to multiple consumer credit reporting agencies. The reports indicate the accounts are from XX/XX/2014 on a card I supposedly didn't pay. I have no record of such even. I have paid all of my bills on all of my credit cards, so I do not know how this account came to be in the negative. I haven't received any information from XXXX to clear this up. I have disputed the information as inaccurate to XXXX, but was informed XXXX has verified it as accurate. When I checked my reports, however, XXXX has re-reported the information recently and is not so much as reporting it " disputed, '' which a consumer rights attorney I know told me would likely violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a debt that they charged off and can not legally verify belongs to me. I have no recollection of the said debt yet all 3 credit reporting agencies refuse to remove the debt after several rounds of dispute. None of the 3 credit reporting bureaus have provided any documentation with my signature nor anything that validates the accounts. They simply refuse to follow the FCRA section 609 guidelines. Equifax, XXXX, and XXXX XXXX continue to willfully report this inaccurate information and severely affect my potential to receive credit. I have asked for copies of verification of the original contracts or bills singed by me, which by law, is my right. I have yet to this day to recieve such verifications on any dispute i have ever filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
I have been calling this company for weeks have left messages trying to get my consumer report frozen. They do not call back & continue to report inaccurate information due to identity theft. All other consumer agencies have responded. I am requesting my consumer reports frozen.

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 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
After applying for a credit card with JPMorgan Chase, Chase decided to shut down all of my personal and business credit cards without notice. When I finally logged into my account, I saw that all of my credit cards were closed. I had been a customer with Chase for over 10 years now. I immediately called to ask why this had happened. I spoke with two customer service representatives and they both informed me that the reason was " I had opened too many credit cards in the past year. '' After explaining to them that I needed them to go on an oversees trip back home to XXXX, neither the customer service representatives budged on the issue and said that the shutdown was final. They mentioned that I was considered a " risk '' for defaulting with such a high credit limit even though I have a XXXX FICO credit score and have never missed a payment in my life. I eventually was able to convince one of the representatives to file a motion to reconsider. I was told I'd be notified via mail in 10 business days. Nothing happened and my account was not reinstated. I have attempted to try all reasonable avenues to resolve my problem and it seems that I'm at my wits end so the only recourse is the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: LoanCare, LLC
State: NC

Complaint narrative:
A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of my credit report?

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 2018-04-20 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: CA

Complaint narrative:
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX, XXXX, Equifax. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, XXXX, Equifaxhas FAILED to do so. I feel as if XXXX, XXXX, Equifax is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX, XXXX, Equifax and I can resolve this issue without having to see a courtroom. I will await XXXX, XXXX, Equifax response before I disclose any of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
on XX/XX/XXXX western union sent a response just to try and hurry to close my claim while XXXX is still missing XXXX XXXX XXXX is an executive for the claims at their company she said that XXXX XXXX was the company that they sent the claims to I'm on the phone with XXXX XXXX now and they said SHE IS LYING THEY HAVE NO CLAIM no reference numbers were given to me as far as a claim goes for them so they said call wu back when i did they told me the case was closed and nothing more that they do SO WHO HAS MY PERSONAL INFORMATION AGAIN!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I have 3 credit accounts with Navy Federal Credit Union. 2 credit cards and a car loan. I was one day late on one credit card and they way Navy Federal 's online account works, it forced me to pay double and it forced me to be one day late on another credit card and pay double the minimum payment as well. 

As soon as you are one day late paying your credit card, Navy Federal locks you from accessing your account online. It takes you to a screen that forces you to make a payment, you can not navigate away from this screen to pay other Navy Federal Accounts. One day late and my payment went from {$480.00} to {$990.00} instantly. Since I was locked from paying my other accounts, this forced my 2nd credit card to go one day late and making me pay double the minimum payment on this account.

This is very deceptive and can hurt consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TSC Accounts Receivable Solutions
State: MD

Complaint narrative:
Received call on cell phone about a non-existent debt. Phone is registered on federal Do Not Call list. Message sounded like a scam. There was NO phone message other than a claimed debt which was NOT described. The number appears to be identified on XXXX XXXX XXXX AND XXXX as a SCAM. TSC is identified as the entity originating the call. NO documents have been received or referred to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Selene Finance LP is the service company for FHA mortgage originally produced by XXXX XXXX XXXX XXXX XXXX  XXXX. I am the third party purchaser, assigned by a court order on XX/XX/2018 in XXXX County Florida. 
After properly service Selene Finance with proper court order, deed and original loan documents, I have made several calls in order to obtain payoff amount and to make a payment. I understand this property is in default, but as a third party purchaser ( and a finance company on its on ) we had nothing to do with the default on the loan and now trying to correct it. Selene Financial keeps ignoring the documents provided to them and will not give any information regarding this mortgage or allow us to make a payment towards the account. Their claim that they did not received the documents is false and can be easily proven. Selene Finance is not motivated to assist in resolving this mortgage for obvious reasons, the property was sold right under them while they still has interest in it. However, there is no reason why now, they could not provide the proper information is outlined by federal law. I have advised the agent at Selene Financial on every phone call that " This call is on a recorded line '' they acknowledged that the call may be recorded and yet kept providing extremely hostile response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: VA

Complaint narrative:
The following inquiries are showing on my report in which I did not authorize. Please remove them as they are impacting my score : XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Twice in one day? 

XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Electronic payment made. Bank of America accepted payment, then, although the payment had cleared my bank ( over {$4600.00} ), BOA put a payment processing hold on it and continued to charge interest. 
Call to BOA was frustrating ; they said they would call my bank to verify funds. This was an ACH payment. If funds had not been good, it would have reversed immediately. The bank knows that. 
If the practice of placing a hold on ACH payments is not illegal, it should be. 
Since banking system involved ACH, payment initiated on the XXXX that cleared on the XXXX would be well known to the bank. Except BOA is well known for trying to rip off customers.

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 2018-04-20 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: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma advertisers that you can check your credit report for free and this does not affect your credit score. I received a letter from XXXX who ran my credit history and they sent me a copy of my credit history which is showing among the negative history Two incidents list of credit inquiry. Their commercial is false and misleading. I went to Credit Karma online and did in fact notice the credit inquiries and also learned that these inquiries stay in my history for 2 years. Discovering this, I believe that these inquiries are in fact affecting my credit score and therefore is contrary to credit Karma 's advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: OH

Complaint narrative:
XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( TransUnion, XXXX, and XXXX  ) in  XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like 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 2018-04-20 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: OH

Complaint narrative:
XXXX Account # XXXX was opened onXX/XX/XXXX The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( XXXX XXXX and Equifax ) in XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 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: ALLY FINANCIAL INC.

Complaint narrative:
Credit Report Inquiry Made Without My Permission

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 2018-04-20 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: CA

Complaint narrative:
Hello I have been for the past 3-4 months have been disputing inaccurate information on my credit report with XXXX Transunion, XXXX. I have sent in several letters asking to please properly validate these inaccurate negative items on my report. XXXX, Transunion, XXXXhas FAILED to do so. I feel as if XXXX, Transunion, XXXX is conspiring with these collection agencies to defame my name! It's been MONTHS and nothing has changed. I have consulted with an attorney and before I retain his services I would FIRST like to see if XXXX  Transunion, XXXX and I can resolve this issue without having to see a courtroom. I will await XXXX, Transunion, XXXX response before I disclose any of my personal 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