vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 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: DE

Complaint narrative:
I graduated from XXXX XXXX in XX/XX/2003 with approximately {$92000.00} in Federal Loans with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). XXXX was my servicer, but then Navient appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ). Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with XXXX XXXX, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX  working in a low income school district which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXXmo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
To Whom It May Concern : I have tried calling into Navient multiple times and dealt with excessive hold times for over an hour. Every time a representative would pickup they would say, I wasnt in the correct department for student loans and wouldnt be able to assist with my concern. They would put in a long hold with no assistance what-so-ever. Finally, I got so sick and tired of waiting on hold, I had sent an email with written instructions on XX/XX/XXXX requesting to have the funds that were deposited on XX/XX/XXXX for {$6000.00} be refunded back to myself. On XX/XX/XXXX, I finally got through to Navient and I directly spoke to a representative in the private loan department. I explained my situation to her and was told that she would get this over to the payment department and they would then reissue a refund back to myself. I should be getting a refund check within ten days. I waited over that period and still  havent gotten my refund. This situation has become an ongoing problem with them. I keep on getting the runaround without any assistance. They responded back to my email on XX/XX/XXXX telling me that my concern was already addressed on the phone conversation on XX/XX/XXXX and nothing else was needed. Basically, all that Im requesting is that Navient due its due diligence and issue myself a refund check for the amount that I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Please see below a copy of the letter I sent to Belk XXXX. XXXX XXXX XXXX FL XXXX, regarding an account that is still reporting negatively on my credit reports. 


Belk XXXX. XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX Belk, Please see attached a copy of the letter sent from XXXX. XXXX XXXX whom represents XXXX XXXX XXXX XXXX ( Office of General Counsel ), this is whom this Belk, account # XXXX, was sold to. 

Please see the highlighted areas on the letter that indicate that they have sent notification to have the account removed from my credit file. As of XX/XX/2019, Belk is still showing on my credit file. I am requesting for it to me removed immediately. 

XXXX XXXX XXXX ** I have attached a copy of the letter from the office of the general counsel**

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 2019-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I went to XXXX XXXX XXXX  on XXXX19. They had hard inquiries placed on my report repeatedly without my consent..The first was Capital One Auto Finance and the other was XXXX XXXX XXXX.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/19. They had hard inquiries placed on my report repeatedly without my consent..The first was XXXX XXXX XXXX   XXXX  and the other was Santander Consumer USA.They never said a word to me about either of the two .I dont even know how they did it if I wasnt there to agree to it.This one done on all 3 bureaus XXXX, XXXX, and XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been disputing Interest fees from commenity bank for credit line from XXXX XXXX since XX/XX/2015. The furniture cost {$4000.00}. I have paid {$4000.00}. However, they continue to charge me interest and fees that have totaled {$4900.00}. 
The charge is inaccurate, false, incorrect and I refuse to pay this. They just keep charging me despite me disputing this charge. XXXX has even confirmed these charges are inaccurate. I need to crease these charges immediately as it is drastically impairing my credit. This cant be lawful or just. Please help me with this I dont know what else to do. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Received a robo call from portfolio recovery after I had already come to an agreement to settle this debt. They said my file had been reviewed by an attorney and that I still owed the balance that I had settled. They had not updated their system and had not any of what they told me they would do after I submitted payment. When I spoke to a supervisor, they said it was my fault because I had not given them ANOTHER call after the payment cleared for whatever reason that they never gave me. This is still showing as active on my credit report and they did not know when that would be taken care of

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My information was stolen when the data breach occurred and I had my credit report Frozen as per the identity theft.gov website. 

I have been trying to get my Equifax credit freeze lifted and can not successfully interact with a company. 
After I answer the challenge questions and identify what the issue is their computer system forwards me to a customer service representative at a toll free number ... the customer service representative ask me the same challenge questions that computer did however they go on and ask additional questions that I can not answer.. The attached letter that was subsequently notarized and sent to Equifax via certified mail explains this. 

I need to have this credit freeze permanently lifted so I can continue on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have two capital one credit cards ( XXXX & XXXX ) that show closed and paid on all my credit reports in CLOSED ACCOUNTS.I have disagreed and tried many times to have these two accounts removed/disputed from all credit reports.The one account opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill the payment agreement and capital one stopped and closed the account.After they did that, I called capital one in XXXX for arrangement to pay the remaining and negotiated deletion if I finish paying of this account on my credit report which capital one did not fulfill there end of the bargain.As of XX/XX/XXXX, its on my credit report under closed accounts on all three reports.The second account was opened in XX/XX/XXXX and closed by creditor in XXXX because I could not fulfill my payment obligation.In XXXX I called capital one to arrange payments to pay off credit card and in return the remove this account from all credit reports which they agreed on.As of XX/XX/XXXX, its still on all credit reports under CLOSED ACCOUNTS.I made several attempts to get these accounts removed.There statements and comments are false.Capital one will not cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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.

Complaint narrative:
On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Moneygram international is discriminating against me and my family in their respective countries of residence at this moment.At the federal level moneygram violates DODD-FRANK the law of the land in the United States.Additionally my state, California has a much more strict interpretation of DISCRIMINATION in the provision of financial services available to the public at large.This offense according to my governments is one and possibly the most serious offense a financial company can commit.It is in a class of its own and is far more serious than theft, for example. 
On XX/XX/XXXX Moneygram denied a transaction between me and my step-son XXXX, a transaction of XXXX dollars from XXXX XXXX XXXX to XXXX XXXX, XXXX, where my son XXXX is employed as an XXXX XXXX XXXX, XXXX XXXX. 
Afterwards in a call to moneygram they explain they are following some nebulous law of either country..moneygram will have to prove this. 
Moneygram instructed CVS via computer to not process the transaction.there were photos taken of the computer screen which are listed but not attached in the accompanying attachment. 
REGARDLESS of any CFPB action in this complaint or criminal action on the part of XXXX   AG ... .I am bringing a well thought, well planned, well -evidenced civil action against Moneygram intl prior to the 1 year statute expiration and plan on being represented byXXXX an international llaw firm who will stay with this case to the Supreme Court level if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

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 2019-03-24 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: Experian Information Solutions Inc.

Complaint narrative:
On XX/XX/2019 XXXX discharged my student loans and directed XXXX to remove my student loans from my credit reports. However, when I contacted XXXX they stated they do not service my loans and have no information on the loans. I contacted XXXX and XXXX informed me XXXX does service the loans but on the back end. I informed XXXX of this information and was told to submit a dispute through the credit bureau. When I did this the credit bureau stated that the creditor verified the information as correct and therefore refused to remove the information from my credit reports despite me giving them the letter from XXXX stating I am no longer responsible for the loan per its response to the CFPB.

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 2019-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: AZ

Complaint narrative:
FALLOW UP TO COMPLAINT # XXXX. IT IS NOW XXXX AND I HAVE NOT RECEIVED A REFUND FROM THE MONEY SOURCE ( TMS ). I RECEIVED A PHONE CALL FROM TMS TELLING ME THEY HAD RECEIVED MY PREVIOUS COMPLAINT AND HAD ALL THE INFO TO MAKE A REFUND AND I WILL CALL YOU BACK TO DAY AND CONFIRM. LIES!! WE WILL OVERNIGHT MY REFUND. LIES!! LIES!! LIES!!. THAT BEING THE # 3 LIE!! THE CHECK IS COMING SOON. IT'S ALMOST TIME TO MAKE A NEW PAYMENT. WHAT TO DO!!!!!!!!!!! I'M XXXX AND XXXX   ON A FIXED INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I paid Experian XXXX XXXX XXXX {$79.00} a year for during the past 3 years. They advertise that " they will notify you if your social security # has been compromised ''. They totally missed it when I had an IRS data breach either via my tax person or the IRS itself as she states that they were breached 4 times last year. 

Anyway, XXXX XXXX XXXX I have evidence that they advertise they will notify me if my soc Sec # would be compromised. THEY did not. When I contacted them XX/XX/2019, I told them the situation and said " why did this happen? '' They laughed in my face! I asked " excuse me, may I have a refund of the rest of my membership please as obviously it did not work? '' They responded with " sorry no refund '' in a male voice still laughing at me. So for being their customer for more than 3 years l find it extremely disappointing and terrible that I got treated like that. I definitely need to make a complaint against them and their " false advertising '' it seems like to me. 

The next time I contacted the company on a different day, they said they will be making me a refund of {$32.00} and some change ( approximately ). I asked them about identity restoration and they responded with " we just sell these plans, we are not investigators. '' I still to date of this writing have not seen any refund on my account they charged ( 37 days ago )

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 2019-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
This {$620.00} debt was placed on my credit report XX/XX/XXXX. I have been fighting this debt since XXXX. The companies involved are Phoenix Financial Services and XXXX XXXX XXXX XXXX XXXX they have placed this negative remark on my credit report and I had health insurance through the state of Georgia and there should not be a unpaid medical bill on my behalf. There are two separate negative remarks totaling to {$1200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My interest rate increased from 16.15 % to 20.15 %, without any notification of this in advance. 

After calling in twice ( the first time the call was disconnected from the companies end ) I was told the 16 % interest rate was a proportional Offer, and no interest rate other than what was originally given upon account opening is permanent. This is an unfair practice, given that I first opened this account as a college student, with little credit history, so that interest rate would be higher than those at the same Credit level I currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
On XX/XX/19 I paid Western Union a fee of {$0.00} to transfer {$84.00} from my checking account to another persons checking account. Western Union withdrew the money from my checking account, but didnt transfer the money in the 6 business days that they promised to do it. Therefore, on XX/XX/19 in Spanish and then on XX/XX/19 in English I sent email messages and by phone requesting the cancelation of the transaction and the return of my money. 
Western Union replied stating To continue processing your request and since the receivers ID copy can not be provided, please supply the following information about your receiver : o Full legal name : o Gender : o Date of Birth : o Country and City of Birth : o Relationship between sender and receiver : o Purpose of the transaction : o Occupation : o Residential Address : o Explanation why ID copy can not be provided : o Name of the person submitting the letter : On XX/XX/19 in an email I stated to Wester Union that I already answered the receiver information in their sending money form. If more information was required why didnt they ask for it before withdrawing the money from my checking account? In addition, I dont see why I should answer more questions regarding the receiver since I was canceling the transaction. 
It seems to me that Western Union just wants to keep/steal my money. I wonder if there are more people in the immigrant community who, due to their English language limitation, are not able to fight their dubious business practices.which it appears that then Western Union profits illegally from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
After several attempts to rectify the situation and supported documents, Experian refuses to change to report. Most of which have " ND '' which means NO DATA?

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 2019-03-24 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
After several attempts to rectify the situation and supported documents, XXXX refuses to change to report. Most of which have " ND '' which means NO DATA?

Company response to consumer: Closed with explanation