vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 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: NC

Complaint narrative:
To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my wife also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxed jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hewitt-Capital
State: MO

Complaint narrative:
Hewitt Capital is repeatedly calling my work despite being told I can not take personal phone calls and is a detriment to my job. This is the second time they have called me despite being told this. Just days ago I filed a complaint because this company is sharing my private and legal information with my fellow employees AFTER being told I can not take these calls at work.

These shady business practices are not only unethical but illegal and I will not put my job in jeopardy just to talk with them at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Nelnet, Inc.
State: NC

Complaint narrative:
I was always told I had a very low interest rate and that I was paying principle and interest, I just looked at my payments under the new company Nelnet and I saw my balance was $ XXXX. I have been on this loan since I graduated college and the balance has never gone down. I was told by the rep that they charge me $ XXXX {$4.00} a day on interest so my entire payment has gone to interest all these years have paid on my loan. How is this possible on a low interest loan by the government. I am XXXX and I owe more now than when I graduated college at XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TX

Complaint narrative:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an alert on my credit file from XXXX  today XX/XX/2018 stating that my score had dropped due to an increase balance on my Capital One credit card. My XXXX  credit report stated that my Capital One Card Balance went from {$0.00} to {$210.00}. I called Capital One and confirmed that I paid my credit card balance on XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the Capital One Representative when was this balance reported and was advised by the Capital One representative that it was reported on XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: CA

Complaint narrative:
Initiated dispute with Trans Union XX/XX/XXXX and have continuously disputed with the most recent dispute of the same tradeline occurring XX/XX/XXXX - nearly a year. The account in question is reported as derogatory by TU for an auto lease that was paid in full ( early ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent via certified mail to TU included with the dispute. TU continues to ignore the facts and state in results of their investigation that this account was verified as accurate. In addition to certified mail disputes, I have called TU several times, and filed the dispute online several times. 

The account in question was closed satisfactorily XX/XX/XXXX. Given that ( 1 ) this account was never derogatory with documented evidence provided from XXXX XXXX, and ( 2 ) even if derogatory is well beyond the 7 year maximum limit for reporting a derogatory condition for an account. TU has violated my consumer rights afforded me by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: NV

Complaint narrative:
I have submitted applications for XXXX  Loan forgiveness as a XXXX  and XXXX XXXX in a XXXX XXXX XXXX  working for 6 years. I have been denied 4 times and given conflicting and false reasons for the denials. 
XX/XX/XXXX- Denied for missing information from CAO. I have a copy of my submitted application and all information is present. Called and representative could not give me information and what was missing as their retrieved copy showed all information being present. 

XX/XX/XXXX-Denied for exact same reason as before and again not helped when called. 

XX/XX/XXXX-Denied because my XXXX  was not listed on the low-income directory until the XX/XX/XXXX XXXX   year. I call and representative tells me to reapply at the end of the XXXX  year on XX/XX/XXXX. 

XX/XX/XXXX-Denied because missing CAO employment dates despite my copy of the submitted application having the dates and information all present. Plus denied because my XXXX  is not listed on the low-income directory! I've checked the directory which shows my XXXX as well as this information being the exact opposite of the last denial reasoning.

I don't know what to do. I make copies of my applications, I call, and email XXXX XXXX. The representatives pull up my application and are always at a loss as to why I was denied based on missing information. The issue regarding my XXXX  not being listed is simply beyond me. I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TX

Complaint narrative:
Please see the attached letter sent to TransUnion on XX/XX/2018. I had previously disputed the invalid collection notice from XXXX XXXX XXXX on my credit report in XX/XX/XXXX. I received a notice stating that TransUnion " verified '' all of the information on XX/XX/2018. In a phone call thereafter, I asked what they 'verified ', because there is absolutely NO documentation to support any agreement to pay any set amount of money on any regular dates in regard to this error. I was told that the company verified the amount, the date, and some other information. Naturally, the company ( XXXX XXXX XXXX ) would say that it is correct. But that is unsupported. Where is the documentation? 

I reached out to my attorney who advised me to write the letter attached, disputing it again, and in writing clearly stating the non-existence of any of the following : There has been : - NO application for credit - NO credit extended - NO loan in any amount - NO signed agreement to pay funds in any amount - NO signed agreement to pay funds on any dates or intervals There has been NO exchange or trade of any goods or services related to the matter.

Without the above, there can be NO late payment, NO missed payment, and NO valid collection notice should be on any credit report. 

TransUnion representatives told me in a recorded call with a supervisor that they do not require any evidence of the debts that companies post for collection. I could not believe they were telling me this. It is both asinine and absurd. Furthermore, why waste time with a dispute? They may as well save some money on employees working on investigating disputes, because that is a waste of resources. In the letter, I requested in writing that TransUnion ask the companies reporting the collection to provide them with each of the above documents. If they are unable to provide all of those things, ( which they can not because those documents do not exist ) then TransUnion needs to remove the collection notice immediately. TransUnion needs to actually do their job and make sure consumers are protected from people/companies who are trying to use credit reporting agencies to manipulate consumers. There is no legal basis to have this collection notice on my credit report. If the company feels that they are owed money, they may file a lawsuit, however, they may not legally send collection notices to any credit reporting agencies.
I consent to this complaint being published publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
i was a victim of identity theft and notified XXXX XXXX and XXXX. i also attached my police report and identity theft affidavit. XXXX and XXXX removed the fraudulent account but XXXX  still haven't removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On XX/XX/18 XXXX XXXX billed the incorrect account I contacted M & T and explained that I can move the funds from the account that was supposed not be billed, but the fees incurred were not due to my actions. 
I was told they would be credited they were not and I subsequently got further fees due to low balance. 
I called back again to explain the situation and was promised it would be fixed. 
I received more fees. 
I called back and at asked for some to at least be waived as a courtesy if they were not willing to acknowledge the billing error that started this. 
To date I have received 6 fees due to the snowball effect of not having prior ones refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I recieved multiple calls from a CMRE FINANCIAL SERVICES before XXXX and after XXXX CT on multiple occasions as well repeated calls to relatives from XXXX XXXX. These appear to be from CMRE FINANCIAL SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Open and Account With Chase and Chase Close My Checking Account Without My Permission and Said to me no New Account Cant Be Open Please Help me with this Problem. i did not do anything wrong and Chase closed my account XX/XX/2018 Account Number : XXXX for no Reason please help me with this problem i dont know why chase closed my account without my permission please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: WA

Complaint narrative:
Equifax is stating that they have verified a collection on my report with XXXX XXXX XXXX DBA XXXX   but they haven't actually provided the information needed to verify it. I am not aware of this specific collection and they refuse to get original invoices from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
In XX/XX/2013 my car was rear ended and totaled in an accident at the other drivers fault. My insurance company ( XXXX XXXX XXXX XXXX. located in XXXX XXXX. ) paid the vehicle off as the other parties insurance was giving me a hard time about the fault which was later determined their fault. I sent over the documents from XXXX  XXXX that showed the loan/account ( Nissan motor acceptance ) was paid off & closed at {$0.00} being owed & still a different company reports a balance being due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had sent money through XXXX XXXX  and was scammed by my party not showing up and getting to me like said. I have not received any form of product through these services. I got a letter that the bank was in my favor then i get a letter saying they are taking the money back which will overdraft my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: LA

Complaint narrative:
I CALL IN XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN 2015 NOTHING HAS BEEN DONE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
I have been trying to do a deed in lieu with my main mortgage holder and the secondary mortgage holder for approximately one year. Main mortgage holder, XXXX, has been fine to work with. Secondary mortgage holder, SLS, has been a disaster. They have missed responding to 5 short payoff contingent approval letters sent to them by XXXX. 

Each time SLS misses responding to XXXX 's short payoff contingency letter, my case closes out at XXXX and then I have to submit paperwork and start the whole process over again. 

I am an elderly woman and have been trying to turn over my house to XXXX since shortly after my son 's untimely death, because he helped me pay my bills and after he died, I was no longer able to afford the house. I was advised the deed in lieu would be a good process to use. It has turned into a nightmare because of the incompetence of the SLS company as the junior lien holder. 

Dealing with them is causing me so much stress in my life, at a time when I'm still grieving over my son 's death, and I need DESPERATELY for someone to help me. 

My daughter had been helping me deal with them from last XXXX through this past XXXX, when they yet again failed to respond timely to the short payoff contingency letter. When they failed to do it that time, that was the THIRD time they didn't respond and she no longer wishes to deal with them over the phone because of their incompetence. They've now failed a couple of more times since then. PLEASE HELP ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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: Byrider Franchising, LLC
State: AK

Complaint narrative:
On XX/XX/XXXX of XXXX XXXX XXXX reported to XXXX that my account payment status is pays account as agreed, Balance update was XX/XX/XXXX of XXXX. Account closed. 
Now here it is XX/XX/XXXX XXXX XXXX and XXXX XXXX is reporting on XXXX and XXXX that Payment Status is Bad debt & placed for collection & skip Status Updated XX/XX/XXXX. 
This is totally wrong to report for almost 4 years as a account being paid as agreed and then change it to a negative status and keep on record till XXXX. 
Please help get XXXX and XXXX showing a good status as XXXX XXXX reports are wrong and for 4 years I was in good standings and now I am negative???

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation