vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I went to  XXXX  for  school an d at the time of attendance i was told i would have a Temp Credit loan through them, right around graduation i was told i owed {$5500.00} and i would have to start making payments to them after graduation, well a few weeks later i got a letter from a company called  XXXX  stating i owed them payments never signed up with them apparently  XXXX  owns them and sold my loan over, i tried working with them to lower the payment but was told since they are owned by  XXXX  they couldnt lower the payment since  XXXX   wont  agree on it than they sent me to " collections '' as i was told turned out it was a lie never was just a scare technique well i made a complaint and they finally agreed to lower the payment to {$25.00} a month, i thought this was odd since i dont ever remember signing a  MPN  for this place so i asked them to send me a copy and was told they didnt have to since this is a private loan through  XXXX  and i have to pay this no matter what, again thought this odd why do i have to pay a loan i never agreed on, i have not been able to make the payment in  two mon ths so they sent me a bill for almost {$600.00} i dont make that on a paycheck and with no MPN how can they prove this, all i want to do is put this in forbearance and these people wont help me they just want money i dont ever remember signing

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: I.C. System, Inc.
State: TN

Complaint narrative:
I have attemped to resolve this is sue with Credit Reporting Agencies and the comp anies included in my complaint.   Approximately 18 months ago I started receiving delinquent noti ces from I.C. Systems, INC.  {$890.00} and  XXXX   XXXX   XXXX  {$99.00} that 's located in Washington State for accounts opened in  XXXX  and  XXXX   XXXX  respectively. I advised them that I 've never lived in or visited Washington  State.  My son by the same name and obvious ties to my address was stationed in the  XXXX  there. I was advised in early  XXXX  by th e I.C. Systems INC.  and  XXXX   XXXX   XXXX  that the matter would be resolved and taken off my credit record.   AS of  XXXX   XXXX ,  XXXX , the incorrect information has not been corrected and continues to negatively effcet my credit history and score. Please advise.      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 2017-05-13 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: MO

Complaint narrative:
While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by   XXXX   XXXX   I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b  (  c   ) and a serous breach of my privacy rights.

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 2017-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp
State: TX

Complaint narrative:
My due dates are on  XXXX  of each month with a bank draft. The lending club in different occasions sent the payment on  XXXX  of the month which made my checking account negative. When I ask to stop taking the money earlier their answer was this was their practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
when     XXXX   XXXX   gave the  XXXX  business to  Citi ca rd, we believe they issues a card for the wrong number or they sent the wrong card or some  one  in the company is collaborating with the criminals to create a new account under my name but a different address ( have all the documentation ). After several months citi Silently closed the account and gave it a new account number and want to make me responsible for the debt My identity is compromised due to their negligence and we have been fighting and calling to find out how it was created and who was responsible and no body dare to say any thing except promising to take care of the debt. After several months of going back and forth we received an email that states they are wiling to give us {$21000.00} credit and few weeks later they send my name to their recovery department in  XXXX   XXXX  where they could not even understand our problem and resolve the issue.

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 2017-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
{$35.00} Refund due.  Amazon  refuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I took a loan out with   XXXX   XXXX   back in  XXXX  that was modified by the Federal Government. Then these recent group of companies hiding behind   XXXX   XXXX   are attempting to say I owe them money when this loan was paid off long ago and they know it. As a matter of fact   XXXX   XXXX   has recently been fined $  XXXX  by the  OCC  and I wonder if you can forward this complaint to them as well. The acting agent of   XXXX   XXXX   is  Caliber Home  Loans. I attach a copy of the complaint and they have been posting my payments to  Unapplied F unds and Escrow and not to Principal as agreed. In fact I had {$13000.00} in Escrow back in  XXXX  which were never applied to Principal.Thank you so much for your help.  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This is a follow-up complaint to CFPB complaint  XXXX , which I filed on  XXXX / XXXX /  XXXX  . The reason for this complaint now is that Bank of America failed to address the specific issue and questions I raised regarding its ownership status of my note and mortgage, so I 'll try again.     Has Bank of America, or any of its subsidiary or related companies, ever owned the note and/or mortgage that was used to finance and secure the debt on my residence?     The previous answer, sent in a letter from  XXXX   XXXX  and attached herein, only addressed whether or not BOA serviced the loan.     However, to be clear, I 'm now asking, pursuant to the federal law regarding 'Qualified Written Request ', if BOA ever owned the note and mortgage regarding the subject property.

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 2017-05-13 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:
Bought round trip tickets with  XXXX   XXXX  and the  XXXX   XXXX  cancelled  1st leg  of the trip last minute and we had to buy another ticket with   XXXX   XXXX   XXXX  for much more. We want to dispute the {$100.00} that we spent  XXXX   XXXX  for the round trip ticket that   XXXX   never fullfillled. We want refund from  Citi Bank Visa.

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 2017-05-13 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: ERC
State: UT

Complaint narrative:
I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily.     Also, A deleted account for {$2500.00} for  XXXX  reappeared even after the first dispute, they could n't verify the debt and it was  deleted.now it  reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Investigative Concepts, Inc.
State: ID

Complaint narrative:
The criminal investigation is totally wrong.What you see is only partial and the dates listed for the offense is wrong.In fact older than 7 years, which should be invisible to employers.   Information to be corrected : 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date  :  XX/XX/XXXX   Release  Date  :  XX/XX/XXXX   XXXX  Date :   XX/XX/XXXX   2 )   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date :  XX/XX/XXXX  Release Date :  XX/XX/XXXX  XXXX  Date :   XX/XX/XXXX  W hat the   XXXX   were,  1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) (   Washington State    )    XXXX     XX/XX/XXXX     XXXX   Date :   XX/XX/XXXX  rel ease dat e: XX/XX/XXXX  2  )   XXXX   XXXX     XXXX    XXXX   (    XXXX   XXXX   XXXX   ) (  Washington State  )   XXXX     XX/XX/XXXX    XXXX  Date: XX/XX/XXXX  release date: XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my   XXXX   XXXX    account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
When I did a home loan modification in   XXXX   at least 25 years was added to the length of my 30 year mortgage with an  XXXX  dollar balloon payment at the end.I feel like this is too much, I have lived in my home for 21 years and now I still have  XXXX  more years to go with a balloon payment.I feel like I have a double mortgage.

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 2017-05-13 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: MA

Complaint narrative:
I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

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 2017-05-13 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: MA

Complaint narrative:
I have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

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 2017-05-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent the company  XXXX  certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.

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 2017-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TMX Finance LLC
State: FL

Complaint narrative:
I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a XXXX balance. Also offered to open a new account. Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

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 2017-05-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a zero balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.

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 2017-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In order to provide you with the proof that reporting truncated or abbreviated account numbers constitutes reporting missing or incomplete information appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full and accurate account numbers and they MUST be removed immediately to avoid litigation : 1.   XXXX   XXXX   XXXX    XXXX  .... 2.  XXXX   XXXX   XXXX   XXXX   XXXX  ....   3.   XXXX   XXXX   XXXX   XXXX    XXXX  ....  4.     XXXX   XXXX   XXXX   XXXX    XXXX  ....     It is also proved in my investigation that by sending me account statements from the creditor does not dignify ownership.     I have provided through experian.com/upload a copy of my social security card and driver 's license.

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 2017-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.

Company response to consumer: Closed with explanation