vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: IA

Complaint narrative:
Navient is my loan servicer. My monthly payment is {$110.00} per month on a consolidated federal loan. I routinely pay my loan and have never missed a payment. Sometimes I make overage payments ( {$150.00} instead of {$110.00} ). Instead of applying the difference to the principal, they reduce the amount of the loan due for the next month. If I make a payment that exceeds the next month, they advance the due date of the loan. Per their instructions, I attach a post-it note to the check that says " Do not advance due date. '' Evidently this has not been happening. I just made a payment of {$500.00} ( that has not posted yet and it's been 10 days since I mailed it ) and they told me it would push my payment ahead four months. I told them that's not how I wanted it. I changed my account settings to reflect this on their online system as well. 

Navient consistently demonstrates their efforts to take advantage of students paying off their debts. They capitalize on the interest and hope they don't get caught. I explained to them that if they're going to extend my due dates out for the loans, I should just not pay them for four months, save the {$500.00} per month myself and then pay the entire balance off at once. 

This is utterly ridiculous. How can people get out of debt under this manipulation and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial has refused to hold their end of the contract and issue a title release or even credit the account closed. 

I called the middle of XXXX notifying them I needed an address to send a certified check, the gentleman who helped was very nice and provided an address to deliver the money to. 

Toyota received the monies for the account on XX/XX/2018. Again this was a certified check from XXXX XXXX  and included a master billing statement stating where the money was to be applied and the vehicle paid in full. I was expecting the account to be credited the following Wednesday since Monday was a holiday. That never happened. 

I called Toyota on that Friday and they stated they had a " short week ''. As I am typing this I am on hold with them expecting to talk to a manager as promised about getting the title sent out ( notifying the DMV ). 

Toyota has many problems with this same situation. I believe an attorney with adequate knowledge would find that a class action lawsuit against Toyota would end these criminal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: NY

Complaint narrative:
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX AND THEY TOLD ME THEY WOULD RENT OR ADVERTISE MY TIMESHARE I PAID THEM ON XX/XX/09 XXXX WITH MY CHASE VISA CREDIT CARD. I NEVER RECIEVED A CONTRACT UNTIL XX/XX/09BUT I CALLED BEOFRE I RECIEVED THE CONTRACT TO CANCEL AND I WROTE THEM A LETTER AND THEY NEVER DID AS I REQUESTED AND NEVER RESPOND TO CALLS OR ANYTHING. I BELIEVE THEY ARE A SCAM AND WHEN I LOOKED UP ON THE INTERNET THERE ARE MANY COMPLAINTS ABOUT THIS SAID COMPANY ABOUT JUST TAKING PEOPLES MONEY AND NOT FOLLOWING THROUGH WITH WHAT THEY TELL THEM. PLEASE HELP ME GET MY MONEY BACK I LIVE ON A FIXED INCOME AND MY HUSBAND IS IN A XXXX XXXX. I NEED MY MONEY BACK. THIS HAS BEEN A BATTLE FOR AWHILE NOW. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
A.R.S. 12-548 ( A ) ( 1 ) specifies a contract in writing that is executed in Arizona State.

Section 609 ( e ) ( 1 ) of Public Law 91-508, Fair Credit Reporting Act, strictly prohibits  reporting information for which there is no copy of application or substantiating signed document. 

As it stands, Wakefield & Associates are currently in violation of Section 621 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act.

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 2018-09-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
Contacted via phone to collect debt, never received a debt collection letter from XXXX  XXXX. Stated to Convergent that I never had a XXXX account, and suspect this was a XXXX account opened by someone else. XXXX debt is for {$160.00} from XXXX, do not know exact date because I was never provided a Debt Collection letter. This debt is over 14 years old and obviously exceeds the statute of limitations for debt collections. After stating to Convergent that this was not my debt, I received a letter stating they contacted XXXX and XXXX indicated that the Identity Theft claim on the account is not valid. I called Convergent on XX/XX/XXXX and explained that I did not incur this debt and that it is outside the statute of limitations and to cancel this debt, they stated they could not cancel and debt would remain open. I then called XXXX on XX/XX/XXXX and verified with XXXX that I DO NOT owe them any money. As stated to Convergent, I have never had a XXXX account and XXXX confirmed this 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 2018-09-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
was a victim of inquiries XXXX and Equifax said they can not help me I need to call or send each creditor letter to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
for the last 3 months, Portfolio Recovery has been calling my place of work harassing me and not willing to remove my work number, my employer has found out and is taking action against me for having non-work related phone calls at work. Personal phone calls are not allowed. I never gave the collector or anyone my work number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Have contacted Transunion Credit Reporting Agency about this line item. It's inaccurate and continue to show. The item is XXXX XXXX and reported XX/XX/2018, we have not had their services since we bought our new home 21/2 years ago. We are XXXX XXXX customers.

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 2018-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am writing this in an attempt to have a potentially devastating financial situation from happening. In XXXX of this year I contacted a Navient representative to discuss the financial hardship I have been facing and the impact that my adjusted loan payment would have on my family. I was assured by the representative in XXXX that, due to my financial hardship, if I resubmitted my information at studentloans.gov that they would lower my monthly payment amount to {$0.00}. 

I followed the representatives instructions and was told to wait to get confirmation of the new payment amount the following month. As I was checking my e-mail yesterday I received my payment information and was stunned to find that it was not {$0.00}, but in fact {$270.00} monthly. I made a phone call during a break at work to call to find out what had happened. The representative, while pleasant on the phone throughout the process, informed me that the representative that had guaranteed a $ 0 monthly payment due to my substantial financial hardship was wrong and that I would be expected to make a payment once my temporary forbearance period ended in XX/XX/2018. 

I have worked at non-profits and for both state and county governments over the last decade and it has done nothing to help my student loan situation despite being promised that it would. I was advised today by the Navient representative I spoke with to reconsolidate my loans with XXXX XXXX to try to get into their forgiveness program. Unfortunately, I am having a hard time trusting anything that a Navient employee has told me as it has caused a fair deal of grief. I was unaware of the possibility of income based repayment being low when I had lower monthly wages and because I was advised to use forbearance and deferments I am now left in a situation, where like many in the class action suit filed against Navient, I cant use those services when I need them most.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The problem is with EQUIFAX I was denied credit with XXXX XXXX by EQUIFAX and requested a free credit report and score and an explanation why. My original complaint # XXXX-XXXX dated XX/XX/XXXX. Their first response was a request for payment contrary to my being entitled to a free report. I objected to this request by initiating a complaint with the CFPB. EQUIFAX sent me another request for more personal information but no report, score or explanation again. A few days later, EQUIFAX finally sent me a history of all my credit transactions. ALL of them were shown to be paid in full AS AGREED, indicating a perfect record. But still no SCORE or EXPLANATION for the denial. Why is it so difficult to tell me???? Their last number, a confirmation # XXXX, dated XX/XX/XXXX 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: MD

Complaint narrative:
I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

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 2018-09-10 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: GA

Complaint narrative:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 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: GA

Complaint narrative:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

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 2018-09-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I most recently have gotten back my results from a dispute I have opened up about the following account on my credit report. " ACCOUNT # XXXX XXXX/XXXX   XXXX XXXX ''. The dispute confirmation number is XXXX. This account has yet again come back " verified & update '' despite the fact that I sent it a letter from the company stating that it had no contract with my signature on it linking me and proving that I am responsible for this alleged debt that is still on my credit report, bringing down my credit score and had cause a decrease in a line of credit I have with XXXX. 

I would like to know how was this account investigated? I would like to know to what methods was this account investigated and verified and updated? What human person at this company did someone from Equifax speak to and confirm that there is indeed documentation and a binding contract with my signature on in proving I am the one whom indeed opened, used and accrued debt on this account? 

I am again to believe that Equifax has broken FCRA laws and not done a complete and thorough investigation in to the validity of this account. I am to believe that yet again after another dispute with backing documentation, Equifax instead used the XXXX   system to yet again verify this account. 

As this account was wrongfully verified I would like it immediately removed and deleted from my credit report. Also for each time I disputed this account, whether it been by mail or online, I would like to be shown, IN FULL DETAIL, how each of these disputes came back verified or updated. If i am denied this information I will see the as yet another violation of the FCRA as negligent and willful noncompliance by Equifax. 

I intend to bring suite to Equifax, for multiple FCRA infractions and punitive damages they have caused me in pursuit of trying to get this negative account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I sent a letter on XX/XX/18 requesting Navy Federal Credit Union to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I wrote a certified letter to I C system asking them to validate the debt with an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original contract in question. I haven't had XXXX XXXX in the past 10 years. This company is engaging in re aging debt that has been lawfully removed from my credit due to statutes of limitation. The letter was returned to sender.

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 2018-09-10 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: MS

Complaint narrative:
was a victim of inquiries Transunion and XXXX said they can not help me I need to call or send each creditor letter to 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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX   via CFPB. 
Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. 
I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. 

Dates : XX/XX/18 Submitted original complaint. 
XX/XX/18 Company responded with their findings. 
XX/XX/18 Sent certified mail reply to company with my findings and explanations. 
XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18

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 2018-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was interested in applying for the Chase XXXX rewards credit card. I saw in the website that there was a {$95.00} dollar annual fee. Before I applied for the Credit card i reached out to Chase via @ CHASESUPPORT on XXXX  my handle is XXXX XXXXl and asked if the annual fee would be charged upfront when applying for the credit card. They stated that annual fees are charged on the anniversary date. I now noticed the fee was charged upfront and reached out to Chase again. They have stated that they did not make a mistake even though their is a clear communication record indicating they indeed made a mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has failed to respond to several disputes submitted to them on the following dates : XX/XX/18, XX/XX/18, and XX/XX/18 it is currently XX/XX/18. Equifax also failed to notify consumer within 5 days for an additional 15 days of time. Here are the following tracking numbers for XX/XX/18 XXXX, XX/XX/18 via XXXX XXXX, XX/XX/18 XXXX none of these disputes have been responded to via mail or any other form of communication.

Company response to consumer: Closed with explanation