vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
My initial loan was sold to Loancare LLC. I refinanced with XXXX XXXX. XXXX required escrow to cover my winter taxes, I informed them that Loancare had all the funds already to pay my winter taxes. I was assured by XXXX I would be receiving my escrow monies back from Loancare within 60 days. When I did not receive my monies, I contacted Loancare and determined they also sent a check to my township that has been sitting in their treasuries office for over 2 months. I contacted my township treasurer who stated a simple fax or email from Loancare stating the check could be released to me for the double payment of my winter taxes. I contacted Loancare and after multiple attempts they still have not completed this small task. They refuse to simply cancel the check and send me out new check. I am concerned that if my township sends the check back to Loancare, they will say they never received it and I will be continuing this fight for a long long time to get my escrow refunded to me. 
PLEASE HELP!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI 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 2020-02-11 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: Nelnet, Inc.
State: NY

Complaint narrative:
Dear FirtsMark/ XXXX XXXX, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported merchant for damaging my vehicle and Chase is reversing charges although it cost more to repair. XXXX in fraud claims on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I applied for XXXX XXXX. Over the phone. I was mailed out a chip to insert in my phone never worked. I was informed to take it to XXXX XXXX in XXXX Ga. the guy stated he could not help me was he keep the chip. So I got a phone thru XXXX. They keep sending me threatening letters and keep putting in my credit report. Prove to them never use the chip. I have sprint on that same phone and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
We applied with XXXX  to see best options for refinancing our house. XXXX  claimed we did not qualify with any of their customers. Then the phone calls started from Loan Depot. Loan depot has used XXXX, and XXXX. Loan Depot will call from one number then the other by computer generated calls. Have tried to get them to stop calling all day long from both numbers from around 8-10 times a day. When you press the number to be removed from their calling list they call a few minutes latter. They need to stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My ex- wife and I had a spousal consolidation. My ex- wife has paid get portion of the loan and it has been court ordered that I am responsible for the remainder of the loan. I wanted the servicer Navient to reconsolidate the loan due to the court order but they are unwilling to do so. My ex is no longer financially responsible for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Suspicious withdrawals were made from my checking account in XXXX. 
I have called immediately, and Citibank was prompt in refunding me the two charges of {$500.00} and {$240.00}, and locking the debit card and sending me a new one. 

However, just a month after when a similar thing happened where a charge of {$1100.00} was made at XXXX  store located in XXXX IL. You locked me out of account for several weeks and concluded that due to lack of evidence, I am liable for {$1100.00} that the thief stole. This does not make sense, because you are rewarding a criminal by legitimizing the fraudulent charge he made. Citibank has chosen to penalize a loyal customer for several years of Citi Costco card member instead of believing in my claim for my hard earned money. 

Here is some evidence you overlooked. 
On XX/XX/XXXX, I was staying at home. I can provide alibi for it by using XXXX XXXX Timeline which keeps track of my location in XXXX XXXX. There is not a reason for me to spend a DEBIT transaction at XXXX  in a different state from where I live. 

1. I have not used debit card since I've opened Citi checking account in XXXX. 
2. By checking my Costco Citi c.c. statements, you will see that I do not shop at XXXX  3. Nor have I made any purchase in XXXX 4. My address on the Citibank shows that I live in XXXX XXXX and most of my spending is at different Costco 's in XXXX XXXX area. 

Thank you for listening.

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 2020-02-11 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card reported I was late 30 days in XX/XX/2019 and XX/XX/2019. The late payments did not occur in XX/XX/2019 according to a representative but in XXXX. 
I reported that I had to change my bank account information due to theft of my check book. A few attempts were made y discover to pull out payment from the old account and payments were returned. Discover card policy states I have 60 days before late payments are reported to the credit bureaus. MY payment was received on the 60th day In which it was reported. 
I spoke to a representative and was told I actually have 59 days. This is not clearly indicated by Discover Card to its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit  bureaus

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were  reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus

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 2020-02-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear XXXX/ citi bank, Thank you for your request of my drivers license, however, it contradicts to the information you send over through CPFB. When I asked your firm to send over any supporting document to prove the loan belongs to me, you sent over a foreirgn passport indicating the loan belongs to a foreign student. I don't think a foreigner will have a US drivers license. I already told you that I'm a US citizen and I never lived in Texas, where according to your document, is the place the loan originated. Thus I have to believe that you don't have a drivers license on file for this alleged loan, and you have no proof that it belongs to me. Unless you can send over the alleged drivers license on file to connect this loan to me, I demand that your firm remove this fraudenlent information from my credit file within 5 business days you receive this. Otherwise I will sue you for punitive damages.

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 2020-02-11 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: NY

Complaint narrative:
I submitted a complaint before to request a fraudulent student entry from XXXX / XXXX XXXX  to be removed from my credit file, transUnion responsed XX/XX/2020 : We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have removed the XXXX XXXX XXXX XXXX # XXXX account from your TransUnion credit report. In addition, in your previous CFPB Complaint # XXXX, you referenced XXXX XXXX XXXX # XXXX ; therefore, the response advised you that that account is not appearing on your TransUnion credit report. The XXXX XXXX # XXXX account was not identified within that complaint. In order to protect your privacy, we have mailed an updated copy of your TransUnion credit report to the current address we have on file for you. You can expect to receive it in approximately 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX  XXXX XXXX  ET. For more information please visit our Frequently Asked Questions page at www.transunion.com/consumerfaqs. 
DESCRIPTION OF NON-MONETARY RELIEF We received your complaint about the item in your credit report, and apologize for any difficulty you may have  experienced. The XXXX XXXX account identified in your complaint has been deleted. 

However, today, when I checked my credit file again, the information was added back! What does transUnion do to protect consumers right?

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 2020-02-11 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX  has continued to report inaccurate fraudulent information on my credit file from Ally Financial for the amount of {$8600.00} I've last reached out to XXXX on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20

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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i recently opened a business checking account & chase credit card which chase recently approved it & now closed my account for no apparent reason & not disclosure at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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 has continued to report inaccurate fraudulent information on my credit file from XXXX XXXX for the amount of {$8600.00} I've last reached out to Experian on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20

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 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: KY

Complaint narrative:
Around about XX/XX/XXXX I received snail mail from XXXX in Florida stating it was writing regarding a google wallet balance I had in the amount of XXXX. It said the account had become ready to be escheated to my state treasury if I did not take action. I have a photo of this letter I received however my account number is too blurry to make out. It stated no activity on my account since XX/XX/XXXX. I can not recover my account because I do not know which email google account I had back in XXXX when I had my actual google wallet debit prepaid card!! I have tried to recover this account so that google could deposit my funds into a working active bank account. I have contacted my state treasury in XX/XX/XXXX only to find out I have no funds in my name. My question is to google payment corporation on why cant you all escheat my money to my state??? I think by replying to the snail mail that allowed google/XXXX  to keep ahold of my money and not properly turn it over. I am so frustrated its my XXXX and someone at google has to be able to locate it and tell me how to get my money back instead of telling me to attempt to recover my account. Help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
In XX/XX/XXXX our Hyundai leased car was totaled in an accident. Our auto insurance XXXX promptly paid the agreed upon value of the car XX/XX/XXXX. Hyundai then worked out the remaining value on the lease with the gap insurer. There was a remaining amount possibly owe. Still to this day unknown to us the lease holders because Hyundai has failed to send us a statement showing what is owed. Between today and when the gap insurer settled with Hyundai we've paid {$500.00} which is the equivalent of two monthly payments. Hyundai for some inexplicable reason deemed and reported our account DELINQUENT. XX/XX/XXXX we contacted Hyundai to address the DELINQUENT status however their customer service department is so chaotic we are still no closer to resolving this situation. We were told this delinquency will remain on our credit report forever even though we owe Hyundai {$0.00} and Hyundai admitted multiple times they designated our account delinquent by mistake. We have never missed a lease payment. Hyundai is refusing us access to our account history including payment history.

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 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Hit with an inquiry from XXXX National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. XXXX claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then Transunion tells you to contact XXXX ... .thus an infinite circle. Inquiry from XX/XX/XXXX. XXXX. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my TransUnion credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.

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 2020-02-11 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: UT

Complaint narrative:
Hit with an inquiry from SYNCB National Credit Cards/Airlines,  I do not have any relation to this and just like some others, I was given the run around. Synchrony claims they don't own the account and that it's a known error with XXXX XXXX. XXXX XXXX tells you to contact the credit bureaus and then XXXX  tells you to contact Synchrony ... .thus an infinite circle. Inquiry from XX/XX/XXXX. SYNCB. National Credit Cards/Airlines. XXXX FL XXXX. Last reported on my XXXX  credit report on XX/XX/XXXX. I Did not make this inquiry and i should not have to go through the hassle of fixing something that I did not ask for or inquiry about. If its a known issue from XXXX XXXX this needs to be resolved on its own.

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