vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-17 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: FL

Complaint narrative:
I have closed a POBox address that I've used as my primary address for over 15 years. I have sent in documents, called, tried using the online forms, and no matter what I do I can not get Equifax to remove this POBox from my credit file. It's listed as my primary address, so any correspondence they may try to send me will goto that old address, and I will not receive it as the year of forwarding has expired.

I tried again today to get this corrected. I have three address on file with Equifax, the POBox, work and home. I now need my home address to the the primary address on file and the POBox removed.

When I called, they verified my SSN #, birth date, all the addresses on file, the open car loan and monthly payment amount, a credit card on file balance and monthly payment, but because I could not tell them the month and year I received my last credit report in the mail, which was 5 years ago, the will not remove the address.

I have tried mailing the request in, but somehow that doesn't work either. And since I don't get mail delivered to the POBox, I haven't received a response to the request I mail in manually. 

So Equifax has left me with no way to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I have a Home Depot credit card managed by Citibank. This card currently has a zero percent rate until XX/XX/2019 for the purchase of a furnace. My statement of XX/XX/2019 showed a payment due of {$34.00} by XX/XX/XXXX. This payment was made on XX/XX/XXXX. There is no dispute about this ; the payment is included on my statement of XX/XX/2019 which requires a {$33.00} payment by XX/XX/2019. This payment was made on the evening of XX/XX/XXXX, through their phone system after the statement had closed. It was their phone system that indicated the amount of the payment due. There is no dispute about this. 

The statement of XX/XX/2019 shows this payment made on XX/XX/XXXX, but they also charged me a late fee for not making the payment that Citi does show being made on XX/XX/XXXX. Their reasoning was that the XX/XX/XXXX payment was retroactively applied to the XXXX statement without notification to me. Thus they claim there were two XXXX payments, but no XXXX payment. This is despite the fact that both the XXXX and XXXX statements show the opposite. 

I called Citi on XX/XX/XXXX and was told the late fee would be reversed, which it was. The next day another person from Citi called me demanding an immediate payment of {$93.00} to cover the " missed '' payment due XX/XX/XXXX, the new {$33.00} payment due on XX/XX/XXXX, and the {$27.00} late fee which had already been reversed. I asked for a supervisor who gave me the same story. 

On XX/XX/XXXX, still another person from Citi called demanding an immediate payment of {$93.00} because my account was overdue. This person was much more polite and understanding. She transferred me to another supervisor, who told me to make an immediate payment of {$46.00} and then pay another {$46.00} by XX/XX/XXXX. In their version of the universe, I still have the pay the " missed '' payment that they admit was paid, the new month 's payment, and the late fee which has already been reversed. I was told by the supervisor that this would be a benefit to me because these payments would be applied to principal. Note this account has a zero percent interest rate until XX/XX/2019. 

When I was in fifth grade my brother and I got a paper route and opened savings accounts. We learned about the time value of money. It is really strange that a supervisor at one of the world 's major banks would think that paying principal early would be any advantage to 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 2019-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This account was paid in full and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I never applied for any loan or credit card with this company. They refused to remove the info from my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited {$260.00} cash in an ATM machine at Citibank on XXXX XXXX, XXXX XXXX, CA. The machine ejected {$40.00} and then stated it could not complete the transaction and that I could get the rest of my money back ( {$220.00} ). 

I talked with a manager named XXXX who said that Citibank would open a case and review the situaton. I asked for the {$220.00} to be returned to me and she said the bank could not do that. She also said that the review would take 5 - 7 business days. She also said she would contact later that day with an upate. 

It is now 8 business days since the transaction occurred and neither the manager, nor anyone else from Citibank has contacted me. And I am still missing {$220.00} from my account. 

I think it is very unfair that, because of an issue created by Citibank, I am made to feel like I am not to be trusted and I am still waiting for a legitimate deposit to be verified. Even now, if the money was placed in my account, I am still upset it has taken this long.

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 2019-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I opened an online savings account with American Express National Bank. I linked it to one of my checking accounts at XXXX XXXX XXXX and submitted a XXXX $ transfer from XXXX XXXX to American Express. 

The next day XX/XX/XXXX I verified the trial deposit that American Express made and the transfer was initiated. After about a week I made another XXXX $ transfer from my checking account at XXXX XXXX to American Express. 

A few days after the second transfer I checked online and both transfers had been debited to my checking account at XXXX XXXX and the XXXX $ balance was now available at american express. 

On XX/XX/XXXX I opened a statement from American Express dated XX/XX/XXXX and I noticed that the two transfers had cleared on XX/XX/XXXX and XX/XX/XXXX and that on XX/XX/XXXX there was a " Miscellaneous Withdrawal '' debit of XXXX $ and an ending balance of zero. 

Note that from XX/XX/XXXX until XX/XX/XXXX I was not contacted by American Express by mail, email or mobile phone number. 

On XX/XX/XXXX I called American Express and I asked what was going on. I was advised that my account had been closed. They didn't tell me the reason ( which I am fine with because I understand that they have the right to do so ) and they claimed that they didn't have to even notify me. 

I requested that they transfer back the money to XXXX XXXX or send me a check and they refused to do so, telling me to contact XXXX XXXX. 

On XX/XX/XXXX I then set up a conference call with the two banks. Then American Express asked XXXX XXXX to attempt to reverse the charge as if it were unauthorized. 
This is problematic because the charges WERE authorized by me and cleared properly from my bank. 

This is an outrageous behavior from a regulated bank. I don't contest their right to close my account but their refusal to refund me promptly my balance AND the accrued interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
DISPUTED TWO XXXX CREDIT CARD DUE TO THE ACCOUNT NUMBER THAT IS NOT MINE I SENT IN FACTUAL PROOF THAT IS NOT MY ACCOUNT NUMBERS BUT TRANSUNION STILL SAYS ITS WAS VERIFIED SO I'm going to OPEN UP A PHYSICAL INVESTIGATION WITHIN 15 DAYS OR PLEASE SEND ME 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

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 2019-04-17 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
abusive harassment calls, threaten and pry for private financial information. nasty and shameless.

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 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Sent XXXX payment from my XXXX XXXX to tiaa bank- Filed report to tiaa bank that they never gave me my funds they said they didnt receive it from XXXX XXXX  so I filed report to XXXX XXXX and heres proof from XXXX that tiaa bank accepted it from their department. I want my money back XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Checking Account Ending In XXXX Dear Mr. XXXX : I am writing to respond to the complaint our office received from the Consumer Financial Protection Bureau ( CFPB ). I understand you expressed concern with a transaction from XXXX which was deducted from your checking account ending in XXXX on XX/XX/2019, in the amount of {$1000.00}. My attempt to contact you at your telephone number on file, XXXX, was unsuccessful. As such, I felt it best to communicate in writing. The Bank apologizes for any inconvenience you may have experienced as a result of not having access to your funds through TIAA Bank. Records confirm on XX/XX/2019, you initiated a XXXX transfer through your TIAA Bank account. Specifically you requested {$1000.00} to be deducted from your XXXX XXXX account ending in XXXX to be credited to your TIAA Bank the following day. Bank records confirm on XX/XX/2019, these funds were successfully transferred to your TIAA Bank account as requested. If the funds were never credited to your TIAA Bank account, we request you reach out to them as the XXXX transfer was initiated through TIAA OLB Money Request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: AR

Complaint narrative:
Diversified Consultants says I owe money I dont and has fraudulently reported it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2019 : I called the fraud department regarding my account and I was transferred over and over until I got to a gentleman that was rude and not attempting to be helpful at all. 
XXXX XXXX : I went into the XXXX, Ga branch to withdraw money. They needed to call the back office and they could not find a check ( {$21000.00} ) so they would not release the funds. 

The check was deposited in a braoand put on hold for 14 days for verification. The funds are showing in my account. I have the receipt of the deposit. There is no reason I cant get my money because they lost the check.

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 2019-04-17 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Tower Loan of XXXX, AL reported a hard inquiry on my credit report in XXXX of XXXX. I reached out to them the same week and spoke with a representative who told me to report it to the credit bureaus and that should have it removed seeing I have not applied for a loan with them in years. I did as she encouraged me to do so and they still have not removed it 4 months later. I explained to her that I am in the process of repairing my credit to buy a house and do not need unauthorized hits on my credit. She said that she understood, but the situation has yet to be fixed. I have NOT been in that establishment since XXXX and have not spoken with them either to authorize a loan. I have attempted to reach out to the company and instead of fixing their mistake immediately, they have refused to remove it. It seems as if you ever get a loan with them, they will continue to put an inquiry on your report for years to come! Although they have been paid in full, and you have no business with them!!!! Beware!!!

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 2019-04-17 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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:
three XXXX XXXX XXXX accounts and one XXXX accounts is being reported under my name with equifax credit reporting agencies. 
these are fraud account and not mine, its says it was attached to a bankruptcy, but i never even had a bankruptcy in my life, and these accounts are attached to a bankruptcy which i never had. 
i will be attaching the some documents that i provided equifax as well such as my police report and the FTC report please find attached thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank closed my bank accounts and have not returned the funds from the account. One account has {$88.00} and the other account has {$73.00}.

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 2019-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am unable to reach my loan servicer navient any other way but phone for my private student loans. They are variable interest rate loans and very high monthly payments around XXXX a month. I called to see if I was able to do anything to lower my monthly payment. When speaking with the right department finally she could only offer me a reduction of XXXX dollars a month for a period of 3 or 6 months and I could only do it once every 12 months. It was called an interest forbareance program. When i asked if i could get paper work showing that the monthly payment after the 3 or 6 months would not go through the roof she said she couldnt give me any thing in writing until I agreed. I told her i would have to think about it and call them back and she said if I didnt decide now then I may not have the option again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with chase and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17 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: FL

Complaint narrative:
INQUIRIES DOES NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2019-04-17 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: U.S. BANCORP
State: IL

Complaint narrative:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX 

I have not applied for any cards with us bank and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.

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 2019-04-17 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: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX XXXX This inquiry is adversely effecting me and trying to get a car loan.

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 2019-04-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There have been 3 credit reports run against my credit without my consent or knowledge all by the same company SYNCHRONY. The credit reports were pulled twice on XX/XX/XXXX and once on XX/XX/XXXX. 
I have not had any reason to run my credit in the past 8 months, and have not applied for any credit cards, mortgages or car loans in this time either. I keep my credit report frozen to deter identity theft. XXXX has been less than helpful in sorting the matter out, and I want to make sure they or someone else is not actively attempting to take out loans in my name.

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