vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: GA

Complaint narrative:
I received a letter from Stoneleigh stating that they are the collectors for an account I allegedly have with XXXX XXXX. I sent a validation letter to Stoneleigh to tell them to provide me with a contract that has my signature that ties me to this debt. This letter was received by them ( which I enclosed a copy of tracking ) on XXXX XXXX, 2017. They have not responded with any documentation that I owe this debt. But they sent me another letter with a settlement offer that I received XXXX XXXX, 2017 but it was dated for XXXX XXXX, 2017.  So even after receiving my debt validation letter they chose to ignore it and continue to try to collect on this alleged debt. If no signature can be provided on a contract that bears my name, an agreement that shows that they can collect on the debt, or a validation of the amount this item I require a letter from them stating they cease collection activities on this account. In the letter I also asked to stop collection activities until they are able to provide such proof within the 30 day allotted time and they have violated that. According to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ), they are bound to provide me with such proof. Anyone can send a letter stating I owe an amount and that I am required to pay so I need proof that I actually owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Greenback Recovery Group, LLC
State: FL

Complaint narrative:
Received several call in the past month from XXXX XXXX of Greenback Recovery XXXX stating I owe {$1500.00} and how I want to pay for it I told him I have never received anything from any Credit Card company asked him to mail it to me. Its been 3 week and I have n't received anything but tons of messages telling me they are coming to my home and that I need to show passport and drivers license or they will go to my job.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-13 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVIC~ {$130.00} ~Opened XX/XX/XXXX ( XXXX ) CREDIT CONTROL SERVICE ~XXXX~ opened XX/XX/XXXX ( XXXX ) I have submitted Disputes through the credit reporting agencies and have asked how the debts were verified and they can not give me an I have verified that both collection agencies are not licensed to collect in Florida

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Larry H. Miller Group of Companies
State: CO

Complaint narrative:
I obtained pre-approval for financing through my credit union prior to purchasing a vehicle from Larry H. Miller XXXX XXXX in XXXX XXXX, CO. I was informed that I needed to fill out their loan application paperwork before they could approve financing. I filled out the paperwork and provided my SSN. I told them I did not want XXXX XXXX and was told that I was not applying for a XXXX Loan. I was told by the sales person that they needed the information for their records in case they " got audited. '' It turns out that the finance manager still made credit inquiries on behalf of the dealership, despite them fully knowing that I had been pre-approved for a loan through the credit union. <P/>I did not authorize a credit inquiry on behalf of the dealership. Their actions are counter to FTC Notice of XXXX XXXX, 1998 which states " [ A ] n automobile dealer may obtain a report only in those circumstances in which the consumer clearly understands that he or she is initiating the purchase or lease of a vehicle and the seller has a legitimate business need for the consumer report to complete the transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( Transunion, XXXX and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. Transunion inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

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 2017-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEMA CORP
State: CO

Complaint narrative:
Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
The mortgage payment on my  XXXX   XXXX ,  2017 statement from Fay Servicing jumped nearly three times -- to {$1700.00} -- which i s due on  XXXX   XXXX . We have been paying in good faith on this home equity loan yet, unilaterally, and without warning nor explanation,  Fay Servicing cho se to more than double the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
on XXXX XXXX 2017 an unauthorized account to account or bank to bank monetary transfer of {$1500.00} dollars was made upon my debit card. I summited and action of stop payment and dispute to the company. They said no error was made in their transfer. They hope too resolve the claim in 11 to 45 days.

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 2017-07-13 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: CA

Complaint narrative:
I talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete them.

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 2017-07-13 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: MN

Complaint narrative:
In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TX

Complaint narrative:
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, Equifax and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Equifax inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, XXXX and Experian ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. Experian inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

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 2017-07-13 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: GA

Complaint narrative:
It was 2 glitches with Trans Union and account was taken off the re added without me being notified. This is illegal

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 2017-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Fedloan Help
State: NE

Complaint narrative:
I was contacted by this company, Fedloan Help , Inc and led to believe that I was going to be repaying my student loan debt and that I was going to be enrolled in the loan forgiveness program that forgives your loan after 10 years of payment. I have been making payments for the past year in the amount of {$72.00} and was under the impression that I was taking care of my loan directly. Recently I received emails from XXXX XXXX saying that I was in delinquency for failure to pay my loan balance. I was told that none of my payments for the past year were applied to my student loans and I was not enrolled in the loan forgiveness program. I believe I was falsely lead into paying a third party company and that they were deliberately deceiving me. I received monthly payment invoicing notices claiming that this was my courtesy student loan payment reminder which contributed to the deceit. I have paid the {$72.00} every month for the past year and paid a total of {$860.00}. Not only did this company enroll me on false pretenses, they also did n't inform me that I had to continue on my own every year to reinstate the payments. This has negatively impacted me, I do n't have the money to pay two separate companies for the same service and I was told my credit score could also be negatively impacted because I was considered delinquent on a loan.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My payment history shows that Ditech had received a payment for {$1000.00} which was to be XX/XX/XXXX  mortgage payment with the extra amount going to principal. They show the entire amount going to principal and that I have n't made a XX/XX/XXXX payment yet. I wrote them about this on XX/XX/XXXX and got a response on XX/XX/XXXX that reads : " Your request is being reviewed for appropriate processing, '' yet the account shows no mortgage payment for XXXX 2017, according to them. Given all of the problems with Ditech/Greentree that I 've had, I honestly believe this is an attempt by them to claim a late payment by me. I also wrote to them indicating that I was sending in XX/XX/XXXX payment early and that this, too, should be applied to XX/XX/XXXX mortgage payment. I have not seen that payment as posted, yet. I also asked ditech for a new security question from among the three they give me. The answers must be exact with cases correct and I ca n't remember one of the answers. I have been locked out of my account a few times because of this. Once is happenstance. Twice is coincidence. Three times is enemy action ... .XXXX XXXX . This is well beyond the third such issue with Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Contacted on X/XX/17 informed company this debt is not mine I never signed a lease, I was never a lease holder. Please do not allow this on my credit report incorrect information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.

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