vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
on XXXX XXXX XXXX I refinanced my home equity line with XXXX XXXX, They sent out a check and on XXXX XXXX Huntington deposited it. I had an account at Huntington that I had money saved and did n't touch so I was unaware that monthly Huntington was now taking a minimum monthly payment from that account, I went into the local branch to closet that account to find it was drained and found out why. The local branch was no help and the XXXX was no help. They essentially deposited that check and stole that money, they said since there was not an account number on the check they would not have known what to do with the check. XXXX XXXX sent a payoff letter with the check that had the account number and all my information that Huntington conveniently misplaced. I need this taken care ASAP because I 'm refinance my home with XXXX XXXX and that line is still showing open so I now technically have XXXX liens on my home and Huntington 's should have been closed & released over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2017-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, In XXXX XXXX 2017 I made my first payment to Wells Fargo for my student loan. I requested a due date change for my payment to be scheduled for the end of the month. The representative took my first payment and advised me that she would submit the due date change and that effective XX/XX/XXXX the due date change would occur. She gave me the next due date of XX/XX/XXXX. XX/XX/XXXX I started to receive calls and notice by mail that my payment was late and additional fees had been assessed. I called in and spoke to a representative whom advised me at that time that it can take up to 60 days for the request to process. She had a supervisor waive the late fee and said she would submit my request again. I had a payment scheduled for the end of XX/XX/XXXX and was advised to call back on XX/XX/XXXX to make sure the due date change was still going to occur. I called in on XX/XX/XXXX and spoke to a supervisor named XXXX whom advised me that the request was declined again but that he would submit the request again and that it would go through. Here we are mid XX/XX/XXXX and my due date has not been changed. I called in today XX/XX/XXXX and spoke to a supervisor named XXXX. She basically said I needed to make a double payment, refused to waive any late fees ( due to their improperly trained staff ) and said there was nothing she could do for me. I would like any late fees waived and for the due date to be changed as promised when I made my first payment in XX/XX/XXXX. My account is only in this status because I was given wrong information twice now.

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 monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
They did not give me any information or a letter on what is the total amount but asking for to always say my social security number

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 2017-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have contacted Experian numerous times filing multiple disputes via online and over the phone regarding inquiries recorded on XXXX XXXX, 2017, XXXX by XXXX, another by XXXX not authorized by me. Experian has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding XXXX delete the inquires immediately. 

Additionally, I have disputed an account on my credit file listed as XXXX XXXX, account number XXXX. This is a derogatory account that is not mine, I have no knowledge of and have tried for months to have it removed from my file. It is showing as a closed account with a balance of $ XXXX. I have asked Experian to provide written documentation validating this account and they have been unable.The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. I am demanding this account be deleted from my credit report immediately. I have never had an account or contract with 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 2017-09-14 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: EQUIFAX, INC.
State: ME

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX I have been attempting to contact Equifax and XXXX to place a freeze and fraud alert on my credit report. Their websites continually do no load and/or process the request. Contacting via phone is always automated and at the end states " system is not available ''. When trying to contact an agent I receive a " busy '' signal. The automated prompts then indicated there is a freeze on my credit report, however failed to provide a pin to release it. 

There has been an egregious violation of protection of NPPI by these entities and an apparent deliberate attempt to taper or slow down volumes given their business model. Given the type of information they use, sell and profit from, they must have controls in place to effectively mitigate these types of risks. They clearly do not. Not only is this the fault of the company, regulators have failed the public as well given the lack of oversight of this industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I payed Equifax to help with my credit My Social Security number is out on the web being sold or used by someone without my knowlage My name my address my account numbers my social security number My credit Are all at risk.or not I would like an ANSWER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC SYSTEMS COLLECTIONS I am writing to request that this account collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation.

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 2017-09-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted XXXX XXXX and was told to call Well fargo to gain online access..they both said I have to wait for the bill ... NONE ARRIVED .... 
I called Wells Fargo again and they told me they sent it and I had a past due amount ... I asked if they had the correct mailing address.. 
( THEY DID NOT ) .... 
they fixed it ..took a payment over the phone and I was told there would be no late fee as it was there fault for the wrong address ... ( she even showed it was returned : ( ( ) The bill shows up today ( X/XX/17 ) that says I owe XXXX on XXXX XXXX 
i attempted to set up on line access with the Number on the invoice ... 
No problem : ) When I call Wells fargo they say they can not setup my online payment account until I pay the LATE fee from XXXX : ( XXXX bucks .... seems WRONG!!!

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 monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much

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 2017-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried several time to put a freeze on my credit report at Equifax. 

I called the number provided by FTC web site XXXX and that told me that Imy request could n't be done through automated system. 

Then I tried their web site three times to to freeze my report. In each instance I got a message that system is n't available and try later. 

Then I called their newly created call center and I was told they are only directing the call to FTC web site. Nor, could they give me an address for me to send a request for freeze in writing. 

It is very frustrating. I am suppose to leave the country in few day and I am concerned about unauthorized use of my credit. 

All of these incident happened on XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Consultants, Inc.
State: FL

Complaint narrative:
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BB&T CORPORATION
State: FL

Complaint narrative:
this debt is showing on my XXXX credit report its not mind this account was opened in ohio i NEVER been or lived in ohio, i called them and wrote them and they still can not find proof its mind there causing harm to my name and credit report they dont even have my correct social 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 2017-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.

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 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I 've tried for months through other mediums to rectify this incorrect information that XXXX XXXX reporting to credit bureaus. I know that they have been cited/sued for unfair treatment of consumers in the past according to the FCRA and I believe that I 'm being treated the same way. 

I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with them and I am not liable for this collection from XXXX XXXX XXXX. Furthermore I am not responsible for the debt with Portfolio Recovery Associates. 

I demand to see proper Validation of this supposed Debt ( Signed Contract, Signatures ) or for it to be Deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I have disputed this debt with all the credit bureaus as well as a direct dispute to the collection agency via certified mail. They have never responded to my dispute and they have allegedly verified this debt as reporting 100 % accurate to the credit bureaus. I have disputed the balance multiple times with the bureaus and they verified it. I do not agree. I have asked them for the original contract to see if they are legally allowed to add the absorbent collection fees they have added. And they never responded to my dispute with in 30 days as required by law. In the past they have called and harassed my grandparents to try to get a hold of me. I am fed up with this company. This is my last step before i turn this over to my consumer protection attorney to file suit against 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