vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: NJ

Complaint narrative:
This is in reference to my EPPICard from the State of NJ for Child Support Benefit. The card is issued by XXXX XXXX  pursuant to license by XXXX XXXX. On Sunday XX/XX/2019, I was able to use my card in XXXX PA with no problems. On Monday XX/XX/2019, I attempted to add funds to my son 's lunch account through an online system using the card and the card was declined twice. 
On Tuesday XX/XX/2019, I attempted to make a purchase at the grocery store, and the card was again declined. 
At this point, knowing that there are funds on the card, I tried logging into my EppiCard online account via the website to see what was going on, and received a message that my card was suspended for fraud, that I would be unable to access my online account, and that I needed to call customer service. Prior to this, I had received NO notice from the company that my account had been compromised or was being suspended. 
I immediately called customer service, was routed to the fraud department, and proceeded to wait on queue for 1 hour and 47 minutes before a representative picked up. He asked my name, my social security number and asked when the last time I accessed the account at an ATM. I told him that I don't access the ATM that often, but I remember taking out {$20.00} from the convenient store near my house on Friday XX/XX/2019. He immediately said " I'm not able to verify any of that information, so I'm going to need you to send me documents proving that you are the account holder, like a Drivers License. You have a drivers license, right? '' to which I replied " um, yes.. '' I was a bit stunned at his rudeness. 
I asked the man " I'm not understanding what's going on, and why you aren't able to verify any of my information. Can I please speak to a supervisor? I waited on hold for almost 2 hours, and I do not want to mail information and continue to wait. I need to get this resolved ''. 
He said " I know you waited, but what does that have to do with your account? I can't help you ''. 
I said " Please transfer me to a supervisor. '' He said " I can transfer you to another representative, but they are only going to tell you the same thing that I told you ''. 
Again, I said " Please transfer me to a supervisor so that I can get a resolution today. '' He said " They aren't going to tell you anything different, but I can transfer you to another representative. Yes, that's what I'm going to do. Hold one for one second. ( 5 seconds of silence ). One second. Ok ma'am, I'm transferring you. Goodbye '' and he transferred me back into the queue. 
I waited in queue for another 1 hour and 20 minutes, someone answered the phone, and then disconnected the call. 
Now, Wednesday XX/XX/2019, I am attempting to call again. 
I have already been in queue for over 40 minutes and the department has only been open for an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2019 in the early afternoon I was trying to use my card at a museum for {$9.00} when it was declined several times. When I checked in on the app it said I needed to call them. It was strange they did not call or email me because they have my contact information which has not changed for years ( since the account was opened ). After an unsuccessful resolution with the first person I talked to a supervisor. The supervisor said he could not use my phone number to validate me. I asked why because they have used it for years and it has not changed since opening the account. He asked if I had another number they could use to validate me. I ended up giving them a phone number of a family member and he sent them a validation code. This is very strange and completely insecure that Citi Bank allowed a number I have no control of to validate me. This is a HUGE warning of major privacy and security holes in their protocols for validating. My account could have been hijacked and still could. They did not attempt to contact me in any way when they sensed a problem ; not a call, email, or a code through the app installed on my phone. The supervisor could not ( or would not ) explain why they allowed a number never associated with my account to validate me. I guess I am lucky I have a good relationship with my family. He also never would explain why there was a problem in the first place. 
It is shocking Citi Bank do not offer software Time-Based-Tokens 2-Factor-Authentication which is the standard for high security web based authentication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
I opened a premier checking account with HSBC US on XX/XX/XXXX. Hsbc had a welcome bonus  offer on their  website of $XXXX  if you open the checking account and receive a direct deposit of $XXXX   monthly   within the first 90 day of opening the account. the terms stated that the deposit will be deposited to my account within 8 weeks after meeting the requirements. I met the requirements in XX/XX/XXXX, so i should've received the welcome bonus in XX/XX/XXXX. I called HsBC 2 times and i also send them a message. The message i sent I received no response for. The calls both reps i spoke with they tell me will do an investigation and will call you back. I asked for a case number, but that was not provided and they told me we don't have a case number. Both reps never call me back. the welcome offer i signed up for is simeler to this one: https://www.us.hsbc.com/checking-accounts/campaigns/offers/

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO 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 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Mosaic Solar pulled my credit report without my authorization.  Now they are trying to force me to accept a loan from them.  They also used forged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Several years ago., I got a secured credit card from ORCHARD bank. I had to send them $XXXX  or $XXXX  to get the credit card.  i owe them no money, but they quit sending me an updated card--don't know why--but NEVER RETURNED MY MONEY THAT I SENT TO SECURE THE CARD.  When I called the company to get my secured deposit back, the girl on the line told me that the computer didn't show THAT I HAD EVER HAD A CARD WITH THEM.  Will ypu help me to get my deposit back?  i have tried. This is most unfair for someone then associated with ORCHARD BANK has my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: STATE FARM BANK, FSB
State: WI

Complaint narrative:
I received a 2 pieces of mail sent to my home address dated XX/XX/19 from State Farm Bank with whom I have never done business with and do not intend to. Mail received said I had opened and deposited {$2500.00} into a checking account with State Farm Bank which was not authorized by me.Unauthorized checks were printed and delivered for this account. I had not had any contact with this bank. I do not have any other accounts with this bank. I do not have a signature card with this bank. 

Received letter dated XX/XX/19 from State Farm Bank stating that address on the account has changed. New address is for another family member. Asked family member about this and family member is stating the bank made a mistake. 

Contacted State Farm Bank on XX/XX/19 by phone using the number listed on mail received. Bank representative stated that the checking account is in the name of the family member that the address was changed to. I asked how this account was put in my name and was placed on hold. Bank representative was not coming back to talk to me so I ended the call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: GA

Complaint narrative:
I received a letter from Allied International Credit Corp dated XX/XX/2019 (or some one purporting to be them) demanding $XXXX  as payment for a debt that had been turned over to them from XXXX  for collection.  Contact with XXXX  confirmed that no such debt existed.  I did an internet search of this company that revealed that this was a common scam attributed to this company, and that calls to the company did not result in resolution of this matter and, in fact, often resulted in multiple phone calls from the company of a harassing nature.  I did not contact the company based upon the information about their failure to resolve matters in an fair manner and to avoid harassment by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be 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 explanation
Consumer complaint received 2019-12-11 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:
XXXX is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be 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 explanation
Consumer complaint received 2019-12-11 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: Netspend Corporation
State: IL

Complaint narrative:
Netspend sent me an unsolicited card in the mail leaving me susceptible to fraud. I received an email explaining that they were sending me a card and that I needed to activate it immediately. Only problem is I did not request a card from them nor did I fill out an application for a card nor did I request to become a customer of their bank. Netspend repeatedly sent me unwanted emails putting pressure on me to activate the card. I have excellent credit and do not need a prepaid credit card. I also take ID theft and my data security very seriously which is why I am filing this complaint. Someone could have intercepted the card and activated it. The card and any future transaction would then be done in my name and on my credit. I also could not tell if someone was sending me a gift card or if the card was an actual credit card. All communication was driving me to activate the card for the sole purpose of putting me in a position to pay fees to Netspend. My main concern is the fact that I never initiated any of this activity. I did not contact Netspend or fill out an application to receive one of their products. They had no problem exposing me to fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2019 I requested and applied for a pre qualification for a mortgage for a second home from Bank of America. The agent XXXX   XXXX  out of XXXX, NC sent me the electronic application, which I completed and she called me a XXXX. She stated that in order to qualify for a 10% down payment I would need to have a 740+ credit score. My 3 scores at that time were XXXX, XXXX  and XXXX. My BOA app states an XXXX   score. She stated she would call me on Friday XX/XX/19. I heard nothing until late on Monday, when I was informed that I did not qualify for 10% down because my score was less than 740. I have since had multiple phone calls and emails with the representative, who stated she would call me on a conference call with her supervisor on XX/XX/19. On XX/XX/19 I sent copies of all 3 of my credit reports to the representative. I pulled them myself to avoid additional inquiries on my report. On XX/XX/XXXX I received an email stating the she was sick and would not be able to call me. On XX/XX/XXXX I sent an email to the representative stating that I was still waiting. On XX/XX/XXXX I received an email stating that her manager had requested that she send him "an additional piece of info from the company they order reports from" I have had no contact or response since then.I fear that if I allow them to re pull my report, they will pull the correct scores and attribute this to a computer malfunction. I do not have the pre qualification to date, and I have no answer as to how their system pulled an erroneous score. On this loan alone, BOA would stand to make considerable amounts more by charging an interest rate based on a lower than actual score. Please assist in making sure that this is not intentionally being done by BOA to increase revenues. Thank you for your assistance and consumer protection. I fear that this is much bigger than just one mortgage. Sincerely, XXXX XXXX XXXX XXXX  XXXX  XXXX, NC 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 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
COMPANY - ACE CASH EXPRESS RECEIVE THREATING PHONE CALL A WEEK LATER AFTER RECEIVING MY LOAN ONLY GAVE 11 DAYS TO MAKE 1ST PAYMENT INSTEAD OF 30 DAYS THAT IS REQUIRE BY LAW Illegal Debt Collection Threats and Harassment PUSHED INTO A CYCLE OF DEBT Threatening to charge extra fees and report consumers to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
american express has tried contacting me after the debt has been written off all 3 ber.  The collection dept for amex called me and yelling at me on phone.  I have contacted them saying any communications are to be sent mail.  That the credit companies have agreed that it was fraud and removed from my credit yet they still call me daily and continue to call me continuous.  They try to call daily after was told not to and reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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