vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: PA

Complaint narrative:
I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX / XXXX / 2014   TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: NY

Complaint narrative:
I set up automatic payments with the servicing company twice, but when the quarterly payments were supposed to  be made, the company put my account past due instead of making the automatic payments. I made a complaint about this and received an acknowledgment email of my complaint on MondayXX/XX/XXXXThis email stated that I would receive a response within 48 hours. I did not receive a response until XXXX XXXX on FridayXX/XX/XXXX. I received an email that said they could not call me but I could call customer service. Their customer service line is already closed and it 's Friday night. Their response was not accurate. It said that I could not set up automatic payments when my account is overdue, but I tried to set up automatic payments with them twice when my account was not overdue and they are not taking the automatic payments. I requested that they call me and they have not. My account should not be overdue because I set up automatic payments, and this is the second time in a row that the company has done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I can not get my credit report from equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CA

Complaint narrative:
XX/XX/XXXX : Had received several " Pre-Approved Loan '' mailers from the Lending Club, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX indicating I ( & my wife separately, on separate mailers to her individually ) was pre-approved for a personal loan of up to {$35000.00}. The mailer was sent to me, specifically, with a specific " RVSP CODE '' and a " Respond By '' date inXX/XX/XXXX. We each have received 3 of these mailers in the past few weeks, with different RSVP CODES and later " Respond By '' dates. OnXX/XX/XXXXI submitted an application online to the Lending Club website " XXXX '' for a loan for the purpose of paying off existing credit card & other debt & consolidating into one loan. The site said I would be considered for any loan amount ( {$35000.00} or less ) for which I qualified.. My financial situation had not changed at all between the time of mailing the offer and my application online. Almost immediately I received a reply that " Unfortunately, we are unable to approve your application. '' Not an approval for a lesser amount than the {$35000.00} stated in their letter, but a total rejection of any loan at any amount! The stated reasons were standard " ratio of balance to limit on bank revolving or other rev accts ( sic ) too high '', etc. However, all of this information should have been available to the Lending Club at the time the " Pre-Approved Loan '' mailers were generated. I believe these mailers  represent a " deceptive lending practice '' or a data-fishing practice, whereby lenders induce citizens to provide their personal information, including income, and then deny the application with no obligation to the lender. I called Lending Club and spoke to a customer service person, who offered only a standard response that my credit situation might have changed after the mailer was sent out. As I stated to her, this was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: OR

Complaint narrative:
this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but  XXXX  and trans union and   XXXX   keep reporting it. please help.

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 2017-06-02 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: OR

Complaint narrative:
this credit line continues to show up on my credit report even though I have been told repeatedly that the line would be completely deleted I have a release of judgment and also document saying the credit line would be removed but   XXXX   and   XXXX   XXXX    and Experian keep reporting it. please help.

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 2017-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: VA

Complaint narrative:
Th e Allied Interstate, LLC, its e mployees, agents and servants are repeatedly calling me at home, cell phone and work place, and harass me for debt and or the individual I do not have any clue. In the past the individuals of  Allied Interstate, LLC  were repeatedly informed not to call me for a debt I do not have any connection. On or about    XXXX   XXXX   XXXX       Allied Interstate, LLC,  its employees, agents and servants called my work place, spoke my supervisor and  administrator  and threatened to take action for the same debt I do not have any connection.   I have requested to Federal Trade Commission and Consumer Financial Protection Bureau , ( Cfpb ) a nd requested to take action against,  Allied Interstate, LLC,  for this fraudulent debt, in violation  of 15U.S.C .  1692e ( 2 )  ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation  of 1692e ( 5 ),  and used a false representation or deceptive means to collect or attempt to collect a debt, in violation  of 1692e ( 10 ).     Allied Interstate, LLC a nd its alleged clients unknown to me were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs. Under Dodd-Frank Consumer Protection Act ( Dodd-Frank Act ) , Allied Interstate, LLC  and its clients are legally required to refrain from committing, UDAAP.    Allied Interstate,  LLCs UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace.    Allied Interstate, LLC under Dodd-Frank Act invo lved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act.  See Dodd-Frank   Act, 1002, 1031 & 1036 (  a ), codified at  12 U.S.C. 5481, 5531 & 5536  ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person or service provider in violating sectio n 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).

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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. XXXX, Transunion, and XXXX XXXX XXXX ( XXXX ) are all refusing to remove fraudulent information from my credit report after providing verification from XXXX that the tradelines were successfully removed from their report. Transunion and XXXX claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, XXXX, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all three entities. I have repeated multiple times and made it very clear that I have never paid XXXX and never will. XXXX is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves XXXX engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. XXXX is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several XXXX employees told me this action was to prevent the account from being charged off. The account should have been charged off XXXX XX/XX/2013 according to the original default date. Somehow XXXX managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also, Transunion is reporting that one of the 4 tradelines is closed/paid in full and the remaining 3 are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into Transunion, XXXX, and XXXX. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. 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 2017-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I can not get my credit report from 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 non-monetary relief
Consumer complaint received 2017-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient. They keep on calling me when i have stated i dont make enough to pay back my loans. Its very harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02 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: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-06-02 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: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
There is an account on my credit report listed as a COLLECTION account with this company. I do not know anything about this account and it is NOT my account. I have requested a copy of any and all contracts that they have possession of in order to dispute the documentation. This is IDENTITY THEFT and FRAUD. I have NO CONTRACT with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

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 2017-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: AZ

Complaint narrative:
Three  times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX    XXXX   ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

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 2017-06-03 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: GA

Complaint narrative:
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

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 2017-06-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been dealing with   XXXX   XXXX   XXXX   (   XXXX   XXXX   ) for over two years now but my ability to continue full time work is now questionable. My daughter obtained   XXXX   student loans in the total amount of {$42000.00} dollars, in which I was the co-signer, to attend the   XXXX   XXXX   XXXX   XXXX  . When her loans became due, the monthly payment was {$600.00} dollars. An amount that she was unable to afford! I as the co-signer, assumed the responsibility to repay the loans and have managed to pay half of the total amount.
In dealing with my  XXXX , I contacted the loan company " Navient '' to try and refinance the loans for the newer amount as to lower the monthly payment so my daughter could afford to make the payments. Navient was uncooperative and made excuses that the loans were in an amount that could not be lowered and were not adjustable even in regards to my medical condition!
They have also created false statements in regards to my bank not allowing payments online thus making my monthly payments late to collect late fee 's!!!!!!!
Navient is by far the worst company I have dealt with!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03 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: Credit Protection Association, L.P.
State: CA

Complaint narrative:
XXXX   XXXX  charged and sent me to collections over equiptment that was returned. The employee assured me my credit would be updated and after several attempts it still remains. I even paid the bill in effort to get this 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 explanation