vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-22 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: IL

Complaint narrative:
I have co-signed for my Son to attend School, XXXX, since he has graduated he has not secured work. Therefore he can not afford the monthly payments for both SallieMae and Navient. Because of this his student loans have grown substantially ... 

Navient -1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. Highway robbery ... 

SallieMae-1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. 

Please let me know what can be done about this ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: IN

Complaint narrative:
My mortgage is with BB & T Bank, recently I have been investigating ways to pay down my mortgage faster and I came across Biweekly Mortgage Calculator on BB & T 's website. It's a nice, easy to use calculator that you plug in your interest rate, mortgage amount, mortgage term, and payment type and it calculates your accelerated bi-weekly payment for you and shows you how much quicker you can pay down your loan. Ours figured out to pay off a 30 year mortgage in 26.4 years ... quite a savings! 
I called BB & T 's customer service number to inquire how I get set up on this payment plan. I was told they do not offer that type of payment plan, but I could send in my payments bi-weekly but it would not be applied until the full amount was received. ( the money would sit in a " holding account '' until the full payment amount was collected ). I ended up calling back a few days later thinking the rep I was talking to didn't understand what I wanted to do or was not knowledgeable of this program. I got the SAME ANSWER! 
I then asked for the corporate BB & T office number where I could speak to someone that was knowledgeable of this product. After 3 days I received a phone call back from a corporate manager stating they do not offer this product, and they were " checking into why this is on their website ''. She stated they do have a few customers that make bi-weekly payments, but they no longer offer this service. 
I don't understand how they can have this active link on their website under their Financial Planning Center tab to mislead customers when all they say is " I'm sorry, I know you're upset about this '' Sounds like false advertising to me! 
https : //www.bbt.com/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX : Received notification that a XXXX XXXX/XXXX XXXX application was being processed using my personal information. I disputed the credit card application with XXXX, XXXX, and XXXX. All three confirmed that a 'fraud alert ' would be placed on this credit application. I advised the bureaus that I have a credit freeze with all three, XXXX, XXXX, and XXXX. I do not understand how XXXX XXXX/XXXX XXXX can process a new credit application with 'credit freezes ' since XX/XX/XXXX. I confirmed with XXXX and XXXX that they could see the credit freezes ; the latter advised that I would need to call XXXX  and XXXX  directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert stating my overall debt increased by {$81000.00}. I checked and found out that Equifax is the only one reporting an " additional '' student loan from XXXX XXXX XXXX for {$81000.00}. It just appeared out of no where. The information is a match to an XXXX student loan that should have been deleted due to bankruptcy. They are showing BOTH on my credit and I now have student loan debt of almost 200k. I called them and no one could provide me with a valid number for XXXX XXXX. I called XXXX XXXX and they don't have a number and so here I am with almost 100k of new debt and no one can give me answers. I called XXXX  and they are upset about me including them in the bankruptcy and Equifax will not remove them from my credit even though they have the bankruptcy papers. This new debt appears to be a replica of the other loan ... just under a new name 1. Both opened XX/XX/XXXX 2. both high balances of XXXX But the notes are different. On this unidentified XXXX XXXX XXXX it states : Consumer disputes after resolution Student loan - payment deferred Fixed rate Student loan - payment deferred Account in forbearance How? I have never disputed to have a resolution after the dispute and the payment isn't deferred. My XXXX loan is in forbearance until my lawyer can have a judge make them remove it based on the Federal Courts Judgement. The notes on the XXXX loan are : Student loan - payment deferred Account in forbearance My issue is Equifax ALWAYS reports INCORRECT, DUPLICATE or DELETED information on your credit report and when you call them to point out their error ... .they make you do a 30 day dispute for their error and something that shouldn't be on your credit anyway. Last time they ( Equifax ) put  items from a 12 yr bankruptcy back on my current credit report due to a misunderstanding on their end of documentation I sent in. It is unnecessary stress, disrupts your life, ruins plans, wastes your time and messes with your credit score ... all due to their mistakes or employee mistakes. It isn't fair to me. This is their 4th time just putting incorrect information on my credit report. I have also asked them to delete the notes off my XXXX loan and they continue to lie and say it is done. They need to delete this and the XXXX XXXX XXXX account immediately. That isn't my account. I have attached my credit report and supporting documents for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau

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 2018-08-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My wife and I " purchased '' points on a timeshare XX/XX/XXXX using Visa card XXXX XXXX XXXX XXXX debited XX/XX/XXXX for {$5300.00} to XXXX  XXXX XXXX XXXX XXXX. We were mislead ( lied to ) in order to make the purchase and disputed the sale from time of purchase. XXXX XXXX, called us XX/XX/XXXX on a recorded line and offered to cancel the contract for this reason. That the contract had never gone through due to identification problems. This was documented and sent to customer service specialist Ms. XXXX XXXX XXXX of Visa. XXXX XXXX ( XXXX XXXX XXXX ) sent papers to sign negating the sale. They said they will keep the money paid, {$5300.00} as part of the settlement for letting us out of our contract. We state that there was never a contract with their own admission as evidence, stated twice on two recorded lines, one ours, one theirs. If there was no valid contract, and there wasn't, they have no right to keep the money and it should be returned. We have an abundance of documentation back and forth showing, without written dispute, that the contract was never in effect. We would be happy to send a file in support of these statements. I am XXXX and my wife is XXXX and financial elder abuse may be a factor here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I APPARENTLY HAVE AN OUTSTANDING DEBT WITH XXXX XXXX. THEY SENT THE ACCOUNT TO XXXX  XXXX XXXX. THIS COLLECTION COMPANY CALLS MY WORK AND CELL SEVERAL TIMES A DAY. UP TO 6 TIMES A DAY. I TRY TO TELL THE COMPANY TO STOP CALLING ME AND THEY HANG UP LAUGHING. I HAVE NOT RECEIVED ANY PAPERWORK FROM THIS COMPANY. AND XXXX XXXX REFUSE TO SPEAK WITH ME. I HAVE MAILED IN A CEASE AND DESIST, AND I HAVE CALLED THEM TO GET THEIR FAX NUMBER TO SEND IN THE PAPERWORK-THEY KEEP GIVING ME DIFFERENT ONES ( FAX # XXXX ) I DON'T OWE ANY MONEY TO XXXX, I CLOSED THE ACCOUNT WITH A XXXX BALANCE AND TURNED IN ALL OF MY EQUIPMENT THAT I WAS RENTING. AND SO DID MY WIFE.

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 2018-08-22 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: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I had previously tried to get Dyck O'Neal to correct their improper reporting on my credit reports. This last time they finally listed the original creditor which proves they are indeed a collections account. Yet they are not listed on my report as a collections account but rather as an open loan. So this makes my account look like I haven't made payments on a recent loan these past 120-149 days. The first deliquency was XX/XX/2016. This is basically termed, 'parking a debt ' to make it appear newer than it really is and is thus illegal. I have told them I am willing to pay the debt provided they furnish me a true validation that they own the debt ( not just them saying so and not a contract with the XXXX or bill, but a purchase agreement between them and the XXXX  or a simple letter from the XXXX on XXXX company letterhead ) AND they correct the illegal parking tactic reporting they put in my report. Just correct what is wrong. That's it. No deleting, just accuracy. I even asked if I could disputed the inaccuracy and they just not reply, because they are wrong, but they declined stating they must accurately report to the agencies by law, though they are inaccurately doing so. I'm running out of available options and feel that the company 's tactics infringe on my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Tried disputing over a year ago but did not get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NY

Complaint narrative:
I received a phone call from Ameritech back in XX/XX/2017. I was told if I paid {$82.00} a month for the next 10 years, my loan would be forgiven. The money started being electronically taken out of my checking account under the name XXXX on XX/XX/2017 for {$74.00} and then {$82.00} each month after. They continued to call me and ask for a copy of my tax returns and my signature which I did not give them. The money was still being taken out of my account I thought it was paying my student loan. when I was notified from the XXXX XXXX XXXX about a lawsuit and the money did not go to my student loans, I called Ameritech to opt out and ask for a full refund. They refused to give me the full refund and said they could only give me {$200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
From XXXX to XXXX I had been placed in a trial periods every three months. US Bank had been redlining my loan for 3 years and accepting my payments during this time. I also received every 3 months, threatened with foreclosure. Not only did I continuously make the reduced payments to avoid foreclosure, I had to obtain assistance from local FHA/Foreclosure Agencies in order to save my home. I now find out that there has been placed an additional 2nd lien on my home for {$34000.00}. This is capitalized interest, yet they are unable to tell me the interest rate, how they came up with this amount, nor do they want to provide me a pay history since inception of my loan. They also discriminated against my race/ethinic status and denied the modification for 3 years, capitalized on the interest. US Bank still will not release a payment history from inception XX/XX/XXXX to current.

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 2018-08-22 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: IN

Complaint narrative:
I have made several requests for EXPERIAN to verify information they are reporting on my behalf to others on my report. In my written requests for this information I requested them to send me a copy of the information they used to verify the information they are reporting is valid. I requested contact information be sent to me for all debt they have indicated is valid. I ask to have the info verified or removed. EXPERIAN has failed to properly verify the info or its accuracy and provide me with the documents they have used to verify the debt but have sent me responses saying they have verified the debt and it is valid. I sent them several requests in writing in regards to the accounts I will list below. I sent the request both online as well as via mail on the following dates XX/XX/2018, XX/XX/2018, and XX/XX/18. The accounts I am listing are either reporting incorrectly or they DO NOT BELONG to me at all. I have requested them to properly report information on my credit report but they have failed to do so and have refused to do so which is a direct violation of my rights. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kentucky XXXX XXXX XXXX XXXX XXXX Bankruptcy Court 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 non-monetary relief
Consumer complaint received 2018-08-22 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
Tried disputing over a year ago but did not get anything resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 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: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
My husband and I applied for a loan with a local bank, and they need to pull our credit reports from TransUnion. After the XXXX data breach, I had frozen both of our credit reports with all three major credit bureaus. On Friday, XX/XX/2018 I logged on to TransUnion for both my husband and myself and temporarily lifted the credit freezes until XX/XX/2018. Both he and I received receipts from TransUnion indicating the temporary lift was in place. On XX/XX/XXXX the bank called to say they could not get access to either of our credit reports. I logged onto both our accounts and saw that my husband had no active lift in place, but I did. I placed a lift on his account until XX/XX/XXXX. On XX/XX/XXXX the bank called to say that they again could not access our credit reports. I called TransUnion on XX/XX/XXXX to find out what was happening. After several hours of fruitless navigation of their web site, I finally was able to talk to an actual person, who took information about my account, put me on hold to check the account, and then completely disappeared. I called again, waded through their convoluted phone tree, and finally talked to a person who was able to check our accounts. He indicated that there was an active lift in place for both accounts, and he had no explanation for why the bank could not access our credit reports, nor did he seem interested in helping us. The only advice he offered was that the bank should try again, and if not successful should contact their " local marketing department. '' He was unable to explain who or what this organization was. I relayed this information to the bank and this morning XX/XX/XXXX the bank called to say with the help of the company they use to interact with TransUnion they were able to get my husband 's report but not mine. I logged onto my account yet again only to find that there was no active lift in place. I again put a lift in place for my credit freeze, and am waiting to see if the bank can access my report. Since these credit reporting agencies amass out personal financial information without permission and apparently any accountability to the consumer, they should at least be required to provide a minimum of customer service to make it easier for the consumer to control when access to this information is permitted.

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