vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had a longstanding MasterCard with Citibank. 
Because the annual fee is high relative to the services offered, I have asked Citibank to close the account. ( I never activated the new card I received in XXXX /XX/XX/2018. ) I did not have any balance due as I pay my balance in full every month.

Citibank has decided instead to harass me into paying the annual fee for the coming year. In addition, they outrageously have leveled interest on the fee for a card that is no longer of any use.

Citibank has called my phone outside of business hours, including Sunday mornings as a further method of harassment and has put in negative information on my credit report.

Citibank should accept that this card is of no value and accept that they provide poor customer service and therefore do not want to deal with them. They should stop the harassment and rectify any information provided to Credit Agencies.

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 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
hsbc sends me letters stating they have sent me a check for the balance on my closed credit card, i never received any check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed XXXX XXXX XXXX account on my Equifax credit report on XX/XX/2018. Equifax removed the account and then put it back on my credit report. They did not send me any notification of the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX 3 charges {$100.00} each were posted to my account.

I reported charges as unauthorized.

My claim was denied without any reasons stated.

When I request a charge, an e-mail is sent to me within minutes.

This time no e-mail messages were sent, this indicates an inside job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I believe TransUnionXXXX are colluding with XXXX XXXX. I filed a report with CFPB against XXXX XXXX in XX/XX/XXXX ( Complaint Number XXXX ). Since that filing TransUnion dropped my score 237 points. XXXX  has the same information and my score remains in the 600 range. Also TransUnion will not give me online access to my report or the ability to dispute it online which is a violation of the FCRA act. In addition they are allowing XXXX XXXX to reset the clock on a debt and report it as started in XX/XX/XXXX that was opened in XXXX and removed last year when I provided proof it should not be on my report. The other violation is with the other collection agency, XXXX XXXX XXXX. I have provided a statement from the XXXX XXXX XXXX stating I don't owe them any money and have contacted their tenant screening division with this documentation and they will not remove it from either reports. 

I have the same issue with XXXX which dropped my score 206 points and will not allow online access to my report nor the ability to dispute online. They are both doing what's in the best interest in the creditor and harming me the consumer. I am working hard to manage my credit and debt I don't feel I should pay the penalty because the bureaus are intimidated by creditors and collection agencies.

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 2018-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XXXX switched to a new company called XXXX XXXX. My original agreement with the university was to pay quarterly. However this company has decided to make me pay monthly my quarterly amount. I tried to do automatic payments, however they make me pay my quarterly amount monthly which makes it 3x the agreed amount. Additionally they charge large for almost all forms of payment ( including one time payment direct withdraw from checking account ).

They also keep charging me late fees due to their own internal error of not being able to do quarterly payments vs monthly / failing to properly adjust the amount and now they reported my account within 5 days of being past due, despite my payment being only 5 days late.

This has caused undue financial burden and harm to my credit score and well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank usa nia XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/2018, I received notification from the credit reporting agencies that I had received a collection from American Express for non payment on a credit card I had no knowledge of. The collection reported on my credit file is around {>= $1,000,000} dollars, of which I have no knowledge of. I'm a victim of identity theft, please see attached ( 2 ) police report documents. The police reports explain everything I incurred during the robbery. I was robbed and my purse was taken from me violently. American Express has let someone explort my identity and as a result placed a derogatory mark onto my credit file. I've never done any business with this organization before. This has caused a major hardship due to me being a business owner and must retain good credibility. I pride myself on being viable and to maintain good credit health. This situation over the holidays has been troublesome at least. I would like something done about this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one auto finacing XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX   guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX http : //www.themoneysource.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Consumer portfolios XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was on this website called XXXX XXXX that was looking for offers for me to refinance my current car loan. They asked me a bunch of personal questions and when that was over I clicked a button to continue to see my offers. On every other site I have tried ( like XXXX XXXX XXXX or XXXX XXXX  ) that provides loan services uses a SOFT INQUIRY when looking. They also ASK YOU if you would like to continue with a HARD INQUIRY if you got preselected. After a few minutes I got like 4 emails from different agencies and a HARD INQUIRY from XXXX XXXX XXXX hit my credit report. I did not verbally authorize this company to check my credit report. I did not ASK them to run my credit. No where on the pages when I was answering their questions did I see the words saying that a HARD INQUIRY was going to be used when looking. I would like this inquiry removed as soon as possible due to the subversive nature of this website and the means in which they acquired my credit report without my knowledge or approval. 

Inquirer : XXXX XXXX XXXX Inquirer Phone Number ( XXXX ) XXXX Industry Type : Finance/Personal Inquirer Address XXXX XXXX  XXXX, XXXX, TX XXXX In addition to this, I'm a XXXX veteran and have various credit cards and a vehicle - all of which I gave PERMISSION to the company that gave me the cards and vehicle to run my credit report to gain those items.

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 2018-12-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: IN

Complaint narrative:
My XXXX year old mother bought 7 {$25.00} bank cards from XXXX on XX/XX/18 as gifts. The name of the card company is netspend. On XX/XX/18 me, my son and daughter which all received one each activated them. The company was told we wanted to use them as a one time charge. After trying to use them which they were all declined. We get in contact with XXXX which sold them. And netspend. XXXX was basically sorry about your luck its not our problem and netspend say they are reviewing the card. On another one they wanted my daughter to send in documents proving that she is who she is. With everything we tried. They could not let us use these cards for the {$25.00} gift cards that they are.

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 2018-12-23 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: AZ

Complaint narrative:
The following accounts and credit inquiries listed on my ExperianXXXX XXXX  and XXXX XXXX credit report are fraudulent, unauthorized, not mine, and is the result of the XXXX XXXX XXXX breach discovered on XX/XX/2018 : Credit Inquiries : XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, XXXXXXXX XXXX XXXX, XX/XX/2018, XXXX XXXXXXXX XXXX  XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX, XX/XX/2018, Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, {$1200.00}, XX/XX/2018, XXXXXXXX XXXX XXXX, {$7500.00}, XX/XX/2018.

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 2018-12-23 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: AES/PHEAA
State: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Colony Brands, Inc.
State: MD

Complaint narrative:
XXXX XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: NC

Complaint narrative:
I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). 

I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including  documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

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 2018-12-23 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: WI

Complaint narrative:
I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.

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 2018-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have requested validation from XXXX XXXX XXXX, they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX XXXX. This account was previously removed from my credit file. ( PLEASE SEE ATTACHED DOCUMENT ) Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$490.00}. I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : 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 2018-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Chase Bank XXXX XX/XX/8 unknown inquiring on credit report.

Company response to consumer: Closed with non-monetary relief