vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.

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 2017-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.

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 2017-10-08 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: GA

Complaint narrative:
XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 2017-10-08 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: GA

Complaint narrative:
XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 2017-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: OH

Complaint narrative:
I have received numerous calls over the last year from a company called Cedar Financial. They state I have a debt with XXXX XXXX Bank and I have no knowledge of this debt nor this bank. They have added a debt in the amount of {$12000.00} from this XXXX XXXX Bank on to my credit report without any poof! They need to stop contacting me and remove this debt as it is NOT valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

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 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX, I purchased a XXXX XXXX XXXX brand new. In XX/XX/XXXX the transmission had to be replaced. In XX/XX/XXXX the car had XXXX miles cost {$4000.00}. In XX/XX/XXXX the car again started having the same transmission XXXX MILES. 
I was told by XXXX XXXX XXXX XXXX that the transmission would have to be replaced again at a cost of {$3200.00}. The new transmission has only XXXX miles on it. I was told by XXXX XXXX XXXX XXXX XXXX told me that the warranty on the new transition was only for 12 months and if I want the car repaired I would have to pay the full price. 

After doing research the CVT transmission of the XXXX I have found that many consumers are complaining of the same issue. The car will not accelerate when you push on the gas This is a safety issue example if I were to pull out into a busy intersection I may be hit because the care fails to accelerate to the default in the transmission. 

I do not believe I should have to pay for another transmission that will fail again do to XXXX XXXX flawed design.

Has a class action lawsuit been filed against Nissan if so please add me to the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: NY

Complaint narrative:
I just received an update on my transunion credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 2017-10-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC
State: UT

Complaint narrative:
I sent Trinity Financial Services an offer letter dated XX/XX/XXXX, to try to settle and resolve an amount that has n't had payment since XX/XX/XXXX. Since then, I have had zero response on the offer. I have called in multiple times with no response. This is the second time I have had to file a complaint due to the negligence and unfair practice by this company. I have been told management will contact me and still to this day have had no resolution or response. I am given the run around and told I will be given a call over and over and they still have not communicated with me. I asked for a response within 15 days and it has been over 30. This company has kept me and the status of the HELOC in the dark with where they stand and are causing me financial harm. I believe their intentions are malicious and the have little to no interest in trying to come to a resolution with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

Thank you,
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 2017-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

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 2017-10-08 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: NY

Complaint narrative:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

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 2017-10-08 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: NY

Complaint narrative:
I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 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: NY

Complaint narrative:
I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.

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 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have written 2 letters to Experian ; 1 in XX/XX/XXXX & 1 in XX/XX/XXXX to have them remove numerous out dated accounts over 7yrs old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or 7 yrs in state of NY expired alleged debt are still on there.

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 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

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 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have written XXXX letters to XXXX ; XXXX in XXXX XXXX & XXXX in XXXX XXXX to have them remove numerous out dated accounts over XXXX old still being reported and/or on my credit report, many incorrectly reported status of accounts that are not in collections and/or XXXX yrs in state of NY expired alleged debt are still on there.

Company response to consumer: Closed with explanation