vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried on 2 separate days to get my annual credit report via the XXXX website from Experian specifically, but both days I received this response : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report  Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX " I tried 3 times both days - XX/XX/19 & XX/XX/19. A better error message is required for this to be useful. They are doing the bare minimum to provide these reports online, at least in my experience. 

Then, also on XX/XX/19, I tried the XXXX - XXXX phone option, as listed on Experian 's website for example : https : //www.experian.com/XXXX While going through the prompts, I was surprised to hear information provided to ME to confirm instead of me PROVIDING the information for verification. Notably, after being asked if I was calling from my home phone number, the address of my in-laws was provided for my confirmation to which I had to correct. Then, my in-law 's last name was provided for my confirmation, requiring me to correct again. Then a given name not associated with my in-laws was provided ( who knows where that one came from ... ), again corrected by me. It was at this point my SSN was requested and I thought for a while on whether this was a legitimate. 

The XXXX phone line needs work to not guess at and provide personal information - spoofing phone numbers is super easy these days, amiright spammers? Whatever database is backing that phone system hopefully isn't the same system backing my credit report, because some dude named XXXX <in-law 's surname> living at my in-law 's house probably has my SSN now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX-19 I attempted to retrieve my credit report from Equifax. Although I provided the necessary information, the system on the Equifax side sent back a message saying something regarding not being able to process online. On XXXX-19 I tried again and received the same message although all of my information was correct. After trying at least 3 more times and receiving the same message, I called Equifax and spoke with a representative who was first of all hard to understand and was absolutely no help. I asked for a supervisor and after a while a lady who was also difficult to understand came to the phone by the name of XXXX. I told her the situation and once again provided my information. My information was correct, however, the supervisor told me as well as the online system showing ... could not process online. 
I told her that I received my credit reports from both XXXX and XXXX with the exact same information. All the lady told me was that I needed to request by mail and provide certain identifications before they could proceed. I am VERY angry at Equifax and found them to be extremely difficult and uncaring. Every time I mentioned the situation she would only ask me the same questions over and over again and exactly as she did in previous statements to me. 
I eventually hung up the phone as this lady/company seemed not to care about consumers. 
I need my credit report immediately as I believe that information on that credit report from Equifax is the reason I was turned down for a loan. There is nothing showing negatively on XXXX or XXXX. However, I believe the problem to be with Equifax although I do not believe that there should be anything negative on that report as there were no negatives on the other two. 
This situation is causing problems for me as I need a loan to proceed with my living situations. They claim that my information does not match the information they have on file ... however, I know my own personal information and what I provided is correct. The misinformation has to be on the Equifax side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/19 I sent {$250.00} via XXXX through wellsfargo and within 5 mins I realized it was a scam and called Wells Fargo to stop the transaction. They opened a case and told me they would investigate and sent me a letter that theres nothing they could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had the Bank of American XXXX XXXX XXXX  MasterCard in XX/XX/2018, and cancelled it the same year to avoid the {$59.00} annual fee. 
On XXXX, I applied for the card again and was denied, even though I have an excellent credit score. 
On XXXX, I applied again for the card and was denied a second time due to multiple applications. 
On XXXX, I applied again and was denied for a third time due to too many recently opened accounts ( which is not true, i only have one credit card ) and limited deposit/investments with Bank of America. 
I went into the bank branch near me and complained to XXXX XXXX, the vice president/financial center manager ( XXXX ). 
I feel that they will NOT give me the card ONLY because I had it before and do not want me to earn the bonus XXXX XXXX bonus points i would earn with the new card, nor more importantly effectively use my existing 60,000  + XXXX XXXX points, as one needs an active open BOA XXXX credit card account to be able to get the full value from ones XXXX XXXX Account points. Without the card the XXXX XXXX   points, are only worth 25 % of their full value. I believe that they have violated my rights under the Frderal Equal Credit Opportunity Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I signed up for the XXXX XXXX from Barclays Bank. The card included an introductory offer of XXXX XXXX XXXX points awarded after a purchase has been made within 90 days and the annual fee has been paid. The terms stated that the award would be posted '' after making your first purchase in the first 90 days and paying the annual fee. '' I made a qualifying purchase within the first 90 days ( on XX/XX/19 ), and paid the annual fee ( as reflected by the zero balance in the XXXX statement ), but the company has refused to honor the rewards offer, stating on the phone that the terms say that the annual fee must be paid within 90 days, and was only paid after that time. However, the terms clearly differentiate between the initial purchase which must be made within the first 90 days, and the annual fee upon which no required time-frame is specified. While initially, customer service representatives from Barclays denied my request for them to approve the claim, ultimately on XX/XX/XXXX, XXXX supervisor did approve the request, stating that many customers have been calling in regarding the issue of ambiguous terms in the reward offer, and that Barclays has decided to honor these request. The representative was quite clear that the points would be reinstated, only adding that it may take one billing cycle for the points to appear. However, I subsequently received a letter from Barclays stating simply that " we are currently unable to assist you with your rewards issue. '' Upon calling customer service, I was informed that the company was denying the request. There was no record of the approval from the supervisor in the conversation on XX/XX/XXXX, although the representative did acknowledge that there was a call at that time and that all calls are recorded. I subsequently initiated another inquiry on XX/XX/XXXX, this time asking that the details of the case be notated - including the conversation with the supervisor on XX/XX/XXXX. I have recently received another communication from Barclays, again stating that " we are currently unable to assist you with your rewards issue, '' with no further explanation given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX  University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX  loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
There are five student loans showing up on my credit bureau as delinquent. However, all of my student loans transitioned to XXXX and are in repayment with a good standing. Some of the delinquent loans have the same date or date range as my XXXX loans. I did not take out separate loans from the ones I already have that originated at XXXXXXXX XXXX University - XXXX. For example, there are two loans dated XX/XX/2007. Did someone take out a separate loan after I did on the same day? I do not understand why this would show up under the XXXX XXXX XXXX in addition to the XXXX loan in repayment with the same dates. XXXX is the service provider for all of my student loans including my only private loan. Additionally, the XXXX XXXX XXXX XXXX has sent a letter to garnish my check at my job. The principal amount is {$27000.00} ( see attached ), which is close to the same amount I am still paying. Please help me clear this up so this no longer shows up on my credit bureau doubled up with additional fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: OK

Complaint narrative:
Did not receive a notice to dispute within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
Did not received a notice of 30 days to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OK

Complaint narrative:
Did not receive a 30 day notice to dispute debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: NC

Complaint narrative:
My name is XXXX XXXX and my wife and I took a used vehicle loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. We were unable to keep the car and had it Voluntarily repoed. 

They sold the vehicle at a auction and we never got a amount owed from the sale. Now XXXX is reporting late payments on a account that shows still open from 4 years ago on the car payment. Also that we owe a amount we have never seen. States account is still open and active. This is deceptive meant to destroy my credit. Also shows a bogus bank account when I had a savings account with them that I closed as owing money. Both accounts have been reported as recent as XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Did not receive a 30 day notice to dispute claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: OH

Complaint narrative:
XX/XX/2019 I tried to apply for a Chase Freedom Unlimited Card and my application was denied XX/XX/2019 I contacted Chase to see if I could reopen a closed card from XX/XX/XXXX and told me they can not reopen it at this time. 

Separately It also seems Chase has high interest rates and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: OK

Complaint narrative:
Did not receive a 30 day notice to dispute this claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: OK

Complaint narrative:
Did not receive a 30 day notice to dispute this claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was compromised and had an ATM deposit that I didnt make as well as {$2800.00} in Withdrawals that occurred on XX/XX/2019 throughout the day in XXXX talked to the bank and they felt to need to tell me I was a liar through the phone and dont do anything about the money thats been stolen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This is a new debt collector that is purporting that I have a debt, they have never provided my the opportunity to verify the the debt, nor have they sent any correspondence. 

I have disputed the debt and XXXX says its verified - this is bogus, I have not lived at the residence they claim this debt is attached to for years - this debt is false. The debt collector is collecting under a false pretense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I made a complaint with the XXXX about XXXX XXXX  - XXXX adding on some sort of insurance to my cc. This was never authorized!! When I called to activate my card with the # on my card a lady with a XXXX XXXXt tild me i could have XXXX insurance added to my account for {$1.00}! And then receive a {$20.00} gift card. So i said yes to the charge of ONLY {$1.00} and that was it. After awhile i couldn't understand why my balance wasn't going down. I normally pay my bill over the phone. So when i was finally able to access my online account i gasped in horror!!! XXXX has been charging me an extra $ XXXX $ XXXXmo for over a year!!!! I never ever authorized this insurance on my account other than the {$1.00} when i first opened my account like the lady with the XXXX XXXX  said. I would never agree to this highway robbery charge!! Then they also charged me extra finance charges of {$47.00} in XX/XX/2018 and XX/XX/2018 which i have no idea why!!! This is fraud!!! They are misleading consumers. And they increased my interest rate!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I filed an EFT claim with Wells Fargo Bank. The claim was investigated and It was determining that an error did occurred on my account. However my account was closed with no explanation and I was told that I can not open a new account with Wells Fargo. I would like an explanation for the closure & an explanation as to way am not allowed to open a new account. I strongly believe that Im being profiled & labeled by Wells Fargo Bank base on my age & race.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TN

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a Capital One credit card with a {$300.00} dollar credit limit. I recently went through a very hard financial struggle and lost my job. In result I was unable to make consistent payments to my bill. The credit company would not work with me on lower my interest fees or postpone payment due dates and continued to charge me. When before I went through financial troubles I was making all my payments 100 % ahead of the due date. My last payment was on XX/XX/2018. I lost my job XX/XX/2018 and the company continued to charge me high interest rate which resulted in the credit grantor closing my account and leaving a negative remark on my credit of {$420.00}.

Company response to consumer: Closed with explanation