vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I submitted an application for a Best Buy Credit credit card in-person during XXXX XXXX, to take advantage of sales being offered, on XX/XX/XXXX. 

I was informed by a letter dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX, from Best Buy Credit Credit Services that my credit card application was denied for the reason : * Too many credit bureau inquires it also identified Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, as the creditor. 

I received a letter on today dated XX/XX/XXXX,  REFERENCE NUMBER : XXXX which was mailed to my residence at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Kansas XXXX from Best Buy Credit Services stating that : Dear XXXX XXXX XXXX, Why we 're writing you : Thank you for your recent credit card application. We would like to process your My Best Buy Visa, Platinum, My Best Buy Credit Card Preferred, and My Best Buy Visa Gold application, however, it is incomplete or a part of it is illegible. 

Here 's what you need to know To continue processing your application, please provide us with the requested information below : * The name you would like to appear on your card How to contact us Pleas take a few moments to contact us at the phone number listed below to provide the required information to complete the application processing. If we do not receive a response from you within 15 days of the date of this letter, we will be unable to give further consideration to your request for credit and will consider your application withdrawn and declined. 

Thank you for giving us the opportunity to be of service to you. We look forward to hearing from you soon. 

Sincerely, XXXX, Credit Review Phone : XXXX TDD/TTY -Hearing or Speech Impaired : XXXX Monday through Sunday, XXXX XXXX - XXXX XXXX. ET NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the the basis of XXXX, XXXX, religion, XXXX XXXX, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. the federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX, XXXX. Washington DC XXXX. 

The creditor is Citibank, NA., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , SD XXXX. Please direct any questions to the return address on this letter. 

Time Is Limited, Please Contact Us Immediatley.

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 2017-12-04 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: CA

Complaint narrative:
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end  on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/XXXX when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/XXXX needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.

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 2017-12-04 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: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I checked the do not owe box, because it was best option, according to Michigan ( 6 years ), I should n't owe this debt. The only information I have on this debt is on this writ that I uploaded. XXXX XXXX XXXX. Not sure if this debt is an installment loan or credit card. Either way, I think it was a debt that was incurred somewhere between XX/XX/XXXX and XX/XX/XXXX. I live in Michigan where the statute of limitations is 6 years. It is now XX/XX/XXXX, about 15 years later, and this attorney, is still garnishing me. I noticed this writ is dated XX/XX/XXXX, 3 years ago. Hmmmm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 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: NY

Complaint narrative:
I am writing in reference to a previous case I opened at the consumer financial protection bureau that is now closed reference number is XXXX in this you can confirm and verify the creditor has stated they will remove the account from all national credit reporting agencies. This has not taken place on my Experian credit report. I demand this be corrected as this account does not belong on my credit report as it was fraud and has been promised to be removed by the original creditor who is emporium and is reporting incorrectly negative on my experian credit report as it should not show at all because i was told it will be deleted. I have attached copies of the letter received from cfpb stating the misleading fraudulent delinquent account will be removed. I demand you update this information and reflect it correctly on my credit report as it should not show at all since this account was fraud and does not belong to me I demand you delete it immediately.

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 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern : Experian Credit reporting agency lists a bankruptcy on my report that is not valid. I have never filed for bankruptcy. I have emailed them several times to correct this, but they have not. This does not show on either other major reporting agency, and is not valid information. I request that they remove the listed bankruptcy.

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 2017-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
For about 10 years, Citibank has been sending me informational notices. When I have called them in past years, they told me not to worry about it or that the wrong address is no longer their system or otherwise dismissed my inquiry. 

On XX/XX/XXXX, I received a privacy notice, CRE 278 Rev. XX/XX/XXXX, Item XXXX. 

On XX/XX/XXXX, I contacted Citibank customer service. They were unable to locate my account. 

Someone has opened an account with my correct name, but using an address with which I was never associated, never used, and never visited. 

I want Citibank to locate the account with BILLING ADDRESS and send me all details about it so that I may determine the extent of the 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 2017-12-04 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: IL

Complaint narrative:
I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to get a modification several times but they still did n't give me one even after making trial payments. But I started with a realtor to get a short sale done because I did not want a FORECLOSURE on my credit because its hard getting approved for an apartment with a bankruptcy or foreclosure status that 's not a year old or more. The realtor and I was speaking with them today and they said they can not postphone the sale because Chase is asking that the HUD-1 show that the taxes are paid because they said they paid them. The title company could not verify it when they asked and now Chase does not want to postphone because they paid them on XXXX XXXX, 2017. But the title company could not verify and asking to give them time. I have signed every form sent to me and it not my fault that this is happening my realtor has all forms showing how we have been in compliance towards this short sale. Please Please Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank of America Visa Platinum Plus card. I called and told them my son was in the hospital and I forgot to make my payment, I was one day late and turned my interest rate into 29.99 % I told them the circumstances and they will not make an exception I am single struggling mother and my son was sick. I have not been late one time ever. My promotional balance is over in XXXX XXXX 2018 and will be 21.99 %

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 monetary relief
Consumer complaint received 2017-12-04 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:
I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

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 2017-12-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.

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 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. 

Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. 

On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. 

FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ). 
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
I sent a debt validation letter to XXXX XXXX XXXX XXXX to validate the debt they say that I owe on four accounts. I sent the letter certified on XXXX XXXX.2017. I gave them 30 days to respond to my request.They have failed to validate the debt. I have a copy of the letter that was sent to them that was received by someone in their office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES
State: NY

Complaint narrative:
Trinity Hope has made numerous calls to me referencing a debtbhat they would give me no information on. I tried several times to get information on the debt but the woman was rude and onl had an account number. She wouldnt tell me who the debt was to, when it supposedly occurred or validate it in an way,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is the Parent company I actually attended the campus in XXXX XXXX, CA which as you can see no longer exists. I was unable to complete my degree program because this campus closed. I received a certificate. The classes I needed to take were not available in the next module so I had to wait for it to roll around again, so technically I was not enrolled when the campus closed. I explained this to the Navient representative in a request to relieve me of the debt under the provisions of the school closure provision. They denied the request because I was not enrolled. XXXX would not allow me to enroll because THEY KNEW they were closing the campus! They gave me the option of going to XXXX or XXXX/XXXX XXXX to finish. Those are HOURS away from my home. This is not what I paid for or signed up for. Navient indicates I have the option to finish because I can go to one of these campuses.XXXX is a XXXX XXXX, it does n't have dorms, XXXX is 1.5hrs one way with traffic it 's more like 2 hours. XXXX is 3.5 hrs away. This is an absurd idea that I would spend 4 to 7 hours on the road each day in order to finish this degree. 
I feel they are not following the intent of provisions of the school closure remedy because they are only interested in their money not the burden it has placed on the student.

Company response to consumer: Closed with explanation