vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
In XX/XX/XXXX I graduated from XXXX XXXX XXXX. I borrowed {$58000.00} on a private loan. This amount is key. After graduation and my 6 month grace period I couldn't afford the initial payment of roughly {$400.00} per month. I sent in partial payments but the Sallie Mae/Navient worker on the phone told me they wouldn't accept partial payments. So they advised me to go on a forbearance. They didn't explain fully what would happen to my loan in regards to interest and capitalized interest and accrued interest. I was young and ignorant. They said my payment would go up slightly but hopefully I would be making more money at that point. I ended up putting my loan on an 18 month forbearance. At the end of that they told me I ran out of the option for forbearance so I had to start paying. My payment went from roughly {$400.00} a month to over {$850.00} a month. My disbursement amount on the loan on XX/XX/XXXX was {$96000.00}. So from the time I graduated in XX/XX/XXXX until XX/XX/XXXX my loan went from {$58000.00} to {$96000.00}. That is {$37000.00} more than I borrowed due to capitalized accrued interest. This is my first issue. This is criminal and corrupt. I was blatantly mislead and my monthly payment more than doubled. I had to make these payments because they didn't give me another option. So I had to move my wife and XXXX kids into my in-laws basement for over 18 months just to stay afloat. Here is my second issue. To date I've paid {$67000.00} on the private loan and according to Navient I still owe {$92000.00}. This is criminal. I've paid more than the original amount on my loan before the mislead forbearance. I understand paying interest but this is lunacy. So in 11 years I've paid over {$67000.00} and my loan has only gone down {$3200.00}. Again, this is criminal. At this rate it will literally take me 310 years to pay off the debt. Do the math! This beyond absurd. I've tried talking to Navient but I can't get past their normal hourly paid call center worker. They don't care about me. I need help and relief. I've already paid 112 % of the original amount borrowed yet I owe {$92000.00}. Please somebody help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
Heartland ECSI is charging me what essentially amounts to a prepayment fee. Heartland charges fees on direct debits by routing/account numbers, unlike most other servicers - including XXXX, XXXX and XXXX. I requested a refund of these fees and notified their customer service staff and supervisors that they were likely charging illegal fees on XX/XX/19.  They did not refund the fees. 
They appear to be in violation of my Truth in Lending Act disclosure for my federal Perkins loan in doing so. I asked that they refund the fees charged to my account on these dates : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 Further, I'd like CFPB to look into the legality of Heartland ECSI charging these fees to any of their customers. This seems to violate the spirit of the law against prepayment penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I have not been receiving statements from this company, which caused a late payment. Multiple phone calls have been made to the company and they assured that they would remove the late fees and reverse the late payment on credit report. They have yet to do so and keep reporting it as correct even though it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: IL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This ran unauthorized credit inquiry on my credit report. Please remove as these are suspicious to me : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My house was rushed into foreclosure ending with predatory leaning for the ages. I lost my house and the XXXX of equity that I had build up. I only owed XXXX. 
I was taken advantage of. 
The courts were manipulated. 
Justice was not served.

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 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On Wednesday, XX/XX/2019 I sent {$60.00} via PayPal with a {$5.00} fee to someone for a pair of concert tickets. I never received the tickets or heard from this person. I then tried contacting this person but was told that it was fraudulent or a scam. I then contacted PayPal & submitted a complaint/refund. They investigated this & proceeded to tell me that my funds would NOT be refunded because I did this via friends/family not goods/services. I did not know & am very upset this happened. I have pictures from this incident.

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 monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I called Santander Mortgage Services on XX/XX/XXXX to insure that my mortgage which would be paid in full on XX/XX/XXXX would not continue to be auto drafted from my checking account. The normal date of the autodraft is XX/XX/XXXX. Santander is also my bank but they do not communicate with each other. 

I was told that the because the balance would be paid in full there would be no auto draft. 

On XX/XX/XXXX, I called again because I saw a " pending '' auto draft for the mortgage amount showing in my checking account. I was told at this time that the amount would NOT be charged to my account because the balance of my mortgage was paid in full. 

On XX/XX/XXXX, I saw that the autodraft for a fully paid mortgage was still taken out. It is over {$1400.00}. I called again and was told the following : Auto draft is prepared by Mortgage services several days in advance. The mortgage wasn't paid in full until the XXXX, and the only way I would be reimbursed would be a check mailed US MAIL to my address and wouldn't occur for 10 - 14 days. I was also told that the first person I spoke to last week gave me wrong information about auto draft coming out. I asked for the amount to be reimbursed to my checking account immediately. I was told that I had to provide by fax or email a copy of my bank statement showing the amount of the mortgage coming out of my account and they would reimburse me directly to my checking account. I did this BOTH by email and by FAX as well as provided them a copy of the address change submitted earlier. It is now XX/XX/XXXX, and I have yet to be reimbursed my overpayment. 

I gave the company more than 3 business days to stop auto draft. Furthermore, the closing attorney who handled the sale of my house and the subsequent payoff notified them several WEEKS before the autodraft that the loan would be paid off. It is fairly simple to put an alert on a file and not continue to deduct the mortgage. 
It is my opinion that the company does this deliberately because it allows them to continue to earn interest on the amount they withdraw. It is unconscionable that 10 days after identifying the error ( when the autodraft was listed as pending ) I still am not reimbursed. What if this amount had caused me to be over drawn? What if other bills could not be paid? I am lucky that this is not the case for me but I am extremely disappointed at how this company rakes consumers over the coals for the sake of a few dollars.

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 2019-08-09 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This company ran unauthorized credit inquiry on my credit report. Please remove as these are suspicious to me : XXXX CARD

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 2019-08-09 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: Riverwalk Financial Corporation
State: MA

Complaint narrative:
I opened a XXXX XXXX credit card. I made a large order which never came. The store agreed that I didn't receive my item and agreed to refund the money back to the card so that it would have a XXXX balance. They failed to charge back the money owed. I attempted to contact them in writing and never received a response. I filed a complaint and they didn't respond. The credit card was then closed for nonpayment without my consent and is now listed as a debt collection on my credit reports. Attached is proof of XXXX XXXX agreement to charge back the full amount owedwhich would have left the card at a XXXX  balance. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial services received refund from service contract cancellation in the amount of {$1600.00} on XX/XX/2018. The monthly payment for the car was {$330.00}. TFS applied {$1600.00} towards principal and reported 30d late on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my audit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: WA

Complaint narrative:
I deposited a mobile check yesterday and once again, the bank first subtracts the amount from my account ( putting it in negative territory ), then they put a hold on the check. How's that fair? If I deposit a check for XXXX, they first withdraw that amount and keep my account negative until their own hold of the XXXX is released. They are treating me different than other folks and this issue was previously resolved when I had a Key bank account in XXXX XXXX, XXXX a few years ago. I filed a CFPB complaint and Key agreed to allow me to open an account and remove all red flags as this was due to their own error. Now, I open an account in XXXX State and find that the red flags are still there and they have limited my account and take drastic measures when there's a deposit. Secondly, when I opened this account, I responded to a banner ad for a {$300.00} bonus for opening a checking account. But when I went to do this online, it said I only qualified for a basic account and no bonus even though my credit score is XXXX. I should have gotten the bonus. I know that I qualify for a deluxe account because I just had one in XXXX XXXX. Key needs to get its systems talking from both Coasts. They agreed to restore my account and remove red flags - they have gone back on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I have two issues here regarding a debt that is under my name with Franklin Collection Services. There is a balance of over {$700.00} owed to XXXX. I have disputed this previously with another agency and was determined it was not mine and removed from my credit. I have told Franklin Collections this and yet they are still reporting this on my credit. I have a very common name and this has happened before. I have never lived in KY I am a resident of TN. I first reached out to this company on XX/XX/19 with my dispute. I have yet to receive any kind of validation or anything that even shows what this is for and who it actually belongs to. i have all of the email chains as i kept everything in writing. I have submitted a XXXX complaint which they still have not responded to and that was submitted in XX/XX/XXXX. What else can be done? They are in violation of federal law by continuing to report this and collect when my dispute was blatantly ignored and i have received no documentation that contests my dispute. Yet they still report this as delinquent on my credit.They had thirty days to address my concerns and it is pushing 90 days with no resolution. Please help! I have attached the emails showing how long this has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: TX

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need this items deleted from my credit report. 1 XXXX, XXXX, XXXX, XXXX, US DEPT ED, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. inquiries : XXXX XXXX/XXXX XXXX MO, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
They called from a company called Credit protection Association. The number that was called from XXXX. If this is not the person, I should call XXXX and it I am the person call 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