vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Aqua Finance, Inc.
State: CO

Complaint narrative:
We were offered a free in home water test and told we needed a filtrations system to clean our water. The systems were very expensive so the company offered financing. We were lied to about the products and what they would do. We were lied to about the warranty and it's transferability. We were told that we would get all our paperwork after the product was installed. Once the product was installed and financing went through we found out they lied to us about everything so we had the water tested again and found out the water from the filtration system is dirtier than the water from the mail line. We requested a refund. The company wants to charge us again for having the product picked up and will not refund the credit the finance company. It is so complicated that I can't even accurately restate it but they refuse to issue a whole refund even though we were clearly lied to to get the equipment and then knowing the equipment is not even working as promised. We spent over 5,400.00 on this system and have been lied to and miss led the whole way through every step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account was reported to be 30 days past due in XX/XX/XXXX. The payment was never made late. I called the company on XX/XX/XXXX to have the issue looked at. I was told by a woman named XXXX that they can not look at account activity that is more than 6 months old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2019, I sent out dispute letters to Equifax via certified mail regarding a medical collection account on my credit from XXXX. Original creditor was XXXX XXXX XXXX XXXX. I also sent out validation letters to XXXX via certified mail telling them to VALIDATE, NOT VERIFY MY ACCOUNT. XXXX  responded by sending my medical information in the mail that they obtained from XXXX XXXX XXXX XXXX. XXXX  sent me this information without a HIPAA release form, which is a HIPAA Violation, and they still did not send me anything with my signed signature on it proving that this debt is mine in the amount of {$840.00}. It is a violation for Equifax to report anything on a Consumer profile without that information. After my dispute was completed, Equifax did not send me anything in the mail with ANY of my updated credit information with ANY of my listed accounts on my profile like I requested. They only sent me a report of an account that was listed in my dispute form in error that I did not mean to dispute with Equifax that was sent on XX/XX/2019. That account was XXXX XXXX. I attached the document of the equifax response regarding my dispute. There was also a medical collection account named XXXX XXXX XXXX that was deleted from my equifax report and I did not receive that information on my updated credit report as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on XXXX, XX/XX/2019. We got pre-approved on XXXX, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on Thursday, XX/XX/2019. We got pre-approved on Friday, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX am and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.

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 2019-03-12 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: CA

Complaint narrative:
Unauthorized Inquiries.

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 2019-03-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have an account sitting on my credit report that is damaging my credit rating and causing me severe hardships and the inability to move forward in my personal and business endeavors. The debt is listed as {$350.00} I have contacted " Portfolio Recoveries Associates, LLC '' as well as the three ( 3 ) major credit bureaus -on four ( 4 ) separate occasions in the past 6 months requesting that they " validate this debt is mine ''. They have continued to send me letters stating that is has been verified but they refuse to provide any legitimate proof ( signed applications, anything bearing my signature ). They continue to send me a screenshot or statement as proof of debt. The last letter that they sent me was on XX/XX/XXXX which indicated that they purchased this debt from another company on XX/XX/XXXX as an electronic file indicating that I owe this debt and that they do not have any further information prior to the date that they encountered this account. 
This is beyond devastating at this time and I am hoping that you can help me look into this unfair and illegal practice that is causing me such a hardship and barrier in my life. I have perfect credit and payment history ( other that this un-validated blemish sitting on my credit reports ). I look forward to your response and I am ready to submit all of the proof that I have compiled over the past several months of disputing this account. 
Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

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 2019-03-12 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: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: FL

Complaint narrative:
XX/XX/XXXX I called Experian to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked Experian to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number 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 2019-03-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a complaint by United State postal certified mail ( Equifax complaint # XXXX ) and through your system XX/XX/2019 ( complaint # XXXX ). There is still and item on my report that is pending and its been over 40 days. You sent me a confirmation that you sent the request to Equifax on XX/XX/2019 and Equifax even responded that they received the request on XX/XX/XXXX. However one item is still on my report : The account that should be deleted is : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: AL

Complaint narrative:
I have a fixed interest rate term student loan. It was originally a federal student loan, which was refinanced with SOFI. I paid more than double my required monthly payment amount, thinking this would result in a " paid ahead '' status where my next payment due date would be advanced into the future. However, after logging into my account and calling customer service, I learned that SOFI does not ever advance payment due dates. They still want a full loan payment next month. I do not think this misleading practice was adequately disclosed, and it is used to lure people into refinancing their federal loans. Prior to refinancing, my federal loans offered this feature, and my loan was always paid ahead by several months, if not years.

SOFI reserves the right to " reamortize '' a loan which is paid ahead, so that the payment term stays the same, albeit with reduced monthly payment amounts, but refuses to give borrowers the benefit of a " paid ahead '' status. They justify this by claiming the reamortization is to avoid a balloon payment at the end of the note. However, if the loan is paid ahead, there is no way there could possibly be a balloon at the end of the term. It is mathematically impossible. This claim is made on their website at : https : //www.sofi.com/faq/ under " Will making a large payment or additional payments change my monthly due amount? '' Paid ahead status is useful for building a " cushion '' so that you can skip a monthly loan payment, and use your income for an unexpected expense. Without it, many borrowers will run into unexpected cash flow issues, which could easily be avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
FM XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, 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 non-monetary relief
Consumer complaint received 2019-03-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX Bill ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC.
State: CO

Complaint narrative:
Payday lender Check Into Cash was told the party they were trying to reach was unavailable. Their response was to call every 30 seconds for the next 5 minutes, each time being told not to call back, each time trying to yell over the request then ultimately ignoring it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: COMMERCE BANK
State: MO

Complaint narrative:
Unknown inquiry to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: FL

Complaint narrative:
XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX  to remove due to no knowledge of them ... 
XXXX XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX auto inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX  XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX  XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX   XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number 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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX I called XXXX to ask them to remove 11 inquiries I did not use or request, their customer service told me they will not help me. These are the inquiries I asked XXXX to remove due to no knowledge of them ... 
XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX XXXX   inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX XXXX XXXX inquiry date XX/XX/XXXX phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: AES/PHEAA
State: MI

Complaint narrative:
My issue with XXXX XXXX is with obtaining the qualifying payments that I have made as it relates to my PSLF  approval. I was approved for the PSLF program in XX/XX/XXXX and received aa welcome email from XXXX XXXX  advising me of the PSLF approval and that my loans would be transferred and serviced by XXXX XXXX. 

After 4 months of payments I noticed that on my statements and my online profile, there were no qualifying payments listed for me on my account. I sent an email on XX/XX/XXXX and received a reply advising that they would be updating the profile with the qualifying payments. 

On XX/XX/XXXX, I sent another request advising that the payments had not been posted and received a reply email advising that they would soon update the account to include the qualifying payments. 

On XX/XX/XXXX, I sent another email request to advise that no qualifying payments had been updated on my account. I had not received a reply to this email and have waited month after month for the account to be updated with no avail. 

This week I plan to forward my annual application so that my employment at a non-profit can be verified. Please advise on what my next steps should be and if I can receive some assistance in having the account updated to reflect the qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a TD 60 Plus Checking account. TD Bank was unable to get my mailing address correct no matter how many times I contacted them. My statement was ending up in unauthorized hands. On XX/XX/XXXX I closed my account due to address problem and unprofessional behavior at the branch. Unfortunately, I had a refund from a merchant due me in XX/XX/XXXX. TD Bank said they never received the credit to the closed acct. However the merchant sent me proof of said transaction. Finally a month later they admitted they had the money and sent me the funds with plenty drama. 

Now on XX/XX/XXXX, another merchant has informed me they have also credited my closed account. They have also sent me proof of this transaction. Again TD Bank is telling me they don't have the funds. ( This time the credit is a much larger amount ). 
While the merchant understands that the account has been closed for a long time, they told me it is federal law, that they MUST return it to the account the purchase was made through. I have tried to get TD Bank to cooperate. Please Advise me ... ..Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX   are reporting me as 30 to 60 days late on the XXXX XXXX account number XXXX and XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the three bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, 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