vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an AMEX Blue Preferred Cash credit card online on XX/XX/2018 and was promptly denied. I was stunned and called to find out why. After several calls and departments I was told a prior bankruptcy showed a balance over $ 10k. My bankruptcy was filed 13 years ago and was showing this on all of my credit reports for AMEX. I assumed it was some kind of serious internal error. I had to wait until Monday to talk to the Research Dept and thought it would get straightened out. The Research Dept explained that they keep the information on file and can deny credit due to the previously charged off balance. I asked for how long, and she said " FOREVER ''. Forever?!?! Did she say forever? I was in stunned silence. I finally said, the purpose of a bankruptcy is to give someone a fresh start. I have no interest in doing business with AMEX. Thank you. I was under the impression that once the 7 or 10 years is up it is no longer an issue. I have excellent credit now, in the 800 's and don't carry any debt other than the condo I bought a year ago and a used car payment. I applied with XXXX today and was immediately approved at their LOWEST interest rate offered for that card even though they were in my bankruptcy too. I also work for a XXXX company that services Credit Unions. I have a XXXX. in XXXX. But I don't need that to know that this is XXXX. I'm beyond offended and feel this practice of keeping discharged bankruptcy information FOREVER, when companies don't even keep data for that long on ANYTHING else is unethical and unfair. I was in my late 20s and had never ever paid a bill late until I went into business with someone who didn't do what they were supposed to do and was left with everything in my name. It was not characteristic of my financial history before or after that. It's absolutely appalling to me that AMEX has given me a life sentence arbitrarily, without considering my financial picture the other 42 years of my life where everything has been immaculately spotless. Their loss, I have XXXX now and plan to use that card for everything I buy to get the cash back and will pay it off monthly. I'm disappointed in AMEX for being so impersonal. I want to know from the CFPB if this is ethical and if this is legal according to the CFPB and other financial governing agencies. I'm also going to ask a class action lawyer. I also work for the XXXX of the Legal, Compliance, Accounting and Finance Depts at work and will find out the best way to get to the bottom of this unfair practice. Good luck, AMEX. This won't be swept under the rug for long. This isn't the first complaint on this site against them on this very issue. Time to put an end to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my 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 explanation
Consumer complaint received 2018-06-05 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: NY

Complaint narrative:
Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies

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 2018-06-05 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: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XXXX   XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 DAYS - XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 60 DAYS XX/XX/XXXX ; 30 DAYS XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. 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 2018-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I have a loan with CREDIT ACCEPTANCE CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CREDIT ACCEPTANCE CORPORAT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and 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
Consumer complaint received 2018-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: NC

Complaint narrative:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX continues to report an account to my credit report that was in previously opened and charges made without my permission the account was included in a Bankruptcy filing due to prior Id error the account was removed and added back to my credit file without prior warning

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 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Today, XX/XX/XXXX @ XXXX, I spoke with XXXX ( ID # :XXXX ) in the Chase Corporate Office concerning, my checking account and the Chase Collections Department ( s ) unlawful and unauthorized withdrawals of my " personal '' cash deposits/monies deposited in my " personal '' checking account to cover my own debts. I shared with XXXX that I have monthly withdrawals from a Life Insurance Co. coming out of my " personal checking account '' ( tonight, usually paid on the XXXX of each month ), I shared with her that I " needed '' to speak with a Chase manager ( during our telephone call ) ; however, she REFUSED to allow me to speak with a manager ( citing, a manager would be phoning me ASAP ), I shared with XXXX that I have already spoken with XXXX ( and wasn't requesting to speak with XXXX )., I shared with XXXX that XXXX telephoned me to report that she had received my complaint 's. I requested ( from XXXX ), the address of the CEO, I shared with her ( XXXX ) that I have written personal check 's " to be PAID '' from my personal checking account ( FREQUENTLY ), I shared with her that my ADULT daughter made payment arrangements with the Chase Collections Dept. for her own CHASE debt ( beginning, XX/XX/XXXX ), I shared with her ( XXXX ) that Chase shouldn't be withdrawing monies from my personal checking account ( to cover my ADULT daughters debt ), I shared with her that my " personal CASH monies '' deposited have NEVER ( in the past ) covered my daughter 's debt to her personal CHASE checking account ( in the past ). And, XXXX agreed with me. My daughter, is an adult. I am NOT responsible for my adult daughter 's CHASE debts. Tonight, I deposited {$94.00} to my " personal checking account '' for my monthly Life Insurance Policies {$28.00} and monies to cover my PERSONAL {$65.00} check. However, Chase Collections Department continue to unlawfully withdraw my " personal CASH DEPOSITS/monies '' from my " personal '' checking account to " cover '' my adult daughter 's previous CHASE debt 's ( in spite, of my external filed complaint 's ). In spite, of my many, many filed internal Chase complaint 's. In spite, of my adult daughter 's payment arrangement 's made recently with Chase. Chase, continues to assess " unlawful '' NSF fee 's to my personal checking account that is directly caused by Chase Collection Department Representatives ' unlawful withdrawals from my cash deposits ( made to my personal checking account ). For the record, Chase isn't to use my personal email or any other personal information provided for this CFPB complaint. I will fax, a copy of my proof of cash deposit into my Chase " personal '' checking account to the CFPB ( deposited tonight at XXXX, XX/XX/XXXX ) XXXX XXXX @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Nelnet, Inc.
State: TX

Complaint narrative:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays Bank Delaware continues to report an account to XXXX and XXXX   the account was the result of bankruptcy filing due to Id theft several years ago the account was previously removed from all credit files and has been readers to XXXX and XXXX without and notice to me

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 2018-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

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 2018-06-05 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: TX

Complaint narrative:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information

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 2018-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a NetSpend gift card from my XXXX nephew for XXXX. I tried to activate it and was told it was a credit card. I let the customer service rep know I did not want a credit card, I just wanted to get the funds off the card. I was told I couldnt use it as a gift card. I replied that my XXXX XXXX nephew bought it off of a gift card rack at XXXX XXXX, how could it not be used as a gift card. After getting the run around I hung up. 

Today, after a few weeks, I have cooled off and called again today. I was told the same story, but the customer service rep at least was willing to see if she could make it a gift card instead. I was put on hold and when she came back on line she told me the card had expired. I asked how could it have expired when the date on the card showed 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 2018-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Risecredit, LLC
State: OH

Complaint narrative:
Rise claims that I inquired them. They are payday loans and that is against my religious values. I never inquired as they claimed. Perhaps once when I didn't know what they were but not more than once. They claim I do it all the time. This feels like a way to destroy my credit report so that I have to rely on them, which is very disheartening.

Company response to consumer: Closed with explanation