vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Glacier Bancorp Inc.
State: AZ

Complaint narrative:
Foothills Bank in XXXX XXXX, refused to open two separate totally free checking accounts for two separate people. They required an occupation, and when I told them I was an XXXX, and they acted like I didnt have a real job. They immediately said, if I XXXX  XXXX, is your business going to pop-up?. The banking manager was so rude and undermining to my occupation and insisted I was lying. The bank manager also asked where I was moving to, and if I didnt give her the new address, I wasnt going to be able to open an account. The bank manager was even saying that she called my phone number and it didnt go through so did I give them a fake phone number? I gave her the same number and she called my phone again and this time it went through and rang. At the end of the process to get an account, I was harrassed if I had family in the area and a lot of personal questions that have XXXX bearing on opening a checking account ad advertised. At the very end, the manager said she was going to call my phone again because it didnt go through, even though in the office she called it and it rang. Again, the experience was very odd. I was very polite and professional, but the bank manager seemed off. There was another person with me, opening an account, and the same treatment was given. At the end the bank manager said that they didnt want to open an account based on lack of information, but all the information requested was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MD

Complaint narrative:
In XXXX of XXXX I became aware of my father opening multiple credit cards in my name without my consent totaling to an amount of thirty-thousand dollars. I am an the XXXX XXXX XXXXXXXX and I am not stationed in the state where this card was opened or where any of the purchases were made at. I immediately on recognition contacted all the banks that were involved ( XXXX, XXXX, XXXX XXXX, XXXX, CitiBank ) and filed a police report. Every bank except for Citibank concluded their investigations in favor of myself, declaring the debt was not liable to me but that of my father, except Citibank. Citibank has done multiple investigations and proceed to conclude the investigation with " This card was opened using a valid mailing and emailing address thus you are liable for the debt ''. Even with submitting dozens of documents including a signed and notarized letter from the XXXX office in Texas from my father stating these were opened without my consent, CitiBank still continues to hold the debt and push it to collection agencies. I have called, emailed and mailed CitiBank multiple times throughout XXXX and XXXX trying to resolve this issue with the same answer being given. This debt and XXXX lack of appropriate action is negatively effecting my Military career and position.

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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
While I was on vacation from XX/XX/XXXX - XX/XX/XXXX my debit card was lost. I realized it was lost the morning of XX/XX/XXXX. I had just packed away my dirty clothes and things I did not need for my next XXXX days and assumed that i had misplaced it in there. I went ahead using my XXXX pay wallet for the remainder of the trip. My apple pay wallet requires, when charged as a debit, to enter in my pin number. When I arrived home I realized that their were $ 300+ worth of charges that I did not make and my debit card was no where to be found. I called the bank and submitted the fraud claim and was provided a provisional credit and was assured that if I lost my debit card that this would be straightened out. A few weeks later I woke up to my account balance being negative due to those provisional charges being reversed. I looked on my online banking and did not receive any correspondence from Chase bank saying that the fraud claim did not go in my favor or any explanation. I called the bank, was transferred around two 3 separate reps and when asked why it was denied, they just said the fraud claim didn't meet their policy requirements. I asked if I could resubmit the claim and they said no and that I was responsible for bringing my balance to positive and if I didn't I would be sent to their collections department. I called once again that week trying to get more answers and they said it was because XXXX of the transactions I submitted was made using my pin and asked if I had my debit card pin written on the card or anywhere in my wallet. I had my pin written in my wallet but it was still in my wallet so i don't see how that would matter. They then said that because i had done that it was not their problem and I was responsible for the funds, and found it suspicious that I disputed a transaction that I used my pin for. I realized it was my mistake and I had made that transaction using my XXXX wallet. I tried to explain this and the woman rushed me off the phone saying that there was nothing she could do. Now I'm continuously getting collection calls from chase to pay back funds for purchases that I didn't make. I have since switched banks but in essence chase has now stolen over 300 dollars from me and are holding me responsible for transactions that I did not make. Please help me get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lenderfi, Inc.
State: VA

Complaint narrative:
I recently requested with LenderFi this past XXXX to have XXXX  removed from my current mortgage I hold with them. Removal request documentation was received and I responded to it promptly, and an appraisal was ordered. A house inspector came on XX/XX/XXXX and sent results off to an appraisal group that LenderFi is using on the XXXX. Unfortunately, all progress has come to a halt on LenderFi 's end. I have yet to get any status on the XXXX  removal request beyond being told to continue waiting for the appraisal to come back. 

I have tried contacting LenderFi three separate times by speaking with customer service to get a status update. However, I keep getting the run around and told to check back in two weeks every time I call. Last time I spoke with a customer service rep on XX/XX/XXXX, I was told to continue waiting until XX/XX/XXXX. Unsure how an appraisal should take this long considering if this was a house purchase this would be totally unacceptable, yet when its the bank that stands to lose monies collected for XXXX  its okay to be dragged out for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-01 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off and it is also reporting a credit limit and a high credit... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I have had an XXXX credit card for over seven years and have never been late. They were with XXXX bank and switched over to Barclays Bank ( XXXX XXXX XXXX ) in XX/XX/2021. I was not aware of the switch over and didn't receive their card until XX/XX/2021. When I realized the switch over I went online to see what was going on and discovered they were showing a late payment. I called them ( Barclays ) immediately to get it straightened out. They said there were glitches in the switch over apologized for the error, removed late charges and assured me that a late payment would not be reported to the credit bureau. Today I checked my credit report because I received notice from XXXX that my credit score had dropped considerably ( XXXX points ). When I checked my report I found that Barclays had reported a late payment for the month of XXXX. I pride myself in always being on time with all my payments and have never been late on any payment in over 20 years. I called Barclays on XX/XX/XXXX at XXXX a.m. and they would do nothing to help me. I believe their reporting practices should be investigated. Please review my credit report which will show you years of on time payments.. 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 2021-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I have made several attempts to call and speak to someone and after waiting in their queue the call drops. Ive set up appointments for a call and I dont get a call back. Ive sent them emails like it says in their website and automated system and of course no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Notice, it is a fact, Capital One is causing injury to my reputation as am looking to purchase a new home for family purposes Notice, am hoping Capital One is not discriminating against any of my rights as am exercising my rights in good faith. 12CFR 1002.1 ( b ) & 15 USC 1691 ( a ) ( 3 ) Notice, it is fact COVID-19 pandemic caused financial hardships in which resulted in a missed payment Notice, it is a fact, am in question, according to 15USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( bb ), if the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the Present on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian/Clarity has a 30 day late 60 days late on my credit file that has issues in which XXXX claims they placed on my credit report XXXX was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling XXXX to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with XXXX claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying EXPERIAN place the info on there not them. 

I mailed them certified mail with no response to the issue

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Tues XX/XX/XXXXXXXX XXXX1 REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS 180 PAST DUE as of XX/XX/XXXX. THERE ARE MORE THAN 50 NEGATIVE ITEMS LISTED ON MY CREDIT FILES BY CREDIT ACCEPTANCE CREDIT ACCEPTANCE HAS A REPUTATION OF RUINING CUSTOMER CREDIT WORTHY. This car was PAID OFF by XXXX, I NEVER RECEIVED A LETTER FROM CREDIT ACCEPTANCE FOR MORE THAN A YEAR OF ANY BALANCE. WHEN I CHECKED MY CREDIT FILES, I SAW A HUGE BALANCE OF OVER {$9000.00} THIS CAR 'S VALUE IS LESS THAN {$5000.00} AS OF TODAY. HOW DID CREDIT ACCEPTANCE ARRIVE AT THAT RIDICULOUS BALANCE OF {$9600.00} FOR A CAR WHICH WAS TOTALLED AND PAID OFF THIS MATTER HAS BEEN REPORTED TO THE Attorney General 's Office in CA and ALL other Customer Reporting Agencies in the United States. CREDIT ACCEPTANCE obviously has not learned their learn from ALL the Lawsuits filed in State of Massachusetts ... .and the more than {$25.00} MILLIONS they were asked to pay for the BAD BUSINESS PRACTICES ..... 

You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 
It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX Insurance for which your Company received a PAYOFF in the amount of {$7600.00}. 
Claim Reference # XXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Your derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally XXXX ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) XXXX XXXX Inability to obtain a reasonable Interest Rate on a Car Loan XXXX ) Inability to obtain a Mortgage Loan XXXX ) Inability to obtain ANY KIND of Credit Card XXXX XXXX Inability to gain employment ( Executive Level position ) due to Low FICO Score XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my FICO Scores a. I have attached copies of my Emergency Room Visits and the related Costs XXXX ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Listed and sold an item ( XXXX porcelain Micky Mouse vintage statue valued at approximately {$1200.00} ) through XXXX marketplace. 
A fraudulent buyer agreed to purchase the item through XXXX for {$1400.00}. 
The fraudulent buyer- ( XXXX ) deceptively informed my wife that she couldn't send over {$1000.00} to her unless it was a business account w/at least {$500.00} in it actively. 
XXXX then had my wife send them ( via XXXX XXXX payments, XXXX of {$500.00} and also XXXX of {$100.00} ) through my bank ( Chase Bank USA ) to create a XXXX business account. My wife informed buyer that she didn't have {$500.00} to do so. So the buyer emailed her a ( fraudulent ) statement showing buyer had funds ( {$1900.00} ) pending in my wife 's XXXX account to cover the cost, then asked to trust her to send {$500.00} plus a {$100.00} refund for shipping costs. 
The buyer then sent a fake XXXX email to my wife stating that her ( my wife 's ) XXXX account was a plus {$1900.00} received from the buyers XXXX account with verification. I have attached the emails. 
My wife then sent, 'as instructed " {$600.00} total to : XXXX thinking she had reimbursed her for the initial sign up cost of {$50.00}, {$500.00} min. balance + {$97.00} in FedEx shipping costs to XXXX Florida. 
Durring this whole process, multiple emails back and forth from XXXX were made with assurance that {$1400.00} would post to my wife 's XXXX account in a short manner of time. 
After a reasonable amount of time, zero money was posted to my wife 's account. In fear of being scammed my wife canceled the transaction with the buyer ( XXXX ). 
My wife has also canceled the shipment and is in process of recovering the {$97.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC
State: FL

Complaint narrative:
I have been trying to reach Huntington DH at ( XXXX ) XXXX about a debt showing on my credit report. This is the phone number showing on my credit report. I called on XX/XX/2021 and left a voicemail. I called again on XX/XX/2021 and XX/XX/2021 and left voicemails each time. No one called me back so on XX/XX/2021, I searched for the company on XXXX, found the company website and called the phone number listed of ( XXXX ) XXXX. I left another voicemail. 
On XX/XX/2021, I still had not received a call back from anyone so I reached out to XXXX XXXX which is showing as the originator of the debt. I called XXXX XXXX at ( XXXX ) XXXX. A rep told me it was transferred to another agency called XXXX XXXX XXXX at ( XXXX ) XXXX. When I called that number, the rep said the account was transferred to Huntington and gave me the phone number of ( XXXX ) XXXX. I called that number and spoke with XXXX, who said that I called XXXX XXXX XXXX but they are affiliated with Huntington Debt Holdings. XXXX told me the account was outsourced to XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. I called that number and spoke with XXXX around XXXX. XXXX asked for my name but she could not find an account. She then asked for the last XXXX of my social and still did not find an account. She asked for my full social security number and then put me on hold. She came back to the phone, said she was still trying to locate the account, and put me back on hold. After being on the phone and on hold for a total of XXXX minutes, XXXX came back to the phone, said her whole system crashed, asked for my phone number and said she would call me back. I still have not heard back from XXXX or anyone else from this agency or anyone from Huntington which is the debt agency showing on my credit report. 
I would like this account removed from all three credit bureaus and I would this debt to be cancelled. No one can tell me what the account is, what it is for, or who it originally came from. No one can provide documentation showing this debt or who the debt even belongs to. This debt is not mine and there is proof of an actual debt.

Company response to consumer: Closed with explanation