vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: CL Holdings LLC
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : JEFFERSON CAPITAL SYSTEM {$9300.00} Open balance XXXX  XXXX XXXX XXXX   Original creditor XXXX  Opened XX/XX/XXXX JEFFERSON CAPITAL SYSTEM {$2300.00} Open balance XXXX  XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank , N.A . closed my Costco Anywhere Visa based on inaccurate, faulty information. Citi customer service as well as management stated their decision was based on information received from XXXX, the credit bureau, which according to citi the report showed a delinquent credit card in my name and managed by Citi. I communicated to Citi I had no other credit card issued by Citi. I asked for Citi management to review my credit, which I had to provide and which showed no discrepancies, delinquencies, or derogatory information as of XX/XX/2020. I communicated, called Citi almost on a daily basis for about 3 to plead for someone to review their erroneous decision. I informed them that my employment is contingent on my clean credit, but my pleads were ignored, refused because once a credit decision is made, citi does not retract their decisions. Now my credit report shows CITI credit card closed and it now contains derogatory information. The closing of my Anywhere Costco credit card reflects badly in my credit report and therefore in my employment. I am very careful about my credit ; I pay the entire statement at all times and its even set up to be paid automatically to avoid any lateness or fees. 
Citi informed me that the only recourse available to me is to re-apply for the credit card or file a formal complaint. I will not apply for the credit card because I have no delinquent credit card.

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 2020-03-18 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: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$9300.00} Open balance XXXX XXXX XXXX XXXX   Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX   XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-03-18 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: Capio Partners, LLC
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : ASSETCARE LLC {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility IndividuaXXXX Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Premier Auto Credit
State: CA

Complaint narrative:
I bought my truck in XXXX of XXXX. I provided the insurance to the dealership as you always have to to be able to drive off the lot. My truck stayed for a week to get some repairs. I am being charged with LDW fee for that month. I was being charged an LDW fee for 26 other months but have shown all my declarations to get them finally taken off after I have been reaching out since XXXX of XXXX vis email and no one who respond. I got a statement in the mail on XX/XX/XXXX for my last payments. It said I owed XXXX. That was with the 26 months of LDW fees at XXXX each. I paid on the XXXX of XXXX XXXX because according to my credit report that's what I owed. I sent more emails and got nothing from them. Well I got a call on the XXXX of XX/XX/XXXX and she was telling me I owed XXXX I asked her why I was recieving the LDW fee when I have had insurance on my vehicle the whole time I have owned it. She told me to prove it. So i did on all but the first month I had the vehicle. She the said I still owe money from when they repoed my vehicle on XX/XX/XXXX. I then told her that my contract stated that my I had to be 15 days late to put a repo order out and I was only 2 days late when they repoed it. That the manager at the time told me that the repo fee was waived as they took it with no rights too. It was paid in full by XX/XX/XXXX. My bill was due on XX/XX/XXXX. I have screenshots showing that I was only 4 days late when I paid the bill. I was left without a vehicle for 4 days because they took it. They have now called me today to tell me that I owe XXXX and I need to pay that to get my title. According to my statement on XX/XX/XXXX I owed XXXX. I paid XXXX to them on XX/XX/XXXX and now paid them XXXX today XX/XX/XXXX. From my statement I have overpaid. They seem to keep adding more fees and not willing to send me a statement and nothing is available to see on my online account with them. They send me emails but wont respond to me at all. Most of the time they wont let me record the phone calls so I can have proof of things. If I tell them I wont let them record me because they dont save anything they tell me they won't talk to me. They send me one thing in writing and another thing on the phone. I have spoken with XXXX XXXX on XX/XX/XXXX and XXXX. Today I spoke with XXXX XXXX who would not transfer me to her supervisor. She told me to text him or email him my stuff and I have. His name is Mr. XXXX. I have emailed both of them all the breakdowns and showing proof that they repoed my vehicle being 2 days late. I am at a stand still with them because they seem to add more money to my account and I keep paying what they say and then they wont send my title. They wont out anything in writing and I just cant trust them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My relative from XXXX received a job over XXXX. He was supposed to receive {$850.00} in check and there were 2 other persons who were supposed to get {$1000.00} and {$1100.00} for the job. I received a {$2900.00} check and I was instructed to send {$1100.00} to XXXX through XXXX and {$1000.00} to XXXX through XXXX. The rest {$850.00} I was supposed to send to my relative in XXXX. I deposited the check in my account and the money was available in my bank in next business day. I sent out all their money and ended the business with them. The whole thing was jest a courtesy towards my relative. The next moring i logged in and discovered I owe the bank more than {$1100.00} and the check was bounced. I went to the bank and they discovered it was a fraud check and I've to pay them. My relative contacted me and he said he doesn't know anything about the whole scam thing. I'm a XXXX  XXXX  and XXXX and this huge debt over me was unexpected. It's about {$2000.00} gone from my account and left me with around {$1000.00} debt to my bank. I'm in a big debt because of the scammers. The name of the bank in the check was XXXX XXXX XXXX  and in the very top the address was 'XXXX  XXXX XXXX ~ XXXX XXXX XXXX XXXX XXXX~ XXXX, fl XXXX ' I do have the screenshots of the sent money on 2 different XXXX  accounts in my phone. I really believe getting the bank accounts connected to the XXXX  accounts of XXXX and XXXX is good enough to get me out of the scam and get me my money bank. I'll really appriciate if the CFPB takes all the proper necessary steps to help me get out of the situation. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an  updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: SC

Complaint narrative:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
XX/XX/2020 I have applied for a mortgage refinancing with XXXX XXXX, On XX/XX/XXXX I received a credit score from XXXX XXXX  from XXXX  stating that my credit score is XXXX however my XXXX  account states that my credit score is XXXX. My credit score is damaged because of the following error by Nationstar : Nationstar reported two missed mortgage payments but these are in error which Nationstar refuses to acknowledge. My escrow at Nationstar was calculated incorrectly because of errors in how they escrowed my account. I had a homeowner 's policy at XXXX. XXXX issued the wrong policy and Nationstar paid for the policy out of escrow. I had asked XXXX to change my homeowner 's policy to a less costly one however they failed to do so. By the time XXXX issued the new policy Nationstar paid for the new policy a second time. Therefore, my escrowed showed two payments and Nationstar refused to fix it and said that I had to wait until their adjustment period in XX/XX/2020. 

I was unaware that Nationstar and XXXX had erroneously issued and paid two policies. This happened over a several months. I learned by accident when I paid my mortgage on time. I got a notice that the mortgage amount had changed and I needed to pay more which I did immediately after learning of the error. When I inquired about the change in escrow I learned that Nationstar had paid for two homeowner 's policies in error. I also did not know that even though I paid my mortgage on time that Nationstar issued a credit event for missed payments? I did not miss a payment I did not know that the error they made in my escrow account had resulted in credit reporting errors until after my credit was damaged. I disputed the errors but Nationstar refused to take responsibility for the error. XXXX  was also not helpful in this matter resolving my disputed item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TN

Complaint narrative:
I had my discover credit card for a longtime now. Paid on time always never late. I havent used it in a few years and out of the lie I got a notice saying it was being closed. I called discover and they said I needed to reapply which makes no sense if they wanted me to use the could has let me know and given me a chance to do so before just closing the account :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: CO

Complaint narrative:
Lending Clubs customer service representatives have misapplied three different payments that I made over the phone to my balance and not the payment due. Each time I have called to make a payment I clearly told the customer service representatives that I was calling to make a monthly payment. They would take the payment and then the following month I found out I was being reported as 30 days deliquent to the credit bureaus. 

The payment system Lending Club has in place is atrocious. I have tried to resolve this with them countless times. The last call I had with a supervisor regarding this back in XXXX I was assured that the late reports would be removed from my account and that in fact I was now a payment ahead and not ever behind. 

The supervisor informed me that they had reviewed the calls and they verified that every time I called to make the payment prior to 30 days late and clearly stated I was making a monthly payment but each time it was not applied that way and I was reported as 30 days late. I am so frustrated with the practices that they have had in place for payments. The supervisor I spoke to in XXXX not only assured me that the late reports would be removed but they also indicated that this was a huge training issue across the board and that Lending Club was in the process of changing the entire way they take payments. 

This is my third loan with Lending Club : I have NEVER had a late payment until my identity was stolen and I had to close the account I made my automatic payments from. In XXXX of 2019, my identity was stolen and my checking and savings account were comprised causing things to overdraft and me eventually have to close the account all together. I contacted Lending Club right away and set up a new account to draft my payment from and was told it was all set. It wasnt until almost XXXX that I realized that the payments werent being taken out and was then told that they couldnt withdraw from a savings ( only after I called ). This was never told to me when I provided the account information. Once I discovered the payments werent being made I made a double payment in XXXX to catch up on the payments as quickly as I could and that is when they began to report me as 30 days late. I began making all of my payments by phone after that and this is when I realized that this was an on-going issue with Lending Club and it was done again in XXXX and XXXX. 

I have written Lending Club letters on in XXXX, XXXX and XXXX. I have spoke for hours on the phone with representatives and supervisors and despite telling me it would be corrected it hasnt and it has been detrimental to my credit.

Company response to consumer: Closed with non-monetary relief