vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 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: GA

Complaint narrative:
I have submitted two requests to Experian to verify and validate two charged off accounts appearing on my credit report. I have requested they provide me the copies of the original signed contract, all relevant account information, and the name of the person whom verified the information. The accounts are with XXXX XXXX and XXXX XXXX. My first request was submitted to Experian on XXXX XXXX, XXXX. Their response stated that the information reported was verified. I then submitted a second request on XXXX XXXX, XXXX and again the response only stated that the information provided was verified. These responses are inadequate under the FCRA as they failed to provide the requested documentation and method of verification. I request that Experian conduct a proper re-investigation and provide me with the information requested. I also request that Experian provide me with all relevant documentation they have in their possession and receive as a result of their re-investigation. I understand that Experian out sources all of their disputes to foreign contractors and they are given between 18 and 90 seconds to investigate disputes. This in and of itself is a violation of the FCRA in that a proper re-investigation is not conducted.

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 2017-09-30 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: NJ

Complaint narrative:
I have disputed an unverified account with equifax and XXXX XXXXr. They have both refused to properly validate the debt which is a violation of the FCRA. This debt is unverified and not mine. I would like for equifax to delete any unverfied debt from my credit report. 

The supposed debt is with XXXX XXXXXXXX for XXXX. There is no contract between me and XXXX XXXXXXXX. This debt is not mine and should be deleted from my credit report. 

Equifax is also report 3 90 day lates when the account has be closed since XXXX. 

This is my final attemp to resolve this issue before I bring in an attorney to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
On XXXX XXXX,XXXX, I filed a complaint with the BBB regarding the collection company Portfolio Recovery Ass. in regards to validating a debt that was said that was owed in the amount of {$460.00} to the company. The BBB sent the complaint to the company and the company stated that they sent me validation of the debt, in which they did not. On XX/XX/XXXX, I sent another validation letter to the company asking for specific information regarding this account. I am not sure how this debt was able to be reported on my credit report without proper and accurate information. This company is clearly in violation of the law, so if this company can not provide the proper documents needed to verify this debt, then this debt should be removed from the 3 reporting bureaus. The reporting agencies has to report accurate information on every consumer reports and if not it should be removed. This inaccurate reporting has hindered my credit for a few years now and I have suffered enough and I want this inaccurate information removed from all 3 reporting agencies. In this complaint, I have included the complaint documents sent to BBB as well as the letter that sent from this company regarding validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: PA

Complaint narrative:
Navient removed me from the Income Based Repayment plan in which I had been enrolled following graduation in XXXX. They stated to me that I no longer qualified for regular IBR and would be required to enroll in the Revised-IBR. 
- Representatives and even the Office of the Advocate refused to explain how the Revised-IBR works nor why I no longer qualified for Revised-IBR - My payments have been artificially high and with this new program my husband was made to share in the responsibility for my loans but his name is not on any of them - The last time I took out a loan was for the XXXX academic year so I do not understand why I am being subjected to these new rules - When they first rejected my IBR request in XXXX, after I had already been enrolled in the program, my payment was set to exceed {$1900.00} per month - I was under the impression that I have the right as a borrower to enroll in the program of my choice. They denied my IBR request. Being forced into the Revised-IBR without knowing anything about it further violated my rights because Navient should have been able to provide an explanation as to why they were denying my participation in the IBR and forcing me into the Revised-IBR I just learned about the Revised-IBR approximately one week ago, after two years of struggling to lower my payments and filing with you previously for assistance. I discovered that this program is for individuals who are in high earning fields with an expected income that will at some point near, meet or exceed the loan amount. That is not me. 
- I am a XXXX and I have no expectation that my income will even be a fraction of the amount of my loans because I have not been able to find stable work in my field - I have been consistently XXXX or XXXX since graduation in XXXX - The shared responsibility places an unduly harsh financial burden on my family because my husband is a XXXX. To pay both his loans and my loans requires that we choose between buying food and paying our rent or paying my loan because we can barely afford his - We have XXXX kids in college now as well so our financial situation has changed even further Navient has also stopped communicating with me and I am no longer receiving e-mails regarding my account. I did find a document on my account that stated that my loan would be going up to over {$2000.00} per month which is more than a paycheck but this document was not sent to me. Now, I ca n't even find that document on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I borrowed from formally XXXX XXXX now Navient a private student plus loan for {$14000.00} with a XXXX % interest rate in XXXX and graduated in XXXX. Immediately upon completion of school, I began payments. My loan amount when I graduated was at {$23000.00}. I have made on time payments since and my amount owed never really changed but by a few hundred dollars until recently when Navient gave me a {$600.00} credit. The institution marked it as an error on principal payment corrected. However, I find it hard to believe and harder to understand their ledger. I have called and complained multiple times to them since XXXX until present day and asked for their representative to explain and look at the account. They never could explain it and would usually just give me some type of an account credit to shut me up for the time being. I have been paying for XXXX years and I still owe {$20000.00}, and yes, I have been making normal principal and interest payments the whole time. I have thought about hiring an attorney, but I have been so busy trying to make it after college that it has been on my back burner, until now. Recently, I was made aware of the lawsuit against former XXXX XXXX now Navient about this same bad service and robbery. I wanted to start my process to get justice and the credit I deserve for years of payment I have been making and still making.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax breach. Equifax appears to be making the credit monitoring sign-up process very difficult so that users will become frustrated and give up. Please help them find some ethics. 

Initial sign up for TrustedID I did not use my middle initial. Even though I received several emails and I made several attempts to login, the last attempt directed me to a phone number XXXX XXXX XXXX for XXXX  Customer Service. I called and selected English. English was not the first language for the team member on the phone. This made communication challenging. The call lasted 28+ minutes where after me providing my phone number, last four digits of my SS # and email address they required me to respond to a series of questions concerning my previous employers, credit card information and credit limit on my credit card. I was told it would take 48 hours to allow my access to the Trusted ID website. The team member frequently put me on hold for 3+ minutes with loud music that was so poorly reproduced that it was not recognizable. I wondered if this was another layer of the scam. Then it occurred to me they were trying to frustrate me so I would hang up forgoing the credit monitoring service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: GA

Complaint narrative:
at first I got sick and was unable to work, so I ask forgiven of the loan, and I did sign up for the forgiveness program and was accepted, gave this person all my information, even made payments to get the loan forgiven, now I still have the loan, they took my money and I have n't heard from them I paid {$280.00} for three months that was the agreement, and I would get my loan forgiven, they owe me {$860.00} I need them to correct this information and/or refund me my money. I have the records to show you the name of the company, and funds taken out of my bank account. I want to know if this was a fraud/hacker on my computer. please help because all my information is on this computer such as my SSI number, bank information, birthday date etc. please help. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: DISCOVER BANK
State: KS

Complaint narrative:
My complaint is regarding Discover Student Loans. I receive 6+ calls a day EVERY DAY from 2 different  numbers regarding being delinquent on payments to my loan. This starts as early as XXXX until as late as XXXX. These calls start even when I 'm only a day or two late on my payments. I have tried to speak with the company numerous times but they have all told me that they ca n't do anything about it because it is an auto-dialer. I have tried to work with the company to lower my payments but again, they told me beyond getting a forbearance, they are unable to lower my payments. I have had to block both numbers from my phone just to avoid being bothered by the calls while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: UT

Complaint narrative:
To whom it may concern, This complaint is in regards to my Capital One credit card. On or about XXXX/XXXX I made a purchase using my credit card ; on or about XXXX/XXXX I reviewed my statement and noticed an Unauthrorized charge so I in formed my credit card company and initiated a dispute. 

Three or four days later my wife reminded me of the purchase I made that I filed a dispute for, I tried to contact my credit card company to redact or withdraw my initial dispute. The agent on the phone had informed me that once I file a chargeback I 'm no longer to retract my claim. 

Is this accurate? If I file a dispute on a transaction do I no longer have any rights to withdraw? Do I give away my rights to accept financial responsibility? Did my mistake cause a merchant to lose out on the original purchase amount and the service they provided? I 've tried to contact the merchant and they are no longer in business due to " chargebacks ''. I feel somewhat responsible because my chargeback claim contributed to the insolvency of the entity ; which offered a wonderful service. 

It leaves me to wonder how many other people 's mistakenly filed chargeback cost an honest business to be shut down. Is there any information on how to cancel the dispute you 've filed with your bank or credit card company? Am I wrong to believe that I can accept my mistake so as not to bear financial costs to others? Please help find information or resource links available that allows me to accept a dispute claim I 've filed or withdraw my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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 — Other problem getting your report or credit score
Company: Creditors' Service Bureau of Niles, Inc
State: IL

Complaint narrative:
My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX XXXX, 2016 I called my long-time internet /cable tv service provider, XXXX , to change my service. At no point during the conversation did they advise me that they would be conducting a 'Hard Inquiry ' to my credit status. 
In addition to receiving a negative strike on my credit report due to the unauthorized inquiry, I never received the level of service that I requested on XXXX XXXX, although XXXX has been charging me for that service since then. I just found out when my roommate finally complained to me that I was n't giving her what she was promised in our arrangement. 
My main concern at this point is removing the unauthorized hard inquiry to my credit. 
Additionally, I was advised that XXXX sent me the wrong cable boxes for the level of service I requested, and I 've been paying rent on these boxes in spite of not receiving the requested channels

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
My son needed a loan to start college. He then decided to go into the military so the loan was deferred. He was in the XXXX for 6 years. When he got out, he started school. Unfortunately the school he was at for a few years lost their accreditation and he was living in Idaho. He had to basically start over. Since the loan has been there for 10 years, they are demanding payments that he can not afford. He is still in school struggling to get his degree. He has no income. They are refusing to help us set up an income based payment plan for him. We can not afford these payments. They should help him defer a few more years or create a payment plan based on his income. They have not been helpful at all. I am very disappointed in the system. The interest he has been paying is ridiculous and adding up every day. This company needs to make special accommodations in these situations. He took 6 years of his life to protect our country and there is n't any protection for him?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
in XXXX I opened a XXXX Credit Card. In XXXX Capital One took over my card and it became a Capital One Platinum XXXX. As I was researching I discovered that this particular credit card they offer has no annual fee. I was very happy for this because I was pretty sure there was a fee on my old XXXX XXXX. I recently paid my Capital One Platinum card off and suddenly on my next statement besides the residual interest there is an annual fee of {$39.00}. I call them to ask about this fee and they said that it was part of my agreement with XXXX ... ..ok but it has been a Capital One card since XXXX and I feel that I should be getting the same benifits that they offer with this card for the same price that they offer their other customers. They said no they ca n't do that. Ok then transfer me to their other card that they do charge {$39.00} annually and give me the benefits that card offers. Again they said no. They refused to waive it, and insisted they can not drop the fee in the future even though I have been an excellent customer. They told me I could close it but that would have a negative effect on my credit rating since it was such a old/longstanding credit relationship. 
I feel this unfair, when they took over this card and put me in one of their products should n't it have more equal? And when brought to their attention, work with me now that they can see the type of customer I have been?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
ON XXXX XXXX, XXXX, I HAD ATTEMPTED TO OPEN A CAPITAL ONE BANK 'S THREE HUNDRED AN SIXTY ( 360 ) DEGREES CHECKING ACCOUNT AND A CAPITAL ONE THREE HUNDRED AND SIXTY ( 360 ) DEGREE MONEY MARKET ACCOUNT AT CAPITAL ONE BANK 'S BRANCH LOCATION AT XXXX XXXX XXXX, XXXX, MARYLAND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THERFORE, I WAS NOT ABLE TO LOG INTO CAPITAL ONE 'S FRONT DESK COMPUTER IN ORDER TO BE SERVED. NEEDLESS TO SAY, AFTER MORE THAN A HALF OF DOZEN CAPITAL ONE 'S BANK CUSTOMERS WERE WRONGFULLY WAITED ON BEFORE ME, EVEN THOUGH I WAS WAITING TO BE SERVED BEFORE ALL OF THEM, I HAD DECIDED TO TAKE A HAND WRITTEN NOTE TO ONE OF THEIR CAPITAL ONE BANK 'S TELLERS. THIS WAS EXTREMELY DANGEROUS SINCE, MOST BANK ROBBERS GENERALLY TAKE HAND WRITTEN NOTES TO BANK TELLERS IN ORDER TO ROB A BANK!!!!!!!!!!!!!. MY NOTE HAD SIMPLY STATED : " XXXX XXXX XXXX XXXX AND AM LEGALLY XXXX, AND HAD BEEN WAITING OVER AN HOUR TO BE SEEN!!!!!!!!! ". I WAS EVENTUALLY SEEN BY THE BRANCH MANAGER, XXXX XXXX, ET. AL., HOWEVER, XXXX XXXX, ET. AL., HAD ALL INFORMED ME THAT THEY CAN NOT AND WOULD NOT OPEN THE AFOREMENTIONED CAPITAL ONE 'S BANK ACCOUNTS, SINCE THEY WERE SO-CALLED, " ONLINE ONLY ACCOUNTS ''. I HAD THEN IMMEDIATELY INFORMED THEM ON A SCRATCH PIECE OF PAPER, THAT I CAN NOT CURRENTLY ACCESS THE INTERNET DUE TO MY XXXX XXXX XXXX. NEEDLESS TO SAY, I HAD FILE FORMAL WRITTEN COMPLAINTS WITH CAPITAL ONE 'S CEO, XXXX XXXX XXXX, ET. AL., TO ABSOLUTELY NO AVAIL, WITH REGARDS TO XXXX XXXX AND THEIR CAPITAL ONE BANK S ' NOT PROVIDING THE NECESSARY REASONABLE AND/OR MEANINGFUL ACCOMMODATIONS AT ANY AND/OR AT ALL CAPITAL ONE BANK 'S BANK BRANCHES IN ORDER FOR ME AND/OR ALL THOSE WHO WERE/ARE SIMILARLY SITUATED IN ORDER FOR US TO BE ABLE TO OPEN ONE OR MORE OF THE AFOREMENTIONED CAPITAL ONE 'S BANK 'S PRODUCTS WITH THE XXXX XXXX DOLLARS ( {$200.00} ) EACH, SIGNING BONUSES FOR NEW CAPITAL ONE '' S BANK CUSTOMERS, INCLUDING ME, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation