vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc
State: HI

Complaint narrative:
When XXXX XXXX tried to debt my acct on the wrong day causing an Insufficient Funds overdraft and then they tried again and another overdraft. I did not have funds available at the time they tried to withdrawn funds. With that amount in overdraft fees {$60.00} I called XXXX XXXX to try to make payment Arrangement and while I was trying to set up payment plan XXXX XXXX sold the debt to Ad Astra Recovery Service Inc. Ad Astra upon acquiring this debt from XXXX XXXX to which I had no Knowledge until I again was hit with Overdraft fees by my financial institute {$45.00}. I called Ad Astra and they informed me they Purchased this from XXXX XXXX and I was now indebt to them and I must pay the full amount or they will take legal action. With all the errors and overdrafts I can not even make a payment. These extra charges/fee has taken me from my fixed income budget and has put me a very serious financial situation. I can not make my Mortgage Payments any longer. I am XXXX and this has caused great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation
State: TX

Complaint narrative:
Every month I get my credit report. I discovered that my credit was pulled by a company called Performant. I did not authorize this company to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have several discrepancies on my credit report that I have reported to the credit bureau. The credit bureaus have my name as XXXX XXXX XXXX and is incorrect. I have a collections that I disputed for XXXX and they do not have it listed as disputed and nor was it removed from my report. XXXX XXXX XXXX and XXXX XXXX is the same account and I have disputed that with the bureau as duplicated and nothing was done.Also, the amount is incorrect. XXXX XXXX is reporting something that was paid in XXXX and showing as a XXXX balance. West Virginia Statute of Limitations on Debt Collection is  XXXX years. W. Va. Code 55-2-6 ( 1923 ). I have a collection XXXX XXXX for {$80.00} that is over XXXX years on my file that is incorrect. I have disputed the record and it was not taken off.

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 2017-08-31 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: NC

Complaint narrative:
Credit Bureaus for no reason dropped my credit score from XXXX to XXXX. No reason was given. On time payments shows excellent.Oldest credit history good.Credit used Excellent. Recent Inquiries average. Why has the credit bureaus trying to destroy me? 

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 2017-08-31 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: WA

Complaint narrative:
I had a Medical Bill on my Credit report that should have been paid by my insurance. I disputed it with all three credit bureaus and XXXX and XXXX took care of it right away through a free service. Experian forced me to pay for their service to get access to the info and then after a long period of dispute refused to remove it from my credit. This is frightening to know that I can be held hostage by a company like this. Side note Experian offers a 1 week free service and conveniently waited till the day after I had to pay to give me my results. End of the day I need to get this of my credit as my bank uses Experian.

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 2017-08-31 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: CA

Complaint narrative:
I recently learned that my credit information was shared on several dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX with XXXX XXXX. I did not request service with XXXX XXXX, nor did I give them the right to initiate a credit inquiry on my behalf. These inquiries are negatively impacting my credit score. 

I called Equifax on XXXX/XXXX/XXXX at XXXX to learn more about these inquiries. I was surprised that Equifax had shared my information without my authorization. After learning they had incorrectly listed my name on my account ( as XXXX XXXX XXXX as opposed to my correct name, XXXX XXXX XXXX XXXX, I grew concerned Equifax had sloppy security protocols and was concerned they were not doing due diligence in protecting my financial information. I asked Equifax to tell me what their requirements were for sharing information with creditors. They refused to tell me both XXXX XXXX what information they require, XXXX XXXX what specific information the asked of the erroneous creditor, XXXX XXXX, before sharing my credit report with said company. 

I was told repeatedly I needed to call XXXX and ask what information they had used to access my credit information. I politely explained, I wanted to understand Equifax 's policies in sharing my information with creditors. I specifically asked, " What information do you require of creditors in order to share my information with them? '' The first staff member I spoke to could not answer. I requested to speak with a XXXX, XXXX, who again to refused to answer my question. Finally I escalated my request to the Equifax 's XXXX of Consumer Affairs. I repeated my question to the managing XXXX, XXXX XXXX. I told her I wanted to know what information Equifax requires of creditors before sharing my personal credit information with them. 

XXXX XXXX refused to provide this information. She said she could only give me the phone number for XXXX XXXX. I told her XXXX XXXX could not answer my question about Equifax policies. She repeatedly refused to tell me the answer to my question. She refused to tell me the name of her supervisor, or let me speak with them. She then hung up on me. 

It is my understanding that, reporting information that one knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. It is concerning to me that Equifax is providing my personal credit information to strangers, without my consent or knowledge, and is unwilling to tell me how or why this has happened. Additionally, the lack of interest Equifax has demonstrated in investigating this error, shows the company takes no responsibility in protecting my information in the future from those who seek to take advantage of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
i submit my application for a loan modification last week in XXXX and sent all requested documents 2 weeks later in XXXX, but i got and email stating that the one document need to be resent in the XXXX XXXX, which i did the next day only to be told i need to resend it again which i did three times, so now as of XXXX/XXXX/XXXX they have everything that was request but when i call on the XXXX, they still have not obeyed the law according to the homeowner bill of rights and stop all foreclosure action against my property, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received the results of my dispute against a bankruptcy. It states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX .... Outcome : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details I confirmed with the court that they do not report information to credit reporting agencies. My records with 3rd party reporting agencies such as XXXX XXXX have been confirmed frozen. On XXXX XXXX the representative, XXXX confirmed that once a freeze has been placed, no information is released without my authorization. It is my belief that Experian is engaging in dishonest and deceptive practices by stating the obtained information when they have not. I feel as though that have not performed a throughout and valid investigation of my dispute.

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 2017-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Loan started at {$32000.00} prin.amt. The prin.amt.has gone up instead of going down. have been paying on it for about 12 years and have paid about {$23000.00}, So can you tell me what 's up with that? I can understand paying interest, but I ca n't understand why the principle amount does n't go down instead of up. Navient is taking advantage of this loan and I have no way to get out of it. They put this loan on interest payments only, ( without my request ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I reported unauthorized fraudulent activity on my debit card following a property/identity theft on XX/XX/XXXX which resulted in {$1600.00} of unauthorized charges and incorrect fees. My cell phone with the same number registered with Chase was also stolen. Upon reviewing my phone records, I saw 20+ calls to Chase Fraud Protection Hotline which were attempts to authorize transactions that were stopped due to suspicious activity on my account. I was issued a temporary credit while my claim was investigated. After investigating my claim, I was informed that the claim was denied due to PIN/chip use and because " I '' authorized the transactions over the phone, when in reality it was the thieves who fraudulently authorized it using my personal information obtained in the identity theft. At this point, I submitted a police report and phone records for further review. The claim was subsequently partially denied again for the transactions totaling {$260.00}. 

In violation of the EFTA, Chase advised me that the decision on this claim was irreversible and they would take no further action, despite the outstanding unauthorized debits to my account in the amount of {$260.00} ; {$210.00} more than the {$50.00} limited liability for unauthorized transactions through a debit card, provided by the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: OH

Complaint narrative:
Filed a investigation with trans-union inXX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.

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 2017-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TX

Complaint narrative:
I reviewed my credit report and noticed my credit was pulled by XXXX XXXX. I did not authorize this pull nor have I received any services from this company.

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 2017-08-31 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: Risecredit, LLC
State: TX

Complaint narrative:
I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I am the victim of two credit repair companies. I paid fees for repair and credit scores improvements. My credit was ruined. The company sent forged documents to creditors disputing numerous accounts without my knowledge. Positive accounts were removed causing my credit score to plummet. Disputes fraudulently mailed caused companies to freeze my accounts disabling me to correspond with the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: TX

Complaint narrative:
I reviewed my credit report and noticed my credit was pulled by XXXX. I never used this company for any services or applied for a loan with this company.

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 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services
State: MD

Complaint narrative:
My mother sent me a text message at XXXX XXXX on XXXXXX2017 giving me a company name and phone number saying they were asking for me. She told the person her cell phone number was not mine and the gentleman called my mother a XXXX. She sent me the company name and 2 phone numbers XXXX and XXXX. I called them immediately and spoke with XXXX, she informed me I had until XXXX XXXX that evening to pay it or they would file paperwork at the court and that I would have collection fees added to my balance. I asked for an email copy of my account which was sent to me. XXXX said that no phone call was made to mother that day. We went over my account contact numbers and removed my mother 's cell phone and my father 's home number while on the phone together. 

Today around XXXX XXXX called my work and stated to my co-worker XXXX she needed our fax number to send over garnishment paperwork. There was no mention of my work number while on the phone yesterday when I spoke with XXXX. I am not allowed to take personal phone calls at work on my cell or work number. I have never received any paperwork from this company before yesterday. 

They are rude and threatening. It should n't be allowed. I am willing to clear up my debt but I am not going to be harassed or lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MN

Complaint narrative:
I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: CA

Complaint narrative:
Trying to refinance or streamline present mortgage. Have low credit scores and several companies trying to " assist ''. XXXX XXXX from Global Equity Finance , Inc contacted us and said they can assist ... records I have begin on XX/XX/XXXX. Spoke with XXXX a week ago and said he just needed records of payments to XXXX which I sent. At that time he said loan was to close at the end of this month. I tried to call Monday, XX/XX/XXXX and the phone had a message that XXXX was out of the office. I tried to call XXXX and Global Equity today XX/XX/XXXXand both numbers were not working. 
Contacted the FTC who advised me to contact XXXX XXXX and put a 90 day fraud alert on the credit report and requested I put a monitor on the accounts which I did, hesitantly. 

Prior to sending payment record from XXXX I submitted all credit information via fax, email and telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of TransUnions inquiry issue. Inquires were removed then later re-added to me report without a 5 day notice as required by law. Additionally I 've tried contacting customer service about this and they continue to play stupid. I also let them know I was a victim of thTransUnion broke the law and they need to take the following inquires off my report permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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