vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I should not have to stay with a variable interest rate. I have attempted to apply repeatedly to a lower interest rate. I have been continuously denied with no explanation as to why. When I call customer service, they ask me questions regarding income, and then tell me that I was denied, but they do not state why. When I have asked, they have stated that they are not sure why, I was just denied. I have never missed a payment, my lowest credit score is XXXX, and I have excellent credit history across every account I have had with any company. I deserve a fixed interest rate at a lower percentage. 

The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ). I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. 

I am currently a licensed XXXX XXXX  and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX XXXX at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. 

I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. 

Principal Current balance Variable interest rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
On XX/XX/2021 a person on behalf of Mandarich Law Group , LLP taped a court summons to my door ( see uploaded videos dated XX/XX/XXXX ). On XX/XX/2021, the same company had a letter sent by certified mail without a signature requirement ( see uploaded video dated XX/XX/XXXX ). 

I was improperly served and do not owe the Mandarich Law Group money. Furthermore, any debt owed is being paid to the creditor who initially extended the debt. 

I have proof to payments to creditors that I am willing to share with CFPB upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
I utilized QuadPay to pay for a credit repair service. The credit repair service never returned phone calls and emails. I emailed QuadPay and they agreed to refund my money with 13 days. I am still waiting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Unauthorized charges withdrawn from my Wells Fargo savings account to a company called XXXX for a total of XXXX. Two transactions on XXXX for a total of XXXX dollars and XX/XX/25 total XXXX and XXXX. Total withdrawals XXXX. I emailed XXXX  got no response. Contacted Wells Fargo filed a claim number 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 2021-04-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}, {$16000.00}, {$0.00}, {$210.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The XXXXredit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I have these fraudulent inquries on my profile. My identity has been stolen. They have been removed from the one of the bureaus, but not all. These fraudulent inquiries are hurting my credit. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: TX

Complaint narrative:
The Califonia Business bureau has committed various deceptive and egregious acts to attempt to extort me into paying this debt. Firstly they have listed it on my credit report as several collections instead of one to attempt to ruin my credit. Secondly they have never provided any signed document, a copy of my id at the date of service or any such agreement saying that I would pay this debt. Thirdly when I called them to try to resolve the collection without going to court they asked for my " social security number to look up my account '' Once I gave it to them innocently the collection agent on the phone said we will never take this off your credit report and said now we have your social security number so you cant get out of this. It has been a terrible experience and this is my final step before pursuing legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: DISCOVER BANK
State: GA

Complaint narrative:
I have been disputing this debt constantly, I've noticed that it still remains only on one credit bureau which is XXXX. I have disputed it from all different aspects just to have it removed. It is not my debt and it is beyond a old debt I have continuously dealt with for years now. I've asked for contracts, verbal consent and still I have only received statements in the mail from Discover. I have asked for any contracts with signature attach to prove this is my debt. I have also sent the credit bureau all of the evidence I have, such as ; XXXX XXXX XXXX different statements with ( XXXX XXXX different balances attached to them as well. One was in the amount of {$5200.00} from XXXX. Second statement amount was from XXXX in the amount of {$6800.00}. Third statement was in XXXX at {$7500.00}. This alone would make most question the validity of this debt, and especially when it isn't your debt. I am still awaiting evidence that says I am responsible for this debt. Also the statues of limitation has expired on this debt that pertains to the state laws in GA. It says this account was opened in XXXX. Discover continues to send letters stating that they were provided with name, address, and other identifying information. I have yet to see any of this identifiable information, contracts etc. Please HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
in XXXX I changed to Select Port Folio Servicing as my lender. Shortly thereafter, I received a call from the mortgage company stating that due to my excellent pay record I was entitled to a decreased in my mortgage by {$1200.00} if I answered a series of questions appropriately. I then did so and was told I could pay the reduced amount immediately. Several months later I received a letter from the mortgage company stating that my loan was delinquent. I then was given the amount to bring the loan current and I paid this amount. Later I was given forced place insurance because they could not verify my homeowners insurance without adjust. I attempted to modify the loan multiple times and was eventually told that the investor declined my modification. Then later I went to mediation where I was told if I paid XXXX per month the loan would be current. I made this payment for XXXX  months and told that the XXXX th month payment was 1 day late so this agreement was off. However there was not reduction in the amount that the mortgage company stated that I owe despite multiple attempts at paying increased amounts. I requested a payment history but was not sent one as of yet. Now I received a letter today on XXXX XXXX XXXX returning my last month payment and stating that if I do not pay {$150000.00} by XX/XX/XXXX then foreclosure proceedings will start. My interest rate on this loan is 6 % in this day and age where people have 1 and 2 % interest rates. Select Port Folio Servicing is a predatory lender who is trying to steal my primary residence from me. Please Help!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX  card was hacked and all my funds were stolen XX/XX/XXXX, called and made a claim. Bank of America, then processed my account as fraud and my card had been closed up until XX/XX/XXXX. I had to re submit a claim and still no word. Its very very hard and depressing to have to go through this

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 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To XXXX XXXX, Equifax To Whom it may concern my name is XXXX XXXX. I am the person who is filing this complaint on my behalf. On XXXX I sent a letter regarding inaccurate and unknown things on credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My Information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent a dispute letter on XX/XX/2021 regarding inaccurate and unknown things reported on my credit file. Til this day over 90 days later I have not received a response. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 A plainly states that a failure to investigate these items within 30 days will result in immediately removal of those items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you have cause me. In addition to this my information was impacted by the Equifax data breach and may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
The account for XXXX XXXX XXXX, XXXX went into to chargeoff on XX/XX/XXXX. Since XX/XX/XXXX it has been reporting inconsistently to equifax and XXXX. XXXX of XXXX i called to see what i could pay ... i was told i owed {$19000.00} for a c/o that is {$9600.00}. Once an account has been listed as charge off it should nolonger accumulate interest fees. They updated my account with a past due balance of {$20000.00}. On XX/XX/XXXX i sent in to both credit bureaus requesting they verify and update this information. Still both are showing inconsistencies in the balance and late payments. I was sent an update from equifax that still showed my balance with accumulated interest fees and also reported on time payments for the year of XXXX. I have not made a payment bc the balances are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NC

Complaint narrative:
The account for XXXX XXXX XXXX, XXXX went into to chargeoff on XX/XX/XXXX. Since XX/XX/XXXX it has been reporting inconsistently to XXXX  and experian. XXXX of XXXX i called to see what i could pay ... i was told i owed {$19000.00} for a c/o that is {$9600.00}. Once an account has been listed as charge off it should nolonger accumulate interest fees. They updated my account with a past due balance of {$20000.00}. On XX/XX/XXXX i sent in to both credit bureaus requesting they verify and update this information. Still both are showing inconsistencies in the balance and late payments. I was sent an update from XX/XX/XXXX that still showed my balance with accumulated interest fees and also reported on time payments for the year of XXXX. I have not made a payment bc the balances are inaccurate.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc

Complaint narrative:
They just hold my money for no reason. Even after stating it wasn't a business transaction but it was a personal gift transaction from a friend. Paypal decided to hold the money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: WI

Complaint narrative:
I federally protected consumer sent AMERICOLLECT Inc a cease and desist letter that they received XX/XX/2020 demanding that AMERICOLLECT INC cease communication through all mediums of communication. AMERICOLLECT has called me a total of 19 times after receiving my cease and desist letter. I spoke with a manager at AMERICOLLECT named XXXX XXXX ID XXXX and she acknowledge the company receiving the letter and the repeated phone calls to me. This is a violation of 15 USC 1692c ( c ). This phone calls after the cease and desist letter is a abusive debt collection practice and the pattern of phone calls indicates harassment. This is also a violation of 15 USC 1692d ( 5 ). AMERICOLLECT has removed their tradeline from my consumer reports Deletion is admission to violations of the law. AMERICOLLECT has never received direct consent from me to communicate with me on this allege debt. AMERICOLLECT also received my debt validation letter XX/XX/2020 and did not provide any of the documentation according to the law or what was requested. 

PLEASE REVIEW MY AFFIDAVIT OF TRUTH FOR MORE DETAILS ON AMERICOLLECT ACTION THAT WERE VIOLATIONS OF THE LAW. 

My complaint, demands and documentation is clear and concise. The debt collect has permission to respond via the cfpb website. As a cfpb agent, I expect that the cfpb will hold AMERICOLLECT INC to the highest standard of the law. The cfpb is in place to protect the consumer and uphold the law against abusive debt collection. Please do not allow AMERICOLLECT INC to reply with just anything and close the complaint. AMERICOLLECT INC has clearly, willfully, and knowing violated the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation