vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am unable to login to the Citibank website to check my credit card balance, make payments, or manage the card at all. 

I have had a Citibank credit card for about 5 years. This past winter, in 2019, I opened a checking account with Citibank. I had so many problems opening the account, getting the debit card, registering for online banking, funding the account, that I close the checking account within 2 weeks of opening. 

This morning I received an email stating that my checking account was ready to use ( despite being closed in XX/XX/2019 ). I went to login to my Citibank account which is still used for my credit card, and the website said I needed to reset my password. When I went to reset my password I was told my account was locked. 

I first went to physical branch who told me they could not help me but that I did not have an open checking account. 

I then called the number on the back of my credit card. I was told that in order to unlock my account, I needed to provide my debit card number or account number of my checking account. The checking account has been closed for months and did not ever receive funding because of all the problems. I told Citibank that I did not have this information. The representative told me to call back when I do ( this is not an acceptable resolution ). 

At one point I was told to " reregister '' the card online. I tried to do this but the website said that the card was linked to another online account ( the locked 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 explanation
Consumer complaint received 2020-02-24 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: FL

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-24 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: FL

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-24 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: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX  XXXX  |XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.

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 2020-02-24 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: GA

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Please investigate the following : XXXX XXXXInaccurate XXXX XXXXN/AInaccurate XXXX ( Original Creditor : XXXX   XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment.

Inquiries : XXXX XXXX | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX XXXX XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX  XXXX  | XX/XX/XXXXN/AInaccurate XXXX | XX/XX/XXXXN/AInaccurate Also, the only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed below and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report.

I would really appreciate your help with this matter. I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: MA

Complaint narrative:
I apologize for the second complaint but I was unable to submit a response to provide documentation. 
I have a rental property and the mortgage was with XXXX. It was sold to XXXX XXXX on XX/XX/XXXX. ON XX/XX/XXXX I did not have a new account number with XXXX  to make my XXXX payment so I called XXXX and they told me to make a payment to XXXX and they would forward the payment over to the new company. XXXX never forwarded the payment and I was marked late with the new company, but i didn't know this until late XXXX ( the end of my 60 day grace period ). I began making payments to XXXX in XXXX and made intermittent payments throughout XXXX and XXXX to make up for the lost payment. But as of XX/XX/XXXX I was still {$220.00} dollars short of 3 months. They counted that as 60 days late for the XXXX payment and XXXX  reported me to the credit bureau with a 60 day mortgage payment. I have now sold my primary residence and can not get a loan for a new home with that on my credit report and XXXX will not take it off. I believe the problem began with an error by XXXX. I would like XXXX to talk with XXXX to say it was their error and not mine. 
Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to Experian report number XXXX, the histories of more than one good account was purposefully altered to lower my credit score. On one of my good accounts not only was the good payment history removed but the year the account was opened was literally changed to reflect a more current year. Why was this done and how is this legal?!? I'm 100 % certain this is against FCRA regulations. How many other consumers are being done this way? Please put my histories back to their formal state. I fully intend to show someone who can do something about this. Someone needs to know what is going on there at Experian ...

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 2020-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
House inherited to me by my father. House payments too big for me to pay. Requested loan modification in XX/XX/XXXX. Loan modification trial started for 3 months ( XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX for XXXX. Documents sent me in XX/XX/XXXX requiring my signature and one of the papers required notary public emblem. Required papers was sent before XX/XX/XXXX. which was the deadline. Mortgage company stated they had received all of my 3 trial payments but did not received any of the documents that I was required to signed and returned to them, so they dropped me. They made 2 more Loan modifications, but they were over {$900.00}. I could not afford to pay I sent them a letter of appeal request them to reduce the amount to {$450.00} -- which was due before XX/XX/XXXX. -- received letter from them 30 days later informing me they have rejected my request for a reduced loan modification. Loan company and then proceeded to place my home on foreclosure.. I did not retain copies of the required documents nor due I have the tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NY

Complaint narrative:
I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: NY

Complaint narrative:
I felt some information on my account which was reporting from XXXX XXXX XXXX  account # XXXX wasn't accurate. I sent in a letter to the bureaus questioning the information reported. I got back a response from them saying it was verified. At the same time I got a letter from XXXX  XXXX saying that they recieved a dispute but didn't have enough information for them to fully understand the reason for the dispute. How can the bureaus have verified this information if XXXX XXXX  could not even investigate this based on the letter I got which I will attach.

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 2020-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to all three credit reporting agencies, and the item in dispute was deleted from both XXXX  and XXXX  reports the same day the dispute was submitted. I submitted the dispute to Equifax on XX/XX/20 and called XX/XX/20 for an update ; the person could not verify my identity even though I answered all questions correctly and even gave my SS #, but I did not receive an update on the dispute. I am trying to get a mortgage and am counting on them to resolve the dispute within 30 days but they have made no updates while the other credit agencies deleted the item in dispute from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Macy's/DSNB # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2018 I disputed an item on my credit report with XXXX XXXX for XXXX XXXX XXXX, as well as with the credit reporting bureau 's. The apartment complex is reporting that I owed for a rental in my name. I never lived at or had even physically visited this complex. After further research from the apartment manager they concluded that the SSN used to open the lease agreement was not mine but the name used was mine. They gave me a signed letter stating these facts but the debt is still reporting on my credit.

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 2020-02-24 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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I don't know what's going on here. On the XX/XX/XXXX I filed a complaint against IC systems because they were trying to collect money I didn't owe and was never notified about. IC systems responded to the complaint through your portal saying they sent me a letter explaining what steps took place or their results for my complaint. They did this because in their response they said they couldn't verify who registered this complaint? 

I've been waiting patiently for this notice to arrive in the mail and it's never arrived. Now I am REALLY ANGRY. The whole basis of this complaint was the fact a collection was placed on my report without my knowledge. No notification was ever received by the creditor whom I left in good standing nor the collection agency. Now I receive what is a RIDICULOUS response to this complaint by the same collector saying they can't respond to me through this portal because they can't verify who I am but will instead send me a notice that I have been eagerly awaiting to no avail. Is this what a complaint to the C.F.P.B. looks like? Consumers file complaints that never get answered or resolved? Collectors can just write responses akin to a " bait and switch '' tactic? I am filing this complaint because IC Systems should not be allowed to just leave this complaint unanswered. The case number to my previous complaint is XXXX-XXXX. 

IC Systems should know better than this. They have my address which was provided to them numerous times in my conversation with them on XXXX. They have now had ample opportunity to send me what they said they would. Because I have not received anything from them EVEN after I have called to complain to them and filed a complaint to your bureau, I consider this proof they are not providing me with any notices and are now willfully disobeying the law and your bureau. I am being serious here. Do I really have to spend time and money to sue them over a collection this small which was never handled properly? If the answer is yes, then I will gladly do so. I will not allow them to jeopardize me obtaining credit on favorable terms or with higher rates for several years. I am filing this complaint so you know what IC systems is doing and so you can possibly look into their practices. If they are blatantly doing this to me, how many others are they doing this to?

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 2020-02-24 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: UT

Complaint narrative:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: UT

Complaint narrative:
XXXX/XXXX  # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation