vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report.

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, XXXX and TransUnion, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.

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 2017-08-30 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: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, Experian and XXXX, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.

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 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Bank of America is maintaining a blacklist of former accounts in violation of the FCRA and FDCPA. 

I was denied when applying for a Bank of America card, and was offered an option for a secured version of the card with different terms. The main reason stated for denial was that I had a current or past delinquency with them and/or one of their affiliates. I have never had a card issued by Bank of America, and no delinquencies at all on my credit report. Therefore, I can only assume they are referring to a card from one of the banks they have acquired since 2008,  which was closed, sent to collections and paid many years ago. This means that they are using data older than the statue of limitations ( e.g. time-barred ).

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 2017-08-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
This company called my brother today. My brother, who I RARELY have contact with, and definitely did n't have contact with back when they say this debt was obtained. For one, this supposed debt was in 2009 in Alabama under a misspelled name. Secondly, I have already asked for documentation of this debt for the past 2 years and never received it. Lastly, they have now called my in-laws, my moms husband from 10 years ago, that she 's no longer married to, mother, and now my brother ( who recently got a new phone number, so I know this number was never provided to them. Ironically, I had just talked to him yesterday for the first time in years, then this morning they all of a sudden call him to say I 'm going to jail if I do n't pay off this debt ( same thing they told my in-laws and my ex-step-grandmother ), because they claim they ca n't serve me papers.

This is HARASSMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX, I 've maintained this Chase credit card account ( ending XXXX ) for over 15 years, although I did n't use it very often. I was offered a Promo ( teaser ) Balance Transfer offer, which I took advantage of. Coincidentally, shortly thereafter, due to lack of use, I was informed that the account was going to be closed - which it subsequently was. None-the-less, I had borrowed the money and was in the repayment stage. Here 's the problem : According to the Cardmember Agreement which I 've had on file since XXXX, I was obligated to pay principal of at least 2 % monthly ( plus interest, if any ). For repayment of this loan the bank was charging me a 5 % monthly. I called and spoke with a supervisor, who directed me online ( while we spoke on the phone ) to a more recent Cardmember Agreement. That agreement stated that I owed 1 % plus interest ( 2 % is reasonable and what I believe I ought to pay each month ). He told me that he nor anyone could change the 5 % requirement. During the conversation the supervisor said he 'd send me a copy of the agreement. I told him that was unnecessary since I downloaded it from the website he directed me to. He sent it anyway. Just received, the newest agreement XXXX computer generated and tailored to my account specifically XXXX states that I owe a minimum of 5 % monthly, plus interest. It disgusts me when a bank creates the rules as they go. Since my account is closed, my belief is that they want repayment as quickly as possible and terms-on-the-fly work for them. Further, they maintain a threat of sorts, in that they can adversely affect my XXXXredit score if I do n't pay the minimum they demand. Please fix this problem for me and others. THANK YOU, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX (  showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX four years later! There are no late payments or fees involved and clearly this is erroneous.

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 2017-08-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Despite an account being closed for over a decade, Wells Fargo Home Mortgage is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 7 years old and must be removed from 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 2017-08-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I.have some hard inquiries on my credit report I have no knowledge of, contacted XXXX to get help with removing them XX/XX/XXXX rep said they could n't help me with this. ( 1 ) XXXX XX/XX/XXXX( 2 ) XXXX XXXX XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XX/XX/XXXX ( 4 ) XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX ( 5 ) XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX ( 6 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX ( 7 ) XXXX XXXX XXXXXX/XX/XXXX( 8 ) XXXX XXXX XXXX XX/XX/XXXX ( 9 ) XXXX XXXX XX/XX/XXXX ( 10 ) XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( 11 ) XXXX XX/XX/XXXX (

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: PA

Complaint narrative:
I have Citibank credit cards for more than 9 years! I did not have ANY OUTSTANDING balance. I NEVER paid late and I NEVER paid any interest!. My crediting score is XXXX! 

The Citibank simply closes my Citibank credit card without EVEN ANY intimation! I am very puzzled as well on my abrupt and sudden closure of my Citibank card by Citibank!! Citibank did not even INFORM me as the customer of Citibank that they are going to close my account!! 

This uncivilized act by Citibank is absolutely UNACCEPTABLE!! 

Is Citibank simply desperate to EXTRACT interest from their customers and make money? If their intent as well as interest is NOT met then they simply conduct this kind of uncivilized act?? 

Please HELP! 
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 2017-08-30 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: NY

Complaint narrative:
Despite an account being closed for over a decade, XXXX XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX  consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over XXXX years old and must be removed from 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 2017-08-30 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have disputed this account with XXXX, XXXX, and XXXX various times, so we 'll see what the Creditor has to say. Original Creditor XXXX XXXX XXXX XXXX XXXX ca. It 's not my account, I would like to see proof that it is, according to the Fair Credit Reporting Act I 'm entitled to proof that it 's mine. I want to see the contract with my signature on it. At the time when this supposedly happened I was in nurses care recovering from a major XXXX. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: NY

Complaint narrative:
Credit reporting agencies of Equifax, XXXX and XXXX are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: HI

Complaint narrative:
I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money back

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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
on XX/XX/XXXX I initiated a wire transfer from coinbase in the amount of {$520.00}. Reference # I received XXXX. I 've already sent numerous emails to coinbase and just no reply at all I consider this stealing especially when I paid a {$25.00} fee to receive it the next business day.It 's been over a week now and still no sign of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: CA

Complaint narrative:
the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from chase, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your 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 non-monetary relief
Consumer complaint received 2017-08-30 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: NY

Complaint narrative:
Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 2017-08-30 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: NY

Complaint narrative:
Credit reporting agencies of XXXX, Experian and XXXX  are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.

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 2017-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I contacted Diversified Consultants in XXXX, FL and paid a past due bill originally owed to XXXX XXXX XXXX in the amount of {$300.00}. The company agreed to contact all 3 credit reporting bureaus and update this account as paid. As of XX/XX/XXXX, it still shows as derogatory and debt unpaid on my credit report.. The company has had 30 days to complete this transaction and they still have not held up their commitment. I also paid 2 other past due bills in collections off during this time and those companies upheld their commitments to remove their accounts and send me a written notice in the mail that this debt has been paid. Diversified consultants have neither updated to the credit reporting agencies or sent a written notice showing that this debt is paid. What do you do when a company takes your money then ignores you??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK
State: TN

Complaint narrative:
hello, i spoken to treasury yesterday and from what i was told midland mortgage received the morgagtor payment for incentive in final year of {$5000.00}. as of today midland mortgage ( the agency ) has yet to debit it to my account. I also was informed, the payment was sent bcos i met my standard guideline and stayed in home until my anniversary date of XX/XX/XXXX. i will now wait until XX/XX/XXXX to receive my monies. if i do n't see the debit coming in and credit going out of my account, i will be forced to seek legal action. as by law and right, that incentive of {$5000.00}, belongs to me the mortgager. 
i will also seek damages for stress and interest as well as my attorney fees to be paid. 
i have all documentation regarding this matter documented with midland mortgage as well as XXXX XXXX and XXXX XXXX from midland as well as treasury dept. 
i will now just wait 8 more days from today to pursue this course. 
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 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditor Advocates Inc
State: TX

Complaint narrative:
Creditor Advocates is located in XXXX, MN I am located in XXXX Texas, this company is not bonded in the state of Texas to be collecting debt. based on Sec. 392.101. of Texas Finance Code, and must immedialty cease and desist any efforts in this state to collect Choosing not to can result in a lawsuit, and fines from the state of Texas as well as me the consumer. 

I recieved a letter in the mail stating I owe a debt, i have been in Texas for over 4 years and never once have heard about this, I have used this facility however that was under a different account number and that was paid in full ... i am not sure where this new account came from since i have not lived north for over 4 years, however its likely false, and they should not be contacting me anyhow, based on there lack of bonding in the state

Company response to consumer: Closed with non-monetary relief