vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC
State: MA

Complaint narrative:
This account XXXX was open on XX/XX/XXXX and is inaccurate because this account was open without my authorization, when I attended XXXX XXXX XXXX  XX/XX/XXXX-XX/XX/XXXX for the only loan the I was aware of was for the financial aid offer thru department of education. The financial aid staff fill out my application for my financial aid the whole process was done in a rush and everything was done e-sing thru the application on the computer. My understanding was the I was signing my financial aid application. I didnt know nothing about the XXXX XXXX XXXX loan offer thru First Associates, I found out about this account 6 months after my graduation. I send a letter on XX/XX/XXXX to first associate requesting the removal of this loan for the reason the I didnt authorize this loan. They replay on XX/XX/XXXX staying ( That understand I have requested debt forgiveness. they are not a branch of XXXX. There administrative authority is strictly limited to the terms of original contract terms. The unfortunately they can not make changes or otherwise modify contract terms, including but not limited to my request for debt forgiveness. ) This application was not fill out or sing by me and I can prove it, the copy of the contract they send to me the information is not accrued. This application was done in XX/XX/XXXX and in one part of the application said ( XXXX XXXX XXXX ) Im a us citizen sent XX/XX/XXXX this application was done fraudulently is unfair the I have to be paying for something I didnt authorize. Since I finish XXXX I have not been able to find a job, the job in this field require a XXXX XXXX or higher education. Now this account is on a collection status of {$6000.00} on my credit report. I am so disappointed I spent 2 year after a degree the is not good for nothing I have a debt the I 'm not able to pay. to be in a worse situation my landlord is asking me for the apartment the I 'm leaving inn at the moment and because of this debt I 'm not able to find a good place to live because of this school and this private loan my credit is not good. I 'm not going to be able to rent a good apartment or buy a house, get credit card, or improved my credit rating. This has ruined me more financially the I was before. Now I will be ending up in a shelter with my XXXX kid because this school mislead me with false information they assure me they will help me obtain more desirable jobs and higher income to better my live and my future and now i do n't have nothing only more problems them before

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: CT

Complaint narrative:
I have contacted Equifax several times about inquiries and a XXXX account that is on my credit that do n't belong to me. They will remove the account and then put the accounts back on my credit. Clearly with the breach that Equifax had these are most likely a result of this cause XXXX Account act number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian, XXXX and XXXX released pretty much all of their data due to horrible, out-domed, and just plain negligent database security practices. This affects almost every single adult American, including my husband for sure, and me almost definitely. They are not really sure when this hemorrhage of data occurred, and they certainly were n't quick about letting me know. I 'm not sreally sure what this means for me and my family, but I know it is n't good. 

I want them to be held responsible for the damage they have caused. I would like them to implement fraud prevention on ALL accounts forever. This should be the baseline level of security, not the step up. Our credit reports should not be something that are 'easy ' for a company to ask for and get. In fact, I 'd prefer to see this information available to banks ONLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: CO

Complaint narrative:
The Equifax hacking problem??? First, delay in notifying ANYONE of it having happened, exposes about 1/2 of US households to extreme vulnerability to all sorts of fraud ; second, insider management selling stock before public announcement of the hacking ; third, an attempt to make that same 1/2 of US households " trade away '' their right to sue Equifax. It 's totally shameful.
First : no one has ever asked me if I 'd like to " opt-out '' of the reporting system for all the 3 companies. Why? What governmental entity sanctioned their activities? I understand that they facilitate peoples ' access to borrowing, smoothing the way for banks and other financial entities, but just now we see the potential cost of such a system to individuals. The IRS, I would think is particularly concerned, given it is already burdened with fraudulent attempts to file on the part of garden-variety scamsters.
Secondly : should there not be a large penalty ( say, {$5000.00} or {$10000.00} fine/ instance ) levied on the party responsible for failing to protect consumer 's identities ... whether or not there is subsequent fraud or not? Some entity ... maybe you, maybe the FTC ought to have some serious level of control over their actions.
Thirdly : myself, at this point in my life, I can live quite nicely without extending myself credit, but this is not true of the typical American. I have frozen my accounts at all three companies and may leave them frozen indefinitely, but this is not viable for younger people just starting out ; they need mortgages, cars, etc. They 've not had it easy in the last 10 years or so. This is yet another kick in the teeth to them. In short, it would be advisable to re-think and, if necessary, re-legislate this entire system. You should be a major player in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have on several occasions requested my Annual Free Credit Report from TransUnion. The request was made twice in writing and twice on the telephone. In the last letter I received, dated XXXX/XXXX/XXXX, they stated Our records show that TransUnion has provided you with the file disclosure ( s ) you were eligible to receive free of charge within the past twelve-month period. I have not received a copy of my report in the last XXXX years. What I do received from TransUnion is a weekly email soliciting membership, which includes credit report information for a fee.

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 2017-09-12 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis refuses to send me copies of my full consumer disclosure. They are repeatedly sending inaccurate information to the credit bureaus but upon my request for the file, LexisNexis has three times refused to send me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XXXX NAVIENT Complaint To whom it may concern, NAVIENT Called me today. It seems that my conversation with them last Friday, XXXX XXXX, XXXX was not documented XXXX XXXX, I made my first-ever payment to the NAVIENT department online, I also set up a direct deposit account as well. This would ensure my payment would be met, on time, each month. 

Friday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, in full. We agreed this would be best. She than directed my phone call to an automated message stating the terms and conditions of forbearance on my student loans. After the recording finished, the womens voice returned and she asked me if I agree to the terms and conditions stated in the automated voice message, I said No Way. We both agreed that it would be best to not forbear my loans and that I can pay the full amount in XXXX. 

Today, Tuesday, XXXX XXXX, XXXX, at XXXX, I answered my phone to a different woman representing the NAVIENT department. The woman was calling to inform me that I had missed both XXXX and XXXX payments and that I was delinquent. I told her I would be able to pay the full amount on XXXX XXXX, and I also talked with another representative of NAVIENT last week. She then told me that her college must not have taken these notes and that therefore she is calling today. 

We both agreed that it would be best to not for bare my loans and that I can pay the full amount in XXXX, only this time, I told her I do not, in any way, agree to for bare my loans, She stated, If you do not forbear your loan it will look much worse than if you were to just for bare them until you can pay the full amount!. Again, I told her No and No again! She kept trying to get me to agree to the stupid forbearance. 
Finally, she ended the conversation with, Fine if youre not willing to forebear your loan than we will continue to call you every day until you pay in full, I said, Fine, and we were disconnected. 

I set up AUTO Pay in XXXX, after checking my account today, while on the phone with her, I was presented with a screen stating, my loans were not eligible for Auto Pay. 
As I write this, I am watching my account, and it has been pushed from In Grace to Past Due. 

This is not okay, I should not be past due, I should not be bullied into placing my loans in forbearance! 

Respectfully, xxxx

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was affected by the Equifax hack based on the information on their website. This has caused me to setup credit alerts and has caused me undue XXXX. I consider my personal information highly sensitive and valuable enough to require the highest security standards to protect it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX XXXX admissions department aggressively recruited me. This complaint is of coercive, deceptive XXXX recruiting pitches that target the prospective enrollees. XXXX lied to me about the costs & transferability of credits, about job placement rates & earnings after graduation. The XXXX XXXX recruiter told me that I would be earning XXXX to XXXX right out of college. That was not the case. In fact, the first job I got out of college paid under {$10.00} hr. I was told that the schools tuition was much less expensive than other colleges in Tennessee when at {$44000.00} ( the cost of a XXXX XXXX XXXX at XXXX Tennessee campus ) I could have received a XXXX degree at a local college. The cost was almost 3 times as much as a comparable XXXX XXXX program. XXXX offered dismal to no job placement assistance. I would call & call & no one would call me back. I received emails from XXXX XXXX for job offers, but not in my field of study. They offered absolutely nothing related to my degree. One job I applied to on my own using a local job service told me that XXXX XXXX was a joke. I learned more skills on the job than I did in college at XXXX. I lost valuable years attending XXXX when I could have been earning a degree from a better school. This experience has strained my family relationship because of the XXXX of me & my mom repaying this debt. The repayment amount is going to require that I live at home because I ca n't afford to repay this debt with the job I have. It has ruined my financial life, my credit, & most of all they stole my potential professional future which I will never get back. Every single night I think about my part of this loan not to mention my moms part of the loan & how it has affected us as a family & our finances. I have lost & am still losing sleep worrying about repayment & how different it could have been had their promises of great job offers an income been true. This has had a greater impact on me since finding out I have a XXXX on the way ; It is even a greater source of stress in my life. I would like to join the group of individuals requesting a student loan forgiveness from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MA

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: NY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: TX

Complaint narrative:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
The document included is to outline specific terms in the contract that XXXX XXXX XXXX has violated. This violation of the contracts deems the termination fee void. Therefore, the company does not have the right to seek to obtain the remaining fee of {$370.00} via the collections agency, Advantage Financial Services. A copy of the contract has been included for independent review as well. 

XXXX XXXX XXXX and I had a contract that lasted from XX/XX/XXXX to XX/XX/XXXX. I was an XXXX XXXX at one event, in which I personally purchased all the supplies for. Overall, I have received no monetary compensation, no advertising to assist me as an XXXX, and no confidential information that has personally benefited me as an XXXX. 

The collections agency received my dispute onXX/XX/XXXX. Allowing the 30 days for XXXX XXXX XXXX to reply to the dispute, I have been notified they deem the contract valid and will continue with the collection attempt. However, I disagree. Hopefully, ( as I have outlined ) both parties are at fault, and therefore, the contract is no longer valid. The collections agency has stated my only option is a lawyer. However, since I do not find the investigation adequate by Advantage Financial Services on my behalf, I am seeking an alternative solution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: CT

Complaint narrative:
EQUIFAX is reporting an account with XXXX XXXX as past due and as my account. Ive disputed this account with Equifax however equifax keeps stating this account is mine and I do n't have a mortgage with that company nor have I ever. Im assuming this is on my report from the security Breach that Equifax had. They need to remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On Tuesday, XXXX XXXX, XXXX, I attempted to put a freeze on my credit reports as urgently recommended by nearly everyone after the hacking of the XXXX. I was able to accomplish this easily in a few minutes online with XXXX and XXXX. 

TransUnion was a different story. An hour on their website was utterly useless. The process kept freezing up in the middle, and often it would not accept entries that met their criteria for those entries. I tried calling, filling out pages of confidential information repeatedly to have the line cut off as soon as I complete all the entered data. 

I can find not way to contact this company except that they say I can request a freeze by mail. But the site gives only an address to do that and no information what is required to do it or how long it will take. 

This is an urgent issue in light the hacking, and I am quit upset that a company for which I have no is allowed to hold my information without even permitting me to contact them for a freeze.

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