vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX and throughout XXXX I called up several times to find out repayment plans Id be eligible for and requested information on loan forgiveness. I was told I was ineligible for that. The customer service representatives were discourteous and unhelpful, many times putting me on hold for 45 minutes. When asked to escalate to supervisor, I was refused. A few times I was told - my questions didnt have answers. I asked what about being in a plan making payments consistently for 10 years with loan forgiveness, they said theres no such plan. They said theres no such thing. I said I was having difficulty making payments. They told me they couldnt assist. I had to file for bankruptcy. Suddenly my loan which only has 5 % interest rate went from being XXXX to now {$96000.00} in only 2 years since being with Navient after they have fraudulently charged interest charges and illegal surcharges as this has never happened with the previous lender. I am not working full time right now and can not afford these payments and until they correct and remove the fraudulent charges I will not make payments. I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: NY

Complaint narrative:
I already tried to connect and complain about this issue. I have $ XXXX   monthly payment plan, I keep pay {$600.00} but my balance doesn't go down at all. When i complained about this issue before, XX/XX/22, it was 7 months ago and my current balance was {$35000.00}. I made 7 payments since then {$600.00} x 7= {$4200.00} total but my balance only went down {$1000.00}. I dont understand this at all. Since I borrowed the loan I paid almost {$35000.00} but my loan only went down {$10000.00}. I dont believe this is correct, otherwise It looks like I have to pay back {$500000.00} to pay my {$45000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Supreme Solutions
State: MN

Complaint narrative:
The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

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 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.

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 2018-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account onXX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.

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 2018-09-24 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: TX

Complaint narrative:
I applied for an account with XXXX XXXX/ XXXX XXXX about a month ago. I was approved for a {$300.00} line of credit and made a purchase. Then it started reporting on my credit report as included in Bankruptcy. I have never filed for bankruptcy. I sent a letter directly to them and they sent me a letter back with all kinds of miss information. I received a letter dated XXXX XXXX stating that I opened the account on XX/XX/XXXXand made a purchase on XXXX XXXX for a daybed that was then cancelled and then I file Chapter 7 bankruptcy on XXXX XXXX with a standard discharge on XXXX XXXX and that as of XXXX XXXX the bureaus were reporting this account accurately. I tried sending them a second letter including the current bill. I have never been in bankruptcy and did not previously open this account.

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 2018-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Loan is from XX/XX/2010, car was returned to creditor, loan was discharged. Tradeline should have fallen off credit reports because the debt was too old to be reported according to credit bureaus. Credit Acceptance has continued to update the debt to reflect a more recent delinquency to avoid removal from 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 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The late fee of XXXX dollars were charged on XX/XX/XXXX by Bank of America. I set up an autopay but it didnt work. I called them explaining but they didnt try to understand the situation, the difficulty and complication of their system, they blamed my action only. I definately set up through their website. I talked two people and they both were very rude and they couldnt even set up an autopay for me which other credit cards did for me sometimes or at least explain. They refused to waive the fee and even refused my request to talk to their supervisor. I never had this bad service from credit card company before. Not only just a fee they should really change their customer service. Completely unacceptable.

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 2018-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. 

If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. 

We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. 

I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that  matter. 

I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. 

l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. 


I can provide all email exchanges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax will not put a credit freeze on my account without sending or faxing personal I D including social security number. And they made me give them my SS number over the phone. 

It took me 2 minutes to freeze my account with XXXX and XXXX. 

Equifax is giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I lived at XXXX XXXX XXXX XXXX, which is now XXXX XXXX, this was back in XXXX of 2015, I resided there XX/XX/2015 until XXXX of 2015 after my health condition was diagnosed as XXXX   XXXX XXXX, at this point I had to stop working and then was in the Process of moving back to XXXX with family to which I informed the management company at that time which is no longer there, with this being said I was told that I would be able to work something out with them, to no avail this did not happen I did owe some back rent but not to the amount which is being claimed. this is not the company I rented from and they have added an outlandish amount of {$6400.00}, I am currently XXXX on XXXX and unable to this on my report trying rent with this on my report. 
I look forward to hearing from you going forward The Company 's Name is Ideal Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/18 I mobile deposited a {$35.00} USPS money order and they put the funds on hold until XX/XX/18. I need this money to pay my bills before then. How can they put a money order on hold when it is as good as cash?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Pendleton Capital Management
State: MO

Complaint narrative:
Called numerous times saying they were going to come to my house unannounced and to be ready for them when they get here and serve me papers and notify the authorities and my family and employer. Did some research and they are a scam collection company working off a PO Box at the XXXX store.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: FL

Complaint narrative:
Please delete the accounts as Experian has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit reports and Experian has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. Experian has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but Experian still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/2018, I mailed my final certified letter to the Experian Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter to Experian and the proof that one of these accounts is in the wrong last name. 

Please demand that Experian uphold their obligation to delete all of these items from 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 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I've tried several times to settle the debt starting back in XX/XX/XXXX they have not only been rude but has harassed me also since then. Because of the mistreatment and the company not willing to settle the account. Contacting the CFPB is my last resort to end the cruel treatment I have received from this collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My husband and I are applying for a mortgage. I froze my credit in XX/XX/2018 due to fraud on my account at that time. I tried to unfreeze my credit from XXXX and Experian. 

I was disconnected 4 times from XXXX and FINALLY was helped. They have now unlocked my credit. 

I have now been disconnected twice from Experian. There is no consistent way to contact Experian by calling a live, real person. This is discrimination against people who do not have online access. The online access account will not let me access my account, and I am afraid to create a new one because I don't want to mess anything up in the system. 

These agencies have incredible power over my life. It should not be hard for me to contact them, it should not be hard for me to freeze or unfreeze my credit reporting. The fact that these for-profit agencies can have impact over my life like this is ridiculous. They need to fix their system and let their customer service people know that they are to give customer service. I have been on the phone this morning for over two hours and my issue is still not resolved.

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