vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank made a stop payment {$110.00} check number XXXX paid to XXXX. 
XXXX discontinue my service ( cable tv / internet / phone ) on XX/XX/2019. 

I never made or requested stop payment on this particular check. Looks like someone is or has control on my account. i went to bank branch XXXX XXXX XXXX XXXX nye XXXX i talked to XXXX XXXX-XXXX she just gave me a run around so i requested to talked to the branch manager- XXXX XXXX . they told me he is busy and told me they will just just him to call me up. He never called up. I tried several times and try to reach him XXXX XXXX XXXX. no luck. i requested an investigation thru XXXX. 

this is dangerous having someone controlling my account ... 
citibank people lied to me several times ... they like running a fraud schemes. 
this should be 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 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I did a moving job and was paid with a check and the check bounced

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On or around XX/XX/2019 an single application was submitted for credit. An inquiry was authorized and my XXXX pulled. I was informed that the application was under review. The next day I contacted Chase and was told that the application was denied. I was told by the representative that I could be transferred to the reconsideration department. I informed the representative that would be fine. Upon speaking with the representative at no time was I ever informed by the representative and I did not authorize the pull of my XXXX report which resulted in a un authorized inquiry on my XXXX report. When I was notified by XXXX that Chase had pulled my report I contact the phone number that was on my credit report. I spoke with a representative and explained that I did not authorize a second pull on my credit report for reconsideration of the denied application and I was never informed that this would be taking place. I was advised that they would investigate and provided me a call back. Which never happened. I have received no correspondence from this creditor at all related to the denied application or the investigation into the the unauthorized pull of my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: Security Credit Services, LLC
State: LA

Complaint narrative:
I received a notification through my XXXX XXXX credit monitoring that a new account was added to my credit profile on XX/XX/2019 by Security Credit Services for the amount of {$1200.00}. According to my credit alert, this account was opened on XX/XX/2019. I have been diligently working for the last 5 years to repair my credit and this account has dropped my score almost 50 points. I have not received any form of communication about this debt, what so ever! There is no identifying information about the source of this account ; aside from the fact that I haven't opened any new accounts in OVER 5 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
This company sent the service notice to my parent 's house where I do not live during the time when they were on vacations. They created a fake person, name and description ( this is also racism because the person does not have any of the physical features of anybody in my family but they stereotyped the person ) They never left a notice that I was being sued in a county where I do not live, I have the proof that I do not have anyone with the name XXXX XXXX living at that address and I never received any documents form them because I do not live in XXXX county.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: MS

Complaint narrative:
Equifax is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent Equifax notification that the creditor has requested that those items be removed from my credit files. Equifax is still reporting both of these accounts. I am filing this complaint as another way to give Equifax the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to Equifax but Ill resubmit in this complaint to make sure its received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TX

Complaint narrative:
Experian is reporting incorrectly a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) If I had lived at XXXX XXXX XXXX   it was well over 12 years ago and reporting this item is a violation of the Fair Credit Reporting Act. I never, in the past or the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Experian recently appeared on my credit report. XXXX and XXXX   are reporting correctly. This incorrect reporting of a collection is keeping me from obtaining a new residence and is also harming my credit score. I have contacted Experian to have this line item removed from my credit report but I have not been successful.

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 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
To Whom This May Concern, I received a 1099-C Cancellation of Debt in the amount of {$1700.00} referencing account # XXXX dated XX/XX/2018 Sears MasterCard. I have sent two letters to the following address : Citibank, N.A XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, NY XXXX Attn : Internal Recovery I have asked them to provide me with the following items : 1. ) Who opened this account?

2. ) Send documentation of what the historical items are and how this balance got to this amount. 
I have called them several times and have also sent 2 letters to them with the US Postal service. I sent so they would have to sign the second request. Please assist me in resolving this matter. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX Sincerely, 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 2019-05-08 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: VA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 


Bankruptcy chapter XXXX- discharged

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not able to get a corrected credit score due to a credit freeze that has already removed with them and can not get correct and update credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is regarding a Chase mortgage originated in XX/XX/2016 for a residential rental investment property. 

I have reviewed every disclosure and document from my loan origination and find absolutely no mention of the PMI LTV requirement of 65 % to eliminate PMI. Everything I see suggests 80 % LTV or at least 78 % LTV. I have reached 80 % LTV and expect to be able to remove PMI. After reading the comments here, it seems this so-called requirement is often not disclosed, not understood by investment borrowers, not mentioned as different for investment properties, and arbitrarily varies across a very wide range of LTV % requirements. 

If this LTV % requirement for cancelling PMI does vary, how and why does it vary, who decides the requirement, when is it decided, where can I see this decision was made, is it fixed or flexible, and where is it disclosed to me so that I understand what financial burden I have agreed to? Chase has not been able to provide any documentation supporting the 65 % LTV requirement and has referred me to " the investor '' XXXX XXXX, whom also seemingly can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: Innovis
State: MS

Complaint narrative:
XXXX  is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent XXXX  notification that the creditor has requested that those items be removed from my credit files. XXXX is still reporting both of these accounts. I am filing this complaint as another way to give XXXX   the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to XXXX  but Ill resubmit in this complaint to make sure its received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: TN

Complaint narrative:
I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit 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 non-monetary relief
Consumer complaint received 2019-05-08 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: TN

Complaint narrative:
I went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit 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 2019-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
A man by the name of XXXX XXXX with a company named Oracle from phone number XXXX calls my cell and several numbers at my work leaving messages that he is trying to reach me regarding a legal matter which is causing my supervisor to be concerned. I returned his call and told him I can not receive calls at my work, that the account he is calling me about is not mine and for him to please stop calling me. He continues to call and leave messages. I can lose my job if this continues.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase World of Hyatt credit cart charges annual fee of {$95.00} on the very first day of account approval. Then in starts applying interest on the annual fee right away even if account is not activated. 

This is an unfair business practice that CFPB needs to address. 

I did not activate and start using the card until two months later. Even before any charges were made to the card, I apparently owned Chase {$96.00} ( annual fee plus interest ). 

When a month later I paid the card in full and closed the the account, Chase refused to wave the annual fee and was not even willing to prorate a fee for an account that was used for one month only. 

Furthermore, I when asked Chase to reverse any Hyatt bonuses earned on a card in exchange for waiver of the annual fee ( similar to contract rescission ), which Chase refused as well. Granted, after hearing my arguments, customer service offered to waive late fee and {$1.00} in interest as accommodation to a long-standing customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-08 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: VA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 


Bankruptcy chapter XXXX- discharged

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 2019-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: TX

Complaint narrative:
I had recently went through a divorce in which took on all of the debt and was falling behind on funds. So I recieved a spam email about Global Client Solutions and how they could help with negotiating with XXXX XXXX and XXXX. I was intrigued by what they claimed they can do so I replied to the email and a " Case Manager '' called me back. She told me that I could pay off my debt in just a few payments and I wanted the debt taken off quickly bc I was really going no where with XXXX XXXX, so I negotiated a {$530.00} +/- {$10.00} per month. So 4 months into the terms I called to verify how much funds were in the " Savings Account. '' And she told me {$800.00} and some change. I thought it was odd that I had paid over 2k and only {$800.00} was in the account, well I made 2 more payments, and called after my 6th payment to  them and when they told me {$600.00} I felt defeated. I paid over {$3100.00} and only have {$600.00} to show for it. I am so broke right now, was looking for help and these people scammed me out of money that could have paid off my debt. I am -negative {$700.00} right now in my bank account, morgage and car notes are over due, and I have been scammed by this company. I'm writing because I cant be the only person who has complained about this and I need some help. I initially had 2 credit card debts that they handled, but ended up negotiating with them on the 4th month bc I was scared of XXXX taking me to court for $ XXXX. Do you know that I have almost paid the debt off by negotiating with XXXX on a bottom cost and payment plan. I was delt some pretty crummy cards and was looking for a financial relief company for help and this company practically robbed me out of the little money I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 30 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is 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 2019-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Bank made error when I opened my business acct. XX/XX/XXXX. 
Regards beneficiaries. They requested I come in and fix. On XX/XX/XXXX went to local branch talked to teller who had banker came over and input correct info. 
XX/XX/XXXX my card didnt work. Went to local branch mgr XX/XX/XXXX. 
XXXX XXXX who had me sign beneficiaries agreement she said she took care of it. 
Said my acct was frozen. And should be released in XXXX XXXX hrs. 
Waited XXXX hrs..went on line and found my accts had been closed ... 
Went to my branch. Spoke to asst mgr XXXX. She had me sign paper again and called back office to try and get my money to me asap. So I could get my bills paid. Left message for branch mgr to call me XXXX XXXX . Never called back. Took 2 wks to get him to call back after threatening to go above him. 
They will write letter to all bounced checks..he says. And pay for all fees assoc with this ... case closed ... not really another person called today. XX/XX/XXXX. Another person wants this form filled out ... again.

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