vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: CO

Complaint narrative:
Issue : Navient blocked my access to my account upon learning I am attempting to apply in the USGov Income-Driven Repayment Plan. 

The company is currently being sued for illicit business practices. This reinforces my belief the problem falls within the frame of that sphere. 

Below is a simple timeline that illustrates NAVIENT withdrew access to my account directly after the company learned ( and therefore because of ) my desire to enrol in the government-provided student loan repayment plan. 

**** EMAIL : XX/XX/XXXX : Service Loan Provider, NAVIENT send an email my Quarterly Interest Statement is available. I follow instructions and log in to my account via their website. 
**** EMAIL : XX/XX/XXXX : Email from NAVIENT they received my application from Student Loans.Gov for Income-Driven Repayment. 
*** XX/XX/XXXX : I discover my login credentials to NAVIENT do not work. Finally, I log in and am direct to a page with a message that my account has been disabled. 
*** EMAIL : XX/XX/XXXX : Email to NAVIENT are returned with following info : Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Some debits are billed twice for the same transaction. In the morning I buy coffee from XXXX XXXX XXXX. I was billed {$13.00} several times for the same transaction. Double billing my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a XXXX credit card years.never missed payment. I had a XXXX and XXXX   XXXX on XX/XX/2017. I have insurance on the credit card I pay monthly for years. I contacted them by email and telephone. I was told they don't handle that and had no idea how to make those adjustment. I was refused a supervisor and no one did anything. I got mad at the store and they said to call my account was closed and charged off.on my credit. I have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PR

Complaint narrative:
I live in XXXX XXXX. After devastation caused by hurricane Maria All mortgage companies helped us With programs in which we didnt have to pay our hoises until XX/XX/XXXX. Loancare assigned a representative to work my case and she put me in that program. After we spoke in XX/XX/XXXX this representative has never answered any call again. I spoke to a second representative who said the first one did nothing and then the second one entered me into that program. Now in XX/XX/XXXX I need to pay my house and that representative blocked my account, so no payments are accepted. Im calling them to continue paying my house and the representative working my case never answers. Ive called more than 10 times this month, somebody answers. As soon as this person that answers enters my loan account they say a specific representative is assigned to my loan ( the lady I spoke with back in XX/XX/XXXX ). Then they ask me to wait until they can transfer me to her, but she is NEVER available to respond. Then they say I will leave a message for her to call you. Next step, I received a call from LoanCares number, but when I answer there is nobody on the line. It seems that on purpose this representative is calling me ( to have a proof that she called me ) but not speaking, just to have evidence that she dialed my number. This has been happenning for a complete month and even Ive reported this person, nobody is able to make her attend my case or allow me to pay my house. To me it seems like a plan to take my house from me. Please help!

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 2018-03-22 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: RI

Complaint narrative:
I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: Navient Solutions, LLC.
State: RI

Complaint narrative:
I had file a dispute with XXXX in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have never even heard of XXXX From Rhode Island before, and yet they have withdrawn {$39.00} from my prepaid debit XXXX card on multiple occasions! Most recently on XX/XX/XXXX at XXXX. Not only have they withdrawn this random amount multiple times, but they have also attempted to authorize my crd for that same amount EVERY SINGLE DAY, SOMETIMES TWICE A DAY, since XX/XX/XXXX!!!! I'm glad I dont have that much money on this card and the authorization was obviously declined several times because THEY ALREADY TOOK ALL MY MONEY!!! I DO have my monthly statements to show this and I also am enrolled in the XXXX XXXX XXXX program so that they text me EVERY SINGLE time they either took my money or attempted to take my money!!! I tried calling the XXXX number they provide on their website ( no other info is on their site except for their number .... ) And repeatedly got a lady with a XXXX accent saying that they were closed!!!! So I XXXX the company to see if anybody else has experienced the same thing from this company, and their are SEVERAL people getting scammed by this company!!!!

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX  for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!!

INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ...

VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... 

LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX   opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. 

Kind regards XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I called Citizens bank to change the auto-debit checking account number associated with my payments ( I recently moved from a XXXX XXXX checking account to one with XXXX XXXX XXXX XXXX ). During this call the representative instructed me to setup an new account with their online payment portal linked through their website. After completing this setup the representative confirmed I was good to go and payment would now be deducted from my new checking account ( with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX my payment, {$540.00} was deducted from both my XXXX XXXX and my XXXX  checking accounts and both payment appeared on my loan account with Citizens Bank. As I was on vacation I was unable to call until XX/XX/XXXX when they told me I had to wait until Tuesday to even file the claim and then it would take 7-10 business days for the claim to go through and them to MAIL me a check, this is after they insisted that the transfer was not an auto debit despite me not ever logging into my account or calling them since the XX/XX/XXXX call.

Citizens Bank took {$540.00} from a checking account they no longer had a right to access and insist that they can take weeks to refund the money, this is unacceptable as I was expecting that money to be present in that account. I escalated to a manager but they insist they are unable to do more, to date all I have received notice of is that the claim has been filed, this is at 4 days post notice and 15 days since the unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
in XX/XX/XXXX I was going to court reporting school and in a bad relationship, before graduating I suffered from XXXX  and XXXX XXXX XXXX, XXXX XXXX had a XXXX  stipulation should you become XXXX the loan would be forgiven well in XX/XX/XXXX, my income tax was taken for default, due to XXXX XXXX my daughter and I had to move alot, and I'm still fighting this and I need my my tax refund

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. 

I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. 

Please help me to remove this account and make them stop threatening to damage my credit. 
Thanks

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent XXXX XXXX XXXX a validation letter on XX/XX/XXXX to validate my account. They did not validate my account whatsoever they sent me a statement of XXXX which is not a validation of my account. I asked for them to remove the account from off my credit report because of the vet they could not validated they still did not remove the account off my credit report due to non validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.

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 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ascension Point Recovery Services, LLC
State: TX

Complaint narrative:
In the early afternoon of XX/XX/2018, a company by the name of Ascension Point Recovery Services called my brother. During said phone conversation, the representative from Ascension Point ( XXXX XXXX ) told my brother I was dead  and that I had named him as the executor in my will. She tried multiple times to get my brother to " confirm '' my date of birth and the last four of my social security number so she could help him " settle my estate ''. Despite her persistence, he would not give her any information. My brother began asking her questions ; he asked about her business with me, questioned when I supposedly " died '', what he " supposed '' to pay and how much, ALL of which she refused to answer. Fearing that this company was phishing for information, he informed her that I was not dead, but very much alive and lived 8 miles down the road and he would be calling me immediately after their conversation was finished. She, XXXX, left her name, company, phone number and extension so he could call her back to " settle the estate ''. After he called and told me about the conversation, I put the company name into XXXX. I found out that this company offers debt collection services as well as estate settlements.

There is so much ethically wrong with this. I am not dead, I have not named my brother as executor on anything, and I certainly do not have an " estate to settle ''. To call family members and suggest their family member has passed away is crossing that ethical line. Had they called my XXXX year old mother, this could be a whole different situation. THIS COMPANY NEEDS TO BE STOPPED!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2017, I sent Equifax a request for verification of proof on the following accounts in the attached documents. Especially on an account named XXXX XXXX. I NEVER received an update on the investigation status! I recently pulled my credit from Equifax this year and saw that some of the accounts were deleted. I NEVER RECEIVED notification of an update on my request nor a status on an investigation. So they are 30 days OVER-due.

Company response to consumer: Closed with non-monetary relief