vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
We all know about the XXXX problem. It was recommended that all affected parties ( that 's me ), freeze their credit reports. When I did this with Experian they said Virginia Law requires a {$10.00} payment fee. That really XXXX. It 's not my fault that XXXX XXXX up. Why does Virginia Law require this fee?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX

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 2017-09-14 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax did not provide secure access to my credit and personal data thru latest reported breach, as well as fraudulently kept info from me as I have not been officially notified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
My complaint is regarding the Public Service Loan Forgiveness program. I submitted my Employment Certification at the end of XXXX. I have been working in public service since XXXX XXXX and have made 120 payments on my loan. 

I called on XXXX to check on the status of my application. I spoke to four different employees and received three different explanations. I was told that : My application was processed and declined because my loan is serviced through XXXX and not US department of education. However, I never chose to transfer my loan service to XXXX. He said that I could go to the website ( studentloan.gov ) and consolidate my loan into a loan serviced by the US department of education and immediately receive loan forgiveness. I had a question about the consolidation form online and was transferred to a lady who said : Now that I have applied for PSLF, I can now start making 120 monthly payments and will be eligible for PSLF in ten more years, but I should be able to pay off my loan in ten years, so there was no point in consolidating my loan.
I am unclear why my loan is not considered to be a US department of education loan and why my service was transferred to XXXX despite my interest in PSLF. I was then transferred back to a lady who said that she had no idea why I received the prior two bits of information, that my application was received but would take another 30 days to process. 
I feel as though I could call five more times and get five more  stories. 

After paying on my loan for more than 10 years, I still owe ~ {$3000.00} and am seeking assistance coming up with a resolution. If I ultimately do no qualify, I will understand, but I feel that I have been given the run around and every excuse why my loan should n't be forgiven and feel that I deserve due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
File bankruptcy XXXX payments was XXXX a month stayed their until maybe XXXX XXXX. All payments went to the mortgage company I did not get credit for my payments. 
XXXX XXXX GEORGIA XXXX XXXX / XXXX XXXX DIVISION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
this person work next to the car dealer. he ask me to cosign for a lease i agree to cosign. he bring the contract to my house and i sign as a cosigner. this contract was signed on my house, and wasnt sign in front of a notary public. i agree to be a cosigner. now 2 year later this person have 3 month  past due. when i called the financial institution i ask how can i get out of the lease because im just a cosigner. they told me i cant because im the OWER in the account and the other person is the co signer. i sign a paper that say im a cosigner, and they put me in the computer as owner. and also this contract is invalid because it wasnt signed at the dealer, nor infront of the financial manager of the dealer, nor in front of a lawyer or notary public.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I paid My Credit in full twice and they reported it to the credit company as paid in full. They then placed the account back on my account and double charging me for the count and I now have a high credit utilization for both of my accounts, mines and the one I paid off as a authorized user on my Husband account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
I tried to pay the loan off online on Monday, XX/XX/XXXX and the system would n't allow it as the total amount the system would allow me to pay online was {$1100.00}, but my loan balance was {$1200.00}. Called on XX/XX/XXXX at XXXX pm to pay off my balance to be told that they had already processed my 1st ACH payment on the loan ( which was n't due until XX/XX/XXXX ) for {$220.00} and they could n't give me a balance to pay due to the early ACH. I asked to speak to a supervisor, who told me the same thing. I will now be charged the {$220.00} on top of the nearly total balance as this payment goes almost totally to and fees. I was expressly told that I would be able to pay the loan off early, and in this case, I tried to pay the loan off before my 1st payment was supposed to be deducted. Completely unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: AK

Complaint narrative:
I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XX/XX/XXXX so its showing up 22 times on my credit report because I have more than one loan with XXXX. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XX/XX/XXXX. So if my account was bought current and back dated to XX/XX/XXXX then how can there be late payments posted for XXXX and XX/XX/XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at XXXX has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XX/XX/XXXX. 

I also spoke to an advisor at XXXX and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my 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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Having to do with the Equifax Data Breach -- Since the announcement of the breach, I have been receiving repeated and threatening aggressive solicitations for credit monitoring and protection services for a price varying from $ 10 monthly to $ 30 monthly from XXXX, XXXX, and others beginning now and continuing forever. 

While there is probably a need for this service due to the breach, why should every adult ( 143 million individuals ) in the United States be penalized between {$120.00} to {$360.00} per year because of Equifax 's negligence? 

I suggest that legislation be passed immediately or, failing that, a class action be filed by the US Attorney to at least cover these individual costs.
I have no relationship with Equifax, have not asked for their service, and see no reason why I or any other American be held accountable for their failing to protect data collected without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: CA

Complaint narrative:
On XX/XX/XXXX, I heard that Experian, a site that contains the personal information of hundreds of thousands Americans, was hacked. I heard this through word of mouth, rather than through Experian, or XXXX, or XXXX. I also have been told that this hack happened in XX/XX/XXXX, and that in the months since the hack the only people who apparently knew this were their investors, who have since been pulling out. In the meantime, non-investors, AKA the rest of the country, have gone unaware of this unless they happened to click on a link on XXXX? Just 3 days ago XXXX posts an article. What 's worse, now that it 's coming to light, 2 months after the fact, it 's near impossible to put my credit ( which is a made-up thing, btw. ) to be put on a freeze. I have tried calling all 3 as well as using their websites, and all of them either disconnect me, or tell me to request the credit freeze by snail mail. The only thing I could do to my account is set up a fraud alert. That is, I will get an e-mail when someone who bought my identity off the XXXX XXXX tries to buy a XXXX in my name. To sum it up, first my identity was at risk and I received no notice, then I found out about that risk from someone that is n't Experian/XXXX/XXXX, then when I tried to eliminate that risk i discovered that there is suddenly no way to do so.

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 2017-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS

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 2017-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
For the last week, I have been trying to place a security freeze on my credit report. I have been unable to do it on the Equifax website ( which does not load this option ) or via their customer service phone number ( where this option simply connects to a busy signal ). The only help number I have been able to reach at Equifax has operators who only offer to " walk me through '' the online process ( which simply does not work ) and refuse to do it over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I learned of the Equifax data breach. Not from them directly but from a news service I subscribe to. When I checked the website provided ( https : //www.equifaxsecurity2017.com/ ) I  learned that Equifax believed my data had been among the millions stolen. It was suggested I sign up for one year of free credit monitoring and would need to do so on XX/XX/XXXX. I was not going to be sent a reminder and if I missed my assigned date I would not qualify. After much research I decided my best course of action was to Freeze my credit on Equifax, XXXX, and XXXX. The best I was able to accomplish was 90-Day Fraud Alert with XXXX. I am furious that a company that took it upon itself to make a profit by collecting and maintaining credit data about me WITHOUT my approval was not able to protect that data.The phone numbers provided by Equifax ( and the online Freeze/Unfreeze form ) would take all my information and then inform me it was unable to process the Freeze. Then only provided by phone the mailing address I could submit my request to, read so fast that after 3 repeats I  gave up trying to write the information down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: WA

Complaint narrative:
Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.

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 2017-09-14 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: OR

Complaint narrative:
Trying to freeze my credit with TransUnion after XXXX hack. Have tried multiple times to reach TransUnion via phone and web over the last few days, but they say they are overwhelmed. I feel this is no excuse ... they are holding my credit hostage because they are understaffed. It was easy to freeze my credit on XXXX website. I imagine TransUnion is purposely trying to avoid having too many people freeze their credit reports. This is unreasonable.

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 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
I just received a phone call from XXXX XXXX XXXX in XXXX, Colorado. They are attempting to collect on a debt I do not owe and are also contacting me after I told them not to contact me because I have proof I do not owe the debt. 

They called me on XXXX/XXXX/XXXX at XXXX. The number they called from is XXXX. They asked to speak to me using a name I used in childhood that is not my legal name. When I asked what it was about, they said they were from XXXX XXXX XXXX, who I have filed a claim against before, and asked for my social security number. I told them I knew what it was about, I know I do n't owe the so-called debt and have proof and I was n't going to give them my social security number because I know my rights and I do n't have to. The person on the phone then pretended like he could n't hear me and hung up. 

I immediately called back and spoke to a XXXX. I told them this is the second time this happened, I know I do n't owe this debt, I do not want to get calls from them anymore, and it 's unacceptable that I was treated this way AGAIN by XXXX of their employees when I refused to give my social security number. I also informed them I would be filing a complaint, again, because this is unacceptable. They promised to remove me from their system and claimed they had no idea how I got re-activated in the first place. 

This is officially bordering harassment as meets the legal definition and I want them to stop attempting to collect on a debt that is not owed, stop trying to force my social security number out of me ( scammy! ), and stop contacting me all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
In XX/XX/XXXX, I contacted the 3 credit bureaus to dispute the XXXX XXXX item on my credit reports. The loan was in in the amount of {$270.00}, however I never applied or received a loan from XXXX XXXX. The information on my credit report incorrect. I contacted AD ASTRA RECOVERY SERVIC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX on XX/XX/XXXX to inform them that I never taken a loan out with XXXX XXXX and I need this item removed from my credit report but the have not resolved the issue or removed it from my credit report. The account # is XXXX the loan date : XX/XX/XXXX. I am requesting that your office investigate this issue on my behalf. Also, XXXX XXXX was not licensed in the Mississippi in XX/XX/XXXX, therefore any loans issued in my name on XX/XX/XXXX was illegal. I can be contacted via mail : XXXX XXXX XXXX, # XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: NJ

Complaint narrative:
I have been unable to process a request for a credit freeze with TransUnion through either their website or telephone number.

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 2017-09-14 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Today and yesterday can not contact Equifax to freeze account for their data breach. I have trained multiple times.

Company response to consumer: Closed with explanation