vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-28 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX XXXX declined credit based on bankruptcy information being reported by Navy Federal. The bankruptcy was discharged in XX/XX/XXXX. 
I requested Navy Federal remove this information and they refused.

( The information from Navy Federal shows as 'Reaffirmation ' of a vehicle loan that was never delinquent and was paid in full/on time in XXXX under the original loan terms. ) Personnel at XXXX and XXXX advise that the 'Reaffirmation ' notation should have been removed by Navy Federal because it was signed in XX/XX/XXXX and clearly indicates information that was purged in XXXX. 
XXXX and personnel at XXXX, XXXX and XXXX advise that Navy Federal is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation ' is always indicative of a bankruptcy ; in this case, a bankruptcy that should have been removed from all direct and tangential references since XX/XX/XXXX. 

Here is the information from Navy Federal : Navy Federal Response XX/XX/XXXX : Thank you for your eMessage. Navy Federal records indicate that the loan account ending XXXX for the XXXX XXXX was reaffirmed during the bankruptcy process, and was paid/closed on XX/XX/XXXX. Please be advised that we are unable to remove legitimate account information from your credit report, as these details constitute your credit history and we are required to comply with federal regulations. Valid credit records may not be altered. Therefore, we are unable to grant your request. We regret that we could not provide you with a more favorable response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.

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 2018-07-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted XXXX XXXX using the CFPB PORTAL on XX/XX/2018 to validate a car loan and they have still not sent any paperwork to me to validate the debt according to the FCRA Furnisher XXXX ( a ) the furnisher have 30 days to validate a debt when requested by consumer or it most be removed if not validated in that time frame.Time frame has pasted 30 days Remove from my credit report immediately debt not valid.

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 2018-07-28 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: NV

Complaint narrative:
I've been in contact with Equifax this regarding the disputes I've reported to them that falls unders SCRA and provided ample documentation for Due Dilgence on the accounts I've reported to them and also had to resubmit additional disputes today also once reviewing the account status that they weren't included in the original submission I've contacted Equifax numerous times to verify the accounts status along investigating the accounts properly and verifying that the creditor is reporting the accounts accordingly with federal guidelines and again they are not. This has continued to be mental anguish, stress, XXXX XXXX alot of sleepless nights. I've exhausted all avenues to resolve my accounts with them and creditors to hand the accounts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: NV

Complaint narrative:
XXXX XX/XX/XXXX I spoke with a collection rep for XXXX XXXX regarding my account that is being garnished through my Social Security check that this account should have been included under the SCRA the rep became very rude I asked where to submit my documentation for my SCRA dispute and I emailed the collections department to discuss my the discrepancies. 

XX/XX/XXXX I spoke with a supervisor named XXXX in customer service when the conversation started out she was understanding of the situation when I asked to speak with upper management regarding the services of how the companies handles Due Dilgence she became very short and rushing me off the phone this business practice of working with servicemembers is poor customer service XX/XX/XXXX to XX/XX/XXXX I had 2 other accounts that I paid on time and paid off. This is so sad that they treat there customers this way. All I '' m trying to due is get this matter resolved and go on with my life they don't listen to customers at all.

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 2018-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is in violation of CA laws barring contribution to 2nd lien holders in short sales. Chase is also in violation of debt collections practices act on a discharged debt. There needs to be an immediate investigation into Chase 's practices of unethically extorting cash from non debtors on debts that have been charged off. 

At issue is a short sale request that submitted to Chase on XX/XX/18. At the time the short sale was submitted we were notified by Chase, ( the 2nd lien holder ), that they were in the process of doing a lien release on the property. Once Chase discovered that the property had an offer they decided to change their mind and remove the debt from lien release. This debt is tied to a debtor who did a Chapter XXXX bankruptcy and there is ZERO equity on the property due to the amount owed to the 1st lien holder and delinquent taxes. The fact that Chase removed the debt from the lien removal process once they discovered there was a pending short sale is unethical however the issue is the fact that Chase is trying to illegally require contributions on this short sale whereby they were they will receive XXXX dollars should the property go to foreclosure auction on XX/XX/18. 

Chase was offered a very generous XXXX from 1st lien holder for their lien that has zero equity. Instead of doing what is ethically required Chase came back and demanded an outrageous amount of {$210000.00}. This obscene and illegal demand is outrageous. Chase has concurred they have ZERO equity on the property. Chase advised they were in the process of doing a lien release for XXXX dollars. Now all of a sudden they are illegally trying to demand outrageous contributions of {$210000.00}. There needs to be a class action suit for this type of egregious extortion tactics. CA law does not allow seller to contribute on short sales and the seller filed Chapter XXXX. The fact that Chase is demanding a contribution is in itself illegal. Demanding that a buyer of a property that has no obligation to another party 's debt pay an outrageous demand is insulting and causes real harm to buyer for which they have the option to seek legal relief. Chase needs to accept what 1st lien holder has offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Around XX/XX/2018, I received a letter from Portfolio Recovery Associates in regards to a debt they acquired from XXXX XXXX, accounts ending in XXXX and XXXX. Within 30 days I responded with debt validation. During the period of dispute Portfolio sent a letter on XX/XX/XXXX attempting to collect. Violation # 1 per CFPB. Letter is  attached. 

https : XXXX Portfolio can NOT deny that I sent a letter to dispute because on XX/XX/XXXX their Dispute Department sent verification documentation which asked if I would like to request additional information to VALIDATE. 

Only XX/XX/XXXX Portfolio Recovery sends out a letter stating that they have reviewed my dispute and WRONGFULLY used FCRA to consider this matter closed. 
They also state that if they receive anything else regarding a dispute they will considered the inquiry answered. Letter attached ALSO, on  XX/XX/XXXX stated in letter that they previously requested additional information so that they could complete their investigation. THIS was sent THREE days after the letter I received on XX/XX/XXXX. In this letter they state that they will not complete the investigation. Letter attached HOW CAN A CONSUMER RESPOND TO SEND ADDITIONAL INFORMATION IN A THREE DAY TIME FRAME? 

Portfolio has not only violated my rights under FCRA but have also violated FDCPA laws. This company is using unethical and shady tactics to deter the dispute process that I have EVERY right to as a consumer. How am I suppose to handle said alleged debt if the company is not in compliance from the start?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bristlecone, Inc.
State: RI

Complaint narrative:
I have XXXX XXXX by XXXX XXXX and XXXX XXXX they call non stop and neither one is mine. Ive disputed multiple times with XXXX XXXX   as well as credit repair. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.

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 2018-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citigold account with Citibank in XX/XX/2018. I opened the account due to the promotional offer of opening up an account, completing certain activities and receiving a {$700.00} cash bonus. The activities as advertised on the advert where complete ( 1 ) {$1000.00} or higher ATM card purchase, complete ( 2 ) bill pays ( 1 ) per month for the first ( 2 ) months. 

I completed the ATM purchase on XX/XX/XXXX for the amount of XXXX. I completed the first bill pay on XX/XX/XXXX for XXXX, and I completed the second bill pay on XX/XX/XXXX for XXXX. 

On XX/XX/XXXX I called Citi in regards to the bonus, and they stated that I had not completed one bill pay. Apparently the bill pay towards my Citi CreditCard did not count. When I opened the account, I was not told that any payment to my Citi Credit Cards from this account would not be valid. 

I proceeded to close my account to the fraudulent advertisement that I received.

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 2018-07-29 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: CA

Complaint narrative:
In XX/XX/2018 I opened a Citi Double Cash Card. I received an advert in the mail stating that if I signed up, I would receive a APR of 17.99 %. I applied for the card, and was approved. However, I forgot to submit the promotional code since I applied while at work, away from home. 

I called Citi about the issue, and received a letter in the mail stating that my current APR 23.24 % was the lowest I could receive. I asked for clarification, given that I had an advert stating I would receive 17.99 %. I did not receive a response to this, just a letter stating my current 23.24 % was the lowest I could receive.

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 2018-07-29 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 in ROUND 2 of asking the company to VALIDATE the accounts reported as ADVERSE. They tell me the account has been VERIFIED without showing me PROOF that they have information on file that bears my SIGNATURE. They don't have any proof that they have VALIDATED the debt is indeed MINE. If they do not have PROOF they have to remove it. I have been very specific in my letter. 

NOTE : They have until XX/XX/XXXX to prove this to me in round 2. They did not prove anything via ROUND 1

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 2018-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
on XX/XX/2018 I purchased a kitchen at the Home Depot in XXXX XXXX, Puerto Rico. They told me that in 60 days the kitchen will be ready to be mounted in my home. Is XX/XX/XXXX and I don't have anything. I went in XX/XX/XXXX and XX/XX/XXXX asking for the kitchen and they said : " it's on his way ''. In the begining of XX/XX/XXXX I went to ask again and they said that some cabinets were broken and were on the way to the store. At the end of XX/XX/XXXX I went and the cabinets weren't at the store.When I requested a refund for the kitchen they ask me for an opportunity to fix the problem. I requested that they have until the end of XX/XX/XXXX and they agreed and gave me a {$660.00} credit. 30 days later the cabinets were broken again and they don't want to refund me the money that I paid with the Home Depot Credit Card. I requested the refund because it's been 7 months and I don't have anything.

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 2018-07-29 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I had noticed that my credit had been hit with a hard inquiry that I have never heard of called, XXXX on XX/XX/2018. I tried to call the office number provided and I have not been able to reach anyone. Upon research I found that this company has hit many others credit and I would like this removed. Please help. 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 explanation
Consumer complaint received 2018-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the second week of XX/XX/2018 I applied for a personal loan from Citibank for {$12000.00}. 

I have had an account with Citibank for more than five years, and have had two loans with them, one paid off in full, the second with less than 1/3 of  the balance left on it. 

Perhaps the most foolish thing I did was listen to the advice of the XXXX personal banker at the bank. He gave terrible, misleading advice throughout, and it's obvious at this point that his chief priority was to get his share of whatever bonus is offered from him making new loans. 

The loan came back as approved for {$10000.00}, and he started celebrating the loan approval. But after a few seconds of celebrating, he realized that he had not pressed the right key, and the loan was assigned to an underwriter. He was surprised, and said it was a formality that occasionally took place to make underwriters useful in their work role, and that it would take a few more days, but then at that time the loan would be approved. 

A letter was mailed out to me telling me of my approval, saying that some additional documents were required within 15 days. The documents were tax returns from the last few years, all which confirmed income that far exceeds the nominal scope and amount of the loan. The pathetic personal banker failed to mention this information before I left the branch, and I told him I was going out of town for ten days. By the time I returned and sent in the tax forms that had been requested, the application had been put on the fast track for rejection, and it was obvious when I called in to check on its status, and a total pathetic XXXX answered the inquiry, that this XXXX bank had any intention of honoring the loan approval. 

In conclusion, Citibank is a pile of garbage that hires really XXXX people to work for it. I'm sure this has to do with other factors such as the particular demo and traits of who gets approved for loans, and it is something I will keep in mind as I wind down my dealings with this fast-failing institution for losers.

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 2018-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: General Information Services, Inc
State: NY

Complaint narrative:
On XX/XX/2018 i applied for a job at XXXX XXXX as an XXXX XXXX XXXX out of XXXX TX. On XX/XX/XXXX, i was given a verbal job offer from a hiring manager on condition of passing a XXXX screening and background check. I received an email from General Information Services asking that I provide my driver license number and social security number. A week later, I received an email from General Information Services requesting I sent a copy of my foreign passport from XXXX. I then received a form asking for my consent to run an international background check. The form asked for me to provide my XXXX National ID number. It is unclear what led GIS to believe i was in possession of a foreign passport and national ID number ( other than for discriminatory reasons ). I provided all requested documents and was told it would be investigated. I called several times to check on the status of my report, as international background checks are known to take some time. Each time I was told they had no information and were not required to provide me what they had. Eventually, on XX/XX/XXXX, I called the office of GIS and requested that I receive a copy of my report as it had taken more than 30 days and I was no longer interested in employment at XXXX because I was told I could not start if the background check was not finished. I was told a report would be sent to me and subsequently one was never sent, This is a violation of the FCRA and it is my fervent belief that I was discriminated against because of my religion and ethnic origin that I was forced to provide extra documents.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation