vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I opened a Checking Acct. with Wells Fargo Bank for the Advertising by SAME a {$200.00} BONUS to be PAID after 60 DAYs, I HAVE IN MY POSSESSION a VALID CONTRACT for SAME and WELLs FARGO is REFUSING to HONOR the CONTRACT, FALSE ADD, SCAMMING the PUBLIC, SCREWING the CUSTOMER, now 6 Mos. LATER they ARE STILL REVIEWING and RENEGING their CONTRACT, RIP OFF, USERY ... ... ... ...

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 2018-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
not sure why this is attached to my name

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX XXXX/Navient made up a fraudulent Tuition Answer loan application for {$15000.00} for the semester of XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX , XXXX NY. XXXX. Supposed applicant was a XXXX. Old XXXX working part time at XXXX XXXX. Stated income ( {$7800.00} ) was based on work experience of 2 months. No co-signer or co-borrower information was entered on loan application. Supposed loan application was received by XXXX XXXX on XX/XX/XXXX and  funds were released to college on XX/XX/XXXX. Check was supposedly mailed to college but they have no record of it. Also, student expenses for this semester were under {$500.00} because no tuition was paid ( father worked at college/no tuition for attending child ), student lived at home and commuted, book costs were very little. The college verbally stated that they would never have okayed a loan based on these costs for any student.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Last month a collection account from Transworld Systems showed up on my credit report. I've received no mail or phone calls from this company. I disputed it with XXXX  but never heard anything back.

Today, Transworld again reported the account to XXXX   and XXXX. I have no knowledge of this account and Transworld has never contacted me in any way, including sending a letter notifying me of their existence and therefore providing me with the opportunity to ask for verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Still an issue within Santander Bank on credit card ending in XXXX that they ( bank ) are reporting to Experian. This are a matter that been in dispute since year XXXX when same account were charged from 2 different Banks, at the time XXXX XXXXXXXX XXXX and Santander ( previous XXXX XXXX ) that  became reach an amount of {$3100.00}!!! 

On XX/XX/XXXX XXXX XXXX, a representative of Santander sent a letter that say ( I do write the citation ) " In reviewing this matter, you opened a credit card with XXXX XXXX XXXX ( XXXX  ), which is an affiliate of XXXX XXXX XXXXXXXX ( XXXX ), in XXXX. The servicing of the credit card was transferred from XXXX to Santander in XXXX. As a result, any information on your credit report prior to XXXX would be the responsibility of XXXX and / or XXXX " 1 - I believe XXXX XXXX not aware what she did state, how could you be so affirmative of that when I have a Statement from XXXX XXXX, its the XX/XX/XXXX statement from the Bank, I do have more statements. 
2 - I do have the doc 's that XXXX sent Credit Card attached. its all genuine docs from Santander, XXXX XXXX. 
3 - I don't know about XXXX, XXXX XXXX XXXX, and SantandeXXXX ( previous XXXX ) are what appear claiming money on Credit Report. 
4 - Your letter that state like " Santander wash its hands on this " well, not so fast. do you really think I were so XXXX throw lies to the air without proves? No, I'm not so easy, not at all!!! 
5 - XXXX XXXX don't say what you may think would be more easy for you, or I may ask, are you trying divert things without being doing the correct thing? 
6 - I do have a original doc dated XXXX, XXXX that state " 3 Payments Past Due ''. This statement are what should be appear on XXXX  Credit Report, its the fair Report to do before you come always within the usual stand " The credit card was charged off on XX/XX/XXXX and the debt paid off on XX/XX/XXXX. 
What XXXX in perfect mind would paid same account to 2 different Banks? ANY out there? 
I did paid when things were clear, I believe so many out there would not care. 

Honestly, I care how much this could affect the Bank reputation, I believe I had been sweet until now, BUT, I will always come with more proves if in any moment I felt there lack of interest to solve this ...

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 2018-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for and received a Care Credit charge card app 4 years ago. It allows up to 2 years promotional balance with no interest fee if paid off by end date. It is ( was ) specific to medically related charges only. I did get a renewal card again app 2 years ago and renewing was no issue The process to renew this card was simply sign the back of the new card and call the 800 number to activate. 
Several months ago I received a notice with a new card that told me to sign the back and activate as usual. I did so, thinking it was time for renewal again. There was the usual multi-page document enclosed which I BRIEFLY looked at and put aside. It said Care Credit on it so I followed their instructions. 
When I was about to throw out the paperwork, I noticed something unusual. It was a notice on the very back that said once you signed up for this, you could not change anything. As i panicked and read further, I saw that it was now a XXXX XXXX Care Credit card and no longer offered the promotional balance as with the original Care Credit Card. 
I immediately called the customer service number and was told since it had just been a matter of minutes, they would switch me back as I was such a valued customer. 
This never happened. They told me they would re-open the original type card with a new account number which would take about a week. After two weeks I called to report I hadnt received my card and they said they were unable to reverse the error. I now was stuck with a XXXX I did not ask for or want with a revolving account. A totally different kind of card than the original Care Credit. 
Both cards are identical other than the small double orange circle in the lower left. I never even noticed the symbol as I was used to the general appearance of my original Care Credit cards which is almost identical to this one And the bills also look identical. It doesnt even noticeably say XXXX anywhere on it. 
I believe this is so deceptive of both companies. I dont even understand how they can combine like that. The address for the bill is the same. Theres no particular caveat when you open the envelope ; its still the same look as with the original card.. I tried cancelling it but I have the promotional balanced still to pay. And they will not let me open another Care Credit that IS NOT a revolving card. 
These cards are 2 completely different animals providing a totally different type of service. It seems just another a bait and switch scam, Thank you for your attention.

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 2018-03-18 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: Credit Plus Inc
State: MA

Complaint narrative:
On XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
For your info I just recently put in a complaint for Mid West Recovery known as a  scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
my loan was with XXXX XXXX we received a letter from them stating the NationStar would be our new server. 
starting XXXX everything comes out of our checking account, being a modification i did not question why our loan was not going down. 
now i have applied for a new loan with XXXX and was informed that my payment isn't moving because i have been given a forty year loan through Nationstar we were never informed, my husband is XXXX and I'm XXXX we work part time we would never agree to 40 years even if i were 30 so if you can help me or guide me i so would greatly appreciate any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: KY

Complaint narrative:
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/XXXXand the mortgage was paid off onXX/XX/XXXX. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?

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 2018-03-18 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: CA

Complaint narrative:
Hi, On XX/XX/XXXX, a XXXX  store decievingly tried to sign me up for a branded credit card. That performed a hard check on my credit file that instantly lowered my score with all bureaus. I immediately contacted XXXX  and they admited to the wrongdoing, removed the hard check and and notified all bureaus. Following this, XXXX ( and I believe XXXX   too ) removed the entry some three months later. To this date, Transunion has not and on the call I had with them on Fri, XX/XX/XXXX, they lied that they can't remove the entry as they were not notified. I know that is false, as the other credit score companies already removed the false credit check. 

Transunion now wants me to obtain a letter from XXXX and send that to them as proof. I consider this request onerous and unecessarily complicated. 
I believe Transunion is affecting my credit worthiness with complicity and should compensate me for wrongly affecting my score for more than half a year. 

thank you for your help! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1. XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX was paid-in-full {$5700.00} as defined by the Bankruptcy Trustee.

2. XXXX can not agree that the account is paid-in-full and also claim a charge-off, ( see attached XXXX correspondence dated XX/XX/XXXX ). Amount paid to XXXX was made by the Bankruptcy Trustee not me.

3. XXXX is reporting the account Status as in a Payment Plan. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. This account is closed so how can the account be in a Payment Plan? 
4. XXXX is reporting the account as Account has been closed due to inactivity. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the account, ( elsewhere my Bankruptcy is reported as a public record ). 
6. It is not XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy.

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 2018-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got an text alert about suspicious fraud activities on my account on XX/XX/17 morning. So I called Citibank to notify them that I did not make the purchase and close the account and reverse any transactions right away. That person used my credit card to make purchase from XXXX, XXXX and XXXX. I was able to stop the items before they were shipped out from XXXX and XXXX.The item purchased from XXXX was a {$100.00} e-gift card which was used to purchase XXXX gift card. 

Three months later, Citibank charged me for that {$100.00} gift card purchase because XXXX claims that the XXXX gift card was delivered to my personal email address and was used. I have never seen that gift card email delivered to my email nor did I use it. I have already notified Citibank of fraud activities on my account on XX/XX/17 and they should have protected my right as customer. But they refused to reverse the {$100.00} charge of that e-gift card purchase and I have to be responsible for it now. I have spoken to the customer service and security department from Citibank and they treated me like I was the scammer, instead of a victim of fraud. 

That doesn't make any sense to me. What are the ID Theft and Fraud Protection Service for if Citibank can not monitor and protect my account from fraud activities?

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 2018-03-18 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I disputed the inquiries on my Chex Systems consumer report over 90days ago. The report still does not show a statement that I disputed these items by the consumer. Since this report does not have that missing statement it must be deleted. Also the report states that all inquiries will be reviewed from 90days to 3yrs. The report does not show what inquiries will stay for 90days or what inquiries will stay for 3yrs. With this confusing statement again all inquiries must be deleted.

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 2018-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
We were in the process of selling our home. I was in contact with the company due to the fact that we were having trouble obtaining a payoff. I informed the company that we were selling the home, I called and notified the company. I was told it was noted in the account. The closing attorney requested the payoff at the end of XXXX and because he did not get a response, I had to call and finally received a payoff. We closed on the home on XX/XX/2018 and the mortgage was paid off on XX/XX/2018. Regardless of my communication our credit report was hit. I am under the understanding that this will be on my credit report for 3 years. I want it fixed. I was in communication with the Mortgage Company. 
I did my part, it is out of my control when the check is sent to pay the mortgage, and the fact that the mortgage company did not provide us with the payoff. I notified them that we were closing on the home, and I do not feel I should be hit on my credit report because they were not able to honor my efforts. I explained that the reason for selling the home is that I did not have the money for the mortgage, thus why the issue. Also, they filed for foreclosure on the XXXX home. I received paperwork. We never missed a payment, we may have been late but made the payment within the month. I told them we were selling the home. How in the XXXX does that make sense?

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