vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/XXXX ( it may have the the first ), I called Discover to give them a routing number and an account number that a Mr. XXXX XXXX ( I  believe it was an alias ) gave me to give to Discover to pay off {$4.00}, XXXX. I called later in the day to see if the account was indeed paid off. She said it was and gave me the confirmation number : XXXX. I really didn't expect it to be paid because I thought it was a scam. Consequently, I took {$2500.00} from the account and sent it to an address in NY State. I called Discover to find out whether the {$2500.00} was interest free like the {$4400.00}. They said no, it was 27 % interest. Then I found out that I still owed the {$4400.00}. That the account that I gave them was closed. This was two days later. WHY WOULD THEY HAVE TOLD ME IT WAS PAID OFF THE FIRST TIME I CALLED? I knew then it was definitely a scam and I was burned. Can Discover be held responsible for not telling me? They could have told me that they were not paying the account until the funds cleared, which they would not have cleared because the account was closed. I WOULD NEVER HAVE GIVEN A PENNY IF I'D KNOW THAT MY ACCOUNT WAS NOT PAID OFF. I feel that Discover failed me and owes me the {$2500.00}. 

I thought it was a scam to begin with, but when she said my account was paid, I thought, well, I'll be ahead because I'm only using {$2500.00}. WRONG! 

The bank, routing number and account number given to me to give to Discover is : XXXX XXXX XXXX, routing # XXXX ; account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
Dear Synchrony Bank Do you accurate with NCUA thru Paypal Credit history account? 

https : //www.ncua.gov/ Or how can I get credit report from NCUA for Synchrony Bank?

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 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. That card never arrived after 3 different attempts, so I filed another complaint with the CFPB on XX/XX/XXXX. I finally ( miraculously ) received a new card on XX/XX/XXXX while out-of-town in XXXX XXXX for a major trade show ( my signature wasn't provided nor has the card been activated at time of this complaint ). 

On XX/XX/XXXX, XXXX XXXX informed me that I only have 4 days ( XX/XX/XXXX ) to initiate a balance transfer even though I don't have the card in my possession yet ( I am still in XXXX and the XXXX envelope is sitting on my porch ). 
I made several attempts to receive a physical card so that my account could be set-up. Telling me I only have until XX/XX/XXXX ( 4 days ) to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer due to delays and negligence on Citi 's part. Why wasn't the card expedited back in XXXX after two separate attempts? How about XXXX? What exactly happened? Why weren't the cards sent as promised? Was it my fault? How was I able to take advantage of the advertised promotion without a physical card in place? 

I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have multiple things on my credit report I did not apply for. Chase credit card like 10 times in a year and I've never applied. Pretty sure ex wife is using my info to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 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: MO

Complaint narrative:
These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) 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 2019-01-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE DISPUTED NUMEROUS TIMES WITH EQUIFAX ABOUT THIS FRAUDULENT ADDRESS THAT DOESNT BELONG TO ME. THIS SAME ADDRESS COTINUES TO REAPPEAR ONLY ON MY EQUIFAX CREDIT FILE AND I DON'T KNOW WHY WHEN I HAVE NEVER STAYED NOR RESIDED AT THIS RESIDENCE OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I HAVE CALLED INTO EQUIFAX TO HAVE THE FRAUDULENT ADDRESS REMOVED AS WELL AS THIS WILL BE MY SECOND COMPLAINT WITH THE CFPB ABOUT EQUIFAX ALLOWING FICITIOUS INFORMATION TO BE PUT ON CONSUMERS FILES. THEY HAVE REMOVED IT THE ADDRESS AND THEN IT REAPPEARS. I HAVE LIVED IN THE SAME HOME ALL MY LIFE. NOT A FREAKING APARTMENT COMPLEX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12 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: MO

Complaint narrative:
These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: MO

Complaint narrative:
These following accounts are not mines, one even shows as joint but still I do not have any knowledge of these. And according to the FCRA as a consumer I'm respectfully requesting physical documentation of such if not provided within a reasonable time, please block / remove the following accounts ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX, ( 4 ) 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 2019-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail from Equifax ( dated XX/XX/XXXX and received by me on XX/XX/XXXX ) completely disregarding my 2nd dispute against the ILLEGAL INQUIRIES still reporting in my credit file! All they say is, " The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have even called and spoken to extremely robotic, rude reps of theirs who repeat EXACTLY what's in the dispute report to me over the phone instead of using their brain and abiding by the law. One of them is rep with the ID XXXX who I spoke to on XX/XX/XXXX from about XXXX to XXXX. Whether I have complained here or spoken on the phone, Equifax has refused to do anything about the matter. Please tell me why and how Equifax reports this information, WHICH AFFECTS MY CREDIT SCORE, yet continues to wash their hands of any responsibility of this info they ILLEGALLY REPORT! The inquiries have NO PERMISSIBLE PURPOSE to be in my credit file : They aren't there as employment inquiries, court order inquiries, insurance inquiries, and they do not have firm offers of credit ( meaning, there are NO credit accounts in my file as a result of these inquiries )! As a consumer, I am allowed to dispute ALL info in my credit file ; yet, Equifax basically states that 'inquiries are facts that will just remain on your credit report unless YOU do OUR job of contacting the creditor. ' Violating consumer law, Equifax uses language that only suggests they investigate ( i.e. " results of our reinvestigation '' ), but they absolutely DO NOT INVESTIGATE AT ALL. Instead, Equifax has been using automated systems, like XXXX and going to 3rd PARTIES, like XXXX and XXXX XXXX XXXX ( XXXX ) in order to " verify '' inquiries. Then they lie and say that they " investigated '' and that there's nothing they can do about " factual inquiries '' that they ALLOW us to DISPUTE! (??? ) XXXX and 3rd parties are all extremely flawed systems and are never 100 % accurate. I have attached the ILLEGAL INQUIRIES I am disputing and the file includes my SS card and ID. PLEASE EXPEDITE THIS DISPUTE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX, Citibank had a checking and savings account offer whereby depositing and keeping {$15000.00} in the account for 60 days would make the account holder eligible for {$400.00} promotional bonus. 
I opened checking and savings account with Citi for {$15000.00} on XX/XX/XXXX and since then havent removed my {$15000.00} out of the account. I called Citibank helpline after 60 days of funding the account and the CSR said I have to wait for another 90 days before Bonus of {$400.00} gets posted to my account. 
I waited for another 90 days and called Citi bank on XX/XX/XXXX but they are refusing to accept the fact that I was ever eligible for a {$400.00} bonus. They say their system doesnt show any such promotion for my accounts and Im not eligible. 

They say they will 'investigate ' and have recorded a complaint and given me a complaint number : ( Service Request # XXXX ) saying their Client Relations department will reach out to me in 60 calendar days. 
My {$15000.00} amount is however still tied into the account although I could be earning 2.5 % APY in other competing bank accounts. 
I have reviewed thousands of similar complaints online from other account holders who are victims of Citibank 's fraudulent and non-professional treatment. 

Here are my account numbers for reference : -- > HIGH INT CHKG XXXX -- > Citi Savings Acct 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 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from 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 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit. XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from 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 2019-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I happened to check out what was going on with my credit report. I noticed several inquiries, that do not belong to me. Please remove them from my credit report immediately as this is poor judgement with on my character and credit.

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Designed Receivable Solutions, Inc. is attempting to collect payment from me for two accounts identified by Designed Receivable Solutions, Inc. as being account number XXXX ( {$45.00} ) and account number XXXX ( {$50.00} ). I have previously written to Designed Receivable Solutions, Inc. to request verification and explanation of the amounts owed via Designed Receivable Solutions, Inc. providing me an explanation of what the charges are for, from where they originate, and what services were provided by an original creditor to substantiate the original charges. Designed Receivable Solutions, Inc. has so far completely failed to answer my request for explanation and has failed to provide me any documentation from an original creditor supporting the request for payment. Designed Receivable Solutions, Inc. is also adding a large amount of accumulating interest to the amounts it is requesting. I am not aware of any unpaid bills that I owe, and certainly hesitate to pay for charges I don't recognize and which have no supporting documents provided to me with request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I, ve have asked for information from Experian on these accounts by certified mail, now im asking thru this site, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX, unverified XXXX XXXX XXXX, XXXX, unverified XXXX XXXX, XXXX. XXXX, unverified XXXX XXXX XXXX XXXX XXXX, unverified You can upload thru this site all documents you have that verifies these accounts as listed

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 2019-01-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

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 2019-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been paying on student loans since XXXX. I have been a government employee since XXXX. In XXXX, it was announced that Public Service Loan Forgiveness would be honored after 120 on time payments for federal student loans beginning in XX/XX/XXXX. I immediately contacted Sallie Mae, now Navient in XXXX to find out what I needed to do to qualify for this loan forgiveness and was told to have my employer complete a form that I was a public service employee and submit it and the application by XX/XX/XXXX. In late XXXX, I contacted Navient to make sure I was on track with submitting the necessary forms since I would qualify for loan forgiveness, only to learn that I had been misguided on that there had to be a specific type of repayment plan set up in order to qualify. I was not provided that information in XXXX and based on what I was told, did not feel the need to contact the lender till years later when I was eligible for the loan forgiveness. In XXXX, the company offered me an income driven repayment plan, but that would have started the clock for another 120 payments before I would qualify for student loan forgiveness and my debt would be paid in full by that time. I am very frustrated with the responses that Navient has provided. They gave bad information when I needed it the most to start the clock on the 120 months years ago. I have paid over {$200.00} per month on {$30000.00} federal student loans since XXXX, and still owe {$15000.00}. Something is wrong. I previously submitted a complaint and received a poor response that made it look like I was provided the information I needed up front, which is NOT true. I wasn't given the right information until late XXXX, after i spent the past 9 years thinking i was on track for loan forgiveness in XXXX. I feel I should qualify for loan forgiveness, since I have paid on these loans for 22 years and have been employed as a public service employee for 20 years.

Company response to consumer: Closed with explanation