vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 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: TX

Complaint narrative:
I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
I paid this collection immediately when I realized that I owed it. I was told at the time that it would be DELETED from my credit reports if I paid in full, which I did. 
This was in 2013. 
I have recently found out that it was still being reported to my credit reports that I have a paid charged off collection. 
I disputed this with the credit bureaus. XXXX and XXXX have since deleted the account, but it remains on my XXXX account, and they are refusing to allow XXXX to remove it. 
I did not know that I needed to keep my letter from Robinson Regean and Young bc I thought it had been deleted years ago. 
I have call Robinson Regean and Young also and they have basically told me thats to bad we dont have to delete it now years later. 

I want them to take this off my XXXX Credit Report bc thats what they told me they would do, in writing and over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: NJ

Complaint narrative:
on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In 2014 my credit cards and driver license and SSN information & cell phone was stolen. I filed a police report but I lost the police report is been 2 years. They used my credit cards and accumulated total of {$30000.00} dept. I called the credit card company but they told me I have to pay the depts around {$8000.00} on each card. I been trying to get a good paying job but I have collection accounts that are not mine and the sad part I cant get hired. Please help me out I cant move on with my life. 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 2018-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax as incorrect information on my credit report that they need to update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: LEXISNEXIS
State: MI

Complaint narrative:
I contacted Lexis Nexis two months and disputed a Bankruptcy for XXXX Dollars. They never sent me any information nor did they remove the inaccurate reporting. I did another Dispute called and talked to a XXXX who stated that court give them the information. He stated they have court runners, and they also have a third party they go through, but he couldn't give me that information. I told him he was violation my rights without verification he refused to do it. I wrote the court a letter, and they responded. They refuse to send me validation or proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Attention Equifax and if possible XXXX and XXXX Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I paid my credit card using bill pay. I have never been late on a payment. For some reason they did not pick up the payment. I submitted all proof for a year over and over again that I paid the card. The month after they did not pick up the payment, I paid the card in full minus the late fees, and increased interest. I have been a customer for probably fifteen years and never had any problem, the account was paid in full but they kept sending be bills and adding more interest. I dealt with them month after month for a year in writing. On XX/XX/XXXX I called and asked to speak to a manager. The man I spoke to understood my frustration and said I don't know how long it will take to resolve this, but if you send {$90.00} of the {$340.00} balance that is due, I will make it all go away. After, dealing with this for months, I decided to take him up on his offer. I have his name and reference #. To my surprise I got another statement today, XX/XX/XXXX with a balance due of {$60.00}. I tried to call them, but can not get through as I do not have the whole fifteen digit account number. I only have a partial number as the account is closed and I no longer have the card. You can not even talk to anyone, now with out a full card #. I am just done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: NC

Complaint narrative:
I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX as incorrect information on my credit report that they need to update

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 2018-02-22 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: TX

Complaint narrative:
This is a rebuttal to a previous complaint. 

i did not request to have collectors removed like you said in the last message ... did you even read what I wrote? 

I already did it myself!! What I want to know is how is it that I can remove items from my credit report but when i file a dispute with you all, BEFORE i tried removing them myself and you all rejected my dispute!!!

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 2018-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DRIVE NOW ACCEPTANCE LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a car for {$11000.00} at XXXX XXXX XXXX in XXXX, Illinois. I put down a deposit of {$2200.00}. The car had XXXX miles on it. 
I paid an exorbitant price for the car for the sole purpose of improving my credit rating. The salesgirl told me that my payment history would be sent to all three credit bureaus. At the time, there were many inaccuracies in my credit rating. 
Since then, I have never been late on a payment. I cleared up all 19 inaccuracies on my credit reports. However, the finance company is only reporting to XXXX  and refuses to report my credit history to either of the other agencies. 
On XX/XX/XXXX I called the finance company , Drive Now Acceptance LLC. I explained the circumstances to the representative. I requested that they report my ( perfect ) credit to XXXX and XXXX. The representative refused. 
Additionally, since my purchase, I have been diagnosed with a XXXX XXXX and XXXX and have had to stop working. My XXXX income and an early pension ( which will go down to almost nothing in four years ) only come to $ XXXX/month. I would like to trade down for a smaller car with smaller payments. Drive Now also refused to discuss that. 
On XX/XX/XXXX I spoke with someone from your agency and she suggested I file a complaint. 
I really hope you can help me with this. I need to sell my house and rent due to my financial circumstances but I can not pass a credit check by a potential landlord until my credit is reported to all three bureaus and no longer reads " unknown ''. 
The car was purchased at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Their phone number is XXXX. 
The finance company is Drive Now Acceptance LLC, located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. 
I still owe approximately {$6000.00} on the car because of the incredibly high interest rate. Please help me. I can't get a credit card or rent an apartment because Drive Now went back on the salesgirl 's promise to report my credit to the three credit bureaus. I have literally gone without food just to stay current on my $ XXXX monthly car payments. I don't have any family to help me out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Attention XXXX and if possible XXXX and TransUnion Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

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 2018-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Attention XXXX  and if possible Experian and XXXX  Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

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 2018-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I never had XXXX XXXX or XXXX ; the creditor who claims I owe {$460.00} and have reported to my credit as a collection. I disputed with credit bureaus in XX/XX/2017 and the result came back verified as accurate. Please help remove these items from my credit report. I don't know how the result came back verified-accurate being that I have never had any service with the creditor.

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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
I submitted proof to Experian that my loan with XXXX was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. XXXX continues to provide the wrong information. Over the past two decades, I have received multiple letters from XXXX, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, XXXX is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either XXXX or Experian to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was XXXX, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.

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 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
I had opened up my TCF checking and savings as not only did I have an account with them as a child, but by family has banked with them for over 30 years. Initial deposite was XXXX in both checkin nd savings. I then transfers XXXX, and prior to work I transfers another XXXX. I had direct deposite through my employer. Everything was fine. 
Superbowel weekend I took my fiance away for a relaxing " BAE '' cation. 
That following week, due to the fraudulent activity at The XXXX XXXX, I decided to leave, and stay at XXXX XXXX in XXXX Minnesota. 
I began to get alerts of a NEW device accessing my online banking.. 
I called TCF, and even message them on XXXX. Thursday I received notification of a deposite, and I assume that it was XXXX, and my expected pay check. During the next two weeks There were numerous transactions conducted that I never did. Stayed glued to my online account to watch the balance fluxuate. Each time notifying TCF. I was told not to worry, as it isn't real time ect ect and ect and was told to come in and get a new card. 
My checking account is now XXXX $ and my pay check would not be accepted via direct deposit, nor will my tax refund be permitted too. I am being told that I am to make the account good, and it is as though I am being punished because someone choose to have fun with my account. I filed the identity theft.gov, and provided all the information, as well as to the credit bureaus. 
I had a feeling as to the WHO was responsible for the unlawful transactions in my account, and yes gave that to TCF. They say that they care, but they are doing nothing to help! Everyday I reach out to them. It's not right to be takin advantage of as happened to me. I don't even know how I am going to pay rent. I couldn't even treat my fianc to XXXX. I'm not asking for much ... .I just want help. I want what was unjustly taken from me .... Nearly 2500!!! And I want to Be able to have my pay checks and tax return direct deposited as I have had set up. Please help me. I have filled out information on identity theft.gov

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation