vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Filed Bankruptcy charter  XXXX  on  X/XX/2015    and was discharge on  XX/2015,  and Bank of America did not report to the credit Bureau any of my payment since them, my house was not included in the Bankruptcy I had call many time and they said that I have to re-affirm, the debt..   I went to the city attorney and He said California is not required do so ...   I called the Bankruptcy attorney and he want me to re-open the Bankruptcy and pay he 's fee plus  XXXX  court fees to re-open my case ...        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX   XXXX   California  XXXX   XXXX   XXXX   XXXX  Bank of America Loan #  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 2017-05-03 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I requested a credit line increase on m y Chase  credit card. They said they would need to run my cred it ( har d inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  X/X/2017    and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted   XXXX   disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times Chase with no answer. In summary, Chase performed an explicitly unauthorized access to my  credit score , violating my rights, and perhaps violating the law, and they are not doing anything to fix it.   XXXX    denied without major reasons my request to fix this, in spite of the supposedly communication sent by Chase reporting the inquiry as erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Costco ended its relationship with  XXXX   XXXX  last year and offered Costco members the chance to have a  XXXX  card through Citibank. I have no interest in having an account with Citibank so did not pursue that option. I tossed all of their mailings in the trash with the other junk mail. Yesterday I received a call from Citibank about my account. I called them back and told them I do n't have an account, they told me I do and that it has a charge on it ( Costco membership fee ) and late charges. If  Citibank mailed me a card I tossed it and never activated it.  Citibank  should not have an account under my name and should not have allowed a charge to be made on an inactivated account.  Citibank  told me I need to get Costco to reverse the charges, but they never should have accepted the charges in the first place.

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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
PLEASE DO NOT MARK AS DUPLICATE. This is my third complaint about an issue that was not resolve by the bank. Case #  XXXX  was marked as duplicate but it is NOT a duplicate. Please read the content and have the bank address my issues.     Barclay closed my credit card without prior warning and wo n't give me a specific reason. This has caused a lot of inconvenience.I filed a complained already requesting a refund for the {$89.00} annual fee they charged but Barclay denied my request stating : " As stated in the terms of your  Cardmember Agreement , we reserve the right to close your account at any time, without prior notification .... With respect to the {$89.00} annual fee, unfortunately, we are unable to issue credit since the request for account closure was not processed within 60 days of the fee billing date. " First of all,  Barclay  was the one that closed my account without warning and states they have the right to close account any time. The 60 days does n't even apply because I was given no choice with the account closure. How is this business practice fair to the consumer if a bank can just charge an annual fee for a card, collect money, and close accounts any 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 explanation
Consumer complaint received 2017-05-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I contacted Citibank in order to dispute a charge from  XXXX  on  XXXX / XXXX / XXXX  in the amount of {$330.00}  XXXX   XXXX  ). The charge was for a flight that was booked online. I did not know until I received the confirmation, just before the flight, that  XXXX  booked the flight to the wrong airport.  ( T wo airports had the same name, one was in  XXXX , the other was in  XXXX   XXXX . ) I had contacted  Citibank  on  XXXX / XXXX / XXXX  because I had all the paperwork together and wanted to write to Citibank to dispute the  XXXX  charge. The person who answered Citibank phone for disputes said they would NOT give me the address to write to at that time with my dispute, but would take the information over the phone. I argued that I needed the ADDRESS for the billing disputes department because I would not have time later to write the letter and wanted to protect my rights. They refused to provide me with the mailing address of the disputes department.     Instead, they wanted to verbally gather a considerable amount of information regarding the nature of the dispute, assuring me that they could work with it. Despite my repeated objections to wanting the actual address to write, it was not given to me. I was going out of town.      Citibank  subsequently mailed me a letter requesting information that was already provided on the phone.     I called  Citibank  today. They do not know why they had previously refused to provide me with the address of the dispute department. They also do not have the information that the person had taken over the phone collected anywhere in their documentation, ( So all they did was waste my time taking it. ) They tell me it is now too late to dispute the claim.

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 2017-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have been trying to finish my  XXXX  months car payment, I called  DT  bank to give me the exact amount that I must pay. I have received abo ut 3 differe nt letters with different amount. I submitted a complaint to your office. I received a reply but did not answer the question I have been asking. Last week I received a letter from  XXXX   XXXX  the Senior vice president with the exact amount to pay before  XXXX / XXXX /  XXXX  . He also stated that if I do n't they will repossess my car for a {$350.00}. I called  XXXX  on  XXXX , made payment. I called early this week asking for my car title I was told that the loan numb er I gave to t hem is not on record. I was asked to provide my social, I gave the women my social. After that she ask my name and address, I did just that. After that she than asked my birth date. I told her I will not. Due to identify thift. I also told her I was told  by     XXXX   XXXX   th at once I agree to sign up for a voice recognition I will not be asked to provide all my information. That also was a lie. So the women hanged up the phone. Today  XXXX / XXXX /  XXXX  . I received a certified mail from  TD sayi ng this is a last notice I must pay {$350.00}. If not they will repossess my vihecle. I also received another letter that I own {$190.00}. I paid TD bank more money for this used car. I want my car tit le. Life goes on I want to move on  with my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.

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 2017-05-03 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: NY

Complaint narrative:
I can not cancel a gym membership and I am being charged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: SC

Complaint narrative:
Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed a dispute for a state tax lien on my report, the credit bureau removed the item during dispute but then turned around and put the item back on my credit report and restarted my  XXXX  year clock. The tax lien is for the  XXXX   XXXX  court in the amount of {$2000.00}. This lien has been paid and released. The dispute was filed to dispute the amount as being incorrect. My husbands tax lien public record was removed but mine was removed and then add it back. I contacted  Trans Union  to have the item investigated and all they did was redisputed it for being " too old to be on my report ''. I contacted my local  XXXX   XXXX  clerk office and they informed me that they do not report as to the credit bureau 's but that the credit bureau 's hunt this information and then add it to the consumers report. My goal is to have all of the bureau 's correctly report, or remove my public record for this tax lien.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.

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 2017-05-03 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: WA

Complaint narrative:
I requested a credit line increase on my  XXXX  credit card. They said they would need to run my credit  (  hard inquiry ) to handle my request. I explicitly denied such authorization to perform a credit inquiry. However, they did run my credit on  XXXX / XXXX / 2017  and increased my credit line. I contacted them again complaining about such unauthorized credit inquiry. They reverted the credit line increase right away, and they sent a communication to the credit bureaus to remove that inquiry. They advised me to wait a few weeks or proceed to submit a dispute to the credit bureau. They insisted they ca n't be responsible for the information on my credit report, which is silly because the original error accessing my credit report without authorization was from them. Then, I contacted Equifax disputing the credit inquiry on my report, explaining all the situation, Confirmation Number :  XXXX . The status of that complain is " Completed '' and the result was " N/A ''. I have also contacted multiple times  XXXX  with no answer. In summary,  XXXX  performed an explicitly unauthorized access to my credit score, violating my rights, and perhaps violating the law, and they are not doing anything to fix it. Equifax denied without major reasons my request to fix this, in spite of the supposedly communication sent by  XXXX  reporting the inquiry as erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had been disputing the collection account that is being reported on all  XXXX  credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In   XXXX   XXXX   I sent a debt validation request to  National   Credit Systems  in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on   XXXX   XXXX   and signed by    XXXX   XXXX   . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: TX

Complaint narrative:
I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  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 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I have a loan with COVINGTON CREDIT  XXXX   XXXX   XXXX   XXXX , GA  XXXX . I had a check returned for  XXXX . I wrote a letter explaining that I 'll cure the check  XXXX   XXXX ,  2017 . When I called, THE  XXXX  FEMALE REP, I 'M  XXXX  TOO, TOLD ME THAT MY CHECK CLEARED. I ASKED, ARE YOU SURE? SHE REPLIED YES. TODAY,  XXXX   XXXX , THIS SAME  XXXX  CUSTOMER SERVICE REP CALLED MY HOME  15 TIMES, YES, 15  TIMES CLAIMING I OWE  XXXX  SHE EVEN CALLED A RELATIVES CELLPHONE. I WILL CURE MY DEBT ON THE  XXXX  OF  XXXX . This employee does not know her job nor does she know that in Georgia, calling someone consectively is Misdemeanor stalking. She gave me wrong information and I tried to do the right thing and cure my debt. I want her stop calling my home and she needs to do her job right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: DE

Complaint narrative:
XXXX      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo  XXXX  no signature and no contract

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 2017-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   run  by Comenity contacted  a family member of mine ( my sister ), and gave them all of the details of my debt including how many payments I was behind, how much I owed them, and possibly more that I am not aware of on  XXXX   XXXX ,    2017. I   find this to be completely unethical, and dangerously reckless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My name is  XXXX   XXXX   XXXX , not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  delaware  XXXX  not  XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX   XXXX   XXXX   XXXX  de  XXXX , and these are not my last  XXXX  digit social  XXXX , and my phone number is  XXXX  not  XXXX  and my work address is  XXXX   XXXX   XXXX   XXXX   XXXX  de  XXXX  not  XXXX   XXXX   XXXX  de  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