vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 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: ND

Complaint narrative:
I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Nelnet, Inc.
State: VT

Complaint narrative:
I am a borrower with subsidized and unsubsidized federal student loans. I use the platform Nelnet with the auto debit service they offer called XXXX. They make the auto debit service attractive by offering 0.25 % deduction interest if you sign up. Little do they tell you that they pay off the lower interest loans before the higher interest loans. So, in reality, it costs more for the borrower to use the auto debt service, and they put the interest of making money before their borrowers. This is very disappointing for a federal loan program. I would expect more from our government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have repeatedly, for years been solicited at my home address by CapitalOne to open a credit card account. Various names appear on the offers including my adult children who no longer live at my address or my nick name, or half of my surname ... it is endless. Multiple times I have contacted them and told them to cease from sending these solicitations.most recently I spoke to XXXX on X/XX/17 and again to XXXX on X/XX/17 informing them again never to send a solicitation to my address. I want these offers to cease immediately and forever before someone damages my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch
State: FL

Complaint narrative:
After reviewing my disclosures provided by my lender of choice XXXX XXXX, I decided to do my own research into choosing a title company and settlement agent to obtain the best offer and rates on services on a new construction home being built by a large National Builder. CalAtlantic Homes. After receiving quotes and offers from different companies I made my choice and provided that information to my lender. The title company that I chose did their due diligence and after reviewing the fine print of my contract noticed I had 10 days from the date of my contract to choose a settlement agent otherwise I had to use the builder 's chosen title company which as you would imagine is,  CalAtlantic Title. The attorney at the title company explained that I likely had no ability to change at this point as he has dealt with the builder before and they will always point to the contract and stand by what 's in it. I reached out to the original sales agent who I signed the contract with and explained my displeasure on not having a choice and that 10 days from contract on a new construction home is unreasonable given that the house will. It be built for months. I also explained that I had done research on read that I can not be forced directly or indirectly to choose any settlement agent. He spoke to " someone '' and advised that unfortunately it was in the contract and that 's what I had to use. This unfortunately creates an advantage to the builders title company to not only have virtually all the business since no one will likely read about the 10 day window but also will allow them to charge whatever fees they like and not have to be competitive as the consumer will have no choice on changing. Also in the contract the builder charges {$200.00} a day of the customer can not close on time yet there is no penalty for the builder if they change a closing date as has already happened twice. I fear their contracts are extremely one sided and give the consumer little choice and power outside of what options to pick for granite and color schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX diversified consultants, sent a letter stating they would delete the following account from XXXX ( who I never had service with ) in the amount of {$650.00}. Well as of XX/XX/XXXX I receive an email from XXXX, stating a new account has been added to my file. The FCRA states I must receive written notice before something is placed on my file. This company deleted than readded this account to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
As early as XXXX, I am seeing negative medical collections items on my credit reports as follows : Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX ; XXXX XXXX XXXX Date of Service : XX/XX/XXXX AMT : XXXX Acct # : XXXX XXXX  XXXX-XXXX XXXX The dates above are for medical expenses that were billed to me. The original creditors have since sold the debt to a local debt collection agency, GLA Collections. The amounts disputed have never been verified with me, despite several letters to the 3 bureaus requesting the documentation bearing my signature contracting I owe this debt. Additionally, I have always had some sort of health coverage, whether it was under my father 's plan up through summer of XXXX, where my employer has now covered my insurance consistently through the present. Through corresponding with the credit bureaus and directly with the creditor, GLA Collections, the only documentation they can provide is the date of service along with the provider and amount billed to me on generic computer print out statements, without any description of the service to prove the validity of the charges. As of XX/XX/XXXX, I had also sent a letter to the Privacy Officer of  the hospital over these charges in regard to them violating HIPAA when selling my information to a collections agency without my consent or knowledge. Since that correspondence, I still have not received the written communication I requested to verify this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: NY

Complaint narrative:
XXXX XXXX has a accounts an my credit report on my Equifax that should not be there. Account number XXXX showing an opening date of XX/XX/2016 I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraud information removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: BB&T CORPORATION
State: AL

Complaint narrative:
I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.

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 2017-08-20 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: AL

Complaint narrative:
I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: AL

Complaint narrative:
I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

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 2017-08-20 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: AL

Complaint narrative:
I HAVE A PUBLIC RECORD ON MY REPORTING THAT SAYS I FILED CHAPTER XXXX BANKRUPTCY AND CHALLENGED IT AND IT CAME BACK VERIFIED. INFORMATION FOUND FROM THIRD PARTIES CAN ALSO BE INCORRECT AND I HAVE NOT FILED FOR BANKRUPTCY. IT IS PLENTY OF PEOPLE NAMES ASSOCIATED WITH THE SAME NAME AS ME AND THIS IS A MISTAKE ON THE CREDIT BUREAU PART AND NEED TO BE DELETED. I HAVE CALLED THE RECORDS CLERK LISTED ON MY CREDIT REPORT AND THEY SAID THEY HAVE NO KNOWLEDGE OF ME EVER COMING INTO THERE OFFICE AND THE INACCURATE INFORMATION NEEDED TO BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: ND

Complaint narrative:
I am a victim of identity theft. I have XXXX fraudulent and unauthorized hard inquiries that 's listed on my Experian and XXXX credit report and do n't belong to me. The following hard inquiries are fraudulent and unauthorized, and do n't belong to me : XXXX XXXX XXXX, XXXX  XX/XX/17, XXXX XXXX, XX/XX/2017, I have never applied for a credit card account with XXXX XXXX or 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 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I recently saw on my credit report that I owe XXXX XXXX XXXX XXXX {$1200.00} for medical bills. However I received a letter from Phoenix Financial Services LLC on XX/XX/XXXX saying I owe {$1200.00} to XXXX XXXX XXXX XXXX. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI

Complaint narrative:
HAVE BEEN GETTING PHONE CALLS FROM WELTMAN, WEINBERG & REIS FOR OVER 9 MONTHS over a credit cards that I paid of from XXXX. I live in Michigan were they are bar from. So they are using a local attorny to steal money from me, Her name if XXXX XXXX XXXX phone XXXX who has started calling me. I told her to stop and blocked her on my phone. What I owe XXXX is money that the tried to take from my bank! They also took money form my XXXX card and charged my credit card with the money that the stoled!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
In XXXX of this year USAA Bank corrected some of thier mistakes on my credit report however due to them reporting the repossessed car 90 days late 44 times per a current report my score continues to be affected. I am obtaining reports from several banks that have run my credit, overcharged interest, or denied a loan due to this mistake.. In light of recent events I am requesting that this mistake be corrected as well. I am also demanding that USAA refinance the truck loan that was taken in XXXX of this year at a very high interest rate due to thier mistake.. I am also demanding that USAA REFINANCE my home that has now been denied due to thier erroneous mistake following the dispute that was made by me last XXXX. As they responded in my earlier complaint they admitted to wrongly reporting information that the car was still unpaid. Until USAA corrects the reporting my score will continue to be grossly miscalculated. I have met with an attorney here in AZ and he did suggest this contact one more time to see if we can resolve this matter without legal action. I am tired of this problem that I did nothing to create. The refinance amount that I was approved for latest year before USAA falsely reported this account was XXXX. This was to be a cash out refinance to pay off student loans and complete the remodeling of our home. Since this is USAA 's mistake they should have to fix the problem this is the only way that I will accept closure of this issue. Failure to resolve this in a timely manor will result in further legal action and unnecessary court fees to USAA. THEY CLAIM TO TAKE CARE OF VETERANS AND THIER FAMILIES FOR LIFE YET THEY HAVE DONE NOTHING BUT XXXX UP MY CREDIT FOR THE LAST 2 AND A HALF YEARS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: LA

Complaint narrative:
I recently saw on my credit report that I owe Pendrick Capital Partners LLC {$1200.00} for medical bills. However I received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX saying I owe {$1200.00} to Pendick Capital Partners LLC. I did an investigation and found out that the original creditor is XXXX XXXX XXXX XXXX which is Located in XXXX XXXX, Louisiana. The letter also states that the date I use the facility was XX/XX/XXXX. I have n't been to that facility and I had a full coverage insurance because of my XXXX that 's from XXXX. Also to add I was receiving calls from one of those company and I did explain to them that I did n't owe any money to them and if I do they should send it to my insurance company but they wanted me to do a payment plan and pay out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
I made arrangements with the original creditor to make monthly payments. A few months in, the creditor 's payment website was n't working, and I ended up mailing a check. As a result, the payment was a little late, and the account was sent to a third party collector. I made arrangements for payments to the third party collector. During that call, I was advised not to make any more payments to the original creditor, as they would not count towards this debt. I made no more payments to the original creditor, however, a couple weeks later the original creditor drafted an electronic payment from my checking account. When I contacted them to see what happened, the original creditor told me they could not give me any information about that payment, but that I owed the debt to the collector, and the unexpected payment would not count towards the debt. I sent a debt validation request letter to both the original creditor and the third party collector, and requested a written response. I have not received a written response, only a voice mail message from the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation