vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due sinceXX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XXXX  and TransUnion by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

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 status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with Equifax and XXXX by submitting a dispute. Nothing changed. I tried onXX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: LA

Complaint narrative:
XXXX XXXX was included in my chapter XXXX Bankruptcy from the beginning. It should not be reporting open nor should it be reporting late. I have contacted the company and they was supposed to stop in the month of XX/XX/XXXX. This is a clear case of false status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
It has been reported in the news that XXXX XXXX XXXXXXXX and XXXX have publicly stated that they will start denying loans and services to companies that are in the firearms business. These steps will be taken without considering the financial stability or credit worthiness of the companies. 
My understanding is that this is discrimination which is illegal under Federal Law and well as attacking the 2nd amendment of the US Constitution. 
Banks are intended to provide financial services and not make political or social statements. Both of these banks have received tax payer support during the recent collapse of the banking systems. By taking public support, they have also, removed any plausible argument that as a independent organization, they are free to make any statements or restrictions of trade they choose.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank is taking the stance to discriminate unjustly 2nd amendment supporters and businesses by imposing policy that should not pertain to them. 
I urge you to discourage Citi Bank and XXXX XXXX XXXXXXXX to stop these practices. 
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 2018-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
As I just stated in an email I sent to Bank of America customer service ( and which I also plan to articulate in a letter I'll be snail-mailing to BofA Chairman and CEO XXXX XXXX ), " As a patriotic American citizen, NRA Life Member and law-abiding XXXX owner, it disgusts me that a bank that calls itself " Bank of America '' is taking such deliberate and blatant actions to XXXX over legitimate firearms-related businesses and thus utterly disrespect the U.S. Constitution ... the fact that you dare to continue to call yourselves " Bank of America '' is a grave insult to real Americans. I have been a BofA customer on-and-off since XX/XX/1993, but it is now time for this business relationship to end, as I have no desire to be a customer of an entity that disrespect me and my fellow XXXX owners and tramples upon my rights. Please cancel my Bank of America credit card effective immediately. 

Sincerely, 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 2018-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
never received notice that the debt was owed in the amount of {$12000.00} from MEDICAL DATA SYSTEMS the mark was added to my credit reports without any notification I was notified by XXXX ALERTS, didn't have any communication prior to that sent a debt validation request to the collection agency they sent back medical records with my personal health information and the amount owed which is a violation of the HIPPA LAW federal law prevents third party agencies to share personal records or health information to anyone without that person consent my PHI was also shared with the three major reporting bureaus

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 — Old information reappears or never goes away
Company: AFNI INC.
State: GA

Complaint narrative:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX  1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. AFNI INC. Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.

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 — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express.

We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX  bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account onXX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles.

You still have time to meet the spend requirement. For the {$50.00} statement credit, you have untilXX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account.

Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information.

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: NJ

Complaint narrative:
XX/XX/XXXX at XXXX XXXX  I received A XXXX  Alert notification report that Experian has lowered my credit score 20 points from XXXX  to XXXX   because my XXXX XXXX account has decreased by {$21.00} dollars. How is this possible that if i am paying on time and my credit line utilizaton is near zero  can lower my scores. I have been keeping a close eye on my credit report since XX/XX/XXXX. I have NOT been late on any payments or missed any payments. This needs to be correcte. I would like to know why my credit report fle has been a target of strange and wrong information right after I place a complaint to CFPB and to the NJ State Attorney General. Is this Retaliation and thus punishing my credit file?

I am submitting a copy of XXXX Alert so you can see. I am requesting an explanation of how you determine this decrease on my file. This is not the first time. S far this year XX/XX/XXXX I have disputed and complained to CFPB of this abusive wrong practices by Experian.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TRIED ONLINE AND COULD NOT GET A REPORT, CALLED EQUIFAX AND STILL THEY REFUSE TO GIVE ME A COPY OF MY CREDIT REPORT. I ANSWERED ALL QUESTIONS ACCURATE. I HAVE NO PROBLEM GETTING MY REPORT FROM XXXX OR XXXX, EQUIFAX TRIES TO MAKE YOU JUMP THROUGH HOOPS AND TREATS ME UNFAIRLY WHEN TRYING TO RECEIVE MY REPORT. I ALSO NEED TO CHECK FOR ACCURACY OF ALL INFORMATION.

Company response to consumer: Closed with non-monetary relief
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As a Bank of America customer, Im specifically writing about their actions, but the same applies to XXXX as well. I am extremely concerned about the recent actions these financial institutions have taken to punish American businesses involved in firearms. These institutions are using their market power to attempt to control policy regarding XXXX  and the second amendment. They are denying financial services to XXXX manufacturers and/or retailers who do not comply with their new policies. Policies that go against the protected rights of all Americans. This is completely and utterly unacceptable. Banks are extremely powerful and through these actions are attempting to circumvent legislation and control public policy. Specifically, they are using their power to attempt to limit the constitutionally protected rights of Americans. This is gravely concerning and must be addressed immediately. It is unacceptable for massive corporations like this to use their power to essentially create laws. This must be stopped.

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 — Old information reappears or never goes away
Company: ERC
State: GA

Complaint narrative:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : ERC 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXXs XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand Diversied Consultant Open date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

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: WV

Complaint narrative:
The Hard inquiries is not mine I have not filled out for any credit cards for a long time because I knew my credit was bad already and I also know if I filled out any credit cards that my credit would lower. I don't want it to lower I'm trying to build my credit up, there are also items in my credit report that is not me, the items are from another person with my same name that lives in XXXX wv that is being put on my credit report. Thank you for you 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. On My report, XXXX XXXX XXXX Account number XXXX is on my account as of today,XX/XX/XXXX. As of XX/XX/ XXXX XXXX XXXX was added to my account as a charge off for University  XXXX XXXX. They are both listed on my credit file and they are both listed as charge offs. These accounts are to be removed immediately from my credit file as they are not mine. I had attached proof.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I received a copy of my XXXX and XXXX report and notice that XXXX XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX  removed the account from my credit profile.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did a dispute of inaccurate information that is reported on my credit file. On XX/XX/XXXX, XXXX XXXX Account number XXXX was listed on my credit file. I disputed and it was under investigation. After investigation, Equifax removed it from my file on or around XX/XX/XXXX. On XX/XX/XXXX Equifax placed it back on my credit file. This needs to be removed immediately from my file. I have attached proof.

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: Credit Karma, LLC
State: WV

Complaint narrative:
The Hard inquiries is not mine I have not filled out for any credit cards for a long time because I knew my credit was bad already and I also know if I filled out any credit cards that my credit would lower. I don't want it to lower I'm trying to build my credit up, there are also items in my credit report that is not me, the items are from another person with my same name that lives in XXXX wv that is being put on my credit report. Thank you for you time.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX my dispute was received by TransUnion. They have reported a collection account under the name XXXX XXXX XXXX for the amount of {$1500.00}. I have no idea of this account on my credit report and I believe Im dealing with fraudulent activity of someone having my information because this has happened before. XX/XX/XXXX was my estimated date for my results. TransUnion has still have yet given me a response. I sent out letter XX/XX/XXXX stating they send me verification that the account belongs to me or it would have to be deleted. This is hindering me a lot with is account in collections on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase ( Coinbase.com ) has verified my identification via my photo-id and everything. I have some of my money stuck in my account because I am not able to withdraw using my bank. They required additional information like my SSN and address which I attempted to complete for the longest time. I emailed them ( over the course of 3 months ) because there are technical difficulties when submitting my information ( they use a 3rd party system to verify IDs ). Their system keeps saying they couldnt locate my id. I just want to take my money out of my account because i literally cant buy or sell on coinbase anymore because of their flawed 3rd party.

Company response to consumer: Closed with explanation