vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
The company XXXX XXXX XXXX keeps charging my XXXX year old mothers bank account auto debit. They are not authorized and we have tried numerous attempts to get them to stop. PNC bank will only do a stop payment for six months. The company often changes its name and dollar amount charged and it goes through again as a monthly auto withdrawal. This has occurred multiple times after requesting a stop payment with PNC. PNC will not allow me to disable auto withdrawal. We would only like to use this account for deposits and writing checks. PNC will not help us. When contacting the XXXX XXXX company there is no live human only a recording that you must leave a message and they do not call you back. I have written to the email address they have provided as well as the XXXX XXXX XXXX to no avail. PNC has tried to find out where our payments are being send. They are routed to XXXX XXXX XXXX XXXX XXXX who then says they are routed to another vendor. It is very frustrating. There was never a written agreement by my mother or myself which is required by law stating that these charges are to be allowed on our mutual checking account. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: NY

Complaint narrative:
I have contacted Transunion on numerous occasions via telephonic and written correspondence concerning this serious error in their reporting. Each request to have this unverified account investigated has been unavailing. The company has not provided me with any detailed information concerning their investigations nor their methods. Nor can it be ascertained if the company has undergone or conducted any investigation of any kind. They are and continue to be negligently and willfully noncompliant.

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 2019-02-14 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: WA

Complaint narrative:
I filed a dispute with Equifax concerning a collections account placed on my credit file. The account was submitted to Equifax by XXXX XXXX XXXX with the original creditor being XXXX. XXXX reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. Equifax also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to Equifax giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When Equifax completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. Equifax only updated my credit file telling me that I needed to contact the collections company XXXX. When XXXX first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. XXXX only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed XXXX that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I've been getting calls from a " XXXX '' at the " Student Loan Support Department '' teasing with a previously unknown loan reduction program. The call is from XXXX XXXX XXXX, but the callback number is XXXX XXXX XXXX. It sounds fishy. My current servicer is Nelnet, but they're not mentioned in the voicemail anywhere. Just wanted to point out a potential scam. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I have been paying for over 20 years on two student loans that are now held by Nelnet as of XX/XX/XXXX. Today, I spoke on the phone with a Nelnet customer service representative and learned that I have been accruing capitalized interest at a rate of $ XXXX/month. This capitalized interest has been accruing without my knowledge and Nelnet has not notified me of the existence of this debt. 

When I asked the Nelnet rep how I was supposed to pay off this capitalized interest that I am not being billed for and which has now grown to be a debt of {$1400.00}, I was told to just add {$64.00} to my monthly payment of {$360.00} even though that does not appear anywhere on the monthly statement as a debt I owe. However, if I only pay $ XXXX/month, I will keep up with the monthly interest accumulating but never pay off the total debt, right? That seems like bad advice and disingenuous. How can I pay off a debt that I never get billed for and never get notified of its existence? 

I spoke with another Nelnet phone rep named XXXX back on XX/XX/XXXX, to inquire why the extra principle payment I sent in was not applied to my loan and instead was issued as a credit on the following months statement ( statement date : XX/XX/XXXX ). I was told that I accrued interest of {$110.00} during a previous forbearance in XX/XX/XXXX-XX/XX/XXXX that had not been paid off so extra payments could not be paid toward principle until that had been paid off. I asked how was I to know about this and how could I pay it off XXXX said she would investigate and I have still not heard back ; in the meantime, Nelnet is apparently charging me daily interest without billing me for it and without informing me of the debt. 

I made numerous payments toward extra principle in XX/XX/XXXX before Nelnet purchased my loan and they were applied per my instructions to pay down principle. When I paid extra to Nelnet, it was not applied to either the principle or the capitalized interest but instead was designated as a credit to the following month 's bill. I could have easily paid of {$110.00} if notified of the debt ; now that it has grown to a debt of {$1400.00} ( and  increasing by the day ), it is much more difficult to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: WA

Complaint narrative:
XXXX made contact with PHH @ XXXX to get information to request a partial release. 
this was sent to us XXXX Dear XXXX XXXX, Thank you for using our email service. I apologize for the delay. 
I have requested for the requirements for a partial release of land to be mailed to the borrower. Please allow 7-10 business days for delivery. 
XXXX borrower did not receive anything in the mail XXXX urgent request to PHH borrower has not received package also included borrower authorization. 

XXXX urgent request to PHH with borrower auth need requirements for partial release request. 
XXXX urgent request to PHH need update on status XXXX borrower did not receive a package only a letter of authorization to be completed. he sent that to us and we emailed to PHH XXXX called PHH finally someone told me they will not talk to me because they did not accept borrower signed authorization because his signature did not match. 
I have called a total of about 5 times. I have had borrower cause a few times and they will only give me daily authorization and borrower will have to call in every time I need to talk to them. 
this has delayed closing 3 months, and we still do not have the required list of items they need to request a partial reconveyance, and they still will not accept borrower authorization form they supplied for him to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?

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 2019-02-14 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: GA

Complaint narrative:
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: GA

Complaint narrative:
I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am selfemployed. I had a capital one card for 10 or 12 years. I started using it for my business and I paid it off every month. I had to call after a few years of use because I seen where they had a points thing and I had been missing out for years on thousands of points. That was a little aggravating. You would have thought that them knowing what I was using it for they would have recommended it. Anyways. I messed my credit up when I was young and had finally worked really hard to fix all that. I was getting increases as my business got bigger and bigger. That was awesome. In XXXX the called and asked if I would be interested in getting an insurance that was XXXX on every {$100.00} dollars at the end of the month. Sounds like a good idea so I got it. After a while I forgot I even had it. In XXXX I got into a bind and didnt get payed on a couple of jobs and I was left with over {$10000.00} dollars owed. I forgot I had been paying that insurance all those years and I couldnt make the payments. When I did remember bout it I contacted them and they said it had gone out just a few months after I got it and had only paid like {$9.00} dollars on it. I requested they send me a copy of every monthly statement for the entire time I had their card. 
Needless to say they where lying. I had paid hundreds of dollars over the years on that insurance. Even up until my last statement. It was XXXX XXXX dollars. I also found out when requesting my statements the had the wrong address for me on file. I always paid with my app and never knew it. Also I found out that over the years I had spent hounded of dollars on late fee peniltys cause as I said I paid with my phone and never looked at all that. I thought the payment was on the same day every month so for years every other month or so I was paying a late fee. And on top of that every so many years the fee would go up. In the end I was paying {$50.00} somethin dollars a month every other month or so. Now you would think that they would have seen that and said something but they didnt. 
They said the program ended coincidentally a few months before I got into that bind and they gave another so many months to file but like I said I wasnt paying it by then and I defiantly wasnt getting their mail outs on that kinda stuff. End the end they would not let me file one the very thing I had been paying for all those years when I really needed it. Now when I really need good credit cause of a wife and XXXX children and XXXX more on the way I have bad credit. If yall could help that would be awesome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ERC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX about a debt on my credit report. I didn't think the debt was accurate or even mine but I needed the collection removed from my credit report. During the conversation I was told if I just paid it they would delete it from my credit report in 45 days. I was told this multiple times. I decided to pay the debt for this reason. I have since called XXXX XXXX multiple times and now I am told that they will not remove the paid collection from my credit report. I feel like I have been lied to so many times by this company to have me pay a debt. The last time I spoke with this company was XX/XX/XXXX. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I filed a dispute with XXXX  concerning a collections account placed on my credit file. The account was submitted to XXXX  by Waypoint Resource Group with the original creditor being XXXX. WRG reported the account with the incorrect ( First Date of Delinquency Date ), which they reported was XX/XX/XXXX. The correct date should be XX/XX/XXXX. XXXX also reported that the account is schedule to be removed from my credit file on XX/XX/XXXX, which is incorrect. The correct date the account should be removed in XX/XX/XXXX. I submitted a credit dispute to XXXX giving them documentation that shows the last payment on this account was XX/XX/XXXX. Based on the Fair Credit Reporting Act ( FCRA ), the XX/XX/XXXX is completely accurate when determining the ( First Date of Delinquency Date ) and subsequently sets up the date that the account is to be removed from my credit file. When XXXX completed their review, they did not update date my credit file to establish that the First Date of Delinquency Date should be XX/XX/XXXX and the date the account should be removed from my credit file should be XX/XX/XXXX. XXXX only updated my credit file telling me that I needed to contact the collections company WRG. When WRG first reported this collections account on my credit file, I submitted to them a debt validation request, and they never responded. WRG only contacted me via phone at work and harassed me telling me I had no authority to question the debt as it was validated by XXXX. I informed WRG that I did not want to have another harassing phone call and that they should only contact me via US Postal Mail. Based on the documentation I provided, this collections account will have aged on my credit file for 9-years, two years more than authorized by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
i am dealing with identity theft. I called Capitol One XX/XX/2018 to close account that was fraudulently opened in XXXX. In order to get information about the person who commit the fraud like man/woman who talked to them seeing as how all lines are recorded for monitoring. They want me to send in a copy of my SS CARD, BC, AND Picture ID. When I asked why was someone able to open account without all this information XXXX ( capital one representative ) replied that you only need a SS # AND DOB. So, in order for me to retrieve information about when this account was opened, what the account number is, and what information was received they wouldn't allow it. I do not feel comfortable faxing over all this information seeing as how it was stolen in the first place. 

APPARENTLY MY ID # FOR THE FRAUD ACCOUNT IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
I XXXX XXXX have tried to settle a vehicle repossession matter with Ally Financial for weeks now. There simply is no reasonable process in doing this, as my calls are never returned. I made a big mistake co-signing for a XX/XX/XXXX XXXX XXXX in XX/XX/XXXX for my daughter. She was not responsible and eventually the vehicle was repossessed. Had I been given notice personally about the loan default, I would have brought the vehicle loan current. I believe the only way to remedy this matter is by filing a complaint with the Consumer Financial Protection Bureau. I respectfully requested a detailed outline as to how many times the repossessed vehicle was placed in auction, and I would appreciate a copy of the resale certificate that proves a shortfall of {$8800.00}. I am also in a financial position to make a one-time payment of {$2500.00} with Ally Financial to settle this matter permanently. I would appreciate a response to my request for documentation as well as the financial offer in compromise through the Consumer Financial Protection Bureau. I am doing my best to resolve a matter for my irresponsible daughter who has fallen on hard financial situations.

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 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
The debt with the company XXXX XXXX was paid in full on XX/XX/2017 however nobody filled this paperwork with the court. When you attempt to contact this company you get a recording stating to call back during working hours even though I have called during those hours. The other company involved in this case is Midland Credit Management. When I call this company I am told they are unable to talk to me because there is an attorney involved. When I ask for that information they are unable to provide it to me. I have paperwork showing I have paid my debt in full but nobody will submit that paperwork to the court and remove the lien. It has been removed from my credit but still shows up in the court system as an active case. This is now preventing me from getting a home equity loan that I am more than qualified to receive. 

I am not sure what else I can do at this point as the company has my money but will not file the proper paperwork.

Company response to consumer: Closed with explanation