vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX hasn't allowed me to get my Experian credit report online since 2015 -- that's FOUR YEARS that I've had to get my reports by XXXX mail for no reason other than their own sheer incompetence. The big three companies ( including Experian ) are required by law to maintain XXXX as a functional site. Currently it's a broken pile of garbage that pretends to work but never does. Experian needs to be fined for letting their site be broken for FOUR YEARS. I didn't even get to the ID verification questions this time -- I just entered my name, address, SSN, selected Experian, and then got the error message. What an obvious farce!

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 2019-07-18 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 submitted my re-certification for Income Based Repayment plan to FedLoan within the deadline window in XXXX. In XX/XX/XXXX I was direct debited for my standard repayment plan ( without adjustments for income based ) which was {$280.00} higher than it should have been with my income based plan XXXX a total of {$550.00} XXXX. I called to ask why this happened and was told it was because I submitted the documentation too late. I was nearing the deadline, but submitted all the paperwork prior to the deadline and was approved for a new amount and sent confirmation of this before the payment direct debited in XX/XX/XXXX. I was told to call my bank to deny the full amount of direct debit and get my money back. I did this, but then my non payment was marked delinquent. I was told it would take 45 days to resolve this through a payment override request at which time they would bill for for the correct amount XXXX {$270.00} XXXX and the extra {$280.00} would be cleared and not marked as a payment due. 

I waited the full 45 days and when I hadnt heard anything, I called. I had to re-explain my story to every person I talked to and kept being told it would be processed eventually. Finally, at the 90 day mark, I spoke with someone who told me it could be expedited. He did this and it was processed in another week. I was called and told to submit the payment of {$270.00} and an employment certification form for PSLF. I did both and not only were my payments for XXXX not counted towards the PSLF, but the {$280.00} did not get cleared from my account. Since I was marked as delinquent in XXXX, they keep applying every new payment to the oldest amount due, which is causing every payment Ive made since then to be marked as delinquent. I called and asked about this and was told they had to review the delinquency and that the override request I had submitted in XXXX was never intentioned to clear the {$280.00}. They could give me no timeline as to when this would be reviewed or resolved. It has now been 4 months of dealing with this. Every time I call, I speak to someone different and have to re-explain and they refuse to give me a caseworker to help resolve this situation. 

I also have a letter from XX/XX/XXXX asking me to re-certify my income based plan, which states that if I dont, the payment will increase in XX/XX/XXXX ( which doesnt make sense as to why my payment increased in XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
I purchased a puppy from XXXX XXXX XXXX and they helped me apply for a loan with this company called American First Finance/ XXXX XXXX XXXX XXXX for {$2400.00}. The retailer where I purchased the puppy from did not advise me out the buy out date and the loan company also did not advise me of the buy out date nor the interest rates via print or electronic disclosure. There was no information given to me in print or through electronic disclosure when I signed up for the loan. I attempted to resolve this issue with the loan company and see if they could work something out with me regarding the buy out option because I never received the information from either company they just began drafting the money from my account without disclosing this information. I tried to speak to a manager at the loan company but when I call the call center all they say is that a manager will reach out to me within 2 business days and I have yet to receive a call. I keep getting the run around from American First Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Upon taking out this loan, Title Max assured me that the interest rate would be 9.99 % to pay back the loan entirely. I was not informed that it would be more than that. I was not given anything to read just asked to sign electronically and XXXX stated she'd reached out to the regional director to get preferred pricing totaling 9.99 %. She spoke very fast and assured me that the overall interest would not exceed 9.99 %. I'd come into hardship after the government shutdown from XXXX of XXXX thru XXXX of XXXX and during that time became aware that none of my payments were applied to the principal and that the interest rate was more than 9.99 %. I'd paid thousands of dollars in interest. That was not what XXXX promised. It has caused further financial hardship to me that to date I've not been able to recover! 

I've worked out an arrangement plan with a manager in corporate resolutions to pay what I can until things get better and WITHOUT my vehicle being in jeopardy of repossession yet each time calling has not been a good experience. Their reps are intentionally refusing my payments. I'm being told they get incentive or monetary value for processing payments received. Low payments affect their incentive. This is not my issue. On XX/XX/XXXX, I made a payment with XXXX and XX/XX/XXXX made a payment with XXXX after XXXX ( a manager )  refused to make herself available to speak to or help me. Worse yet, both times my credit card number was taken, repeated back to me and after disconnecting, I later found out the payments weren't applied. Why'd they take my card number then? Was it safeguarded or shredded? This has to be a violation of my privacy if not. I was provided a confirmation last payment ( XXXX. This business practices are unethical. I'm getting calls repeatedly harassing me that I'd had to ask to be placed on a stop calling list. 

I've just gotten a call from someone telling me that my payments are being reversed because they aren't enough which was unprofessional. This is a scam! It was deceptive for TitleMax to tell me that the rate ( interest + principal ) is 9.99 % and then fail to disclose that it's really over 300 %. I feel that I've been taken advantage of severely. I would not have taken out this loan if indeed I'd known the truth. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Company ( ERC ) did not send me a " Notice of Debt '' before reporting this account onto my credit report. So, I disputed the debt with all 3 credit bureaus, in which they responded back to me and told me that ERC validated each time I disputed the account. So, I sent a validation request to ERC on XX/XX/19 ( see doc 1 ) which they ignored and didn't send me any documentation verifying that I am the correct consumer who they are trying to collect a debt from. Per FDCPA, ERC supposed to do the following and they did not : notify me of the alleged debt, cease reporting & collection until the debt has been verified, 5 days after initial communication send me a document showing the original creditor, the amount owed, and the address of the original creditor with the debt collector statements written on it. 
My rights as a consumer have been violated several times by ERC and I'm sick and tired of it. This collection account has cost me to lose funding for my home which I needed badly for me and my boys. This entire process has been tiresome and stressful. This is my last resort to get help with this account. My next steps are to file a lawsuit for the multiple violations that have been committed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I recieved a defective motherboard from XXXX, after trying to resolve this with the seller they want me to ship it back to XXXX at more cost to me, more than the original item is even worth. I tried to do a chargeback / dispute with my bank and they say that is not a reason for a charge back which makes no sense, I received an item that doesn't work and not wanting to lose more money I just want a refund of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-18 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: NY

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: NC

Complaint narrative:
Starting in XXXX, I began receiving numerous random phone calls from a similar area code as my phone with no messages. Finally on XX/XX/XXXX, I caught the call and encountered an aggressive conversation from Prince Parker & Associates, a debt collection firm, about an unpaid medical bill. Unaware of any outstanding debts I asked for additional information, hung up, and called the referenced physician 's office for additional information. At that point I discovered a previous treatment wasn't covered by insurance so there was an outstanding balance of {$590.00} which was immediately paid in full. Despite having email receipt of payment and confirmation from physician office, I continued to receive multiple daily, harassing, aggressive calls from Prince Parker & Associates for payment. I answered a couple calls and explained that I had XXXX balance, digital proof of payment and would like them to stop harassing me. Despite my insistence and XXXX balance, they continue to harass and ask for payment or threaten negative action. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I deposited a business check to the bank. It was for a job I applied for on XXXX. They had me buy money orders and then send them to other places. Apparently the check was fake because it bounced back and I had to pay the money back. The bank blocked my from my account. Now I cant access it even though I paid the money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I did not Authorize these accounts

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 2019-07-18 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: SC

Complaint narrative:
I did not Authorize these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: CORELOGIC INC
State: TN

Complaint narrative:
Noticed an inqiry from " credco '' on XXXX XXXX 2019 on my credit report by XXXX XXXX. 
No further information about Credco available.

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 2019-07-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent out numerous letters to XXXX and Experian to verify this debt and they are unable to provide a contract with my signature on it. 

I have requested 6 times to remove this unverified this information, but they are unable to provide this. I'm not sure what to do. 

This account has been opened in XX/XX/2014 and still reporting as faliure to pay, how is it a charge off account that keeps reporting as faliure to pay?

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 2019-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Center, LLC
State: CT

Complaint narrative:
Credit Center Inc. based in XXXX Connecticut has placed two {$250.00} claims on my credit report without contacting me to request payment. Both claims are on behalf of XXXX XXXX XXXX XXXX. I contacted both companies but have not received a response to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have repeatedly asked lvnv funding send me a debt validation letter proving I owe them money I told them I want to see a sign contract stating I owe any amount of money they have not provided one but yet they are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 18 unauthorize Hard inquiries on my Transunion, XXXX and Transunion that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XX/XX/2019 as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX , XXXX.XXXX . XXXX Also, Transunion and XXXX hasn't updated my credit report and refuses to add my XXXX XXXX Tradeline account. 

One last thing XXXX, Transunion and XXXX hasn't remove the Derogatory Remarks of late payments of 30-59-60-90 days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX acccount XXXX XXXX ... .I have provide evidence to XXXX and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!

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 2019-07-18 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have 18 unauthorize Hard inquiries on my XXXX, Equifax and XXXX that hasn't been deleted. 
I didn't give no authorization or Consent to no other financial institutions pull my credit. 
I only authorize XXXX XXXX XXXX of XXXX, Texas to pull my credit on XXXX XXXX as I am going through a VA Loan and home purchase in XXXX, Texas. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, XXXX and Equifax hasn't updated my credit report and refuses to add my XXXX XXXX XXXX account. 

XXXX last thing XXXX, XXXX and Equifax hasn't remove the Derogatory Remarks of late payments of XXXX days for XXXX and XX/XX/2019. Many Federal Government complaints was filed..XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .I have provide evidence to Prestige and Federal Government on no late payments. 

Derogatory Remarks on my credit report is restricting me in obtaining a VA Loan for a home purchase in XXXX, Texas. 
Credit scores are not accurate and updated. 
I am XXXX XXXX, XXXX and a XXXX XXXX XXXX XXXX XXXX. 

Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: AZ

Complaint narrative:
There are a few inquiries on my credit report besides the accounts that I have that I do not recognize. These inquiries appear to have between XX/XX/2019 and XX/XX/2019. I would like these inquiries removed from my credit report because I did not apply for credit from these companies during that period of time.

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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have repeatedly asked Midland funding LLC to provide me a validation letter proving that I owe them any amount of money they have not sent me a sign contract showing I agreed to pay them remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  is in violation of consumer protection laws.

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 2019-07-19 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against Wells Fargo Card Services for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, 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 2019-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Charged for a credit monitoring service I never signed up for by Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief