vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX, Navient had a principal balance of {$21000.00} on 4 loans. I made payments of {$120.00} a month, with a certain amount of the {$120.00} paid to each loan. I pay through Navient.com. On that page it shows my payment that is applied to each loans principal and interest. I paid a few dollars above the interest showing on the web page for each loan. For the entire year of XXXX, I paid {$120.00}, even though the accrued interest for all 4 loans was {$100.00}. Not a single penny on XXXX went towards lowering my balance. In XX/XX/XXXX, I was hit with a {$980.00} increase in my loan balance to where my new principal went to {$22000.00}. This affected my credit report as a derogatory remark, even though I was making payments above the accrued interest on all 4 loans. I called Navient and they informed me that the additional charge was for capitalized interest that had accrued on the account and that for my payments to go down, I had to pay {$880.00} first before I could begin to see a reduction on my principal. This information was not communicated to me in a timely manner. I paid the entire year of XXXX without being notified of this amount of capitalized interest. There was no letter, email, or notification on the website if this accrued capital interest. So now I have a derogatory remark on my Transunion credit report, my total principle went up from {$21.00}, XXXX on payments of {$120.00}, which covered the accrued interest of all 4 loans. Then my principal balance went up to {$22000.00} in XXXX. Why was I not notified of the status of the principal of my student loans? Why no notification in a timely manner? Why was this capitalized interest increasing in XXXX not showing in my balance in {$2000.00}? Why was this capitalized interest not showing on the website in XXXX? Why was this capitalized interest, which was accruing in XXXX all charged in 1 month in XXXX? Why do I have to make a {$880.00} payment to even begin paying {$1.00} towards the balance on my student loans? I feel this a violation of the Fair Credit Act. I feel the services violated the terms set by notifying the borrower within 30-60 days of a change, an increase in the interest. I believe it is a violation that Navient did not inform me that an {$880.00} payment has to be paid this month before a single payment can be applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: MO

Complaint narrative:
The credit bureau XXXX, XXXX , & Transunion has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & Transunion has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX XXXX, & Transunion failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. If the following accounts and inquiries are not deleted immediately from credit profile.

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 2020-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a Business Fundamentals Checking account under the promotion of deposit {$20000.00} in 60 days and complete 10 transactions for {$500.00}. 

I went IN-BRANCH to a teller in XXXX XXXX, NV while on vacation to deposit my remaining {$13000.00} to meet the {$20000.00} requirement. While there, the banker verified that I had the {$20000.00} deposited and the 10+ transactions posted. I then have waited over 4 months for the bonus to post. 

I now finally have time to sit down and escalate this even further, as I have not been able to get this promotional bonus I earned.

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 monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I own only 1 credit card which I completely paid off in XX/XX/XXXX, and have not used card since. On XX/XX/XXXX, my FICO score on Experian increased to XXXX. On XX/XX/XXXX, my score decreased to XXXX due to short credit history. The citing of " Short credit history '' has never been cited before on my Experian account until I paid off my card. Oddly, the moment my score increased to XXXX, Experian began urging me to sign of for Experian Boost. After my score decreased to XXXX, Experian again urged me to sign up for Boost. I believe Experian artificially decrease my score so that I would sign up for their Boost service by linking my bank account, which I do not feel comfortable doing. I believe his is fraud. My car loan is always current and I have absolutely no collections or late payment. My credit to income ratio is low.

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 2020-05-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-05-06 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: NV

Complaint narrative:
I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
XX/XX/XXXX - I called Capital Accounts regarding item on my credit report that reflects derogatory from XXXX XXXX. This company began calling me on XX/XX/XXXX regarding this debt and I advised them I do not owe the debt. I requested they provide me proof. They refused to acknowledge the dispute verbally and advised me to send the request in writing. This company has called me repeatedly using an automated dialing system and at which time I advised them I did not provide them permission to call my cellphone for any reason, I am billed for these calls. Each time they call I demand they cease contact attempts by phone. Even during the COVID-19 pandemic they continue to call regarding this debt and I have advised I refuse to make payment. I have been hung up on, yelled at, talked over, belittled and harassed by at least 20 employees at this company. Most recently on XXXX I advised I want proof of the debt and the agent told me already provided it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-05-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

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 2020-05-06 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: GA

Complaint narrative:
Navy Federal is reporting a closed credit card account on my credit profile that I was an Authorized User. The account is negatively impacted my credit, which is unfair because I was not responsible for this debt as an authorized user.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my XXXX and Equifax reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: Armcon Corp
State: CA

Complaint narrative:
Coachella Valley Collection Service, account NO. XXXX is wrongfully portrayed on my XXXX and XXXX reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I called Nelnet, to discuss my options related to Covid-19 deferrals. When I spoke to the representative, he told me that my loan was not held by the Federal Government so I did not qualify for the federal student loan deferral program. He then explained that Nelnet had a separate program for private borrowers. The program terms were the following : 1 ) three month pause in payments 2 ) no change in " borrower incentives '' on interest rates 3 ) interest would accrue at the same rate, including the borrower incentives, even though no payments were being made.

4 ) Payments resume XX/XX/XXXX at the same rate as before. 

I agreed to the deferment on the terms as I have outlined them above. 

Today, I received notice that my borrower incentives were removed from my account. When I called the lender to discuss this, I was told that I could either withdraw from the deferral program or pay the higher interest rate. I explained that the employee promised me several times that my interest rate and borrower incentives would not change, and that I would not have agreed to the program if the rates increased. Nelnet refused to change my interest rate or add my incentives back onto the account unless I agreed to exit the forbearance program. 

Given that we are in the midst of a global pandemic, my family has faced several additional costs. I have already allocated the money that was to be paid to Nelnet to other sources. All I am asking Nelnet to do is to stick to their original promise. To do otherwise is deceptive, dishonest, and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech misappropriated moneys required to be sent to Suspense. Ditech claims that Suspense money could be transferred to unapplied funds and then put into Escrow and paid out. Detech, literally, NEVER disclosed this until the recent response to my first complaint. It is not legal. If there is a shortfall in escrow, I should be notified and given the option to increase payments in monthly installments. No mortgage company is permitted to simply " take '' thousands of dollars and pay what they want in order to " look better '' in the sale of my loan to loancare. I tried for OVER A YEAR to straightne this out. Ditech never responded. XXXX XXXX only responded in an XXXX letter.XXXX and DITECH lied to me over and over on the phone. Ditech : " We are still researching what became of that payment ... you should contact your new service provided, XXXX. No, we never reported any delinquency to XXXX. '' Then, XXXX, after lying since XX/XX/2019 and saying " we're still researching ''. Finally in XXXX, during a phone call ( so much wasted time ) they admitted the suplus money was taken a day after it was put into Surplus. The representative told me " that's Ditech '' ; you got ta call Ditech. These people are compulsive liars, professional bullies and TOLD ME THEY WERE ALLOWED TO DO THAT WHEN THE MORTGAGE, DITECH AND XXXX HAS A COMPLETELY DIFFERENT POLICY IN WRITING! See attached letter.Many of my credit cards have been downgraded and I, literally, can't get a personal loan based on XXXX report that I have been delinquent for over a year. Why are you allowing this to happen -- to just accept ay face value the lies they tell " we can send money to Suspense or Unassigned funds?! " Unassigned funds '' is NOT an account and has never been mentioned in the mortgage contract nor any communications with me by any loan company. I have paid every dime I was billed for. There is no legal authority for them to seize a partial payment from Suspense and drop it in escrow so they " look '' better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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