vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-20 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:
Citi closed my charge card on XX/XX/XXXX due to " 2 years of inactivity ''. At the time, I had over XXXX $ in Citi Dollars on the card. ( i.e. Earned cash credit since XXXX. ) I did not receive a phone call, a letter via USPS, or an e-mail, informing me that this was about to occur. 

I spoke to Citi by phone, attempting to resolve the matter, but to no avail. Citi cited that my last account activity was a payment on XX/XX/XXXX. Hence, 2 years had gone by, and that they had every legal right to close my account, due to inactivity. In addition, they also stated that they had every legal right to not send me a check for the XXXX $ in earned cash credit - because the account was now closed. 

Fact : The account was opened in XXXX and had been in active use for XXXX years. 
Fact : Citi send me a new charge card, to replace the expiring card, in XX/XX/XXXX. 
Fact : I activated the new charge card several months later. I had no intention of closing this account. 
Fact : The last activity on the card was the new card activation. 
Fact : The new card had a 4 year use window, and is set to expire in XX/XX/XXXX. 

Timeline : XX/XX/XXXX ( Payment ) Timeline : XXXX XXXX ( New charge card is sent, to replace the expiring card on XX/XX/XXXX ) Timeline : XXXX XXXX ( New charge card is activated by phone. ) Timeline : Citi closes new charge card on XX/XX/XXXX FACT : Citi closed my account after < 6 months of activity, since activating a new charge card clearly documents charge card activity. 

The fact that Citi refused to refund the cash, the fact that Citi cited that there was " no card activity '', the fact that Citi stated that it was their legal right to perform the actions that they did, makes me believe that their actions were pre-meditated, and performed solely for Citi 's personal financial gain. The fact that they made no attempt to contact me before the closure, provides additional evidence of their ill will and ill intent. 

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 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I have been scammed by a person that has impersonated a landlord. He showed me the house, he had the application, and the lease. I payed the application fee that was {$100.00}, I filled out the lease agreement that was {$200.00} and I payed the deposit that was {$900.00} pluse occupant fee that was {$100.00} and then I couldn't contact the person anymore. I have the emails of the people where I was told to send the money the be able to receive the keys for the home. I have his the information on how I found the home that is listed. The phone number that was given to me is ( XXXX ) XXXX-XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: CA

Complaint narrative:
I found out about these fraudulent accounts and activites and inquiries when I just looked at my credit report on XX/XX/XXXX these accounts and inquiries are not mines back in XX/XX/XXXX I had lost my social security drives license and birth certificate and ever since I'm getting fraud UPGRADEINC account # that begins with XXXX with a negative balance of {$0.00} is fraud XXXX XXXX account # that begins with XXXX Balance with {$1300.00} is fraud XXXX XXXX XXXXXXXX account # that begins with XXXX Balance {$400.00} XXXX XXXX account ending XXXX is a fraudulent account Also fraudulent inquiries that are on my credit report I never authorized these inquiries XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: PA

Complaint narrative:
I have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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 have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.

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 2021-03-20 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: KY

Complaint narrative:
I have disputed the inaccurate reportings with XXXX XXXX and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and Equifax is not reporting this account, XXXX XXXX XXXX XXXX XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, XXXX is reporting an opened date of XX/XX/XXXX and a balance of {$680.00}, Equifax is not reporting this account, ORIGINAL CREDITOR XXXX XXXX  and XXXX are not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX and a balance of {$130.00}. ORIGINAL CREDITOR XXXX XXXX and XXXX is not reporting, Equifax is reporting an open date of XX/XX/XXXX with a balance of {$130.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX XXXX and Equifax considered to be furnishers? These accounts do not belong to me and XXXX XXXX and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Dear Consumer Finance Protection Bureau, I turned in a leased XXXX XXXX to XXXX XXXXXXXX a dealership in XXXX XXXX California and assigned the lease to XXXX  XXXX on XXXX. I was told the old lease would be closed by XXXX. 

Toyota Financial Services debited my checking account on XXXX for {$510.00} for the lease I had signed over to XXXX XXXX. 

I was told on XXXX that Toyota Financial received a check from XXXX XXXX in the amount remaining on the lease, which would allow Toyota Financial to close out the lease. Unfortunately I have no evidence that the check was issued or received. Today it is XXXX and the lease is still open on my customer account dashboard with Toyota Financial Services, which told me that the paperwork has either not yet been received or nor been processed. 

Today XXXX, my customer account dashboard with Toyota Financial Services shows me as past dueon my old XXXX lease, notwithstanding that I was debited for my XXXX payment on XXXX. I fear that the false information posted by Toyota Financial will affect my credit rating. I feel like I have been treated like a ping pong ball between the XXXX XXXX XXXX and Toyota Financial having contacted the former at least 10 times and the latter at least 4 times by phone and opened 4 support requests. Please help me get an adequate response from Toyota Financial Services. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Date : XX/XX/2021. Debt collection letter from Southwest Credit. 
About : XXXX auto insurance membership fee, amount : {$57.00}. 
I switched my auto insurance last year, and stopped paying XXXX auto insurance membership, since I got auto insurance policy and services covered by another auto insurance provider. I did not need XXXX auto insurance membership anymore once I switched to another insurance provider. 
But I still got debt collection notice from Southwest Credit Systems LP, stating that I owed AAA {$57.00} membership fee. 
It is total ridiculous! How can a prepaid insurance membership fee need to be collected since I even do not need to have its membership? Why XXXX sold such a kind nonsense to a debt collector? I was really upset by such a harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: FL

Complaint narrative:
I have been disputing information with the credit bureaus but nothing has changed ; there is an account by the name of PORTFOLIO XXXX XXXX that is reporting to my credit that reports as a Factoring Company. I have no idea who they are, or why they are reporting to my credit, I have filed disputes against the company with the credit bureaus but nothing has been removed. All that it states that the item was disputed and that the issues have been resolved but I disagree and I have been going back a forth about this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
DISPUTING TOYOTA MOTOR CREDIT CORP ALSO KNOWN AS TOYOTA FINANCIAL SERVICES CREDIT REPORTING Name- XXXX XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX. XXXX XXXX. Washington DC XXXX XXXX last XXXX XXXX Account number XXXX I, XXXX XXXX, hereby officially disputing Toyota Motor Corp also known as Toyota Financial Services reporting to credit agencies as untrue. 

I am asserting that the reporting of late payment from Toyota Motor Corp also known as Toyota Financial Services is false or untrue. 

I have attached documents showing an up to date payments from Toyota Motor Corp also known as Toyota Financial Services .Reporting false info to credit agency amidst pandemic hardship is cruel and illegal business practices. 

I therefore employ you to investigate and adjust my credit report. 

Thanks XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: UPGRADE, INC.
State: TN

Complaint narrative:
I have had a loan with Upgrade since XX/XX/XXXX. I was making every payment on time then I was affected by CXXXX XXXX and went on a hardship program in XX/XX/XXXX. I agreed to make lower monthly payments then get back to full payments in XX/XX/XXXX. 
I was quarantined for XXXX in XXXX and was late for a payment and missed the due date, Upgrade never told me they removed me from the hardship program. My last hardship payment was made on XX/XX/XXXX. At this time upgrade reported to the credit bureau that I was 120 days late, 2 30 's, 2 60's,2 90 's. 
XXXX XXXX-30 day late XX/XX/XXXX - 60 days late XXXX - XXXX current XX/XX/XXXX - 30 days late XX/XX/XXXX - 60 days late XXXX - 90 days late Janurary XXXX current Clearly, this is a mistake, They then told me if I would not pay XXXX immediately my account would be sent to collections. I have tried to work with upgrade and they refuse to help me or remove this information from a credit report. I also spoke to multiple account reps up to XX/XX/XXXX and they all told me the account was fine and I have nothing to worry about. I have taken steps to bring the account current.I was also never never told my hardship plan on terminated. 

I would like to add that upgrate has reported on credit wrong on multiple occasions now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The collections accounts listed below are from medical bills and most are too old to still be on my credit report. The accounts continue to be sold to new collection agencies and I have never been contacted in writing or by phone about the accounts and some were paid off through XXXX last year after I contacted the original creditors and updated my insurance information. I'm being charged interest fees that's negatively impacting my credit score. Progressive Management is the most egregious and they are demanding money from hospital services I received in XXXX. All of these creditors refuse to work with me unless I provide my social security to their representatives over the phone even though the amounts have been paid by insurance or are from services too old to still be on my credit reports. I was laughed at and told to contact an attorney when I explained the service dates. I'm sure they're doing the same thing to other consumers and they shouldn't be allowed to run an unethical and dishonest company, nor can they be trusted with anyone 's personal information. Please help me get these negative reports off my credit and let me know if I need to contact an attorney. 


PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX  {$340.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$740.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE  Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX  {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$370.00} Balance updated XX/XX/XXXX PROGRESSIVE MGMT SYSTE Original creditor : XXXX XXXX XXXX XXXX {$400.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$550.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$130.00} Balance updated XX/XX/XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX {$830.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$260.00} Balance updated XX/XX/XXXX 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 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
On numerous occasions the AARGON AGENCY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States, used tactics that violates my rights under the The Fair Credit Reporting Act, 15 U.S.C. 1681, by manipulating the dates of the opening of the account to act as if the debt is new or currently missing agreed payments, theyre double reporting a increase of negative balance owed, in a attempt to damage my credit, when they check it and see its improving, theyre adding on interest and them removing the interest to negatively affect my score, theyre using these tactics to force me to respond to a debt that I dont owe. Its financially hurting me and its not right. Theyre proving that they dont respect the laws in which the promised to follow when they decided to become a debt collection agency. Theyre misusing the power they have to get the outcome that makes them the most money or damages my credit the most. I do not own the debt. I Dont know how the debt was started in my name. I spoke with XXXX at XXXX XXXX on a recorded line, he stated, where he agreed to dispute the debt and remove the inaccuracy from my credit report and its still on my credit reports damaging my credit.

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 2021-03-20 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: MD

Complaint narrative:
To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. 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 non-monetary relief
Consumer complaint received 2021-03-20 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: TX

Complaint narrative:
I have been charged by the same merchant 4 times with at least 2 of those being after I have gotten a new credit card number. The most recent one ( XX/XX/XXXX ) charged my card after the company supposedly sent an email to Visa to block this merchant from charging my card. I have opened disputes with my credit card company for every one of these charges and have yet to hear anything back other than them asking for information that has already been provided multiple times. In fact, I had a call with a case processor scheduled to give them this information and when I mentioned that I had already provided this, she responded with I see that here, we already have it. And this was after I had to fax them the information. I have attached letters informing me that a dispute has been made. This is the only update I have received. 

Dates of charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief