vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I was a victim of identity theft with multiple local loan companies in XXXX SC. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple hundred thousand dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
These are the following accounts TransWorld Systems Inc/XXXX XXXX # XXXX TransWorld Systems Inc/XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX my Citibank MC was charged {$730.00} by unknown unauthorized user. This appears as BESTBUYCOMXXXX-BESTBUY MN. Citibank issued a credit of {$730.00} to offset the unauthorized charge.

XXXX   County, Colorado sheriff was able to recover the stolen goods obtained by unauthorized use of my credit card. Copy of the police report is attached. The recovered goods was returned to Best Buy on XX/XX/XXXX. Best Buy issued a refund of {$730.00} against my MC account. When I reported this to Citibank, Citibank removed Best Buy refund from my account under security write off -overrides and at the same time Citibank removed previously issued credit for unauthorized charge. Citibank is now trying to collect a duplicate payment of {$730.00} from me for the unauthorized charge which I refused to pay for the following reasons : 1. Citibank was already reimbursed for the unauthorized charge by the refund from Best Buy ( copy of the Best Buy refund receipt attached ).

2. {$730.00} is unauthorized charge which I did not approve and contractually I am not responsible for.

Meanwhile Citibank added additional interest charges for unpaid unauthorized charge of {$730.00}, resulting in balance of {$750.00} as of XX/XX/XXXX.

I contacted Citibank 4 times in XX/XX/XXXXand sent 2 letters on XX/XX/XXXX and on XX/XX/XXXX to Citibank Customer Service requesting to correct my statements. I have received no replies from Citibank.

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 2018-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is the second complaint I have filed about Wells Fargo 's online banking system. I use Wells Fargo only to pay my private student loans. Their online system will not allow you to schedule a payment for a future date. I believe this system was created with the intention of keeping people in debt for longer than necessary. No other online banking or loan system that I use prohibits customers from scheduling payments in advance. 

The last time I complained, my online account - which again, I only use to pay my student loans - showed a record of someone applying to refinance a mortgage online via my name. I did not do this. I called and asked for more information about how to protect myself from fraud, but was told to just change my online user name. Their fraud department did not take this seriously and said they could not see the transaction on their end. I am still fearful that my account has been used for fraudulent purposes.

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 2018-03-30 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: TX

Complaint narrative:
IM A VICTIM OF ID THEFT, THERE ARE SEVERAL ITEMS ON MY REPORTS THAT IS NOT MINE OR I HAVE ANY KNOWLEDGE OF, I HAVE MY POLICE REPORT SENT IN ALONG WITH MY COMPLIANT FILE, PLEASE REMOVE IT ASAP ... ITS AFFECTING MY CREDIT. I CAN BE REACH AT XXXX ( CELL ) I CAN BE REACH AT ANYTIME ..POLICE REPORT NUMBER # XXXX XXXX ALSO SENT HARD CARD OF POLICE REPORT TO CREDIT COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Dear Sir or Ma'am, Please cfpb Identification numberXXXX of XX/XX/XXXX did not address $ XXXX.of 4 payments submitted after XX/XX/XXXX being applied based on history of my payment summary provided from Mercedes Benz Financial of XXXX Texas . 
Also Requesting charge off be removed contract was paid. 
I would like to provided a corrected summary of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: AK

Complaint narrative:
After receiving a notice about a debt, I requested validation. I was sent a computer print out of a letter written by this collection agency claiming the debt ( a computer print out is not validation. ) I was also sent statements that no where does it say that it was sold or transferred and it just shows my payments and dates. I requested validation per my consumer rights, and this company failed to obliged and went against the Fair debt practice act violating my rights. 
Amount : {$1100.00} Reference 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 2018-03-30 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: TX

Complaint narrative:
cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved

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 2018-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 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: TX

Complaint narrative:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, 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 2018-03-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXXI have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-03-30 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: AES/PHEAA
State: NY

Complaint narrative:
I was late/not up to date with my student loan payments for a period - 90 days. A deferment/forbearance was granted and applied retroactively covering the time frame i was late on my payments.

Section 623 of the Fair Credit Reporting Act governs the responsibilities of furnishers of information to consumer reporting agencies. Specifically, Subsection 623 ( a ) ( 2 ) imposes a '' [ d ] uty to correct and update information. '' This deferment has changed TWO things. First it has brought the account up to date and current on payments. As a result the account is no longer delinquent.

Second and most important the lender 's records now show that my account is current on payments for the periods that include previously reported delinquent periods. Now this is key. It is important to note that as of now with theupdatedinformation your account is current with the lender. It is no longer delinquent because the deferment was applied retroactively.

As a result the furnisher of information has a duty under Section 623 ( a ) ( 2 ) to provide thisupdatedinformation to thecredit bureauand credit bureauis obligated under Section 607 ( B ) to report thisupdatedinformation on the consumer 's credit report.

XXXX   agent tried to argue that i was in fact late therefore that information is accurate. However i reminded him of their obligation pursuant to Section 623 ( a ) ( 2 ) a duty to correct and update information.

XXXX failure to understand that their current records show that the periods that were initially reported as delinquent are no longer delinquent due to the retroactive deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/2017 All listed below are the rest of the agencies that ran a credit report without my authorization from XXXX XXXX XXXX. One agency was able to prove that another person was using my Social Security number. Other agencies I have contacted have resolved this matter except these agencies listed below.

Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no clue about these agencies and sure enough never got a letter from these places to why they are on my credit report. All dates leads back to XXXX XXXX XXXX ran on the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.

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 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I updated my information. The debt was charged, paid off years ago. I paid off the credit card myself. I am no longer employed now for 7 years. They say on the site i am still working which is untrue. I dont live at those addresses on the site, they say i do. The information is all untrue. Please remove the old debt off of the credit bureaus from all three. XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I became aware of a 30 Day Late derogatory mark on all three of my credit reports ( XXXX, XXXX, XXXX  ) on a loan I am the cosigner on held by XXXX XXXX XXXX for the month of XX/XX/XXXX. The loan was paid on XX/XX/XXXX in the amount of XXXX dollars before the due date of XX/XX/XXXX. I alerted XXXX  ( XXXX XXXX XXXX ) of this error on XX/XX/XXXX via their live web chat customer service portal. The agent explained that there was nothing he can do, because XX/XX/XXXXhad 31 days in the month the payment was still late despite the actual due date on the mailer being XX/XX/XXXX. I explained to the agent regardless of XX/XX/XXXX having 31 days in the month that the payment due date on their mailer stated XX/XX/XXXX due date, as long as the payment was submitted before this date the derogatory mark should never have been placed on our credit report. The agent held firm to his position which is why I have engaged the CFPB to assist me in arbitration with XXXX  ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.

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 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX just kept making errors in calculating the P & I payments they deducted directly from my bank acct, they were doing right for the first 2 months, until I paid $ XXXX to the principal, and again another $ XXXX  to the principal, and since they kept making the XXXX   up errors!

I sent them emails to ask them to correct it, w/ my own calculation based on the mortgage calculator, still, the people there didn't listen, and I do want to pay them off, at the correct amount of loan I took from them, not the numbers they showed on the statement, and I put a stop to my local bank for the new loan to pay them off, not to pay XXXX  until they come up w/ the correct number I made for them to follow. Correct numbers!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Where to begin.. Once again " fees '' XX/XX/XXXX-XX/XX/XXXX BB & T once again had system issues that not only prevented me from making a deposit at an ATM but caused my on-going direct deposit not to post causing an adverse effect on my auto pay accounts resulting in additional fees. XXXX  bill {$73.00} XXXX   presented with XXXX balance after {$2.00} deposit only to be returned with {$36.00} check fee from BB & T and on XX/XX/XXXX {$30.00} return check fee and disconnected services at {$6.00} per times 3 from XXXX.. Equal {$48.00} plus {$10.00} late fee makes {$58.00} request back.XX/XX/XXXX XXXX  {$100.00} on auto pay only to be returned due to direct deposit not posting and updates by time of presentation and XXXX fee grand total.. {$88.00} in fess due to BB & T system failure.. XX/XX/XXXX dated letter to close account within 10 days was postmark XX/XX/XXXX and rec 'd XX/XX/XXXX certified mail and XX/XX/XXXX locked out of my account including my direct deposit XX/XX/XXXX with pending transaction {$60.00} for XXXX   initiated on XX/XX/XXXX..

XX/XX/XXXX the branch mgr returned me the available balance minus and a written scratch note of pending items ( however these items had already been paid ) except that $ XXXX..On XX/XX/XXXX I was able to retrieve my direct deposit minus the {$60.00} for said pending transaction of {$60.00} and yet today XX/XX/XXXX item not paid with a return fee.. Tell me how? Plus I have two merchant credits.. HELP ME

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 2018-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services
State: CO

Complaint narrative:
I am no longer able to log in to see what I owe, when I owe it by, what the interest is, or access my account at all. This occurred ever since ACS became Conduent. I am in the dark.It keeps saying that " there is no data for the social security number entered ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: FL

Complaint narrative:
Ive Tried To Write This Company Twice Too Dispute These Collections and Have them Removed Ive received return too sender from this company!!! I cant dispute when this company address doesnt exist please remove off my XXXX credit report!!!

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