vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/18 I received an alert on my credit report stating that Home Depot has inquired a hard hit on my credit report. I am very confused because I did not ask for a credit card or gave Home Depot permission to run a hard inquiry on my report. I did go to the store to purchase a car battery and the clerk XXXX stated that she tried to give me a 25 percent  discount off of the battery but she was unable to do so. I asked does she have a promo code and she said it wasn't working but she can give me a military discount of 10 percent but in order to do so she needed my id to verify it was me. When I got home a received an alert, so I believe the clerk XXXX at store number XXXX at XXXX XXXX XXXX, in XXXX, NY ran my credit without my permission and lied about that she needed my information to verify it was me receiving the discount. I am astonished that this has occurred so I wrote an email to the CEO expressing my complaint. I did not receive a response back from the CEO, but I did get an email from the credit company ( Citi Bank ) explained that my concerns were forward to them from CEO of Home Depot and they would look into my concerns, but phrased the email as I had gave permission to run my credit. I reiterated that I did not give permission and this is considered fraud. They again stated they would look into this matter and get back to me. As of now I have not heard anything and the hard inquiring is still reflected on my credit report. I would appreciate it if you can assist me in removing this hard inquiry of my credit report as I did not give permission to Home Depot to run my credit and this is unlawful. Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: OR

Complaint narrative:
I am, once again, contacting the Consumer Finance Protection Bureau to resolve a complaint of in-accurate mortgage information on the Experian Credit Bureau report. This is my 7th separate contact, with Experian, in this regard. My last CFPB communication was in regard to complaint number XXXX with a response from Experian that states the information, in regard to including my mortgage payments, can not be included because their credit grantors have not provided this information. In all my communication I have included a copy of our most recent XXXX XXXX mortgage statement for their review. Experian is suggesting they can not include this accurate information unless it comes from their source of information. I welcome the opportunity to forward this same information to their sources. Please find enclosed copies from my on-line Experian credit report for My Debt Summary showing real estate debt XXXX, and my Accounts Summary XXXX as well. This is in-accurate information provided on my Experian report, and I believe I am entitled to have accurate information provided for anybody to examine. It is worthy of note, this mortgage information is on my XXXX, and XXXX XXXX credit report, but not on the Experian. I am, also, including our most recent XXXX XXXX  statement to support my claim we do have a mortgage, and have had the mortgage since XX/XX/2006. I would sincerely appreciate any assistance to persuade Experian to show accurate information in regard to our credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX SXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2018-06-05 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:
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, Experian deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. Experian has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. XXXX and XXXX has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High  Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed down 4 different credit card accounts on XX/XX/2018, and confiscated more thatn 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the last 5 or more years. Citi did not provide me an explanation for closing of all the cards and did not provide me the capability to cash out my points. 

As a result, I would like to have a judge adjudicate on this matter. I would like from Citi corporate to provide the correct mailing address whereby I can serve them with the necessary paperwork. 

The mailing address has to be a XXXX California based mailing address as that is where I agreed on the cardholder agreement.

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 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
For the past three years I have complained about XXXX XXXX XXXX claiming that I owe money and that without providing proof or trying to contact me, they report this DEBT NOT OWED to my credit report. I never received such notice, bill, or any documents that prove that I owe this debt as I never had any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I sent a certified letter on XXXX XXXX, requesting debt validation or removal of two accounts from my credit report, listed by XXXX XXXX OF LOUISIANA, XXXX XXXX XXXX, XXXX, LA XXXX. The amounts were {$16.00} and {$170.00} I never received a response from XXXX XXXX as today, XX/XX/2018. These two accounts remain on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a fraud issue 7 or 8 years ago and put a freeze on all three credit bureaus. I now need to purchase auto insurance and my insurance company needs to look at my credit bureaus. 

So I need to temporarily removed my credit freezes. I was able to do this at XXXX and XXXX easily and was able to speak to a customer service representative at both bureaus even on Sunday XX/XX/2018 to resolve the few issues I had. 

The problem is I can not get the freeze removed from Experian. The website doesn't work and provides no options to speak to a live person. I have tried 5 different phone numbers listed below. Most bring me to the same machine that can not do this for me and like the website provide no alternative to speak to a live person. 
XXXX XXXX XXXX XXXX XXXX So my credit file remains locked and I am unable to get the car insurance I need as a result. This is without question the most frustrating issue I have dealt with in many years. This company has my credit file hostage and there doesn't appear to be anything I can do about it. 

I would very much appreciate any help you can provide me. 

Thank you

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 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
In XXXX, XXXX XXXX filed a claim or judgement against me for a debt that was very old. In XXXX I found out about the debt. During that year they also started garnishing my wages without notifying me. The amount I owed was a little over {$6800.00}. I've tried on multiple occasions to reach out to the debt collector to resolve the case but no one ever gets back in touch with me, they never follow up with a letter or email. They completely ghost me. This past Friday, XX/XX/XXXX, they levied my bank account and took over $ XXXX dollars. Since the beginning of this process, they've added on fees and I don't even really know how much money they've actually received because I can't get anyone to follow up with me. I feel like I've been taken advantage of and I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 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 explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was notified by one of my banks that the limit on a credit card was being decreased due to information on an XXXX credit report they just received. When I got that XXXX report, I saw that XXXX XXXX had reported negative information -- alleged non-payment and closure of a credit card. I NEVER applied for that card and never knew anything about it. When I spoke with the Synchrony representative, I was informed that the person who opened the account was in Florida, had no telephone number, no email and an " odd '' address. You would think this should have alerted the bank to suspicious circumstances and caused them to do some investigation before opening the card. I live in California and my credit reports from the three agencies have been flawless of decades and contain my correct address etc. When I requested that Synchrony fix this, they told me it could not be done in the 30 period I requested. As I understand it, they are required to look into this and cure it within 30 days. I want to report this failure and also the fact that I NEVER received any notice from XXXX XXXX that they were putting negative information on my credit report. This, too, is a violation of both the California statute and the federal statute. I would like the CFPB to open an investigation into both the improper diligence work by XXXX XXXX and their failure to follow the state and federal statutes for the correction of this situation.

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 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have written more than one letter to XXXX XXXX most recently in XX/XX/XXXX, about many of my payments not being accepted towards the Public Service Loan Forgiveness ( PSLF ) program. I have been employed in a public service capacity since XXXX, and have made sure to remain in a payment plan that was qualifying since the inception of the program. I have even highlighted some of the payments I have made after receiving records of payment via the XXXX XXXX XXXX via a FOIA request, enclosing them proof of payment. 

Despite these repeated inquiries to XXXX XXXX, I have not received any response whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and XXXX XXXX on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and XXXX XXXX have failed to provide valid proof of debt. XXXX XXXX stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: AES/PHEAA
State: NC

Complaint narrative:
The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: CA

Complaint narrative:
XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: MD

Complaint narrative:
I previously tried to have the 3 CRA 's to update my credit report showing the deletion of my Discharged CHXXXX and all accounts that were associated. On XX/XX/XXXX, XXXX deleted and removed item from their credit report. ( Report # XXXX ). According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items below must be updated to reflect the deletion of the bankruptcy. XXXX has updated credit report showing their deletion of bankruptcy but not the accounts associated to the bankruptcy below. Transunion and XXXX   has not deleted discharged CHXXXX or accounts associated. 

Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$520.00} Limit {$520.00} Terms Revolving Account Name XXXX XXXX Account # XXXX Account Type Mortgage Companies Balance {$240000.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$1700.00} Payment Status Current, was past due 30 days High Balance {$0.00} Limit {$0.00} Terms 480 Months Comments **CONSUMER STATEMENT** PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE Account Name XXXX XXXX XXXX XXXX Account # XXXX Account Type Credit Unions Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Debt included in or discharged through Bankruptcy Chapter XXXX High Balance {$0.00} Limit {$0.00} Terms 72 Months Comments **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED

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