vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ECMC GROUP, INC.
State: KY

Complaint narrative:
I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.

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 2017-07-26 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP 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 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
My personal check was refused at XXXX XXXX even though my banker assured me that there would be no problem writing a check from the next pack of checks than the ones that were my stolen wallet. A company called Certegy Check Services contracted by XXXX XXXX. I called the number on the refused receipt for an explanation but was given around when I asked how they knew anything about my banking situation. My drivers license number showed no information on their files. I became tired of the run around and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: CA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2017-07-26 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: AL

Complaint narrative:
I called all three credit bureaus, XXXX, Equifax, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them. Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX 12 XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXX-XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 5. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: NV

Complaint narrative:
This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.

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 2017-07-26 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: Nelnet, Inc.
State: GA

Complaint narrative:
I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: AL

Complaint narrative:
I contacted Equifax in XX/XX/XXXX/XXXX of 2017 and informed them that I was a victim of identity theft and there are some fraudulent accounts that are appearing on my credit report as a result of this. I contacted all the departments at these companies that are appearing on my credit report and they are unwilling to assist me in this process and tell me it does n't matter if it is identity theft, I am still responsible because they have identifying information. I have exhausted myself trying to get this information correct and they are just not heling. I recently filed a complaint with the FTC and have filed an identity theft report with the FTC. I have faxed over this information/copy of the report to Equifax and asked them to remove/delete the negative, false, derogatory information that is appearing on my credit report. According to the FCRA section 605 a & 605 b it is the responsibility the block/delete the inaccurate information I am claiming. here is a list of the accounts that I am disputing : I am writing this letter to request Equifax block the following creditors from reporting FALSE, DERGORATORY, INACCURATE information to the credit bureaus. According to the Rights Under the FCRA of Victims of Identity theft please BLOCK the following : 1 ) XXXX XXXX partial account number XXXX amount {$1200.00} 2 ) XXXX XXXX partial account number XXXX amount {$1300.00} 3 ) XXXX XXXX XXXX partial account number XXXX amount {$2000.00} 4 ) XXXX XXXX partial account number XXXX amount {$650.00} XXXX ) XXXX XXXX partial account number XXXX amount {$150.00} 6 ) XXXX XXXX XXXX partial account number XXXX amount {$850.00} STATEMENT OF CLAIM : I, XXXX XXXX XXXX, am a victim of identity theft and as a result a number of accounts have been opened in my name. I would like the creditors listed in this document blocked from reporting inaccurate, false, derogatory information to the credit bureaus immediately. According to the FCRA section 605 ( a ) ( b ) these accounts must be blocked/removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I Have tried numerous tries to have a request of increase line of credit. We pay on time every month never have been late. Most of the time pay more than the monthly payment but every time I request the CIL I always get the same response back stating we are no eligible because the monthly payment is not more than amount of the monthly payment. Well I was reviewing their XXXX page reviews on XX/XX/17 and came across one of another consumer thanking them for giving her a credit line increase she mention on her post she was at the limit of her balance and called Capital one for help which at the end they did increase her credit. ( her post on capital one was on XX/XX/17 at XXXX ) I understand her circumstance and glad they were able to help in the time of need. But does n't justify the way they have been treating us and who knows how many other people. I strongly think this is race discrimination, they are not being equal to all consumers. I hate to say it but that 's how we feel. This my second complaint on capital one with you all the first one was a bunch of XXXX response they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armor Systems Corporation
State: IL

Complaint narrative:
I have asked ( through XXXX ) for proof of the alleged debt and have never received any. Armor Systems Corp erroneously claims that I owe {$1000.00}. I never received any written notice whatsoever from Armor Systems Corp.

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 2017-07-26 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: NV

Complaint narrative:
This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.

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 2017-07-26 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: NV

Complaint narrative:
There was a tax lien on my credit report dated XX/XX/XXXX and I wrote each credit bureau after the 7 years to remove off my credit report because it was paid. Per my request it was done for all XXXX credit reporting bureaus ( XXXX, Equifax and XXXX ). In XX/XX/XXXX it reappeared back on my Equifax that was previously deleted in XX/XX/XXXX with a updated date of XX/XX/XXXX. As I read on the Fair Credit Reporting Act a paid Tax Lien should be removed completely after 7 years of original reporting date. How come this is being reported again and it was reported by XXXX XXXX not the Internal Revenue Service Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
I forwarded an email requesting that such behavior cease. I am also going to send a letter making the same request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: GA

Complaint narrative:
I do not have a contract with XXXX XXXX XXXXXXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

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 2017-07-26 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: GA

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: GA

Complaint narrative:
I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.

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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
My information was compromised by my ex and unbeknownst to me opened up credit cards in my name. I tried to go thru the companies fraud department but they would not listen to me and they have since sold the accounts to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: CA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

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 2017-07-26 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: CA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have 42 transaction that were removed from my PAYPAL account over the span of XX/XX/XXXX through XX/XX/XXXX where the transactions were cancelled by the service provider, however, the funds were still removed from my accounts and never returned. I never thought that if the transaction was declined by the provider to look into my PAYPAL account and make sure that they were actually removing the funds. I assumed just like a bank they are responsible to refund money if it is not being utilized or it is cancelled in the the transaction. All 42 transactions clearly show they were cancelled by the provider ( XXXX  XXXX ). However, the funds removed from my accounts were never refunded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26 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: DC

Complaint narrative:
I chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Approximately 3-4 months ago, I contacted my mortgage servicing company, Specialized Loan Servicing about a legal description change on my property and a partial release of deed of trust. I contacted them several times and were given several conflicting answers not only on facts of what needed to be done to solve my issue, but also in how they operate. When my phone calls got difficult where I was inquiring and asking why I was told wrong, the call would some how be disconnected and you would have to dial in again. This happened on at least 6 occasions ( and as I am typing and waiting for a person in the Executive Services department, it just happened again! ) They advised me that for a legal description change I needed to contact the investor on my mortgage. I had to write a letter to SLS requesting the information and then contacted XXXX XXXX. XXXX XXXX advised me they do n't handle legal descriptions and when I told them I had already spent over 2 months with no resolve with SLS, they offered to assist me. XXXX XXXX has now been working the case for over 6 weeks and also does n't have resolution. So today I decided to call SLS to get a status. As I just mentioned, I was routed to 4 departments and spent over 40 minutes on the phone and just got connected to a LEVEL 3 representative who told me to hold while he researched my situation and, once again, after a couple of minutes the call was disconnected. I have always called in from a land line so either they are having consistently large phone issues or this is a tactic for their call center reps to just get you off the phone because they do n't know how to help you. I am holding up a large community project with the XXXX XXXX XXXX because SLS is not working with me to provide me the information needed to finalize my piece of the project with the City. I am writing you because I have never had such extremely poor customer service phone issues along with such horrendous accuracy issues with a financial institution. You can barely get a supervisor on the phone and EVERY question needs to be answered by a call center rep who can not even view your information. They will never let you talk to a person in the back office who is working directly on your case. Just to help provide a comparison, I recently worked with an elderly neighbor to conduct the same task with his mortgage company and it was solved in 4 weeks. I am sitting at close to 4 months with no resolution and need a manager to reach out to me to get this done. It is hard to believe that a company with these practices can stay in business. Please HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP
State: NV

Complaint narrative:
On XX/XX/XXXX my husband and I received a letter from Pressler and Pressler in regards to a wage garnishment application that will be filed through Superior Court of New Jersey : Law Division XXXX Special Civil Part. It states that it is a debt from original creditor XXXX XXXX XXXX XXXX. We have no idea who that is. We checked both  of our credit reports and there is no debt attached to that name or any civil or lien judgement against us. I have only heard from Pressler and Pressler one other time, which was back in XX/XX/XXXX or XX/XX/XXXX, can not recall the exact year. They came to my place of employment with a paper stating either I pay them on the spot or I will be arrested. I seemed legal advice at that time and was told that, that was illegal and to disregard the threat. Now XX/XX/XXXX rolls around not even living in NJ anymore and we get this letter, with no debt amount just stating wage garnishment explanation and my husbands place of employment listed. We are unsure how they even retrieved this information. Any debt we may have had in NJ is definitely past statue of limitation. But again we do not know what this debt is or who the original creditor is. I have read many complaints against Pressler and Pressler who they also go by XXXX XXXX XXXX and XXXX ( something ). I have also found that either an associate or a partner works for the XXXX Special Civil court and that is how they are awarded these such judgements. We will do everything in our power to make sure this firm is stopped and this is the first step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD BANK CONTINUALLY APPLIES AND HOLDS FUNDS IN A WAY AS TO MAXIMIZE THEIR BANKING FEES. THEY PUT A HOLD ON MONEY AFTER THEY INDICATE IT ISNT BEING HELD THEN IF YOU USE THE FUNDS THINKING THEY ARENT BEING HELD THEY CHARGE YOU OVER DRAFT FEES. THEY WITHDRAW THE MONEY FOR A CHECK PRESENTED THEN DECIDE THERE ARE NOT ENOUGH FUNDS TO COVER THE CHECK SO THEY RETURN IT BUT DO NOT CREDIT THE FUNDS TO THE ACCOUNT UNTIL THE NEXT DAY. THIS AGAIN CAUSES THE ACCOUNT TO BE OVERDRAWN WHEN IN FACT IT WASNT BECAUSE THEY RETURNED THE CHECK

Company response to consumer: Closed with explanation