vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. 

I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. 

I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. 

They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
Company calls excessively, calls others not listed on loan ( listed as " references '' ), charges usury level interest, filed loan application using fraudulent information ( claimed assets that are non-existent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Contacted both Transunion as well as XXXX XXXX and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent letters out multiple times and nothing has been done to address my issues. 
I have not received any correspondence from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Contacted both XXXX as well as capital one and have not had this issue resolved yet after numerous attempts. Inquiries on my credit report that were not authorized by me nor belong to me remain on my report. Inquiry dated XXXX/XXXX/XXXX CAP ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
There is a collection account which is unknown and I do not owe this company {$410.00} requesting removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Between XXXX and XXXX XXXX, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX. Given that I am XXXX XXXX XXXX XXXX XXXX XXXX, and the social security administration estimates my lifespan at XXXX XXXX, this means I will need to pay for this service for an expected XXXX years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. 

Additionally, I already filed a complaint to this effect and was treated quite poorly by Equifax. I received a boilerplate response with no actual dealing with my problem. If this comment is not fixed to my satisfaction in this round, my next step will be to file a small claims suit against Equifax for the lifetime damages they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. 

To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I added my wife 's name to my account with GS Bank ( Account # XXXX ). The bank requested a new signature card, which my wife and I completed, and I returned. I then received an email saying that the card was not received. When I called, I was told that it was received, but that my social security number was incorrect. As far as I can tell, a zero with a slash through it was incorrectly read as a " XXXX '' rather than a " XXXX ''. The representative told me that a new signature card would be sent overnight on XX/XX/XXXX, and all that was required was my signature and another copy of my SSN.
That overnight letter was not mailed until XX/XX/XXXX, and received on XX/XX/XXXX. When I called and asked what happened, " XXXX '' told me that they made a mistake, and " that happens. '' He also told me that I would have to again travel and obtain my wife 's signature, and provide the other easily provided information. 

When I called again today, I was told that " everything is ok '' without any explanation. I do n't know what is needed, or why the delay/error occurred. The explanation that " errors just happen '' indicates to me that GS Bank has not resolved essential process aspects to their banking model. 

I would like a clear explanation of what is needed at this time, and how they want the SSN written or typed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
Designed Receivable Solutions continues to raise the collection on my account by {$1.00} each month to purposefully drop my credit score. They also continue to place harassing calls concerning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
I was notified on or around XXXX XXXX, XXXX, by a letter from XXXX, XXXX, who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by SPS/Select Portfolio Servicing., Inc. , located in XXXX XXXX XXXX , Utah . I was told by XXXX , XXXX, I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. XXXX provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: ECMC GROUP, INC.
State: VA

Complaint narrative:
I currently have my student loans consolidated through XXXX after I graduated in XX/XX/XXXX. I have been making my payments directly to XXXX and missed one payment in late XXXX when an auto-payment failed to clear. The problem was corrected as soon as I found out, and I have not had an outstanding debt since.XX/XX/XXXX, ECMC called my work phone claiming they work with XXXX XXXX XXXX XXXX. I attended XXXX during the XX/XX/XXXX-XX/XX/XXXX school year and had since moved on. They mentioned the missed payment and that I had an outstanding balance. I checked with XXXX and there are no outstanding balances. I also checked with XXXX and was confirmed to have outstanding debts with the school. I explained to the woman from XXXX that I had no outstanding balances, and she began to launch into a spiel about how XXXX is contracted with XXXX to offer financial guidance. I declined and informed them not to contact me again. Today, XX/XX/XXXX, I was contacted again by XXXX claiming to be calling on behalf of XXXX and that they had previously helped me with financial management. I informed them forcefully they had never helped me, I had never requested their help, and that I did not appreciate them calling my work phone if there are no outstanding monetary issues to discuss. 

I am reporting about ECMC 's tactics because I do not know how they received my work phone number. I was not employed with my current employer when I attended XXXX. If they are calling on behalf of XXXX, that is one thing, but they instead called detailing outdated information regarding XXXX. 

I will be following up with Navient, and I expect XXXX will be calling my work phone again trying to peddle " financial help '' where clearly none is required.

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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

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 2017-09-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
i just recently looked on my credit report and seen a whole bunch of loans and accounts oppened in my name with out my permission and knowledge of it, one back in XX/XX/XXXX i was actually in XXXX at the time and get out XX/XX/XXXX another one in XX/XX/XXXX that i didnt know about i knew about only one thing which was a light bill that i helped my step father out with

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
i have tried talking to equifax about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with equifax any more so im here with my complaint..please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? 
Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. 
XXXX, NH

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i have tried talking to XXXX about items on my credit file that dont belong to me and they keep giving me the run around i even hired a lawyer to help me remove these items off my credit file, i just cant deal with XXXX any more so im here with my complaint..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