vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This is coming after CFPB complait # XXXX. I paid my rent was twice accounted for then sudden several false charges were put on my account then 3 days later my rent was returned as unpaid. This is the same thing that happened in XX/XX/XXXX of this year involving both XXXX apartments and someone inside Huntington bank. Some of the items taken out of my checking account but not due or paid too items I dont have are {$50.00} to XXXX, & XXXX XXXX payment not due to XX/XX/XXXX. {$50.00} XXXX not due to the XX/XX/XXXX, & XX/XX/XXXX Coinbase not due toXX/XX/XXXX. All these items including other charges coming up to {$1200.00} were all paid after my rent payment but somehow that payment was listed as low funds after shown as paid. Also the first item that happened was that my debit card was locked without reason. I called as asked for explanation but no reason was given and no alert was shown on my XXXX website nor any alert texts sent to me. Again the XXXX phone person wouldnt identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA

Complaint narrative:
Hello, My initial loans were federal loans, which I then consolidated with one of the larger companies ... XXXX XXXX, I believe. Seven years ago, my loan was bought by another company, American Education Services. The main problem I am having is this : Many months, I would send in more than the minimum payment, typically {$20.00} or so. Some months ( only a handful ), if I had forgotten that I made a payment already, I made two full payments of {$130.00}. About two months ago, my minimum payment was raised from {$130.00} to {$290.00}. This is due to the ORIGINAL consolidation terms being a balloon repayment plan. ( That is a whole other story to get into later ). 

I started looking into my loan payments and balance amounts at this point, however, and realized that for almost two straight years, not a single amount of my monthly payment went toward the principal of the loans. During the other years, anywhere between 5 to 7 of the 12 payments during those years saw the same situation - not a single amount of the payment going to principal. 

I sent them an email questioning them on this, and they send back some XXXX information about how, in their opinion, they do not have to put money toward the principal, that they can allocate the money toward interest for the next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NC

Complaint narrative:
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it in XX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}

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 2018-09-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it inXX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NC

Complaint narrative:
My XXXX XXXX account ending in XXXX is showing closed and I reopened the account a couple days after closing it. I closed it in error in XX/XX/XXXX and reopened it in XX/XX/XXXX. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But the balance on my statements and being reported to all the bureaus is the balance from when I closed the account in error - {$900.00}. The balance of the account as of today XX/XX/XXXX is {$620.00}. I have made payments each month and the payments and balance is not being reported. Also the account is still being reported as closed. I received a letter from XXXX XXXX giving my balance on XX/XX/XXXX of {$720.00} ( I have made another payment since then ). But that amount is not being reported or my new payment or that the account is open. I received a call from XXXX XXXX stating that they are reporting the proper information to all 3 credit bureaus and that they corrected any errors. But my reports still show the same information. Account closed and balance of {$900.00}

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
On XX/XX/XXXX I sent certified mail XXXX to LexisNexis Consumer Center it was received on XX/XX/2018. Below is a copy of what I sent, LexisNexis has failed to respond or comply. 
To Whom It May Concern : Be advised this is a notice to inform that your public records information is disputed based upon inaccurate information, and validation is requested. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ), Responsibilities of furnishers of information to consumer reporting agencies. I have the right to request validation of the public records information. I am requesting proof that I am indeed the party listed in public records. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 U.S. Code 1681i, ( a ) ( 1 ) ( A ), Procedure in case of disputed accuracy. And the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) I respectfully request that your offices provide me with competent evidence that public records information is accurate.

Pursuant to the FCRA, Section 611, Paragraph ( 6 ) ( B ) ( iii ), Please provide the following : The name of the courthouse The address of the courthouse The person 's name the dispute was verified with at the courthouse The person 's telephone number the dispute was verified with at the courthouse The documentation used to verify the dispute with  the court The case or reference number The date this dispute was originally validated and verified with the court, BEFORE being furnished to the Credit Bureaus. 
Pursuant to FCRA, section 611 ( a ) ( 6 ) ( 7 ) you have 15 days to provide the requested proof. If you can not provide all of the request proof you must PERMANENTLY DELETE the information from your records pursuant to Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fed. XXXX ; and XXXX v. XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX. 
Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: US Military Loans, Inc.
State: NC

Complaint narrative:
Good afternoon, XX/XX/XXXX I finance the car the US military loans. At the time of financing the car I was told I would be able to take the car back to the United States when PCSing. I am being sent to a warrior transition unit due to injuries I sustained during XXXX XXXX in the military. I emailed US military lawns asking permission to bring the car to my new duty station. I was told by XXXX XXXX that I would need to sell the car back to the dealership that I purchased it from and I wouldnt be allowed to bring the car with me. I have never missed a payment or been late. XXXX  reasoning for not allowing me to bring the car with me is because of my DEROS this was not part of the contract. I sold the car back to deal at a lost of XXXX. I also put down XXXX at time of purchase I would have almost paid off all of the car after paying all this including my payments I have made. I want us military loans to refund me the XXXX down payment and pay off the remaining balance as they didnt honor their contract. I cant afford this I have to purchase a car now so I can get to medical treatment for my injury. I cant believe a company for the military would treat a XXXX like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This account was in forbearance but late payments from the end of XX/XX/XXXX-XX/XX/XXXX are reported. If the account was in forbearance there should not be any late charges reported on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC
State: VA

Complaint narrative:
Ever since XX/XX/2018, I have been charged monthly by National Debt Reduction Services around the XXXX of each month with {$270.00}. During the initial interview prior to charging me, they informed me that they will work with some of the companies that I have current debt with ( XXXX XXXX XXXX, XXXX, and XXXX XXXX ) to help significantly reduce the debt I owe them. They initially guaranteed that after 90 days, I would start seeing my debt from one of the companies become lower. However, it has been already 5 months, and instead of going lower, my debt has increased exponentially ( one of them has even doubled ). I also started receiving harassing calls from debt collectors on a daily basis ( sometimes even 4x a day ). I contacted them about this issue on XX/XX/2018 and they suddenly disclosed to me that they were waiting to reach a threshold amount so that they can begin negotiations with one of the companies, and that they are currently in negotiation with one of them. I am able to see my debt balance online with them, and I do not see this being reflected. I am highly suspicious that this may be a scam, so I would like Consumer Financial Protection Bureau to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
AMSHER Collection Services Inc XX/XX/2018. I asked them to validate this account and they sent a letter without valid verification. They sent no signature of mine, bill or statement. I have attached the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wallet was stolen with my ID, Social Security Card and debit/credit cards. They took a lot of money from my accounts including my bank account on XX/XX/18 for the amount of {$2000.00}!

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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2018 i filed a complaint with the CFPB XXXX XXXX ID XXXX XXXX about some fraudulent activity on my debit card. 

After disputing the transactions with my bank that they decided to only partially credit my account for these transactions. Even though I reported ALL of the transactions as fraudulent, and I also have new information. 

I believe that the person who stole my phone and my debit card, and who fraudulently authorized those transactions over the phone could have been an old babysitter. They knew my gate code ( which is also secretly the pin to my card ) and he had access to my personal belongings in the house while I was away.

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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened the checking and savings account for promotion bonus. 

It said " Open a new checking and savings account in the Citibank Account Package between XX/XX/XXXX-XX/XX/XXXX. Within 30days of opening your account deposit {$15000.00} New to Citibank funds into the checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. Get {$400.00} deposited to your account! '' I opened checking and savings account on XX/XX/XXXX with {$15000.00} deposit. 
I maintained this balance up to now. I called several times to Citibank and I still did not get the promotion. 
They kept saying different time period of 90 days. I want to get a promotion of {$400.00} and close all my account.

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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! 

Syncb/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 non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft and I have accounts in collections that are bringing down my credit and not allowing me to qualify for credit cards or home/auto loans.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC.
State: FL

Complaint narrative:
I have an account in collections that was fraudulently created. 

XXXX XXXX XXXX - XX/XX/2017 - {$75.00}

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 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
In XX/XX/XXXX, I paid off my auto loan. I can not see the XX/XX/XXXX transaction online. The banks online system indicates I can see XX/XX/XXXX, transactions but will not display the transactions. We are in XXXX and can't check to see if our title was returned to us. XXXX XXXX was purchased by FirsXXXX Tennessee Bank subsequent to me paying off the loan in full. In XX/XX/XXXX, the online banking systems were merged. The transition was done very poorly, and the system still doesn't work properly. On XX/XX/XXXX, we moved from XXXX XXXX XXXX, XXXX to XXXX XXXX, XXXX. I transferred the balance in my checking account to my new account and left the account open in case a direct deposit was made incorrectly. On XX/XX/XXXX, {$.00} for interest was deposited to our account. On XX/XX/XXXX, a direct deposit for {$53.00} was made to the account. On XX/XX/XXXX, our account was charged {$280.00} for a loan payment and {$37.00} for an overdraft charge. The charges were posted to our account without written or verbal notice that anything was due or that the bank intended to charge our account. This was done 10 months after the auto loan was paid off in full. On XX/XX/XXXX, {$25.00} was charged to our account. On XX/XX/XXXX, another {$25.00} was charge to our account. We were not notified our account was in an overdraft position, either written or verbally. On XX/XX/XXXX, I discovered the bank charges and contacted the bank to see what the {$28000.00} charge was for. They stated it was for interest on the auto loan I had paid off 12 months earlier. The bank did not provide any evidence or documentation. They removed the {$37.00} charge and the 2 {$25.00} charges but refused to remove the {$280.00} interest charge. There is no way the interest charge is correct. The bank can not charge interest on a loan that was paid off 10 months earlier and certainly not after the bank was purchased and merged into another bank. The merged bank has proven repeatedly that it is less than competent. This bank should be strongly censured.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
after using my wells fargo credit card, with no missing payments since XX/XX/2011. i am shook at the fact that it never got its graduation to a non money backup credit card. Now because of them placing a what they call a usual verification on a {$10000.00} check from my retirement account. i wasnt able to make a payment and after explaining this to wells fargo as the reason for getting off cycle. they claimed my account was closed, by me saying it was apart of the agreement to the securely back credit line. I wasnt the one asking to close this account, but wells fargo is seeing to mark in my report that i was. Also making 2 of my payment as 30-60 days late while showing the account as closed. im upset at the fact that i got this account to help with my credit while believing in the fact it wouldve gotten a graduation to a insecure account.

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 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
I'm sure, I am not the only person. But seek help through student advocate, which in- return set me up with equitable acceptance. I have been paying for a year and have only paid XXXX off on a " 24 month '' plan. 

Account History Amount Financed : {$1300.00} Contract Balance : {$1000.00} PDF Show entriesSearch : Date Description Amount Balance XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$16.00} {$1000.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1000.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$17.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} XX/XX/XXXX Interest Due {$18.00} {$1100.00} XX/XX/XXXX PAYMENT $ ( XXXX ) {$1100.00} And to find out that nothing has went to student loans and my student loans have actually went up {$600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation