vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This company, XXXX - National Credit Cards / Airlines, has shown up on my XXXX  credit report for the past 4 years. I did contact them by mail, but never received a response. I DID NOT apply for credit with this company and each time, it was listed as a Hard Inquiry on my credit report. I am concerned because I have been the victim of identity fraud three times during the past five years. I want this company to remove this Hard Inquiry from my credit report and to stop inquiring about my credit status. I see numerous complaints about this company online, and I hope you can resolve this problem. Thank you for your help.

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 2018-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone tried multiple times to apply for a XXXX XXXX credit card and it came to my email. So when I check my transunion account my credit score ( XXXX ) disappeared. I called transunion, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called XXXX XXXX they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in XXXX   XXXX. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..

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 2018-07-26 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: GA

Complaint narrative:
I had an account through Best Buy with citi bank. I opened the account XX/XX/2016, the account was suddenly closed in XX/XX/2016. I did not know why. I couldnt use the card, I couldnt access my online account and I was denied information over the phone. After a few months, around a year I was able to speak with someone who allowed me to settle the debt over the phone once it hit my credit. I am in the middle of trying to purchase a home but this account is hurting me. They told me this account was reporting late payments just a few months ago. This account was CLOSED in  XX/XX/XXXX, even if the balance hasnt been paid off how are payments late on a closed account? After hours of speaking to customer service yesterday I was told that the owner of the account was deceased. I am not deceased. They told me they closed my account under error and that the account details say Im deceased. They said they would re open the account but I need the late payments removed now so that I can buy a home. 

After all of this, I cant even get a credit card statement from customer service because I am listed as dead. So I can give no proof to my lender. All customer service ended up giving me was an address to mail my situation to. I need this resolved now! Not in 30 - 90 days!!

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 2018-07-26 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: SC

Complaint narrative:
I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX   XXXX XXXX never late XXXX XXXX not mine XXXX   XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX not mine XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I applied for a HARP refinance program with Loan Depot on XX/XX/2018. The company is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan officer XXXX XXXX XXXX # XXXX, phone # ( XXXX ) XXXX, told me I have to pay for an appraisal fee {$500.00} to get approved. I asked him what if I don't accept their offer, but he said not to worry, they will make it the best offer, they will make it to my liking, they can even give me a cash out. After the appraisal, what they offered me was not what I expected. The refinance fee was almost {$10000.00}. I couldn't agree with their offer, so I told them to cancel my request and give me back the {$500.00} they charged me for appraisal, but he refused. I also spoke to his manager XXXX XXXX, he also said it is not refundable. 
I should get the money back since the HARP program does not require appraisal fee, and XXXX charged me wrongfully. Also since you can't get a cash out with the program, he misinformed me also. I need help to get my hard earned money back. 
Thank you very much for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 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:
equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
XX/XX/2018 They scammed my checking account for {$15000.00} ; they had me download a program named XXXX ; and got into my computer to send them the funds by fax. I closed my bank accounts so they would not take any more . 











The bank was First Hawaiian Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I originally applied for a business credit card with Chase Bank on XX/XX/2018. I was informed the process could take up to 30 days. Early XX/XX/XXXX around the XX/XX/XXXX I called Chase Bank to get an update. They stated that it had been declined and they could not tell me why that I would have to wait to get the letter. The bank rep stated I should have already received the adverse action letter. I checked and did not receive it at my home or business dress. I called back in on XX/XX/2018 and asked why I had not received the letter and they stated they were not sure and tried to get me off the phone citing complications with their process. I spoke to a man named XXXX who stated that they declined it because they needed proof of my address but would be happy to reapply with me over the phone. I stated that until I got the letter I would not provide any more information and XXXX got upset with me. I asked to speak to a manager and he stated that I could not. I asked to speak to a supervisor and said no one was available and I felt as if he was being hostile. I am very upset that they have not followed the federal lending guidelines and supplied a reason in writing for my declination

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: FL

Complaint narrative:
I checked my credit report today, XX/XX/2018 and noticed that the XXXX 's account is incorrectly reporting and now the balance owed is different from what I was told via phone. I spoke with XXXX 's credit card department on XX/XX/2018 to discuss pay for delete for the delinquent account XXXX. The Credit and Collections representative stated the account will be deleted from all credit reports because the balance was paid in full. I have attached the email receipt from XXXX 's for payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone tried multiple times to apply for a capital one credit card and it came to my email. So when I check my XXXX account my credit score ( XXXX ) disappeared. I called XXXX, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called capital one they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in capital one. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: IL

Complaint narrative:
The complaint is against Experian Credit Bureau. They are currently reporting a dismissed chapter XXXX on my credit file, and this should not be there. I have wrote them several times regarding this matter, and they state that the information is accurate, and by law, I can only dispute the same item twice. I contacted the United States Bankruptcy court, in the division of XXXX county, in illinois where the information is from. I wrote them a letter asking them, are they the ones reporting this information to my credit file, and they stated that THEY DO-NOT FURNISH OR REPORT ANY INFORMATION TO ANY OF THE CREDIT BUREAUS. They also sent me a letter stating this as my proof, which I will include with this complaint. So, I sent this letter from the bankruptcy court to Experian, and they still refuse to delete it. when I wrote Experian, and asked them to delete this information from my credit file, they said it was accurate, and that the bankruptcy court did report this information. They are simply IGNORING THE PROOF THAT I HAVE PROVIDED TO THEM. I know that information individuals information is sold to third parties, whom in turn, takes this information and report it to your credit file.

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 2018-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
i was encouraged to attend XXXX XXXX in XXXX and i was discouraged at first when i was told i need money. Since i had no credit history XXXX ( school recruit ) said it would not be a problem for ME to receive aid just as long as an established financially responsible adult would co-sign. 
That's not at all what happened. At any rate i graduated but the school at that point showed its true colors. The XXXX XXXX XXXX where i completed my XXXX ( no pay ) did offer me employment, but at $ XXXX/hr. When i reached out to the school first or foremost requesting my Degree, they failed to do up to present day. I never received my degree. The school will not acknowledge nor did it ever follow up. Secondly the recruit lied and took out a mortgage on my mom from XXXX XXXX, which today Nelnet records show that they gave her the loan as a parent plus, but on their website it clearly states otherwise. And also i was trying to attend the XXXX XXXX XXXX XXXX, and the finance dept their told me that my mom took out a personal loan. That XXXX had said and disguised it as the parent plus. 
Honestly from the minute i completed my 180 hours XXXX. i was confused and uninformed as to why i was making to seperate payments. i never denied wanting to repay. i just always demanded that i have one payment and that it needed to be under me. i know that they did wrong. i filed a case more recently where i was actually given a number for reference. # XXXX the Nelnet acct # im beyond frustrated and concern with is XXXX. 
if you look and review it i would appreciate it. 
Sincerely,. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
On a visit to XXXX, XXXX, ATM machine did not dispense the amount of {$200.00} XXXX Dollars ( = {$150.00} USD ). For this reason, I decided to file a complaint with the credit card company FNBO. Upon receiving response from the bank in question claiming that ATM machine was working as it should, FNBO refused to proceed with my dispute further and advised me to contact the bank involved directly. When I requested the contact information of this Bank/Merchant, random numbers and non working numbers were provided by FNBO who took the situation lightly completely ignoring the fact that I am being charged for a transaction that I did not receive any benefit from.

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 monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has a preferred rewards program that I, XXXX XXXX XXXX am enrolled in. Bank of america has violated the terms and conditions of this program by not boosting my tier credit to the next level due to my qualifying account balances. I wish this to be investigated, as stated by the preferred rewards website, accounts must have qualifying combined balance for 3 months. My account has been maintained with an average of the qualifying amount for the previous three months. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Still no upgrade in rewards. Please have this reviewed.

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have had a vehicle financed by Credit Acceptance out of MI since XX/XX/XXXX year. Prior to signing the agreement I was informed they would install a device that disables the vehicle and avoids and repossessions. However, they have repossessed the vehicle 3x without every using the device. The have generated additional fees, created a higher payment amount and all this along with the increase stress and difficulty of getting to work, doctor, church, etc. 

They raised my monthly balance due ( from {$410.00} to {$460.00} ) and changed my due date ( from XX/XX/XXXX tof XX/XX/XXXX ). When I spoke to them last week and said I would be one week late, the said there's nothing they could do cause the account is 70 days late. IT IS NOT. I've been making timely payments. They increased my monthly amount due in order to avoid such a thing. 

Needless to say, that 5 days after I called them, they repossessed the vehicle for a 3rd time. This is unheard off and complete scam. The lied about the purpose of the device ( it's only used for tracking ), they lied about the increased amount which brought the account up to date. ( Mind you, the only reason I'm in this situation is because they continue to repossess the vehicle for only being 1 week late )

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