vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 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:
XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have paid {$74000.00} in interest and my balance is still at XXXX i have been verbally denied financial assistance based on cosignor income and navient wont allow me to remove cosigner please help me last payment made on XX/XX/18 in the amount of XXXX ... {$28.00} was applied toward principal and {$580.00} was applied to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX Dear Sir or Madam : In XX/XX/XXXX Out of the blue JP Morgan Chase arbitrarily closed my account. This was after my mother is a XXXX survivor who is over XXXX years old and for whom I have a general power of attorney and take care of her bill paying was questioned about a transaction. She is also XXXX  XXXX. 

I have reason to belief that a mentally disturbed family member for whom I have an order of protection initiated this situation. This individual has ben harassing me and other members of my family for a considerable amount of time. 

The bank initially was satisfied with her response. However within 2 days they closed the account of a XXXX year old XXXX XXXX person. 

Soon after for no reason my account was closed as well. I tried to reach out to the corporate offices of Chase and make great effort to find out what happened and to restore my account as well as my mothers but I was unsuccessful. In addition the people I spoke to were not only unhelpful bu exceedingly rude. 

I should add that I have had an account with Chase since XX/XX/XXXX and took care of my ailing father before he passed away for over 25 years as well. I am now taking care of my mother for over 28 years. 

I went so far as contacting a prominent Television reporter who was interested in doing a report on what happened. 

I have since managed to open an account at another bank but this week I had reason to go to a branch of Chase regarding another issue and a manager using my That is a very serious unsubstantiated accusation and given this information I have no choice but to submit this complaint. 

I have no interest in having an account again at a disreputable bank like Chase but I can not and will not accept or tolerate a derogatory accusation be associated with my name. 

I hope that my complaint will hAve the desired effect of removing this derogatory unsubstantiated accusation be removed from my name. However. I will not let this unfair matter stand and Chase ought to know that I have already retained an attorney and will if necessary hold Chase responsible and liable all damage i have incurred now And in the future Enclosed, please find the letter from Chase stating that they were closing my mothers account and a similar letter was received by me too. 

Also please find a letter from her Doctor stating that she is XXXX  XXXX. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: WI

Complaint narrative:
I have submitted the forms for an Income based Repayment Plan for my loans handled through Navient several times since XX/XX/XXXX. I did once in XX/XX/XXXX, once in XX/XX/XXXX, another again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying that they don't receive them. I did XXXX XXXX XXXX XXXX at the same time in XX/XX/XXXX, and they received their documents and I am under a IBP with them. 

Navient keeps having me resubmit. They say they got it, and looks complete but they need me to resubmit it since it wasn't processed last time. 

Also they have the same loan repeating on my credit score multiple  times. I have asked them to fix this and they have not, and I have asked them to combine the student loan in to one loan under one account, they have refused at this time. 

These loans were for XXXX XXXX and XXXX University, both of these institutions have closed due to fraud and accreditation issues. I have applies for these loans to be dismissed as employers do not take my degree seriously, and if I want to continue my XXXX degree I would need to start completely over at a new school because the credits despite being told they would, will not transfer. 

So ontop of paying for something I should not have to due to fraud, misrepresentation, and accreditation, dealing with Navient is getting out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loan provider, Navient, has repeatedly provided misleading information about accrued interest and most recently when I set up auto pay in XX/XX/XXXX around the first of the month when my payment was due, the customer service rep stated that my payment is not due until XX/XX/XXXX. She made it sound like I was ahead of schedule on payments so I wouldnt have another payment until XX/XX/XXXX, therefore skipping my XX/XX/XXXX payment. When XX/XX/XXXX came around, none of my payment went towards the principal because I had accrued double of what I normally pay per month. When I called to ask why today, I was told that they moved the date to XXXX as a courtesy. This, to me, among other things is very misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NC

Complaint narrative:
Back in XX/XX/XXXX i uploaded a new copy of a police report of fraud of someone using my identity to purchase cars and credit card loans, I also uploaded the public copy of the police report from the website wake county.gov and sent in my Driver license and SS Card and once a week i call in and talk to a fraud agent at Experian to make sure all the fraud address are still blocked and to make sure everything is in order on my credit file with Experian. Experian back in XX/XX/XXXX verified the police report and blocked several items on my credit file the was fraud, But in XX/XX/XXXX on my Experian Credit File the fraud address that were blocked are showing back up on my credit file with new car loans and credit card loan. Now of XX/XX/XXXX the police report that was update showing the fraud address on the actual report and which its the same police report i filed and Experian verified now says its a fake and it wasn't verified. I worked for XXXX  consumer Affairs for several years and have always heard that Experian Verif team is a joke! I honestly called the Police department up when i was one the phone with the lady From Experian and verified the police report. she stated it wasn't her problem and she agrees that the verifcultion team at Experian isn't good. I will attach all the police reports to this complaint and plus i got a email yesterday which was the XX/XX/XXXX and stated that the items i deputed were removed and blocked and all addresses were removed and blocked. Never happened. i want those accounts removed and blocked or ill go to the courts and civil action protect my rights, Credit bureaus must report good information not fraud information and the bank never needs to show any proof to have it unblocked, Thats against the fair reporting act. Remove now please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I pulled my credit report to provide to a loan company to co-sign for purchase of a property. I saw the entry for ICSystem & reported it as an incorrect entry to the credit bureau. Within 2 weeks, I received a notice from ICSystem regarding a XXXX account totaling {$300.00}. I have not had a XXXX account for a number of years & have never received any correspondence from ICSystem or XXXX during that length of time. I believe this is a fraudulent attempt to collect money where none is due or owed. I have requested any/all documentation that exists regarding this alleged balance due.

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 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Back in XX/XX/XXXX, I had attended a school called XXXX XXXX XXXX XXXX XXXX for a certification program for computer programming. The original loan was with Sallie Mae taken for the amount of {$11000.00} at 13 % interest. I have had payment issues on this loan in the past and had the load deferred and in forbearance and missed a lot of payments. 

Well today the loan is with Navient since they bought Sallie Mae and today the balance of the loan is now at $ XXXX@ 12.25 % I believe there is a lot of invalid information on this loan that is invalid and below lists the possible issues 1- Loan was taken out in XX/XX/XXXX through Sallie Mae but according to Navient, the repayment start date is XX/XX/XXXX 2 - Original Principle was for {$11000.00} today the balance is {$13000.00} 3 - Interest Rate was at 13 % and now at 12.25 % and it is variable 4 - The school I attended was XXXX XXXX XXXX XXXX XXXX - Which is no longer in business 5 - School that Navient has listed is " Direct Loan '' this is not a school and nor did I ever take a loan out with Direct loan going to this school. 
6 - Looking at Payment history on Navients Website only goes back to XX/XX/XXXX but disbursment happened on XX/XX/XXXX according to Navient 7- Since inception of this loan, I have paid a total of {$22000.00} with late fees, payments, forebarences, etc 8 - I contacted Sallie Mae to talk to them about loan forgiveness and they started asking a bunch of questions. They asked me where I lived and I gave them the address of where i lived at the time. I lived with my girlfriend so they asked me where i lived and I gave them the address, They then told me that the house I lived in ( Not mine but my girlfriends house ) was worth a certain amount and thus told me to take out an equity loan to solve the debt. How do I do that on a house that is not mine? 

I feel that I have been suffering with this loan for a longtime now and have paid the borrower double at this point and am looking for some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account is not being reported on my XXXX  credit report and there are several 30 day late payments that are not accurate. Being that the account is not reporting on my XXXX credit report, it leaves me to believe there is some kind of internal error as well with the late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I disputed two accounts via certified mail asking for valid proof ( ie signed contract, or payments made by me toward these accounts ). According to FCRA these companies have 30 days to provide validation and have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from XXXX or XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted the credit bureaus to initiate a credit investigation of incorrect items on my credit report. Well over 30 days have passed. XXXX   has responded, but I have not received anything back from Equifax or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by portfolio recovery associates LLC phone # XXXX- XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
About six months ago, my credit rating experienced a sharp drop even though I had made no purchases, opened no new accounts, or taken any other applicable action for many months prior to that unexpected and unjustified reduction. 
I contacted each of the three major credit companies and received a response from only Equifax. But their response did not address my question at all ; they merely sent me a copy of my credit file ( many many pages of past accounts ). My review confirmed that there was no obvious justification for a reduction I went back to Equifax three times since then, explaining that I didn't want anything more than an explanation of why my credit rating had been reduced ; but all I received each time was a two-page letter that said the results of their Reinvestigation was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute '' all of which, each time, completely unresponsive to my request. 
It seems absolutely ridiculous that the formulation of a credit rating should be based on such obscure criteria that the public can never figure out why a reduction or increase has taken place. I believe it is critical that whenever a change is made to a person 's credit rating, the credit bureau should be required to notify the person affected exactly why the change took place - especially these days when so much of what happens in a person 's life depends on his or her credit rating. The current system is almost as bad as if a doctor refused to tell a patient what exactly made him sick, even though the doctor knows full well exactly what the cause was ( How can a patient possibly avoid the same problem unless made aware of what caused the sickness? ). 
In any event, I would definitely like a simple answer to my very simple question : What caused the reduction in my credit rating??? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I co signed for a loan for my wife at the time. When we got divorced, she filed the paperwork to release me from the loan, and Navient told me I was no longer on the loan. 7 years later, I find out I still am. My now ex wife has now continued to try and release me from the loan, but Navient is now saying that it's not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: NY

Complaint narrative:
There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data

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 2018-07-17 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: NY

Complaint narrative:
There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data

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