vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I applied for the Wells Fargo / XXXX XXXX card. They denied my application for the following reasons : *Too many inquiries. 
*No open installment loans. 
*Too many late payments, negative records, collection agency accounts or derogatory public records. 
The first two items are subjective. However, I monitor my three credit bureau reports daily, and I do not have any late payments, negative records, collection agency accounts or derogatory public records on any of my credit reports. I have a perfect payment history for the reporting periods of all three bureaus. 
I called Wells Fargo and asked them to review their decision. They reviewed and sent me the same nonsense reply. 
In light of the massive fraudulent, criminal activity alleged against Wells Fargo for opening accounts that clients never knew about, I find it incredible that they use a bogus excuse to deny a legitimate application from a well qualified applicant.

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 2017-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I registered at Experian.com in XX/XX/XXXX, which claimed of providing free unlimited Experian report for its members. I was able to get my Experian report from XXXX toXX/XX/XXXX. Then its website started showing error message and I could not retrieve report from it since XXXX. 

In earlyXX/XX/XXXX, I contacted Experian Membership service, reported this issue. OnXX/XX/XXXX, A representative tried to contact me and left a voice mail. When I called back, I was informed that Experian Membership department ca n't see my Experian credit report ( it 's blank in their end ). They asked me contact the Experian credit bureau department to request a paper report and upload to Experian.com/XXXX. They would open a tech support ticket after seeing my uploaded Experian report. 

I expressed my concern and upset, and the supervisor XXXX ( Employee ID XXXX ) informed me that their department just need to know that my credit report has account information on it, it 's not empty. And I have to request a new credit report myself. I told her that i just ordered my annual Experian credit report on XX/XX/XXXX. Everything looks normal. It was not empty. I have also subscribed ProtectMyID alert, which is also a division of Experian, and no suspicious activity was reported. However, the supervisor insisted that I have to request a new Experian report, and uploaded to them before they try to fix the website glitch. They would not do anything even after I told them i have a XX/XX/XXXXexperian report with correct account info. They further informed that i may need to pay for a new credit report since I had ordered one on XX/XX/XXXX 

The way the membership service at Experian department handled website glitch was so ridiculous and suspicious that it looks like they just want to mislead customer to pay extra to get a paper credit report instead of fixing their website glitch.

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 2017-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. 

Here is the text of their warning on their website. It says " OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Citibank - XX/XX/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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - XX/XX/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 2017-09-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )

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 2017-09-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase blocked one of my credit card about two weeks ago stating fraud review. However after I called in and answered questions they said only a specific department can gain access to the account and clear it. They stated they would contact me within 24-48 hours to clear it up but that never happened. I 've followed up three times no one has EVER given me a call. They have since blocked all of my credit cards with Chase. I pay hundreds of annual fees on these cards and the fact that I am not being able to use the cards as advertised is simply unethical. I do n't know what they need but they are not following up on the issue at all. I am currently in Florida in the middle of a hurricane and I have no way to pay for things. This is absolutely a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: TX

Complaint narrative:
I have an Inquire from XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to Equifax and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to XXXX XXXX XXXX I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an Inquire from Comenitycapital/XXXX on XXXX XXXX,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
I submitted a previous report to XXXX and was told The company needs authorization from me to proceed with my complaint. Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot. 
On my previous complaint directly to Comenity Capital Bank I was replied the following : On XXXX XXXX, 2016, an application for a XXXX XXXX XXXX XXXX account was submitted using your personal information. When an application is submitted, the applicant provides authorization for credit information to be obtained by the Bank. The Bank reviews credit information to determine an applicants creditworthiness. Credit information is pulled one time when an application is submitted. The inquiry showing from the Bank on XXXX XXXX, 2016, was a result of the XXXX XXXX application being submitted. As such, the inquiry on your credit file is accurate. The letter regarding the application is enclosed for your review. We respectfully decline to request removal of the inquiry from your credit report at this time. If you believe this application was submitted fraudulently in your name, please contact our Account Protection ( Fraud ) Team at ( XXXX ) XXXX. 
I have tried contacting their Account Protection Team to express my concern regarding this unauthorized inquiry and have received no reply or answer to my concerns. 
For this reason and the previously stated I wish for the unauthorized inquiry removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back Capital One Auto FinancingXX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back. XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed. XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
Capital one auto financing XX/XX/XXXX I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX XX/XX/XXXXInquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
TD BANK USA/TARGET C XX/XX/XXXX- inquiry, Target advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax stated they were hacked and set up a website to tell individuals if they weee affected at www.equifaxseciroty2017.com but this site does not actually tell you if you were affected or not. Entering information does not provide that answer. Only takes you to a page to sign up for credit monitoring ( and also agree to their TOS, which may not be favorable ). There is a number to call with questions, but hold times are so long you ca n't actually speak with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX shows on these date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX No actions were taken by the company

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 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint against Equifax many times regarding negative credit reporting that has surpassed the seven year retention term for negative account history. You have destroyed our credit for 10 years. The loan we co-signed for was reported to the other two agencies in XX/XX/XXXXand XX/XX/XXXX. You have a report date of XX/XX/XXXX which is absolutely incorrect and this is a con either by Equifax or XXXX XXXX XXXX XXXX.
We have and continue to suffer punitive damages as we are elderly and have been turned down for a home refinance loan due to this negative credit report. We have requested proof and been ignored and we are asking for notarized information regarding the XX/XX/XXXXdate you have on file for us and all back credit reports from XX/XX/XXXX through XX/XX/XXXX. Who contacted you in XX/XX/XXXX, from what agency and where is the proof of this incorrect reporting.
Why is it you think you have the right to take 60 days to provide the information that is having a major impact on my life when you have already created this serious financial burden to continue incorrectly??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX, XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, &XX/XX/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