vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX Citibank started offering {$300.00} to sign up for The Citibank Account Package ( checking account ) between XX/XX/XXXX XX/XX/XXXX. I signed up for the Citibank Account Package on XX/XX/XXXX online. In order the receive the bonus the offer terms stated that Within 45 days after account opening you must complete the following : ( 1 ) you must complete 1 qualifying direct deposit to your checking account OR make 1 or more qualifying purchase transactions with the Citibank Debit Card totaling {$250.00} or more, and ( 2 ) make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existing Citibank Savings Plus Account, and ( 3 ) maintain a minimum balance of {$15000.00} for 30 consecutive calendar days following the date when you made your qualifying deposit. Immediately after opening the account, I mailed in a check to be deposited for {$15000.00}. It took Citibank a full 23 days to deposit my check and then an additional 7 days deliver my welcome documents to my house so that I could set up my direct deposit. At this point, Citibank rendered it impossible for me to set up a direct deposit in time to fulfill their 45-day requirement. So instead I made a {$250.00} debit card transaction on XX/XX/XXXX. After the 90 days waiting period Citi had still not deposited my {$300.00} checking bonus even though I had met all the requirements as outlined above. I contacted them several 2 separate times about this issue and each time the front-line customer service rep said that I met the qualification standards for the bonus. Upon further Citibank review, they said that I did not qualify for the bonus because they consider my debit card transaction as a transfer instead of a transaction because it was marked as a money send. Looking through all documentation on what Citibank considers a transfer proved to show that this didnt make any sense. Citibank lists XXXX as a transaction type and not as a transfer type. Furthermore, the promotion sheet used by Citibank only states that the purchase must be made using the debit card to buy goods and services, which I did. Because of Citibanks lackluster turnaround time on opening my account, I was forced to make a {$250.00} purchase I wouldnt have otherwise made and eventually on XX/XX/XXXXI did make that direct deposit, unfortunately, it was 5 days past Citibanks 45-day window.

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 2017-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Repeat issue. " We expected some customer loss ( when we took over the XXXX accounts in Texas ) '' - BBT Branch Representative at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My credit report is still being negatively affected by BB & T as a result of poor account management and customer service following a disputed transaction. The dispute investigation ended in my favor however the bank did not correct information with the credit bureaus, indicating my account as having payments that were 30 and 60 days past due. No information has been accessible online via portal and PDF nor in the mail as to the issue. A {$0.00} balance continues to show on my credit report as 30 and 60 days late ( see image ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: UT

Complaint narrative:
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . T he loan was through  XXXX   XXXX . In   XX/XX/XXXX  our  daughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the majo r Credit rep orting agencies resulting in our credit score falling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departme nt (   XXXX   XXXX   XXXX   ) a nd were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I have sent a letter to the debt buyer named  JH Portfolio   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN  XXXX   XXXX  BUT NEVER RESPONDES AS OF TODAY  XXXX / XXXX / 17  ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON  XXXX  BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED

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 2017-07-06 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:
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do that.

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 2017-07-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EZCORP, INC.
State: CO

Complaint narrative:
I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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:
On XX/XX/XXXX I submitted a legitimate dispute to Transunion in reference to three accounts that are being reported incorrectly as well as three unauthorized inquiries.and an inaccurate address that Transunion reports on my current credit file.
The three incorrect accounts, three unauthorized inquiries and inaccurate address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Transunion claimed they disputed this information and updated with a completion date of XX/XX/XXXX. There is no way this was an adequate investigation.They have yet to send any proof of how they conducted their investigation. Transunion is continuing to falsely report inaccurate and incorrect information on my credit file which is causing me unnecessary stress, not to mention tarnishing my credit report. I have documentation where these three accounts have been updated to a current status by the creditor on current previous Transunion credit reports. I also have documentation where the creditor has sent correspondence to Transunion to correct the status to " Current ''. Clearly this is a violation of the FCRA to report false incorrect information on a consumers credit file. Also Transunion continues to report unauthorized inquiries on my credit file. I did not authorize these inquiries and the companies did not have permissible purpose and they are not factual. These need to be deleted because no one has sent me any applications bearing my signature.

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 2017-07-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Report # XXXX Dob XX/XX/XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. <P/>The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible HARD INQUIRIES XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX, Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXXXXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX , XXXX. Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX Please remove these inquiries from my credit report immediately. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: GA

Complaint narrative:
On XX/XX/XXXX, a Georgia State tax lien for {$460.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>On XX/XX/XXXX, a Georgia State tax lien for {$1000.00} was filed with the XXXX County, GA clerk of courts. Said tax lien is incorrect and was paid and released on XX/XX/XXXX. <P/>In addition, per Georgia Law, Once a tax lien has been paid and released, a tax lien must be removed seven years from the DATE IT WAS FILED.

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 2017-07-06 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my  report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all   XXXX   bureaus (  XXXX ,  XXXX  &  XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the   XXXX   credit bureaus (  XXXX ,  XXXX , and   XXXX    ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made.  I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
20 year ago I put some money away now I ca n't locate my money I put away with chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I contacted Carrington mortgage, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, because they were charging me late fees. I have NEVER missed a payment. They changed the payment amount in XX/XX/XXXX but since I was overseas I did not get the message. Apparently escrow analysis was done and they changed the amount of the escrow payment - making my full payment to fall short of what they were charging. The fixed rate principal and interest did not change - their analysis of the escrow taxes or insurance did yet they felt inclined to hold my payment " in suspense '' until the next payment arrived then " applied '' the previous payment. <P/>They held my money, not applying it to principal nor to my regular payment justifying charging me late fees. This seems quite unfair. They are refusing to waive or reverse any late fees even though I have made my mortgage payment to them without fail and on time for more than 15 years. <P/>Apparently Carrington Mortgage holds peoples money in their bank without credit or interest. This seems illegal to me. Please investigate their practices and charter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . I n  XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the major  Credit  reporting agencies resulting in our  credit score fa lling from the  XXXX    XXXX   to the  XXXX    XXXX  . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm ent (   XXXX   XXXX   XXXX   ) an d were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  Va  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 2017-07-06 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . The  loan was through  XXXX   XXXX . In   XX/XX/XXXX  our d aughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the maj or Credit re porting agencies resulting in our  credit score f alling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departm  ent (    XXXX   XXXX   XXXX   )  and were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  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 2017-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
To whom this may concern : My wife and I have finished our trial payments with Freedom Mortgage. I believe our modification is in the underwriter 's department. I have repeatedly tried to contact our single point of contact, finally today XX/XX/17 we were able to speak. My concern was we had satisfied our trial payments and what we needed to do going forward with additional payments. The single point of contact told us to continue to make monthly trial payments until Freedom Mortgage contacted us. Have n't we already satisfied that requirement. Some of your representatives told us to not make anymore payments until we heard back, we are most diffidently confused. Our main concern at this point is to have a clear understanding, preferably in writing what to do about making future mortgage payments until the modification is complete and all documents are signed, we also want to make sure that our payment history shows current on our mortgage while we are waiting for completion of our modification. Thank you for your understanding.

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 2017-07-06 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX had lost my payment and cashed it 2 weeks later. I wrote to them, called them, and sent proof of the cashed check. They submitted a report to the credit bureau saying that I was late anyways. I put in a claim with experian along with all of my proof of payments and also sent a copy to XXXX. Experian did absolutely nothing to research this and did not even look at my proof. XXXX contacted me saying that it was a different month instead and so I got the paid check for that month, They kept changing the month or making excuses as to why the credit report was right. I had absolutely perfect credit for 25 years. I paid every XXXX payment on time for 6 years. They refuse to help. Their customer service is incompetent and seems to lie just to get off of the phone. Experian has the proof that I paid in XX/XX/XXXX and yet the credit report says I was late in XX/XX/XXXX, I have the payments for XX/XX/XXXX and every month so someone should do something. Both companies are incompetent and it could be easily solved by fixing my perfect credit rating back to the way it was before XXXX 's mistake. I refuse to lease with them again because of this and am thinking of seeking legal action for both as they will not help.

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