vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi is refunding {$330.00} XXXX to its credit card customers XXXX XXXXXX/XX/2018 XXXX XXXX If you have a Citi credit card in your wallet, you may be owed some money as part of a settlement that Citibank has reached with the Consumer Financial Protection Bureau ( CFPB ). 

RELATED : What happens to credit card debt when you die? 

The CFPB said that Citibank failed to reduce the annual percentage rates ( APRs ) on some customers credit cards : As described in the consent order, the Bureau concluded that Citibank violated the Truth in Lending Act by failing to reevaluate and reduce the annual percentage rates ( APRs ) for approximately 1.75 million consumer credit card accounts consistent with regulatory requirements, and by failing to have reasonable written policies and procedures to conduct the APR reevaluations consistent with regulation. 

Under the terms of the consent order, Citibank must correct these practices and pay {$330.00} XXXX in restitution to consumers affected by them. 

Citibank self-identified and self-reported the violations to the CFPB, so no additional fines were assessed. 

XXXX reports that Citibank said the refunds will average about {$190.00}. Theyre expected to be issued to affected customers by the end of the year. 

In a statement to XXXX, the bank apologized to consumers for not correcting the matter sooner. 

According to XXXX, customers who are owed money from the settlement dont have to take any action theyll automatically be refunded. 

Read more about the settlement from the Consumer Financial Protection Bureau. 

I tried numerous times to get them to see there was several errors on my account. 
Based on this lawsuit I am due restitution. However, I have not received any information from Citibank regarding this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MO

Complaint narrative:
Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I AM INSTANTLY PUSHED OVER TO CORPORATE WHO I CAN NOT XXXX DUE TO MY XXXX XXXX AND IT IRITATES ME VERY MUCH. TIRED OF NO TIME FOR THE XXXX  AND XXXX XXXX XXXX AND BEING SCOLDED ALL THE TIME. 


THE PHONE LINES IN CORPORATE ARE HORRIBLE AND I CAN NOT HEAR THE PERSON ON THEIR VOIP SYSTEM AND THEY DO NOT CARE. 


TIRED OF BEING A PUSH OVER TO SOMEONE NAMED XXXX I CAN NOT HEAR. IT IS SO RUDE AND NASTY. 


THERE IS ONE LADY WHO IS SO RUDE AND NASTY TO ME. THE MEN ARE NICE, BUT SHE IS HORRIBLE AND MAKES ME A PUSH OVER ALL THE TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MD

Complaint narrative:
XXXX XXXX XXXX ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) ALL ON EXPERIAN/XXXX/XXXX   and disputed. 

I recently attempted to dispute them and informed " I can not dispute as I already have done so ''. Yet, these items remain on my report though disputed and XXXX XXXX and XXXX XXXX ( XXXX ) was included in my ch. XXXX ( discharged/paid in full ) XX/XX/XXXX ; remain as negative items on my report. Experian is not removing the items and say I can not dispute them, though they list nothing stating included in Ch XXXX and discharged. Since that is the case, I have been trying to get them removed as they are all over 7 years old to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Last Year around XXXX, I received a letter from XXXX XXXX XXXX regarding a student loan- I sent a debt validation letter to them and they sent me a contract but my signature was not on ANY of the documentation, the original lender was listed as XXXX XXXXXXXX XXXX XXXX XXXX . I called them to get more information but they refused and referred me back to the collection agency I disputed ted XXXX through the XXXX and this was removed from my credit report. This time I notice the Original creditor changed to XXXX XXXX XXXX which is now XXXX. I called XXXX while this was still in dispute and they had no record of any student loan from XXXX. XXXX XXXX send this to another Agency in XXXX of XXXX and I repeated the process and again it was removed again. I didn't hear anything from XXXX but received yet another letter in dated XX/XX/XXXX from XXXX XXXX XXXX regarding the same loan. i am exhausted this is affecting my credit an me completing my XXXX. This account is from XXXX!!!!! and it has not even been proven to be mine - How can they just keep sending it to different collection agencies and reporting like it's from XXXX. How can I protect myself and my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Beginning XXXX I have dealt with my current payment situation on almost a monthly basis. I have been paying on my student loans for over 10 years. Throughout that time on usually an annual basis, my information mysteriously goes missing and after a period of time just long enough to get my payment behind Navient miraculously is able to track me down. I have been told that my address was no longer valid even though I owned the home and had lived there for multiple years. I was told that I requested to convert to online billing ( which I did not ). The online billing " request '' event has happened multiple times. It is always just long enough for me to have to pay late fees and catch things up. I have several bills and I work a long hours and I do not always notice if I have received a particular bill that month but I pay everything that I receive. I applied for income driven payments since my payment was more than my mortgage payment. Each year there would be a delay and more costs so I signed up for a 3rd party company to navigate the paperwork for me. I am a full time instructor and have been since XXXX so I enrolled in 10 loan forgiveness. Due to inability of Navient to bill me properly I have now lost 3 years of consistent payments and have to begin at day 1. It all seems like a scam and I feel like I am being punished for wanting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I applied for a credit card with XXXX XXXX and recieved a letter that they pulled my credit report from a a company called " SAGESTREAM , LLC ", I'M extremely concern due to the fact this company i never heard of and they are not one of the Credit agencies allowed to provide this information. Also show my score at XXXX which is so wrong becuase my score is XXXX with XXXX  and XXXX and XXXX. 

I want my file removed from them and want to know who authorized them to put my information in their system ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
The documentation that is being sent back is not supporting the claims of your AMEX department. 

I have sent American Express over 30 pages of documentation collected, highlighted, notated multiple times. 

I have filed a dispute for the amount of {$2700.00} due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee  of {$290.00}. 

The result of the dispute is that Amex sends XXXX Documentation stating that they believe the claim is not legitimate and will not refund the cost. 

The dispute is not with XXXX. It is with AMEX due to your dispute agent advising on a recorded call from XX/XX/2018, to not pay the XXXX Arbitration fee of {$290.00} I have filed 3 CFPB claims and the response is that AMEX acknowledges the call was made and that We found that we could have provided you with a clearer response on the expectations of the dispute process and any outstanding fees you may have to pay to XXXX during that call. 

The documentation that is being requested from the dispute can not be provided to the dispute department due to : Please note, phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena How am I supposed to provide you with supporting evidence of the call when you won't release it without a subpoena? 

You confirm and acknowledge that the call exists where the dispute agent on XX/XX/2018 with explicit advice in plain English to not pay the arbitration fee. 


Why are my cases now being closed with the response I am no uploading supporting documentation, when the only documentation needed is internal to American Express? 

Attached is a PDF version of this letter with references to cases both opened with American Express and CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13 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: NY

Complaint narrative:
The following accounts have been disputed on these dates : XXXX, XXXX for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, XXXX , Experian XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: Real Time Group, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I filed a dispute with XXXX concerning an account that popped up on my credit report for Realtime Resolutions. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that XXXX had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from XXXX that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a 70 point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XXXX, I had questions, and, requested copies of checks written in XXXX and XXXX, XXXX. They could not find the 2 checks i, and, my attorney subpoenaed, they did find a {$13000.00}, and a {$7500.00} cash withdraw, a week apart. I NEVER TOOK ANY CASH ADVANCES, ONLY CHECKS. The fraud department took a fUllman application, and, concluded it was too long ago ...? During this time, they offered a forbearance during the investigation time frame. They lied, Sent my rental property into foreclosure, didn't tell me until XX/XX/XXXX, a week after my tenant advised me of a foreclosure date, of XX/XX/XXXX, next Wednesday. I just wired them the {$4200.00} past due. I was given a court ordered, 30 day mediation time period. They received my modification /refi pkg. On XX/XX/XXXX. They claimed it was less than 38 days before the sale date, thus for, null and void. I relaxed the application on XX/XX/XXXX, because, losing/throwing applications in the trash, claiming that they never received it, is standard business policy for Wells Fargo. Retaliation for the recent fines put on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: CO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13 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: CO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Received a Federal loan, Sallie Mae serviced in XXXX, for a XXXX Degree Program in XXXX XXXX XXXX. I am proud that I have finished my program and started paying my loans back, mostly through Sallie Mae. I Applied for loan during my education and have made every payment, every month, no late payments for 13 + years. I worked with a non- profit company XXXX XXXX and medical group in New Mexico for 10+ years duration. I called to apply for loan forgiveness, Servicing Company is Navient, the ( debunked Sallie Mae ). I get the run around, they want me to refinance my federally insured loan and state that I am not eligible for loan forgiveness? Thousands of us have gone to school, taking out federally loans and have paid and complied with requirements for loan forgiveness. We serve our communities and people. Shouldn't we get our deserved loan repayment? XXXX, XXXX providers are each day being held hostage to these loan servers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I finance a truck for XXXX after taxes and fees it rounded of to XXXX that's understandable after 4 years of paying them I asked why I still owe XXXX if the truck should of ben paid of I asked them for transactions in the past and finally after 3 years of asking them they emailed it out I saw that I have XXXX I have paid and they are misleading rude fraudulent business. 
I ben getting ripped off and harassed by this lender and just found out today there not even a bank like they told me in the beginning they have mislead us and every time theres a problem they just pass us on to a different representative like this is there tactics to miss lead and have us confused its a leasing department with nothing but complaint and bad reviews by there consumers look them up on XXXX heres there link https : XXXXXXXX XXXXXXXX nothing but the same story of us consumers being ripped off I cant believe that this is allowed I will like them to be investigated for fraud and misleading contracts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: MI

Complaint narrative:
I am complaining about XXXX and TransUnion credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as XXXX my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and MI XXXX and Govt # XXXX all need to DELETED and REMOVED immediately from my XXXX credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for Transunion, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!

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