vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX, we my husband and myself took out a loan with XXXX. Not realizing I should have educated ourselves a little better on School loans. My daughter is also on as a co-signer, later on approx.XX/XX/XXXX, I asked about removing our daughters name as a co-signer. XXXX instructs us to follow the rules and regulations for this to happen. I had to become current, since we did have some late payments, deferments, etc. It took us a while to maintain current payments at that time because we were also in one of those upside loans on our mortgage. After doing a short sale on the house and giving it back to the bank, things were becoming worse with my health. we decided to move out of the area to a smaller less expensive town so things would be more affordable. I always kept in contact with XXXX, finally maintained on time payments for 24 month as we agreed upon in order to release my daughter as a co-signer, then re-negotiate the loan. In the middle of this process, XXXX sends us a letter stating they are having a name change to Navient. My health is deteriorating and becoming worse, so I am no longer working. Navient has a new set of rules and tells me we do not qualify for release of a co-signer, my husband is retired and taking care of me, also maintains a part-time job with one of the XXXX XXXX XXXX So for the last two to three years we have been calling them, trying to negotiate new terms, and they are refusing. We are paying them on a regular basis, with our daughters help sometimes because of medical bills. They are telling us we have no benefits, wont even look at lowering the interest rate since our credit scores are better now then they have been. We are at 10 % variable and currently has just gone up another {$10.00}, which might not sound like much but it does make a difference when your payment is already over {$330.00}. Only {$40.00} is going to principal, at this rate we will be paying this forever! We need help, I 've checked into personal loans but now they are over 12 %, which would give us an even larger payment per month. I have asked to speak with managers, they refused, I have asked to write a letter to the lender, they say cant tell me who that is, I do n't know what else to do.? We do n't deny we owe them, we are just looking for a little breathing room. Everyone else regarding our creditors have been so accommodating, IRS, State treasury, Hospitals, even a second student loan has dropped the payment amount. I do n't understand why they wont work with us. What else can we do as consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
Note : There is no account in collections/judgement/credit reporting on my credit report and most importantly record is not available as it should be online when searching for court cases  (  judgment ). I was never notified about any debts, or aware of any debts, even to this day.  <P/> I initially was garnished in  XXXX  of  XXXX . The Creditor is  Valley Empire  Collections in  XXXX , WA. The garnishment reflecting on my paycheck was the initial notice about this debt. I found out that there was an alleged debt  XXXX  transpiring from  XXXX   XXXX   ( who clos ed  XXXX  ). Due to the age of the account I could not even recall the debt in addition there was no communication received from the agency or  XXXX . I was disappointed to find out that I would be garnished for a debt i do not recall, or be charged for allegedly terminating a contract when actually the company shut down.I have not been billed for, and for a company that closed in  XXXX . In all of my ( and famil y )  communications with the agency since  XXXX   XXXX   (  maybe  4/5  calls ) they have failed to advise that they were a debt collector or the mini/recorded miranda, so i can not confirm if calls were recorded. I have yet to receive any validation of debt and the agents seems irritated or not wanting to help when requested. It is my understanding that though i am being garnished 11 years after the agency retained the account that somehow i can be still be garnished due to an apparent judgment for it almo st 10 years old.  It is wrong to let an account sit like that with no communication/consumer knowledge, let it build interest maybe 80 % more than the initial balance and then decide they can garnish the consumer. I thought the FDCPA/FTC laws were here for the consumer. Waiting 10 years not only complicates the balance as it accrues interest but it contradicts the statue of limitations and that is the biggest failure, having laws to protect consumers that in this case ca n't apply per the agency. I would like this complaint to include the agency as well as the FTC as i feel these laws are more so here to protect the debt  collectors  versus the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''

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 2017-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to fix these problems cre dit bureau- My lawyer and I are getting ready to file a lawsuit.      Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On   XXXX   XXXX    2017  I b ought a   XXXX   XXXX   XXXX   from a company named " from  XXXX  '' the order arrive 9 days later after being stuck in  XXXX  customs for a week. When the order arrived the box was damaged ripped from one side and inside instead of the   XXXX   XXXX   I ordered there were some supplement pills. I contacted the seller and they refused to refund or exchange or help in any way. They said there 's nothing they could do. I contacted capital one do file a dispute against the company however they decided on the sellers favor because their terms state theha rent responsible for lost or stolen packages or wrong items being shipped what is this ridiculousness?!?!?!?! The web site from  XXXX  is in  XXXX  and it 's hard to use it and very sneaky with their insurance process and policies they are basically hidden! Not only did I get re-billed but I also send the merchandise I received back to the seller so I got left with nothing! Cap ital one custo mer service was horrible as well! They took 95 days to get back at my and notify me I was missing document for my dispute!! 90 days is already the deadline for resolutions on disputes and last minute is when they were " trying '' to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: MO

Complaint narrative:
XXXX XXXX IS REPORTING 2 COLLECTIONS ON MY CREDIT REPORT ONE IS FOR XXXX OPENEDXX/XX/XXXX. AND ONE FOR XXXX OPENED XXXX. I HAVE NOTIFIED XXXX XXXX AND LET THEM KNOW I WAS A VICTIM OF IDENTITY THEFT IN THE PAST. I SENT A LETTER TO THE CREDIT BUREAUS AND FORWARDED A COPY OF THE POLICE REPORT AND IDENTITY THEFT AFFADAVIT TO THE COLLECTION AGENCY AND TO THE CREDIT BUREAUS. I ALSO HAVE A ACCOUNT WITH XXXX XXXX FOR XXXX OPENED XX/XX/XXXX. I HAVE NO KNOWLEDGE OF THESE WIRELESS ACCOUNTS. IF MY IDENTITY HAS BEEN COMPROMISE IT IS THE RESPONSIBILITY OF THE CREDIT BUREAUS TO REMOVE ANY NEGATIVE INFORMATION FROM MY CREDIT REPORT AS A DIRECT RESULT OF THE IDENTITY THEFT. THE COLLECTION AGENCIES HAVE FAILED TO RESPOND TO ME DIRECTLY AND THE CREDIT BUREAUS SAY THE COLLECTIONS ARE BEING VALIDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: NY

Complaint narrative:
This is regarding a {$71.00}  XXXX  bill from over  3-5 yea rs ago. This collection was paid in cash at a  XXXX  store in  XXXX ,  XXXX  on  XXXX   XXXX   XXXX . This collection has been removed and relisted on my  credit score 6   times in the past 2 years. This account continues to be sold, disputed, removed, and resold. My   XXXX   credit report shows that the current agency is marking my collection as a LATE PAYMENT as well as a COLLECTION. This is unlawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had my account for with this bank for more than four years, and I have made 100 's of money transfers. This time the account would n't allow me to make the transfer without changing the date to reflect the next day, even though it was at  XXXX  on the first. I was to make the date the second, which was correct. When I did the bank then charged me two overdraft fees. When I spoke with a bank official I was first told that I did n't make the transfer until   XXXX   XXXX  , and when I told the bank official that I could prove that was n't the case, she then changed her story to the cut off time is   XXXX   XXXX  . When I told her that the years of my account would show that has never been the case, and that no correspondence that the bank provides has ever stated the cut off time as   XXXX   XXXX   XXXX   <P/>
She then told me that the bank would only allow her to return one of the overdraft fees and that she would n't be able to return the other. When I asked why is it only one of the fees can be returned and not the other she stated she was n't able to tell me that. I told her that this to me appears to have been done intentionally. I further explained that if the cut off time was   XXXX   XXXX    why is it  that my direct deposits do n't show up until after   XXXX  , she claimed that was when the bank received the money, which I know is not true. When I reminded her that she could look at the history of my account and it would be able to tell her that 's not true, she said that had no bearing.
<P/>
I would like my overdraft fee of   XXXX    dollars returned to my account as this was n't my fault, and was done intentionally. I would also like my deposits to reflect when they arrive at the bank not when the bank wants to give it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
My vehicle is finance d with Ally Financial. I received a call from Ally Financial   XXXX   XXXX ,    2017  stating they had issued a repossession order for my car because of the other charges on the account for the repossession fee. My vehicle has never been repossesse d Ally added those fees to my account and I do n't owe them. I would appreciate your assistance with resolving this matter. I 've been harassed by Ally  every since I 've purchased this vehicle. Ally does n't mail me a monthly statements reflecting my monthly payments and the balance of my loan. I need to know what the loan balance is and a statement reflecting my payments being posted to my account 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 2017-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One pulled my XXXX credit report twice onXX/XX/XXXX and XX/XX/XXXX, and my XXXX credit report on XX/XX/XXXX without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after Capital One pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.
<P/>
I have sent a letter and made multiple calls ( XX/XX/XXXX and XX/XX/XXXX ) on the matter and yet they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inquiries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and Capital One remain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd like to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.
<P/>
Capital One must remove these inquiries from my XXXX and XXXX reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: MO

Complaint narrative:
Experian refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required. Experian XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXXXXX-PLEASE DELETE XXXX XXXX  XXXXPLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXXPLEASE DELETE XXXX XXXX-PLEASE DELETE XXXX XXXXPLEASE DELETE XXXX XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXXPLEASE DELETE XXXX XXXX XXXX-XXXX-PLEASE DELETE XXXX XXXX XXXX-PLEASE DELETE

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 2017-06-02 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: GA

Complaint narrative:
I have tried to fix these problems cred it bureau- My lawye r and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX  -    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  This is my last time before I sue all  XXXX  credit bureau

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 2017-06-02 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: GA

Complaint narrative:
I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX  I checked my credit report on  XX/XX/XXXX  and I had a total of   XXXX   collection accounts &   XXXX   hard inquiries removed from my report. I checked my account again on  XX/XX/XXXX  and I saw that all  XXXX  collection accounts &   XXXX    hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to Transunion but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from  my credit file after theyve confirmed and validated the accounts as false. Also since then, Transunion has added a recording that can be heard when calling their toll free numbers  (  XXXX  )  XXXX   &   (  XXXX  )  XXXX   explaining and admitting to technical issues taking place on the dates between XX/XX/XXXX  XX/XX/XXXX  &  XX/XX/XXXX   XX/XX/XXXX  that affect account and inquiries being removed and added back on.

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 2017-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have never Had a contract with them and I explained that i do not owe  Portfolio Recovery.

Company response to consumer: Closed with explanation