vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-26 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:
I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/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 2017-06-26 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: GA

Complaint narrative:
I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/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 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This company refuses to acknowledge dozens of emails to the billing disputes department or faxes to the billing disputes department. Every time I chat with them on their site, they give me the same message, that I need to fax or email, yet this leads no where. Here are the charges I have disputed at least a dozen times : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$91.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} I was attending XXXX school at this time, but I XXXX in XXXX, and finished all of my coursework including my internship  prior to the date these charges were made and I can prove this. I contacted the XXXX school  when the inadvertently processed these charges and was told because the payments go through a third party processor to contact my bank and they would successfully dispute the charges for me since I could prove I was not in school at that time. This company has made a difficult situation, worse. This is a lot of money for me as a new XXXX student, and I was offered XXXX interest for a year but now they are going to start tacking on an interest fee and I can not afford this. Here is my card number XXXX. This is fraud on my account and has been reported to the Fraud Department as well, but again, they refuse to reply or help. I am a XXXX person as well and have been fully XXXX for 15 years. This is discrimination on top of just terrible customer service and treatment of a client. Please help. Sincerely, 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 2017-06-26 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
In XXXX of 2017, I applied for ( thought I was applying for ) a credit card. When I filled out the necessary paperwork, I heard back from a representative from American Express right away. She ( the representative ) had informed me that I was approved for the American Express premier awards gold card. It was not adequately explained that I was getting a charge card and NOT a credit card, which is what I had applied for and asked her for. The representative did tell me at the end of our conversation that the card would need to be paid off, but I misunderstood ( again, thinking I was getting a credit card ). I assumed she was telling me it was prudent practice to pay off the card as soon as I received a statement. The cardmember agreement paperwork and the card I received in the mail made no mention of it being a charge card and not a credit card. It was n't until after I had received a few statements that I realized there was no minimum payment option. When I called American Express to inquire about this lack of option, it was only then that a representative explained to me that I actually had a charge card and not a credit card ... and explained the difference to me. I was told that the only way I could change this would be to reapply for another one of their cards. I 'd have to let them use my SSN ( again ) and run another credit check ... which slightly reduces my credit score each time. I was ignorant, but also taken advantage of. I 'm not pleased by this and after I 've made the necessary payments, I will be closing my charge card with American Express and seeking an actual credit card with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland funding is on my credit report, I have no knowledge of this company or debit they are attempting to collect. I have disputed with the credit bureaus 2 times and requested a signed copy of the contract with midland funding and they have never provided proof. They have called me numerous times and have called my parents house as well. I want this deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My USAA Member Number is XXXX, this is in reference to my USAA XXXX XXXX and  XXXX XXXX card. My account access to all my USAA accounts was restricted and all my accounts including both cards in question with billing disputes were closed without explanation. Any and all requests I 've made for documents regarding such disputes or the written clarification or explanation of above actions has been ignored. To date I still have not even received my current XXXX XXXX statement despite it being several months later. According to the Fair Credit BIlling Act. - ( d ) Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a  billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. ( e ) Any creditor who fails to comply with the requirements of this section or section 162 forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Despite the law, USAA restricted, closed my accounts, failed to provide a written explanation, and all documentation requested. Additionally, USAA reversed permanent credits issues a year ago, with no warning, explanation, information on the reversal or charges and has failed to even provide a billing statement, other than online which USAA restricted my access to. Thus I have been prevented from accessing any documentation directly by the actions of USAA. USAA, also reported false information to the credit reporting agencies, in addition to failing to indicate the accounts were under dispute. In fact, they even reported one of the accounts they reported as being at it 's limit as having it 's dispute resolved. Said account was paid in full, minus any disputed transactions still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
simons agency was supposed to remove negative info from credit reports per the CFPB investigation they did not!    XXXX   XXXX  requested they remove and they did not " The original placements provided by our client were submitted in  XXXX   XXXX . Additional placements were sent in  XXXX  and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . Each placement was followed by a letter to  XXXX   XXXX  at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach  XXXX   XXXX  by phone there has been no positive response to any calls. He is claiming that  XXXX  has refused to accept payment arrangements but the file notes from  XXXX  indicate he would follow up with his insurance. There are no file notes between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  when he disputed his credit report tradelines and Simons confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from  XXXX   XXXX  credit report ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: NJ

Complaint narrative:
XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXX requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXXl requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''

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 2017-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
I noticed on my credit report that I check weekly a hard inquiry was on there from check into cash. This did not make sense to me since I am not new to them. I am a long time customer. And besides, payday loans advertise " no credit check. '' I called and asked why that was on there and the lady said they are now doing something new where every 60 days that do a credit check. I said " that 's going to be alot of hard inquires on my credit report! '' She stated this was new and that since it was considered a loan they could do this. '' My problem is that I was never notified of this " new '' change and that I did not give them permission. If I had n't checked my credit report I would have never known about this. Checking someone 's credit report every 60 days will indeed ruin their credit very quickly. I myself and planning on paying them off very soon and never reborrowing. I can not afford to have my credit ruined to the point where I have to depend on payday loans. I 'm thankful I am rebuilding my credit and am glad I found this out before I have an outrageous amount of hard inquiries on my credit report. They should have disclosed this to customers and they should have gotten my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.

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 2017-06-26 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: PA

Complaint narrative:
In XX/XX/XXXX I applied for schooling thru university of XXXX. I did n't know where to go or where to start. I was a single mom of XXXX working a job making {$7.00} an hr. The reps from enrollement told me I could get grants and not have to pay for schooling due to my income, they also told me I could do my general schooling online the transfer to a local school to finish my XXXX degree. They lied about everything. The schooling was a joke and they took out money for federal loans saying that it was grant money. I only attended from XX/XX/XXXX to XX/XX/XXXX. They took out additional moneys and lied every step of the way. I could n't use any of my credits or schooling to transfer to XXXX XXXX or even XXXX the XXXX college locally. I was frauded by university of XXXX due to me being a single uneducated mother and people who I thought were giving me guideance were only steering me in financial destruction. I have never been able to make payments to the loans from XX/XX/XXXX/XX/XX/XXXX and now it looks like there are more loans and looks like they are new even after all these years. I have tried disputing and just do n't know where to go on this any more. University of XXXX scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Student Loan Advocates
State: CO

Complaint narrative:
In XXXX of XXXX I started contacting companies that I could help me consolidate my student loans. I contacted Student Loan Advocates and they initially advised me that I do not qualify for assistance because I do not have a XXXX XXXX or a high enough balance. I was contacted with repetitive phone calls for a couple days telling me they would be able to help me with consolidation. I spoke to a representative named XXXX and he stated he could help me with the initial on line application, he answered all the questions and stated that my balance would decrease to less than XXXX a month and for a shorter period of time. A couple days later I received an email from XXXX XXXX with an application for me to complete and fax back. In the process of filing out the application a question asked if I work for a nonprofit organization, the answer is no and the next step told me that I do not qualify for assistance. I sent an email back to XXXX advising that I will not be able to complete the application due to my company not being a non profit. I started receiving emails and text messages advising that I need to still sign the application and fax it back. On Friday X/X/2017 I received a text message stating that a charge of XXXX will be taken from my account. I contacted both XXXX and XXXX and advised that I did not agree to a payment since I did not qualify for their services. On Monday XXXX a XXXX charge was taken from my XXXX XXXX Credit card, I called and asked why they are deducting money when I was not approved and was advised that even though I was not approved the charge was the first from a XXXX application fee. On XXXX I went to pay my student loan with XXXX and found that my user name, my password, and my email that is associated with my account was changed. I was not able to contact XXXX until Monday XXXX, I advised of them of the problems and they were concerned that someone has accessed my account and changed my user information. I provided the information of my original user name and password and the one it was changed to right before this one and the rep was able to help me correct my information and put a password on my account. She advised me that it is against the law to access my account and to contact CFPB and FTC to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened online a Wells Fargo Every Day checking account that was offering a {$250.00} bonus for either making 10 debit card transactions or establishing a qualifying Direct Deposit of an accumulated {$500.00} or more within 60 days of account opening. I was instantly approved and received via-email a confirmation with the following data : Application Reference number : XXXX Status : Your application has been approved, and your new account is eligible to receive a bonus offer. I completed the 10 debit card transactions on XX/XX/XXXX. The bonus should have been deposited into the new checking account within 45 days after meeting the requirements. It has passed over a month after the 45 days waiting period and the bonus has not posted yet.

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