vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Issue # 1 My name is XXXX XXXX and I have been making payments on my private student loans to Navient since XX/XX/XXXX. Here is the problem : - My original principal issued on XX/XX/XXXX is {$5000.00} - My current unpaid principal is {$5500.00} - My number of payments since XX/XX/XXXX are 72 payments totaling to $ XXXX*.

* Includes {$130.00} of fees, {$4100.00} of Interest, {$1300.00} applied towards Principal.

- Total Capitalized interest by lender on my account is {$1900.00} which is disabling lowering my principal.

Navient keeps increasing the interest rate, currently 12.375 % This is absolutely 150 % UDAAP predatory practice. Navient is a thief. My lender is disabling me from ever paying off my student loan.

Issue # 2 My lender is discouraging me from releasing my cosigner due to some of their requirements to release the cosigner, while other lenders don't have these requirements : " The borrower must also provide documentation of the following : Proof of graduation or successful completion of course of study. '' I did complete those courses years ago in XX/XX/XXXX/XX/XX/XXXX but it is a hassle getting those transcripts. Yet, I didn't finish the program. Every time I call Navient about this issue, they refer me to the " form '' like it is above the Federal Lending Regulations. 
Therefore, I can't release my cosigner given all the payments I have been making, which is disabling my cosigner from getting a lower rate for a business loan for their business. 
Ultimately, this is disabling me from being financially healthy and affecting my relationship with my cosigner.

Navient doesn't seem to be an ethical lender at all. Navient is a Champion of UDAAP when it comes to lending. Shame on them. ( definitely going to XXXX ).

Per my research, Navient did the following : - created obstacles to repayment by providing bad information ; - Definitely processed payments incorrectly ; - failed to act when I complained ; - illegally cheated me out of my rights to lower payments, which caused me to overpay for my student loan ; - deceived me about requirements to release my co-signer from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I have 2 portfolio recovery collections accounts that were XXXX XXXX  accounts that I had removed months ago after disputing them Because they were not my accounts and recently they were added back to my credit and Ive talked to portfolio recovery and let them know that they were not my accounts.

One account is in the amount of {$550.00} XXXX XXXX The second XXXX XXXX is {$370.00} Its also a XXXX XXXX XXXX   account in the amount of {$1700.00} in which Ive been disputing for years and a XXXX   department store account in the amount of {$380.00}.

These accounts were opened by someone else using my info around the same times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have four medical colloctions for XXXX Aargon Agency. Three bills was for XX/XX/XXXX and XX/XX/XXXX. I was on food stamps and was not working due to mental anf XXXX  XXXX pending decision by Social Security ; which finally got approval in XX/XX/XXXX. I also received another bill for a emergency room visit in XX/XX/XXXX. I was under XXXX at that time so it should have been paid. These are on my credit report and have a huge negative inpact on my score.

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 2018-08-19 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: One Technologies, LP
State: PA

Complaint narrative:
I had an ad on the page at the site where I pay my electric bill. It was XXXX  Credit Report offering a FREE credit report from 3 different credit scorers. " " XXXX Official | Get Your XXXX   Report '' I have never done this before. I am a senior living on SS and wanted to know my score. I clicked on their ad. It was explained to me that they would take {$1.00} out of my card but would refund it to me. Today I went to check my bank account online. I saw a company I did not know OTL*ScoreSense had taken {$39.00} out of my bank account on XX/XX/XXXX without my knowledge or permission. I can't afford this and to me it is theft. I put OTL in XXXX search and saw many complaints that this company had did this to may others some had not noticed it the withdrawal or fees for months. The company directs callers to XXXX XXXX where their customer service representatives are located. Everyone is told the same thing that they have no authority to reimburse or return money. It is Saturday so I have not tried yet but don't expect any other response. The company also will not close " your account '' where they claim they are protecting your credit cards from fraud. They are the frauds. I never asked for this service or signed up for it. I had given them my information on XX/XX/XXXX under their direction they needed the {$1.00} but I would be refunded. That {$1.00} was taken out by OTL*ScoreSense and wasn't refunded. I am worry sick they will not refund my money and take more after reading the FTC and the states of Ohio and Illinois brought lawsuits against One Technologies, owners of ScoreSense, in XX/XX/XXXX. Most of settlement money -- XXXX XXXX was refunded to customers and that was closed in XX/XX/XXXX. Here they are continuing the same fraud today in my state Pennsylvania and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.

This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. THIS COLLECTION AGENCY AND PRIOR/POSSIBLY NEW ONES ARE AFFILIATED WITH THE ORIGINAL CREDITOR AND COULD POSSIBLY REMOVE THE DEBT THAT IS NOT VALIDATED AND RETURN DEBT TO ORIGINAL CREDITOR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am LIVID!! I called in by phone this morning on XX/XX/2018 around XXXX XXXX  to make a payment on my credit card using my DEBIT card. When I called and was attempting to get though the prompts it automatically routed me to an agent. When the agent answered I informed him I was just trying to make a payment and wasn't sure exactly why the system routed me to him but I didn't request an actual agent. The agent proceeded to tell me that I needed to verify potentially fraudulent activity ( a {$2.00} charge from 6 months ago! ) or my account would be locked. I told him I was driving and that I make lots of charges using this card and it would be impossible to remember that without viewing my records/ account. I requested a supervisor assist with the call because the agent was rude and talked over me the entire call! He stated he'd get a sup and NEVER returned after nearly 20 minutes of holding! I ended up hanging up and calling back to make a payment to the card on the automated system w/ my DEBIT CARD ( which per your policy is available immediately when made via a DEBIT CARD ) But due to the negligence of your staff my funds were NOT made available immediately and held vindictively!! I called and spoke with several agents and supervisors, I answered the questions regarding the charge and still my payment of {$220.00} was held for no VALID reason!! I missed my car reservation because your agent sabotaged my account and refused to release the funds!! I was embarrassed as my transaction declined after being assured by your sarcastic supervisor, XXXX that my account was in GOOD standing AFTER I answered her questions regarding a " supposedly fraudulent transaction!! '' If this was such a BIG issue WHY wait until I call to make a payment to discuss this??? I should have received a letter, text, email or phone call with questions, BUT I never received ANYTHING informing me there was a potential issue!! My payment should not have been HELD today!! There was NO reason to hold my funds, only that your staff ( the 1st agent I spoke with and potentially XXXX ) blocked the transaction from being available immediately in an effort to be spiteful!! Why was I not informed there was an issue prior to me calling in making a payment while in an emergency situation!!!! This is ridiculous and something needs to be done! I have filed a complaint on this company before for NOT advising me of sensitive information regarding my account properly, when needed and I see that hasn't helped!! My funds are still NOT available AND IT XXXX EST!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My problem is that I tried to get my Annual Credit Report just now on XXXX at XXXX XXXX  and I went to print it and it Disappeared, and now it says I can't have for 12 more months. 
Please HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Cell XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
IN REGARDS TO : COMMON WEATLH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX. I HAVE NEVER RECEIVED A 30 DAY NOTICE VAILDATE OR VERIFY IF THE DEBT WAS MINES. I AM A VICTIM OF I IDENITITY THEFT AND THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND YOU ARE REPORTING IT TO ALL 3 CREDIT BUREAUS WHICH YOU MUST REMOVE IMMEDIATLEY. 
I would like to let your company know that I am disputing your claim. The account was opened fraudulently and forgery was committed and the account does not belong to me, and if you can not provide me with a contract or documentation of agreement that has my signature then remove the negative item immediately.

Under the FDCPA, I am allowed to request validation for a collection. As you know, not complying with FDCPA will put your company in a bad position with the FTC and CFPB.

I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned the debt from the creditor.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof of how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Copy of the original contract bearing my signature.

8. Chain of title on this debt.

9. Proof that you can collect this debt from me.

10.Do you own or is this debt assigned?

11.Copies of all letters sent to me from you the original creditor regarding this debt.

12.How much did you buy the debt for?

13.When was the last date a payment was made on this debt?

14.What fees/interest was tacked onto the debt?

15.How were the fees determined?

ONCE THE ACCOUNT HAS BEEN PROPERLY INVESTIGATED AND VALIDATED AND VERIFICATION THAT I'M RESPONSIBLE FOR THE ACCOUNT I EXPECT A RESPONSE ON THE CFPB SO CAN BE SEEN THAT THIS IS FRAUD AND VERIFCATION CAN NOT BE PROVEN ON YOUR END.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Comerica
State: NY

Complaint narrative:
I Have and Account Overdrawn {$360.00} With XXXX XXXX For A Transaction From XX/XX/XXXX that i did not do and XXXX XXXX has not Remove the Charge and The Account Has A Negative Balance For A Transaction From XXXX XX/XX/XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - Account Created The last week of the preceeding month was the month the company was contacted. 

The account history since creation has been somewhat consistent with payday loans but three existing mentions are using both payday and closed-end loan, and credit code type references. The payment dates were brought into standing. 

The original agreement was monthly repayment which was switched to bi-monthly after the agreement and verifications were complete. 

The company after a call about the payment change and the schedule, would not communicate about the difference and continued throughout. 

For the months of XXXX of this year, XXXX, the company has extended the preceeding month 's second payment to the following month at a fixed rate of approximately {$95.00}, with no more than {$12.00} fee for late payment which was originally to be included in a monthly payment minus the lateness. However the balance never reflected the dollar value balance supposed accurate. Payments of {$130.00} twice monthly minus a {$95.00} dollar admin, and fixed loan fee, {$3.00} per {$20.00} advance fee, and {$12.00} late fee is a few to many fees per code reference, with no mention for the coexisting references to credit, and the codes for loan ( closed end or open end ) does not seem accurate for an {$800.00} line of credit, nor loan or advance in the state of XXXX XXXX  or XXXX though the company sevices both. 

The schedule for credit is 30 days, and loan 28 days, whereas the advance has two options bimonthly and monthly. 

The repayment lapsed two months during an emergency leave of XXXX XXXX the state the account was created, and into XXXX. With one year of repayment and borrowing, their calculations still seem inconsistent with fixed rates and fees with no explanation and the balance not reflecting payment nor fees I read in the communications with the company. 

They were helpful in time I needed cash fast, but the understanding is different, and those three types of crediting laws are ambiguously not differentiated in the company word usage. 

I think an other reason, such as additional unnecessary information was gathered, for the inconsistency was present.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CORELOGIC INC
State: CA

Complaint narrative:
Case number XXXX was incorrectly closed without any action or resolution provided. The company illegally making the credit inquiry, CREDCO, provided a blanket disclaimer that they were a third party and would audit XXXX XXXX 's permissable purpose. They did not provide any result or position on the matter. The case was closed without their audit resolution or intentions. I am requesting the issue be reopened until CREDCO completes their audit and removes the false credit information or provides evidence that I applied for a loan -- evidence which does not exist. XXXX XXXX 's telephone calls attempting to get me to refinance 3 months after my home purchase were 100 % rejected repeatedly. 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 2018-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
After I consolidated my student loans I have been on the income based repayment plan since im pursuing the public loan forgiveness program. I certified my employment with XXXX XXXX on XXXX of 2017 and soon after I received a letter stating that I had 81 qualifying payments. Fast forward to this month and I logged into my online account. XXXX XXXX updated their system and to my surprise they only have me with thirty something qualifying payments. I contacted them for help with out any luck. They we're rude condescending and they said that I was not on a qualifying payment plan. That is incorrect because I renew my eligibility every year and I have certified my employment twice. I'm worried that their mistake will make me have to continue making payments when I should be eligible for loan forgiveness. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding the case XXXX with XXXX  and the case XXXX with Wells Fargo. We have done some extra research and checked carefully and indeed there was an issue with Wells Fargo, I never requested that but they put a dispute in my account. It seems that they do this kind of things to protect the customers from identity theft ( they could be other reasons too ), in doing so they put a credit freeze on the data of the affected clients, in other words they block the access to their credit files. 
I do not know why they decided to do that but it was negligent from them. The credit reporting was frozen and we did not know about that, when we realized that we called Wells Fargo and requested the removal of that but they said that it would take weeks. In order to speed up the process we had to pay a fee of {$240.00} to the XXXX ( XXXX XXXX XXXX  ) as you can see in the attached document. Anyway because of all the time wasted because of the negligence of Wells Fargo, we could not get the credit reports on time and we lost the house and the time and money invested in the process. We paid a fee of {$370.00} for the required house inspection, money that we also lost. 
In the case of XXXX, we were also calling them many times and talking with different people about our problem with the credit reporting, we were following their instructions, we gave them all the information requested and even we submitted all the requested documents in Black and White PDF files ( as requested ) through their official webpage but still we could not have the credit reporting. We are not sure but this problem with XXXX could have been the effect of the dispute that Wells Fargo put on my account. 
I am attaching here the copy of the email that my wife sent to me requesting the conversion of some documents to Black and White format and my reply with the documents. We already had the other documents in B & W format. I am also attaching a copy of the screenshot from the official XXXX  website after successfully submitting all the required documents.

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 2018-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, after blocking me from accessing my credit report from " XXXX '' ( a prior complaint ), is now blocking me from accessing my report to file a dispute as well. Again, this issue is specific to Experian, I was able to submit the same dispute to XXXX and XXXX without issue -- only Experian has blocked my ability to do so. 

I have now signed into my Experian " Dispute Center '' account twice ( thus, I have already been registered and identified -- confirmation of identity should not be the issue ), but each time I am told that my file can not be loaded, specifically the site advises : " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' ( Screenshot images of my attempts attached to complaint ) There is no explicable reason why I am being blocked from submitting a dispute on multiple occasions.

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 2018-08-19 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a trial subscription to a newsletter from XXXX XXXX. He runs a site his view of investments and the stock market. The invitation clearly showed that if I was unhappy and closed the account before the end of 30 days, my {$99.00} would be refunded. I cancelled the account before 30 days were over, but they company said that they no longer offered refunds. I filed a dispute with Citibank, which owned the card that I used to for payment .I received an email from Citi this week. The email said that they needed more information and referred me to their website. There was no information at the website. I called up Citi and  they told me that the information would not be available until Monday, even though the email did not say anything about this. THe agent told me that I could send the info by email They needed the letter of cancellation and the invite that showed they offered a refund. Unfortunately, the agent gave me an email address that does not work. I am tired of spending all time needed to get Citi to respond to this dispute. I just called Citi again and their computers are down now. Their service has deteriorated dramatically.

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