vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern ; On XXXX XXXX, 2016 I applied online for a Citigold Checking Account with a promotional code that offered a promotion of XXXX bonus XXXX miles after setting up a bill payment for at least 2 consecutive months and after making at least {$1000.00} in debit card purchases. To ensure that the promotion was applied to my application I called on XXXX XXXX, 2016 and received verbal confirmation from a Citi representative that the promotion was in fact applied to my application. After fulfilling all of the required criteria to receive the bonus I waited a few months for the bonus to be applied to my account, it was never applied. I called Citi the end of XXXX and a representative told me I had fulfilled my end of the contract and that if I had not received the promotional airmiles by the end of XXXX to please call back and it would be taken care of. When I called back they said I had to open an investigation and claim ( not specific ) and they would be in touch with me in 72 hrs. So I subsequently opened a claim regarding the issue. 
I did n't hear back and called XXXX. Their response was that I was not targeted. However, I argue that they accepted and approved my application with the proper promotional code and I opened a Citigold account under the assurance that the promotion and bonus would be applied. They continued to do business with me until I called and asked about the bonus and at that time they told me it would not be issued. This is bad business practice and is unacceptable. I was never told about the " targeted '' restriction and they accepted the application under the promotion. 
I am not sure why this is happening but it is definitely not building good customer care. Since then my coorespondance has been anything but positive.. they keep reminding me that I was not " targeted '' when others that I have talked to were not targeted either and they received the promotion but not until confronting them several times. I had high hopes to have them manage our inheritance but I wanted to see how they did by living up to their commitment with this promotion. Can you please help me rectify this misrepresentation? If you need any other information, please let me know. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX, XXXX the vendor attempted to bill for services and used a wrong address and telephone number, confirmed by XXXX the bookeeper XXXX. All vendors were paid by XXXX, I have never received any written communication from the vendor proving the insurance carrier has not paid the supposed outstanding amount

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XXXX XXXX, 2017, I discovered Creditor, MABT/ContFin ( XXXX XXXX Credit Card ), and Equifax have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Equifax re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Equfiax XXXX ( XXXX Credit Card ) Item Status : Item latest removal were on XX/XX/XXXX and XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 

As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed this item several times with all XXXX credit bureaus and they have not updated information. I would like this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: MT

Complaint narrative:
A credit inquiry was done on me today which I did not authorize by CredCo out of 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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed an account with Equifax that was discharged on my Chapter XXXX. We have completed and received our discharge on XXXX 2015. One of the debts included was our XXXX mortgage from XXXX XXXX XXXX XXXX. It is being reported as a charge off when it should be reported as included in bankruptcy and should show closed. This loan was avoided upon completion of our Chapter XXXX and was not even a charge off prior to us filing Chapter XXXX. I have sent court docs to Equifax and XXXX XXXX XXXX XXXX and the charge off is still showing. Is this not a violation of some kind?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MP

Complaint narrative:
this is not mine XXXX please remove from all XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau : In Re : block access to credit reportThe reason for me filing this complaint with your agency is due to Equifax blocking me from any access to my credit report. When, I tried to filed a complaint through the Equifax web site using the confirmation number supply to me, my credit file is empty. It does not display nothing under the personal information, accounts, negative information and inquiries for me to dispute. Equifax has completely block me from having any access or pulling my file using XXXX are any other source. I can only check the status of my pending disputes ; not file a dispute. I greatly appreciate your assistance in investigating this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Complain letter. 
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company supposedly has on file that was used to verify the accounts and inquiries that I have disputed. Being that they have now gone 30 days and STILL can not verify these under accounts or inquiries under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete ALL information which can not be verified that I have disputed. Please resolve this matter as soon as possible as I am prepared to take legal action if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
I was tricked into being hired by this work from home company. They called themselves XXXX. The contact I dealt with was named XXXX XXXX, which is probably a fake name. They he told me they would pay for the expenses for me to start. A couple days later i received a check. I deposited the check which was addressed from another company ( XXXX, and XXXX ), and under instructions by my contact with this fake company I withdrew about XXXX dollars and transferred it to this other person. This is a scheme and they took advantage of someone who needed a job. I want to know if i can retrieve this money back to pay back then bank when the check does not clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent Equifax a request to remove a Tax Lien from my credit report. The Tax Lien has been withdrawn by the IRS. I forwarded all documents to Equifax to document my request but they still did not remove it from my credit report. I need to have this item removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I am attempting to refinance my home with a new mortgage lender under the HARP program, and have requested a payoff quote from my current mortgage lender, Seterus. I requested this information on XX/XX/XXXX through their online request form, and again XXXX on XX/XX/XXXX and XXXX. To date (Sunday, XX/XX/XXXX) I have not yet received my payoff quote from Seterus, despite Federal regulations that I was to receive it within 7 business days. This is jeopardizing my ability to close my mortgage refi with the new lender by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
About six months ago, Equifax deleted XXXX auto loans I had from my credit report before the loans were paid off. On XXXX XXXX, XXXX I contacted Equifax about removing XXXX XXXX XXXX accounts that were originally opened in XX/XX/XXXX. Equifax informed me there was activity on the accouns in XX/XX/XXXX, therefore could remain on my credit report for seven more years. Now, they want remove these XXXX negative accouns that are over 20 years old, but they remove accounts that are n't even paid off yet. How is this not against the law? The auto loans were thru XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
We received a Loan with Seterus INC for the orginal value of {$390000.00}. We were paying PMI of {$300.00}. We refinanced through HARP because we wanted to get lower interest rate and shorter term ( 15 years ) and to be able to cancel the PMI sooner. No appraisal was done and we refinanced through Seterus Inc for the original loan value of {$390000.00}. I requested PMI to automatically terminate as of XXXX XXXX, since our LTV was below XXXX %. They are now saying that because we refinanced through HARP, our PMI does not automatically cancel until XXXX XXXX. We never changed the loan agreement based on the Original Loan value of {$390000.00}. Now, Seterus Inc is asking us to buy an appraisal for {$350.00} to assess the current value of our home. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I applied for a business loan through a bank and they pulled my business credit report Business name is XXXX XXXX XXXX XXXX XXXX # XXXX there is something listed which is unknown to me, I believe placed in error on my business credit file. It also appears to be outdated and past the statute. I need help. I tried to call Equifax and can not get anyone one on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting judgement that I have been disputing for several months and still on my reports I do n't get any response from Equifax I need help judgement not mine and I do n't know how anyone can report something on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE CREDIT ITEMS ON MY CREDIT THAT EQUIFAX REFUSES TO PRODUCE ORIGINAL DOCUMENTS THAT PUTS ME WITH THIS LOAN OR CREDIT ITEM THIS ITEM IS NOT MINE, THE CREDIT REPORTING AGENCY EQUIFAX HAS BEEN NOTIFIED NUMEROUS TIME AND REFUSES TO REMOVE ITEM FROM CREDIT FILE THEY JUST TELL ME THEY INVESTIGATED AND NO CHANGE, I REQUESTED FROM THEM THE ACCUAL PAPERWORK THAT IS SIGNED TO THE CREDIT ITEM ON MY LOAN AND THEY HAVE REFUSED MY REQUEST NUMEROUS TIMES I WILL CONTINUE TO FILE COMPLAINTS UNTIL THESE ITEMS ARE REMOVED, THE ITEMS ARE XXXX XXXX THAT NOW HAS GONE INTO CHARGEOFF STATUS KEY DEROGOTORY BECAUSE I DONT GET A BILL BC ITS NOT MINE SOMEONE TOOK OUT A {$20000.00} LOAN IN MY NAME AND IAM NOT GETTING ANY PAPERWORK ON IT AND EQUIFAX REFUSES TO SEND ME ANY BC IT DONT EXISTS WITH MY NAME ON IT, AND EQUIFAX KNOWS IT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has ignored my request to provide me with their verifying information they said is on file. It 's been past 30 days and they have not been able to verify the information. They are required to do so under section 611 ( 5 ) ( A ) of the FCRA or promptly delete all information. Please resolve this matter asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am the sole owner of a XXXX that has been in business 36 years. Equifax Commercial Solutions continues to provide inaccurate credit reports to potential creditors. Worse yet, they refuse to tell me what companies are providing negative reports - they simply say things like " Business Lease '' or " Trade Account '' or " Commercial card ''. 
I have repeatedly requested that Equifax tell me who the creditors/vendors are so that I can confirm that these are my accounts. However, they refuse to do so. Attached is a copy of their most recent response which states that they will not identify the reporting companies. Therefore, reporting companies can continue to provide incorrect information and I can not find out who is making these incorrect statements in order to get them corrected. 
Meanwhile, Equifax Commercial Solutions is providing a false picture to my potential creditors and damaging my opportunity to establish accounts. 
Before submitting this report we called CFPB and were assured this request can be dealt with by CFPB. 
The following key documents are attached : XXXX XXXX, XXXX - my first letter to Equifax Information Services informing them there are errors in the credit report and requesting they correct the errors. 
XXXX XXXX, XXXX - my second letter with a list of discrepancies and a request they correct the report. 
XXXX XXXX, XXXX - my third letter detailing continuing errors in updated information they sent me on XXXX XXXX. 
XXXX XXXX, XXXX - my fourth letter listing the remaining XXXX accounts that are still in error and requested name of the party making the report so that I could get it corrected. A dispute form was included for each account. 
XXXX XXXX, XXXX - my fifth letter requesting a response to my XXXX XXXX letter. 
XXXX XXXX, XXXX - an email I received from Equifax stating that they will not tell me what companies are submitting the incorrect reports for which I have filed dispute forms. The data I receive simply says " Trade account '' or " Business lease '' or " Commercial card. " This leaves me with no way to get the misinformation corrected. 
Fair resolution : Equifax Commercial Information Solutions immediately provide with the name of the creditor and contact information for each of the remaining XXXX unidentifiable accounts on the credit. report. Also, provide me with a specific person in Equifax whom I can contact for follow-up. 
I will attempt to confirm that each of these accounts is indeed mine and that the information is accurate. Upon receiving such verification or correction, I will notify the person Equifax Commercial Solutions has designated as the contact. 
Immediate action by Equifax Commercial Solutions to correct the report and promptly provide me a full copy of the corrected report at no charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.

Company response to consumer: Closed with explanation