vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 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: FL

Complaint narrative:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: FL

Complaint narrative:
There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through rehabilitation in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in rehabilitation and determined to be XXXX XXXX XXXX from being hit by a drunk driver, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under XXXX 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX  Refuses to remove it. They hang up on me every time I try to talk to them about this.

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made XXXX payments to my account XXXX payment on XXXX/XXXX/XXXX for {$530.00} it posted to my available balance. I made another payment $ XXXX/XXXX/XXXX {$500.00}. The credit card hold removed the previous payment from my available balance the {$530.00} and hold the new payment of {$500.00} from my available balance. I have a total of {$1000.00} missing that has not been applied to my credit 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 2017-09-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: AES/PHEAA
State: PA

Complaint narrative:
I 've been in repayment of my loans since XX/XX/XXXX with Fedloan. In XX/XX/XXXX of this year ( XX/XX/XXXX ) I enrolled in a XXXX degree and applied for loans. Once my new loans were instated, fedloan, automatically deferred my previous loans. I called them immediately on XX/XX/XXXX when I realized this had been done and I requested it be reversed as I want to continue paying my loans. They told me I have to sign a waiver and I requested they send it to me right away. Today is XX/XX/XXXX, I still have not received the waiver, despite 5 more conversations with Fedloan. I am told that once I do receive and submit it to them it will take another 7-10 days to reinstate it. In the meantime I am accruing interest at the full rate instead of the rate discounted .25 % for having automatic debit through them. I never asked for my loans to be deffered and they are being extremely unhelpful in allowing me to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: NY

Complaint narrative:
XXXX XXXX, XXXX To : XXXX XXXX XXXX XXXX, Account number : XXXX Ive been approved for two payment extensions for my XXXX XXXX XXXX beginning XXXX XXXX. Since then I have signed the agreement and mail it out to the address on the agreement XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted XXXX about the status of the extension since I didnt see it reflected on my XXXX account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XXXX/XXXX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XXXX XXXX the negative marks from XXXX on are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX, XXXX, the promotional balance is at {$1500.00} and is not due until XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I have made a purchase of {$1200.00} ( see attached ) and selected the 24-month financing, at that time the balance was at {$2700.00}, calculated from the available credit of {$230.00}. On XXXX XXXX, XXXX, I have made about 5 more purchases on Best Buy with the total of {$960.00}, I was getting some denial message at that time, upon checking with customer service that was due to insufficient credit line. I have immediately made a payment of {$100.00}, as well as on XXXX XXXX, XXXX, a payment of {$1000.00} to make sure those five transactions can go through.On XXXX XXXX, XXXX, the account balance was at {$2900.00} with the available credit of {$63.00}. On XXXX XXXX, XXXX, I have made a purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX. - Now it shows I have a balance of {$3000.00} but the promotional balance is at {$1600.00}, meaning I will need to pay {$1300.00} in the upcoming statement to avoid interest, but in my calculation, that : - If {$2700.00} is not due until XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, made some purchases on XXXX/XXXX/XXXX for {$960.00}, and paid off {$1100.00}, the promotion balance should still be at {$2600.00}, meaning I should only need to pay the purchase of {$13.00}, as well as two transactions of {$160.00} on XXXX XXXX, XXXX, and {$66.00} on XXXX XXXX, XXXX, for total of {$240.00}.

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 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Innovate Managed Holdings, LLC
State: KY

Complaint narrative:
This account was paid in full by my insurance company! The car was a total loss at time of wreck! There should not be a charge off for this account! There was insurance and gap insurance on this account and was paid in full by them! I want the charge offf removed and made paid in full my credit should be fixed due this was paid in full in XXXX of 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : TransUnion, XXXX, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?

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 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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:
First off, I worked very hard to bring my student loans back to a good standing by following through with a repayment plan that got me out of default. I started this plan with XXXX inXX/XX/XXXX and made all of my payments on time. Apparently sometime in XXXX or XXXX XXXX my account was sent to Navient. I was first told by Navient that my payment would continue to be {$17.00} a month which XXXX had previously determined based on my ability to repay with my current income. I was ok with this and agreed to pay the {$17.00}. Fast forward a couple of months to the end of XXXX and Beginning of XX/XX/XXXX I received harassing phone calls and emails from Navient letting me know my payment was past due with a balance over {$500.00}. Shocked, I had no idea why this was so I tried to contact Navient. I was told that I was sent notification that I needed to submit my replacement plan paperwork to figure out what my income based plan would be. I never received that paperwork nor did I ever receive a letter of any kind from Navient. The only contacted me once and that was way back in XXXX XXXX and nothing was said to me about anything I needed to fill out. They gave me no warning when they jumped my payment from {$17.00} to over {$150.00}. I still do not know what my total is a month because I have never received any letter in the mail just threatening collection calls and a threatening email. I understand that Navient is currently in a lawsuit with the CFPB and let me tell you these people at Navient are crooks. I was never informed of my payment change nor was I ever informed that my repayment plan had to be resubmitted despite what they say. I never received any correspondence from Navient related to any reason why my payment would have skyrocketed. Navient are crooks and I will not stop until this issue is fixed nor will I make any payment because it is not a feasible payment. It is about {$130.00} too much a month for me to afford. I will choose food for my family before I pay any money to Navient. This company has and will continue to take advantage of the unfortunate until it is stopped and the CFPB is the only people looking out for the people 's rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After the recent XXXX breach, it was strongly recommended that I participate in their 1 year credit protection through a 3rd party. In addition, I wanted to freeze information at other agencies : XXXX  Experian, etc. I was rudely surprised to find out that I would have to pay a fee to have this done. 
I did not solicit any interactions with these companies ; I did not ask them to track all of my purchases, credit history, etc. Why do I have to pay to have them stop monitoring me? 
I do not want or need any of their services, yet I am supposed to pay to NOT do business with them? Extortion?

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 2017-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I began making payments for my school loans with Navient per my Income Based Repayment plan. I successfully paid off XXXX ( 2017 ) payments, after numerous attempts to contact Navient asking them to please postpone payments because I knew I would not be able to make that months payment. 

I made the decision to consolidate all of my loans. However, I never filed for a forbearance. What I did file for was a consolidation with an income-based repayment plan ( public service loan forgiveness ). Unfortunately, I have not received any documentation stating when the consolidation when through. According to what I see online today ( XX/XX/2017 ), I see all of my loans consolidated, but my next payment is {$990.00} versus the {$180.00}. 

The consolidation went through, but not the income-based repayment plan ( public service loan forgiveness ). I have tried to contact Navient on multiple occasions, however their hours of operation do not allow me to speak with someone since I am in Hawai'i and they are on the east coast. 

I am at wits end and unsure of what to do. I am submitting a fax to Navient, but most likely it will fall of blind eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
After applying online ( XXXX '17 ) and being approved for a new credit card with Chase, I called their customer service line. I explained that I already had one credit card with them, but have a large purchasing coming up and plan on putting that charge on the new card for which I was just approved. I was told the card would take 5-7 days to be shipped to my house, and the representative suggested they could do a lost card replacement and overnight it to me. This way I could use the new card the following day, and simply throw away the original that was being shipped in 5-7. 
Unfortunately I was given a replacement card for my existing account, so when it arrived I charged the purchased to the wrong account. I called to explain the mistake they had made, and was told there was nothing they could do about it. I asked for a balance transfer from my old account to the new one for the amount of the purchase and they said they can not do this. 
I feel taken advantage of as a consumer, and believe they are refusing to fix this error because the current card has an interest rate and the new card has a 0 % intro period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: WV

Complaint narrative:
I made a purchase to XXXX on XX/XX/XXXX for a T-Shirt with my Bluebird by American Express Card in the amount of XXXX, I did not receive the merchandise. I notified Bluebird about this and filed a dispute for the charges on XX/XX/XXXX. I was advised that if the dispute could not be resolved within 10 day that Bluebird would issue a credit. As of today 's date XX/XX/XXXX the credit still has not me issued. I made a call to them inquiring where my credit was and was advised that if the merchant refuses to issue a credit back to my card then they ca n't help me.

Company response to consumer: Closed with explanation