vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed an account and requested verification of the following account that Equifax has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On XX/XX/XXXX, Equifax confirmed through dispute number XXXX that this account had been deleted. A copy of the file they provided to me electronically is attached. Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. 

XX/XX/2017, I received another dispute confirmation from Equifax showing that they have reinserted this previously disputed, unverified and deleted account into my credit file. Since Equifax states they use XXXX XXXX as the source they obtained the information, I called XXXX XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Equifax '' s so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT. 

Once it was deleted, I was appreciative as they were not able to verify and did right by me as a consumer and deleted the file. Now that 's its been reinserted, they are stating the same thing again ; XXXX XXXX address and a statement saying " the account is released. '' I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : US Bankruptcy Court XXXX GA # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX agents assured me that Equifax 's " reported date '' and " verification date '' DID NOT come from XXXX because they DO NOT disclose information on accounts with a security freeze placed on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I leased a XXXX Toyota Corolla from Toyota Financial Services. When the lease was close to ending in XX/XX/XXXX, I traded in my XXXX Corolla for a XXXX model. I made 2 payments to TFS ( XX/XX/XXXX and XX/XX/XXXX ) that were to be payments toward my new lease. Instead, they were credited to an excessive wear charge ( which I will argue later in this note ) and I was assessed a late fee. Even with the money being credited to the excessive wear charge, there was still a refund due to me that has not been sent or credited to my lease payments as of XX/XX/XXXX. TFS did credit the late fee back to my account. In XXXX I received about 5 phone calls a day, including calls to my work phone, from TFS demanding payment of a bill I did not owe. The only way to stop the phone calls was to make an additional payment. Customer services representatives continued to claim they never received the XXXX payment. One rep. insisted I did n't know what an e-check was and told me that it was a paper check sent by the bank. She said it must have been lost by the USPS. 

I had my credit union trace the payment and they confirmed that Toyota received and accepted the payment. On XX/XX/XXXX Toyota finally found the payment they had received on XX/XX/XXXX. They said they would credit my XXXX lease but then called back today ( XX/XX/XXXX ) to say that I still owed more money on the excess wear ( which they had previously said was paid in full in XXXX ) and that they were retaining some of the promised refund toward what was still owed. 

As for the excessive wear charges, these include a {$300.00} charge for a remote/keyless entry fob and 2nd car key. The car never had a keyless remote fob. I had previously reported to the Toyota dealer that the 2nd key they gave me never worked for my car. So, I only ever received 1 key for the car and I gave the key back to them when I turned the XXXX model.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Iwas divorced XX/XX/XXXX, i relinquished the property in XXXX, pa to my husband at the timewhich is described the divorce agreement in explicitly in my divorce documents and i signed the deed to property over in the office of. XXXX XXXX ago i was made aware I am still on the deed in XX/XX/XXXX.2 yearsago i was made aware i am still on the deed to this property.this property is in forclosure .the owner XXXX XXXX is XXXX and I am the owner of record.I have been trying to get ttorney XXXX to rectify this situation and he has refused to have any contact with me and I have been unsuccessful in getting other legal council.In XX/XX/XXXX a judgement was filed and still unable to get a response from attorney XXXX. My complaint is neglegence on Attorney XXXX and help to resolve this delema. 
SincerelyXXXX XXXX Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, 2015 I checked my American Express Serve Card balance and had approximately {$380.00} dollars available. This was to be used to pay a bill so on Monday, XXXX XXXX, 2015 I checked my balance again so that I could withdraw the money to pay my bill and my available balance was {$9.00}. I immediately called American Express Serve and explained to them that for some reason I only had {$9.00} available when I should have had {$380.00}. I saw that there were XXXX transactions for {$120.00}, {$120.00} and a pending charge for {$120.00}. They all were from XXXX. I requested a fraud dispute document. I explained on the document that I did not make the charges and did not authorize anyone else to make them on my behalf. 

However, a couple of days later I received am email from American Express Serve that they had done the following:1. Closed my account. 
2. Determined that the charges were valid. 

I again called American Express Serve and asked them how they came to that determination especially since I did not charge anything from XXXX, and did not authorize anyone to do so. Afterward I was told to read paragraph XXXX of the User Agreement. Upon doing so, it gave me no information regarding fraudulent transactions, or how I would get the money back that was taken from my account. 

Furthermore, the email that was sent to me said I Could request what information lead them to determine that there was no fraud. However, when I called Amex Serve they kept referring me to paragraph XXXX and no help regarding what they found or how I will get the money that was taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have been paying on my formerly XXXX student loan. UAS is the servicer, XXXX bought the loan from XXXX. All the sudden, I could go months without paying, and never heard from them. Then, today, I stacted getting phone calls stating that I am late. I called them and pressed them about what happened with XXXX. I asked if my student loan was one of the ones that was forgiven. He would not answer this question. He refused to give me any information other than my balance and what I owe. I called XXXX and they said to check my credit score, since that would include who has my loan and a contact of the company. I looked up my score and history, and the loan does n't exist. It disappeared, which would indicate that it was one of the forgiven loans. Yet this company, UAS, ( University accounting services ), is claiming I owe them money and is refusing to give me any information on what exactly happened to my loan. ( He was insistent that XXXX XXXX XXXX XXXX was the orginiator. They were n't. XXXX was. ) And XXXX, went under as well and was bought by XXXX. They also are in legal issues and going under. Yet still, UAS is claiming I owe them money and refuses to give me any information. The loan is not anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Submitted a XXXX dollar check to wells fargo, believe had the amount in father 's XXXX life insurance account, in fact, apparently did not, banker showed returned check, promptly went and checked, and came back to the bank and submitted a XXXX check which did in fact have the full amount of funds available, which did in fact clear. believe the bank had " mistakingly '' initiated the XXXX check again, and apparently this XXXX time time bank initiated XXXX run of the check was enough to close an account built from a year long developed opportunity account, at a time where am currently on my own, post a father 's passing, securing living space, and closed the account. 
XXXX and XXXX XXXX XXXX, XXXX number XXXX were the people call center sent to the call to.. prevented being able to pay for a hotel, etc. absolutely no fraudulent activity. absolutely would be a period of two days without any direct funds from my own personal account with no fraudulent activity. am very concerned on the activity on the decisions and would definitely like further research in direct integrity and of a genuine nature. 

Also have other issues which can then submit, and may consider a full and entire filing of entire banking experiences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a XXXX charge off collection filed on my XXXX and XXXX reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I closed my Macy 's credit account leaving a XXXX balance but two months in a row they continue to charge me a fee. The first month was {$4.00}, I paid the amount thinking maybe I stilled owed something, Then the following month again the now charge me {$2.00}, I believe this company is taking advantage of consumers.

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 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!

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 2017-03-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/XXXX, I participated in credit protection with citibank card. After learning what it really was, in XX/XX/XXXX, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in XX/XX/XXXX. A total of 7 additional years of applied fees. The fee is XXXX on every outstanding {$100.00} monthly. The debt is enormous and at the same time, I have lost my job. I spoke to a banking representative who directed me to go this path.

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 2017-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I have been disputing the amount owed to XXXX for two years. Every time I ask for proof of payments I 've made to XXXX from both XXXX and the various debt collection agencies I get NO response.This letter states that XXXX had paid a default claim to the original lender. This in my opinion is a fraudulent payment made on my behalf ultimately costing the american tax payer. Now Transworld Systems XXXX XXXX PA, XXXX has sent me a letter stating my debt is in default and is threatening to sue me for the amount owed. This IS the FIRST time I 've heard from this collection agency. By their own admission they received this debt on XX/XX/2017. They have no records that this has been in dispute and they immediately defaulted my loan and has sent this info to the credit reporting agencies. This is unacceptable collection practices. Every time I tell a collection agency that this is in dispute they " sell '' it to another collection agency and I am back at square 1 in trying to gain the information to compare with my own records. I firmly believe that when I lost my job two years ago I only owed approx XXXX for both loans total. These collection agency 's and by inference XXXX are stating that i owe XXXX ( rounded ) PLUS interest and collection fees bring my total to XXXX. Which by the way is a different amount that I was told by the last collection agency. I want an investigation into my history concerning the various agencies attempting to collect this debt. it is my contention that this debt has passed thru at least 6 different agencies all as soon as they here its in dispute they pass the buck to the next agency causing me and my credit report serious harm and harassment. I will be contacting a lawyer concerning this at this point because two years of trying to request info which by law I have every right to receive only to be given the run around and threatened is beyond the pale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
Virtuoso Agency located in XXXX Colorado. The customer service agent was very rude. I had sent them a police report and other items verifying that it I was a victim of identity theft. The original creditor direct energy cleared the balance realizing it was identity theft. I asked the debt collector to send paperwork to XXXX to clear my name. Virtuoso is reporting that it is in open collections to the credit agencies. The agent was rude and said I am not your friend and I do n't care and I do n't have to help you. All I asked was them to send a letter to XXXX that the account was recalled by XXXX because of fraud. They are reporting to the credit agencies even with the fact that they know its fraudulent debt and wont do anything to clear it.

Company response to consumer: Closed