vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I currently do not have trouble paying back the loan on the terms provided by my lender. That being said, from a consumer standpoint, I find my provider, Navient, formerly XXXX XXXX, to be so inflexible in the terms of repayment for their credit that it bridges on the unethical. The company provides no options to refinance my loan, to consolidate my loans, to extend the payment period for my loan, or to defer or forbear on my loan ( note, they offer the opportunity to defer the loan for a three month period for a fee of XXXX dollars, which is a palpable absurdity when one considers that a person asking for forbearance is experiencing a financial difficulty ). On XXXX occasion, I called a customer service represented to ask why my loan was so inflexible and they were unable to provide a reason or explanation. This has affected me in the past though I am currently ahead on my loans - and my fear is that this inflexibility is causing extreme financial harm to others like me who have lent from Navient but are not fortunate enough to have the means to make their monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I was in school. apparently had no knowledge of this private loan, nor the high interest rates. I was definitely pressured into this loan. Unfare practices and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wife and I were contacted by Bank of America about a home equity line of credit we have on a rental property where I have my counseling office that is due to expire XX/XX/XXXX. We currently pay {$270.00} per month on a fixed rate of 3.25 %. BOA estimated that our payments can go to {$1100.00} per month for 120 months. When i contacted them I was sent to their debt collector department and treated as such. When I ask them what we can possibly qualify for they stated that most likely we will be turned down and the best thing to do is wait till next XXXX when the loan goes up. Again this is a rental property with other business tenants besides me we ca n't wait and increasing rent in our rental market is not an option. We may have to attempt to sell the building. I would like to be able to speak to someone at BOA that can actually assist us .Also when I asked them what the formula is for qualifying they stated they can not release that information because customers will use it to fudge their application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I took out student loans through the XXXX in XXXX roughly to help me pay for my degree. They suggested I take out loans with XXXX who was the number one provider in student loans at the time. I did n't finish school and XXXX started hounding me for money that I owed them. They kept defering my loans as I was unable to make payments. After I finished with XXXX XXXX Application ) they expected me to pay them within two weeks of graduating. I was able to push the due date back to 30 days as I felt it was wrong of them to charge me so soon after graduation. My mom and I worked with them to put me on an income driven plan that had to be renewed every 15 months. Towards the end of my second term of the 15 month plan, I was so fed up with dealing with XXXX who had become Navient, that I wanted to refinance my loans and get them out of their hands. I contacted XXXX who told me they would buy out both my federal loans and my private loans and reduce my payments. They told me not to contact my creditors as this could slow down the process. I did as they asked. In XX/XX/XXXX Navient was able to contact me and verbally threated to use my high balance credit card to bring my account current. I contacted Navient in XXXX telling them to stop the payments as they were being bought out. Needless to say, I received 6 months of delinquent charges from Navient because XXXX did not pay my loans on my behalf as they were supposed to. I got in contact with the Minnesota Attorney General 's office to get a full refund so I could bring my loans current. I received a partial refund, and was able to bring the accounts current in either late XXXX or early XXXX. I asked Navient to remove the delinquent charges, which they stated they could n't. They suggested I write to the credit bureau and ask them to remove the charges. I received a call a week and a half later from Navient saying there was nothing they could do. Every time I 've talked to Navient, they are rude and are unhelpful. All I want is the delinquent charges removed as I was doing what I was told by a 3rd party company, who stole hundreds of dollars from me. I 'm including letters I received from the Attorney General, as well as some of the emails I have sent to XXXX asking for a full rend.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The interest rate on my loan more than doubled during Navient 's handling of my loan. Interest was charged incorrectly and payment status needs to be corrected. I would like a refund of overcharging for interest payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My account was closed with no warning or communication. My account had suspected fraud due to some suspicious transactions and Bank of America closed it with no correspondence. I have n't been able to open a checking account since and do not want to wait 5 years to open another one.

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 2015-05-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed an account with Equifax about an collection account. 
The dispute was with XXXX XXXX XXXX regarding a comcast cable bill. 
I have made several attempts to get debt validation from XXXX XXXX XXXX regarding this debt. They have not sent me any debt validation. Over the phone I was told by their representative they do not have the information and they need to get it from the original creditor. That was over 2 months ago. 
Equifax had noted the debt came back verified. I do not believe they received accurate information for this collection debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX, Equifax , and XXXX have dropped my credit score after entering into a debt management plan to repay what I owe. These agencies have rate my credit as poor after XXXX XXXX has written off my debt as bad debt, but I still continue to make payments on my account and have never been late. I am asking the credit agencies to remove it as bad debt since I am making payments and never have been late to raise my credit score. I finally have identified a critical mass of people in the same situation to purse this legally ( with the assistance of a law firm willing to move forward ), but i was asked to pursue this avenue first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dismissed Bk Check again a with the law bk can stay from the date they were Add to adjudicated incase you did not know that means the time it was processed through court so the very act of dismissing means it was not adjudicated however since you it still is ok Equifax knows who I am if they say they do n't again it because they are lying. They do n't need proof of anything they have it. here are my list of problems with them 1. CA state tax liens there are XXXX of them they keep verifying them they pad and released but that 's not the issues the problem is the dates the amounts and who they belong to. I want the method of verification I want to know who you speaking to and at what number you contacted them I want to see all paper that was included in that verification and just saying the court is not good enough because it does not meet FCRA standers.2. The being verified I am requesting method of verification such as filing dated dismissal date what was included in the BK address used in the filing and whom you spoke to and when you spoke to them and at what number so I am to talk to them in regards to your verification Well that brings me to the number XXXX The federal tax liens you have it all wrong the dates the amount whom they belong to and that they are withdrawn given that again I am requesting method of verification it is my right and your duty to provide me with this information or remove it under the FCRA they also are reporting XXXX collection accounts from XXXX this company is being reporting illegally on my credit and this company has been reported to the XXXX because of hippia violations and they are now involved in that XXXX they are also reporting southwest recovery and they agreed to be removed through this web site

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute on XXXX/XXXX/15 asking for Equifax to validate the debt of XXXX XXXX and XXXX XXXX XXXX # XXXX account belonged to me with documentation showing it was mine and the amount owed. On XXXX/XXXX/15 XXXX they sent me a statement verifying they validated the debt belonged to me. on XXXX/XXXX/15 I sent another request asking them to verify the method used to validate the debt and to send proof of documentation. On XXXX XXXX they sent me a confirmation XXXX saying they verified the debt again with no documents or method of verification. This has been an ongoing issue and they have failed to properly verify the debt by proving it belongs to me and showing me the documents. It is not my job to validate the debt is not mine but it is their job to validate the debt is mine. On XXXX XXXX I asked for the method of verification again and today on XXXX/XXXX/15 they again sent me they verified the debt. I also reached out to the collection agency and was told they would furnish me all the documents and I never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/2016 XXXX {$160.00} OPENED XX/XX/2016 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 up top. 
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 do n't 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 these items removed, I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was informed that I can check my Equifax dispute on their website. When I check the status of XXXX it 's says should be available on XXXX/XXXX/16 and even the automated system says my investigation is complete but when I go on the website it says pending and no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows THIS ACCOUNT IS A FRAUDULANT ACCOUNT : B XXXX FIN SVCS LL XXXX IQUIRE NOT DONE BY ME ADT LLC ADT SECURITY Miscellaneous XX/XX/XXXX Equifax DEFENDER SECURITY Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX SER Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX XXXX SER Miscellaneous XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX TransUnion & Equifax XXXX Bank XX/XX/XXXX TransUnion CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Finance XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX Bank Apr 2, 2015 Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX, XXXX A Oil Companies XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax XXXX Miscellaneous XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XX/XX/XXXX Equifax CREDIT PLUS Miscellaneous XXXX EquifaX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC
State: LA

Complaint narrative:
I received a call from my home owners insurance that my premium was not paid as of XXXX XXXX, XXXX. I called my GMFS to convey the need to pay the premium that was due on XXXX XXXX, XXXX. GMFS said that is was mailed out to be paid. Three days later, the insurance called me again and said no funds/check was received. I call GMFS back and they said they paid it to my XXXX XXXX ( XXXX insurance company ). 
I contacted XXXX and they said because I no longer have an account with them, the check will be sent back to GMFS. 
I call GMFS back and disclosed that information. Asked if they can cancel the check and reissue another XXXX to the proper insurance company. They said no they could not. So GMFS rep said he was going to make some calls to locate the check. 
On XXXX XXXX, XXXX I paid my mortgage and realize the insurance was not paid. The due amount was over XXXX and my mortgage is only XXXX. I paid the amount due still not knowing what happened to the escrow funds for this purpose. I called again to for more clarification on XXXX XXXX, XXXX and still no lead way on the escrow. Fortunately it was paid because XXXX suffered a major tornado storm on Tuesday XXXX XXXX, XXXX. 
I called today ( XXXX XXXX, XXXX ) to speak with the supervisor because no one knows where the escrow funds are and my account is out over XXXX dollars. The manager XXXX XXXX approach was unprofessional,. rude and a brush off. He said he was going to look into it and call me back in 24 hours. I have been waiting already almost two weeks. 
Today

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
What you are doing Equifax is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Equifax , you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Equifax you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Equifax for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Equifax

Company response to consumer: Closed with explanation