vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: FL

Complaint narrative:
In XXXX an Associate came over to my home here in Florida from XXXX XXXX XXXX. We installed a home security system in our home. There were no problems in the beginning and all bills were always satisfied and paid in a timely manner. In XXXX a major storm hit our area and lighting struck our home a burned XXXX XXXX XXXX XXXX system. We made numerous phone calls to have the system repaired and or replaced but nobody ever came to make any repairs or replace the system. We called XXXX many times and appointments were supposed to had been scheduled but nobody would show. In XXXX and XXXX, XXXX. XXXX I checked my credit report and saw the XXXX had sold my account to a third party collection agency called Perfection Collection. I gave Perfection Collection and call to explain to them that I didn't owe this bill and that XXXX broke their contract by having someone come over to the home to fix and or replace the system do to a major storm and a lighting strike burning the system. The collection agent then stated, '' We don't care nor want to hear what you have to state, you must pay this bill today, or contact XXXX to figure this mess out with them ''. I again tried to communicate with Perfection Collection, but this was not successful. I then called XXXX on XX/XX/XXXX. XXXX to explain to them what has happened again, but the only option they gave to me was to call Perfection Collection because the account had been sold to them and there was nothing anyone could further assist in. 
I do not owe Perfection Collection or XXXX the total amount of {$1.00}, XXXX for services that were never provided. The amount owed began after the major storm occured and after the lighting strike the home and burned the unit this was not any amount owed before this time. I'm asking for this to be removed from my credit report because XXXX  and XXXX have removed this from my credit report, however, Perfection Collection thought they could try again with XXXX and know this is back on my credit when it was resolved with the other two credit agencies. I did report this matter with XXXX  on XX/XX/XXXX but they do not want to resolve this issue. I have been also getting over thirty phone calls per day from Perfection Collection on my business work phone. I'm asking for this matter to be resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Beginning on XX/XX/2019, I have received multiple emails from XXXX stating that I had been approved for a loan through their company. However, I never applied for a loan at any time and I am concerned that my personal information has been compromised. I attempted to contact the company to request that they investigate this matter. When I finally got through, the representative requested that I provide my date of birth and social security number before they would assist me. I feel that this was a further attempt on their part to obtain personal information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: RI

Complaint narrative:
I always pay my mortgage payments 2-3 months ahead to US Bank Home Mortgage. When paying my mortgage, I always highlight in yellow the Due Date, the amount of payment due and put " 0 '' on Additional Principal. In the last few months, I have noticed that the check payments have not been posted when received -- sometimes 2 weeks. They obviously sat on someone's desk and were not posted. I then noticed that the new mortgage bills had due dates that did not show payment. I called and was told that the postings were " in error and will be corrected. '' On XX/XX/19 I received a Foreclosure/Loss Mitigation letter that put me over the edge. I called and filed a formal complaint ( Case XXXX ). Instead of an apology, I received a Corrected XXXX Tax Form which then showed me that I was cheated out of a {$860.00} deduction because their interest numbers were incorrect. When I called immediately, I was told by an English challenged individual that I should call my accountant to file an amended tax return. There was no apology or offer to pay the {$280.00} extra income tax payment that I made due to their error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: GREAT LAKES
State: TX

Complaint narrative:
My student loans should be in income based repayment status, but Great Lakes refuses to update. Each time I call to get this corrected or request additional information - I am told to have my attorney reach out. I do not have an attorney and have advised Great Lakes of this on multiple occasions. I am not in bankruptcy and do not have an attorney. I mailed in my IBR recertification over a month ago and Great Lakes acknowledged receipt. 

What they are doing is unlawful and predatory. They're unwillingness to update account to {$0.00} payment in income based repayment is costing me multiple months towards my repayment calculator. 

I again spoke with XXXX ID # XXXX today and nothing changed. This company needs to be investigated and a class action consumer lawsuit filed due to their illegal ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: NY

Complaint narrative:
Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MT

Complaint narrative:
I received the attached correspondence from XXXX XXXX XXXX. I have not lived in XXXX XXXX since 2015, and I have not drove since then - I never had XXXX XXXX insurance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC
State: CA

Complaint narrative:
On or around XX/XX/2019 I received a letter from CKS Financial attempting to collect on a debit for XXXX XXXX XXXX ( DBA ) XXXX XXXX. In the orignial letter it outlined that I personally owed a debit in the amount of ( {$19000.00} ). 

Having never opened this account but having a long history of identity theft I looked into the account in question and called their office. I was instructed that they are a online lending company and all accounts would be opened and funded online. When attempting to discuss the matter, I was informed that they no longer had any information on the account in question. 

Subsequently, upon reeving this information I made contact with CKS Financial the debit collector attempting to collect on a fraudulent account. As pursuant to the FCRA I requested copies of the original application, proof of a photo id which is required according to the Fair Lending Act, and all appropriate information showing ownership. 

Upon submitting my detailed request to CKS Financial on XX/XX/2019 I received a letter indicating they conducted an investigation and the name and address was the same therefore the validation was complete. At this present time CKS Financial has refused to supply proof of ownership and to date has supplied absolutely nothing to validate the claim in question. Based on the information presented I have filed a formal complaint with your office requesting assistance due to the blatant disrespect of the FCRA and its laws governed to protect consumers. At this present time I have turned the law enforcement report validating identity theft along with all material facts to our legal counsel for immediate filling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Auto 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
In XXXX of 2016, santader auto called my mother-in-law and my brother about the alleged debt. They told them they were looking for me for this alleged debt and told them I would be arrested if I did not pay. They have also called me hundreds of times and this is a violation of my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Upon applying for credit I was denied for several reason one being an auto loan finance threw CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX witch I never inquired or knew I was being charged for the loan it's not my debt XXXX XXXX XX/XX/XXXX XXXX I tried to dispute it with them and they wanted a written letter but after 30 days they would receive it thats not acceptable for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I contacted Optimum Outcomes Inc the week of XX/XX/XXXX to inquire about paying off an account from my cell. Before providing the collector with my information, I inquired about whether the account could be deleted if paid. She suggested that she would have to look at my account to determine if the original creditor allowed a deletion. Since she could not confirm to agree that it would be deleted, I did not provide her with any identifying information. I explained I was in the middle of a mortgage application process and did not want the phone call to cause them to re-age my account with the credit bureau causing negative impact to my credit score.

Through what appears to have been methods of skiptkace, she utilized my telephone number to trace my account. On XX/XX/XXXX, I received an alert from my credit monitoring servicing that the {$190.00} collection tradeline had been re-aged and dated as reported for XX/XX/XXXX. 

They updated the tradeline twice in the same day with XXXX causing negative impact to my score. 

On XX/XX/XXXX, they re-aged the tradeline for a third time, causing additional negative impact to my credit report. 

I tried to speak to supervisor several times about my account and representatives have been rude denying my request. They have hung up or disconnected the calls at my request.They are in violation of Fair Credit Reporting Act through unjustified aging of these accounts. I am afraid that someone is intentionally following through on aging all accounts. I have three separate accounts with them. The others have not yet been updated but I fear they will follow intermittently and redundantly as did the {$190.00} balance. I can pay but this needs to be deleted from my report forever due to the violation. 
Since I will be at further risk due to multiple accounts with their agency, it would only be fair to have them all deleted upon payment and immediately blocked from updates with the credit bureaus. 

I have attached the reports showing it having been re-aged and the XXXX report whereby it did not appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On or about XX/XX/2019, an auto debit was made from my checking account for the full account balance of {$7500.00} instead of {$100.00}. This money was not available in my account. Instead, the American Express credit card company took my paycheck and my entire overdraft protection funds. As such, I was unable to pay my rent or meet my expenses for the month. I called them immediately and they said they would reverse the charge. They did the next day but two days later, they took the money from my account against without my authorization. I called Amex to ask for a payment refund. They agreed, closed the dispute, but never sent a check. 

I called them again and made the same request. They said they would refund it in 7 days. 30 days went by and again, they closed the dispute and never refunded the money. Once I saw this, I called them again and asked where was my payment refund. I explained that this was my paycheck. This time they agreed to send it via wire transfer. They said it would take 48 hours. A week went by and again no refund. I called again and they said they were mailing a check. No check ever came. They keep saying the funds are being sent back, but they keep closing the dispute. I need my money back as this has caused my family hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GREAT LAKES
State: LA

Complaint narrative:
Back in XXXX I decided to go back to school for XXXX through XXXX University Online. I received my Associates degree in XXXX of XXXX and since then it's been a total nightmare. XXXX College, part of XXXX   Colleges, was a network of for-profit schools charged with systemic fraud by the Consumer Financial Protection Bureau and the Department of Education. 

XXXX left me deeply in debt for a worthless degree. XXXX may have filed for bankruptcy protection, but students can not declare bankruptcy on their loans. I am still liable for my XXXX debts, despite the fact that XXXX broke the law : the school stands accused of false job placement statistics, securities fraud, and the unlawful use of military seals in advertisements. 

It was clear from multiple government actions and investigations, dating from as early as XXXX, that XXXX was rife with deceptive and unfair business practices. Despite this, the Department of Education continued to allow over {$1.00} billion a year to flow to the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested my free annual credit report from annual credit report.com about 5 months ago. The web site returns a message that they can not give me any information. I then contacted each of the credit reporting agencies directly Equifax, XXXX, and XXXX. I get the same response from each of them. The information requested name, DOB, and SSN is sufficient to identify me. These companies also share data with the commercial data aggregator/broker industry which has caused me problems with identity verification when I applied for my government pension and now my social security due to having other peoples data mixed up with mine. This has also caused other problems like being dropped from my states active voter list, frequently having to verify my address with the Postal Service, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NE

Complaint narrative:
I entered to Public Service Loan Forgiveness Program and my loans were transferred to XXXX XXXX to XXXX XXXX. I have been under an IDR plan and pay approximately 21 $ a month. In XX/XX/2018 I was re-certified. Then, some of my loans were switched to nelnet. For the last 3 months my IDR ( PAYE ) was not honored and I was charged approximately 150 $ for the last 3 months. They stated that I did not resubmit my IDR which is false. The payments were unauthorized and I would like a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018, while trying to book a XXXX  XXXX  ticket, I came across an offer for {$300.00} to be applied towards the ticket if I applied for a rewards card. I put in my information for the offer and within less than a minute, was notified via the screen that a decision could not be made. I immediately contacted XXXX and was referred to Chase Bank. I then immediately contacted Chase bank within no more than 10minutes of getting the notification on the screen and I was told by the Chase representative I spoke with that my application was denied but she could not state why. I asked for more information about the XXXX  offer and she explained that even if I had been approved, the credit offer only gets applied after the first account statement and could not be used to purchase the ticket. I then explicitly told her I was glad I got denied and I was ABSOLUTELY no longer interested in the account. I asked that the application be withdrawn and the representative obliged. This all happened no later than 10mins after putting in the application on XX/XX/2018. Notwithstanding my explicit request not to proceed with the application and contrary to what I was told by the Chase representative, Chase did in fact go ahead to open a credit account in my name on XX/XX/2018. This is now being reported in my Credit Report and Chase has refused to correct this information on my credit report even though they went ahead to process an application which I did not consent to and out of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a security freeze setup with Experian. I can not get a temporary lift applied online or in writing from Experian using the security PIN code they provided or when I mail all the requested materials to them in writing. 

I have been refused loans 4 times in the last 18 months because they could not pull a report from Experian including the most recent with XXXX XXXX on XX/XX/XXXX. 

I have written Experian about the problem three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have not received a response or a remedy to the problem. 

Their online credit freeze lift doesn't work. Mailing them the requested materials doesn't work. There is no phone number to reach them ... I am just told to send the request in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CO

Complaint narrative:
I attended XXXX XXXX XXXX from XXXX. As a single mom, I qualified for a full scholarship and several grant opportunities. I took out ONE small Perkins Loan as a safety nest egg as I did not need layers of loans at the time to pay for school. I have never taken out a bank loan of any kind in my life. On XX/XX/XXXX, I received a letter signed/dated from Perkins Loan Program thanking me for paying the loan in full. One year after graduating, I began to receive notices stating that my loan grace period was over and payments would begin on a certain date. I call the loan services to get resolve but was transferred to endless departments on every call until I exhausted and gave up. The loans in question were sold multiple times over the years ending up currently with Nelnet. The small student loan that was paid has accrued to {$120000.00} of personal debt, grossly affecting my debt-to-income ratio with credit bureaus and placing me under constant financial stress. I learned there were resources available to dispute such problems with student loans. I called Nelnet to address this issue now decades old. Over the years, I've deferred the loans fearing Nelnet would garnish or attach personal assets. In XXXX, I called and got redirected to the fraud department. They were supposed to send signed documents for me to verify signature. The documents did not come. I need help getting out of the Nelnet web and getting a paid debt resolved. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
XX/XX/XXXX auto loan opened with Golden Acceptance/Relaint Financial for {$9000.00}. Auto was repossessed in XX/XX/XXXX. Lender says it sold the auto for {$150.00} and applied that to my balance. Fair markt value is {$3500.00}. 
This debt shows on my credit report as a Charged Off as Bad Debt. They keep adding interest to the amount and now its up to {$13000.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation