vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient-XXXX XXXXXXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX, to utilize XXXX which is now known as Navient. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX with a XXXX and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Over two ( 2 ) months ago I submitted a complaint XXXX. In this complaint Navient attempted to change the terms and conditions of the loan by refusing to send account information and statements through the U.S. Postal Service ( USPS ) to my XXXX  XXXX, XXXX XXXX, CA XXXX address for account XXXX. 

In response Navient said they will send all future correspondence and statements through USPS. However, since this response on XX/XX/2018 I have yet to receive my XX/XX/2018 statement or my XX/XX/2018 statement via USPS. Navient is in breach of the loan agreement. I want all correspondence and statements sent via USPS to the address stated supra ( XXXX XXXX, XXXX XXXX, CA XXXX ) and will at no time now or in the future use or agree to use Navients website by loging onto their website to get or receive any information electronically in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: MO

Complaint narrative:
Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. 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 2018-03-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX XXXX XXXX a XXXX XXXX  and/or a XXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from XXXX and Equifax. Another report was pulled from XXXX on XX/XX/XXXX and my credit score dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from XXXX  and Equifax ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while XXXX  and Equifax still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to XXXX, Equifax and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On XX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
I have been paying from XX/XX/XXXXeach month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment inXX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXX payment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX to utilize XXXX which is now known as XXXX. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX  with a XXXX   and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ability recovery services llc is trying to collect on a said medical debt and they are not bonded in the state of TX. The debt was Added to my credit report XX/XX/XXXX in the amount of {$670.00} without any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have not received any of my paper billing statement for my Bank of America Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent Bank of America letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). Bank of America has failed to send me paper statements for the month of XX/XX/XXXXto XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that Bank of America is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXXI contacted Bank of America by phone and Bank of America acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXXand that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per Bank of America, my minimum payment due changed on or aboutXX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent Bank of America a written notice stating that I have not received the statement for the month I mailed out each notice.

-- -- -- -- -- -- -XX/XX/XXXX UPDATE -- -- -- -- -- -- -- -- -- -- -- BANK OF AMERICA FAILED TO RESPOND TO CFPB CASE # XXXX AND # XXXX BANK OF AMERICA HAS FAILED TO INVESTIGATE MY DISPUTE AND FAILED TO CONTACT WITH A RESOLUTION. BANK OF AMERICA STATED THAT THEIR REASON TO NOT RESPOND TO THE CASE WAS BECAUSE OF A SUPPOSED UNAUTHORIZED THIRD PARTY. BANK OF AMERICA USED THIS EXCUSE TO BUY MORE TIME. BANK OF AMERICA DOES NOT HAVE PROOF THAT THEY SENT ME BILLING STATEMENTS. BANK OF AMERICA NEEDS TO CONDUCT A REINVESTIGATION AND PROVIDE ME WITH DESCRIPTION OF THE PROCEDURES USED IN THE REINVESTIGATION WITHIN 15 BUSINESS DAYS OF COMPLETION OF THE REINVESTIGATION. INCLUDED WITH THIS CASE ARE THE SAME DOCUMENTS THAT WERE INCLUDED IN BOTH CASES MENTIONED ABOVE. IN ADDITION TO THIS, I HAVE INCLUDED A COPY OF A LETTER I MAILED OUT TO BANK OF AMERICA ON XX/XX/XXXXAS BANK OF AMERICA HAS FAILED TO RETURN MY CALLS REGARDING THIS MATTER.

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 2018-03-28 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: FL

Complaint narrative:
On XX/XX/XXXX I wrote to all 3 credit bureaus and to the creditor directly, XXXX XXXX. The payment status and the comments line are incorrectly reporting a charge-off and an indication that the account was sold to another company.

On JXX/XX/XXXX I received a letter ( see attached ) indicating that my account was in fact sold and that XXXX no longer had any information on my account.

If XXXX  has no information on my account how can they do a legitimate investigation as to whether my account is correctly still shown by then as Charge-off.. ( see attached excerpt from my XX/XX/XXXX report showing that XXXX  is still showing inaccurate and unverifiable information.

I wanted to send a copy of this complaint also to the creditor XXXX but your form did not provide such an opportunity. See the attached letter previously mentioned for correct mailing address.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have been paying from XX/XX/XXXX each month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment in XX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXXpayment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
For the past year I have been trying to fix my credit record with XXXX  and also XXXX XXXX XXXX ( XXXX ). I am trying to open a checking account or even a savings account so I can stop utilizing XXXX XXXX  to hold my Money. I have tried every bank I can think of to open one up and was even denied by all the Financial Institutions that offer 2nd chance checking accounts. I have paid for all my past charge offs but the only bank that refuses to take my name off for a past mistake which they consider " suspicious fraud '' is Bank of America. They said even after I paid what they claim I owe them they will not report me in good standing or remove the negative report on XXXX or XXXX. My problem isn't that I have close to $ 100k in my safe that I would like to put in a bank but I can't seem to get any bank to allow me to do so because Bank of America is holding me hostage and unwilling to work with me. Please help as I am willing to even pay double what they claim I owe just to be done with Bank of America.

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 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've paid off my balance but I still get charged interest. When I called in on XX/XX/XXXX, both agents told me that in order to avoid interest charges moving forward, I need to pay off my balance which I assured them that I would. I did that and still got charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened this card to get 2 free weekend nights. I made the necessary spenditures on the card but never received my free weekend nights at 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 2018-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I apply for a credit card with Chase, I get approved and then they close the account right away then send me a letter saying that I have a previous bad relationship with them. I have no such bad relationship with them. They've closed my accounts in the past ruining my credit. They invite me to apply, once I apply they approve then they cancel my cards. I have no idea why they say I have a previous bad relationship. I've always paid my bills on time, never overdrawn my checking accounts.

Company response to consumer: Closed with non-monetary relief