vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am a XXXX. I have XXXX for 13 years. The last 6 years of my XXXX career  have been at 2 low income XXXX. I applied for XXXX loan forgiveness through my 2 current lenders. I owe about {$1000.00} to XXXX and about {$3000.00} to Navient. The loan forgiveness act allows up to {$5000.00} to be forgiven when certain criteria are met. I have met the criteria. I applied for forgiveness at both XXXX and Navient because the combined amount is less than {$5000.00}. I sent in the applications last summer ( XXXX 2016 ). The forms were exactly the same. The one sent to XXXX went through with no problem. It is currently with the Department of Education awaiting approval. Unfortunately, the same ca n't be said for Navient. I turned in the same form to Navient and they denied because the principal wrote the name of the XXXX as XXXX XXXX, but on the XXXX Cancellation Low Income Directory it was listed as XXXX XXXX. I called Navient and told them that there are hundreds of XXXX on the list that say XXXX. and that it is a common abbreviation for XXXX. The supervisor I spoke to then said that it would be ok, but that I marked a box incorrectly in another section. She told me how to fix it and then I resubmitted it. About a month later I got another denial letter, but this time it said that the service date was written incorrectly. It said it had to be written as mm/dd/yyy. However the service dates were written correctly. Instead where the XXXX  signed and dated it she wrote the date as mm/dd/yy. I called several months later because the XXXX year was underway and that is a very busy time. When I called Navient and complained, again, after almost an hour on the phone they said they would resubmit the application. That was a couple of weeks ago. Today, I got a letter saying that my application was denied because my current employee wrote my service dates as mm/dd/yyyy to current. They denied it because it ca n't say current that it must have a date. I called again. I told them that they should have told me everything that was wrong with my application from the beginning. They just seem to keep picking some tiny thing to deny it each time. I also told them that the same application was sent through XXXX with no problem. I have been told that I need to fill out a new application to resubmit. I am beyond frustrating and feel like I am getting the run around. I feel like they are just trying to get out of the forgiveness so that they can get more money is interest from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have an account with Wells Fargo, I got money on  XXXX / XXXX /  XXXX  ,  XXXX / XXXX /  XXXX   and  XXXX / XXXX /  XXXX  , when I saw my account on  XXXX / XXXX /  XXXX   I had not money on my account!, I made a report to Wells Farg o ( t hey took {$300.00} ), f that were disappear from my count, they said I got the money on  XXXX / XXXX /  XXXX   and after it they said a different date they said  XXXX / XXXX /  XXXX  , but I did n't do this transaction!!, Wells Fargo took {$300.00} dollars from my account!! I was saving this money for my  XXXX  mortgage payment!, they still telling me I made the transaction. but I did n't do that, I want to make a complain because they stole money and does n't wants to be responsible by they actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : XXXX account XXXX To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Paypal refuses to fix their security algorithm that keeps flagging my account every time I make a payment. I literally need to call them every single time I need to make a payment through them and basically ask if it 's ok. They are not my bank and all of them have no idea why PayPal is doing this to me. I have proven my identity every time I have called to the point I have no more information to send them. They literally took every drop of personal info I had and still was n't enough. They are acting in control of my own money when they have no legal right to. I have to call them 20 times in one day to do business on XXXX. Every single online transaction needs their approval. Why. Who do you guys think you are. It is literally costing me money to deal with you guys because your own failure as a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Re : Chase account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : XXXX account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re :  XXXX   XXXX  Account #  XXXX  Experian I would like to dispute the validity of account   XXXX    XXXX   XXXX .   I continue to dispute the validity of this account. I request any and all information use to open this account.I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence?   Thank you Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these companies

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 non-monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: TX

Complaint narrative:
My husband forwarded this complaint XX/XX/XXXX, and we have n't heard a word from anyone. I am unable to work, and my husband is a XXXX veteran unable to help me get out of debt with a school loan for our son through AES. He owes over {$70000.00}, and I owe over {$12000.00}. I am also responsible to pay restitution for XXXX charges in XX/XX/XXXX. I served time for the offense, but the courts say I still owe {$200000.00} to the insurance company. With my husband on XXXX, and I am unable to work because of XXXX XXXX, XXXX XXXX injury, and recently XXXX XXXX ; we are struggling to make ends meet. I feel I served my time for a bogus XXXX charge, but we were over matched and a lawyer who basically sold her down the river. The charges stemmed from, what they call, misuse of credit cards. The cards were issued to me when we moved to XXXX Texas to help offset my commute 200 miles a day to work. This was in XX/XX/XXXX, and they terminated me XX/XX/XXXX. The executive who issued me the cards quit and started up his own oil company in Colorado, but we had no way to find him. I think I also took the fall for others taking money from the company. I know of 1 woman who took {$60000.00}, but she quit before they could actually prove anything, or they just wrote it off. This was only 1 person they had suspicions of, there were others. With my health, I do n't know what we can do. We just do n't have a way out ; do you have any suggestions? Thank you for your time and consideration, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
Medical office has no record of me visiting doctor yet still turned over erroneous bill to Credit Consulting Services. Request for debt validation sent on XX/XX/16 went unanswered. Nothing was sent by them to my address nor was it received. Without validation there is no proof that the debt is mine. I have never had any medical reason to visit an XXXX XXXX -- no XXXX XXXX, no XXXX, etc. I have never received a prescription from this doctor office either. If so, they should provide a copy. My identity was stolen at that time, someone impersonated me and I want to clear my good name. There is no other explanation. Please make all efforts to remove this erroneous debt from this unscrupulous collector.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.

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 non-monetary relief
Consumer complaint received 2017-07-03 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: VA

Complaint narrative:
I have contacted XXXX, about a unauthorized inquire showing up on MY XXXX and Trans Union credit report back inXX/XX/XXXX. I have reached out to XXXX several time from XX/XX/XXXX toXX/XX/XXXX with no resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind. <P/>I have been a victim of Identify theft twice within the past 10 yrs. I have contacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all 3 credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CO

Complaint narrative:
I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from XXXX XXXX XXXX. One of these credit cards were accepted by XXXX XXXX for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, XXXX XXXX refused to discharge these cards and have sold the account to Portfolio Recovery Associates who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between XXXX XXXX and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XXXX 2017, XXXX XXXX XXXX sold my mortgage loan to Nationstar with mt first payment to Nationstar being made in XXXX 2017. Nationstar is showing account delinquent for XXXX 2017 which XXXX XXXX collected. All payments were made to XXXX and transferred to Nationstar during the course of lender transition. Nationstar was provide all documentation by XXXX XXXX reflecting that my account was current. Nationstar / XXXX XXXX called me in mid XX/XX/XXXX apologizing for the error and indicated my account would be corrected. However, that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OR

Complaint narrative:
Key Bank Charged my account an overdraft fee of {$37.00} on XXXX XXXX, 2017 when my balance was {$2300.00}, after all items for that day had been processed. They refuse to refund the charge, or explain why they charged an overdraft when there were sufficient funds in the account. <P/>Account name : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
About XXXX XXXX, 2017 I left XXXX with 1 XXXX dollars to invest in Bank of Americas Merril Edge in  XXXX XXXX, staffed by XXXX XXXX XXXX who vetted me for 2 hours with my administrator and her husband and informed me in 5 days he would move the XXXX XXXX to his bank. Well sir, it took this yo-yo and 8 ball 28 days to transfer 1 of the 2 accounts and then informed me that the other account could not be transferred. So, ask this bank to share with you all of the phone recordings that was advised on each call. I have spoken with 2 dozen employees of this bank with each one pitching a conciliatory solution to the woes XXXX has caused me. One employee called 5 times with the begging that I would drop any complaint on Bank of America for hiring XXXX. He wears clothes 4 sizes too small for himself, therefor my summation is he thinks he is cute. Well that is a big distraction for him and causing him to forget customer service and using XXXX untruths for sales. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL 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 non-monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from Capitol One Bank. One of these credit cards were accepted by Capitol One for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, Capitol One refused to discharge these cards and have sold the account to XXXX XXXX XXXX who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between Capitol One and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Since XX/XX/XXXX Credence Resource Management frequently harassed me in attempt to collect an alleged phone bill debt I owed. I asked them to verify the debt, they ignored the dispute letters I sent and reasserted their claim I owed {$690.00} on my XXXX credit report. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XX/XX/XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report derogatory information on my XXXX credit report. Given that Credence Resource Management acted in bad faith, and have not complied with federal and state laws, I told them I will seek damages against Credence Resource Management seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
Someon e one u sed my credit applied for a fraudulent loan with Santander in     XX/XX/XXXX . They 've changed my date of birth with my credit report  XXXX . My former employers have been changed on my credit report. All of my former addresses have been changed. Social Security had to write a query for me with my EIN numbers for my former employers from  XX/XX/XXXX - XX/XX/XXXX . My drivers license have been stolen, social security card stolen.   XXXX   refuse to correct my credit report. They 've allowed someone to place a seven year fraud alert using fraud information. I ca n't provide  an account or loan number. All of my mail was being stolen through The United States Postal Service. Santander refused to speak with me after I did n't give my consent to anyone. Someone called me from Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.

Company response to consumer: Closed with explanation