vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
In XXXX of XXXX I requested a due date change from my loan servicer XXXX XXXX XXXX. In the course of processing the due date change they also recalculated my income driven repayment plan. Not only should they not have recalculated my income driven repayment plan, but they also recalculated it incorrectly, so my monthly payment nearly doubled and my wife 's payment nearly tripled. I have spoken two different XXXX XXXX supervisors who have admitted that this mistake was made by them, but nothing has been done to correct this mistake. My wife had to request a forbearance, because we could not afford our loan payment that was under {$500.00} a month combined, but jumped to over {$1200.00} combined after the XXXX XXXX mistake. Both my wife and I are public school educators and we are seeking public service loan forgiveness. But since we can not make payments because they XXXX XXXX error has made payments unaffordable, my wife has now missed out on 6 months of loan forgiveness and I have missed out on two months of loan forgiveness. I contacted XXXX XXXX in XXXX of XXXX and I was told to submit re-certification paperwork, and I did this only to find out that I needed a recalculation, not a re-certification. I spoke to a XXXX ( Id # XXXX ) on XX/XX/XXXX and she informed me that a recalculation would be complete by XX/XX/XXXX. On XX/XX/XXXX I spoke to XXXX ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ), and I was assured that my issue would be " expedited '' and everything would be corrected. This still has not been done as of today, XX/XX/XXXX. I am not being permitted to participate in the Income Driven Payment plan that I am eligible for because XXXX XXXX refuses to correct the mistake that they made in XXXX of XXXX. It has been six months and I can not get XXXX XXXX to do anything, and I need outside help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX/XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX   XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

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 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been enrolled in Autopay with Navient. I joined because Navient promised .25 % saving on interest. However, the system is unable to readjust itself after overpayments.

Navient has a repayment schedule of a certain amount per month for ( example ) 24 months, and then it boosts the amount to pay for the next 12 months.

I have been overpaying to shorten my loan, and I payed the amount to cover the first 24 months early. But Navient did not figure this out and start me on the new payments.

Left unattended, there would have been no payments on this loan for a year.

Multiply this by four loans. Right now I have my overpayment set to pay down the largest loan, which is the {$670.00} payment shown on XXXX, following no payment on XXXX. 

In addition, I now have Parent Plus Loans on my daughter 's schooling that are accruing interest. I already owe $ XXXX at 7.9 %. The total is increasing bc of interest, but it is not shown anywhere when it is added or how much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: LA

Complaint narrative:
I have XXXX sets of loans with Navient. I have stafford loans and signature loans. I have been paying on both for quite some time. Navient promises to remove late pays and fees on the account and has not removed them on the account. Recently I was told that I would be current on my loans if I made additional payments yet my balance has not moved and all that can be seen on the account is that a payment was received. The payment was taken from my bank account within 24 hours. 
I have a issue with loans that I acquired for XXXX in XXXX school it is as if I am paying for loans that the school supposedly returned back to Sallie Mae which is now Navient. I think Navient is set to make buying a home and car affordable for any individual by adding fees and keeping loans on the account that were returned by the school. Something is not adding up. I have loans that are stafford loans ( XXXX through XXXX from XXXX however XXXX states that they returned the money back to Sallie Mae and I still have like I owe for those loans ) I supposedly owe XXXX for {$10000.00} that should have came back to Sallie Mae yet online says I owe it to Navient. 
When I call to inquire about my account the rep states that my account online is handled by a third party when it should be accurate and up to date information. Someone should investigate Navient for several reasons : debt accrued in school does not guarantee a job, I can not purchase a home because they refuse to send me a statement that would show what my loan payments would look like indefinite payment. Borrowing money has been my biggest downfall in life because I can not afford to buy a home. However, Navient is stealing money from people who are trying to pay the loans and not applying the money accurately to my account. I think they just come up with payment plans to keep you in debt forever. The rep told me to call in three days to see if my payment would be placed correctly on my account and it has not yet to this day. They still have me in the negative and being behind when I overpaid the three required payments that were supposed to bring me up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hi, recently I had 6 months left on my student loan payments ending in XX/XX/XXXX. Recently navient put my loans in deferment without my authorization. When I told them I didnt want deferment, they still extended my loan repayment till XX/XX/XXXX with increased interest. They said they were going to correct my loan back to the original payment and loan pay off date but have not done this yet. Ultimately, they are trying to charge me more interest. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Assured Financial Partners
State: FL

Complaint narrative:
First equity collocation for a amount i paid today XX/XX/2019 the lady name was XXXX at XXXX XXXX XXXX XXXX extension XXXX she said I owed XXXX XXXX XXXX XXXX she threatened to put me in XXXX and said if i did not pay i would have to pay lawyer fees of XXXX so I paid it and she said she would email me a receipt never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: GA

Complaint narrative:
/On XX/XX/XXXX I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/XXXX there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/XXXX, that they do not provide dispute verification. I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 2 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Transunion directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/XXXX the company has not done so.

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 2019-03-09 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: NM

Complaint narrative:
Requested free annual credit and found issues with wrong addresses and miss spelled names I never used. I was able to request a fix with the first two credit reporting agencies XXXX XXXX and XXXX with little issues. However when I tried to fix on line with Experian I was given a 1800 number to call after I request the address to be corrected online. I Called the number and all they wanted me to do is buy another service once I told them I did not have a membership and was disputing information they were reporting .They placed me on hold and transferred me and I waited and then another person answered on to say she had to place me on hold and to transferred me this time I was over 45 min. Then another person picked up and I told her the same info and she also just wanted to transfer me. At this time I was frustrated and wanted to speak with a manager .When I requested a manager she transferred and then hung up on me. I tried three times to fix the miss leading information dealing with incompetence of Experian. I want my information corrected and I believe credit agencies need to be forced to provide better means of disputing issues on credit reports. This issue started by the usps mixing my father and me up and reporting that the information.

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 2019-03-09 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My wife and I placed an order for a mattress from Mattress Firm on XX/XX/19. The sales rep kept making odd steps and corrections so we repeatedly tried to confirm that the item he was ordering for us was the exact same item from the floor model. 

We made it abundantly clear that our purchase was strictly on the grounds that we were getting the exact item we wanted, and confirmed FOUR times that the item lined out on the order matched the floor model, as there was no other way to verify. We agreed to finance the purchase of that specific order and that specific order alone. 

Now, we found out that the sales rep pulled a bait and switch on us and ordered a different item from what we agreed upon. As such, the sales rep pulled credit to sell us an item that we had not agreed upon, and had we known about the bait and switch, we never would have authorized the credit pull.

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 2019-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I have handed a letter to each loan company I am complaining about not to contact me at work because the fair credit act says if I do so they are not to contact me at work. I have 2 companies that do not follow this and also will call my home several times a day sometimes within minutes of calling. They will also show up at my home without noticed. I need all this to stop. The will even call my family members if the don't talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: UT

Complaint narrative:
I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.

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 2019-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account has been closed on my credit and I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Account has been closed on my credit and I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: MI

Complaint narrative:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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: Dwight Financial, Inc.
State: CA

Complaint narrative:
My personal XXXX credit report score decreased by more than 50 points as a result of improper reporting of a debt more than 7 years old per FCRA regulations. 

I contacted Dwight Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, A XXXX ( XXXX ) XXXX and they would not correct. Also, I contacted the XXXX  credit agency on XX/XX/2019 and was told my dispute was already processed and since Dwight financial will not update their records the item will remain on my credit report. 

I believe this reporting violates the FCRA 7 year rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TN

Complaint narrative:
I gave this company hand delivered letter stating not to call my work per the fair debit protection act. They refuse to honor this and they will contact family members asking them to get in touch with me. They will constantly call my home phone off and on all day sometimes back to back. They have come out to my home without noticed. I am harrass my them daily

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09 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:
When checking my credit report I have noticed that XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XX/XX/2018, XX/XX/2018 XXXX and XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 3 months XXXX has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX or the company that they are collecting for. 

I disputed this debt with Experian on XX/XX/2018, XX/XX/2018 XXXX and Experian has failed to validate this Debt and continues to knowingly violated FCRA. 

Experian gives me know options on their website to re dispute this debt as not mine. 

I recently received a response to a dispute on approximately XX/XX/2018, XX/XX/2018 XXXX that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation with XXXX. 


I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this CFPB complaint. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

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 2019-03-09 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: Navient Solutions, LLC.
State: OK

Complaint narrative:
My husband got into a scuffle with someone one day I was trying to break it up and had my wallet in my hand, my wallet fell out of my hand this was back in 2008 and my identity from my credit card, social security card, and my state ID and my money were all stolen, and my identity right along with it all.

Company response to consumer: Closed with explanation