vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-01 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: WI

Complaint narrative:
I have dealt with Navient ( and XXXX XXXX ) since I got out of School and have had nothing but problems with them. They range across the board for a number of things : - Inability to work with me on trying to lower my payments. - Placing my loans in forbearance instead of accepting lowered payment options that I could afford just keep charging me interest. - Hanging up on me when I tried to discuss my repayment or interest lowering options. - Refusing outright to remove my parents from my loan as co-signers even though I 've never had them make a payment on my behalf. <P/>This group of humans have made life for my family rather difficult over the past 10+ years since I 've had to pay my loans. I have gone through times of economic hardship solely because of the extremely high repayment of these loans. As an XXXX Veteran, I simply wanted to do better for my family after leaving the service and Navient is making that XXXX near impossible. I struggle week to week with paying everything because I have to pay them so much. I do n't want to call them because of what I 've stated above to I do some fancy footwork to make it all come together. But, in the end it exhausts you to no end when you ca n't even take your wife to a movie because you have to account for every penny so you can make sure you do n't get hit with a late fee from these jackalsXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In  XXXX  of  XXXX  I contacted Navient by phone to initiate the process of having my student loan forgiven as part of the   XXXX    Loan Forgiveness pro gram. I was told by the representative that my loan did not qualify for forgiveness. I continued to make payments until  XXXX  of  XXXX  when a conversation with a colleague made me suspect that I had been given bad information. My loan did qualify for forgiveness. I undertook the process of getting loan forgiveness.  Navient  rejected my application four separate times for a variety of extremely trivial reasons ( e.g. I wrote a date as  XXXX  rather than  XXXX  ) but finally sent the note to the guarantor who paid my loan in full.   Because I was given false information on the nature of my loan, I ended up making a full year of payments unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express is c harging late fees and threatening to report me to credit agencies for a dispute. The disputed charge is for an unsolicited  XXXX  ride on  XXXX / XXXX / XXXX  for {$40.00}. Late fees of over {$200.00} have been added to m y American Express account as well. Despite me having contacted American Express  in  XXXX ,  XXXX ,  XXXX  of  XXXX  and  XXXX  of  XXXX . I spoke to  American Express  representatives,  XXXX   XXXX  and  XXXX  about this  matter.As of late, several American Express employees such as  XXXX   and  XXXX  continue to harass me and call my private mobile to tell me that they have sent my information to deb t collectors.Also, up until this very day, I am still unable to use my AMEX points bec ause of the present issue. These points were earned independent of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: NY

Complaint narrative:
After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!

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 2017-06-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On  XXXX / XXXX / XXXX  at  XXXX    XXXX   I spoke wit Transunion and spoke with  XXXX -Supervisor and explained that I was aware of the glitch that occurred in  XXXX  and again early  XXXX . The problem that occurred i s TransUnions ', not  mine. I should have been notified prior to re-adding inquiries back to report, I did reach out in good faith asking that they are removed due to re-added illegally. As this is hurtin g my credit score an d adding hardship and my rights were violated by Transunion and victimizing myself. Please remove all of the inquiries permanently from my 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 2017-06-01 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: SC

Complaint narrative:
I am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because  XXXX  has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: SC

Complaint narrative:
Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Thi s Compliant is being sent to Convergent Outsourcing in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I NEVER e stablished a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX   ) this  action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character

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 2017-06-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I requested a copy of my experian credit report and notice several inquiries that I did n't authorize. I also had a breach with  XXXX , but they rectified the problem immediately. I wrote a letter to experian explaining to them that someone was inquiring about my credit report without any consent from me. I was advised by experian that I had to contact the creditors directly and advise them of the unauthorized inquiries and they will notify the credit bureaus and the inquiries will be removed. I wrote each and every company that inquired ab out my credit file without authorization from me, it has been over 60 days and I still have not had any reponse. In the meantime I also aquired a police report as this situation is causing great harm to my credit score an d making me not credit worthy. The inquires are as follows :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-06-01 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: I.C. System, Inc.
State: UT

Complaint narrative:
A debt collection company, I C Systems Inc., is reporting 33+- collection accounts on my credit reports. I have disputed them with the credit agencies. I C Systems removed some of the reports but has not removed the XXXX.
I called I C Systems and requested proof of the debt from them. They told me I needed to request the information via mail. On XXXX XXXX 2017 I sent a letter requesting the proof of debt to I C Systems. I have followed up with I C Systems multiple times and have received no response from them. I have not received the proof of debt and do not believe it is my debt. I am asking you to please contact them on my behalf and have them either send the requested proof or remove the information from my credit reports. It has been more than 60 days since I requested the information. Their lack of response should be enough to have the information removed from my report. I have attached with this complaint copies of my credit report showing the wrong entries as well as my letter to them. I have redacted any personal information. Thank you

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 2017-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
I write to complain about the debt collection conduct of  XXXX , Discover Bank, and  XXXX  loan servicing. I owe about {$30000.00} on a private student loan I took out with  XXXX  to attend   XXXX   XXXX   in   XXXX   XXXX    XXXX . I graduated in  XXXX , and was working in the   XXXX   XXXX   XXXX   XXXX   XXXX   position when I injured my  XXXX . The injury occ urred two years ago , and as a result I had to stop working. I got  XXXX , and, only now have been able to start looking for a job. I have used up my savings as well as the financial good will of my friends and family to maintain payments on these loans. As of  XXXX   XXXX , I no longer can pay the loans.  <P/> I called  XXXX  well before  XXXX   XXXX -  XXXX   and advised them of that i was running out of savings and income and that i would need some sort of accommodation until i could find work.  XXXX  told me I was  only entitled to 12 months of forbearance and that I had already used that up sometime during the 9 or 10 ye ars that I have been in repayment.  XXXX  began calling me in  XXXX , telling me i was late on my payment. Every time they called I explained my hand problem and how it stopped me from working and that I had used up my savings.  XXXX  then transferred the case to a new servicer,  XXXX .  XXXX  began calling on  XXXX   XXXX ,  XXXX , demanding that I make payments. I continued to explain my financial situation, and asked if there were any options to help. The answer was no.  XXXX  has since called relentlessly, sometimes several times a day, telling me this isnt a debt you can ignore, and threatening to report me to the credit agency.  <P/> I have similar problems repaying loans held by Discover bank .. Discover gav e me one-month forbearance for  XXXX , but says I must make  six more months of payments before I can access the remaining 3 months of forbearance. This is not possi ble.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank, u sing information from when I opened an  XXXX   XXXX  card through Costco, opened  a Citibank  account without my permission ( when  Costco swit ched from using  XXXX  to  Citi ). The y then charged money to this account, without authorization, to continue a  Costco memb ership ( that I did n't wish to keep ). They then continued to charge me late fees for this debt that I never authorized.   I do n't wish to do business wit h Citibank, and t hat 's my choice as a consumer. They have no right to force me to do business with them, much less put debt on me that I did n't authorize.

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 2017-06-01 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

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 2017-06-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
ON XXXX/XXXX/2017 I received a call from a young woman advising me that I have a pending lawsuit against me. She could not tell me what for, but she terrified me saying that I would have sheriffs serving me in the next two hours. I asked what was it for she said she did n't know but it was for a debt. I told her I could n't be home to be served and she told me I better reschedule or they will think I am trying to avoid them. I asked her what address and she gave me an address 3 years old and I never would have received any documentation regarding this lawsuit. She said since i was n't aware of the debt that I should contact XXXX XXXX at XXXX which is the number for XXXX XXXX XXXX. When i called I explained I have no idea what this was about and the gentleman XXXX stated it was for a credit card and the amount due was {$880.00}, he then advised me if I paid today it would only be {$380.00}. He then proceeded to tell me if I pay today there would be no lawsuit and it would be canceled. So i paid it. <P/>I thought about this last night and realized it seemed odd that everything just came out of nowhere and they would have received returned mail since i have n't lived their, so it ultimately made me realize it was a scare tactic that i fell for. I ran the address for XXXX XXXX XXXX and it was a XXXX XXXX i then called and asked for a copy of the canceled lawsuit documents and was told there was n't any and that no sheriff was going to serve me but a courier. I advised him that this seemed like a tactic to get me to pay a bill and advised him I would be filing a formal complaint on the tactics used, he said the company that called me was a 3rd party they hire them to do it and they have no control over what they say, i simply explained you hired the other company to represent your company and you ARE responsible for the methods and tactics they use. I ended the conversation advising him i will file a formal complaint and said goodbye.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
I am a   XXXX   XXXX   XXXX   working towards a  XXXX   XXXX , I am a widow ( I am awaiting widows benefits from Social Securit y ),  and I am a single parent with dependents. My father,  XXXX   XXXX   XXXX , bought the home in  XXXX   XXXX  but unfortunately passed away on  XXXX   XXXX ,  XXXX . I inherited the home along with the inherited debt which I did not plan for financially. I am on scholarships, grants, and student loans  which pay for my living expenses each semester I am in college. I called the 21st Mortgage Company to  set up a payment arrangement for the month of  XXXX  as it was the end of my funding for the  XXXX  semester. They were rude, unwilling to work with me, stating that I should have budgeted for the mortgage with my monies from school. They have called me daily and e-mailed me consistently on  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX  with harassing messages. They are aware of my financial situation but they continue to call me and harass me daily. It is unbearable, it puts added   XXXX    on me and my family, and I will not be subjected to their unlawful practices any further. I have tried to work with them but I will not tolerate their demeaning, rude, and harassing behavior.

Company response to consumer: Closed with explanation