vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 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: AES/PHEAA
State: NY

Complaint narrative:
Good afternoon, My servicer XXXX, American Education Services, sent me mailing about my deferment ending. I called in and spoke with a representative in XX/XX/XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into AES and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and have been reported as " Deceased '' by TransUnion for close to a decade now. At first, given my young age at the time, I did nothing about the situation, figuring that nobody would steal a dead guys credit information. Things change, and I am now a married man trying to purchase his first property, who has been maligned by a system every American must use, that operates almost exclusively outside the United States. 

Thrice, I sent supporting documents to their XXXX, PA XXXX. XXXX. The third, I was finally smart enough to send Certified. The Social Security form they request was mind scratching to the employee from that administration, but I obtained it and sent it, as well as the other supporting documentation supporting my continuing existence. Never once did this corporation work to rectify my situation within 30 days, as the law requires. That my goals in life are 100 % intertwined with the way this company operates is discouraging. 

I am now 41 days removed from TransUnion obtaining my certified mail containing each of the documents they requested, notarized, as well as copies of my college diploma and marriage certificate as further proof that I have not kicked the bucket. Today I spoke to an employee based in the United States for the first time. After looking up the case file, she told me to send documents to XXXX, PA! She then found the documents, which were forwarded to the " Maintenance Office '', who now " have 5 business days '' to open the documents. After all that, I will receive confirmation in the form of a mailed credit report 7 business days from when they ... rectify it, I suppose? 

What generation opted to give 3 corporations the say on our citizens value? This was a data-entry mistake, that is it. Who are these guys?

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 2019-05-09 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: TX

Complaint narrative:
In XX/XX/2019 I wrote, via mail, XXXX XXXX XXXX. 

On XX/XX/2019 XXXX XXXX, billing manager for XXXX XXXX XXXX ( now listed as XXXX XXXX XXXX ), contacted me via email in reference to two charges ( {$54.00} and {$29.00} ) showing on my Equifax report as unpaid collection accounts. I had cdisputed the validity of the charges and requested he remove them from collection. He said in his email he would investigate and get back to me. 

On XX/XX/2019 XXXX XXXX replied, stating the charges were billing errors on their part. He said he would request XXXX XXXX, the collection company, delete the collection. He said the CRA,   Equifax, should have it removed from my account in 30-35 days. 

On XX/XX/2019 I inquired of Equifax the status of the aforementioned action. They showed nothing in the works. I was told I could start a dispute and it would be resolved within 30 days. During that phone conversation I started a dispute ( # XXXX ) and later that afternoon faxed supporting documentation -- my email correspondence with XXXX XXXX. 

When I inquired as to status of my dispute XX/XX/XXXX, I was told the support documents never got put with the original dispute and that the original dispute had been closed out ( apparently as incomplete ). I was told another dispute would have to be started ( XXXX ) and it would take up to 30 days to complete. I suggested they rush it since it was their mistake the documents didn't find their way into the first dispute file. I told them they had until XX/XX/XXXX, the original dispute deadline and then I was initiating a complaint with the CFPB. 

So here we are. Any reasonable person could look at the email from the original creditor, realize it was an unfortunate error, and make haste to remove this damaging information from my credit report. But apparently reasonable people are not to be found at Equifax. This is very disturbing. 

I've attached the information sent to Equifax, including the time stamped cover page showing they received it on XX/XX/2019, as I stated. 

Thank you. Your organization helped me last year with a similar situation and I am very happy there is someone who can give us help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX ESQ.

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 2019-05-09 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX  XXXX ( XX/XX/XXXX,XX/XX/XXXX ) Exter finance ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX   XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There is a collections account listed on our Equifax credit report through XXXX XXXX. It is also showing as past due. This account is NOT in collections and is NOT past due ; no other agency is reporting this as collections or as a past due account. 

This was a reaffirmation of debt when we went through our bankruptcy and have been making the payments on time as scheduled according to the agreement. The reaffirmation was for {$12000.00} and the current balance is {$8700.00}. We've tried several times to dispute this with Equifax and they are not taking care of it. It's effected my credit negatively and I need it fixed. 

Equifax will not allow me to dispute this online, it keeps telling me they can't find " me '' and I have to call. I've already written and called months ago and this is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am ( Customer ) with Citibank Gold and Citibank priority for more than 20 years. 

XX/XX/2019 : Over phone opened 2 CDs both for 1-year terms, in the amounts of {$25000.00} and {$25000.00} respectively and funded through existing Citibank checking account. 

XX/XX/2019 : Money debited from checking account to 2 different CDs. 


XX/XX/2019 : Citi sends me a document to sign my signature and SSN. 
Customer signs and sends doc back to Citibank XX/XX/2019 : Citi receives customer signature doc and processes 1 CD successfully. Balance on CD = {$25000.00} ; No issues with this CD. 
2nd CD processed incorrectly. credited {$25000.00} and debited {$25000.00} to CD. Balance on CD = {$0.00} ; This is wrong. 
Customer visits local branch in California. Branch ( XXXX, XXXX ) advise customer to call XXXX New Accounts servicing. 

XX/XX/2019 Called XXXX ( XXXX ) who advises money of {$25000.00} to be available in the 2nd CD in 3-5 business days. Apologizes but asks to call back on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises no knowledge of the 2nd CD. Customer escalates, holds line for 1 hr, talks to supervisor XXXX ( in XXXX, KY ) who sends e-mail to new accounts -back office team, apologizes, ensures interest for all the citibank process failure will be credited after the " principal amount dispute is first fixed '' and asks customer to wait until XX/XX/XXXX. Promises to call customer on XX/XX/XXXX. 

XX/XX/2019 Called XXXX ( XXXX ) who advises 2nd CD is closed and upon customer insistence for 1 hr repeatedly asks customer to call New Accounts - Servicing only, shows so much indifference as this is a new account ( for an old customer ) reluctantly opens up investigation request XXXX. Informs customer that CD is closed and the funds of {$25000.00} + interest of {$65.00} will be transferred to customer checking account after investigation. 
Customer visits local branch again ; XXXX acknowledges problem, assures everything will be fixed eventually. 

XX/XX/2019 Customer called XXXX ( Supervisor XXXX in TX ) who is told about the same problem for 1 hr. She denies notes or updates from previous folks talked to. But acknowledges that there is the investigation request from XX/XX/XXXX and the e-mail from XXXX on XX/XX/XXXX. 

Here 's what I need : 1 ) Customer needs CD amount XX/XX/2019 for principal {$25000.00} and outstanding interest {$65.00} so far till XX/XX/XXXX =  {$25000.00} transferred back to his checking account. 

2 ) Customer needs Citibank to be fined ( or customer to be credited a decent sum ) for the hassle of talking to 10 different folks over a month for a simple CD.

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 2019-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Attn : Complaint Department I am writing to dispute the following information in my file. I recently received a copy of my credit reports. The credit reports showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX ( XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) Please remove these inquiries from my credit report immediately. I have enclosed a copy of my police report as proof of my identity. Sincerely, 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 explanation
Consumer complaint received 2019-05-09 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: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: AZ

Complaint narrative:
My complaint is against Experian. I have disputed a foreclosure with XXXX XXXX XXXX  XXXX XXXX XXXX that was reported closed in 2004 and after 15 years remains on my report? It is my understanding the longest period is only 10 years. They just keep saying that the account will remain on my report as is?

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 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for credit ( {$7000.00} ) and received a letter that I was rejected. I needed this for XXXX work. My XXXX nonetheless filed their claim for payment and they accepted it. 

Since I used this card, I made payments most oftentimes over the minimum amount. When they promotional period ended ( one year no interest ), I called them to get an understanding about it and was told that, " I'd be okay if I continued to make payments and would not have to pay additional interest. '' This was not the case as I was charged nearly {$2000.00} in interest charges. I'd paid it down to nearly {$4000.00} and I'm nearly back to where I started ( and should have been denied by them in the first place ).

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 2019-05-09 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: MI

Complaint narrative:
In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. 

After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX XXXX says that they sent ONE letter in XXXX of 2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.

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 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019 an identity thief transferred {$35000.00} out of my Citibank Checking account to an account at XXXX XXXX. Thief then withdrew all funds from XXXX XXXX account. Theft was reported by me to Citibank on XXXX.Citibank conducted a fraud investigation and on XX/XX/2019 declared they would not responsible for refunding me the money, stating XXXX XXXX was responsible. XXXX  XXXX  believes Citibank is responsible for refunding me the money. Neither bank is giving me back my XXXX THOUSAND dollars, instead they are pointing fingers at each other. 
I have filed a report with the FBI, the local police department and the New York State Attorney General. I believe Citiba is trying to offset liability to XXXX XXXX but the legal obligation to make me whole lies with Citibank.

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 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX / XXXX keep harassing me about an unreturned cable modem box, even though I have submitted documentary evidence ( XXXX Receipt ) that I did return the cable modem box. 

They have filed collections notices with the three credit bureaus even though I submitted them the proof. 

Now today ( XX/XX/2019 ), I get a call from another Collections Agency IC System Inc.

regarding this issue. 

I

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