vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 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: Midwest Recovery Systems
State: TX

Complaint narrative:
sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
I recently learned through XXXX XXXX that AFNI is reporting a XXXX XXXX collection as owed by me to XXXX, a credit bureau. I dont see it on XXXX. Its a debt for {$100.00}, which may not seem like much, but since Ive never had a XXXX account, its entirely too much. I do not recognize this company at all. I certainly dont owe them any money. I tried to dispute it, hoping theyd look into their records and realize it isnt me, but they just verified it as accurate. Its only on one of my reports, so its pretty clear to me that there is a miscommunication happening somewhere from AFNI to XXXX. I have a fairly common name and I just wonder if thats whats causing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX it came to my attention that my credit card history with Capital One ( a credit card I've had since XX/XX/XXXX ), is not showing on my XXXX Credit Report ( though it IS showing on XXXX and XXXX ). 

I called XXXX and they informed me that they collect all reported information from Capital One and that the problem must be with Capital One. To look into the issue they filed a research inquiry. 

On XX/XX/XXXX, I contacted Capital One to confirm that they are indeed reporting this card to XXXX, and they assured me that they are. They also told me that they would file a request to XXXX  to make sure that this card is showing up. 

More recently, in XX/XX/XXXX, I have followed up with both organizations and the situation appears to have not progressed. Seeing that the card in question is still not on my XXXX  report, I followed up with Capital One. They once again assured me that they are reporting it, that it must be a problem with XXXX, and they once again promised to file a request. I then followed up with XXXX, and they too assured me that everything that Capital One reports they include, and so the problem must be with Capital One. They too attempted to assuage me by initiating a research request. 

That 6 months have passed and that this process is not likely to not get me any further is now fully evident and extremely frustrating. To have almost 6 years of credit history not show up on my XXXX  credit report ( the only bureau that matters apparently ), is extremely damaging to my attempts to gain other credit. 

Please help me resolve this mess between these two giants that seem to be content merely filing requests and reports without actually resolving my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is our homeowners insurance company. Loancare is the company that is servicing our VA loan. Loancare, allegedly, paid our insurance company, by check, dated XX/XX/XXXX. The bill was due on XX/XX/XXXX. The Insurance company has not received the check as of XX/XX/XXXX. Our insurance is being cancelled due to the incompetence of Loancare.

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 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX and XXXX, also XXXX, I have not been successful, this company is tek collect inc, XXXX XXXX XXXX, XXXX XXXX tel -XXXX, this debt is reported to my XXXX, XXXX report . I have tried numerous times to get this deleted, I have not been successful. I call they keep me on hold, do not come back to speak to me, one person was very rude. I just did not call anymore. someone have a similar name, and they just pinned the debt on my credit file. Also I have a debt company by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, tel # XXXX that is still showing on my XXXX  file, I had it deleted on my XXXX  report, I requested numerous times to get it deleted on my XXXX , I even send them a copy of XXXX showing deleted, no luck yet. Please I need this resolved. I turn to you, because you do get things done right away. You have help me get a lot of debts that show that was not mine. Thank you again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: WI

Complaint narrative:
I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Worldwide Processing Group, LLC
State: TX

Complaint narrative:
I recieved a call from a XXXX XXXX from phone number XXXX claiming my husband owed a debt of {$300.00} to a company called XXXX XXXX XXXX.

I also spoke with her superior named XXXX, who said they are a 3rd party collection agency, named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

The company the claim we owe has no website, every phone number listed is disconnected and online numerous complaints that it is a scam.

I contacted my bank and they confirmed we never recieved funds from them and searched multiple months. XXXX was claiming perhaps this was the only acct. they tried to receive payment from. They had the last 4 of my husband 's ssn, our checking acct number and my email address.

They claimed we owed {$480.00} and they got very defensive which was quite odd when I simply asked for the contact information for the company.

Supposedly they say they marked my file as disputed and that XXXX XXXX XXXX. will figure out how to contact us from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I sent money in the amount of {$800.00} USD to my friend in XXXX. According to Paypal my recipient should have had the money by XX/XX/XXXX. As of XX/XX/XXXX she has not received the money. I called paypal to authorize release of the funds since I am the sender. They refused to release her the funds saying that since I am not the recipient they could not speak to me about her account. I am the SENDER. I use this service to send cash to friends and family in times of need. Paypal is unnecessarily withholding funds from recipients. 

Transaction ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TX

Complaint narrative:
I have disputed these accounts and have sent letters to the bureaus and companies and no one will help me resolve my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation, case law is as follows XXXX vs XXXX Appeal from the XXXX Superior Court - The judge ruled the following : " As discussed previously, an FDCPA claim has nothing to do with whether the underlying debt is valid. An FDCPA claim concerns the method of collecting the debt. It does not arise out of the transaction creating the debt [. ] XXXX, XXXX XXXX XXXX. at XXXX. Footnote : See 15 U.S.C. 1692k ( governing civil liability under the Act ).

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
The contact information is unreasonable for a credit reporting agency that dictates your digital existence on this planet and also vague about why consumers are repeatedly denied basic accounts based on hidden information from companies that do not have my consent to hold my personal information. I demand all my personal information be removed from this possession of this company which is even worse than the XXXX scandal.

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 2018-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: CA

Complaint narrative:
These loans are duplicately reported along with XXXX and XXXX XXXX XXXX. This account was on an approved deferment and therefore was never late. The unscrupulous practices of student loan companies make it almost impossible to repay and hinders your credit unnecessarily. Please correct this error immediately to paid as agreed never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America desist has violated x 15 USC 1692 by continuing collection activity after a cease and and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
This company does not and will never have my consent to have access and store personal and private information that belongs only to myself. This is a direct violation of state and federal privacy laws as well as unconstitutional. I demand all information pertaining to myself be removed or I will pursue legal class action suit against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: EQUIFAX, INC.
State: OR

Complaint narrative:
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: NJ

Complaint narrative:
Employment history : Never worked at XXXX ; want it removed. Victim of identity theft. 
Also, two unauthorized hard inquiries.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: PA

Complaint narrative:
The company keeps calling me about a debt that is owed. I informed them that I could not afford the debt and I still keep getting at 3 calls a day threatening legal action. They are also contacting my fiance and other relatives

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: LA

Complaint narrative:
I'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.

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 2018-06-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm under the impression the matter is resolved but the company continues to blackmail me using credit reporting agencies to stiff arm me into paying unjust charges from fraudulent activities of their employees.

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 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peterson Enterprises, Inc.
State: AZ

Complaint narrative:
In preparing to apply for a mortgage, I discovered a notice of collections on my XXXX  credit report for {$770.00}. The collections agency was XXXX XXXX XXXX in XXXX XXXX, Washington. 

I attempted to contact the company via their online contact form on XX/XX/XXXX and received no response as ofXX/XX/XXXX. I have also contacted the collections agency via telephone today ( XX/XX/XXXX ) and  they couldn't find any debt in my name or with my date of birth. They also confirmed that it was my social security number on the account and nothing else. 

I discovered via XXXX that the collections was for debt owed to XXXX XXXX. I have never done business with this company and do not owe them money. Upon contacting XXXX, they confirmed that they had no record of me as a customer. There was an account opened using my SSN, but not my name, date of birth, or address. I do not now, nor have I ever lived in the state they service. 

It seems highly irresponsible to report a debt on my credit report that does not match my name, date of birth, state of residence or any other information other than SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I refinanced my home in XX/XX/2017 with Quicken loans. My ex-wife was on the previous mortgage and she was also the named insured. Part of the refinance was to remove my ex-wife, XXXX XXXX, from both the mortgage and the deed. During the process of closing, Quicken loans obtained a policy number from XXXX XXXX and paid the amount to XXXX XXXX that was due on the policy. The policy that Quicken loans paid was the old policy that XXXX XXXX was named on. XXXX XXXX had already released XXXX XXXX and when they received the money, they immediately sent it to XXXX as an overpayment. Quicken loans then discovered that they had paid the WRONG policy and sent out another payment for the right one. 
During the Escrow analysis in XX/XX/XXXX, Quicken loans determined that my escrow was short XXXX XXXX XXXX dollars and XXXX cents. Quicken then sent the escrow analysis to me in the mail giving me the option to pay it back over 12 months or one lump sum. I have no idea what the process of refinancing a house is which is why I had an attorney at closing. I did not receive, nor benefit from the money that XXXX XXXX received in error. I have made my mortgage payment on time, and have done everything I should do, and I do not feel that I should have to pay for someone else 's mistake. ( i.e. Quicken Loans, XXXX XXXX, or XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery just reported a {$1500.00} medical debt on my credit report. Prior to reporting this debt to the credit bureaus, I did not receive a notice of my right to dispute. I would have contested the debt, but I wasn't given the opportunity. By reporting this debt on my credit report without a 30 day notice to dispute, they have violated my rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief