vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Automated Collection Services, Inc.
State: MN

Complaint narrative:
XXXX originated the loan in XX/XX/XXXX-XX/XX/XXXX Then, XXXX XXXX went bust. They at some point sold the loan to XXXX XXXX, out of Colorado XXXX XXXX has sent the loans to collections via ACSI, who is threatening to retain my tax refunds. XXXX never notified me of default. XXXX XXXX never provided due diligence/process of reconciliation, forbearance, repayment options etc. This ACSI outfit, whose mailing is labeled from XXXX, OR, and Kentucky, but call center in Tennessee is the slimiest debt collection institution. The threats and harassment, especially of stealing tax returns is blatant. Obviously their debt was acquired through completely deranged and incorrect channels. XXXX failed to offer due process of loan recovery, as did XXXX XXXX. I have disputed the validity of the debt to asci. The operators at their institution asked me for my full social security number, which I found to be a fraudulent method of verifying identity. I explained repeatedly that I believe their collection to be invalid and illegal, and will only verify by yes or no the information they may have on file, but will not be providing my full social security to them. They mentioned today repeatedly being concerned about them potentially being sued for fraud. I elxplained to them that they should be concerned, as they are in fact attempting to collect a debt not originated by them. Essentially, they are parasites, exploiting loopholes in student lending laws, targeting specific individuals in the population, harassing me and others and threatening to steal tax refund. They may not be obligated to abide by student lending laws, but they are obligated and under duress of law to practice legal debt collection ( s ) i.e. Offering resolution, due process. At no point was any effort made by any of the three involved institutions to resolve the debt according to either student loan lending laws, or economic/debt collection laws. During last conversation, XX/XX/XXXX. They alleged to have placed collection in dispute and suspend collection effort. When asked to clarify what exactly " dispute '' means, representative of ACSI stated that master promissory note would be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 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: AL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX, XXXX, Transunion, XXXX. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from google search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't 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 2017-07-27 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: AL

Complaint narrative:
Dear CFPB, XXXX XXXX XXXX, XXXX, XXXX, Exoerian. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from XXXX search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't 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 non-monetary relief
Consumer complaint received 2017-07-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP 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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for this to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted 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 2017-07-27 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: LA

Complaint narrative:
Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to 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 non-monetary relief
Consumer complaint received 2017-07-27 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: PA

Complaint narrative:
I have had a mortgage with Key Bank ( previously XXXX XXXX ) for roughly 2.5 years. Every month I make my payment online through XXXX XXXX 's bill pay. I have never had an issue until now. This month I received a letter from Key Bank stating that I was past due on my XX/XX/XXXX payment and assessed a late fee. I was warned that this could potentially be reported to the credit bureaus. I checked my XXXX online banking to see the payment was sent and received by Key Bank on on XXXX XXXX, 2017 so far before my due date of XX/XX/XXXX. I have a confirmation number of this transaction and the amount is no longer in my account. I called Key Bank on XX/XX/XXXX when I opened the letter from them. The agents informed me the call was to collect a debt from me. I was transferred several times till finally I was given an email address to a manager to send my proof of payment. I emailed this proof with the confirmation number and was told I would hear back soon. After not hearing for over 48 hours I called back. No one knew anything that I was talking about and still said I owed money and a late fee. Additionally, besides making my payment on time, I also made a lump sum payment of XXXX dollars on XX/XX/XXXX ( which is in my payment grace period ) to remove the PMI from my mortgage. So essentially I payed around {$27000.00} on time. Key Bank is still telling me they are not able to locate my payment, and they took my payment for XX/XX/XXXX and applied to to XX/XX/XXXX. My XX/XX/XXXX payment was for an extra XXXX dollars that was supposed to go toward my principle. They used some of that money to pay the late fee from the previous month. I paid XXXX to fax them proof of the electronic debit. They still said this is insufficient. Basically there is XXXX missing of mine. XXXX says they sent it to Key Bank and they say they never got it. I am now considered behind on payments. Key Bank 's customer service is more than poor. It has been despicable. No one knows what each other is doing and they do not respond after promising to get back in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX i called in after finding out that this collection account was still on my credit report. On XX/XX/XXXX i called in when finding out that this was on my credit report and paid the balance owed. I was told that this was going to be removed once paid. Only to call Macys and find out why it was still on there I emailed the CEO and XXXX called me on his behalf. She confirmed that the account was paid via email but not removed. " RE : Macys Account Ending In XXXX Dear XXXX XXXX : This letter will confirm that a Macys account ending in XXXX in your name, had a balance of {$320.00} and was charged off on XX/XX/XXXX. On XX/XX/XXXX, the account was settled for an amount of {$160.00} and that amount was paid in full on the same day. If you have further questions or concerns, please do not hesitate to contact me at the number below. Sincerely, '' I am in the process of buying a house and this is really impacting me for getting approved. I am requesting that you please remove this debt AS i WAS GIVEN FASLE INFORMATION. XXXX XXXX Macys Executive Office Phone : 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 2017-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Need promissory notes to participate in Federal Loan Repayment Program. This started back in XXXX 2017 when I requested them. I did receive a promissory note, but it was rejected as the wrong one. I chatted and asked Navient about this and they said that was the only one. Later they acknowledged there were others and stated the correct one was " processed '' XX/XX/XXXX. Today, XX/XX/XXXX, I am still waiting to receive all the promissory notes for the loans. I do n't understand the delay, as today I am told they will not receive them until XX/XX/XXXX I do n't understand why Navient does n't have these documents. Since they are not sending the original, why ca n't they just send the pdf via email? Still waiting for more than a month on these promissory notes which are ESSENTIAL to my participation in the Federal Loan Repayment Program as an XXXX XXXX -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted this collection company and disputed this charge many times as well as with the Credit Bureau directly. The collection agency has no right to place this on my credit report due my health Insurance paying both of these bills directly to the original creditor. I want the item removed immediately. There are two bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$700.00} account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1000.00} account number XXXX I want these items removed as they should have never been reported to 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 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I paid a debt settlement to a third party collection agency collecting on behalf of TD bank ( XXXX XXXX XXXX ) TD bank updated my account as settled but also re-aged my account with XXXX and possibly the other agencies. Originally before paying this settlement it showed this account to be removed from reporting on XX/XX/XXXX now it shows to be removed on XX/XX/XXXX.The date of first delinquency was XX/XX/XXXX. My report shows OK for payment on XX/XX/XXXX and then delinquency the following month. This is how they re-aged the account. Also they keep reporting monthly as charged off after I 've settled this account to the credit reporting agencies which is keeping my score down monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Utah Loan Servicing, LLC
State: TX

Complaint narrative:
This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27 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:
I owe a little over 5,000 to navient and I 'm struggling paying the payment right now and I ca n't seem to come to an agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Under the new law dated XX/XX/XXXX any public record must include name and address as well as dob or SSN I 'm order for it to be included in your credit file. The credit bureau has not updated this information and per the new law true bankruptcy tax liens listed does not include this information thus the bankruptcy and tax lien should be taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a capital one business credit card. I paid the balance off in XX/XX/XXXX to a XXXX balance .I did not receive a statement from capital one. I checked my credit in XX/XX/XXXX and discovered that capital one reported a 60 day late charge. On XX/XX/XXXX I called capital one. I was told that since my email was not opened from them regarding statements they discontinued sending paperless statements .They wo n't send a statement in the mail if I signed up for paperless. I advised them I have not been late on a payment before and if I am not informed of a balance by statement the bill will go unpaid. The charge was a revolving $ XXXX daycare that should have been discontinued. Due to not receiving a invoice paperless and it not defaulting to the mail I was not aware of a balance and it dinged my credit XXXX points and more than {$250.00} in late fees. I spoke to a rep and a supervisor and account manager and was told by Capital one they do n't send an invoice if the email goes unopened for a period of time. I asked them why they would not call me or send it the mail and They could not provide me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XXXX XXXX, 2017 I made a payment via the IVR in the amount of {$38.00}. I noticed that Synchrony Bank drafted my account twice causing overdraft and my mortgage payment to bounce. I called synchrony and they stated they 'd mail a check with 2-3 weeks. That is simply not acceptable. I live paycheck to paycheck and ca n't wait 2-3 weeks for a refund. They stated that only one payment was set up thru the IVR and could not tell me how the other payment was made other than automatically. I did not authorize 2 payments and only submitted my bank account information once on the call.

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 monetary relief