vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-26 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: PA

Complaint narrative:
XXXX XXXX notified me of a hard inquiry reported by TransUnion ( this inquiry is NOT reported by XXXX ). This inquiry is reported as being issued from XXXX XXXX on XXXX XXXX, 2019 I bought a car from XXXX XXXX on that date. I paid cash, and DID NOT apply for credit. The dealership demanded my social security number, stating they were required by NSA regulations to run my name and SS # through the system to make sure I wasn't a XXXX (!!! ) They assured me it would not appear on my credit report. Now it HAS appeared, and as a HARD inquiry. 
I went to the TransUnion website to open a dispute, but it requires that I buy a subscription 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 2019-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANCORPORATION
State: MA

Complaint narrative:
Cadence Bank sends notifications of the customer account activities via unsecured and not encrypted email messages. The information in the messages includes payment transaction amounts and names of the payees and is made accessible by unauthorized third parties. 

When contacted by the customer about the issue, Cadence Bank responded that they do not consider transaction amounts and payee 's addresses sensitive information. 

Cadence bank rationale of not protecting transaction amounts and payee addresses as sensitive information, as expressed in the attached response from its customer service, was that it is the same information " as would be printed on a physical receipt at any merchant ''. 

While I understand that certain physical instruments used in processing payments by the banking systems contain payee 's name and transaction amount, I expect that such physical instruments are protected from being accessed by unauthorized third parties by being physically stored in secured locations or transported by mail carriers with appropriate level of security. It appears to me that Cadence Bank 's management does not understand the difference between storing and transporting sensitive customer data via physical instruments and unsecured and not encrypted email messages. 

Perhaps the Cadence Bank 's management is not aware that information that is transmitted by unsecured email messages is travelling through multiple internet cables and routers, it is being stored in unsecured and not encrypted form by many parties handling the data transmission, and as such is easily accessible by unauthorized third parties anywhere in the world. 

There are plenty information online describing why companies should not use unsecured email to transmit the type of information that consumers would like to keep private. For example, a quick internet search can point Cadence Bank management to the following article 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 2019-05-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reported to Experian, XXXX, and XXXX XXXX that there was a false name by the name of XXXX XXXX XXXX on my credit report, that my work history was incomplete & only contained 2 of my employers on it, and that someone is using my credit file. I reported also that there is also a quasi governmental official who is keeping my credit at a certain level for all three bureaus and take points away depending on their needs. I also am reporting that they are also keeping my credit at a certain level according to different ongoing factors that are being engineered and reported in real time such as my search for an apartment and other things I may need credit for, especially Experian. Experian also offers the Experian Boost service which I have attempted to use on several occasions and that they will not allow me to use the Experian Credit Boost feature even though I am paying for Experian services each month. I am also stating that these individuals are taking and giving points only my credit score according to some sort of racket and fraud, and they are being taken away for a person falsely and illegally linked to my credit file.

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 2019-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have never missed any payments on the following account XXXX XXXX XXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.

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 2019-05-26 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: LA

Complaint narrative:
I have never missed any payments on the following account XXXX XXXX XXXXXXXX XXXX - XXXX XXXX. Please investigate to ensure accurate reporting.

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 2019-05-26 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: Nicholas Financial Inc.
State: LA

Complaint narrative:
Account on my credit report shows closed, delinquent, and derogatory. However, loan balance shows {$0.00} ; Monthly payment shows {$0.00}. Account was opened XX/XX/XXXX and shows closed as of XX/XX/XXXX. No other information is showing for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Account from AD ASTRA RECOVERY SERVIC shows a balance of {$1500.00}, and and open date of XX/XX/2015. There is no additional information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: IL

Complaint narrative:
I been disputing the issue with only Equifax about a car loan I never own on my credit report for the last year. I ask for proof of signature from equifax and other information how are you verify the account is mine when I never own this car and why are you the only credit bureau showing this account. I have a XXXX XXXX and Im trying to buy a house but no will approve my loan due equifax wont do they home work and verify the situation. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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 — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank requested a hard Credit Inquiry without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: Nevada Credico, Inc.
State: LA

Complaint narrative:
Unknown 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 2019-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Follow up to last complain XXXX, XXXX, XXXX. 
This is a follow up to complains mention above. 
The same people that I complain about in my complains above. I was ready to get in my car when a gray sedan ( license plate XXXX or XXXX ) speed up and park beside me. It was a intimidation tactics because that was in between to 2 handicap parking and the car didnt had a permit. 
The intimidation tactics are getting me very afraid I know is midland collections. I am reaching to the police. 
The intimidation tactics are not going stop so I am filing a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 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:
On Sunday, XX/XX/2019 at around XXXX XXXX., I applied online for a XXXX XXXX XXXX   home loan. After completing the online application, I received an immediate phone call back from a very helpful XXXX XXXX XXXX online loan officer. The loan officer told me that I had a " Security Freeze '' on my " Equifax '' credit file and that he therefore could NOT access my " Equifax '' credit file so that I could get a " Prequalified '' letter from XXXX XXXX XXXX   in order to buy a condo for my primary residence. The loan officer then gave me " Equifax '' telephone number to call of XXXX to call to instruct them to " lift my Security Freeze. '' So I then immediately did so. I initially talked with a lady who identified herself to me over the phone as " XXXX '' with a thick/heavy foreign accent that made her so-called English unintelligible to understand. She then asked me several " security questions '' of which she said that I had " Passed. '' Then " XXXX '' asked me some more questions about my " credit card balances. '' I told " XXXX '' that I had NO " credit card balances. '' Because " XXXX '' did NOT like my answer she told me that I had NOW " Failed '' the interview and that she could NOT lift my " security freeze!!! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: IN

Complaint narrative:
I have provided a complete list of every lender I am aware of that has been involved with any of these loans thus far. This information provided has been obtained from my complete credit report. 

EDFINANCIAL SERVICES L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of applying for the Public Service Federal Loan Forgiveness Program. To do so, I must submit information regarding payments of my loans I have made under the income-based repayment plan. I am on able to access the information regarding how many qualifying payments I have made under this payment plan on the student aid.gov website. This is due to errors on my account as reported in the NSLGS database. The information reported by my lenders to the NSLDS database is in accurate. 

As the NSLDS database is accessible only to lenders, I am unable to determine what account information has been inaccurately reported. As a result of my inability to access my own personal information in the NSLDS database, only my lenders can correct the errors. I, as the loan holder, I am unable to determine what information was incorrectly reported, when the incorrect information was reported, and who reported the incorrect information. Further, there is no way for me to correct this information myself without the participation of the lenders. 

I have made numerous attempts to correct this issue with my current loan order, Edfinancial. I have submitted numerous documents reflecting all of my accurate identifying information several times to no avail. I have spoken with several representatives from NSLDS and EdFinancial and they have not resolved the issue.

I am able to log in to the FSA website with my FSA ID and password but can not view my loan information. The website inaccurately reports that I have no federal loan history whatsoever. I am unable to log in to the studentaid.ed.gov website with my FSA ID and password. When I attempt to do so, I received an error message that says student can not be found. After speaking with a representative from an SLDS, I am told that this is because my identifying information is inconsistent and/or inaccurate as reported to the NSLDS database by my lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: LA

Complaint narrative:
I have no knowledge of the the following account XXXX XXXX / XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-05-26 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 Sunday, XX/XX/2019 at about XXXX XXXX., I had applied online for a XXXX XXXX XXXX  ( XXXX ) home loan. The male XXXX home loan officer then called me at home and told me that " Experian '' had a " Security Freeze '' on my " Experian '' credit file. The XXXX home loan officer then gave me the " Experian '' toll free number to call which was XXXX. And I immediately did. " Experian '' told me over the phone that I had to " Mail in 2 proofs of I.D . such as 2 current utility bills along with a note instructing Experian to permanently lift my security freeze. And to mail it to them at : Experian ; XXXX. XXXX XXXX ; XXXX, Texas ; 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 non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
The car dealership XXXX XXXX XXXX XXXX submitted fraud on my credit application to get me approved with Hyundai Motor Finance. The 2 page credit application they submitted to Hyundai Motor Finance was re done. The credit application that I signed showed XXXX month SSI. They reported a income of XXXX which was fraud. I dont get but XXXX a month. How did they show proof of this XXXX to Hyundai? We have contacted a attorney and will be filing a lawsuit against all parties involved that caused me hardship in the result of having a XXXX. I'm a XXXX injury individual that is a result of a XXXX injury in 1998 .I have been on SSI for almost 3 decades and all I get is XXXX but I have a over payment which my check is XXXX. I didn't go to the dealership looking for a car. I was there with my sister. She was looking for a car. She got denied with XXXX mo. Income. The salesman asked me if I need a car. I said I do but my credit is only a XXXX and I dont get but XXXX a month SSI he said you never know. He took a application on me. Sent me home to get a bank statement and proof of income and a bill. When I returned he said I was approved for a brand new car. My first words were how? He said relax you are approved. This contract is voidable and fraudulent. The dealership put me in predatory loan. Knowing I wouldn't be able to afford the vehicle causing me financial hardship. I went out and got a job to keep the car payments current and on my 3rd day of work I had a XXXX. Stressing about losing the car. I want Hyundai Motor Finance to thoroughly investigate and remove this fraudulent account from all 3 credit bureaus. What XXXX XXXX did to me was unlawful, unethical. I do plan on suing all parties involved. And final where is the proof of the XXXX that the dealership fraudulent reported. Someone at Hyundai Motor Finance in Funding could of possibly assisted the dealership with this fraudulent loan. Because you do have to show pay stubs, letter of award from SSA and bank statements. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: LA

Complaint narrative:
Collection Agency is trying to collect on a debt that has already been paid in full by Medicaid, the contract ended/was cancelled once it was paid, but yet the agency is still trying to collect a debt that I DO NO OWE THEM, I never entered into a contract with this agency, I haven't received any notification or documentation bearing my signature tying me to this debt, the agency never stated or sent any letters ( dunning ) stating I owe or they were going to put this on my credit report and give me a negative mark,!! I DEMAND THIS ACCOUNT BE DELETED IMMEDIATELY..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
No lates. Please remove late and update report accordingly. Thanks. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26 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: MI

Complaint narrative:
No lates. Please remove late and update report accordingly. Thanks. 

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 2019-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
Dear Sir or Madam : I have a huge problem with the XXXX. When I attended XXXX College in XXXX, NJ in XXXX I was only aware of a XXXX XXXX loan. That loan was paid in full in XXXX. However, shortly after I began hearing from the HESAA. They said that I owed them about the same amount of money. 

In XX/XX/XXXX, I received a notice that the HESAA loan was in default. I called the HESAA about it. The woman I spoke to was very unprofessional and curt with me claiming this loan to be mine. She promised me a copy of the promissory note and hung up on me before I could ask other questions. The same thing happened to me again with the same woman when I called a few days later. I never received that loan copy ; only more bills. 

Then in XXXX of XXXX I received notice of my loan debited out of my current salary unless I objected. I only work part-time and have been in and out of the Welfare system for the past three years. I sent in for arbitration and made a written request for my loan paperwork. It is that paperwork I received back that is making me so upset. 

Not only did I receive loan paperwork in my name for another loan provider on an outdated form with no loan amount on it and two paid off loans that were over 26 years old, but they had sent me a total of SIX other notes for three other completely different people. Each loan form had a different name, different addresses, different social security numbers, and different colleges. None of the loan documents, including my own, had the social security number blacked out. I am asking them for a least a year of XXXX XXXX service for this breach of confidential information. These people are obviously not me. I am wondering who they are sending my information to. 

I had complained to the arbitration board previously about the hang up calls and unprofessional service when I sent the letter requesting my paperwork. To my knowledge nothing was done about it. A financial hearing was started. 

Someone from the arbitration board did call, but they wanted my personal information which I refused to give. They had called me and not the other way around. The only information exchanged during that conversation was that there was new information about what they were claiming my loan to be and that I was upset about the breach of information of three other people. 

I am currently making a new complaint for the loan forms received as well and to request a different arbitration hearing. That paperwork has not been sent out yet. I am planning on sending it on Tuesday XX/XX/XXXX. The original complaint letters and the 8 promissory note copies for both myself and the three other people they sent me will be available for your review upon request. 

Thank you for your time and attention in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
Wrongfully charged early termination fee on a illegally leased property. I was not informed by the realty company but by a notice taped to my door, also the city inspector.

Company response to consumer: Closed with explanation