vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: NY

Complaint narrative:
I've had a credit card with Citicards for 15 years and have always made payments on time. 

Recently, I linked my account to another bank account that I ended up having issues with, and a few payments were returned. I always made a payment when I was alerted to this, and the payments were never more than a few days late. 

In XXXX, they called me to tell me a payment had been returned, and I immediately paid two months worth of payments due. I was told my next payment would be due on XX/XX/XXXX. I found out my card was then placed on a 30 day hold due to the returned payments - fine. I spoke to several people on the phone and no one told me it would be an issue in the future. 

Since I didn't have a payment due until XX/XX/XXXX, I didn't think anything of it. Then, on XX/XX/XXXX, they attempted to take a payment from my account through AutoPay ( my experience had been that if your minimum payment was {$0.00}, they wouldn't try to get a payment on the due date ). I called Citi and was told that they did always try to take more payments anyway, but that because of the misunderstanding, they'd refund my {$37.00} fee. I also asked if this would mean another 30 day hold and the customer service rep told me no, my account was fine, and I was welcome to use the card as normal. 

So I was very surprised when a few weeks later, I logged onto my account to find out it had been closed, due to " poor account performance '' aka the returned payments. If I had been warned at any time that my account was at risk, or had gotten TRUE information from the customer service reps, or they had even MENTIONED that a payment would be taken out even when one was made, I would have immediately paid off the whole account so as not to risk my credit score. Now, my 15 year old account is closed and my credit score is in the toilet, all because of some clerical issues with a bank account.

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 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XX/XX/XXXX of last year with NO response from them. Then I went to their office location only to be escorted out stating I could not be there and they would call the police for transpassing this is a public property it is an office building how is it even legal to make these statements. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this case # XXXX  I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptsy and a proof of this originally citi bank account and XXXX XXXX XXXX furnisher of this judgement included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

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 2019-03-11 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: Franklin Financial  Corporation
State: WI

Complaint narrative:
Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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:
This is an attempt to correct my EQUIFAX, XXXX, and XXXX credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX BANK : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
XXXX XXXX  has furnished a lien on our property and is aggressively attempting to collect on the debt that was included and discharged in BK chapter XXXX back in 2011 ... When trying to resolve this I called XXXX XXXX with NO luck nobody ever answers the phone line, I written to the address on file 4 letters since XXXX of last year with NO response from them. Now my wife and I are getting calls at work and at my parents house from them demanding a payment in full for this Loan #  XXXX. I can never get ahold of an individual to speak to. We only get threatening messages left on our phones with calls at XXXX or close to XXXX as well as left with my assistant at work. this is ridiculous I should be protected under bankruptcy code. Attached please see proof of bankruptcy and a proof of this account being included in the bankruptcy. I seek release of this judgement immediately or I will go to attorney general 's office to see further remedy on this

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 2019-03-11 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: TX

Complaint narrative:
I've contacted Experian and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX ( or XXXX ) XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXXXXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from Experian that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to Experian et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked Experian et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.

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 2019-03-11 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:
I was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX 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 non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have 36 hard inquiries with companies I have never even heard of. I believe that a car dealer may have ran my credit through companies after I explained I already had financing in place and would not need them to run. The date was from XX/XX/XXXX - XX/XX/XXXX Wfds XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  ( This one was put through twice on XX/XX/XXXX and XX/XX/XXXX ) XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX   XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MO 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 non-monetary relief
Consumer complaint received 2019-03-11 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: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXXT XXXX XXXX/XXXX XXXX  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 2019-03-11 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 was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX 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 2019-03-11 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 was advised to contact you all regarding items on my credit that are not mine. I went to apply for a home loan so I can purchase o home for my new baby thot due this summer and I went to my credit union to apply for o home loon and I was denied. My loan officer gave me a copy of my report and there ore things on there that are not mine. Please remove these items from my credit so that I can purchase a home for my family. XXXX XXXX, XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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 is an attempt to correct my XXXX, XXXX, and TRANSUNION credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.

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 2019-03-11 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 is an attempt to correct my XXXX, EXPERIAN, and XXXX  credit report ( s ). I have identified a fraudulent account and the report violates my consumer protection rights. Please block the account listed below : XXXX XXXX : XXXX - {$10000.00} I request to have this account removed permanently from credit report ( s ). Please block this account. This account is fraudulent and unverifiable.

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 2019-03-11 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Auto Loan still remain on my credit after it has been fully satisfied in the Full amount. This Auto Loan Was Fully Satisfied XX/XX/XXXX. This Auto Loan Is From XXXX. I Was The Seconday On The Account For My Brother. I Have The Sealed Document Of The Cleared Judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: NY

Complaint narrative:
After multiple request of complete validation sent by certified mail to multiple companys that claim i own this bogus debt no proof ever has bin provided of any kind after 15 years.Thers nothing out there and i want them to stop harrasing me or a lawsuit will follow.I will fight this till the end of my days.Again thers nothing out there. 
A complaint was filled before with a previous company called XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX. 
CFPB # XXXX on date XX/XX/17 Than it was sold to XXXX XXXX , LP file # XXXX again no proof of any kind. 
Again sold to another BOGUS company FBCS , INC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX trying to collect on this bogus debt and i file a complaint to this company .I want all this nonsence to complete stop. 
They all trying to collect in behave of XXXX XXXX XXXX. with no proof ever provided requisted by me by certified mail ( have the proof ) isnt that illegal? 
Orignal Creditor XXXX XXXX XXXX XXXX XXXX file # XXXX Amount they claim i owe {$1700.00} My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX tel # XXXX 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 2019-03-11 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: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-11 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: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts, inquires, and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove as soon as possible. Attached will be my FTC report. 

Please remove these fraudulent inquiries listed below : Inquirer Name XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: AES/PHEAA
State: TX

Complaint narrative:
I've contacted XXXX  and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX  ( or XXXX ) XX/XX/XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX   representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from XXXX that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to XXXX  et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked XXXX et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX  received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.

Company response to consumer: Closed with non-monetary relief