vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: CO

Complaint narrative:
Penn Credit Corp calls daily at XXXX with an auto-call. I do not owe them or anyone money! They will not stop harassing me with their calls. When I do answer there is no one to talk to. I've lost control of my privacy due to these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: FL

Complaint narrative:
Have been disputing a hard inquiry on my credit report from XXXX XXXX. As of a few days ago a collection account was opened from XXXX. Again, I have never done business with XXXX and if the the dispute for the inquiry had been taken seriously I would not have a collection from them on my credit report. I have reported with Equifax, XXXX and have filed a police report. I want any information regarding XXXX and the fraudulent activity removed from my credit report. In addition an address of XXXX XXXX XXXX, XXXX, FL XXXX has appeared on my credit report which I can only guess is related to the other fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
- synchrony/XXXX XXXX charged off my account despite establishing payment arrangement and maintaining timely payments.

-synchrony/XXXX XXXX failed to report those payments directly debited from my bank account.

-synchrony/XXXX XXXX continuously withdrew monies from my account after charging off and selling my account to debt collector.

- They also pulled my credit for review in XX/XX/2018 after account was charged off.

-I filed dispute in XX/XX/XXXXwith XXXX  and XXXX in regards to matter. account was deemed verified and accurate.

-I attached proof of bank statement. 
- This has had a significant negative impact on my 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 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion Rep XXXX refuse to assist, I have been a victim of their Inquiry issue with the following inquires they are reporting the following inquiries I requested proof such as a signed document baring my signature she refused. Inquiries are as follows check into c DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX   XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX INFORMATIVE DATE XX/XX/XXXX XX/XX/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 2018-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I opened this credit card with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I used and then paid off the entire card and closed it within a year of opening it. In XX/XX/XXXX I requested the account be closed as it had been paid in full. The customer service individual who I spoke to assured me that the account was closed. I then found out there there had been a running balance since XX/XX/XXXX of {$1.00} that the interest builds up to. Again, this account in all intensive purposes was closed in XX/XX/XXXX yet I was still continuiously charged untill XX/XX/XXXX. The account is paid. The account is closed but because they never closed the account in XX/XX/XXXX upon request there is a slow payback report on my credit report which is negatively impacting 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 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The second mortgage on my foreclosed home was transferred from XXXX  to XXXX XXXX in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, XXXX XXXX is showing a new 90 days late payment in XX/XX/XXXX on my Equifax credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with XXXX and Equifax and have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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:
On or around XX/XX/2018, I disputed a credit card account with Transunion credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from Transunion that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a Transunion representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from Transunion regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.

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 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/XXXX, while filing income tax my mortgage interest statement listed a refund which was considered income in the amount of {$28000.00}. When I contacted CitiMortgage about this, I was told that I was overcharged interest from XX/XX/XXXX-XX/XX/XXXX, and that this amount was the refund and CitiMortgage decided to apply it directly to my principal instead of sending it to me. When I asked the supervisor why I wasn't given the choice, I was told it was CitiMortgage 's accounting practices and that this is how it worked. So, now my anticipated refund has become a unexpected expense all of a sudden that I was not prepared for. I consulted my attorney ( XXXX, XXXX XXXX   XXXX ) and sent them my mortgage documents that proved I should have been at the very least given a choice in the matter. My attorney wrote CitiMortgage a letter dated XX/XX/XXXX, requesting the refund on my behalf.

On XX/XX/XXXX, I spoke to another Supervisor at CitiMortgage named XXXX ( ID #  XXXX ) - He informed me that a case ( # XXXX ) was opened concerning the letter my attorney sent but was apparently closed on XX/XX/XXXX and he suspected it was because the case # should have started with a # XXXX ... and the " back office '' did not process the request because it was incorrectly put into the system. He then told me that he would send an email and to the remediation department and that he did in fact see my attorney 's letter in my file. 

On XX/XX/XXXX, I contacted CitiMortgage for an update on my case, I spoke with Supervisor XXXX ( ID # XXXX ) she tells me that because it's a weekend day, that she was limited in helping me, however, she did see that XXXX had since received a reply from the department he had emailed and that a case number ( # XXXX ) was assigned to my case and was sent to Special Loans on XX/XX/XXXX and expected to close by XX/XX/XXXX. She advised me to call during the working week and speak to a supervisor and to have my request escalated to the next level. 

On XX/XX/XXXX, I spoke with Supervisor XXXX ( ID # XXXX ) and requested an escalation to the next level supervisor. She kept me on hold for about 30 minutes and then kept insisting the amount was an overpayment and was applied to the principal. She said she was noting my account and she was going to have Supervisor XXXX contact me. To date, no contact has been made by Supervisor XXXX or any other supervisor at CitiMortgage.

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 2018-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is against Trans Union. A medical collections account was attached to my credit profile by error and 30 points was taken off my credit score. I worded with the reporting company to have the collections account removed from my profile and it was reported to all credit bureaus. I my credit score returned to normal for all but Trans Union. I contacted Trans Union customer service was told that my account was put on fraud alert because of this action and had to contact their fraud division to get more information on when my credit score would return. I reached out to the department via the number given and was hung up on when the phone call was answered. I tried to call back and got no response. My credit score was lowered 5 more points the following week and is now 30 points lower than the rest of my credit scores. I'm unable to get any answers from Trans Union on this matter that happened between XX/XX/XXXX. and XX/XX/2017. I know that I don't have the best credit but I worked to hard to rebuild 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 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank XXXX asks for information " or else '' they close the account. I call and visit the branch nd they say everything is ok. Then they block the account anyway without any notice and all my incoming wires are returned. 

I visit the branch and they tell me to go to a banker, the banker kindly takes me outside and puts me on the phone with customer service. Customer service tells me it's not them it's another analyst and that I have to wait, but that yes, they have received all of my information. 

I ask for names and they cover themselves so I got no names. 

Meanwhile, all of the wires are being rejected and they offer no solutions.

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 2018-07-05 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:
On or around XX/XX/2018, I disputed a credit card account with XXXX  credit bureau .

On XX/XX/2018, I received a notification that the debt was deleted from my credit file.

On XX/XX/2018, upon a review of my credit report, I find that the debt had been reinserted on my credit file, however, I did not receive any correspondence from XXXX that detailed the debt was being re-inserted and the reason for doing so.

On XX/XX/2018, I contacted a XXXX   representative and informed that the debt had been reinserted and that I had not been given notice within 5 days of the re-insertion of the debt. I requested for the item to be removed from my credit file due to the me not receiving statutorily required notice and that it did not belong to me. I was told that a letter had been sent and I requested proof because I did not received anything from XXXX  regarding a reinsertion. The representative offered to re-dispute but refused to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting the wrong date of birth which is causing me to be denied credit. I have sent the required documents that were needed to correct this incorrect information on 3 separate occasions by mail and by fax. Every time I call Equifax they say that they havent received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05 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: IL

Complaint narrative:
On my TransUnion credit report, I have information from another person included in my report. This is negatively effecting my report and my credit score is drastically different on TransUnion than it is on XXXX. I have spoken with TransUnion multiple times and they have been able to get things taken off my report, but they have not been able to permanently get the additional person removed from my report. I would like to be able to have this person removed permanently instead of having to get everything removed one at a time.

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 2018-07-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that.

My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened.

I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. 
I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. 
Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I applied and received a personal loan from Citi Bank. During the online process to receive a discount on interest rate you had to sign up for automatic debits at that time. It was not an option to receive discount if signed up at later date. I called Citi on XX/XX/18 to change the due date to a few days later due to if the XXXX fell on a weekend or holiday they would take the funds out earlier. I only get paid twice a month on the XXXX and last day of month so if the funds are drawn earlier than XXXX could potentially cause account to overdraw. For the change of due date I was advised that was not possible. The only option is to take advantage of the 10 day grace period, but I would have to cancel the auto debit and would lose the interest rate deduction given for auto debits. I think it is unfair to take the funds out prior to the due date. They have a grace period on the account and should take the funds out on or after the due date not prior. 

The second issue is that I have not received an email from the company since I was approved and wanted to know how to view my loan information online. I was advised the only way to view personal loans online is to attach it to your debit card. I do not have a Citi Checking account so that is not an option. Citi Bank is segregating customers and not providing the same access to their loan information unless that person also has a checking account with them. I have credit cards with them and was advised that only can access my personal loan information online with a checking account debit card. That is unfair as I should be able to view my information online and keep track of my information. Also, by not allowing me to view my information online if prevents me from making online payments to try and pay off my loan faster to avoid some of the finance charges.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
In XX/XX/XXXX, I moved from my home in XXXX. At the time of the move, I notified XXXX XXXX XXXX, which provided curbside waste collection, to close my account and provide final billing. I paid final billing. Years later, in XX/XX/XXXX, I was contacted by a credit collection service, XXXX XXXX, regarding an account which XXXX had sent to collection ( stating original amount owed {$210.00}, then due {$340.00} ). I spoke with Phoenix rep several times and provided proof of my communication to XXXX closing the account. They took in for review - and to my knowledge, closed the file, but I did not get confirmation of that. In reviewing my credit report, I see that this remains as a derogatory action on my credit report and wish to have this removed. Thank you.

Company response to consumer: Closed with non-monetary relief