vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: NC

Complaint narrative:
I have had these loans since XX/XX/XXXX. I started repaying these loans in XX/XX/XXXX. I had to defer them a few times and now the interest is outrageously high. I have been paying almost {$400.00} a month since XX/XX/XXXX. My balance seems to only increase. I was put on an extended payment plan. When I signed up for that a few years ago, it showed that my loans would be paid off in XX/XX/XXXX. I have not changed any thing since, yet now they show they're not due to be paid off until XX/XX/XXXX. I can not keep affording this payment. Every time I've called them to do a consolidation on these, I've been told that I can not do that. I currently have 13 different student loans with Navient all with different interest rates. I have a private loan through them as well, that I haven't done any deferment on and yet that one also has not decreased. This isn't right. I currently owe Navient almost {$46000.00} in student loans. I don't understand how I owe so much more than I ever borrowed. I don't understand why I have capital interest and compound interest that I'm paying on. According to my records I've paid around {$32000.00} to Navient already, yet I still owe {$46000.00}, because they take almost all of it in interest. My total before I started paying anything was {$63000.00}. My loans were originally with Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have never been able to get a copy of my free credit report. I have to either purchase some form of fake credit protection, WHICH IS A MAJOR LAUGH, or I have to tell Trans Union what is exactly on my credit report. XXXX is always down and not function. All I want to do is get my free credit reports which I am entitled to by law and I want the right to print out my credit report. 

IT IS DUE TO THE ACTIONS OF THE CEOS OF THE CREDIT REPORTING AGENCIES THAT ALLOWED THE BREACHES TO HAPPEN. WE THE VICTIMS SHOULD NOT HAVE TO CONSTANTLY PAY FOR WHEN THE CEOS PLAY. 

I absolutely refuse to provide a copy of my drivers license or social security card or some other form of identification to prove who I am. These credit reporting companies should be investigated under the RICO statute due to the roadblocks they put up to keep the consumers from cleaning up the credit reporting agencies mess they created. 

I am a victim of identity theft already, so what more damage can be done to my credit report if I do not provide proof of my identity. I should not have to tell Trans Union what the XXXX is on my credit report since I don't know what is on it. I will say this and stay by what I am about to say. ISIS HAS MORE CREDIBILITY THAN THE THREE BIG CREDIT REPORTING AGENCIES. 

Click on this link and see what me and millions of people have to go through with the Credit Reporting Agency scams. 

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 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc.
State: VA

Complaint narrative:
I dont know why this company is callling my home. I have a perfect credit record and I dont owe any company any debt. I answered the last time they called and I kept saying hello hello and then I just heard a click in my ear. They never said a word.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied online and was approved for a Fifth third credit card on XX/XX/XXXX. 

On XX/XX/XXXX two fraudulent charges totaling almost {$1400.00} were made on my XXXX card. According to the XXXX Rep, the charges were for airfare to XXXX via XXXX I've had to cancel the XXXX card. 

It seems like too much of a coincidence that the day after I apply for one bank 's credit card my other credit card gets hit with fraudulent charges. 

How can I be sure that Fifth Third or the credit reporting agency didn't leak my info?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2018-05-31 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: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I contacted XXXX  concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. 

National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I mailed three separate dispute letters to Synchrony Bank for Wal-Mart, JcPenney and XXXX XXXX on XX/XX/2018. I have not received anything verifying my debts with Synchrony Bank as of today XX/XX/2018. To my understanding if I, the consumer, have not received a letter on company letterhead verifying the debt with my original signature within 30 days, then the company, Synchrony Bank, must delete all accounts from 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 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One is blocking from using external applications. The third party site I was using, which gave me this error, said this would be a good place to lodge my complaint. I feel I should be in control of who uses my data not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
I had a payday loan with Ace Cash Express from years ago that I did not pay because I fell on hard times and lost everything. I got contacted by XXXX XXXX the last time on XX/XX/2018 the last time. They had a " professional locater '' call me and threaten me to be arrested any minute and that they had a warrant then she gave me a number her number is XXXX. She told me that a medaiator company is who was handling my account and gave me this number XXXX called XXXX. I talked to them and they made the same threats and I was scared so I gave them my account info. I thought about it and then called the FTC then CFPB after they reffered me. I spoke to both and they told me it sounded like a scam and to stop the debit so I closed my account and opened a new one. They also told me ask for their license. I called XXXX  back and told them I was filing a complaint and I needed the license number and their names. The desk girl got really upset and said she just worked the desk, she had no idea what they were doing and she knew it wasnt right and she didnt want legal problems and said she would stop the payments. She pretty much admitted that they were a scam. the email that the sent stuff from was XXXX they call themselves XXXX XXXX, XXXX and XXXX  XXXX. I asked them to email me everything and the refused the would only email a payment schedule. I want to press charges, they had me in tears acting like they were on their way to arrest me and then scamming me out of my money. I called ace cash express and the debit has been sold and I couldnt track it, where they said they sold it no longer had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
The purpose of this written request is to request an explanation and documentation as to why a secondary corrected IRS Form 1098 was issued for loan # XXXX. This information is necessary to file an amended 2017 Federal and State Tax Return and to file a formal complaint with Internal Revenue Service against Seterus Inc. and file a formal complaint with the District Attorney Office of XXXX XXXX. 
It appears based on this information provided that Seterus Inc. has been manipulating and wrongfully distributing the contractual principal and interest payments in to a defunct escrow account and suspension account thus resulting in a corrected Form 1098 to be  generated. It also shows that Seterus Inc. is wrongfully administering the contractual principal and interest payments in order to fabricate a delinquent mortgage account with an intent to generate a loan modification for which Seterus Inc. has a financial gain interest in and/or a notice of default to produce unverifiable fees and service charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I've sent my regular monthly payment into my mortgage of {$1200.00} dollars all of last year, but Ocwen Loan Servicing stopped receiving my payment as of XXXX, 2017. I have been in contact with the company and have submitted numerous requests for an understanding of why they are not accepting anymore of my payments, and why after a number of requests for an loan repayment plan, they keep turning me down, despite a change in my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: FM

Complaint narrative:
We received collection notice from Synter Resource Group, LLC ( SRG ) advising balance due of {$2100.00}. We called the freight company ( original creditor ) XXXX XXXX XXXX, spoke with their accounting department and confirmed no outstanding debt is owed and our account is in good standing. XXXX XXXX XXXX further advised they do not have any business relationship with Synter Resource Group , LLC . 

We've attempted to contact SRG several times leaving voice mails for XXXX XXXX and XXXX XXXX to call us back to discuss matter unsuccessfully. Regardless of the time of day, no one picks up telephone numbers listed in notice.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I am a home owner and I make my payment electronically every month without fail. I received an email on XX/XX/XXXX telling me that my lender is adding a {$3.00} fee for this type of payment. And the only way to avoid these payments will be to register for automatic payments from my account, or to pay by check. I have no interest in using automatic payments and think its very inappropriate for my lender to force me to do so. I will have to begin paying by check which is an outdated and slow process that can lead to late fees. Now I will have to write and mail a check BEFORE I get paid to ensure my payment is posted on time. 

If I was not paying attention, and many people don't, these fees would add up to more than {$1200.00} over the term of the loan. This kind of revenue stream is predatory in nature and is designed with only the bank in mind and complete disregard for the consumer. 

It's unfair and should not be allowed. I hope the CFPB hears from other homeowners and requires Caliber to reverse this policy immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
This is a debt for my son in law brother no relation to me.Her name is XXXX and told me to pass the information on and have him call her she told me she was from XXXX XXXX XXXX and said she would call me again if he didn't call her. She should not call me no matter what I am no relation to the person she is trying to collect from therefore there is a privacy issue. I did not sign for his student loans or was I used as a reference. This is unethical practice.

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 2018-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase not working with us on the vehicle loan. We had fallen behind due to XXXX XXXX  and slow receivables. I had a serious setback due to an inpatient XXXX XXXX crisis. My wife and I both are currently under doctor 's care. Chase had told me if I catch up a few payments I was eligible for an " extension '' on the loan. Then after I made the payments, Chase denied the " extension '' in XXXX of 2018. So they lied to me. They are the only creditor who refuses to work with me on a repayment plan or payment arrangement. When I call them, all they do is bully me and scold me. A supervisor was apathetic to my XXXX XXXX problems, and told me how many times the account had fallen behind, as if my XXXX XXXX problems are not real and just go away when you want them to. This is commonly known as " XXXX XXXX XXXX '', whereby an individual will have sympathy for a XXXX or XXXX patient, but apathy towards someone with a XXXX XXXX issue. I am sure I am not the only borrower they have ever had who fell behind due to illness. I have made payments in good faith when I can, and the account is really not in " serious delinquency '', averaging only about 30 days past due. I may have an opportunity to borrow some money soon to get it caught up, and I have told them that. If they would just work with me and be patient they will get their money. However, they just continue to threaten how they are going to " repo '' the vehicle, which makes no sense, as they will end up with the loss. If this continues, they will leave me no choice other than to seek relief under the US Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX   attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX/ XXXX XXXX, XXXX , XXXX XXXX, XXXX , XXXX XXXX , XXXX, XXXX XXXX, XXXX , XXXX , XXXX , XXXX, XXXX XXXX , XXXX, XXXX , XXXX , XXXX/   XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2018-05-31 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Sent debt validation letter XX/XX/XXXX to Portfolio Recovery requesting that they provide me with the wet ink signature contract, purchase agreement from the previous creditor XXXX XXXX as well as a copy ( s ) of any documents that show I agreed to pay Portfolio Recovery what they say I owe. I received a generic letter back from Portfolio stating that they purchased the debt from XXXX XXXX but did not provide me with a copy of the wet ink signature contract, purchase agreement as well as any documents showing that I agreed to pay them what they say I owe. XX/XX/XXXX I received additional documents from Portfolio Recovery stating that this was their proof of validity. The documents sent is a copy of an old billing statement. Removal of this debt off of my credit is imminent due to no validation on the part of Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on Experian, XXXX and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.

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