vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: PA

Complaint narrative:
I have no other portal is get information to Equifax ... But this one. 

I read on complaint XXXX Equifax reports they have not received any additional information from me. Since Equifax does not provide a portal to submit additional information, I have the attached some additional information. 

Equifax previously reported the unauthorized inquiry by XXXX was " masked ''. Attached document shows this is untrue! 

Equifax responded to my complaint with such a garage/nonsense response! 

I emailed Equifax ... Started a dialog. When they could not deflect me ... The responses stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.

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 2017-11-28 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: ACS Education Services
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This complaint is about credit reporting. I have contacted customer services at least 3 times and they would not take care of it. I am a single mom who works a full time job as well as a XXXX XXXX XXXX. It is already hard on me and not having the best credit is another thing that is holding me back on getting things for my daughter and just now finding out that I will have to get another car because the one I have is going out on me. Here are a list of things inquiries that I had no knowledge of ... .. 

XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-11-28 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: GA

Complaint narrative:
OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I petitioned the court to include my Student loan in  my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since 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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

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 2017-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I sent in documentation to this company to dispute The start it included a copy of a police report and the federal identity theft affidavit I sent this to the company in XXXX of this year XXXX of this year XXXX of this year. Each time they respond that they believe the data is mine and they wont remove it from my credit report and they still reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: NC

Complaint narrative:
Have been paying my Student Loan for the past 10 years ; XXXX XXXX was the Lender but they change to Navient and my Loan keeps going up instead of going down. I called them many times asking for how much interest I have to pay before payments go to principal and no one knows anything. Also I called today to ask why my monthly payments are going up without letting me know and they said that a 2 years payment arraingment have finished and I have to pay XXXX monthly. I said I ca n't pay that amount monthly and they offered me to pay XXXX monthly for a year and renuew payment plan every year to see if I still qualify for it and in 25 years will be forgiven my loan without counting this 10 years I '' ve been paying. This is too much, I need help! Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On Equifax report, it shows a name other then mine. A name i NEVER used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX. 

Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX. 

When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
To whom this may concern, On XXXX XXXX, 2017 I filed a dispute online through TransUnion online dispute center via XXXX XXXXXXXX XXXX website. The dispute is due to an account from XXXX XXXX XXXX in the amount of {$860.00} that is on my credit report that i did not authorize. They gave me a Estimated completion date of XXXX XXXX, 2017. However, it has been well over 30 days since my initial dispute. I am in the process of building credit and this account is damaging to my credit health. Furthermore, this is a violation of the Fair Credit Reporting Act.

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 2017-11-28 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: GREAT LAKES
State: CA

Complaint narrative:
On XXXX XXXX 2017, I received a phone call from XXXX XXXX XXXX XXXX stating that they had removed me from the Public Service Loan Forgiveness ( PSLF ) program without my permission after 5 years and 8 months of on-time payments. I filed a complaint with the Department of education whom just referred the matter to a Great Lakes representative. That representative said they had no records of me ever being in the PSLF and unless I provided proof, I was stuck. They said if I wanted to be placed in the PSLF it would restart the clock back to XXXX and I would have to pay for an additional 10 years. Shame on them! I re-contacted Dept. of Educ. and stated that no one has contacted me regarding this complaint. I have not spoken to anyone researching or investigating my complaint. They simply restated information received from Great Lakes as valid, which is far from the truth. The information stated by Great Lakes is not true and is fraudulent and is the basis of my complaint. I did not at anytime authorize or agree to be taken out of the PSLF program. I would never do that. Any information to the contrary is false. It is my opinion that Great Lakes is a dishonest, lying, crooked company, and their intention is not to help the consumer at all. Conversely they have done everything possible to drive me into default even though I have never missed a payment. They deceived me and told me I was not eligible for any other program, and that I could not have my loan serviced by anyone else, and I just had to cooperate and pay the new raised amount for the next 10 years. I have contacted Great Lakes multiple times with No success, No options provided, no sympathy, absolutely terrible customer service, rudeness, and straight up LIES! I will never do business with them again and I STRONGLY warn anyone else of the same. Especially Veterans and Federal Government workers, BEWARE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
On XXXX/XXXX/2017, I requested the name and contact information for the investor that owns my loan which is currently serviced by XXXX XXXX XXXX. To date, I have not received a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AES/PHEAA
State: TN

Complaint narrative:
Yes my middle initial is incorrect with XXXX, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with XXXX. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I 've recently pulled my credit report, because I 'm in the process of purchasing a home. When looking over my credit report, I noticed a debt that I have absolutely no knowledge of. This company is claiming that I owe them {$2600.00}. I have never heard of this company nor do I have a contract with this company. I DEMAND that this company properly validate this debt, bearing a signature stating that I agreed to owing this debt or a signed contract agreement. If this company ca n't provide the proper signed documents to validate this debt then I DEMAND that this debt be REMOVED from my credit reports.

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 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. 

I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. 

Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. 

We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. 

My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. 

Please help us. I can not afford an attorney. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: VA

Complaint narrative:
XXXX loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( XXXX XXXX XXXX and XXXX ) that no record of this account exists under my SSN. Tried to tell Equifax that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both equifax and XXXX, was placed on hold. No one ever returned to line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Me and my son went to do our oil change in the XXXX dealers, and we were invited to see the new cars without any process and we said that we only want to look and check the prices, and the manager give us the price but for us it was too high and that we were okay with the car that we bought from them and we dint give any personal and we dint gave permission to record our credit, we dint sign any documents either. Couple days later me and my son got a letter saying that where they said they declined the credit we ask by 3 difference companies ruin our good credit score. we never ask to refinance any car only to look at the cars, were we feel they stole from us running our credit without permission and take out our information from our previous car we buy from them. we went to talk with the manager and he told us he was gon na fix it by certain day, that day has past and nothing have been fix. We try to fix it our self by calling the 3 companies, but each time we call they send us directly to their website and in their website tell us to contact by phone and repeating the same process. that 's why we are making this complaint cause the XXXX or the 3 companies are not fixing until today. i hope I 'm being attend as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX reorganized in XXXX for financial reasons and my loan was not accessible to maintain online payments and an online request was made to payoff the loan for approximately {$3000.00} via the XXXX XXXX XXXX website. 7 years later, XXXX 's attorney XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX garnished my pay for more than the remaining balance due on the loan totaling {$4400.00} as of pay period endingXX/XX/XXXX. I filed an Exemption with the Court system on XX/XX/XXXX because I am a Single Mother of XXXX children, whose eldest is XXXX XXXX and my income is the only means of support for my children. If XXXX XXXX received a bailout, restructured, making my account inaccessible for payoff, how is it legal for them to gouge in access of the balance due several years later jeopardizing the welfare of my children and negatively impacting my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: FL

Complaint narrative:
I opened my XXXX saving account in XXXX 2017.They said if I deposit XXXX, I 'll get {$150.00} bonus. But I did n't. I called them, sent them messages. They replied me as below : ''Upon review of your XXXX XXXX account, I see that you have met all of the necessary requirements for the promotion offer of XXXX. Therefore, I have forwarded the information to the appropriate department for research and resolution. '' But today I got a letter saying I did n't meet all of the promotional criteria. That 's it. NO REASON! Just ''did n't meet all of the promotional criteria ''. 
They said the bonus will be credited by XXXX/XXXX/XXXX. But what weird is they failed to give me the statement of XXXX! It 's already XXXX/XXXX/XXXX, but I ca n't view my statement of XXXX! 

I love discover! They offer great deals and cashback for credit card holders. But it 's so frustrating this time! 

I 'll attach some screenshots as proof of my deposit and their response.

Company response to consumer: Closed with monetary relief