vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 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: OK

Complaint narrative:
My family is attempting to transfer our wireless telephone service from my mother 's name into my name in order to receive a discount through my employer. However, XXXX XXXX XXXX is requiring an astronomically high deposit of {$500.00} per line, totaling {$2000.00}, to perform this simple task. 

I have been referred by XXXX XXXX XXXX many times to contact Equifax, the bureau that they reportedly pull their credit reports from, to see what could be negatively affecting my credit, but they repeatedly tell me : " it looks like you have excellent credit ''. Despite the fact that I have excellent credit ( FICO score of approximately XXXX ), XXXX XXXX XXXX insists that my credit score is in their lowest credit class XXXX XXXX XXXX XXXX. This directly contradicts correspondence that I have received from XXXX XXXX XXXX by mail, stating that I have a score of XXXX of XXXX, and no key factors are affecting my credit adversely ( see the attached document ). 

I have attempted to resolve the issue with XXXX XXXX XXXX customer service directly on numerous occasions over the past week, and wasted hours upon hours of my time. I have been hung up on repeatedly after being placed on hold for times ranging from XXXX minutes to XXXX hour and XXXX minutes. No one I have spoken to seems to want to look into the issue, and I am repeatedly told " that 's what the system says '', when asked why I am being required to pay such an absurdly high deposit despite my excellent credit. I am growing vehemently frustrated with the poor quality of XXXX XXXX XXXX 's customer service and their apparent predatory deposit practices. I can not emphasize enough the anger I feel at the amount of time I have wasted trying to resolve this issue with XXXX XXXX XXXX directly. I feel as if I am being discriminated against, based on the fact that I am attempting to get a legitimate discount through my employer, despite the fact that my family has been a customer of XXXX XXXX XXXX 's for over 18 years. 

After asking COUNTLESS times, no one at XXXX XXXX XXXX or Equifax is able to provide me with a specific reason why these excessive restrictions are being placed on me. As I understand it, this in itself is a violation of the Adverse Action Notice section of the Equal Credit Opportunity Act. 

Taking this issue to a regulatory agency was not my first choice, but I have exhausted all other means of resolving the problem through XXXX XXXX XXXX and Equifax, and it is obvious they do not want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: IL

Complaint narrative:
Trans union has not removed negative information about my bankruptcy. I 've contacted transunion on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on 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 2017-10-09 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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Complaint XXXX XXXX XXXX and Bridgecrest are making false claims, they 're giving false information. 
First of all, in the past 16 months, I have called and spoke with XXXX directly and they have never mentioned to me anything about my account having a fraud dispute and is being blocked, never not one, that 's false information given by XXXX XXXX and Bridgecrest, I just received a copy of my credit report from XXXX a XXXX 2017. " XXXX XXXX and other phone representatives of Bridgecrest admitted over our phone conversation that that they never called XXXX because there 's a block on my XXXX account, that 's the primary reason they ca n't report my financial data history. Well answer this question, if Bridgecrest never reported my information to XXXX because of a blocked file do to a fraud dispute, how did Bridgecrest get on my XXXX credit report, not only that, why would the XXXX phone representative mention to me that Bridgecrest just called this month ( XXXX XXXX to update my file. I spell a rat. Second, XXXX and XXXX never advise me to need to contact the credit bureaus directly and request to speak with a member of their management to resolve the split credit file, if that was true, the times that called XXXX and XXXX in last 16 months, they would have mentioned to me about a split credit file. I have gotten two credit reports from both XXXX and XXXX, disputed inaccurate information on my credit report with XXXX with CFPB XXXX Consumer Financial Protection Bureau XXXX " check your computer system, it 's there '' they have never told me anything about a split credit file. Do n't you think the times that I called XXXX and XXXX that a phone representative would have recognized that I had a split credit file and put a manager on the phone to fix the problem by now. Think about it? One of the phone representative from XXXX told me over the phone that she do n't know what a spit is and that she never heard of such a thing. 
XXXX XXXX XXXX has been in a irrevocable trust " XXXX XXXX XXXX, TIN # XXXX '', a pure common law trust, a unincorporated business trust since XXXX XXXX, XXXX, the day XXXX entered into there Interest Retail Installment contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Repeated calls 10 to 15 times a day from various numbers to my cell phone. Telling me to get a lawyer or face the consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 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: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX XXXX states that improper or negative and or personal information can not be displayed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
XXXX XXXX has not removed negative information about my bankruptcy. I 've contacted XXXX on multiple accounts without it being removed. Due to the new law issued XXXX 2017 states that improper or negative and or personal information can not be displayed on 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 2017-10-09 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: LA

Complaint narrative:
I hAve disputes these inquiries with Equifax previously expressed that they are not authorized by me XXXX XXXX. I have multiple lenders pulling multiple reports on multiple days I need these unauthorized inquiries deleted .... 

XXXX XXXX-XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXX/XX/XXXX XXXX XXXX- XX/XX/XXXXXX/XX/XXXX XXXX- XX/XX/XXXX XX/XX/XXXX.XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX I also have a bunch of inquiries from XXXX XXXX and I did not authorized any of them please delete these inquiries ALL of the above are unauthorized inquiries I did not authorized allure above inquiries please have all of them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: MI

Complaint narrative:
XXXX/2017 I called Equifax to have a number of addresses and phone numbers I did not recognize a 's being any that I have lived and phone numbers that I do not recognize as being any that I have had since having a phone and I was hung up on. I called back and was told after 45 minutes of holding that they could not dispute this information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I applied for a Citi XXXX account in XXXX on the internet. There was a special deal advertised where if we spent {$7000.00} within 3 months, we would get XXXX bonus prestige points. We applied online and received the credit card. Just now, I have been informed that while we did get the credit card, which comes with a hefty {$450.00} annual fee, which we have already paid, we did NOT qualify for the bonus, because we had opened a previous Citi credit card account within the previous 24 months. They claim that this was clearly specified to us in the terms of service, yada yada yada, but of course that 's basically meaningless. Other credit cards I have applied for with similar bonuses have just flat turned us down if they felt we did n't qualify for the terms of the bonus, which is perfectly fair. I do not object to them having this policy, I object to them not making it VERY clear, during the application process, that we would NOT be qualifying for the bonus.

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 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TN

Complaint narrative:
I opened a cashback checking account with Discover Bank and made an initial deposit of {$25.00} dollars via ACH transfer from my XXXX account. It took Discover Bank approximately 24-48 hours to take the funds and an entire week to release the funds to me. I then proceeded to make another ACH transfer for {$25.00} which was removed from my XXXX bank account onXX/XX/XXXX.  Discover Bank will not give me access to my money until XX/XX/XXXX. They are holding my money for more than 2 weeks. On XX/XX/XXXX i called customer service and i was basically told " oh well '' " that 's when you 'll get your money. '' I was informed that THEY " Discover Bank '' had to make sure my ACH request was n't fraudulent. I told the customer service rep that i would be more than happy to get XXXX on the phone with them, so they could verify me. Discover said NO .... So basically, I dont get access to any money i deposit into this predatory bank until whenever THEY feel like releasing it. Discover Bank should be investigated and fined for that kind of activity. My account number at Discover Bank is XXXX and the last four of my social is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/17 3 transactions posted to my account : {$80.00}, {$27.00} and {$5.00}. My balance at the time was {$41.00}. Chase, in bad faith, processed the transactions from largest to smallest, triggering 3 NSF fees. I had enough funds to cover two transactions, but Chase, in an effort to illegally generate more fees, processed the transaction in a way that created more NSF. I had to miss school and ended going to the doctor due to XXXX  XXXX after spending over two hours on the phone with them trying to fix this issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jason A Craig, PC
State: GA

Complaint narrative:
I received letter from Jason A Craig Associates stating they are collecting for City of XXXX XXXX. I did not receive any correspondence, letter or phone call from XXXX XXXX XXXX XXXX regarding this. After contacting Jason Craig, I found out the collection was from the XXXX XXXX XXXX XXXX utility department. 
I contacted XXXX XXXX and tried to find out what it was for. I did not have any utilities with the city on any more in 2017. I met with the city billing department and cold not verify the amount owed, since I had final billing statement showing XXXX balance past due. 

I talked to XXXX XXXX XXXX XXXX Clerk by phone about a week after, and discovered there had been a small payment made on computer that was rejected by their automated payment system. I was never billed for this unpaid amount. I paid the amount in question about {$41.00}. I was assued by XXXX XXXX XXXX this would be clarified and I would not have to take any further action including the credit reporting and the Jason A. Craig Associates correspondence. 

To date the balance still shows on my credit report a negative past due unpaid balance and copy is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was trying to buy the new XXXX XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX and I saw an option with XXXX financing and I checked that and assumed it 's like other financing stuff like cars or monthly plans from XXXX and so on. It did n't state really clear it was a actuall credit card until I finsihed the application. I also checked with some XXXX of XXXX and they did n't even knkw this is a credit card. And it 's from Synchrony Bank and they did n't talk about it is a credit card that I was applied for during my checking out. Apparantly I did n't want to apply for a new card and this is only can be used on XXXX XXXX. I see this as fraud and waste my inquiry on my credit report. Since this is an unaware application for credit card. I already colsed the account on the same day as I knew it was a credit card. I hope to remove the hard inquiry from 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 2017-10-09 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: UT

Complaint narrative:
I have been trying to DISPUTE a false item on my credit report and the company has completely ignored multiple attempts. I fought with the Transunion web site on XX/XX/XXXX, the same date that I easily ordered my credit reports and disputed something that did not belong on my credit reports from the other two companies. The Transunion web site was a nightmare to use and took two hours to finally navigate to send in the dispute. When the other two companies cleared the item off my reports within 30 days as required by law, Transunion would not even acknowledge that I had disputed something. Their web site is utterly broken. When I contacted them online, they told me I could buy a copy of the credit report that I already had. Their web site constantly points to their dispute web site, which then just says it 's offline since XXXX. When I called to file a dispute, their phone system hung up on me before I could even connect to a person. When I reported this previously through CFPB, I got the same useless response from them about ordering a credit report. I already have my credit report. I want to not be held XXXX by this company refusing to allow me to file a DISPUTE for something that does not belong on my credit report for the past four months so that I can actually use my credit report to get credit for something. My next step will be to sue them for so much that I wo n't need credit anymore.

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 2017-10-09 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: IN

Complaint narrative:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be  permanently removed from my credit report. 

I contacted transunion and they would not help me in this matter. Please assist in this matter.

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 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Rosebud Economic Development Corporation
State: ND

Complaint narrative:
I was looking into payday loans for travel expenses to a family XXXX. I read through the fine print and decided against it. Id be paying over {$700.00} back over several months for a {$300.00} loan. Ive used Check XXXX XXXX without problems.. I received emails saying I needed to sign. I did not. I was shocked and infuriated to find that the funds ( {$300.00} XXXX had been deposited to my accout on XXXX/XXXX/XXXX. This was not a cometed loan, I found other options to get to the XXXX. Ourfirdt payment is due on XXXX/XXXX/XXXX in the amount of {$84.00}. I will be contacting my bank in the morning to stop payment. I feel this was fradulent and dishonest behavior and that i should not have to pay, Since I didnt authorize the loan in the first place. What are my options?

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 2017-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NM

Complaint narrative:
We were offered a loan modification/assumption by nationstar mortgage now mr cooper. They told me in 2015 that they needed a QCD from the mortgagor to me the occupant of the property with mom as a cosigner. 
I got XXXX and had my XXXX XXXX, could not XXXX, XXXX XXXX XXXX XXXX XXXX and needed total care ( XXXX facility level of care ) for 10months awaiting XXXX, had several interventions and now I am walking after a long time in XXXX. I am working with XXXX XXXXo secure employment as a XXXX person and meanwhile my mother, who wanted to cosign to the loan, has been paying through XXXX XXXX escrow. the payment specified in the land contract that wrap the mortgage as investigated by the title company where I bought insurance. 
I asked for a new package in XXXX. It appears that the company sent the package not to my address, XXXX XXXX XXXX XXXX, XXXX, NM. XXXX which is where I live but to a XXXX XXXX in Florida to the mortgagor 's name for them to modify. 
The mortgagors had made the point to all that they do not want to modify, do not want the house, nor the loan. The bank states they did want to modify and that they did not send me another package to me because the mortgagors wanted to modify. I am attaching the company response as well correspondence of the mortgagor to me, I believe there is a miscommunication between all parties absent from acting in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: BB&T CORPORATION
State: GA

Complaint narrative:
I have an active auto loan with REGIONAL ACCEPTANCE. This account was opened XXXX XXXX. In XXXX and XXXX of XXXX i made both payments before the due dates yet they both show as late on my credit report. XXXX XXXX XXXX, XXXX and XXXX of XXXX XXXX payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent XXXX certified letters requesting the verification to which i receive no response. I have even provided RA with copies of my bank documents showing the payments as processed and the statements from RA showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at RA is even making an attempt to resolve this problem. The last agent i spoke with XXXX XXXX told me if i dont like it i should just do a voluntary repo on the car.

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