vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.

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 2017-10-06 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: CA

Complaint narrative:
I am one of the estimated 143 million Americans who was affected by the Equifax hack that occurred XXXX 2017. I 've worked hard to be in a position where I am financially secure. I will have to live the rest of my life, fearful of my finances being undone with the data stolen from Equifax. 

- Equifax has shown they can not be trusted to not securely manage my personal and financial information. 
- Their lax approach to securing my data that I did not consent to their gathering has put my finances at risk. 
- Not only have they stored my data unencrypted within their unsecured network they failed to address these issues and continued to lie to the victims. For example, this tool which was generating random answers and not actually informing people if they had been hacked. https : //www.equifaxsecurity2017.comXXXX - There has been a reckless disregard for the security of the information they have gathered on consumers. Their inability to be transparent and truthful has made it impossible for consumers to secure their personal data. The very company consumers have to work with to remedy the crime can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: AES/PHEAA
State: LA

Complaint narrative:
In XX/XX/XXXX, I requested that my loans be placed in forbearance through XX/XX/XXXX because I would be away for military training ( XX/XX/XXXX-XX/XX/XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XX/XX/XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would  check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX. This letter is dated XX/XX/XXXX. Although my  forbearance was approved, FedLoan refuses to correct this on my credit report because the letter is dated for XX/XX/XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: NY

Complaint narrative:
I have 5 private student loans and 2 federal student loans with Navient. I have been repaying the loans for 7 years now, and have not missed any payments, although it has been a financial struggle and I have not able to move ahead. The original amount of the 5 private loans that I have taken out were : {$15000.00} ; {$15000.00} ; XXXX ; XXXX ; and XXXX. The amounts that are owed on these loans after 7 years of repayment are {$16000.00} ; XXXX ; XXXX ; XXXX ; and XXXX. The 2 federal loans are XXXX and XXXX. Amounts now owed on these are XXXX and XXXX. 

After 7 years of paying these loans, they have not gone down, but up!! I called Navient 2 times about this but they did not respond back to me with any reason. Why would this continue to go up in amount due?? This does not seem right at all. How and why would this happen? Please help because Navient sure is n't. Should I consider getting a lawyer to help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Two fraudulent Hard Inquiries on my account. 
The first one is from XXXX Bank. It is showing up only on my TransUnion credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XXXX XXXX XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX Bank agai, spoke with XXXX in their fraud department today, XXXX/XXXX/XXXX XXXX EST and they are again promising that they will remove the inquiry with XXXX days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XXXX/XXXX/XXXX. It is only showing up on my XXXX report and it registered as XXXX. I called the number that was associated with this also on XXXX/XXXX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my XXXX report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Phone # ( XXXX ) XXXX I have on my credit report showing account charge off for {$2900.00} and I have obtain back on XXXX/XXXX/XXXX a letter from the District manager showing a {$0.00} balance from the District manager and sign by him. On my credit report status on XXXX XXXX shows this but XXXX XXXX sent me a letter on XXXX as {$0.00} balance and Experian will not update my credit report as well as wrong information on the account showing. I have provided them with the letter from XXXXXXXX XXXX and there phone number if it needs to be verified but Experian has yet to do anything and keep telling me nothing is going to change. I want to no why is this when XXXX XXXX has tried to updated in the system with Experian but they want update the account showing as paid or remove the 90 days late on my file. I have tried month after month and nothing from Experian to this matter. I want the account updated and showing as a {$0.00} balance as I have proof from XXXX XXXX or removed from my credit file. 
I have been requesting this since XXXX and wrote and filed complaint letter and a dispute form with Experian. this is not right on there part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: CO

Complaint narrative:
In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I sent a dispute letter on XXXX/XXXX/XXXX, complaining about a wrong tax lien that was posted in my account. As of today, I still did not receive the results of the investigation and the negative item is still in my report. Equifax has been very unprofessional about this and they breaking FCRA laws " 609 - 15 U.S.C. 1681g '' and " 611 - 15 U.S.C. 1681i ''.
They insist that the item was verified without never doing any verification and the refuse to answer my question about the method of verification used as required by 611 - 15 U.S.C. 1681i paragraph ( 7 ) and paragraph ( 6 ) ( B ) ( iii ). They are breaking the law. Especially now with the new laws that went into effect on XXXX/XXXX/XXXX specifically about tax liens and other civil judgments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am paying back a Parent Plus loan for my daughter. The loan was originated from XXXX XXXX, everything seemed to be accurate until Navient took over the loan. I have always paid more than the minimum on the loans each month, I also never was late, however the balance of my minimum payment almost doubled and the balance seemed to be higher in the end than what i should be paying. I contacted the company and they told me at one time I was paid ahead but now i am not and i had to have a higher minimum payment to make sure my loan was paid off in allotted time. i have always paid more than the minimum and this made no sense to me. When XXXX was our provider on XXXX 13 we owed a balance of {$5100.00}, today our current balance with Navient is {$5400.00} there is no way these totals are correct, we called and the way they explained it to me i honestly can not understand, we will never get this loan paid back at this rate until the problem is solved with the numbers, it makes no sense, we need help figuring all this out, but customer service is no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: NJ

Complaint narrative:
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX  and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to transunion and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: NJ

Complaint narrative:
This company is calling me regarding a debt from XXXX for The XXXX. They repeatedly are calling me constantly even though I told them I am out of work and can not make any payment at this time. This is a series of multiple calls I am getting on both phone numbers of XXXX and XXXX and I am getting robo-calls constantly all day long when I am trying to look for a job. The calling usually starts at XXXX in the afternoon and I think this is a tactic of harassment towards me by someone that is purposely bothering me. It is apparent they have gotten into my credit file and the calls started when I was laid off. The robo-calls are constant and not from the same company and I put a alert on my credit file as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Trust Management LLC
State: AL

Complaint narrative:
On XXXX XXXX I received a phone call from Global trust management who stated they were collecting for XXXX. I have never had an account with XXXX however they knew all of my personal information. I have never authorized any type of online loan in my name. Someone has used my identity online to setup an account. I have not seen anything placed or removed from my checking account from either company so i know this information is false. When Global Trust called me they was hateful and told me that they would be suing me since I didnt have knowledge of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Convergent Resources, Inc.
State: NJ

Complaint narrative:
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: Aargon Agency, Inc.
State: NJ

Complaint narrative:
There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the aargon agency with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: NJ

Complaint narrative:
I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on XXXX XXXX it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with XXXX for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: LA

Complaint narrative:
In XXXX XXXX, I requested that my loans be placed in forbearance through XXXX of XXXX because I would be away for military training ( XXXX ), and also that the military 's student loan repayment program will soon pay their share of my student loans. I was told that they would be ; later in XXXX I discovered that they were not and this adversely affected my credit score. I called the company to complain and a supervisor said that he would check the tapes to verify my claim that a representative from the company assured me that the loans would be placed in forbearance during this time. I did not hear back from the supervisor, but I did receive a letter from the company stating that my loans were approved for forbearance from XXXX XXXX, XXXX to XXXX XXXX, XXXX. This letter is dated XXXX XXXX, XXXX. Although my forbearance was approved, XXXX refuses to correct this on my credit report because the letter is dated for XXXX. I have consistently paid my account with them ( and all of my creditors ) on time, except for the two months that I thought the loans were in forbearance. I submitted a letter of good will pleading my case, and the company told me that they do not grant good will exceptions in any case after I called them twice to check on the status of my request. I have also disputed this issue numerous times, and each of my disputes were rejected.

Company response to consumer: Closed with explanation