vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IA

Complaint narrative:
In XX/XX/XXXX, I made a call to Loancare to make my mortgage payment. I asked the rep to help me sign up for autodraft, so I could more conveniently make payments. She did so. I told her the XX/XX/XXXX of every month. My mortgage is up to date, and my payments are around 660. So I was pretty shocked to see my bank statement come up as Loancare debiting my account on XX/XX/XXXX for XXXX, which is a lot more than my mortgage payment. Immediately I called them up. They said there was no history of any payment for XXXX. I told them my bank statement said otherwise. I sent the bank statement in to the payment department and received confirmation they received it. I also obtained the ACH transaction details from that draft and sent that in too. Within 48 hours, they emailed to say my issue was resolved. When I called them, they claimed I had actually sent in two separate payments, one for the amount and then extra. I told them I most certainly did not and I dont have the kind of cash to be doing that. The call was dropped, no one called me back. So I called again. This woman told me that the extra money had been applied to the principal, paying me up until XXXX. I told her thats not what I asked for, I wanted my money back, and she said she would forward it over to a supervisor for a call back. I never got one, so I called again. Yet another rep told me my check was in the mail. I thought this whole nightmare was over, and then I got an email saying my running bank statement was not enough proof that the XXXX had cleared my account, only that it had been attempted. So I went to my bank again, and I resent my bank statement, the transaction details, a letter from my bank stating that the payment had cleared the account and affected my balance with a phone number and an invite to call them with questions, as well as a screenshot of transactions showing the payment successfully being debited from my account and a positive balance after. And still I have no refund. Ive asked them never to autodraft my account again, because they claim there was no autodraft yet they went in and took a random amount out of my checking account somehow. Im in fear for what they will take out next month ans whether I will see any of my hard earned money again. I have had to spend at least four hours during work time, postpone important vehicle repairs, and undergo serious stress due to this. Whatever evidence I show this company that I made this substantial payment, they deny it and ask for more evidence.

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My application for a credit card was rejected because my " identity can't be verified '' by Experian. I went online to check my Experian report and they said the same. I'm OK with XXXX and XXXX, but can't get Experian to even recognize who I am, meanwhile, the credit card application is in limbo. I tried to resolve this online and by phone with no good results. 

I'm a little concerned that I might have been hacked or have some unknown breach that prevents Experian from recognizing me. 

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
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear, Consumer Financial Protection Bureau I am writing to dispute the following information on a lien judgment. I recently discovered this while trying to refinance my house. The below debt was previously discharged by my bankruptcy. 
The case number was XXXX. Discharge date XX/XX/17. By order of the United States Bankruptcy Court : XXXX District of XXXX, by the honorable Judge : XXXX XXXX XXXX Dispute 1 Account Number or other information to identify account : Citibank Credit Card account number is XXXX. Mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount of claim was {$25000.00}. 

Debt sold by Citibank, to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. Phone : XXXX. Acct. number XXXX This creditor XXXX XXXX XXXX is now pursuing me, reporting bad debt and refusing to release Lien judgment.

Debt was included in Bankruptcy that was Granted and Order Discharged by the United States Bankruptcy Court of XXXX XXXX on XX/XX/2017 Please review this and help me reach a favorable resolution. Your help is greatly appreciated. 

I have attached a copy of my bankruptcy papers with the account in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX XXXX ( See attached copies 14 pgs. ) Order Of Bankruptcy Chapter XXXX Discharge Lien Judgment Schedule F Creditors List ( Listing XXXX XXXX XXXX ) Trustee Ledger ( Listing XXXX XXXX XXXX ) Notice of Chapter XXXX Trustees Interim Final Report ( Listing XXXX XXXX XXXX ) Creditor Mailing Matrix ( Listing 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 2018-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Prepaid Card was issued to me for {$1000.00} as a reimbursement for flight cancellation. The card represents Prepaid Rewards, ( a ), there is no reward program for use of the card as advertised, ( b ), when I attempted to utilize the card to pay the outstanding balance on my American Express Credit Card ( 30 year card holder ), it was refused. Clearly, for each transaction I charge on the non-reward prepaid card ( advertised as a reward card ), I loose rewards on the credit card which has rewards. Further, where the card is prepaid ( funds on deposit with American Express Bank ), the movement of the funds from one account to another has no risk and no expense. By forcing the use of the prepaid card with merchants there is an expense to the consumer ( me ), with no reward benefit as ascribed to the credit card. Pursuant to the Prepaid Card Rules this is a violation of the rules in both respects. The inter-lata transfer at the same bank from one account to another for a consumer is requisite. It is clear if the prepaid card is drawn on another bank, the non issuing bank does not have the responsibility to accept the funds on the prepaid card for deposit. However, at the same bank movement of funds inter-lata is required. I spoke with American Express and requested escalation to the supervisor and received the same denial. Prepaid Card number XXXX XXXX XXXX - Credit Card Number XXXX XXXX both American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: CA

Complaint narrative:
XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my Experian, XXXX  and XXXX  credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report 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 explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair.

After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. 

The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. 

They provided me no repair service but a Quote.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: FL

Complaint narrative:
Experian is continuing to report negative information that is not mine on my report that have already been removed. For example they have removed the inquiries for XXXX XXXX XXXX but refuse to remove the actual account as it is fraudulent. The negative accounts that are fraudulent need to be removed : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX # XXXX -- -Not my account.

2. XXXX XXXX XXXX/XXXX XXXX # XXXX -- -Not my account.

3. XXXX XXXX XXXX # XXXX  -- Not my account.

4. XXXX XXXX XXXX   # XXXX -- -- This account has never been paid late.

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 2018-06-20 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: I.C. System, Inc.
State: IL

Complaint narrative:
I went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). 
I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. 
XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. 
I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. 
I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. 
This delinquent account is not mine, and I never authorized anyone to open an account in my name

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 2018-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: OK

Complaint narrative:
The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is appearing on my XXXX, Transunion and XXXX credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report 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 explanation
Consumer complaint received 2018-06-21 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: CA

Complaint narrative:
XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my XXXX, XXXX and Equifax credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX seems to have problems with my credit file.I notified them that on XX/XX/2018 XXXX credit works premium was unable to pull a equifax report and has not been able to since.After talking to Equifax I have sent in by fax my ID and address info. they requested.No one can pull an Equifax file on me.I can not either through annual credit report.com.I can not function in the credit world due to Equifax computer problems.

Could we make XXXX part of the BIG THREE and tell Equifax to go to another country?

I ordered a credit report from Equifax Shortly after XX/XX/18 and it has not arrived.They keep saying they are mailing one but it doesn't arrive.I have no problems with XXXX or XXXX   reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
IU was contacted by " portfolio recovery '' about a debt I " owe to XXXX from a XXXX  card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Student Loan Debt Agency
State: FL

Complaint narrative:
My Boss received a letter addressed to me at his home address from a " Student Loan Consolidation and payment reduction program '' inside this letter is disclosed the total amount I owe in student loans. I have never lived at his address.

I am angered that my personal information was sent to his home and that my personal information was disclosed to him. The letter stated it was my " Final Notice '' so he has been receiving this information repeatedly. He brought it to my attention today XX/XX/18 and stated he was not sure why it was being delivered to his home.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX was contacted by " XXXX XXXX '' about a debt I " owe to CitiBank from a bestbuy card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything

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 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: MD

Complaint narrative:
First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once 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 2018-06-21 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: IL

Complaint narrative:
This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the Equifax credit bureau on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX with providing a Police Report and an notarized Affidavit. The item still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX - I opened a savings account and a checking account wit

h Citi online. About a week later - Citi e-mailed me to ask for more personal info, including utility bills, credit card bills, phone bills, etc.
On XX/XX/XXXX - I faxed the documents back to Citi.

On XX/XX/XXXX - I received the new Citi debit card in the mail and activated the online access. I could see my new Citi savings account and checking account online. Later on the same day, I asked Citi online rep how I could meet the requirement for the opening account bonus by the deadline. She said I could wire the money in ( {$15000.00} ) from a different bank on the next day.

On XX/XX/XXXX - I followed Citi rep 's advice and wired {$15000.00} from my XXXX XXXX to new Citi savings account. Later on the same day, I realized I suddenly lost my Citi online access. So I called Citi, and the Citi rep told me the accounts were indeed approved yet they'd just closed my new accounts ( without a good explanation ).

On XX/XX/XXXX - I found out my XXXX XXXX  got the wire money reversed ( rejected by Citi due to closed accounts ) but only {$14000.00} was returned by Citi. I called both XXXX and Citi. XXXX rep confirmed that Citi took away {$40.00} when returning the fund. However, Citi rep didn't admit that they took away {$40.00} or find a way to explain why my new accounts suddenly got closed.

I searched online and found out that Citi indeed charged {$15.00} for incoming wire and {$25.00} for outgoing wire, so I'm suspecting that's how {$40.00} was lost : https : //online.citi.comXXXX XXXX I'm not at fault since I basically just followed Citi 's instruction yet they closed the account and took {$40.00} for rejecting my wire transfer. I hope that CFPB can help me resolve this issue with Citi.

The conversation with Citi rep on XX/XX/XXXX is attached.

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