vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I lost my wallet which had a couple of credit cards inside of it. After I called and let you guys know that my wallet was lost and so were my cards so I would need you to stop the cards from being able to be charged, I was told don't worry you wont be responsible and we're going to close this account as well as send you a new credit card. There were other that I had to call that did the same thing except XXXX XXXX  & Citi Bank. XXXX XXXX  told me I need to go a branch location with my ID to prove that I am me, and they will send me a new card. When I did that to verify my identity they told me my account is closed and I need to reapply. When I asked why they said they had no idea only that I need to reapply and asked me if I want to do that and I said no. When I came home and checked my credit report I saw that XXXX XXXX pulled out my credit reports which is another hard inquiry on my reports without MY authorization. Citi Bank didn't get me any information, needed provided me with any paperwork or explanation, they just said my account is closed permanently and they can't do anything about it. ( I have police reports and it makes no sense since obviously everyone in the world will lose things at some point in 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 2018-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
There are numerous inquiries on my credit reports from capital one, cap one, XXXX XXXX XXXX XXXX.

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through capital one on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact Capital One, XXXX, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
I sent a letter to ERC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. they have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
These following two accounts are not mines due to the fact that the orginal contract was cancelled immediately after the orginal creditor cancelled it. I do not have a contractual obligation with, ( 1 ) XXXX XXXX XXXX, and these dates I have no knowledge ofXX/XX/XXXX,XX/XX/XXXX, {$130.00}, {$350.00},, and in accordance with the FCRA law I'm requesting physical documentation of the above accounts, if not these accounts shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: PA

Complaint narrative:
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX  and Equifax and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, XXXX, Equifax and XXXX and have them delete these inaccurate, illegal inquiries of my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: PA

Complaint narrative:
There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through Experian, XXXX and XXXX and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, Experian, XXXX and XXXX  and have them delete these inaccurate, illegal inquiries of 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 2018-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had been using my Chase credit card normally. One day, my transaction was declined. I called Chase to ask why that happened as I've never had any bad encounter or situation with Chase or any other credit card company for that matter. They didn't explain anything, they only told me I am blacklisted. I want to understand what it means by saying I am blacklisted. I'm assuming they're discriminating either against my nationality, age, or language ability. I just want them to explain to me what it means to be blacklisted and why I was blacklisted as well as had my account closed. In addition to Chase, after using my XXXX XXXX for a while my transaction got declined. When I called to solve the issue, they told me to go with my ID to a union bank to verify my identity. I went several times to the XXXX XXXX XXXX. Every single time they told me to wait and my card will come. When I called customer service to see where it is, they told me I need to reapply. The teller at the bank filled up the application for me and told me I was approved for {$10000.00} and that my card would come in 7-10 days. I waited 15 days and called. They told me I have to go to the branch. I told them I did go to branch and the bank teller was the one that filled out my application and told me I was approved. They told me doesn't matter go to branch. I went to the same branch and talked to the same person whose name is XXXX, and she again said my card will come and to wait. I waited again for a longer time, I called again, and they told me to go to branch again like a joke. This time I went to the XXXX XXXX XXXX, explained everything to the store manager whose name was also XXXX, and she called and talked to customer service and said everything was solved and you'll receive your card. Again after a while I haven't received my card and called and they said to go to Branch and they're leaving an open link that they can solve everything under that link. I went to branch and spoke to the manager again and she had the bank teller help me. She said its already late took my information and said she'll call me tomorrow. She never called so I called. She told me the account is closed and I need to reapply. At this age I went to a branch 5-6 times and now I need to reapply and I have been approved TWICE for XXXX - first time I used for a while, second time I never received my card. Am I supposed to reapply 4-5 times to receive a card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: PA

Complaint narrative:
I contacted XXXX and asked them to correct the inaccuracies that they are reporting to XXXX, TransUnion and XXXX  they ignored my request. 

I contacted TransUnion, XXXX  and XXXX  and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.

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 2018-12-15 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: PA

Complaint narrative:
I contacted XXXX and asked them to correct the inaccuracies that they are reporting to Experian, XXXX  and XXXX they ignored my request. 

I contacted XXXX, XXXX and Experian and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX  are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.

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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
on XX/XX/XXXXI placed a fraud alert on my credit report. On XXXX   it shows my statement as a fraud alert. On Equifax it shows my statement as ... if not verified then I demand it be deleted. I filed a dispute with Equifax on XX/XX/18 saying please remove any statements on my report because I no longer need it. The only statement I want on my report is the fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
In XXXX ( along with many other previous months ) XXXX XXXX through XXXX XXXX called multiple times ( XX/XX/2018 XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX  ) from unknown numbers. They called multiple times before XXXX as well but I deleted my phone logs from before then. So I have attached what I do have. I have let them know twice of them calling from this unknown number, which is a violation of the Fair Debt Collections Act, and received unprofessional responses along with numerous more unknown phone calls. They just called again three times today ( Saturday, XX/XX/2018 ) from this unknown number. They called at XXXX XXXX   XXXX XXXX and XXXX XXXX  I only answered the last one to see if it was still XXXX XXXX, which it was. I have informed them of calling from this unknown number and asked them to stop calling me from unknown numbers, especially when they call 3+ times a day, but they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15 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: MO

Complaint narrative:
The following accounts I am not associated with, i do not have any contractual obligations to either one of them, due to the fact that the contracts were cancelled. The following accounts are ( 1 )  XXXX, XXXX, for {$680.00}, ( 2 ) XXXX XXXX XXXX, XXXX, for {$230.00}, ( 3 ) XXXX, XXXX, for {$1200.00} .., No Contract!!, and within the laws of the FCRA, one must  delivered physical documentation of these accounts if not then the reporting agencies should remove them immediately.

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 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: UT

Complaint narrative:
A greater payment rate was demanded due to too frequent payment in a billing cycle resulting in misallocation to principal instead of allocation to both interest and principal ( despite precedence ). See dates, amounts, and actions attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Various date fromXX/XX/XXXX through XX/XX/XXXX, various amounts the Paypal -- XXXX aka XXXX XXXX proceeded to somehow make transaction through my paypal account some which, was made directly on each on my credit cards that was listed in paypal system. This company XXXX also threaten me if I told pay it would be reported my institution as if they wrote my paper which, they only proofread my documents however, the company also at the amount of editing/proofreading was to be done by paying came back three days later to request more money because they stated it was the wrong price given. This was fraud. I contacted paypal and paypal stated they have zero tolerance for companies that conduct business to get over on customer. However, paypal stated limits or cancellation could be an option no documents was request and Paypal continues to allow company 's like XXXX ( XXXX XXXX ) to get over on customer without taking action. Paypal has not found out how this company was able to charge all my credit cards at one time making dup charges. Please see attachment.. Reference case # XXXX and transaction id # XXXX. XXXX ( XXXX XXXX ) has also falsified their location in Texas which, is a house purchase by and owner in XX/XX/XXXX. None of their numbers work and Texas Secretary of State has no listed info on this company. NO way to file charges or have them served ... Please see the companys " XXXX '' threaten chat posts and request after agree which was paid..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: GA

Complaint narrative:
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, Experian, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!

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 2018-12-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account name changed with unconscionable errors. I.e. no attempt at accuracy at all by comparison with existing info.

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 2018-12-15 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: GA

Complaint narrative:
This has been a 12 plus year ongoing saga with the credit reporting agencies XXXX, XXXX, and Trans Union. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!

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 2018-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. 

On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. 

They have called from the number XXXX at the following times. They never leave a voicemail. 
-XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. 
-XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 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 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is a complaint bout TRANSUNION which has improperly reported that I hadtwo serious delinquencies on my record regarding a matter with XXXX XXXX. XXXX XXXX. This is not true and concerns. A Prior complaint I. Had field against XXXX Regarding oNE account wherein it refused to process my GAP INURANCE COVERAGE claim. THat matter- XXXX- resulted in Tyoata agreeing to accept my GAP INSURANCE AND TO CORRECT THE RECORD TO STATE I HAD NEVER BEEN DELINQUENT ON THAT ACCOUNT. 

NOW, TRANSUNION IS ASSERTING THAT I HAD TWO DELINQUENCIES WITH XXXX AND HAS REFUSED TO ACCEPT MY EFFORT TO DISPUTE ITS REPORTING ON MY CREDIT RECORD, TRANSUNION ACTION HAS CAUSED MY CREDIT-WORTHINESS SCORES TO SINK, AND THEY HAVE DENIED ME RECOURSE TO CORRECT THE RECORD.

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