vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XX/XX/XXXX I began the re-certification process for my Income Based Repayment Plan. I submitted a re-certification through the department of education website and indicated that my AGI as reflected in my tax returns were not reflective of my income. I did not fill out the form the right way, apparently and it was rejected. I tried to re-fill it out but I received another letter indicating I was not in the period to re-certify so my application was rejected. I subsequently rectified the issue with my original application and on XX/XX/XXXX received a letter from Navient indicating that my IBR request was granted through XX/XX/XXXX and that my payment would be {$190.00} going forward. I began making my payments of {$190.00} in XX/XX/XXXX. ( See email ). In XX/XX/XXXX I received a letter from Navient indicating my payments were scheduled to go up dramatically, to almost {$800.00} per month, despite the fact that I was already in the program and not scheduled to re-certify. 
I was on the phone for an extended period of time with Navient during which time they indicated that because I allowed the IRS to link to the Department of Education my XXXX tax returns showing our joint AGI,  they were changing my payment amount. They have since asked me to again re-submit an application with explanation of my income. This is despite the fact that the letter dated XX/XX/XXXX clearly indicates that the decision to grant the program was based on my representation that, despite the tax return, that I indicated on my application that I was " married with no access to spouse 's income. '' This is the second time in the last year I have been inappropriately removed from the IBR program early. The first time I had to call and I was placed back on. This time, however, Navient has refused and asked for me to re-certify again despite the fact that I have already re-certified through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: AL

Complaint narrative:
Experion shows an incorrect D.O.B. on me. The agency show that I was born in 1911 with no month or date on their records. This would make me 108 years of age. I tried to fix the error online but they don't have a dispute area where I can fix the issue. I called the company and they refuse to validate who I am because their screening process refused to allow me to talk to anyone because they don't believe that I was NOT born in 1911. I tried to contact the company via XXXX and asked them to have someone call me directly so I can finally prove who I am and send them proof and they refused my request. 

The other two credit reporting agencies have my D.O.B. correct. I don't understand how an agency can't use common sense and take a direct phone call to fix the issue instead of someone stating that they can't fix my issue because I can't prove that I was NOT born in 1911. 

I would like to totally drop Experion as a credit reporting agency since they have proven to me that they are not a responsible business that can't be trusted. 

By law, can I totally drop Experion as a credit reporting agency? 

Thanks

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 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
Windham Professionals placed me on a payment plan to pay down my student loans in XX/XX/2010. They claimed that The Department of Education placed my student loans with them to be paid and that I could pay off my arrears, taxes and fees within a 9 month time frame. I finished my payment plan within the 9 month time frame. But this week after searching for that information on my XXXX loans the payments do not appear in their system. While XXXX no longer services my student loan, neither their office or Windham Professionals has any history of the loan repayments Ive made. I am seeking information as to where the money is or how it was allocated.

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 2020-01-22 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: FL

Complaint narrative:
went to the the company website to dispute the wrong information but it didnt let me log in.

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 2020-01-22 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: FL

Complaint narrative:
went to the the company website to dispute the wrong information but it didnt let me log in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: SC

Complaint narrative:
On XX/XX/2019, I sent a letter to the credit bureau listed below along with my identity theft report that explains that I am a victim of identity theft and that there were accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) appearing on my report as a result of it. I explained that I'd never given anyone any permission or have any knowledge of the accounts ( s ) until I pulled my credit reports for review. I've asked the credit bureau to remove the fraudulent item ( s ) from my credit file and requested that they send me an updated copy showing the correction. As of today, I have not received a copy of my credit report and the item ( Allsouth FCU {$4900.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$490.00} ) continues to be reporting and affecting my credit. It would be of great pleasure if CFPB would assist me in resolving this matter. Thank You

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 2020-01-22 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: CA

Complaint narrative:
EQUIFAX IS REPORTING COLLECTION ITEMS ON MY CREDIT REPORT. EVERYTIME I AM CONTACTING THEM TO SEE WHO IS THE ORIGINAL CREDITOR IGET NO ANSWERS. I HAVE NEVER HAD ANY ISSUES WITH ANY COMPANY THEREFORE I HAVE NO IDEA WHERE THIS COLLECTION IS COMING FROM. HOW COULD THEY REPORT SOMETHING WITHOUT KNOWING WHO THE ORIGINAL CREDITOR, WHERE IS COMING FROM WHO IS ASKING FOR THE MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 i responded to US Bank 's promotion for new customers, which they offered {$300.00} bonus whith a new checking account if {$2000.00} direct deposit was made the first 60 days and i did more than that.I opened the checking account @ ( US  BANK, XXXX XXXX XXXX , XXXX, CA. XXXX, ( XXXX ) XXXX ). I called on XX/XX/2019 US Bank and spoke to employee XXXX XXXX and his Manager XXXX XXXX to remind them that i fulfilled my obligation and both verified that. Until XX/XX/2019 i didn't received the bonus so i called again and spoke to Manager XXXX XXXX. This time he was Very Rude, Misleading, Yelling, XXXX. He refused to honor my bonus. Obviously he is either using different excuses so he can pocket the bonuses of new customers or US Bank 's use Gimmicks bonuses to attract new customers and never honor them, or both. In addition i was charged before the due date of three items  to be paid, 6  $ XXXX for overdraft protection that i never ordered. When i opened the account i asked XXXX XXXX to receive electronic statements, but i was charged {$2.00} fee6=XXXX monthly for mail statements which i never received. I do more than ten purchases with my debit card in order to avoid monthly charges, but I am charged $ XXXX per month. This is another example of a Bank behaving like a Criminal Enterprise without obeying any Law that Politicians drafted for them. After all this is purpose of Bribing Politicians, etc.

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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. 

XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the National Recovery Agency. NRA has now incorrectly reported me as " past due '' for this item. 

I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of NRA.

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
sometime around XXXX i fell behind on my car loan due to a medical issue that required XXXX well being a veteran the va is not the easiest hospital to deal with so i was out of work for 2 month on and off after 9 trips to the emergency room i finally had XXXX after finally getting released by my doctor to go back to work which was XX/XX/XXXX i had call SANTANDER CONSUMER USA to see if i could get assistance and i was approved well they told me they was sending documents in the mail and i needed to read them over and sign them and return them ASAP well a couple days went by and i started feeling sick and had to go to the emergency room again and found out i got a XXXX from my XXXX and had to be admitted and given XXXX   when i get released from the hospital a couple days later and once home i called santander back and informed them i have not received anything in the mail and they then and only then told me they sent the documents to my email and i had already told them several times " I DO NOT HAVE INTERNET ACCESS and when i got to a computer at the library and signed into my email account and open that email it was expired and this now is around XX/XX/XXXX and i made my XXXX payment and i have called them every week from XX/XX/XXXX until today asking for that assistance and they keep denying me assistance and they told me because of those payment i missed due to my XXXX there is no assistance and there has been nothing that changed but me putting my phone # on the do not call list cause they was calling me while i was at work and they got me fired and because i put my number on the do not call listen i talked to them 2 times last week on tuesday and on thursday come friday not only did they call my mother telling her my personal finiance business about my car loan but they also called my sister and and did the same thing telling her my personal business and telling them they need to get in touch with me for no reason at all well both my mother and my sister work for the XXXX  XXXX and they are not aloud to use there cell phone and after santander called them they both got wrote up for " unlawfull use of a cell phone '' i never gave them or the dealer neither my mother phone or my sisters #! and every time i have called they give me a different reason why they dont have assistance! i honestly 100 % feel like i am being discriminated against and the way i am disrespected on the phone by them i also feel like i am being harassed and the reason i cant get any assistance is purely out of retaliation! they have nothing in black and white or any guid lines on getting assistance and i was told all they do is sit in a room and review my issue and then say yes or no so its based purely on opinion and after being talked down to i told them i was going to file a complaint and the lady on the phone got smart with me and hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I signed up for a Bank of America XXXX XXXX Master Card. I  specifically asked the flight attendant who was selling the cards for BOA if there was an annual fee. She said no. BOA charged me a fee. I called BOA on XX/XX/20 and after spending approximately 35 minutes the agent said that BOA would not waive the fee and the only way for them to do so would be for BOA to close the account which would adversely affect my credit. I asked to speak to a supervisor and the agent said no. I asked to speak to XXXX XXXX, CEO, and the agent said no. She said that any escalation of the issue would reflect poorly on her. I said that I empathized with her, given that BOA put me in the exact same situation. She declined to provide her name or an identifying number for the call, other than to say that she is in West Virginia. She then transferred me back to the number that started the process. BOA must refund the {$59.00} annual fee immediately and stop the deceptive advertising and stop silencing customer complaints.

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 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Been paying double amount due XX/XX/2018 due to problems obtaining insurance. Ditech has been charging us almost {$400.00} a month for insurance alone and also If my calculations are correct we have paid way more interest than the 9.25 % that it is supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Flagstar Bank, N.A.
State: LA

Complaint narrative:
In XX/XX/2019 my mortgage was reported late. I phone in on XX/XX/2019 to pay my mortgage. The bank stated when trying to get the money out of the account. They had the wrong acccount number. I showed proof that the money was in the account at the time. It was a error on the teller part. They keyed the wrong information. Because of a error on their part my credit scores dropped.I have disputed they wrong reporting. I contacted the bank 3 times. No changed in the reporting.

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I am a returning customer to Carhop UAC XXXX, MN. I leased a XXXX XXXX XXXX from them in XX/XX/XXXX. The car was having electrical problems all the time. I was always getting fuses. In XX/XX/XXXX, I started hearing cranking and dragging noises. After talking to XXXX, ex-mgr of the Carhop, I took my vehicle to a Carhop approved contracted auto repair shop. All of the brakes, brake lines, axle, wheel bearings, control arms, electrical/fuses problems, etc. was wrong with the car. I paid {$600.00} and XXXX paid the rest of the {$1300.00} repair bill. The car continued to breakdown. Once I was left on one of Minnesotas 's  busiest highways, close to the twin cities, during a snowstorm, with children in the car. If it weren't for MNDot, pushing my car off the road, I probably would've caused a terrible accident. The  mechanics contracted through Carhop said that I should've never leased this car. In XX/XX/XXXX, the same noises again. I believe the repairs were only partially done to kill the noises but we're not done completely. I was told by the owner of the repair shop, that after I paid another additional {$1300.00}, that I would be reimbursed by the repair shop or Carhop. After talking to the new manager of  Carhop, XXXX, I was told they would look into it. I have children I need my car. Plus the mechanics agreed with me, that this was duplicate repairs that were not done in XX/XX/XXXX. Carhop and the mechanic shop played the blame game against each other for months while I just waited making my car payments and constantly breaking down. In XX/XX/XXXX, same noises again. This time I realized that the driver side back brake line was sealed off. That brake line was clogged. And the inner brake pad was not there. The mechanics did not put a brake pad on the inner back driver side tire. The same mechanic wanted to charge me again, for duplicate repairs. I was never reimbursed my money from either companies and in XX/XX/XXXX, my vehicle was repossessed for non-payment of my car. From the time I received that car until it was repossessed, I have been spending money to keep that car together. Electrical issues were within the first month and I was told by Carhop 's mechanics that they were just fuses. Well if it was just fuses, XXXX and XXXX knows me pretty well. Now, all I get are rude, arrogant, unprofessional calls from Carhop UAC finance asking for the remaining balance on a car they illegally repossessed and threats of damage to my credit reports. I just received a call today, from XXXX. The district manager of Carhops in Minnesota. She was the worst. I can't wait til the hand that rocks the cradle hits this company, especially after everything that was done to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Yamaha Motor Finance Corporation USA
State: NJ

Complaint narrative:
Dear Yamaha Financial ...

I am writing once again, very disturbed by the inability to speak with an operator at Yamaha Financial. Overall in the past few days, I have called your company over XXXX times, waiting on hold for periods of XXXX minutes, XXXX, minutes, XXXX XXXX minutes, and on and on. 

After first receiving a letter, dated XX/XX/2020, stating that my loan was being taken over by Yamaha Financial as of XX/XX/2020, I was under the understanding that my payment to XXXX XXXX, which was due by XX/XX/2020, had to be paid and then going forward beginning for the XX/XX/2020 payment, pay to Yamaha Financial. 

Now, after 4 days after receiving the first letter, I am being informed that my payment is Past Due and this has really got me upset. 

Please see the attached documents supporting all of my statements and advise of my go-forward plan. 

Respectfully, XXXX XXXX XXXX ( c ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: CA

Complaint narrative:
XX/XX/2020 XXXX  dispute department Account Number XXXX To whom it may concern : I started to work with XXXXXXXX XXXX XXXX   over ten years ago on Tax reduction of two rental, we owned in Texas. Very nice company to work with, till this came up. 
SInce our plans changed, we decided to sell the properties. 
A year before we sell the properties I called them and informed them by phone to stop the tax reduction process. However, for whatever reason that Tax reduction continued and we received the statement, even when we sold the property. I informed them again by phone, if agreeable I will prorate them up to the point we owned the properties, Did not hear anything till, I check my credit score. Some XXXX dollars now is {$1300.00}. I agree to pay them still to what I proposed without extra penalties, although there is an error in their bookings and communication. Since I informed them, legally I do not own them any amount. 


Phoenix recovery group is miss representing the facts, because We did not borrow any money from them, to report it as loan. 


XXXX XXXX

Company response to consumer: Closed with explanation