vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is in response to recent response to previous complaint, which was not satisfactorily answered. The company has not furnished me with the contact information for the person they said verified the information at the US Bankruptcy Court as they have it listed as the one who supplied the information. They have also not established their verification method, because again I do NOT CONSENT to any form of electronic verification. I have contacted the Court and confirmed that they do not report to credit agencies. So at this point as they are the only ones in question I'd like to know who else would have the right to report any such information. Your reporting that US Bankruptcy Court has reported this is INACCURATE and MISLEADING information. I do also, understand that I can sue. If you have valid information pertaining specifically to the issue I am addressing I would like that information. Please address my specific concerns. The answer submitted was general in nature. I would like the information requested as I have a right to it. Original signed paperwork with my signature. No proof means no authority. 

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 2019-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: TN

Complaint narrative:
I applied for a loan modification with PHH Mortgage and they sent me a letter back " Decision on the Request for Mortgage Assistance '' that I am not eligible according to guidelines of the owner of my loan XXXX Bank XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I WAS SCAMMED BY TWO DIFFRENT COMPANIES. I PAID XXXX  XXXX   {$990.00} WITH A CHECK ON XXXX. I ALSO PAID XXXX XXXX XXXX XXXX 4 DIFFRENT TIMES USING MY AMERICAN EXPRESS CREDIT CARD ONXX/XX/XXXX..XX/XX/XXXX {$390.00} EACH TIME.. {$1400.00} ON XXXX AND ANOTHER {$1500.00} ON XXXX. THESE COMPANIES DID NOTHING FOR ME AND I HAVE TRIED TO GET MY REFUND AND NOTHING HAS HAPPENED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: ME

Complaint narrative:
Midwest Recovery placed a {$270.00} debt on my credit report on XX/XX/XXXX this year. I never received anything from this company prior to seeing it come up on my XXXX  report. I called them today and they said they had my correct address and that they dont have to notify of the debt prior to placing my my report but if I paid it theyll send me a deletion letter. I should have had 30 days to dispute the validity of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/2019 I sent a wire transfer from my Citibank XXXX account to my XXXX XXXX Account for {$800.00}, the same as I have done in the past. 

Citibank N.A. ( U.S. ) charged me a {$30.00} fee, even though I had already paid their subsidary in XXXX {$2.00} for the wire fee. I was informed by Citibank XXXX that I should not be charged any fees when the intermediary bank is CitiBank U.S. since I am a Citi Priority member in XXXX. 

I contacted XXXX and they advised me that CitiBank N.A. charged the {$30.00} fee. CitiBank XXXX apologized but since this is XXXX is unable to refund the {$30.00} fee and directed me to contact Citibank N.A..

I contacted Citibank N.A. on XX/XX/2019 at approximately XXXX and they stated that I need to contact Citibank XXXX. However, XXXX XXXX acknowledged that Citibank N.A. ( U.S. ) did charge the fee. 

I have a CitiBank U.S. Credit Card however, Citibank U.S. has refused to open me up a checking account which would allow me to use their CitiGlobal service to transfer funds between the two accounts. 

Wire Information : XXXX XXXX XXXX : CITIBANK N.AXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX TRN : 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 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While attempting to get a free credit report from TransUnion I was asked for my credit card number. I thought that were using the number to check my credit but instead they deceptively signed me up for a subscription. I just noticed that I'd been charged. XXXX for the month of XXXX, XXXX and XXXX of 2019. I called them and explained that there online experience was deceptive and explained what I was trying to do. I also told them they I hadn't signed into the account after getting my free credit report, therefore, did not use their service. They refused to refund the charges but did agree to cancel my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX, XXXX SEC # XXXX DOB 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 2019-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I went to " XXXX.XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail XXXX from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

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 2019-06-07 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: MN

Complaint narrative:
I went to " XXXX '' to view my credit reports and found some wrong data on all 3 of them. Each company had information claiming I could dispute or correct it from that site, which was a complete lie. All 3 so-called dispute processes were a dead end to nowhere. Each one required me to set up a user account but when I checked their " limited membership '' box so I wouldn't get bombarded with e-mail crap from them, I was NOT allowed to continue with the dispute. Another one simply had me click on the same buttons " start '', set up an account, then click " continue '' which sent me back to the start button. EXTREME frustration with their constant XXXX. These BOGUS companies are allowed to publish false data and consumers have NO RECOURSE. Such SLANDER is unprofessional and should be ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below INQUIRIES XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX/XXXX XXXX XXXX   XX/XX/2018 unauthorized XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX/XXXX XX/XX/2018 unauthorized

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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/2019, {$2000.00} charged off accounts with XXXX balance and 1099 sent to irs, now changed XXXX/bestbuy ( old account owner to charge off when at the time it was not a charge off just a transfer to new company bestbuy/cbna )  now they are double posting, restated that it was a new debt and changing information to ruin my credit. This is an old debt as well. I want the XXXX/bestbuy transferred account removed from my credit as you can not double post the same debt. They are also reporting that it is a current credit card with balances suddenly. XXXX  is constantly down and not allowing reporting these errors and previous XXXX credit fixes stayed pending.

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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the following account from my credit report. The company has investigated it and realized that this account was not authorized by me. It is the result of identity theft I have attached proof from the company below.

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 2019-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the following account from my credit report. The company has investigated it and realized that this account was not authorized by me. It is the result of identity theft I have attached proof from the company below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, SOC SEC # XXXX DOB 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 2019-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX there were 5 fraudulent charges listed as coming from XXXX XXXX XXXX and 1 fraudulent charge on XX/XX/XXXX, also from XXXX XXXX XXXX. For the following amounts to my Citi Premier credit card : XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX, XXXX XXXX XXXX Bill Payment XX/XX/XXXX - XXXX I have spent many hours reporting this issue to Citi, at least 9 times. 5 phone calls and 4 chat sessions, they have refused to reverse these charges. I have also contacted XXXX XXXX XXXX to verify they did not charge my Citi Premier credit card for any of those amounts. 

I can verify that I contacted Citi on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. There were more communications via online chat and another phone as well. 

XXXX XXXX XXXX verified that these charges are fraudulent and a representative from XXXX XXXX XXXX spoke with the Citi credit card dispute center on my behalf ( with me on the phone ) and explained to them that these charges are fraudulent. The representative will confirm my claim. 

I can also submit my wireless and internet bills from XXXX XXXX XXXX which will show XXXX XXXX XXXX never charged me any of those amounts, and that XXXX XXXX XXXX does not bill me on the XXXX or XXXX, ever. 

My wireless and internet packages are unlimited ( no data cap ), there is no possible way I could have racked up these charges. 

I will also be filing a complaint with the FTC while looking into a lawsuit.

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 2019-06-07 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: CA

Complaint narrative:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

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 2019-06-07 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: CA

Complaint narrative:
Today i received a email stating that a student loan was past due for 90 days. This is fraudulent and identity theft. I have stated before in the past over three years ago that this is not my account and that my loans that was listed with a different agency and company. I no longer have a loan number for the past account because it was paid off over four years ago. Therefore the documents presented to the credit reporting agency i have no knowledge of or a copy of. If the reporting credit agencies that this has been blocked and deleted from my account rather XXXX seems to have a pattern of reporting this fraudulent information on my report every two years as the pattern shows. I believe that its an attempt to block and hinder my credit rating and high number due to other issues from other banks. It has been 644 days since this was deleted from my account and or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07 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: IL

Complaint narrative:
XX/XX/19 Initial request sent via postal mail for correction of information contained within Equifax credit report. I included documentation from collection agency. No response received. 

XX/XX/19 Follow up request for correction of information contained within Equifax credit report. Once again, I included documentation from collection agency. Still no response received. 

This credit reporting agency is being allowed to violate several laws! They did not respond in writing via postal mail, which is how I initially made contact with them. They have not removed this derogatory information from my correct ( I have documentation and proof from the collection agency ).

Company response to consumer: Closed with explanation