vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX After Hours Clinic in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?

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 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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:
I submitted a dispute XX/XX/XXXX at XXXX. At XXXX same day, I received an email that my dispute has been updated. How can there be an investigation that quick? Most companies arent even open until best case scenario XXXX. There are errors on my credit report that should be 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 2018-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Unauthorized Charge of XXXX I am writing this letter to a follow up letter Citi Bank sent me on XX/XX/XXXX. I did not authorize XXXX to charge my credit card on XX/XX/XXXX ( on military business ). However, I authorized XXXX XXXX to charge my Citi Bank card for a much cheaper flight ( estimated cost of XXXX ) .If you check the date of the flights, you would understand that I had no need for two flights. While on the telephone with XXXX Customer Service Rep, I told him never mind, but evidently, he booked the flight without my consent. On numerous occasion I called trying to dispute these charges to no avail. While in dispute, I continue to make good faith payments. Further more, how can a person board two planes simultaneously. 
In closing, I am requesting that my money be credited back to my account because that transaction was unauthorized

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 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion are reporting my total credit history to be 14 and 15 months respectfully ; thus lowering my credit score unfairly. I'm XXXX years old and my credit history is actually well over 30 years. I went through a successful Chpt XXXX BR, paying off all my previous creditors three years ago. 

My correct length of credit history should reflect the overall history ; not just the last 15 months. Only showing my credit history as 15 months, but showing my public record of a Chpt XXXX BR, does not accurately reflect my PAYING OFF numerous creditors that go back much more than 15 months. This bias negatively reflects my credit history as being short, while at the same time shows only the negative aspect of my real credit history -- the Chpt XXXX. In fact, only about 5 % of persons filing Cht XXXX complete the payment plan. This is not a negative ; it should be reflected that way. 

I paid off many accounts more than three years ago. The public record SHOWS a Chpt XXXX discharge 3 years ago -- AFTER I paid off several accounts -- such as XXXX XXXX of XXXX County mortgages and many other accounts. 

How could my credit history only be 15 months? That is incorrect.

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 2018-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citigroup is engaged in action to restrict the 2nd Amendment rights of U.S. citizens, by using its considerable influence and enormous market share to affect the ability of arms manufacturers and retailers to obtain loans and do business with them unless agreeing to meet these terms of restrictions including but not limited to : ( 1 ) selling firearms to citizens under the age of XXXX and ( 2 ) manufacturing certain types of legal firearms and accessories. This restriction on doing business with clients and consumers that are otherwised engaged in lawful activity, by one of the largest banks in the U.S. ( and in collusion with other large bank ( s ) ) should be worrisome to all U.S. citizens. If this ability of major influential corporations to collude in enforcing their own political views on the citizenry ( and in opposition to laws generated through the democratic process ) is allowed to go unchecked, especially in opposition to one of our most important constitutional amendments, large banks may see a pathway to enforce other political policies on the public, without representation. Consumers should research this issue, including investigating the largest shareholders of Citigroup, and their ties to foreign governments, as well as Citigroup 's ties to well-known billionaire gun control financiers, and then make their own decisions about whether to do business with Citigroup and its consumer banking division Citibank.

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 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Approximately 4 months ago ( XX/XX/XXXX ) I reviewed my credit reports for all 3 credit bureau agencies and I noticed that AFNI is reporting a debt of {$730.00} that I am unaware of via XXXX & XXXX. Approximately one month later ( XX/XX/XXXX ) after requesting validation via a dispute, AFNI sent me an itemized bill stating that they were validating the debt. There was no signed contrtact with my signature attached and therefore they havent been able to provide any proof that this is my debt. AFNI continues to send me bill statements as an attempt to validate this alleged debt, and since they are unable to provide proof that I entered and/or signed a contract with them I would like for it to be removed from all of my credit files that they are reporting this debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. 
When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. 
I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has  dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays 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 2018-05-28 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On Sunday XX/XX/2018, I had received notice from a XXXX XXXX that it was new inquiry was added on my XXXX report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: ABR Recovery Services LLC.
State: KY

Complaint narrative:
ABR Recovery continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with XXXX since XXXX. XXXX states that ABR Recovery Services continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: CA

Complaint narrative:
On Sunday XX/XX/2018, I had received notice from a XXXX XXXX   that it was new inquiry was added on my Equifax report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 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:
XXXX XXXX continues to report false information on my credit report. They claim I owe them on an account that I had previously paid with another creditor. 

I have tired of this company continually violating my rights under the FCRA. I have disputed this account at least 5 times with Equifax since XX/XX/XXXX. Equifax states that XXXX XXXX XXXX continues to submit this information. 

I have submitted multiple complaints concerning this issue on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

This false report has cause my credit score to decrease and has affected my ability to gain credit. How many times will this fraudulent activity continue to be allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for a credit card with Chase Credit Card ( J.P. Morgan Chase Bank ). My card was approved and opened XX/XX/XXXX with a {$33000.00} ( XXXX XXXX dollar ) spending limit. My card was closed by them on XX/XX/XXXX. Chase is using criteria which is having a disparate impact on XXXX and possibly other minorities. The reason I say other minorities is I believe it also effects people of non- XXXX XXXX. Several lawsuits and complaints about XXXX accounts being closed. So an XXXX may be demographically listed as XXXX but isn't XXXX. Hence I also believe that a careful look at those that effected from the policy ( s )  they are using to deny me credit ( I have 820+ credit scores ) have a disparate impact on XXXX and possibly non-XXXX. This is the 3rd time they closed an account and have refused me credit. The initial happened after I used my card in XXXX and used my bank account to wire money to the same. I am XXXX hence I travel to XXXX as a XXXX would travel to or send money to XXXX. Please stop these unfair practices. People should be treated equally regardless of origin or visiting countries. My identity was confirmed and I have never not complied with any regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: SC

Complaint narrative:
My original complaint against Experian was on XX/XX/XXXX after I pulled my credit report on XX/XX/XXXX and saw that Experian was continuing to report a negative collection account after a company has already agreed to delete the item. XXXX XXXX sent me a confirmation letter on XX/XX/XXXX confirming they had already sent the request to the credit bureaus to delete the account. Experian responded on XX/XX/XXXX and stated that the account was not reporting when in fact it was at the time of my FIRST complaint. I would like for Experian to be held accountable for falsely reporting information and comply with the companys request to remove the debt.

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 2018-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
External app XXXX can not access my acct whrn given permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Placed a temporary credit freeze with Equifax after their XX/XX/XXXX data breach, on XX/XX/XXXX. Now I am trying to unfreeze my credit ( XX/XX/XXXX ) so we can apply for a home mortgage and other credit and we are unable to get through to them to lift it. Their automated phone freeze line is faulty and inoperative and so is their automated website freeze feature. I have been calling with no success either. This is a huge problem and was supposed to be an easy process. i have been reading XXXX posts, and other comments on various websites about many other people who are still experiencing similar issues well into XX/XX/XXXX. How is this not fixed yet? 

I feel like I am being taken advantage of and punished for something that is not my fault. Equifax gets hacked and our personal data stolen, and now I continue to pay the price and can't even lift a simple credit freeze so i can live my life. 

Once I can finally get through to them or lift the freeze I am tempted to cancel the freeze altogether. This has been such a frustrating, painstaking, and miserable experience that I can't even imagine trying to go through the freeze/unfreeze process again. 

How is it that they mess up, and they aren't held accountable? Consumers are still paying the price. The CFPB needs to hold Equifax accountable and ensure that their phones, websites, and staffing are sufficient and adequate to handle the vast number of American consumers affected by this scandal. What good is a credit freeze if you can't ever lift it when a life circumstance warrants it?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: CO

Complaint narrative:
This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I went on line to pay my account and notice two of my accounts were closed without me knowing, never received a letter or nothing. I called on XX/XX/XXXX and spoke to a credit specialist at Capital One asking why were my accounts closed and he ( XXXX ) couldn't tell me. Both of these accounts were open XX/XX/XXXX/XX/XX/XXXX never been 30 days past due on never account. I been trying to establish good payment history to better my credit. These can't be right how companies mistreat consumers like me.Now it's showing on my credit closed and credit score has gone down.I needed these two accounts to build my credit up.I called again the following day and Capital One just told me to cut cards up and make sure I pay the bill mthly.Is this right?

Company response to consumer: Closed with explanation