vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX   XXXX   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion,    XXXX   and  XXXX  will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over  XXXX  days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   - -   XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   - -   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Delete all my unauthorized inquires from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK- I made an online payment XXXX from my Bank ( as per normal practice many times ) - date- XXXX XXXX 2017. For some unknown reason Citibank did not apply those funds to my CC statement. YET- it was taken from my bank - I have all the transaction ID 's to show for this. Yes- there were sufficient funds in my bank account.YES they sent me an email confirmation. After NUMEROUS calls and on-line chats- Citi have not explained why the funds were not deposited to my CC nor can they can confirm where said funds are. One call agent advised it has definitely been returned to my bank on the XXXX but it has n't. I am getting conflicting reports on where the XXXX is or why indeed it was not accepted. I make these payments via this online system every month since joining Citi Credit Card.I reported this to XXXX but they insist no money has been returned and the XXXX was paid to Citi via ACH on line payment and i have to fight it out with them. As of today 's date XXXX/XXXX/2017 my last chat online advised ( brief version ) replies with another conflict of information " Citi will tries to pull the funds for the three time from your checking account -we have placed a hold on this payment until it has cleared the bank. We expect the payment to clear and post to your account on XXXX/XXXX/2017 ''. REALLY!! how can they hold my funds in Limbo for over 7 days? and am I to really now wait ti see if it magically appears on the XXXX XXXX. I am somewhat appalled, frustrated and upset with this situation. Any advice would be most appreciated. THANK YOU

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 2017-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Furnished unverfied reports to credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I 'm a customer with Navient , the Largest student loan servicer ; which in this case it has harmed me more so than helped me as the borrower throughout the repayment process. With having to do forbearance over a period of time, it literally made my small loan turn for the worst with owing nearly five times of what I borrowed. The company has failed to admonish myself about other payment opportunities that would be suitable for my situation, yet along explain the process of how false leading forbearance may be with add ing more interest to the loan. For which so, I 've been taken for granted and wish to look into lawsuit actions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I looking over all  XXXX  of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation.   Section  609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all ite   ms that need to be deleted. The reasons why these items should be deleted are indicated below : 1.  XXXX   XXXX   XXXX   #   XXXX   Never don business with this company error please delete.
2.  XXXX   XXXX   XXXX   #   XXXX   This was discharged in Bankruptcy and is listed wrong please delete.      3.  XXXX   XXXX    #  XXXX  This account was paid and is listed wrong error please delete.   4. XXXX  #   XXXX   This account was  discharged in  Bankruptcy error please delete.    5.  XXXX   XXXX   XXXX    #  XXXX  This account is FRAUD I have never had a credit card with this company ever.    6.  XXXX   XXXX   XXXX     XXXX   XXXX  This account is listed wrong and dates and status are wrong please delete.    7.  XXXX   XXXX    #  XXXX  This account was never verified please delete.

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 2017-05-05 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: OH

Complaint narrative:
I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of  the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.XXXX XXXX XXXX # XXXX Never don business with this company error please delete. 2.XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. 3.XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. 4.XXXX # XXXX This account was discharged in Bankruptcy error please delete. 5.XXXX XXXX XXXX # XXXX This account is FRAUD I have never had a credit card with this company ever. 6.XXXX XXXX XXXX # XXXX This account is listed wrong and dates and status are wrong please delete. 7.XXXX XXXX # XXXX This account was never verified please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citimortgage Loan  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I lost my job in  XXXX  and fell behind on payments. I immediately reached out to Citi after the first month to let them know what had happened and to ask what I can do to stave off foreclosure or late fees that rack up etc. Any help at all. I was told that I could n't even talk about anything until at least  XXXX  months behind. Counter intuitive in my opinion.     I waited the  XXXX  months as instructed and reached out again. I was told at that time the house would go in to foreclosure. So, as I stated, I tried a month out to make arrangements and then they said foreclosure would start. I was not offered anything on the spot, rather I was told to send in paperwork and a package was mailed to me to fill out and include tax returns, pay stubs, letter of hardship, etc.     The first package was faxed to  XXXX   XXXX  on  XXXX / XXXX / XXXX , then again  XXXX / XXXX / XXXX  and again  XXXX / XXXX / XXXX . I was never in contact with her again, and emailed her each time I faxed for confirmation and was never spoken to again. I got nothing else in the mail and was ignored.     The second contact was initiated again by me, I emailed and then spoke on the phone to a  XXXX   XXXX  and he set up a conference call, which I had to cancel due to getting an interview for a job. I attempted to contact him  XXXX  more times and we never spoke. I never heard from him again. Dates :   XXXX   sent another packet of paperwork.     The third contact, again initiated by myself was to a  XXXX   XXXX  who I spoke to on the phone after calling on  XX/XX/XXXX  we also had an email exchange   XXXX   and  XX/XX/XXXX . Got no other reply, no request for paperwork, no offer for assistance at all.     A year went by and the amount hit my credit report as a write off on   XXXX   XXXX   XXXX  , still no paperwork concerning foreclosure and to this date the house is in my name, accruing taxes in my name and I do not have any deed or any other documents. I have left the area to find employment and now work in NC, however the house is vacant and I am highly concerned about squatters looters and vandals. I have no information whatsoever in order to tell the city about what is happening after they have called me looking for answers.     I reached out again to  XXXX   XXXX  on  XX/XX/XXXX  and  XX/XX/XXXX  via email after getting her on the phone and I never heard from her again.     This has been excruciatingly painful and has damaged my credit to an extreme amount. I have reached out time and time again and have been ignored. I need answers and help here. I feel completely wronged by 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 2017-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX  BOA Case numbers :  XXXX   XXXX   XXXX  Bank of America declined to refund these  XXXX   erroneous cha rges from  XXXX  totaling  XXXX  or {$160.00}.     BOA asked for a copy of the cancellation : I have no copy of a cancellation. No merchandise or service was delivered. The booking still shows up on their website but I have no physical ticket to return.     BOA asked about my attempts at resolution : The transaction was done entirely online so I had no personal contact with anyone from  XXXX  during the booking process. I attempted to cancel the incorrect booking many times beginning the following day,  XXXX   XXXX    XXXX  . ( Within  24 ho urs of their email. ) I called their customer service number for the  XXXX  at  XXXX   XXXX . I do not have all the names of the numerous representatives and supervisors I spoke with throughout the next weeks. ( They offered only first names. ) The response of each person was only to repeat what it says on their website.   Re-booking charge :    XXXX   XXXX    plus fare difference Refund not possible note : I fully understand the policy of non-refundable fares. However what they are offering to deliver is not what I ordered. ( For example, if I ordered a non-returnable refrigerator online - and the merchant bills me for a television - I would not accept it! ) BOA asked me to describe the specific problem : I attempted to purchase from  XXXX   two  one-way airline tickets from  XXXX ,  XXXX  to  XXXX ,  XXXX  for  XXXX   XXXX ,   XXXX  , and because they were less expensive I scrolled to, and chose  XXXX   XXXX ,   XXXX  . Checking their website the following day I found reservations were mistakenly listed for travel on  XXXX / XXXX /  XXXX   (  XXXX  for  XXXX   XXXX ,   XXXX   ).   I called  XXXX  immediately to ask that they correct their error . ( See results above ) Our  international flight from  XXXX ,   XXXX   to  XXXX ,  XXXX  does n't leave until  XXXX   XXXX ,   XXXX  . We will still be here in  XXXX  on the date they have reserved.   Thank you,  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 2017-05-05 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am writing to your agency in hopes you can help me with my disputes. I opened a claim on  XXXX / XXXX /  XXXX   for the charge of {$2500.00} from   XXXX   XXXX   made on  XXXX / XXXX /  XXXX   on my  XXXX  credit card and I still didnt hear from them on what happened with that. Please help me find out what was the outcome. I opened a dispute because I paid for a service that I did not receive.   XXXX   XXXX   contacted me offering me online services, I could never get any help from them or get a straight answer on what to do after they showed me some videos. I could not comprehend what was in front of me, and they did not answer any of my questions. And I dont know what happened with my  XXXX  claim. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MS

Complaint narrative:
On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.

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 2017-05-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX dob XX/XX/XXXX SS # XXXX XX/XX/XXXX XXXX, XXXX and Experian will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.
XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX- - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - - XXXX XXXX XXXX XX/XX/XXXX Delete all my unauthorized inquires 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 non-monetary relief
Consumer complaint received 2017-05-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX   XXXX , Equifax and   XXXX    will not investigate my unauthorized inquires on my report. They will not validate the inquires and they continue to ignore my request to deleted the unauthorized inquires. It has been over 60 days and by law they must deleted them all. all they do is say validated with no proof!!!!! who validated them give me a name and date and phone number of the person.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  Delete all my unauthorized inquires from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank closed all my credit card accounts, because I would n't send them vital information to them. I do not feel comfortable sending over this information, as if lost, them it leaves me wide open for fraud.     The problem is with my former  XXXX  card. I received a letter from Synchrony Bank, in which they stated that they would report my card as fully paid on time with no delinquency, over a matter of {$4.00}, they reported me as   XXXX   days late on my experian credit report. I was assured that the report would be corrected and the   XXXX    day late would be corrected and removed.     To date, this has not been done and  XXXX  is showing as   XXXX    days late, breaking their promise to me via the letter received.      FIX 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 2017-05-05 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
Card was set up without my consent. My wife made payments but the card was never used by me or my family.

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: XXXX XXXX Account Type: Revolving Account
Balance: XXXX
Date Updated: XXXX Last Payment Made: XXXX
Pay Status: >Charged Off< Terms: Paid Monthly
Date Closed: XXXX Page 3 of 52 Loan Type: CREDIT CARD High Balance: XXXX
Original ChargeOff: XXXX
Credit Limit: XXXX Past Due: XXXX 
>Maximum Delinquency of 120 days in XXXX and in

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