vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-21 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:
Hello, on  XXXX   XXXX ,    2017 I mailed a letter ( included  in attachments ) to Equifax via certified mailing receipt #  XXXX  ( included in attachments ) which they received via confirmation from the United States Postal Service website on   XX/XX/17 @  XXXX . Upon reviewing my credit file, I noticed there had been no action taken on my file in regards to my request, therefore I reached out to Equifax @ today and spoke with a representative. I initially contacted Equifax @  XXXX  and got the representative at  XXXX   XXXX . EST.   After speaking with the representative, and him stating that he did n't show that they had received a letter from me, according to him, he searched his system high and low, I asked to speak with their Consumer Affairs Department.     After being transferred b y one o f the representatives on  XX/XX/17    @  XXXX     XXXX   I  spoke with  XXXX   XXXX  refused to give a last name ) in the Consumer Affairs Department, stated he was a supervisor. I advised him I do n't see that they have initiated anything from my request on  X/XX/17    and received in their office on  X/XX/17    at  XXXX .   Per representative and  XXXX  they do n't show they have received my documents in their office. I spoke with  XXXX  and advised that at this point they have violated the FCRA in which they have failed to initiate my dispute within the 5 days required and they have failed to send results of dispute within 30 days, therefore I told him the y need to delete a ll accounts I listed on my letter. Per  XXXX  he could see that there were  XXXX  disputes on the  XXXX   XXXX   XXXX  account that were started but nothing was done with them. I asked him how this could be if they " stated '' they never received the letter. I asked if he could provide me the date this " fantom dispute was initiated '', however he was unable to provide that information, stating he could n't see the dates that this was done. He stated they would n't remove the accounts but I could forward him a copy of my letter and they could initate the dispute at this time. I advised him that this violates the FCRA and they would be subject to legal action. He refused to delete this information though they made an error. I advised him that the letter reached their office, what they did with it after it got to them was not my problem.   I have included my initial letter, my certified receipt and proof the letter was received in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
Fed Loan did not apply multiple payments sent by me via my bank 's auto pay function. Fed Loan then changed my payment without notifying me. I continued remitting correspondence as well as my payments, and could not understand why my payments were increasing. All correspondence I received was auto generated and never once addressed review of my account as I requested on multiple occasions. On  XXXX   XXXX  , 2017, I fin ally received a letter from Fe d Loan o utlining the payment increased and background information regarding the account. I was never notified over the course o f two y ears that they kept increasing my payment - if I was notified, I would have made the correct payment. This is extremely unfair as now my credit standing has been damaged through no fault of my own. In addition, I disputed multiple components of their letter and sent a response on  XXXX   XXXX  . 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was never late and is a duplicate 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 explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have numerous times tried to access my Transunion and  XXXX  reports to dispute incorrect information such as names and addresses I have never used, and fail to even be able to process because I can not get past questions, which I answer correctly. I have attempted to fix this many times and for years I 've always been denied access to my own report or online dispute options. I am the person who files they hold yet I 'm denied access.

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 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This issue is with Toyota financial services ( TFS ), their poor customer service, and their excessively harsh response to a single late payment.     I have had  two  loans with them that span a length of 7 years. In that period of time, I have paid off one loan and make timely payments on the second one. I never had a late payment. My payments have always been setup for automated monthly payments.     At the end of last year there was a change with my banking information which I updated online. I assumed it was setup properly as I never received a notice otherwise. Somehow the autopay did not process properly and my account became past due. But I was not given any notice of late payment. I did not know that I had a past due balance until I received a negative hit on my credit report and saw a substantial drop in m y credit score.      I immediately called  TFS  to pay for my past due and current due amounts. After waiting on hold for at lea st 20-30 m inutes, I spoke with customer service and requested to have the negative credit market removed. The agent was very rude and unhelpful. I was told that it could not be done over the phone. However, I could write a letter directly to TFS explaining the situation and the negative marker would be removed. I mailed out a letter shortly thereafter stating my concerns. I later received a return letter denying my request.     I called TFS customer service, was forced to wait on hold for a long time, and was again told to write another letter to request the negative removal. I did this and was again denied via mail.     It is extremely upsetting that a long term customer who never had a late payment was denied a courtesy adjustment. It is frustrating that there was no notice given regarding an error in my autopay account or that my account was past due. It is shocking how poor the customer service is whether phone or mail.     I have always had good credit. Having a negative credit marker has had a substantial impact on my credit and has seriously affected my ability to qualify for credit. It will be a long time before the negative credit market will no longer affect my credit. TFS response to my one and only late payment is excessive and completely unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan was successfully rehabbed and I have made  2  payments to the new owner of the loan,   XXXX   XXXX   XXXX  . As part of the rehab, I was told that the  XXXX  credit bureaus would be advised of my completion of the program, and the late or missed payments that took place during the rehab would be deleted from my credit report. Section  XXXX  states ( after loan rehab ), that the prior holder of the loan must : " request that any consumer reporting agency to which the default was reported remove the record of default from the borrower 's credit history '', and " the prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency, request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrowr 's credit history. To date, all  XXXX  credit bureaus still have negative information about my Navient account. It is aggravating that I have to follow up on this at all but I do n't feel that it should rest upon my shoulders to contact each bureau and dispute the status. Therefore, I am asking Navient to stand by the original terms of the rehab agreement and update all  XXXX  credit bureaus. I also respectfully ask that because the late payments before the rehab agreement corresponded with my diagnosis and treatment for  XXXX   XXXX   XXXX   XXXX , that those late payments also be deleted from my history. I understand it 's not required, but I am requesting that an exception be made given the circumstances. Than you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I did n't have a contract with  XXXX  ( original creditor ) on the date in question and my account keeps being deleted off of my credit reports and put back on under different creditor names.

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 2017-04-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
A credit card was fraudulently opened in my name w ith USAA. A USAA rep resentative stated this card would be closed due to fraud. The card is still open and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-04-20 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: MO

Complaint narrative:
I took out a private loan with  XXXX   XXXX  in  XXXX . It is now serviced by Navient. I am struggling to find a job and also a mother of  XXXX  kids with another on the way. I am having difficulty paying most all of my bills at the moment and my family and I have been homeless since  XXXX  of  XXXX . Navient calls me several times a week from various phone numbers. I have asked for leniency and also for some kind of income driven payment plan. All they offer me is for me to pay {$50.00} forbearance that will bring my account current but no other option s. Two days go t he representative threatened to garnish my bank account and paycheck and then asked me to ask my father to pay for my loan. He even mentioned my dad by first name. I am unable to pay this loan at the time and the only option I have is to default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: MA

Complaint narrative:
I am totally  XXXX . I have been totally  XXXX  since  XXXX . I have been receiving social security  XXXX  since  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I provided this information to MOHELA when I went on   XXXX   XXXX    XXXX . I was told that while there was no loan forgiveness for  XXXX  ( I WAS TOLD THERE WAS NO LOAN FORGIVENESS ) that I did qualify for payment adjustments based on income. I provided copies of my social security notification in  XXXX  and was mailed information about income based payments. I have occasional income, but it has never exceeded the amount set by social security. I sent a very comprehensive set of documents to MOHELA in  XXXX . Despite MOHELA knowing of the permanent  XXXX  and having the documents, no one has ever discussed anything other than forbearance. Each time since then that I have discussed adjusting my loans I am advised to fill out forms for forbearance. I have inquired if there are forms that my doctor can provide related to being permanently  XXXX  on at l east two occasion s and I have been told no, but advised of forbearance and sent these forms. Occasions have arisen when I was hospitalized and had hospital bills not covered by insurance. I have inquired about other ways to handle my loan and clarified that I was totally  XXXX , but each time I am instructed about forbearance and am sent forbearance forms. It was not until today that I received any information about forgiveness. It is my understanding that Social Security notified MOHELA of my status and they then sent me forms describing what I required to have the loan forgiven. It appears that I have qualified for this since  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Protection Association, L.P.
State: NY

Complaint narrative:
I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.

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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In regards to  XXXX , In addition to the CFPB grievance I had filed, I disputed my entire last payment on my credit card ( sometime in  XXXX   XXXX   ). I  had contacted  XXXX  in regards to Capital One potentially not following their side of the Consumer Agreement ( or similar agreement governing my relationship to Capital One and/or use of the Capital One card that I had been assigned ). After much deliberation,  XXXX  determined that I was not required to submit payment to Capital One since Capita l One had viola ted certain terms in its Cardholder Agreement ( or similar document ). After a while, I had attempted to login to my Capital One account where I was informed that I had an outstanding balance of the amount that I had disputed, plus some fees ( sometime in  XXXX   XXXX   ). I had contacted Capital One through its online chat ; the chat operator informed me that I would need to contact Capital One directly over the phone to dis cuss the matter. After I contacted Capital One by phone, a representative informed me that I would need to speak to the fraud department for Capital One during normal business hours ( I had called after hours ). I had reached out t o Capital One 's Fraud Depar tment a few days later. The Fraud Department 's representative stated th at Capital One would i nvestigate the matter and then get back in touch with me, which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have requested that B ank of America remo ve PMI from my mortgage, in accordance with the federal homeowners protection act, which states that once the homeowner reaches 22 % equity the bank must remove PMI. I have reached that mark, but they refuse to remove PMI unless I pay to have an appraisal done. In reading  the U.S. code 4902 it just says  that once the consumer reaches the 22 % equity mark, based on the original price of the home, the PMI must be removed automatically by the bank. I have spoken to the bank, but they refuse until I spend the app rox. 400.00 for  the appraisal. I can find nowhere in the federal act that mentions anything about needing this before the PMI is removed.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
last week I checked my credit report and noticed that my TransUnion  FICO sco re was significantly lower than my other  XXXX  credit scores and as I scrolled through the accounts I saw no issues with any of my accounts but then I noticed the " Public Record '' section of my report was displaying a Bankruptcy and this is erroneous. I have never filed bankruptcy before and I also have never held any joint accounts with anyone before to have filed a joint bankruptcy. My concerns are that I am heavily reliant on my credit to get the best rates and such and this has surprised me and I had never realized until now that this was the reason why I was being denied certain credit cards and business loans. I do not know how or why this has shown up on my Transunion credit report but I demand it be removed immediately so that all  XXXX  of my credit reports match and say the same thing about my credibility. It is dissapointing that this can just appear on my report and even though I understand that errors may happen I am very frustrated that I have to take these steps to fight for something that should not be affecting me financially or legally.

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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I 'm not sure what category this applies to, but it goes like this. I cosigned for my daughter 's student loans that she obtained through  XXXX  over the past 4 years, and they have accumulated to more than {$40000.00}. She is still in college at this point. Last month I received a letter from  XXXX  stating that as of  XXXX   XXXX  the amount of the loans will be shown on my credit reports with my debts. This effectively hurts my debt/income ratio severely. The result is that as of  XXXX   XXXX , my credit score was  XXXX . As of  XXXX   XXXX  it is  XXXX . So from now until the student loan is paid off, every loan I get is going to be at a higher interest rate, which means more money in the pockets of the lenders. I do n't know which category a complaint about this would be filed, but it sure is not right!

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 2017-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This creditor has harassed me, provided false information and they repossessed my car the day I went in to make a payment and would not allow me to make the payment and get my car back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Please reference complaint  XXXX . This is additional documentation to support  XXXX  views that have been completed on the house.

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 2017-04-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On  X/XX/17    i was enticed to obtain a  XXXX   XXXX . Store credit card which turns out to be issued by Comenity Bank acct number  XXXX . At that time I charged {$24.00} on the card. I received a bill for charges I made on  X/XX/17    for {$24.00} during the last week of  XXXX . I mailed the payment on  X/XX/17   . They posted the payment on  X/X/17    with the due date of  X/X/17   . They then proceeded to charge me a late fee of an identical {$24.00} plus something called a  XXXX   XXXX  of {$2.00}. I called their customer service on  X/XX/17    which is one day after I received the  XXXX  statement and was told it is not a mistake.   It is a small amount of money but I ca n't help but believe after my conversation with customer service that this is a pattern with this company. First they sent out the statements so the consumer has little time to make the payment before late charges are assessed and then the late charges exceed the original amounts charged! How can that be right!     I believe many more have fallen pray to this tactic and I  XXXX  you can do something about it.

Company response to consumer: Closed with explanation