milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I noticed an incorrect item when I received free credit report from Transunion. I contacted data provider ( XXXX XXXX ) immediately and data provider resolved the issue after reviewing the facts. Data provider notified me that data provider will take care of notifying to credit reporting agencies including Transunion. I called Data provider to verify and confirm that they have notified credit reporting agencies and data provider confirmed that all data has been updated with credit reporting agencies. I did not get any notification or revised free credit report from Transunion even after filing dispute with them. But another credit reporting agency, XXXX resolved the issue as soon as data provider resolved the issue. 

Transunion did not take any action on this even after I disputed this specific item online using their website XXXX 
1. I expected notification or revised free credit report from Transunion after incorrect information has been corrected. This did not happen. 
2. I expected an email notification from Transunion after I disputed this item. There is no notification from Transunion. 
3. I am checking the status online daily few times and do n't see any kind of update except that their target date is sometime in XXXX. 

When data provider and another credit reporting agency XXXX XXXX XXXX confirmed that they resolved these issues, why is Transunion not taking any action and why are they ignoring my requests or service provider updates? 

I hope practices of these credit reporting agencies will be reviewed and their standards will be improved to ensure that customer information is kept up-to-date with data providers. There is no need to waste consumers time for data synchronization issues between credit reporting agencies and data providers. I am hoping that Transunion will review data from data provider and take prompt action on this matter. It is really frustrating consumer experience dealing with issues like these that should have never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at XXXX. She declines to return my phone calls and will not respond to my letters. 

XXXX is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. XXXX card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted XXXX and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.

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 02/13/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/2018 I received written notification that my past due account had been turned over to a collection agency named Transworld Systems Inc for the amount of {$70.00}. I have not received any bills or notices of amounts due from the company listed on the notice ( XXXX XXXX XXXX XXXX ) I have no dealings with XXXX. I made two attempts to contact this company and was not able to get through, but rather went into a recorded queue which eventually put me into a voice mail box.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (I do not know) with Real Time Resolutions, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The dept is past the statue of limitations. The Collection Agency Real-Time Collections and the original creditor XXXX XXXX XXXX has the incorrect date of delinquent and payment default. I 've contacted all parties ( in writing ) in XXXX and XXXX.. most recently on XXXX including the Credit Bureaus XXXX and XXXX  with the correct date of payment default which is XXXX. No one will acknowledge or provide me with proof, just keeps stating the dates on file are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Astra Business Services (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Repeated calls from XXXX XXXX XXXX, each time I answered the call, they would hang up. After XXXX calls, I called back and discovered it was a collection agency. I asked what debt they were collecting and they said they could not find a debt linked to my phone number. They stated they would remove my number from their database. I checked my credit report multiple times with no debt collection indicated. Two days after the multiple calls, I received another call with a hang up from this number. I called back and they asked if I knew anyone by the name of XXXX or XXXX who could be reached at this number. I told them no and explained the situation from the other day. They continue to call my phone repeatedly during work hours.

Company response to consumer: Closed
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.

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 09/27/2017 about Debt collection (Private student loan debt) with National Enterprise Systems, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My original complaint is with XXXX - # XXXX regarding a student loan. XXXX response to CFPB and myself XXXX XXXX, they ask me to contact National Enterprise Systems, I received a letter from National Enterprise Systems , Inc. regarding a co-borrower release on this account ( s ) and to release me form obligation to XXXX XXXX in the amount of {$4000.00} by XXXX/XXXX/XXXX. " To take advantage of this tremendous savings to you, contact us today at XXXX XXXX XXXX XXXX. So I took the paperwork to my Credit Union for a Loan, and they suggest that I verify the information in this Letter. because I had on going issue with XXXX I am including CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT 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 11-11-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (AZ).
Issue: Managing the loan or lease

Complaint: Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.

Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: The bulk of my student loans are with the Department of Education and are currently in deferment while I complete my specialty training. However, there were XXXX minor loans through XXXX XXXX, which they sent to Campus Partners to collect those loans. I was unable to get a deferment for those loans, despite completing the paperwork ( no reason was given, just a denial ), and I contacted XXXX XXXX to make repayment arrangements that I could actually afford to pay : Campus Partners was demanding $ XXXX, which I certainly could not afford with my training salary. ( Campus Partners had tried in XXXX to tell me that I had to IMMEDIATELY repay $ XXXX in loans and tried to get my parents to sign an equity loan on their house to repay - or they threatened I would not get my XXXX. I contacted XXXX XXXX, and they intervened. I have attached the email to this complaint ). My problem is that I am repaying the loan on a schedule that I had agreed with XXXX XXXX in XXXX, but Campus Partners continues to provide extremely negative input to my credit report. I will complete the specialty training in XXXX XXXX, and will be in a better position to pay both my Federal and private loans ( Campus Partners ). Is n't there a way to have my credit report reflect my payment of the XXXX XXXX loans instead of the continued negative monthly reports??? Campus Partners is unbelievably unresponsive, and it is hard to believe that they are really a non-profit. Their collection tactics are aggressive and money-draining, including the exorbitant fee that they charge for online payments! 

Please help me! 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting incorrect & false payment history of this account, they are refusing to update and remover this item. I have submitted supportive documents from creditor. the creditor has reported different date to XXXX & XXXX which have removed / deleted the account off my reports.this account is having a negative effect on my credit. the account was first reported negative in XX/XX/XXXX, but they are back dating saying it was XX/XX/XXXX. this account has never been current since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (KY).
Issue: Late fee

Complaint: I had a check that was mailed and it did not get credited to my account until a month and 7 days after I mailed it. I assumed it got lost in the mail. I mailed them a XXXX check and when it cleared the bank, XXXX checks cleared the bank the same day. I contacted the credit card company and they credited interest back. I paid in full each time. The next month, they charged me interest again. I called and they credited interest back. The next statement, I mailed 7 days before it was due. It did n't arrive until 8 days after I mailed. They charged me interest and a late fee. I called and they would not credit back my late fee, because they said I had achieved too many courtesy credits. I cancelled XXXX credit cards I had with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am the parent who took out this  XXXX   XXXX   ( Navient ) p rivate loan for my daughter. They listed student without income as co-signor. They have been promising to remove her and have not done it. Now they want to run a credit check on me to see if I qualify to have her removed. This is ridiculous and unfair to me as the consumer. Please add this to your list of complaints and make part of the current lawsuit. On  XXXX / XXXX /   17  I will submitted the cosignor removal form and proof of my income. A total invasion of my privacy when the student should HAVE NEVER been listed as a co-signor.   XXXX  This bad practice almost cost my daughter the ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Grant & Weber (CT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.

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 05-07-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (IL).
Issue: Settlement process and costs

Complaint: My house was destroyed by a Tornado in XXXX, Ill on XXXX XXXX, 2015. Everybody involved has been great with the standard exception of Citi Finance. My insurance Company, XXXX XXXX issued me a check to begin the reconstruction of the house and since I still had a Mortgage it was issued in the mortgage company 's name also. Not being familiar with this process and not having any trust in the mortgage co. I wanted to know what the procedure was and why they had to have control of rebuilding my house. Which I still believe is none of their business as long as the property value exceeds the value of the old property. I went to their office in XXXX XXXX, Ill and talked to the Center Manager, XXXX XXXX. He called the office that was to handle the money. The name of the dept is Citi Escrow services Lost Draft Dept. He informed me that they would send me information after receipt of the check in the mail. And that further they would distribute the funds afterwards as needed. Well Now I am told that Contractors have to fill out documents and then a dispersal will be done at XXXX increments over the span of reconstruction. This is not what was explained to me. They lied just to gain access to the funds and are now telling me that is the procedure period. I have a house I need to demo. It is a hazard and has been sitting there since the XXXX and they could care. This company has a habit of enticing you into any situation they want.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my 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
Consumer complaint received 07/18/2016 about Credit card () with DISCOVER BANK (TN).
Issue: Payoff process

Complaint: Discover card allows users several options to make payment automatically on their website. 
1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reason behind this is we know it 's important if you 're paying in full to have the reported to the credit bureau every month on your cycle. This is set in place so that if something happens with the payment, there is still time to correct the issue before it 's reported. Please keep in mind the withdrawal date can be changed. '' They further indicated that once the payment is set up, after 90 days you can change the date, presumably to the " due date '' of your statement. There does n't seem to be any good reason why these XXXX would be treated differently. 

I think they are just trying to encourage people to only pay the minimum payment or some fixed amount rather than paying their bill in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.

Company response to consumer: Closed with explanation