vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-06 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: Nelnet, Inc.
State: WA

Complaint narrative:
I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On various occasion as I entered my XXXX program training in XXXX XXXX in XX/XX/XXXX, XXXX accredited program, I tried to place my loans of deferment knowing that I qualified I was denied and was told that I did not qualify. Every year I maid the attempt to place my loans on deferment and was not allowed. on XX/XX/XXXX I made a call to Navient and was told that I did qualify at required me to sent a letter. Letter was sent and never was processed. Just recently XXXX XXXX placed a remark on my credit score even though my loan had not gone into repayment affecting my credit score ; following month it went in repayment and payment was made. My sent documents or not in their web page they have eliminated everything before XX/XX/XXXX from messaging sent and received by me and them. I was miss guided along the process and was placed on forbearance knowing that I did qualify for student loan deferment on the subsidized part of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient has been an absolute pain. I have submitted request for loan forgiveness and low income payment option they always say they do n't get my paperwork. they will never have someone higher up contact me. this has been going on since 2015. I have documentation. The call reps are always rude and force me into forebarrance i have no clue what this means or what it is. When I make complaints and tell them i have info and a fax report saying they received my docs they respond I sent them to another company not Navient. I am far from slow I know who I send my stuff to. My credit report is horrible they refuse to fix the issue or back date it is always a run around with the reps. When I ask them to send me my file my call log and ect they say this is impossible. On several occasions I have asked them to record the whole conversation they will not. They do n't log half of the calls. I 'm lost it is impossible .. I 'm at the mercy of the receptionists.I feel like they are purposely doing this. Also, XXXX college pressured us into using this company. They offer funding through them for programs and then do n't offer classes or add more to accumulate more funding and require you to extend your stay. it is a scam it is predatory lending. I can not even use the degree they told me I had to get unless I was a nurse so I do n't even know why I was allowed to be in the program. Every time I ask to speak to someone I never get anyone in charge I WAS NEVER TOLD I COULD FILE A FORMER COMPLAINT EVEN THOUGH I HAVE ASKED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have multiple fragmented credit files with Equifax. I have submitted 12 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My divorce was finalized XX/XX/XXXX after 30 years of marriage. I filed my own divorce surrendering everything and all debt to my husband due to no money after being bankrupted in a custody battle over my XXXX granddaughters in my care through CPS. I have been targeted with unbelievable cyber XXXX destroying 78 computers, my online identity and ability to work or attend college without harassment. I have mailed my final devorce decree to all agencies and they will not separate my file removing all my ex 's debt. He has the house. I am in shelter with my mother attending college. All bad debt was placed in my name alone and sued twice by XXXX XXXX for debt that was originally applied for joint. I cant establish new credit because the debt ratio does not line up with my income with his debt on my file. I need a separate file in my new name. I only have {$450.00} student loan and a XXXX XXXX joint with my mother with a XXXX balance. I have filed over 100 police reports of the cyber XXXX and ignored. I just tried to sue the FBI to have them document my case and DENIED by the judge to sue as pauper. I have sent letters for help to XXXX XXXX, ic3, President Trump and every agency over the past 6 years. I was just accepted in XXXX School with a XXXX GPA and not able to attend because of the extreme technology interference. I have a perfect clean background and a XXXX grandmother that has lost everything and blocked rebuilding credit, finding employment and getting a degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have made several attempts over the past few months to have XXXX and Equifax to accurately report my on time payments on my credit file to no avail and to date, I have been unsuccessful. XXXX 's last report date was XX/XX/XXXX. Is there a reason why XX/XX/XXXX and XX/XX/XXXX reporting was n't made on this date ( XX/XX/XXXX ), when in fact XXXX is responsible for reporting on the XX/XX/XXXX of each month? Per my reporting via Equifax pulled on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment status reflects " NR '' while XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were left blank without a reporting status.
XX/XX/XXXX - XX/XX/XXXX should all reflect as " paid on time '' not XXXX for XXXX XXXX or left blank. This is an on going issue that has not been directly addressed. My concerns are " specifically '' geared towards the above mentioned months NOT anything beyond that. Again, I am requesting that XXXX correct and update the reporting of my on time payments for the months of XX/XX/XXXX- XX/XX/XXXX. See the attached supporting documentation. Please do not respond with a letter that does not specifically address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
XXXX XXXX, 2017 XXXX XXXX XXXX, Texas XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on all 3 credit files that is inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify theaccuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification : Conns Credit Corp XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have an XXXX card issued through Comenity Bank. I told them ( XX/XX/XXXX ) to close my account, which had a XXXX balance and is never used - and I received a confirmation email from them that it had been closed. A few months later ( XX/XX/XXXX ), I received a promotional email encouraging me to use my card. When I logged into my online account, it still shows the card is open with {$2000.00} available credit. I emailed customer service and told them again to close my account. They sent me a letter stating my account had been closed as I requested in XX/XX/XXXX. A month later after getting another promotional email, I told them to close my account. They responded that to resolved the issue I had to call them. On XX/XX/XXXX, I received another promotional email encouraging me to use my card. I logged in again and my account is still active. I emailed customer service again today ( XX/XX/XXXX ) that I wanted my account closed immediately. I should not have to call and argue with an account rep who is going to use a strong-armed sales pitch to get me to keep the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06 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: CA

Complaint narrative:
I have tried to dispute this before with TransUnion, but they apparently do n't want to hear the truth. XXXX XXXX XXXX is saying I owe them XXXX from an original Creditor XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.

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 2017-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony bank calls at XXXX or a little after on Sunday mornings. The law says they can only call after XXXX to XXXX on Sundays. I do n't want to be disturbed like this on Sundays. I 'm trying to work things out and feel as if they are harassing me. They also call six to seven times per day. They do n't make it easy or pleasant to do business with.

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 2017-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I have been cleaning up my credit report all year, and I get a notification that a collection acct been added to my credit report to my knowledge I never heard of this company, Calvary collection agency stating I owe XXXX which I asked what company this debt coming from. XXXX XXXX XXXX dropped off my credit report because I paid and they agreed to delete and turned around BBB and sold my paid to deleted acct that was removed to XXXX collection agency, I was n't notified about this action of selling debt off my debt that a previous agency agree to delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Settlement with Wells Fargo on X/XX/16 - we were required to provide funds to complete the required XXXX repairs and cost to purchase the above property. Wells Fargo applied the unused fund to pay down the loan. We believe that ( {$1000.00} unused ) money should be refunded to us since it was not part of the loan amount. We contacted Wells Fargo numerous times in writing and through many phone conversations. When we were not able to resolve the dispute with Wells Fargo, we contacted U.S. Department of Housing and Urban Development in writing who in turn directed us to contact your department. Hopefully, someone there will be able to help us resolve this dispute.

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 2017-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have filed a complaint with M & T mortgage ( Complaint number : XXXX ) which I am awaiting response, but I would like to add important additional questions for response to that same complaint number : Why did M & T rewrite the Note/Promissory Note on our loan change, but appears to clearly kept the same original extended adjustable interest rate repayment part in the Note, etc., but did not keep the MATURITY DATE THE SAME ( caused a payment from 15 year payoff to a 30 year payoff ). Why not make other adjustment to adjust the monthly payment ( like lower the interest rate ). Why are the ( Loan Servicing form ) created for the Promissory Note change and loan change not signed by any employee from the bank ( i.e. XXXX XXXX, Vice President of XXXX XXXX XXXX , XXXX, as Servicer, whose address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. But their is no signature. XXXX and M & T mortgage should have all these copies.

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 2017-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
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