vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IN

Complaint narrative:
I have contacted XXXX multiple times and got different answers every time. Unfortunately, I did not keep record of all my phone calls. I have also sent some emails which were returned with a generic response to call in or in some cases, I never received a response at all. Regardless, I had my loans transferred to them around XX/XX/XXXX. My first payment directly to them came out in XX/XX/XXXX. I was told then that they could calculate my number of applied payments for PSLF as soon as they received the information. I still have a number of 0. I have been told multiple times they are waiting on information. They then said they had all the information and my documents were in line to be reviewed. Then I was told that the previous loan servicers didn't send them everything but it was being escalated to a supervisor and I should expect it to be resolved within a month or two. When that didn't happen I called back in again. They said they sent it to their supervisor again this time. The last person was not very helpful or nice. She said they had everything but it'd be awhile since I only started making payments in XX/XX/XXXX-XX/XX/XXXX year. She wouldn't tell me anything other than it'll be awhile. I keep being told one minute they had everything. Then they said they need more information and then again that they have everything. Over and Over it seems. It just never stops. I have been making payments directly to them for nearly a year now and still have nothing. I haven't turned in a new verification form because they won't load my old ones and I want to know when those are loaded. I have looked for places to report the issue to and can not find anywhere else related to the government to report this to. This program has turned into such a sad thing. I have read online many people who should be approved are also getting denied. I really wish the government would in step in and do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
In response to complaints filed, on the day only when my payment was due, PayPal responded. I answered that I was not satisfied and since tried numerous times to contact many at their National Headquarters, where, as routine, it appears, no one responded. I have also looked up other complaints and it does seem this company prefers not to have Contact, but will on a constant basis continually increase FEES. I also contacted the Federal Trade Commission who advised that I contact XXXX XXXX XXXX, of which I have, and again, no one responded back from there either. Many closed doors, not only to me, but as I have researched as a practice to customers by this company. Yesterday, XX/XX/2018 @ XXXX, I forwarded an email to cancel my account { XXXX XXXX XXXX XXXX } as I also tried to reach out for a hardship program due to the constant adding of FEES and my status as XXXX, again, no response. I also sent information to XXXX stating I advised to cancel my account with PayPal now and surely before next payment due date. I will continue to make monthly payments, but not at the high amounts with these FEES they demand. XXXX, XX/XX/2018 @ XXXX ( I 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 2018-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IN

Complaint narrative:
The loan application process and funding was done with ease. Shouldve known it was too good to be true. I usually pay my bills 1-2 months ahead. Lending Club is the ONLY creditor that refuses to accept early payments. They start sending bill notices 15-days early so after my second notice for my XX/XX/XXXX payment, I made a payment 1 day early on XX/XX/XXXX. These idiots applied the entire payment to principal curtailment then sent me a late notice for XX/XX/XXXX After I realized they misapplied my payment, I called but the rep and his manager refused to reverse and reapply it correctly. Manager XXXX ( No unique ID, just the only XXXX employed there ) said its not their fault I paid 1-day early and therefore they cant reverse the payment! This is unacceptable and the entire company should be investigated. If they did this to me, I can only imaging what theyre doing to other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Trans Union to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my Trans Union online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling Trans Union and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report.

I contacted Trans Union again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

XXXX is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from XXXX  : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )

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 2018-09-27 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: PA

Complaint narrative:
1-XXXX XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.

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 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I financed a XXXX XXXX XXXX through Exeter finance on XX/XX/XXXX and I have made 50 payments at this time. On XX/XX/XXXX I decided to trade in this vehicle, but when my credit report was ran this loan has not been reported to any of the three major credit buraus. I contacted Exeter on XX/XX/XXXX and spoke with two different people and no one could explain why or fix the issue. I contacted them again on Monday XX/XX/XXXX and spoke with a supervisor who told me someone by the name of XXXX XXXX from XXXX Texas sent them a letter in XXXX of XXXX asking them not to report my payments. I sent Exeter an email about their mistake and they continue to refuse to correct the issue. I called back on Tuesday XX/XX/XXXX and spoke with several people and they continue to refuse to fix their mistake. Now I am stuck with a vehicle that I no longer want. I feel like this company should be held responsible for their fraudulent actions and solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX University from XXXX and was wondering why my federal, private loans and parent plus loans werent forgiven? Considering all the false advertising the school admitted to making. Also considering the school settlement with the FTC to pay students back and forgive their loans for students who attended that school from XXXX. I did receive a small {$300.00} from the FTC settlement with XXXX but that is nothing to the $ XXXX in student loans I have attending that school. I currently cant even make enough to pay the loans back, even under the IDR plan my payment is {$0.00} for my federal loans. But yet how can I go on living knowing that my student loans are still growing in interest. I currently have a Borrowers Defense application getting processed but it isnt 100 % they will forgive my federal loans. But what about my private loans and parent plus loans? Would I still have to pay all of that considering the school false promises to me? I hardly make enough to support my XXXX kids and each month my loan payments for the private loans are about $ 200+ Currently. Struggling at months to even provide enough food and clothing for my kids! Please help me with the options that I have to deal with my private loans. I thought according to the FTC, XXXX was suppose to have already forgiven my loans because I attended that school exactly in the time frame of the school fraudulent advertisement, but I havent seen or heard anything from the school at all. Please help ... All of $ XXXX I have in student loan debt is from attending XXXX only and I have a XXXX XXXX that does nothing for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
So I am receiving a 2 letters from 2 different companies that I Owe a debt, that are now placed on my credit report TWICE. So I requested both companies to send me Verification with some type of signature which they BOTH failed to do. One company sent me a letter saying the debt was sold to them, the other one saying they are placing a judgment against me, garnishing wages from a place i am not even employed at,. Over all this is bringing my credit score down which is hindering my progress and financial stability. No proof of any debt WITH a signature was sent to me so I wouldnt even know who to pay or whos fraudulent. Im not admitting to the debt, Im seeing if any is valid, and if its not, then it should be deleted according The the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: MI

Complaint narrative:
Greetings I have initiated multiple disputes with TRANS UNION to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for TRANS UNION to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to TRANS UNION to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my Trans Union credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my TRANS UNION credit report. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 3 ) XXXX  - Date Filed : XX/XX/2018 4 ) XXXX XXXX - Date Filed : XX/XX/2018 5 ) XXXX XXXX - Date Filed : XX/XX/2018 6 ) XXXX XXXX - Date Filed : XX/XX/2018 7 ) XXXX XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter.

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2018-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XXXX XXXX ( XXXX ) has been contacting 3rd parties regarding an old debt with The Cash Store and stating that there is a civil case against me and that my attorney needs to contact them. They continued contacting 3rd parties even after they confirmed my contact information. They also do not identify themselves as a collection company and claim to be lawyers processing a " claim against your social security number ''. When asked they refuse to provide a mailing address for me to request debt validation or to send a C & D.

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 2018-09-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe that I am a victim of Identity theft. I have contacted the three credit bureaus ; and tried to dispute the unauthorized inquires. All I have been told by Equidfax is that " the inquires were factual information '' ; that I would need to contact the companies to have them send a letter to Equifax and advise the to delete them. I contacted all of the companies ; most states that " you don't have any accounts, and they could not delete the inquires ''. Even though I advised them that my identity was stole. I was able to get letters from " XXXX XXXX XXXX, and XXXX ''. They stated that they found no accounts for me ; and that they would send correspondence to Equifax to have the inquires removed. i also contacted Equifax ; and was advised that they will not delete the inquiry ; and I have to wait until it fails off ; although I faxed over the letters that the company sent me ; stating that the inquires were indeed fraud and unauthorized. May you please help me in having these fraudulent inquires deleted? I placed a fraud alert on my credit report ; and am trying to rebuild after this. XXXX, is listed FIVE different times on my report. I don't have an account with them ; nor have I personally applied for anything with them. XXXX XXXX, XXXX XXXX, are also not authorized ; I contacted XXXX, and they also stated that I have no account with them ; and that they did not see an inquiry ; but I explained that it's on my credit report. I was a victim of FRAUD. Someone stole my info ; as you see I have no accounts with any of those companies. Please help me in deleting these unauthorized fraudulent inquires from my report. I contacted XXXX   and Equifax ; and they helped me with out a problem. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
on XX/XX/XXXX I sent a debt validation letter to AD ASTRA Recovery Services asking for validation of this debt something with my HANDWRITTEN SIGNATURE they responded with a typed signature. This company has yet to provide me with proper validation of this debt nor do I have a legally binding contract with this company. Since I have yet to receive proper validation this needs to be removed from my credit report. I have tried to resolve this with this company to no avail. Under the FCRA 15 U.S.C 1681i, all UNVERIFIED & INVALIDATED accounts must be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: CA

Complaint narrative:
I had a nightmare happen to me years ago that I was not aware of until this year. Instead of giving you my sad story here are the nutz and bolts someone very close to me stole my identity and I didn't even know until he was in jail ... .then he died ... .my step dad I am going through crazy emotions and all I want is they must block these fraudulent accounts. I have tried 3 times in 90 days. XXXX & XXXX took them off immediately when I ask them what I am submitting incorrect all I get is " sorry we can't disclose that sir '' I thought they were suppose to help me? I nee to get this fraud off my report. the following are the fraud accounts XXXX/XXXX Agency XXXX XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: TX

Complaint narrative:
RUDE VOICEMAIL STATING I NEEDED TO CONTACT THEM IMMEDIATELY. LIMITED INFORMATION FOR DEBT. PRINCE PARKER AND ASSOCIATES EQUAL SCAMMERS. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XXXX of 2015 my father was ill and we were going to be late on our mortgage payment so we notified U.S. Bank that we had issues. They proceeded to tell us that they wanted to help and we were eligible to refinance our loan to get lower payment. We were excited to have the help. We were told NOT to pay any more payments as we were getting a loan mod that would help us. Several weeks later we received paperwork that we signed and had notarized and sent back. The 'New ' payment went UP and then we were told that we were delinquent on our mortgage, which really messed up my credit. Then we struggled for several years and caught up all payments, not all before the XXXX so I accrued late charges, which is fine, I deserved those. But as I am selling my house I am hit with a {$34000.00} charge that somewhere along my loan U.S.Bank filed for a claim with a company of XXXX for the sum of XXXX and now they are charging me for this loss that I had no idea about. I feel as I am the victim of Predatory lending and fraud. Please help me if possible.

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 2018-09-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Greetings I have initiated multiple disputes with EXPERIAN to remove unauthorized Inquiries they have failed to validated that I initiated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN to get this issue resolved in which they requested. I have also reached out to the creditors to validate these unauthorized inquiries belong to me in which I have not received a response. Please promptly Remove / Delete the following inquiries from my EXPERIAN credit report because they are affecting my ability to hold a job and get approved for a mortgage for my family. Below are the reporting Inquiries that should be Removed / Deleted from my EXPERIAN credit report.

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/2018 2 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2018-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
This company is using illegal collection practices. They claim I owe more than I do and attempted to repossess my vehicle after 22 days without a payment. They threaten to repossess if I do not pay whatever unreasonable amount they determine I owe. They refuse to provide me with detailed activity of my account and payoff amount. They claim that I will be sued or my property will be seized and even sent a man to my home with a large paper that resembled a legal document. They have added unauthorized interest, fees, and charges not listed in my contract. They call me repeatedly, almost daily, and cause undue stress on my family and I. They make it extremely difficult for me to pay on my account without paying additional fees or calling into the finance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation