vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/XXXX I made a call into Navient to try and lower my payment but was not given any options outside of forbearance. I attempted to explain that I had paid {$92000.00} on my loans to date over the course of ten years and yet still owe them {$83000.00} to which I was given the reply, " Well, that is because your interest is accruing daily and you are on a variable interest rate loan. If you start making extra payments per month, your amount owed will decrease. '' I tried to explain, THAT'S THE PROBLEM! I can't continue to make a {$770.00} per month payment every month, especially knowing I am not even hardly touching my principal! I am XXXX and need to move out of my parents house as they are retiring soon but can not because I can not afford rent with this type of payment. My 3 largest loans are at variable 10.5 % interest rate and continue to go up every year, if not every 6 months, making them practically untouchable when I make a payment every month. I feel as though I will never get out from under this and they are not willing to budge either. 

Back in XX/XX/XXXX, I did remove the majority of my Federal Loans from them and consolidated them with XXXX XXXX, removing {$10000.00} of the debt from Navient ( if I hadn't done that, I'd still owe Navient over {$93000.00}, having originally borrowed around {$110000.00} ) How are these types of loans even allowed to consumers? I feel as though I have signed my life away, with no end in sight to this debt. I have paid faithfully since graduating in XX/XX/XXXX and have NEVER, EVER missed a payment. And when I started paying the loans back in XX/XX/XXXX, I was advised by my school to sign up for interest only payments as that was my lowest possible payment option ( around $ XXXX/month ) right out of school. I did that for 4 YEARS! It got me nowhere but into more debt! And Navient continues to push this option, which is robbery. They push only forbearance and interest-only payment options, offering nothing else to me. 

I am hoping the CFPB will investigate as to whether my payments are even being allocated correctly, because I find it astounding that I have paid Navient over {$92000.00} over the course of ten years and yet still owe them {$83000.00} at the moment. How can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has hard pulled my wife and my credit reports multiple times without our consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have tried the past 5 days to obtain my credit reports from Experian and XXXX, never having issue in the past. I havent gotten them in years. As correct the info is that i provide, I am unable to obtain them. What i have been able to contact is XXXX. I even was trying to pay for them without success. This is ridiculous!

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 2019-08-08 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: VW Credit
State: OH

Complaint narrative:
XXXX XXXX ran my personal credit multiple times without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I have debit from the hospital and the hospital send me by company collection and never this company send any letter about send to me to credit report and I have plan payment we the company but they send to me to the credit report also this account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: NY

Complaint narrative:
When I took out a loan with Navient back in XX/XX/XXXX we made every monthly payment for about a yr, My mother was a cosigner on the loan it was for XXXX long story short she had to file bankruptcy and because you can't go bankrupt on Sallie mai " Navient '' they were getting paid through the bankruptcy every month for 5yrs they had received XXXX on top of what I already paid them and for some reason when I spoke with them they didn't have clue what I was talking about even though we had proof from the bankruptcy lawyer they basically told me they didn't care what proof I had and they dared me to get a lawyer! NO JOKE!! Now after fighting with them and getting discouraged 4 or 5yrs later " present time '' I owe around XXXX on my XXXX loan! I tried calling lawyers, I tried talking to them but nobody would hear me out!! I dont know what to do!?!? I refuse to pay them anymore and because of that every month 150+ gets added to my debt! This is madness! They have ruined the last 8yrs of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Seems like I need an additional professional help to file a complaint, because abuse is continued. PayPal does not intend to stop power abuse. They created obstacles to confirm my bank account. And it is not just done electronically they confirm my actions by sending me a code on my phone. After finally my bank was confirmed, they began to create problems to transfer my money to my bank. I attached screen prints. PayPal continued to do whatever they want to do in order to keep and play with my money and make up excuses and get away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I filed for closed school loan discharge. I noted that I had withdrew prior to the school closing once we were informed of the loss of accreditation/lawsuit notice but no more than the 120 days it states..according to chapter 6 that was considered part of the exceptional circumstance and I should have still been eligible. I have also filed for the fraud discharge because they took money and forged my signature. Both applications were denied and was not given any info on how to appealthe decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/XXXX, I bought XXXX XXXX subscription from XXXX, with payment through PayPal. The advertised total cost was {$17.00} and I received an invoice that that was the cost, inclusive of all taxes and fees. 

I spoke to a XXXX representative about this over the phone, who was completely unhelpful in the matter. ( I don't remember the date of this conversation ) On XX/XX/XXXX, PayPal charged my credit card for {$19.00} for XXXX XXXX. I disputed this with PayPal, citing the discrepancy. 

On XX/XX/XXXX, I disputed the case. PayPal contacted the merchant to seek more information. 

On XX/XX/XXXX, I provided a screenshot of the in-app advertised price of {$17.00}. PayPal denied my claim. On XX/XX/XXXX, I provided the invoice email citing the price of {$17.00} from the seller. PayPal denied my appeal. On XX/XX/XXXX, I provided that invoice again, PayPal again denied my appeal. 

On XX/XX/XXXX, as per emailed instructions, I requested by post a copy of all documentation relating to my case. As of this writing ( XX/XX/XXXX ),  PayPal has not responded with that documentation. 

Yesterday, XX/XX/XXXX, PayPal again charged my credit card for {$19.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
My husband received a call from ( XXXX ) XXXX Patient Accounts Bureau on XX/XX/2019 from a lady stating that she was looking for me in regards to a past due amount of {$500.00} for medical debt. My husband has asked her not to contact him again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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: FL

Complaint narrative:
I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. EQUIFAX MTG 2. XXXX  XXXX 3. XXXX XXXX 4.  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business  days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My name is, XXXX XXXX XXXX. I have had a koals credit card with their company for a few years back in XX/XX/XXXX- approx XX/XX/XXXX, into XX/XX/XXXX when a friend of mine had added clothes to my basket with out my knowledge as we were leaving ... I assumed she had checked out and was throwing he things in with mine .... well she had not paid the sheriff at the door summond both of us and went went to XXXX. I used my credit card for all of my purchases however they were taking and should have. My issue is I was band from koals and could not come into customer service to find out what I owed or if anything, I receive a phone call after over 300 dollars of late fees and was told I would be in collections I have no idea why I was grabbed thrown Im XXXX with out the options to come to the store and pay my card as I had always done at customer services and now my CREDIT report has several delinquent payments ordering that will stop me from recieving my XXXX XXXX medications because I can not get and credit help to earn back.. I feel like this was a very mean unprofessional and I will send them to the XXXX XXXX XXXX. Thank you for any help XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I was the victim of target marketing as LOANME bombarded me and others in my region. 
The address where I live and my income would usually disqualify me from such a large loan with a large interest amount. 
Despite LOANMEs knowledge that they were targeting low income individuals with limited to no ability to keep the loan payment up to date and force default. 
All it took was one time for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles. 

I was advertised to in all areas of my life including but not limited to : Phone Calls Text Messages Radio TV Billboards Internet Streaming XXXX Ads Phone Ads Mailers All it took was one time  for me to hear one of the deceptive ads on the radio look up the info online and realize it probably was not a good idea but that is all it took for LOANME to get enough data to hit me from all angles.

Once I searched it LOANME knew. And continued to offer me the deals despite the fact I rejected the initial time I looked up the info. XXXX is one of many companies who sell information on what their end users are looking up. LOANME pays for this data.

LOANME knows that individuals such as myself who live check to check with low income and no higher education are susceptible
to hard times and will get desperate soon enough and when that time comes LOANME will be the first thing these individuals think of because of all the ads from everywhere. 

If it was just ads there would be nothing wrong with these marketing strategies, however LOANME bought data from various companies to get info on the low income individuals such as myself, so LOANME can then use that information to focus their marketing on those individuals. This is the definition of target marketing and predatory lending.

The loan was paid out to me despite the lender LOANME knowing that I would not be able to pay the terms and would be in default. 
The reason why I would not be able to pay was because the terms of the loan were outrageous and only in place to maximize the lenders earning potential at the expense of myself. 

I feel I was taken advantage of due to the lenders knowledge of my income and targeted marketing to my region. They know that individuals in my region also do not have high levels of education and they can abuse and impose unfair tactics to these people and take advantage of them due to lack of understanding the complicated loan stipulations and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 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.
State: NY

Complaint narrative:
To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX Bank from 2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years.

Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with Transunion, XX/XX/XXXXand XX/XX/XXXXbut they did not remove it. ( i believe XX/XX/XXXX first removed it but then it reappeared on my credit report. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX. I called customer service with a question. Asking why I couldnt see my XX/XX/XXXX transactions. They informed me they would put a ticket number about the problem and have someone call me back. I never heard back from them. So on XX/XX/XXXX at XXXX XXXX. I called about the problem. I was informed that I couldnt go back that far on line. They would have to send me a copy through mail. As of XX/XX/XXXX I have yet to receive my transaction from XX/XX/XXXX which I dont understand at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied on a XXXX website, XXXX, and the parents said that they were relocating from California to XXXX. They sent me a check of {$1900.00} and said that they want me to get two {$500.00} and one {$300.00} gift cards from XXXX. The money had already came to my bank account so I thought that the check was legit. I got the gift cards but then they said that they are running low on funds as the realtor needs more money to furnish the apartment so they wanted me to use the {$400.00} which is suppose to be my weekly payment as well as {$100.00} from groceries to get another gift card of {$500.00}. I got the gift card but didnt give it because I was suspicious. The next day my bank account balance was $ XXXX. I filed a police report and talked with the fraud department at Bank of America but they said they cant do anything since I made the purchase. I was able to get a refund on the last card that I didnt give.

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 2019-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. CXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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