vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
Upon examination of my credit report I found an item listed to   XXXX   XXXX    i n the amount of {$520.00}. I disagree with the item and so sent a letter via certified mail on   XX/XX/XXXX  requesting validation of the debt bearing my signature. Thirty-three days later they responded by sta  ting that the debt is valid but still failed to provide via ble evidence bearing my signature to validate the debt ( they instead attached a copy of a bill, which does not prove that the debt was mine ). Their failure to provide this information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not be validated.

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 2017-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In  XXXX    XXXX  , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same  day (     XXXX   XXXX   XXXX   ). No statement or account information was sent to us for the remaining balance of {$93.00}.  The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around    XXXX   XXXX   XXXX  . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via  US m ail on    XXXX   XXXX   XXXX  , wh ich we only received on    XXXX   XXXX   XXXX  .  I spent ov er 2 hours on the phone with different departments to close this account and asked to   speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I   had a car loan with   XXXX   XXXX   XXXX  , in  XX/XX/XXXX  the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to   XXXX   causing additional fees.   XXXX   received the payment in XX/XX/XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.
<P/>
For several months a tried to get this resolved, I was told by several customer service reps that   XXXX   does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.
<P/>
 XXXX  poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: PA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX, in XX/XX/XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to XXXX causing additional fees. XXXX received the payment in XX/XX/XXXX.When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. XXXX poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late, XXXX being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a car loan with  XXXX   XXXX   XXXX , in   XX/XX/XXXX  t he car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to  XXXX  causing additional fees.  XXXX  received t he payment in  XX/XX/XXXX .Wh  en  the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.     For several months a tried to get this resolved, I was told by several customer service reps that  XXXX  does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.       XXXX   poor business practice has errouneously reporte d incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days 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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Best Buy c redit card keeps ignoring my reports of fraud on my account. They keep making me pay for fraudulent transactions and interest. It started on  XXXX   XXXX   XXXX  with a purchase at Best Buy that should not have happened. They claim that I originally wanted to dispute the transaction ; this is false. The transaction IS NOT MINE!     Also, there are transactions in  XXXX  and  XXXX  of  XXXX  for  XXXX   XXXX  for   XXXX   XXXX   XXXX   XXXX   and several transactions between  XXXX   XXXX  and  XXXX   XXXX  for   XXXX   XXXX   XXXX   that are FRAUDULENT. They restricted my access to previous statements so I ca n't view the specifics.

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 2017-05-27 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Afte  r my chapter   XXXX   case was final as  of  XX/XX/XXXX .  my credit file was my first to take care of. I made contact with all of the companies to ensure they all had the proper information to resolve this issue. Equifax still shows an open account that is keeping my score from rising. I have given them all the information to correct this issue and to this date, they have n't repaired this problem. I 'm at a loss as what to do as I get the run around every time I call.
<P/><P/><P/><P/><P/><P/>
 XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   WA.  XXXX  Complaint Department   XXXX      XXXX   XXXX   XXXX   XXXX  , Texas   XXXX   Dear Sir or Madam : I am writing to dispute the following information in my credit file. I have named them attachments as follows. I am enclosing my entire chapter   XXXX   bankruptcy showing it has completed as of  XX/XX/XXXX  I would like to update my personal and public record with the enclosed final court file showing it satisfied.
<P/>
( 1 ) Attachment Enclosed you will find my entire court records for my Chapter   XXXX   Bankruptcy filed on XX/XX/XXXX  ending XX/XX/XXXX . Please reinvestigate these matters and delete or correct the items as soon as possible.
( 2 ) Attachment My personal information for update.
<P/>
  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi Im having trouble with CITIBANK.   I purchased a bed on  XXXX   XXXX   2017  on  XXXX  and paid to the seller *  XXXX    in the amount of {$280.00}. The seller never shipped the bed and I was refunded the total amount on  XXXX   XXXX , going back on my  MasterCard  ending in  XXXX .   It 's taking already 10 days and CITIBANK STILL NEVER PROCESSED MY REFUND.

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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened 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 non-monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
I unfreeze my credit on  XXXX  to apply for a house and this collection account shows up on  XXXX / XXXX / XXXX   one  day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an  XXXX  at work I could have paid this from.     Date Reported :  XXXX   XXXX ,  XXXX  Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC  XXXX   XXXX ,  XXXX  {$350.00} {$350.00}  XXXX   XXXX ,  XXXX  UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency  XXXX   XXXX ,  XXXX  INDIVIDUAL_ACCOUNT   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
For a couple of years I 've been able to exceed the max balance by {$2000.00} as long as the entire over limit balance is paid each statement. On either  XX/XX/XXXX  o r  XX/XX/XXXX  , I thawed my credit to apply for a personal loan with them which was declined. The main weighted reason for the decline was derogatory public information. I did n't know what this was so I checked my credit and there is a medical debt collections account for {$350.00}. Well, I had no knowledge of this debt and I 'm working to get it removed. I have received no written notice of debt and no one has contacted me regarding it  (  even from whatever the original company was  ) , it just showed up. Well, my card was over the limit ( but still within the grace period ) and they started declining charges a week later. When I called them they would n't acknowledge a grace period, would n't acknowledge a set grace limit ( which I had been told was {$2000.00} for me  XXXX .   I feel they are using the untrue collection information they obtained in the personal loan application ( through that credit pull ) and are using it against me on the credit card I have had in good standing for over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I never received a letter from this company about a debt i supposedly owe. I receive documents about my   XXXX   bill for  XXXX . I only had one account with  XXXX . This company   XXXX   XXXX   Opened  XX/XX/XXXX  is reaging my credit debt. I only had my one account which was in  XX/XX/XXXX . This company saying i open this in  XX/XX/XXXX  of this year. you can look at my inquiries and see i never applied fo   XXXX    services in  XX/XX/XXXX  nor   XX/XX/XXXX   nor  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is a follow up to complaint ID  XXXX  as I was not given an opportunity to respond to Chase 's last response to this complaint. This complaint is regarding a fraudulent appraisal used on a property (  XXXX   XXXX   XXXX ,  XXXX  Ohio  )  that closed in  XXXX  of  XXXX . In Chase 's response to this complaint they stated this loan paid off  XXXX  existing mortgages and I received {$38000.00} at closing and I benefited from this ( see paperwork attached ). The paperwork that accompanied their response were closing documents on a completely unrelated property in a different city that was sold in  XXXX  -  XXXX  years prior to the property listed in the original complaint. How they are connecting these  XXXX  is beyond me and demonstrates  Chase  's lack of due diligence and attention to detail.   XXXX  I have brought this inaccuracy to the attention of the person from  Chase 's Executive office assigned to this issue and they too were confused how their legal team g ot these  XXXX  transactions mixed up with each other and would look into. It has been several weeks since this conversation and my contact at  Chase  is now ignoring my phone calls and has not returned any calls for  weeks .   XXXX  As I understand it, the CFPB was established to help protect consumers from unethical practices of large financial institutions. I do not believe this issue is taken seriously or being handled ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.

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 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC
State: UT

Complaint narrative:
Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation