vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
I have had a problem with customer service at XXXX Fed Loan XXXX every single year since I moved my federal loans to them in XXXX. This in turn has cost me thousands in interest. Every time they make a mistake, " lose '' or arbitrarily double or triple my payments, I spend an hour on the phone with customer service and then they place my account in a forbearance for a few months in order to get their internal errors fixed. Additionally, I should be XXXX years into PSLF, but due to their errors many of my payments do n't count. 

My most recent issue is as follows. I applied to switch from the XXXX plan to the PAYE or REPAYE in XXXX. In XXXX I received a message from XXXXFedloan that they received my application. And I also received notification that my payment went from {$710.00} to {$2400.00} for XXXX. 

I called customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated they need a 1x payment in order to switch to REPAYE, and I informed her I could n't pay the full amount. She told me not to worry about it, and that she would put a " reduced payment forbearance '' on my account allowing me to pay a reduced payment of {$800.00}. She stated this should be taken care of before my account was due on XXXX XXXX. 

However, she only placed the " forbearance '' on 2 of the 6 loans I have ( and the smallest 2 at that ). My account is now delinquent for {$2400.00}, and I am missing another month of PSLF eligibility and will likely miss XXXX as well since they have to fix this error, and than accept a 1x/payment before switching my account. 

This company is terrible, and it is unfortunate that I have no other options since I am seeking PSLF working at a non-profit children 's hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: AES/PHEAA
State: FL

Complaint narrative:
XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. 

No derogatory information should have been reported, because the account was closed in 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 2017-09-25 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: IL

Complaint narrative:
Equifax has been hacked and they waited over 2 months to notify the public. I believe my information has been compromised and I want valid compensation for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: NY

Complaint narrative:
The mortgage broker XXXX XXXX XXXX XXXX # XXXX XXXX from OneTrust homes never disclose the interest rate to me. After she got back to me with high interest rate ... I told her I would like to change the plan for 7 arms she asked me to pay her money after I agree and got the letter and confirmation she decided to change the plan saying it 's not longer available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have mailed a detailed letter to Navient underwriters or General Correspondence & Submitting Documents. I have sent it on XXXX XXXX, 2017 via USPS tracking number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased a XXXX from XXXX in XX/XX/XXXX, although I never received the item I was being charged for the item along with interest through my XXXX statement. 

I finally received a refund XX/XX/XXXX for merchandise but then was charged a late fee for not paying the minimum payment which included the approx {$2300.00} of the spa never received. I contacted commenting and they gave me a credit for a late fee and some of the finance charged accessed said I was to pay {$69.00} dollars in XXXX payment I made a {$70.00} payment the company charged me yet another late fee and reported my account as delinquent to credit bureaus. 

I believe fraud has occurred with my account since the beginning as I only charged {$1500.00} on this card yet I owe {$550.00} in XXXX year of making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX    XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX
Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: $XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XX/XX/XXXX for 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 2017-09-25 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: TN

Complaint narrative:
I submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before 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 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have a XXXX 's XXXX card thru synchrony bank. I paid off the account 26 % interest with checks I receive from another account. XXXX XXXX had closed that account 3 months prior ) my thinking was they were reopening the account due to the fact they sent checks. They did not pay so my XXXX 's account was pass due {$35.00} now due XXXX. I had never been late and always paid more than was due. Then the phone calls started from some overseas XXXX people I could barley understand. They call day and night from XXXX to XXXX pm ever XXXX to XXXX minutes. I have paid their {$35.00} and BEGGED them to stop calling but they still call. I am a senior with severe XXXX XXXX. I have called Synchrony bank and told them all will be paid on the due date like my statement says but they said NO I will continue to get daily calls that is their practice Is their anyone out there that can stop this company!!!.

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 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
on XXXX XXXX, 2017, I received a letter from Key Bank closing our checking account for : your account relationship poses excessive risk to the bank. 
I had the same bank for over 43 years ; I have NEVER had any issues, such as over drafting or anything. 
When I received the letter I went to the bank and they informed me that : they or I can terminate the business relationship at any time without any explanations, thus, they dont need to provide me with any reason. 
That I was a great customer never had problems with me or I with them and " I 'm sorry is nothing that we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I received notice from XXXX  XX/XX/XXXX that a collection was added to my account. I never received a validation of this debt and I do not believe it belongs on my credit report.

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 2017-09-25 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
several companies also on this list. 

XXXX XXXX simple XXXX XXXX XXXX XXXX XXXX XXXX refusal under regulation Z to reimburse consumer for charges never made or for charges for cancelled accounts that other companies ( 3 insurance and credit bureaus ) are runaway billing the consumer for and will not cease. 

XXXX cardholder agreement says that the charges can be reverse at any time and the consumer has a right to the money. Cards may be reissued, ( wasnt for XXXX XXXX ) however, the consumer is still owed the money and nobody wants to return it. 

I am owed over {$500.00}. because XXXX and XXXX ( XXXX and XXXX own thier cards and networks and issue cards directly ) subcontract they dont care anymore about the consumer.They leave it up to banks and banks give even less a " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX,2017 I received a notification from the credit monitoring site that a new collection account has been added to my credit report. Being that I have been a victim of the identify thief twice this was very alarming to me. The debt collector Premiere sent me notification of an alleged debt in which I followed up in writing within the 30 day window to dispute this alleged debt. Not only did I dispute this debt in writing I also requested that they provide me with copies of medical records and statements from the original credit. I took it upon myself to also reach out to the original creditor XXXX XXXX XXXX XXXX and request the same information in question. After disputing this alledge debt with Premiere and the original creditor, I also sent over proof of identify theif. The original creditor agreed that this account was linked to fraud and deceased collection attempts. Premiere on the other has violated my rights under the fair debt collection practices act section 809 which states I have the right to dispute this debt within 30 days and I also have the right to request proof of the alleged debt of which contains my signature. Premiere is unable to provide this information because it does not exist! I request that all collection attempts and negative reporting to all credit bureaus cease immediately before I seek legal action!

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 2017-09-25 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:
On XXXX XXXX and XXXX XXXX XXXX I filed a dispute with Equifax online for the collection with XXXX XXXX to be removed from my credit report. I have sent them a paid and settled letter and also a letter from the collection asking for this to deleted from the my credit report. I have spoken with XXXX XXXX on numerous occasions and they stated that they sent a deletion AUD number on XX/XX/XXXX to all CRA, all, except Equifax have deleted this collection from report. My credit score is has dropped significantly bc of this collection. I do n't know why Equifax will not update this collection when they have received the information from the XXXX XXXX asking for this to be deleted from report. I need this collection to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.

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 2017-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BB&T CORPORATION
State: MO

Complaint narrative:
What is this complaint about? I purchased a used vehicle with XXXX XXXX dealer in XXXX XXXX MO in XX/XX/XXXX 
I have requested a copy of my paperwork since they are no longer in business. I am given the run around from former dealership, and lender XXXX XXXX XXXX. They denied me my requested " Presentment of proof '' purchase concerning my wet ink signed promissarory note as ofXX/XX/XXXX. 

The problem I am experiencing with the lender XXXX is they denied me a to refinance my vehicle acting as a DEBT COLLECTOR calling my number even when I asked the Collection Agency as XXXX to stop calling. I asked for a deferment do to not working. I was refused and denied then received letters in the mail of someone attempting to do a refinance on my vehicle via XXXX. 

What happened? I am being denied request asking for my original promissory note with XXXX who is the lender to my vehicle. I suspect fraud have taken place with my purchase as a CONSUMER. 

The company as my lender denied me information pertaining to my original wet ink signature promissory contract and I was refused products only to be harrsssed by XXXX COLLECTION AGENCY as a lending institution company. They initiated a banking refinance transaction accessing my SSN and signature unauthorized to change terms in my purchase contract as the CONSUMER. 

The people involved are the CREDIT COLLECTION AGENTS working for the banking lender/lien holder XXXX XXXX XXXX XXXX BB & T Bank. 

My personal information and SSN as a CONSUMER have been unlawfully breached. It 's unfair and unequal practices that have caused me to be XXXX trying to avoid being deceived and ripped off by XXXX unfair banking practices. 

I clearly requested in writing to XXXX and found out about BB & T bank. I clearly requested to state the amount, interest rate and repayment terms of the loan, the date the original note was signed, and the proper legal names of all parties involved. Was only sent via USPS mail of transaction history of questionable payments made. 

In closing, my security data SSN and personal information was BREACHED a second time and verified by XXXX 

XXXX : XXXX I was denied after contacting XXXX to request the original signed promissory note with my wet ink signature, as well as a total account history ( payments, fees, transfers etc ) so I could see what the heck was actually owed and to who.

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