vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I spoke with XXXX ( XXXX ) who advised me that your organization is unable to negotiate a settlement on the debt because the account is in process to be sold to a Collection agency. I had him verify that it isnt sold yet. I then explained to him that ownership of the account still belongs to Capital One and this procedure makes absolutely no sense as you should have the power to determine what youd agree-upon settling for since the ownership of the account is still with you. I escalated the call, spoke with XXXX supervisor, whom I was unable to obtain her employee ID, who proceeded to reiterate the same information. 

I should not have to wait until you find a buyer for the debt in order to clear this balance off with you. I will be escalating this matter to the Consumer Financial Protection Bureau, stating my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCBA Inc.
State: CA

Complaint narrative:
XXXX has failed to validate a debt reporting to my credit report in the amount of XXXX. I sent out a validation request in XX/XX/XXXX and again in XX/XX/XXXX in writing by certified mail. As of today they 've failed to validate this debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have a past due loan through XXXX XXXX/Navient which is in collection with XXXX. I recently checked the Navient website and discovered that they have the original K-12 loan categorized as a Higher Education loan. I requested copies of the original loan documentation as well as the interest rate history. I received two copies of the loan documentation, but no interest rate history. The loan is a variable rate based on a published rate. 

I reached someone at XXXX on XXXX XXXX. After disputing the categorization of the loan and the interest rate history ( until verified ), I was told that XXXX has no information or control over either. A manager then came onto the phone ( I did not request a manager, XXXX XXXX XXXX and after " splaining '' to me that Navient is a regulated company and surely it could not have made a mistake or an intentional mistake with the interest rate, he said that in fact XXXX could provide the interest rate history but only with a letter accelerating the balance due. ( They would not provide the interest rate history if I wanted to avoid acceleration. ) This was a blatant threat : do not request the interest rate history or we will no longer accept partial payments. 

Notwithstanding contractual rights, which they could have exercised at any time, I consider it an unfair practice to refuse to respond to a legitimate request for information without threatening to exercise a contractual right that they have chosen not to exercise for quite some time. Probably because I 've been making payments roughly equivalent to accrued interest. But were they charging the correct interest rate? I guess they will have to prove that in court when they sue me. Any class action lawyers out there who have heard of similar complaints?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
Opened a home equity line of credit with US Bank in XXXX of XXXX. At the time I opened the credit line the representative at the bank said that in order to make payments on the line of credit I needed to open a checking account with the bank, transfer or deposit funds in the US Bank checking account monthly, and set up the equity line to automatically withdraw from the checking account to make the payment. I had no desire to sign up for a checking account, as I had no intention of moving my other banking to US Bank and did not want the hassle of maintaining and transferring money between multiple accounts, but did so anyway at the behest of the branch employees insisting that it was necessary to make the monthly payments. 

I made timely payments throughout the remainder of XXXX and into XXXX. At some point during that time period the branch employees encouraged me to downgrade my checking account from platinum to gold, to avoid fees for not carrying a large enough balance in my checking account. I told the branch employee that set up the checking account that I only intended to maintain enough of a balance to pay the equity line payment. Selling me that checking account in the first place was a mistake given that I never intended on carrying a $ 25,000+ balance. I made the change and continued to make my automatic payments to my equity line. The branch employee failed to inform me that the change in checking account type ( which I never wanted in the first place ) would result in an annual fee being added to my checking account. When the annual fee was charged it caused my checking account to have insufficient funds to pay my equity line, despite the automatic deposit into the checking account that I never wanted. 

The cascade of this ( starting in XXXX of XXXX ) is that I have been charged hundreds of dollars in overdraft fees for a checking account I was coerced into opening ( that was closed by US Bank ), been charged late fees on my equity line and given a 30 day credit late for a late payment on my equity line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26 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: Screening Reports Inc.
State: MI

Complaint narrative:
Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I needed help on getting loans cancelled by XXXX who is now closed. The company stated that they could n't help me and asked me to continue to pay those loans. No other help was given. Suggested that I defer loans instead but failed to tell me about interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: MN

Complaint narrative:
Let 's go back over the past year. Up to 10 calls a day from NAVIENT regarding a co-signed loan for my son. His loans are in a RRP ( rate reduction program ) with the exception of this one his mother has co-signed. When asked to put this loan into the rate reduction program he was told it needed to be 60 days past due and to tell his mother to not make the next two payments. We can provide names and dates is you can take this further. She let the payments go for the 60 days, and then we called about the RRP. We were told that this loan was not eligible for the RRP. So who is correct here. Called them again yesterday X/XX/17 with my son to discuss. We were told the loan was eligible for the RRP but son needed to file a financial statement. He stated he filed one in XXXX but was told that was too old. He asked the Navient rep to pull up his financial statement but he declined and said my son would need to file a new one before they could do anymore. So now my wife 's credit report reflects a default on a student loan that they NAVIENT ; issued instructions and we followed them but guess what that got us. A BIG DING on our credit. Now my wife has been attempting to pay the monthly statements and has done so for over a year but was diagnosed with XXXX XXXX in XXXX of last year amassing medical bills of around 85,000. We do n't have to pay it all as we had insurance but the deductable and out of pocket was around 19,000 which we are paying at this time. Back to NAVIENT. They called again today four times ( I am blocking the numbers now ) and some lady named XXXX attempted to collect again. I stated that we were in communication about a RRP plan and had nothing more to say until that is taken care of. This organization causes nothing but stress, hardship, and more. There is nothing one can do and they know it and continue to harass the heck out of us. Now ; if I have to get my tribal attorneys ' involved I will as a XXXX XXXX I get free legal representation. These people need to be held accountable for the actions they take. These loans are at 10.75 %. Highway robbery ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Few years ago i found out that my identity was stolen several years ago and several credit account were open under my name.I start my own investigation to see what happen because I was very upset and my credit was totally ruined.When I was student I was every summer going to seasonal city as XXXX XXXX MD.Everyone in USA who knows that city know that it is seasonal place, and people go there only for summer to work.When I was there during those years, I was living with 8,9 different roommates from everywhere and always they were changing.So during that time I don`t know how someone stole my identity and opened several accounts under my name and start using it.At that time since i had zero knowledge about credit I had no idea what`s going on, and after several years I find out that I have several collection accounts on my credit.I Then I called to credit bureaus and they told me to go and get a police report.I went to XXXX XXXX police department filed a police report and send it to every credit bureau with those account numbers.Everything was deleted from my report except 1 Bank of America account only in XXXX.
Its been almost 2 years i`m fighting with them and they are not trying to help me at all. 
I did everything what they ask, I send every document possible but they don`t wan na do anything.I`m really tired of this situation.This is ruining my life.I have successful business, i have great future plans but this fraudulent account not letting me to do anything.Please help me to resolve this issue.Your guys are my last hope.Bank of America doesn`t wan na do anything.

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 2017-09-26 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: CORELOGIC INC
State: MI

Complaint narrative:
Unauthorized Credit Inquiry XX/XX/2017 XXXX XXXX, CA 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 2017-09-26 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: CORELOGIC INC
State: MI

Complaint narrative:
Unauthorized Credit Inquiry : XX/XX/2017 XXXX XXXX XXXX, CA 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 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: MN

Complaint narrative:
This is stemming from a few complaints back in XXXX 2017. All in all i was lied to several times over the phone by Flagship Credit Acceptance representatives to coerce a payment from me. I was lied to about their policy of access to the online portal to make payments. To this day i have NEVER been able to make a payment online through their portal, even when i was current. I was lied to by reps about what information i would need to login online, and whether or not i would have access. FCA violated several provisions of the CFPB ( UDAAP ) but using false and deceptive tactics to coerce an individual into paying them money by lying to the consumer and misrepresenting the status of the debt and status of the ability to make a payment. 

Since XXXX I have been trying to make a payment online, and be treated fairly like the other customers of Flagship and setup recurring payments. I have not been allowed to do that by Flagship which is discrimination. Others have the ability but i do not. I have not been able to make any payments for a few months due to this. 

Their entire system models XXXX XXXX 's corrupt system. It seems they are intentionally not allowing me to pay online so that i do not make my payments and they can charge late fees and " per diem '' interest rates daily to make more money. This company is wildly abusing its power as a lender in the USA. This should not be allowed. They then preach you can call in over the phone, but their reps harass you and threaten to repossess the vehicle the next day as a tactic to coerce payment, ( its happened to me several times, so i no longer call because i get abused when i do. )

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 2017-09-26 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Unauthorized Credit Inquiry XX/XX/2017 XXXX/XXXX XXXX, FL 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 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I have been working at a not-for-profit mental health agency since I got a XXXX XXXX in Counseling in XXXX. The XXXX XXXX XXXX XXXX XXXX was created in XXXX. Through the years since the PSLF program 's inception, various employees of my loan servicer, MOHELA, told me that I was on track to receive the XXXX XXXX XXXX because I was on an income-based repayment plan. My 10 years of XXXX XXXX for the student loan forgiveness should be up next month XXXX XXXX, XXXX ). However, earlier this year ( or the end of last year ), a MOHELA employee told me that none of those 10 years will count because I have XXXX loans and not Direct loans. Furthermore, I was told that I was XXXX and have been ) ineligible to transfer my loans into Direct Loans because I had consolidated my loans in XXXX or XXXX ( to lock in a lower interest rate ) and that only XXXX consolidation is allowed during the lifetime of the loan. They also let me know that the years before XXXX that I was on Hardship Deferment or forebearance would not count toward the 25 Year XXXX, either. No one had ever told me that. I was very, very angry about all of this- to say the least. 

Then, a few weeks ago, as I was doing my annual income-based renewal via phone with MOHELA, the MOHELA representative told me that I AM ( AND HAVE BEEN ) ELIGIBLE TO CONSOLIDATE MY LOANS INTO A DIRECT LOAN FOR THE PUBLIC SERVICE LOAN FORGIVENESS PROGRAM- EVEN THOUGH I CONSOLIDATED BEFORE. 

So now, even though I did my 10 years in XXXX XXXX for the forgiveness, I am now starting again from scratch. I am in the process of consolidating my student loan into a XXXX XXXX. My {$56000.00} student loan will now accrue interest for another 10 years that I will be responsible for if the program is n't in existence in 10 years or because the information I am given by my loan provider 's employees over the next 10 years is inaccurate again and I am not really eligible for the program. 

Also, I have been informed by MOHELA that, as a result of consolidating into the Direct Loan Program, my years of qualifying payments toward the 25 Year Forgiveness will be erased and reset to XXXX. This means that if I do n't do another 10 years in XXXX XXXX, I will have to do many more additional years of payments to qualify for the 25 Year Forgiveness. My monthly student loan payment will also be higher than it was the past 10 years due to my XXXX dependents becoming adults and leaving the household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: WV

Complaint narrative:
They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a BMO Harris Smart Advantage Account on XXXX XXXX. There was an offer that I would receive a {$200.00} bonus if the new account received two qualifying direct deposits of at least {$300.00} or more within 90 days of account opening, and once that happened I would receive the bonus within 120 days. The deposits were made successfully in XXXX. When I called in XXXX to ask where my bonus was, they stated I had to wait at least 120 days. When I logged on to my account on XXXX XXXX to check if my bonus had posted, my account had been closed by BMO Harris. When I called and asked why, they stated my account had been dormant for 45 days and  that they closed. When I showed them that in the account disclosures a dormant account is classified as 3 years of inactivity, they said they could close my account at any time for any reason. I spoke with XXXX and XXXX XXXX in their call center. I find it extremely fraudulent for a bank to ensure you that you 'll receive your bonus in 120 days from account opening, and then close your account days shy of passing that boundry. Especially after calling and confirming that the bonus terms were met. I 've attached copies of my online statements showing the deposits were made, and when they closed my account. I also included the terms of the account that outline an account can be closed for dormancy reasons after 3 years.

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 2017-09-26 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: AR

Complaint narrative:
XXXX- credit inquiry unauthorized XXXX XXXX- unauthorized inquiry more than once. 

XXXX-unauthorized inquiry XXXX XXXX unauthorized inquiry more than once. 

XXXX unauthorized inquiry XXXX XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry XXXX- unauthorized inquiry I have contacted each creditor they all have told me to contact transunion and transunion keeps telling me to contact the creditor.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This summer I rented a car through XXXX and they told me my credit rating was XXXX and rented me the car without a credit card. I also applied for a loan this spring and got it with no problems. Last week my credit rating was reported as XXXX on XXXX. Yesterday, I got a loan rejection from a credit card company who said my credit rating on Transunion was XXXX. 

What 's the point in having the ratings if they are so divergent?

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 2017-09-26 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: TX

Complaint narrative:
There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!

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