vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
1. General Revenue Service has charged me outrages fees that were added to the loan each time I was late. In all, GRC has added more than {$4500.00} in fees to my loan. I believe GRC conducts predatory lending practices in order to add to the load to make it easier to transfer to different lender 2. Between XXXX and XXXX, I was employed at a XXXX XXXX in the XXXX XXXX in XXXX XXXX. Arizona, Working in this area qualified me for a loan forgiveness program, Under this program, I XXXX full-time for XXXX complete and consecutive academic years and was an XXXX XXXX XXXX in a XXXX XXXX that served low-income families. my former district filed the paper work on my behalf, but the student loan services agency did not process it. I am reaching out to you because I have made many attempts, both via the phone and in writing, to communicate and try to settle this matter, with Navient and GRC but was not successful

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My Loans was paid off and I received a letter show paid in full. Then it was referred over to  Navient  stating that I still owe on the loan. Each time I call they tell me they are freezing the account for investigation and all they do is add more interest and extend the years on the loan, not investigating. One lie after another with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is  XXXX   XXXX ,  XXXX   XXXX  and today  XXXX   XXXX   XXXX  reported for the incorrect date of removal  XXXX   XXXX   XXXX  Date :  XXXX  unspecified Reason : This inquiry is scheduled to continue on record in  XXXX   XXXX . That inaccurate it should be  XXXX . They refuse to remove.   Please Help 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 2017-05-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX / XXXX /   2017 - App roximate Dispute submitted to Experian regarding   XXXX   XXXX   ACCOUNT on credit report, acct  XXXX       XXXX   XXXX , 2017-Experian responded that the account had been UPDATED, per Credit Report #  XXXX , as follows : Results Back to top How to read your results Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute.   Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you.   Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items  XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.    XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.     The alleged creditor claims that they no longer owe the debt, and it was SOLD TO ANOTHER lender, but the debt continues to be owed to   XXXX   XXXX   XXXX  .     THE CREDIT REPORT RECEIVED FROM EXPERIAN DID NOT UPDATE THE CREDIT INFORMATION AS CLAIMED IN THE REPORT I RECEIVED. REPORT #  XXXX , INVESTIGATION ID  XXXX . THERE IS NO UPDATE TO THIS ACCOUNT ON THIS REPORT.     ALSO   XXXX   CLAIMS THEY SOLD THE DEBT IN THE AMOUNT OF {$4100.00}.   THE DEBT BUYER CLAIMS, FIRST, A DEBT AMOUNT OF {$4800.00}, THEN SUBSEQUENTLY CLAIMED A DEBT AMOUNT OF {$5200.00}, AND CONTINUES TO REPORT THIS INCORRECT AND FRAUDULENT DEBT AMOUNT.

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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  XX/XX/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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MO

Complaint narrative:
I spoke with this company several time about the debt was paid before this collection agency picked up this debt. Then I asked them to remove the negative ite that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX, I purchased a car with a loan from XXXX for XXXX. I have made consistent payment for last 5 years and my balance is still the same.I will never have this car paid off at the rate. Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all. XXXX XXXX-XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX and 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 XXXXXXXX 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient has been extreme ly difficult to work with. My husband is a   XXXX   XXXX    and  the program takes  five y ears. During this time money is VERY limited. He has been  XXXX  on my family and I to try and make these payments. We are trying ! Navient  has NOT been willing to help us I any way. In the meantime they are hitting my credit every time I turn around. It 's not fair and needs to be fixed! I have explained to them that I will be done with   XXXX    XXXX   XXXX   in  XXXX     2017 an d at that time can begin regular payments. I feel like I have been charged additional interest and fees that need to be fixed. We are supposed to be on a rate reduction plan but every time we turn around they are telling us that we are no longer on the plan and calling us every single d ay three tim es a day and charging us more in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD

Complaint narrative:
I have a loan modification application  XXXX . The POC  XXXX   XXXX  at  XXXX   XXXX   XXXX  ext.  XXXX  Does not return my emails or calls. Meanwhile, my loan modification application lapses and I will be denied and m home goes to foreclosure.     Dates when I have called :  XXXX .    XXXX .    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On    XX/XX/XXXX    I visited a  XXXX  at   XXXX   XXXX   XXXX   XXXX     XXXX  KY.     A credit application was submitted without my written consent. I pursued the doctor NOT to submit the application given that it could be a hard inquiry and will impact my  credit score.  The doctor convinced that it is not hard inquiry and submitted the application. Now my  credit score  dropped by  XXXX  points yesterday. I do n't even need this credit application. Would you be able to help revert this credit check?       XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  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 2017-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CHASE  CARD POB  XXXX   XXXX , DE  XXXX   XXXX   XXXX / XXXX /   2017  VIA : Certified Mail #    XXXX    Re :   XXXX  CREDIT REPORT #  XXXX  INQUIRY  XXXX  .2017 CE  Consider this notice that you have  30 d ays to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a  Consumer and since Chase d id not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$2000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$2000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I am the victim of fraud and the charges stem from   XX/XX/XXXX   through   XX/XX/XXXX  . I was in the hospital XXXX  and now in   XXXX   XXXX  . The fees were reversed then reinstated which has overdrawn my account. I am on a fixed income and I am unable to get any resolution.     I am also unable to close the account due to the fact  M & T Bank overdrew the account. They are charging monthly maintenance fees which is f urther overdrawing my account. Please see below I have called and sat on hold for over  30 m inutes on  3 sep arate occasions.   I am a  XXXX   year old  woman with   XXXX   XXXX   XXXX   with my most recent stay in the hospital for a over a month   XX/XX/XXXX   through   XX/XX/XXXX  . I can not handle the stress. I have moved from the hospital to   XXXX   XXXX  . I faxed and mailed the dispute forms necessary to reopen my fraud case. My card # was stolen and used without my authorization. I have never done business with any of those merchants. You have removed my provisional credit and have overdrawn my account. I want all fees reversed.     My next step is to file a complaint with the CFPB and the bank President if this is not resolved immediately.     Sincerely,   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 2017-05-05 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
I had problems with this company reporting negative thing to my credit report about the balance, how much I owed and other negative things.I requested them to verify the debt was mine but i never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it May Concern :  XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   XXXX .   XXXX    XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XX/XX/XXXX   XX/XX/XXXX    Telephone Companies    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX    All
Banks    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Telephone Companies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   General Clothing Stores   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg.  Agencies  XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX  National Credit Card Cos.  XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX   Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX     XX/XX/XXXX   XX/XX/XXXX    Miscellaneous Reptg. Agencies    XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc  sec #  XXXX  DOB  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.       XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX    XXXX - XX/XX/XXXX    XXXX -   XX/XX/XXXX  and  XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX - XX/XX/XXXX  WFDS- XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Finance  XXXX    XXXX   XX/XX/XXXX   XX/XX/XXXX  Bank  XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union   XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PELICAN CREDIT CO
State: MI

Complaint narrative:
XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.        XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX  and XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX  -  XX/XX/XXXX   Pelican Auto Finance LLC-   XX/XX/XXXX   XXXX   XXXX  - XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  XX/XX/XXXX   Finance  XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Bank  XXXX    XX/XX/XXXX  XX/XX/XXXX   Credit Union   XXXX    XX/XX/XXXX   XX/XX/XXXX   Credit Union

Company response to consumer: Closed with explanation