vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello, My complaint at this time Is against Citi cards  and getting a XXXX card. My application ID was XXXX. 
This is the second time I got a pre-approved application and got decline for getting a XXXX XXXX from Citi Cards. 

At this time, I feel the company is being racists since I have a last name of XXXX and they will not issue me a card at this time. 

Thanks so much for hearing me out 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 2019-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
My complaint - - Bayview Loan Servicing supplied a loan modification to my ex husband with my name on it, yet never required my signature. 
- Bayview provided a cancellation of debt in XXXX in the amount of {$2200.00}. and never required my signature of acceptance. 
- Bayview never told me how to get my name off of the loan modification until it was too late - Bayview sent a XXXX in my name to my ex husbands address despite me providing my address/contact information and divorce decree to them in XXXX. 
- The property is not mine. the XXXX should have only been in my ex husbands name I was divorced in XXXX. My ex husband was awarded this house and since my name is also on the loan the divorce decree indicates i must be held harmless when it comes to this property. 
XX/XX/XXXX I found a loan with XXXX XXXX on my credit report. I immediately called them to find out why, and was told My ex husband received a loan modification from them. 
I explained the house was not mine and sent them a copy of my divorce decree. I asked how i could get my name off of this loan, and was told there was nothing i could do unless my ex husband refinanced in his name only, which he could not/would not do. 
I provided all of my contact information and asked that i be notified of any and all issues related to the loan. I never signed anything or agreed to a loan modification and Bayview told me my signature was not necessary. 
XX/XX/XXXX I received a letter from the IRS indicating i failed to report a cancellation of debt from Bayview received in XXXX. 
When i contacted Bayview i found that they removed all of my contact information at the request of my ex husband. They provided me with a XXXX that was mailed in my name to my ex husbands address in XXXX. 
Bayview refuses to send a correct XXXX despite having the divorce decree on file. They informed me they could not do this because i failed to file a release of liability with them, and will provide no explanation for why their staff never informed me of this on any of the numerous phone calls i made to them. 
The loan is paid off now so no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but TransUnion and XXXX did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is 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 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I would like to have my credit report to reflect true up to date information that is accurate. my current address is XXXX XXXX XXXX XXXX XXXX LA 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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Sapphire offers Extended Warranty protection. 

I filled a protection for my cell phone purchased on XX/XX/XXXX. The manufacturer warranty expired 1 year later, around XX/XX/XXXX. 

In XX/XX/XXXX the phone started having issues with charging and screen going off and on. 

I contacted XXXX, they confirmed the warranty expired on XX/XX/XXXX ( actually later than I expected ), and there is no service centers - the only available option now is a full replacement. 

I filled the claim on XX/XX/XXXX and attached all required documentation, including XXXX 's document informing the above. On XX/XX/XXXX I also sent an email customer service at XXXX asking how to proceed. This specific email was never answered. 

On XX/XX/XXXX, I received a reply to my claim, asking for a diagnostic from an authorized repair center. Note that I had already submitted the information that there are no authorized repair centers, information provided by XXXX. XXXX even provided a reference number for this information : XXXX. 

On this same day, I wrote to the official customer service email at XXXX, stating that it was already attached that there are no service centers. Once again, as usual, no reply has been received. On XX/XX/XXXX, I wrote again asking for a reply and again, as usual, no reply has been received. 
In all occasions that I sent email asking for assistance, I receive an automated message saying I'll receive a reply in 5 days. It never happened. 

On XX/XX/XXXX, I finally received a reply. The reply simply stated I need to attach a device diagnostic from an authorized repair center. I replied again with the information that there is no authorized repair center, XXXX doesn't offer that according to them. 
It's already XX/XX/XXXX end of the day, and as usual, no reply has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed with Equifax on 2 occasions about 5 collections accounts that I was not aware of and they never sent me my results by mail and now the time has lapsed 30 days on each attempt to dispute with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Capital One is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/1986 my husband and I purchased three ( 3 ) IRA 's from Citibank in XXXX, XXXX XXXX. At that time, we placed information about them in a home security box and forgot about them. We knew they were for retirement which was many years away. We were busy working and raising a family and retirement was not on our minds. During a recent move from XXXX XXXX state to XXXX XXXX, I had to access the box and found them tucked away. They had remained undiscovered all these years. Again, neither my husband nor I had remembered we purchased them and had, in fact, completely forgotten we had them. The information I have attached is the only information I have regarding these 3 IRA 's. 

I have contacted Citibank and the attached correspondence is self-explanatory. I have reiterated to Citibank that I have no other paperwork regarding these accounts. We have statements from XX/XX/1986, but nothing after that time. Even though I have told them repeatedly I have nothing else, they keep insisting they need " statement '' or " passbook '' showing the accounts were active within the last seven years. The only information I have is from XX/XX/1986. 

I'm terribly frustrated by Citibank and their reluctance to do whatever they can to find these accounts. We purchased these IRA 's so that we would have funds for retirement. Citibank got our money. I want to know what happened to 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 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  account ending in XXXX does not show on my Experian account.

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 2019-03-15 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:
XXXX XXXX is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.

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 2019-03-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that is not mine. I was only an authorized user on this account, and I have been removed off of this account for quite some time now. This needs to removed off my credit file.

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 2019-03-15 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
sent ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Failed to disclose that their call was an attempt to collect a debt ( mini Miranda was not read ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 usbank froze my account they informed me that I would have to wait until XX/XX/2019 to receive my funds when they closed the account. So I waited and today XXXX they still denied me access to my money telling me I have to wait until XX/XX/2019. I have waited a month already. I need my money.this is way to long.

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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration
State: OH

Complaint narrative:
I have been receiving threatening phone calls and voice mails looking for a person with a similar last name to mine, but for debt owed and legal action.. and court dates. I tried calling back several times Im the past to tell them to stop calling me they have the wrong number and person. They attempt to question me in a very aggressive manner demanding if I know this person. Today I called back I was annoyed and I was asking to please be taken off the lady ( XXXX ) said this isnt a list, I told her well u have the wrong person please stop calling me she stated I dont like your attitude your phone number is public record and hung up on me. I called again and asked to speak to a supervisor and spoke to a XXXX I asked again to speak to a supervisor, he stated he was, I told him oncev again to take my number off and that his agents were severely rude and hung up on me.. He began yelling at me, I told him thats fine I was going to speak to a lawyer today regarding a different matter but that I was going to mention this harassment.. he stated screaming I hope you do!! Its people like you that ... and I couldnt make out the rest and he said Your life is insignificant. I couldnt believe he said that and he had the nerve to hang up on me the number is a collections agency the phone number is XXXX XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-03-15 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
The company was not forthcoming with information that I had NSF fees due to them pulling and re pulling a payment. The company charged me every time that a payment was ran, while my bank shows that the only attempts made were successful. This cost me XXXX $ at the end of the line of credit. There was no notice on my account that anything was wrong. I was told that I could change the due date later, but as I showed each payment went through successfully I did not feel this was necessary. The way they charged these fees was very deceptive and they would only waive 45 %. This company is fraudulently charging NSF fees to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with XXXX different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help

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 2019-03-15 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: IL

Complaint narrative:
I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but XXXX and Equifax did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I WAS GOING THROUGH A ROUGH SITUATION AND COULDN'T PAY MY CAR AFTER A FEW MONTHS THEY REPOSSESSED MY CAR I NEVER RECEIVED PROPER LETTERS IN REGARDS TO SELL OR ANYTHING UNTIL I CALLED THAT THEY EMAILED ME WAY AFTER ABOUT IT. MY PROBLEM IS I TOOK RESPONSIBILITY AND CALLED THEM TO PAY IT THEY SAID THEY HAD SENT IT TO A COLLECTION ACCOUNT THAT WORKS FOR THEM I CALL THEM THEY DID A SETTLEMENT OFFER AND SENT ME A LETTER I HAVE NOW PAID THE ACCOUNT AND COMPLIED WITH THEIR DEMAND AND NOW THEY HAVE NOT YET DELETED MY ACCOUNT LIKE IT WAS PROMISED ENCLOSED IS THE LETTER RECEIVED.

Company response to consumer: Closed with explanation