vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I applied for a mortgage several weeks ago to find Equifax blocked my consumer file from lenders deleting my student loan and refusal to report credit items being reported by newly opened accounts through XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 



I submitted a dispute regarding the deletion of my student loan in the amount of {$1900.00} from my Equifax file XX/XX/XXXX. Contacted Equifax they stated I must submit request to Creditor. XXXX was contacted via phone and in writing. Result of XXXX investigation showed account was deleted by Equifax and to contact them in writing along with letter provided with results of their findings. Equifax claim creditor can not contact them to have account re-opened without my authorization. 

I've made several request to Equifax requesting XXXXt account to be reinstated over the last 12 months upon notice. Equifax denies all my request to reinstate account rather over the phone or in writing requesting that I send in my identification, social security card, and proof of residency over and over again. 

As of today XX/XX/XXXX Equifax state their is nothing they can do to report my student loan opened XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I bought a car and took out a loan in XX/XX/2018. I received a letter from XXXX XXXX today, XX/XX/2018, stating that my XXXX credit score was about 200 points lower than my XXXX  credit score. I was rejected for a loan because of this, and my credit score from a more reputable source ( XXXX ) took a XXXX point hit. XXXX did not provide a reason for the discrepancy, and contacting them would require me to send copies of personal documents, like my social security card and my driver 's license, through the mail. To the best of my knowledge I haven't had any delinquencies or late payments. There are many others who have had the same experience, and I do not trust this company enough to send them any documents. The score they gave me is extremely inaccurate, and I worry about future credit problems.

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 2018-08-23 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: CITIBANK, N.A.
State: ID

Complaint narrative:
Here is my verbatim secure message sent to Citi on XX/XX/2018 : " From : XXXX Subject : DID NOT RECEIVE PROMOTIONAL OFFER Date : XX/XX/2018 XXXX EST WE ARE BEING CHARGED INTEREST ON THIS ACCOUNT!!!!! WE INITIALLY SIGNED UP FOR THIS OFFER FOUR MONTHS AGO ON XXXX ( WHERE WE APPLIED ONLINE ). Highlights Click APPLY NOW to apply online or call XXXX TTY : Use Relay Service Earn {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of account opening 0 % Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24 % - 25.24 % based on your creditworthiness* Earn 2 % cash back on purchases : 1 % when you buy plus 1 % as you pay No categories to track, no caps on cash back, no annual fee* Balance Transfers do not earn cash back See additional details for Citi Double Cash Card {$150.00} Cash Back Offer WE DID NOT RECEIVE THIS DEAL IN ANY WAY AND ARE BEING CHARGED INTEREST RATES. I WILL BE CANCELLING THIS CARD ON XX/XX/2018 AFTER MY LAST PAYMENT IN FULL HAS BEEN MADE. I CALLED ABOUT THIS AND A REPORT WAS PUT IN ; HOWEVER, THERE HAS BEEN NO FURTHER COMMUNICATION FROM CITICARDS REGARDING MY COMPLAINT. I WILL BE CONTACTING THE FTC REGARDING YOUR PRACTICES. '' Here was their response, dtd XX/XX/2018 : " The application used to open this account disclosed variable terms that would be determined based on creditworthiness. The terms you were approved for were based on several factors, such as the information on your application and your personal credit report. The current terms are the best we can offer you at this time for your product. 

Although we have been unable to resolve this issue to your satisfaction, we do appreciate the time you have taken to communicate with us. 

Regards, XXXX XXXX Account Manager South Dakota I opened this online and took a screenshot of this promotional offer -- which was NOT received. In fact, I am being charged approximately " 21.24 % '' interest and in four months have paid in excess of {$100.00} for interest charges I feel were fraudulently obtained. This is not what I initially applied for. There would be no reason for me to change credit card companies ( with a lower interest rate than Citi ) but for this one being based upon their promotional offer. Then and only then, to find out the card was far worse than the one I cancelled.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Even though XXXX XXXX and XXXX deleted all of the unnecessary info. Equifax is still reporting a lot of wrong information, and On top of that I sent a police report to them of the identity theft done to me with student loans and they are still claiming that they are mine. Along with other relevant proof to show that the military paid for my entire schooling. And of course the necessary Identification materials. Which hasnt sent multiple times already.Even so all of the accounts that are negative are showing paid and closed And should be taken off anyway. Again they are showing wrong account numbers and wrong information all together however again I say it isnt relevant Because I sent a police report detailing the multitude of loans used under my name without my permission. 

Other companies to become included on this complaint are : 1 ) every one that just has finance as the company name and they are three 2 ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX 5 ) XXXX XXXX XXXX ( XXXX XXXX ) 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX XXXX ( XXXX  ) 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX XXXX  ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
We received the ATP from HUD in the begining of XXXX. We got the offer and everything over to Mr Cooper through equator after the 2 week marketing period. There were a few additional requests for documents and corrections and they were all completed. We have been waiting for responses and requesting updates since XX/XX/XXXX and I was told that NOTHING Has been done to the file since the XXXX. We have an offer that is compeltely meeting the ATP guidelines and our buyer is going to loose their ability to get a mortgage at the end of this month. I have been emailed and requesting updates with absolutely NO RESPONSES. Yesterday the XXXX XXXX emailed me to let me know that she is waiting for a variance ( that should not been needed being we have the ATP ) and that the client needs to be 31 days past due. This is untrue because we have a ATP. She is not properly working this file and her co worker at MR Cooper specifically told me she has not TOUCHED THE FILE since XX/XX/XXXX. We received the contract approval on the XXXX, there is no reason it should be taking this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have 2 Home Equity Loans with PNC. The payments are due on the XXXX of each month : {$660.00} on the primary and {$39.00} on the second. 

On XX/XX/18, I realized the auto-payments through PNC 's online payment transfer system did not occur on XX/XX/18 or XX/XX/18 as I had expected. I did not get a call and, since I use a separate checking account for loan payments only, I did not notice I had missed 2 payments. Once I did, I called customer service, went to the bank, etc., etc. I was told they would investigate the problem. 

I made 4 separate payments on XX/XX/18 ; two of XXXX and two of XXXX. I then made both payments on XX/XX/18, bringing my loans up-to-date. Eventually, I was informed that the investigation found that there was nothing wrong on the bank 's end and it was determined that I must have canceled the auto-transfers in XX/XX/2018. I was told it would not be reported to credit bureau. Since I didn't have any proof to argue that I did not cancel my auto-transfer, I moved on and continued to monitor my accounts online. 

Once I was up-to-date after the payments on XX/XX/18, I set up the auto-transfer online again except I changed the amount and frequency in hopes to get ahead on my loan. I set up bi-weekly payments of approximately half the amounts due XXXX {$330.00} and {$20.00} ). I ensured the payments would be paid so that the total amount due was paid before the XXXX. 

Therefore, on XX/XX/18, payments for XXXX and XXXX were paid to the loans. Then, on XX/XX/18, two more payments of XXXX and XXXX were paid to the loan ; total paid was XXXX and XXXX - made before the actual due date of XX/XX/18. Then on XX/XX/18, I got a call from PNC 's debt collection, informing me that I was behind on my payments by half. I went through each payment with the representative. She told me she could see that payments had been made and the accounts should not be showing as behind. She told me she would " put in a ticket '' to have it resolved and I should just keep making my payments as I had them set up. 

Also on XX/XX/18, payments of XXXX and XXXX were automatically transferred from my PNC checking account to the loans. And again, on XX/XX/18, two more payments of XXXX and XXXX were made - again totaling XXXX and XXXX, paid to the accounts before the due date of XX/XX/18. Then, on XX/XX/18, I got ANOTHER call from PNC 's debt collection department, telling me my accounts were both past-due. I attempted to go through each payment with the representative but this time she told me there were no payments made in XX/XX/2018. 

I have no idea what the problem is but I need it to be resolved, I'm sick and tired of having to deal with this every month!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with XXXX  XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of EQUIFAX and XXXX to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to EQUIFAX AND XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my EQUIFAX AND XXXX credit report. Also attached is a copy of my police report for your records. 

XXXX Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED EQUIFAX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENEDXX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with XXXX XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of XXXX and EXPERIAN to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to XXXX AND EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my XXXX   AND EXPERIAN credit report. Also attached is a copy of my police report for your records. 

EXPERIAN Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED XXXX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2018-08-23 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:
There are numerous errors on Experian Report XXXX we have been attempting to correct since XXXX. Below are the contact dates. These errors were corrected easily with XXXX and XXXX. 

Experian Contact Date of request ( s ) from Experian Website, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Text below is from the most recent letter sent XX/XX/XXXX. Along with this letter, images of proof of payment were provided. As of right now, it is impossible to talk to a living person at Experian for assistance. 

XX/XX/XXXX To : Experian Re : Inaccuracies on Credit Report XXXX From : XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX Please correct the following errors on my Credit report. I have attempted uploads of the attached files online on XX/XX/XXXX and received confirmation of the upload. 
On XX/XX/XXXX received an email indicating the investigation was complete but the account info was not updated. 
I followed up with a phone call to XXXX from XXXX XXXX on XX/XX/XXXX. She asked that the files be uploaded again but could not access the uploaded files. I am mailing hardcopies since the online system does not work. The attached proof of payment is irrefutable. These inaccuracies were corrected with minimal effort with the other two credit bureaus months ago. 
A hardcopy of this letter will be sent certified mail with return receipt. I will file a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX if these are not corrected promptly. Please contact me at XXXX or email XXXX with any questions. 

Please correct the 4 errors that follow. 

Proof of Identity attached : Image of NY state drivers license. 
Bank records. 





Error 1. XXXX XXXX account XXXX, XXXX opened XX/XX/XXXX was paid in full on XX/XX/XXXX. The Experian report still shows a balance of Error 2. XXXX XXXX, acct # XXXX date opened XX/XX/XXXX, was paid in full XX/XX/XXXX Error 3. XXXX XXXX XXXX, acct XXXX, opened XX/XX/XXXX, was paid in full XX/XX/XXXX. 











Error 4 XXXX XXXX XXXX, acct XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX, paid in full with check dated XX/XX/XXXX. Acknowledged as such by creditor in letter dated 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 non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ),  because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Tried to obtain report after credit denial.Equifax online services led me to print what was titled Equifax Credit File which was more advertisement for their credit score service rather than my report. Apparently my access to the report was timed out before I realized this wasnt my report at all. Customer service is a hamster wheel via online or telephone. I started an online chat today XX/XX/18 with customer service agent XXXX whos service provided me with a link back to the hamster wheel, then ended the chat. I thought I was entitled to a mailed copy my report should I be denied credit. Thank you for any help you may be in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: PA

Complaint narrative:
Greetings I have initiated a dispute with EXPERIAN to remove an unauthorized Inquiry they have failed to validated that I initated. I have asked and requested for EXPERIAN to respond with validated proof that I authorized this inquiry per the Fair Credit Reporting Act. I have provided requested documents to EXPERIAN including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditor to validate this unauthorized inquiry belongs to me. Below is the reporting Inquiry that should be Removed / Deleted from my  EXPERIAN credit report. Should you need any additional information please let me know. 

Reporting Inquiry : 1 ) XXXX - Date Filed : XX/XX/2018 Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The company " Transunion Credit Bureau '' charged me {$19.00} for a membership without my authorization. The website doesn't inform you that you will be charged for registering on the website. This company is a completely fraud and wants you money!! You can't hide any cost from people in order to trick them, it's not ethical 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 monetary relief
Consumer complaint received 2018-08-23 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: CA

Complaint narrative:
Agencies correectly report charge- off ( re disputed insurance claim ) XX/XX/XXXX Where they fail to comply with FCRA and other state and federal law is in showing activity on the account ( sometimes current or late payment, and or repetition of the charge- off info falsely showing as occuring in current month ) after the date of the charge- off NOTE : This is NOT a duplicate of previous CFPB complaints filed against the creditor, XXXX. This is also NOT an authorization for agencies to pursue this through their creditor dispute procedures. The agencies are specifically directed NOT to pursue this with the creditor. The dispute and complaint is NOT with the creditor, XXXX, but with the agencies- Experian , XXXX and 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 non-monetary relief