vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 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: PA

Complaint narrative:
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm no longer disputing my student loan information and I'd like those remarks removed. I've been having a hard time getting the remarks removed.

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
New HSBC Gold card advertised as 0 % interest and 0 % transfer balance fees for 18 months. Applied for and received new card approximately XX/XX/XXXX. Card # XXXX XXXX XXXX XXXX. Executed balance transfer request XX/XX/XXXX from XXXX XXXX card to HSBC in the amount of {$3500.00}. Discovered today a " finance charge '' of {$140.00}. NOT explained in advertising or identified at time of balance transfer request. HSBC refuses to waive the charge upon my request. This is a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am no longer living in the USA. I have {$38000.00} remaining in an account at Wells Fargo that I need to transfer to my new account abroad. They refuse to raise a {$5000.00} online banking daily transfer limit. The only way they say I can do this transfer is by going into a branch which is obviously not an option. They are doing this so that they can repeatedly charge me wire transfer fees for multiple {$5000.00} charges. I have been trying to get them to raise this limit for 2 months now. They are holding my money hostage!

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 2018-11-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from One Main Financial. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
Myself, my wife, my wife 's father, my brother all received a call on the same day and multiple times from XXXX XXXX regarding a debt owed by a distant family member. We do not have any relationship with XXXX XXXX and we did not give written consent for them to contact our numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
In XX/XX/2018, I submitted preliminary personal information to ONE MAIN FINANCIAL ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the ONE MAIN FINANCIAL website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my XXXX credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at ONE MAIN FINANCIAL. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my XXXX report. She stated that the bank 's tech team had determined that, having visited the ONE MAIN FINANCIAL site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the ONE MAIN FINANCIAL main website page ( at a different, earlier time ). 

At no point did ONE MAIN FINANCIAL note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the ONE MAIN FINANCIAL representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On Citibank card, I made a dispute and then reversed it. However, the merchant claims that they were not paid. I spent two months going back and forth with the Citibank Trans Fraud asking them to trace where the money was sent. Only information the Citibank can provide me is the reference number that I can supply to the merchant, which is not sufficient information to trace where the money is. 

After 6 weeks of goose chase run around on phone calls, I made a visit to the Citibank. 
One of the bankers helped me to escalate the issue with the executive office. During the process of communicating with the executive office, one of the specialists said the money was sent to XXXX XXXX. However, the merchant claims that they bank with XXXX XXXX XXXX and they have no affiliations with XXXX XXXX. The executive office promised me that they will resolve the investigation within two weeks. 
It has been three weeks and the executive office has been ignoring my phone calls.

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 2018-11-02 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: NJ

Complaint narrative:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

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 2018-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/2018, I received a text message from Chase Card Services concerning a charge to my account for {$6400.00} at XXXX XXXX XXXX. I responded that this was not my charge, and then Chase called me. During the phone call, I informed Chase that I was disputing the charge because I had not made it. Chase informed me that they would investigate and they would issue me a new card. 

On XX/XX/2018, Chase informed me that they were assigning me responsibility for the purchase because the item purchased was shipped to my home address. I informed Chase that I was still disputing the charge, as I had not made the purchase and I had not received the item. 

I spoke with XXXX XXXX XXXX and they informed me that the item was ordered via phone on XX/XX/2018 at XXXX XXXX and that it was shipped via XXXX. I spoke with XXXX who informed me that XXXX picked up the order from XXXX XXXX XXXX on XX/XX/2018 around XXXX XXXX - meaning that the item was sent out nearly 24 hours after I had already informed Chase that I was disputing the charge and that it was not my purchase. They informed me that the item was delivered to my apartment building on XX/XX/2018. 

I later followed up with Chase and provided them with my phone records on the date of the purchase, including some of my geolocation data, confirming that I had not called XXXX XXXX XXXX on XX/XX/2018 and that I was not at home when the item was delivered on XX/XX/2018. I was at work when the item was delivered, and whoever ordered the item had requested " No signature required. '' I never received this item and never received any benefit from it. 

I filed a police report with the XXXX on XX/XX/2018, police report number XXXX with the XXXX precinct. 

I also sent a letter to Chase on XX/XX/2018 concerning this dispute. 

On XX/XX/2018, Chase sent me a letter stating that they confirmed the " transactions are valid. '' This dispute process is completely unsatisfactory. I informed Chase immediately that I had not made this purchase, and they did not take any steps to insure that this item was not shipped. They had nearly 24 hours to prevent the shipping of this item, it was their inaction which led to whoever fraudulently purchased this item actually securing the item. 

I will continue to dispute this charge with Chase, I kindly request your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2018, I submitted preliminary personal information to XXXX XXXX XXXX ( via their website ) for a pre-approval on a personal loan offer. When I did so, I was with the belief that the initial inquiry would only result in a " soft pull '' on my credit report. The lead ( page one ) of the XXXX XXXX XXXX website notes that the initial inquiry would not affect my credit score. 

However, the inquiry did in fact result in a " hard pull '' on my Experian credit report, a mark that will remain on my report for two years. I did not authorize such a pull. 

I filed a complaint and spoke with a representative at XXXX XXXX XXXX. While the representative was professional and understanding, she was not able to get the " hard pull '' removed from my Experian report. She stated that the bank 's tech team had determined that, having visited the XXXX XXXX XXXX site from a third party at one point during my extensive hunt for a personal loan, this third party ( XXXX XXXX ) bypassed any " soft pull '' inquiry that I had been informed of while I had investigated the XXXX XXXX XXXX main website page ( at a different, earlier time ). 

At no point did XXXX XXXX XXXX note that, by visiting their website via XXXX XXXX, I would be bypassing/declining a soft pull on my credit. 

The result is, quite simply, false and misleading advertising that has caused harm to my credit file. In fact, the XXXX XXXX XXXX representative said I was not the only person who had complained about this problem. Yet the bank has done nothing to correct the situation as of XX/XX/18.

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 2018-11-02 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:
On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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:
I previously contacted XXXX XXXX XXXX as well as Equifax to inquire on the late payments reflected and were told that the account would remain open and in good standing now that it has been paid but they couldn't lawfully suppress any particular portion of the actual payment history on my XXXX account including late payments, neither can they lawfully delete the tradeline altogether for your account. 
After receiving this, I noticed that a significant amount of late payments, 28 to be exact were added to the account that were not previously there. To add insult to injury, on exactly XX/XX/XXXX I received a notification from XXXX XXXX that an account on my credit profile was listed as " closed '' on my EQUIFAX credit report decreasing my credit score by 56 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 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: LA

Complaint narrative:
I have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On the date of XX/XX/18 someone used my debit card information and made a transaction of {$230.00} at XXXX at XXXX in the city of XXXX without my authorization. I immediately went to Chase Bank and told them I didnt authorize that transaction. They notified the Customer Claims Department and told them that I wanted to dispute the transaction. They said the dispute will be declined and that theres nothing I can do for the reason that they used my actual PIN number thinking it was me who made that transaction. I went to XXXX and asked for any possible evidence but they told me I was unauthorized for them to release any type of evidence. And now Chase Bank is charging me fees on top of that for a transaction I never made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. The initial complaint that I submitted is attached and named XXXX XXXX XXXX Complaint Detail. ( XXXX XXXX is hereinafter referred to as XXXX. ) 2. In my XX/XX/2018 letter to XXXX, I requested validation of their claim that I owe {$520.00}. Specifically, I requested competent evidence bearing my signature, showing that I have ( or ever had ) some obligation to pay {$520.00}. 

3. As you can see in XXXX 's response to the complaint, it provided a copy of a bill ( attached ) as supposed validation. A copy of a bill does not constitute validation. 

4. As per the FTC Opinion Letter of XXXX XXXX XXXX, I am sure Experian, XXXX, and XXXX are aware that a printout of a bill does not constitute validation. Thus, well over 30 days have passed and XXXX has failed to provide a copy of any viable evidence bearing my signature. 

5. The reported {$520.00} item is inaccurate and incomplete and represents a very serious error in your reporting. The item should be permanently deleted. 

6. Additionally, as I am sure Experian and XXXX  are also aware, XXXX has a very unclean reputation when it comes to debt collecting. I have attached some excerpts from the Consumer Affairs website. As you can see, XXXX will stop at nothing short of lying, creating false accounts, threatening people, initiating annoying robocalls, and more. 

7. This CFPB complaint system is the perfect ally for those of us who are being treated unfairly by companies like 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 non-monetary relief
Consumer complaint received 2018-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I attempted to temporarily lift a freeze on my Experian credit file. I was unable to do it via internet or telephone. I was also unable to make contact with a human at Experian to resolve the issue. I was forced to submit the request via U.S. mail. I am in the process of securing a mortgage and time is of the essence.

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