vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I received three letters dated XX/XX/18, one for each of my accounts with MUFG Union Bank, Business Checking, and Personal Checking and Savings, indicating that they would be unilaterally closing my accounts on XX/XX/2018. The letters indicate that they must ensure that they are in Federal compliance with the USA Patriot Act and the Bank Secrecy Act, and that after reviewing my transactions, they have decided to close my accounts. I operate a legitimate business and have not made any business or personal transactions that would have triggered this action. I contacted their BSA compliance department, which subsequently returned my call indicating that they could not elaborate as to exactly why they closed my accounts and told me that there is no avenue to appeal their decisions. The BSA compliance department referred me to the office of the President. After several days I received a call from the Office of the President and they would not provide me any specific information as to why they closed my account, simply stating that the account agreement allows them to close the account at any time. By not providing me a basis for their closing of the accounts, I view this as either a false accusation of criminal activity or as simple and blatant discrimination against myself or the nature of my business.

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 2018-04-28 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a member of Experian. I can log into my account and see what they have regarding my credit report but they have reported alerts in which my email address and passwords are on the dark in three instances and I have questions so I called the number in that section of the web site. The problem is that I have tried 4 times over the last two days. XX/XX/XXXX and XX/XX/XXXX and waited online between 30 to 45 minutes each time and no one ever answers answers. They also give you no idea how long it will be before someone answers. I also see no way to email someone. The only way they show to contact you is by post office mail. They obviously have inadequate staffing and should provide alternatives to contact them other than by sending a letter through the post office.

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 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX  so I dont understand why it isnt being removed from the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for an auto loan with XXXX XXXX XXXX XXXX -- the response came back as a denial letter saying I have an eviction on my credit file also my credit score is XXXX. I have a credit monitoring service from experian and it shows I have a credit score of XXXX -- this does not include a paid 2 accounts and the XXXX account that is 75 % paid and when I called she said she could not changed what was onmy report. Again Experian needs to be accurate about what they are sending out. If I have an eviction on my report I need to know about it that is the reason for the credit monitoring so I can see what is on my report and who is sending what. I should not have an eviction on my report. I have enclosed a copy of XXXX XXXX response also a copy of my most recent 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 2018-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC.
State: TN

Complaint narrative:
This complaint is about Check Into Cash on XXXX XXXX XXXX in XXXX, TN. I had a payday loan with the company and then lost my job. Well, even though I got behind, I told them that I wasnt working and would be sure to pay it once I was working again and got caught up. I revoked their right to ACH my account, however, on Tuesday, XX/XX/XXXX, I woke up to being - {$290.00} in my bank account from where they took the payment out. I wasnt mad. I knew I was behind and that I was due. The next day, I checked my bank account, looked at my statement, PRINTED IT OFF, took it up there, showed them where it had cleared leaving me negative and rewrote my loan because I had to pay my electricity or it would be cut off the following morning and my gas light came on that morning. 
My bank ended up RETURNING the fee to them the following morning, Friday, XX/XX/XXXX, 48 hours  after theyd pulled it out. Today is Saturday, XX/XX/XXXX and I have since received 7 calls from them since I told them on the phone that I wouldnt be able to take care of that until I get paid on Wednesday, XX/XX/XXXX. They are harassing me. Only leaving one voicemail per day, but calling between 5-7 times per day. 
I work in XXXX. I give installment loans and we do our own collections until a customer is charged off. Our regulations in MY company and every company Ive worked for is that you can NOT harass a customer ESPECIALLY if youve already spoken to them. It is XXXX and Ive received 6 calls on a SATURDAY. 
This is definitely harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Have automatic withdrawal to pay B. of A. mortgage. I refuse to do business with Bank of America due to their blatant, unfounded attack on 2nd Amendment rights. Thankfully mortgage, note holder agrees to refinance through another institution. We both feel leaving the Bank of America is out of our hands. Their recent actions regarding XXXX rights are absolutely illegal. We both believe Congress will intercede in this matter. In the meantime we must close all accounts with substantial amounts of fees being applied. We demand B. of.A. pay all associated fees. Taking responsibility for playing politics. An the attempt to steal rights from citizens is their own fault.

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 2018-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
My first contact notice from GC Services ( XXXX XXXX ) of XXXX, Tn. was in XX/XX/XXXX of XX/XX/XXXX, and I responded with an explanation and a packet of information showing the debt had been dismissed in bankruptcy in XX/XX/XXXX ( Certified mail receipt XXXX XXXX XXXX XXXX XXXX ). The second notice was in XX/XX/XXXX of XX/XX/XXXX, and company ignored my formal request ( s ) for them to provide written proof that the debt HAD NOT been dismissed. I answered the second notice in XX/XX/XXXX( Certified return receipt : XXXX XXXX XXXX XXXX XXXX ), disputing the debt, and re-iterating that the debt had been dismissed. I once again asked them to provide documentation showing they had a valid, collectable debt. I never received a response to either of my requests. Twenty ( 20 ) months later ( XX/XX/XXXX ), I received another collection notice that implied I had been avoiding their collection attempts, and they threaten to take other action ( s ) against me. I responded again summarizing the previous Two ( 2 ) responses, and informing them I was disputing the debt, had not re-affirmed the debt, and informed them they were in violation of Federal Collection laws by not providing the requested documentation and continuing with collections. My response was sent Certified with return receipt XXXX XXXX XXXX XXXX XXXX. It was received by the collection agent on XX/XX/XXXX. The collection agent wrote yet another notice that same day, requesting payment, and once again ignoring the fact that the debt had been dismissed, and ignoring my requests for documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: AZ

Complaint narrative:
My name is XXXX XXXX POA of XXXX XXXX. He took first out this student loan and 6 weeks before graduation was given an ultimatum to leave the school due to his personal issues outside of school so he did not get to finish school or graduate this was in the late XX/XX/XXXX. 
His loan is with ( Great Lakes ) and I have spoke many times regarding payments and the situation in our financial situation when speaking with Great Lakes they gave me a 60 forbarence and removed any payments due. 
Suddenly they drafted my account {$170.00} and with drew their promise as well as raise the payments way from what we can afford. 
I was trying to pay {$44.00} at this time and current am going through XXXX treatments I am his wife XXXX. 
XXXX has lost hours at work with no 40 hour weeks our rent as well increased substantially I have sent a new IDR with all attached over the internet in Great Lakes web sight continually they are sending my emails regarding filing out this application And payment but this was in a forbarence at the time with no update to the change all of this happened suddenly I feel that this student loan first is out of XXXX statutes as well as XXXX not being able to finish his education the constant calls to Great Lakes to resolve this and tell them we cant make payments at this time. We are trying to avoid a garnishment but Great Lakes is not upstanding and follows through after making arrangements. 
I need someone to now intercede and help me first with harassing emails Will not communicate on phone threatening. This is unacceptable, There are many issues reviving this student loan and I would like to take action on getting justice for Great Lakes harassment and the student loan it self should be null and void my reason is the age of loan the reasons XXXX hadnt finished his education financial hardships And at time he was told to leave school he was jailed due to a felony and then in about patient program issued by the courts he has XXXX as he is XXXX   and XXXX and is working but not equipped to challenge this any longer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citi Group has decided to regulate how the card user can utilize the card for purchases. This wasn't included in any agreement when the card was opened for the consumers use.

The new rules Cit bank has created limits purchases that state NO firearms / weapons are allowed to be purchased without a background check on the charge cards.

Any FFL dealer by law, does this check prior to any sale anyway. Limiting what accessories that can be purchased with the charge card is discrimination to the account holders choice of " free purchase '' decisions made in the USA.

I am a valid XXXX XXXX XXXX, XXXX veteran and have worked in XXXX XXXX.

Limiting my accessories capabilities for my weapons is preposterous.

This act by Citi Group is a complete dictatorship type control when the account is based solely on the consumers approval to obtain, usage of the cards, and remitting payments against purchases made on the accounts. Lack of use of any account doesn't net profits Citi Group in any way shape or form.

If this idea of selecting only " specific '' items not allowed to be purchased was not in the agreements when the card was opened. I would've selected a different card company to conduct business with if that had been the case. Pretty simple.

Furthermore, I'll be paying off my account with Citi Group just for this reason, and will not be using the card for anything else from here on out. It appears Citi Group has more than enough customers and business profits elsewhere to thrive on to allow this outrageous act to slam their quarterly gains/profits as a major banking institution.

This was a serious poor decision on this banking institutions behalf. This company 's decision to act on events that happened in the USA ( which doesn't concern them ) stemming from " other entities type violence '' shows how easily coerced Citi Group really is. Not good for any consumer wishing to sign up for a credit line with Citi Group.

I'm guessing they forgot who bailed them out when times were tough during the recession of 2007?

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 2018-04-28 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:
I HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # CAPITAL XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX IXXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.

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 2018-04-28 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: CA

Complaint narrative:
This is really a general complaint about the recent decision made by XXXX and Citigroup to give a hard time to any retailers conducting lawful firearm-related business activities. 

I am a regular customer to both banks and feel powerless to be able say anything, I can just see my concerns being ignored letting them know how I feel about it. 

There's no need for them to make a political move like this, and doesn't change anything anyways, for example background checks are already required in most circumstances.

I don't think these 2 large financial institutions should be getting involved with this.

I hope this gets to the right place and helps encourage a focus on responsible financial business practise. 

Thanks,

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 2018-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Chase has allowed someone to fraudulently use my information in applying for a credit card. I have contacted them numerous times and have had the cards and applications shut down, however the hard inquiries are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28 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: FL

Complaint narrative:
There are exactly 20 hard inquiries showing up on my TransUnion report that are not mine..I have have disputed these inquiries through the mail and never received a response..my personal information has been compromised and someone has been trying to obtain credit in my name like crazy!! These are the inquiries I need removed.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX   XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX ... also my personal information is wrong even though I've contacted TransUnion numerous times in regards to my name and address..the address they have for me isn't even a address and my name is literally turnt around backwards..they have my address as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..my correct address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..and they have my second address which is my XXXX XXXX as this..XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..the correct address is XXXX XXXX XXXX XXXX XXXX FL XXXX.. then there's the spelling of my name..they have XXXX, XXXX, XXXX..my name is 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 2018-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The banks new firearm policies recently enacted by the bank run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Political activism by companies that receive taxpayer money is wrong an especially so when it is attempted to curtail consumers freedoms to buy what they want and for business to interact. The 2nd amendment is fundamental right defined by nature laws which come from our XXXX XXXX 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 2018-04-28 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: LA

Complaint narrative:
I have an unauthorized inquire on my TransUnion report. below is the information : Institution Information XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017 2017

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 2018-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
This complaint is for XXXX XXXX being a slum lord, which has cost me nearly a million dollars on their behalf, to do repairs to a house they claim to own ( although I learned they actually illegally foreclosed on it. ) They have repeatedly tried to illegally evict me from this house, and for 4 years have ignored their management responsibilities as a landlord, have not honored my lease ( contract ), and have forced me a tenant to foot their nearly 7 figure repair bill.

The total due to me exceeds a million dollars, including amounts in a separate complaint for attorney fees & costs, for them trying to illegally evict my family repeatedly.

See attached for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 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 HAVE A LOT OF INACCURATE INFORMATION ON MY CREDIT REPORT. SOMEONE ELSE IS USING MY IDENTY TO OBTAIN CREDIT. 
THIS INQUIRIES ARE UNAURTHORIZED AND CAUSING ME GREAT HARM AND ANXIETY TO SAY THE LEAST. 
XXXX XXXX XXXX XXXX ON THERE TWICE XXXX XXXXXXXX THESE ARE THE CREDIT ITEMS THAT HAVE BEEN OBVIOUSLY ISSUED AND USED UNDER MY SS # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ANOTHER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX AXXXX XXXX  ACCOUNT # XXXX THIS IS AN ACCOUNT THAT BELONGS TO ME FOR A CAR THAT WAS TOTALED BUT THE GAP INSURANCE PAID IT OFF. THEY ALSO SENT THIS TO A COLLECTION AGENGY THAT REPORTING NEGATIVELY ON ME. 
XXXX ACCOUNT # XXXX THIS IS NOT MY ACCOUNT XXXX XXXX  ACCOUNT # XXXX IS REPORTING THAT THIS ACCOUNT WAS PAID LATE AND THIS IS INACCURATE I JUST GOT THE CAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
A debt collector ( credence ) called my cell phone telling me that I owe money but when I called XXXX XXXX XXXX ( orginal phone company ) I was informed that I was not put in debt collections. I called back the collection agency who called me and they were telling me that i need to call XXXX on 3 way. I informed the representative that I am not calling XXXX on 3 way but i will inform FTC about their agency. 

Debt collection agency and representative : Credence resource management LLC XXXX XXXX-XXXX Telephone company : XXXX

Company response to consumer: Closed with explanation