vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP
State: MN

Complaint narrative:
I discovered through my credit report that there was a balance on my US Bank credit card of {$5300.00} and late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not make any purchases on my US Bank card and when I called to dispute the charges, I was told by that agent that I needed to speak with a particular person that was handling the account and I left that person a voicemail numerous times throughout the last couple months and haven't received a reply. 

Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$5300.00} Highest Balance {$5300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$620.00} Times 30/60/90 Days Late 1/1/1 Remarks Account closed by credit grantor 120 Days past due Payment History Latest Status : 120-149 Days Late XX/XX/XXXX 60 90 XX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK 30 XX/XX/XXXX U U U U U U U U U OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U J F M A M J XXXX XXXX XXXX XXXX XXXX XXXX 60 60-89 Days Late 90 90-119 Days Late 30 30-59 Days Late U Unknown Credit Utilization*106.66 %

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 2018-04-29 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: IN

Complaint narrative:
Citibank is making law-abiding gun owners, who have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups targets by denying them services simply for exercising their rights under the U.S. Constitution and laws. 

These efforts create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business because of their purchasing or using legal firearms dealers or suppliers for their personal use. 

Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. 

No American should be treated as a scapegoat for someone elses crimes by denying them credit or use of their credit to legally purchase firearms for which they are legally entitled.

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 2018-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

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 2018-04-29 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: MO

Complaint narrative:
I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

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 2018-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

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 2018-04-29 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I was a victim of identity theft. In XX/XX/2017, Mariner Finance made a loan of greater than {$5000.00} in my name to a person who impersonated me. After I was notified that I had a delinquent account with Mariner Finance, I filed an affidavit with them explaining the situation ( with a police report ) and have been told for months that they are investigating the situation. However, they continue to tell the credit reporting companies that the loan is delinquent which is hurting my credit score. Every time I e-mail and call, they say it will be fixed shortly but it has not. It has been more than 6 months at this time.

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 2018-04-29 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: GA

Complaint narrative:
On XX/XX/XXXX I ask for a PIN Number involving my Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through fouXXXX more Equifax Confirmation Numbers after asking for a PIN Number to my Equifax Credit Freeze Report. And after asking for a Pin Number to my Equifax Credit Freeze Report. And after five tries one Equifax Representative stated on XX/XX/XXXX, that a creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

This iswas totally incorrect, wrong. I, XXXX XXXX left XXXX, TX on XX/XX/XXXX and moved to the XXXX XXXX XXXX, in XXXX XXXX, GA. And my address was and has been XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX , GA XXXX since XX/XX/XXXX. Then I asked WHICH CREDITOR? 

Even my XXXX XXXX XXXX as well as the Veterans Administrations are aware of my address change since leaving XXXX XX/XX/XXXX. And I have received appointment notices to my XXXX XXXX, GA Address since moving to this address. 

And what is so troubling about these five tries is that my address information has been compromised by a clandestine creditor, one made up by operatives involving the false traffic alleged citation from the lying XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, TX. 

And what makes this so ridiculous is that Equifax sent me my XX/XX/XXXX XXXX  Score to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. My First legal name was XXXX which was changed XX/XX/XXXX. However, both the XXXX as well as that of the XXXX XX/XX/XXXX reflects the same first name. So how is it that a clandestine creditor can report my current address and change it to my old XXXX TX Address. Thus the privacy and the communications of an address change has been fraudulent done via the permission of Equifax without notify me nor sending any information that my address has been changed since XX/XX/XXXX from being my XXXX, GA address to that back to my old XXXX XXXX XXXX address. 

This is criminal and I want to be highly compensated by Equifax in the sum of XXXX  XXXX ( XXXX XXXX Dollars ) for their actions of allowing my privacy to be violated. So who is this unknown clandestine creditor that involved knowing my PRIVACY as well as pertinent information. Whom was allowed to change my address without me, XXXX XXXX knowing about it and agreeing with the change. 

Plus, Equifax has failed to reveal who this XXXX creditor is that violated my privacy as well as my Personal Credit Information. This is criminal and I blame Equifax for allowing such without a consent and agreement by me XXXX XXXX of the XXXX, GA Address. 

Because all of my CREDITORS including the banks whom I have credit cards with as well as Department Retailers, XXXX  XXXX, XXXX and the U S Postal Service. All knows and are aware of my current address as being XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/XXXX, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.

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 2018-04-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/18 a check and letter was sent to Capital One. The letter and check stated that upon cashing the check they were entering an agreement to delete the debt from the three credit bureaus, a pay to delete. The check was cashed, electronically but they refuse to delete the debt which was agreed upon!! They refuse to cooperate with an agreement they entered once they cashed the payment. This is unfair to me, the consumer. I would expect such a reputable company to honor such agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NC

Complaint narrative:
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/18, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.

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 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
This all happened from the past 4 weeks and is still going on. I am having a major problem with my Citi simplicity credit card and I have been through absolute XXXX with their customer service for hours and hours and days and days and I just can't take this anymore. I have made a lot of payments on my card to get rid of the cash advance fees but I have now had my card blocked because they said I have 2 returned check fees and a failed debit payment. When I looked on the statement I saw that they indeed received those payments from me with a confirmation number on the exact same days that they gave me those fees. The money has been taken from my bank account and they have put a hold on XXXX XXXX $ payments all while giving me those return check fees. After fighting with them for so long I finally started to make progress as they were going to remove those fees and put my money back on the card as well as I was promised by multiple people that since I went through all of this for no reason that they were going to give me XXXX dollars worth of credits because of how badly I was treated. This was all promised to me from managers. It has now been a week and they put XXXX on my card which I went to go use and they declined it and took it right back. I was so upset that I was promised all of this for everything they put me through and received nothing. In fact I did get a woman that thought she put me on hold and actually mocked me to her co workers in whiny voice completely making fun of me and are just playing games with me now and I have bad XXXX and XXXX problems as it is and this whole mess is making me sick. The funny thing is that yes I have to have consent from them to record the phone call but I do not have to have the consent when I am placed on hold for long periods of time. Well it just so happens that I didn't fact get the woman who placed me on hold mocking me when she thought she put me on hold and that is a serious problem and I am going to discuss this with my lawyer. Citi has really screwed me over and now I get mocked for wanting what is owed to me so please let me know if there is anymore of a blatant disrespect and disregard for a customer and a complete showing of defamation of character and I will be talking to my lawyer about the way I have been treated.

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 2018-04-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually closed.

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 2018-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed that XXXX/XXXX is inaccurately reporting this account 120 days late twice after the account was actually closed.

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 2018-04-30 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: MD

Complaint narrative:
I have requested for my negatives account to be removed I was A victim of fraud years ago. Equifax wont help you at all they dont even listen to you they have putting stuff on my credit that are not even mine. Please I need this issue to be resolve I am trying to get a house and all this inquiry that are on my credit is affecting me very bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: GA

Complaint narrative:
I am a victim of identity theft, company XXXX XXXX XXXX has been reporting negative XXXX XXXX account that is not mind this company is violating my rights this Account XXXX was dispute on all 3 credit bureaus and remove,XX/XX/2017 this company is out of order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
Citigroup 's policy forcing vendors to refuse firearm sales to under 21 year-olds, regardless of the law. I don't actually have a credit card account with them, but there is no option for filing a complaint regarding their discriminatory business policies. 

By instituting policies which require their banking customers to discriminate against prospective clients based on age, in an apparent effort to affect their own brand of restrictions on firearms ownership, CitiBank appears to be attempting to infringe upon the second amendment rights of millions of law-abiding American citizens. ( the ones that bailed them out ) Since XXXX has not even remotely suggested that the financial activities they are targeting by this policy are illegal in any way, while they themselves enjoy government support and benefits, I believe they should limit the scope of their policies to deny only those transactions that might be illegal, or at the very least, those not GUARANTEED to the people by the US Constitution. 

While I do believe that businesses in the United States, for the most part, should be free to set policies as they see fit, this particular policy tends to force other businesses into breaking federal age discrimination statutes in order to continue doing business with them. Since it violates the rights of so many others, I hope that if XXXX does not voluntarily revise or abandon this policy, they might be legally compelled to do so.

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 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I AM FILLING A COMPLAINT AGAINST XXXX XXXX WHO HAS CREDIT CARDS WALMART , XXXX, LOWES. THESE ARE CARDS HAVE BEEN CLOSED AND I WOULD LIKE THEM REMOVED FROM MY CREDIT REPORT. THEY START CALLING AT XXXX XXXX DOESN'T GIVE UP UNTIL XXXX XXXX ON A DAILY BASIS. THEY ALSO USE VERY DIFFERENT NUMBERS WHEN THEY CALL. SOME CUSTOMER SERVICE REPS HAVE USED PROFANITY LANGUAGE AND VERY RUDE AND IGNORANT. SOME HAVE LEFT MESSAGES ON MACHINE WITH PROFANITY LANGUAGE.

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