vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
Around about XXXX XXXX, 2017 I received a letter for me to dispute the debt within 30 days.The letter was sent out on XXXX XXXX, 2017 however I did not receive none of my mail until around XXXX XXXX, 2017 when I gave the debt collector a call. All of my mail was sent back to the post office trying to forward it back. I had to call the post office and walk in to speak with someone about my mail. I call the company Hayt, Hayt and Landau, P.L. an left a message stating that I just received this letter and I will like to dispute the debt. I  explained in the voicemail that I was not receiving my mail and that I have proof. I did not receive a call back neither anything in the mail. I tried calling them again and no answer. On X/XX/2017, I also sent to Hayt, Hayt & Landau, P. L., a Creditor/Debt Collector Declaration and I have yet to receive anything back from them. by law I was under the impression that they have to provide that information to me. No answer to my certified letter. The next thing I know I am getting a lawsuit served to me on X/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
The interest rates were capped by the US prime rate. I understand that I had a variable interest rate loan however at different times during the course of the last 11 years I was charged much more in interest than what was the " prime rate ''. My lender has indicated that the rate is set by the lender however my promissory note indicates differently. I was charged late fees at {$5.00} per month while the loan was in " in school deferment '', the loan was capitalized 7 times from XX/XX/XXXX-XX/XX/XXXX equaling almost {$4000.00}. This loan originally started as a {$6000.00} loan. At one point the balance was over {$13000.00}. That is over 100 % interest in the last 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.

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 2017-08-01 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being XXXX or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
XX/XX/XXXX I was contacted by XXXX XXXX to consolidate my school loans and lower my monthly payments. I agreed to the proposed consolidation, but it was noted that ONLY my loans, not my son 's XXXX XXXX loans, be included in the consolidation. I was told that for the next 10 years I would pay somewhere between $ 50-70 a month and at the end of the 10 year period ( or 120 ) payments, the balance would be forgiven. In XXXX, I received my first notification from FedLoan. I immediately contacted XXXX XXXX because the Parent Plus loans were included. FedLoan was contacted by XXXX XXXX and myself, but we were told that the loan consolidation was complete and there was nothing that could be done to reverse it. For the next few weeks, I was in contact with both XXXX XXXX and FedLoan in an attempt to fix this problem. Because of this mistake, I was also taken to court by my ex-husband - he was responsible for the ParentPlus loans per our divorce decree. I was told by XXXX XXXX to let the matter rest since my payments were at the amount that they had calculated - {$57.00}. I paid this amount for 12 months and received a notification from FedLoan to recerttify. Once I completed the recertificaiton process, I was informed that another mistake was made. I was NOT eligible for the repayment program and had to be put into another program. My payment was then calculated at about 5 times the previous amount - {$250.00}. Again, I contacted XXXX XXXX and FedLoan, but was not able to get any satisfaction. I was basically told, sorry we made a mistake, and nothing could be done. I contacted every agency to attempt to get some kind of assistance, I hired an attorney to file bankruptcy, and finally had to sell my home - the payments were increased to {$470.00} in XX/XX/XXXX. I have tried everything to get the matter resolved and feel that I have been grossly taken advantage of. Please note that XXXX XXXX has attempted to assist me with this matter and even provided monetary help to either take FedLoan to court ( no one would represent me ) or file bankruptcy. I would appreciate ANY feedback. After reading a number of articles, including the lawsuit against XXXX, I am not alone - but that does not help pay the bills! The sheer number of documentation I have is too great to include in this email, but I would be happy to send any/all via USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Regional Management Corporation
State: NC

Complaint narrative:
Regional Management is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted Regional Management when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX/XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!

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 2017-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 2017-08-01 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:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have on several occasions disputed with the student loan company as well as the three major credit bureaus that they are reporting four of my student loans being 30,60,90 or 120 days past due and this is incorrect ... I have current and updated proof that these loans are reporting correctly in XXXX which is the information system that at least one of the major bureaus if not all three bureaus collect their information from

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 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Did n't work for a week now I ca n't borrow from XXXX XXXX until my bank sends some information to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
My loan servicer is AES and XXXX. This debt has caused many problems for me and my family. My father cosigned for me on the loan, because I was young at the time. My father did not speak English, and still to this day does not speak English, does not comprehend, nor can read or write English. I was XXXX at the time this loan was signed. We both did not understand the terms of this loan. I had just graduated high school. Only been living in United States for six years. Neither of us understand the term of the loan. At the time we were in the understanding that we would pay back the amount borrowed after I graduated from college.
However when I graduated college, I noticed the amount of the loan has almost doubled. We owe more now than when we borrowed the loan. We borrowed {$29000.00}, we have paid back {$24000.00} and now looking at the balance of the loan, we still owe you {$33000.00}. I was making payments during my college years as well as after gratuating.
This contract is invalid due to The Deceptive Trade Practices Act ( DTPA ), because my father and I did not understand what we signed at the time of the contract, and I believe the worker was aware of the communication problems, but did not properly address it, or try to make us aware of what we were getting ourselves into.
Everytime I try to contact the loan servicers I get the run around, with out a real answer of how come I owe more than I borrowed after paying so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For the past month, my wife and I have been in the process of refinancing our home mortgage. The new loan has been approved and we were to close XX/XX/XXXX. This did not happen because Bank of America refuses to remove an old equity line lien. They should have done this in XX/XX/XXXX and they know this. For the past month they have lied to both my title company and myself. They keep saying they will remove the lien and provide proof of this to the title company in 5 to 10 working days. As of this writing, they still have not removed the lien. Every time either I or the title company contacts Bank of America, we get the same runaround. In my lifelong experience, this is typical of this particular bank and its employees. Meanwhile, my loan closing is being held hostage.
This is being done purposely and there is no other explanation.

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 2017-08-01 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: NC

Complaint narrative:
XXXX XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.

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 2017-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I applied for a loan of {$870.00} around XXXX 2017! I printed out a copy of the Loan Payment Schedule ... ..so that I would have a record of how much would be due, when each payment was due, how much was going to interest, how much was going to principal, and what my payoff would possibly be if I wanted to pay the loan off early.
I called after the first payment just to see what my payoff would be ( now remember I only borrowed {$870.00} ) at this point my payoff was almost double what I borrowed.
I called after my 2nd payment ... ..again the payoff was still almost doubled what I had borrowed.
Each time I called they could n't really explain in a clear manner what was going on, why the figures were so different, why they were getting much more than I had borrowed and why nothing they said was matching up with the Loan Payment Schedule that I had in my hand!
The reps put me on hold, I asked for supervisors ... ..the supervisors put me on hold, no one could give a clear definitive answer on how I would be able to pay this Loan off closer to the amount I had actually borrowed!!!
They constantly referred me back to the tiny print of the Loan agreement, they reminded me that the Loan accrued interest daily, which By The Way was over 500 % DAILY!!!!!!
I feel these people/this company are grossly unfair, customer service is almost non-existent, information about their loans are misleading, the numbers do not add up, the fees and payments seem to change daily, and you are not able to pay their Loans off anywhere near the amount that you actually borrow!!!!!! Also I found out that they ( this company ) is a federally recognized XXXX XXXX Tribe, but their businesses are not regulated by the Federal Government!!!! All I want is to be able to pay this Loan back close to the amount that I borrowed ... ..and not have to pay ridiculous exorbitant fees and interest! This Is Totally Unfair ... ... ... Right now as of XX/XX/2017 I have made 2 payments of {$370.00} of the {$870.00} My next payment of {$370.00} is due on XX/XX/XXXX ... ..I will have paid {$1100.00}! The Loan Payment Schedule has me set to make ( 6 ) payments to BPL ... .I will not need 6 payments to pay them back {$870.00}!!!! *Again my next payment of {$370.00} is due on X/XX/17, the ending amount at that time will be $ {$540.00}, which also shows that the beginning balance for XXXX 2017 will be {$540.00} ... ..I want to send them {$540.00} before XX/XX/XXXX and be done with BPL!! !! I JUST WANT BPL TO BE FAIR AND EQUITABLE WHEN THEY MAKE LOANS TO THE PUBLIC!!!! RIGHT NOW THEY ARE HORRIBLE!!!!! I would never advise " ANYONE '' to do business with BIG PICTURE LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!

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 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I made a large payment to pay down the principal of one of my student loans. Nelnet does not recalculate automatic loan payments and make it unnecessarily onerous in order for them to recalculate automatic loan payments. I 've contacted them twice with regards to me paying down the loan while the automatic payment amount has gone unchanged. This varies very differently from other student loan service providers I have used, specifically XXXX XXXX. In addition, Nelnet does not allow for me to change the automatic payment myself, so regardless of how much I pay they will continue to take additional money out of my account to force me into shortening the duration of the loan rather than lowering my monthly payments. I have already submitted a letter indicating I do not want to advance my payment schedule, they continue to ignore my requests.

Company response to consumer: Closed with explanation