vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: FL

Complaint narrative:
XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$780.00} XXXX XXXX XXXX XX/XX/2019 {$540.00} XXXX XXXX XXXX XXXX received a Fraud alert text message form Citi Fraud alert on XX/XX/2019 @ XXXX XXXX   regarding attempt of purchased for {$200.00} at XXXX. that how i know my credit card was compromised, I called citi fraud @ XXXX to report fraud. XX/XX/2019 I got a letter form citi security Operation that they try to contacted me by phone and email was unsuccessful, ( I have not received any phone call or email at all ). I have 10 days to call them back with additional information needed. 
I called Citi Security Operations XXXX on XX/XX/2019 talked to fraud investigator that handling my account, they need my time sheet and phone record to proof that i was not out of the country, I did email informations requested to XXXX. I called again on XX/XX/2019 to confirmed if they have received my email, I talked to the fraud investigator that handling my case her name is XXXX, " base on information I provide, they did not consider these transaction were fraud because I have the credit card in my procession the card was build in with security chip it can not be counterfeit " on the same day XXXX have requested more informations such as passport, I did email her all pages of my passport on XX/XX/2019 Now I am concerned my passport number is not safe, XXXX said she will talk to her superior but at this time she not consider this is FRAUD., I called back again and Letti was not there and they don't let me talk to a different investigator, XXXX called me back and said the decision is stand and the case is closed, I have to be liable for all the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I been trying to dispute an account with Equifax and they refuse to give me an update the account is not mine and the three other agencies have removed the account from my credit report except Equifax. You'll have better luck taking to a brick wall instead of these people. 

The account that's questionable is XXXX credit auto that was open on XX/XX/2016. 

Again that account is not mine but they refuse to give me any information simply because I can't remember old accounts that I had when I was younger.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TX

Complaint narrative:
This account has been paid to a XXXX  balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

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 2019-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This account has been paid to a XXXX balance. 


XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is paid to XXXX XXXX XXXX Last reported : XX/XX/XXXX {$12000.00} Good Overview You've paid off 35 % of the original amount. 
Balance {$12000.00} Highest Balance {$20000.00} Monthly payment {$380.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) Term 72 months

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 2019-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I connected with a CSR from American Express to inquire about a free night certificate I was supposed to receive after my anniversary date. My annual fee was charged on XX/XX/XXXX of {$95.00}. I contacted the CSR in XXXX to ask when I would be receiving the free night. The customer service rep said, in text through the amex chat feature, that I would receive my free night award no later than XX/XX/XXXX. It is now XX/XX/XXXX of XXXX and I still do not have the free night in my account. I contacted another CSR today, XX/XX/XXXX, and was told that I would not be receiving a free night certificate until after my XXXX anniversary. This is not acceptable and not what I was told. I would have cancelled the card back in XXXX if I knew this were the case. 

I have all relevant screenshots of the chat from XX/XX/XXXX as well as a copy of my statement showing the annual fee charged to my account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact 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 2019-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings
State: AK

Complaint narrative:
While attending the XXXX XXXX of XXXX - Online Division, I received a scholarship for the current quarter. The campus has shut down and a refund for the remaining balance has not been sent back to the foundation that issued my scholarship. Attempts to contact the school via email and phone have failed, with any contact with persons in the institution redirecting me to the closed school information page with phone numbers that do not work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXXXXXX account. Please see the attached spreadsheet of reporting bureau and account number. Also, please reference pages 27 attached from my credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
This company has repeatedly call my home, my husbands cell phone. I speak with them about a payment that has bee made and they tell me they are going to check on it and don't. XXXX XXXX has twice reported to me that they are running my credit without my permission. This is damaging my credit scores. I tried to dispute this same thing in XX/XX/XXXX and today XX/XX/2019, I received a email from XXXX XXXX   stating that a new inquiry was added to my XXXX  credit report. I have no knowledge of this and did not give permission. 
We are responsible for our debts, but they keep giving me mixed emotions of what is really going on. My bank said a payment was made and I have proof. They tell me they are going to call me back once they check there records. I don't here anything about we discussed. They just keep calling for a payment.

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 2019-04-09 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : EOS CCA, ACCOUNT # : XXXX, DATE : XX/XX/2017, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When they first reached out to me on this issue, I advised them that I am at work until XXXX and would like to receive calls after XXXX or on the weekends if that is possible. They stated that they understood and notated on my account. I am now receiving multiple calls from this company on a daily basis. For the month of XX/XX/2019, I have received the following calls XX/XX/XXXX- called 4 times : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX- called 2 times : XXXX XXXX, XXXX XXXX XX/XX/XXXX- called 1 time : XXXX XXXX XX/XX/XXXX- called 2 times : XXXX, XXXX XXXX XX/XX/XXXX- called 3 times : XXXX, XXXX XXXX, XXXX There have been times when I am able to answer the calls during the day, but they dont respond and then the line disconnects. I acknowledge responsibility for this balance, I have spoken with this creditor on several occasions in regards to a payment plans which I can accommodate with my income.

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 2019-04-09 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:
they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXXXXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX XXXX  XXXX account is not mine and should be fully removed.

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 2019-04-09 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:
they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX  XXXX XXXX account is not mine and should be fully removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX XXXX partial account number XXXX. ( Please see page 36 attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
This company ( midwest service bureau ) contacted my husband first about some medical bills. He offered some sort of payment option, the lady he spoke to refused and said she would only take the whole amount and nothing else. ( She also asked him why he went to the doctor if he couldn't afford it anyways! ) I called her back because i couldn't believe they were refusing any sort of payments. When i talked to her i offered to put XXXX   down and pay XXXX  a month, which she refused and told me she was going to write down that i was refusing all of the options she gave me! My husbands bill was XXXX, now i have made several payments towards that account and she still calls me saying she is going to start garnishing mine and my husbands wages.

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 2019-04-09 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: TX

Complaint narrative:
I had 3 of an identical hard inquiry on my TransUnion report and after many calls finally talked to someone that was able to remove them, but one of them still remains. 
XXXX CA XX/XX/2017 There is also another one that is on my report for XXXX XXXX and that shouldn't be there either. The date for the inquiry was XX/XX/2017. 

Both of these are not something I authorized

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 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Hello, On XX/XX/XXXX, I received a letter from the California State Controller 's  office that a business had money that was due to me. The business is Navient Corporation ( Unclaimed Property Department - attention XXXX XXXX ) and the money due is from a settlement Navient owed in regards to my student loan repayment. 
I submitted the information that was requested on XX/XX/XXXX. On XX/XX/XXXX I received the following response : 'We apologize for the delayed response. We've experienced a higher than normal response rate. We received your letter and have submitted your claim for processing. You may expect a check in the mail within 8-10 weeks. ' On XX/XX/XXXX I emailed to inquire if I would still be receiving my check within the 8-10 week time frame stated. That same day I received an email from XXXX XXXX stating ; 'Your claim was processed, and a check should be arriving to you within the next 2 weeks. We appreciate your patience. ' After the two weeks passed I emailed again on XX/XX/XXXX to say I hadn't received the check and was inquiring as to when it would arrive. I have not received a response and the number for XXXX XXXX , ( XXXX ) XXXX, listed on the original form sent to me is only a recording and does not allow you to leave a message. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: NY

Complaint narrative:
The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX XXXX Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX   Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX Account # : XXXX Balance : {$260.00} Opened:XXXX Account : XXXX Account # : XXXX Account : XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX Account # : XXXX Balance : {$750.00} ( Limit ) Opened : 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 2019-04-09 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: NY

Complaint narrative:
The wrong name is reporting on my credit report. Some of the information showing does not belong to me and needs to be removed immediately! I complained to the FTC. 

FTC Complaint # XXXX Account : XXXX XXXX Account # : XXXX Balance : {$560.00} Opened : XX/XX/XXXX XXXX Bank Account # XXXX Balance : {$310.00} Opened : XX/XX/XXXX Account XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$20000.00} Account : XXXX XXXX/XXXX Account # : XXXX Balance : {$4000.00} Opened : XX/XX/XXXX Account : XXXX XXXX XXXX   Account # : XXXX Balance : {$500.00} Opened : XX/XX/XXXX Account : XXXX XXXX Bank Account # : XXXX Balance : {$260.00} XXXX Account : XXXX Account # : XXXX Account : XXXX/XXXX Account XXXX XXXX Balance : {$1300.00} Account : XXXX/XXXX  Account # : XXXX Balance : {$750.00} ( Limit ) Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX at Chase not willing to give me any reference number or anyway to identify him if I would call back has stated that both checking and savings that I opened less then a week earlier are closed, and sending check out as discussed for both checking and savings account, and would absolutely not give me any reason at all for the closure of the account. Furthermore I have a chase credit card as well which I was locked out of and had to work on getting access back into my credit card account, so it is very strange that they were to close checking and savings account I decided to open with them, and without any rhyme or reason at all. So I would like them to reinstate my checking and savings account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: DISCOVER BANK
State: MS

Complaint narrative:
Discover is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with DISCOVER. The account Discover is NEGATIVELY reporting DOES NOT belong to me! 

XXXX has lowered my credit by 12 point, thus changing my creditworthiness!

Company response to consumer: Closed with explanation