vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days. 

About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier. 

Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in 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 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
XXXX  XXXX XXXX, XX/XX/2018, XXXX card account application. 

Contacted the phone on the letter. Asked for SSN, but do not want to sure. No resolution. 

Examined credit card reporting history. Identify the hard inquiry from XXXX. Identity likely was stolen. 

report identity theft fraud. Credit card application without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed my request for my annual credit reports from all three ( Experian, XXXX, XXXX ). On XX/XX/XXXX I received my reports from XXXX and XXXX. Experian sent me a letter stating that I had already received my report within a 12 month period. Unfortunately XX/XX/XXXX is the month I requested my report last year the only reason it didn't get issued till XX/XX/XXXX was due to a delay tactic on part of Experian where they demanded unnecessary information in exchange for my annual 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 non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XX/XX/18 Santander Consumer reporter my auto loan past due 90 days. It has cause issue with my credit report my credit score has fallen 50 points for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2015 Amount : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Below is a summary of a sequence of events involving Citicard and their failure to deliver my account funds to me. 

-Closed Citicards account -Refund was made to closed Citicard account by a retailer. 
-Positive balance appears in closed Citicard account. 
-Requested payment from Citicard via check. No check arrives in mail. This is odd because I have previously received mail from Citicard and do not have any known issues with mail delivery. 
-Requested payment for second time from Citicards , same failure to deliver check via mail occurs. 
-Requested idle check balance be reapplied to my account, this occurs after some time. 
-Requested wire transfer to my bank account. Payment not transferred in projected time frame. 

After numerous conversations with Citicard representatives, we are all in agreement that the Citcard has my funds and thus an obligation to deliver them to me. They have simply failed to actually deliver these funds three separate times. This is an alarming pattern, especially given the feedback I have recently received from personal friends in addition to Citicard 's abysmal reviews on the web. 

Where do regulators draw a line between fraud and poor service? If my experience is also that of others, this bank should not be allowed to operate in the United States.

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 2019-01-15 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I WAS AUTHORIZED ON MY ELDERLY GRANDMOTHERS CREDIT CARD, TO HELP AVOID HER BEING RIPPED OFF BY A CONTRACTOR DOING REMODELING, THEY RACKED UP THE CARD AND I WAS HELPING TRYING TO NEGIOTE PAYMENTS, I AM ONLY LISTED AS AUTHORIZED ON ACCT AND I AM NOT RESPONSIBLE FOR THE DEBT AS THERE NOT MY CHARGED, THIS IS LISTED ON MY CREDIT AND I WANT IT REMOVED. I HAVE SENT LETTERS TO THIS AGENCY AND IT STILL HASNT BEEN REMOVED. 


THE HOME DEPOT/CBNA # XXXX XXXX XXXX   XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Authorized Account- An authorized user is not responsible for the debt. 
Account Type : Revolving Account Loan Type : CHARGE ACCOUNT Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX Original ChargeOff : {$9800.00} Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX Credit Limit : Credit limit of {$8000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year that this item will be removed : XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have a chas XXXX Rewards card where I make full automatic monthly payment. On XX/XX/XXXX Chase bank flagged my account for not paying the the bill on timr. I am Not sure why my automatic payment go through. It is their systems fault for not processing right. The balance of {$100.00} did not go process and Chase flagged my account for late payment. Please fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2017 Amount : {$5600.00}

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 2019-01-15 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In XX/XX/2018, I travelled to XXXX. Prior to travelling, I purchased rental car insurance from American Express. When I got to XXXX, I went to pick up my rental car and was told by the merchant that I had to purchase additional rental insurance despite having it with American Express. I immediately called American Express from the rental place in XXXX to ask for advice. The customer service rep told me to pay the amount for additional rental insurance and I would be credited when I got home. All I needed to do was call Amex upon my arrival back to the United States.

Despite relying on the expertise as Amex as a layperson, Amex refuses to remove the charge for {$580.00} from my bill ( the amount of the additional insurance ). I have requested a copy of the taped conversation from Amex and they refuse to provide by saying they can not locate it. The transcript of the conversation with the Amex rep will simply prove my case by showing I simply followed their expertise. Yet, they have transcripts of all my subsequent calls disputing the charge.

Amex continues to act in bad faith by refusing to remove this {$580.00}. I have disputed it several times since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Business and Consumer Solutions.
State: MS

Complaint narrative:
rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

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 2019-01-15 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: SC

Complaint narrative:
So Equifax XXXX and XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

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 2019-01-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I had several accounts with XXXX and there is one account number XXXX that the three bureaus continuously report a balance and that is not correct. It has been disputed several times and I even went into my accounts with XXXX and printed out proof that it should not be reporting a balance. I have included the print out with this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
My Citi Credit Card Account ending in XXXX was apparently shut down for suspicious activity on XX/XX/XXXX. Being a victim of Fraud before, typically you get a new account number when there are fraud charges but this time they closed my account and I do not have access to the account. I was not notified about the fraud nor did I authorize the permanent closure of the account. I do not have any access to Funds on this account but the account is enrolled in autopay which pays the account every month. I have tried to call several times over the past 4 months to get this resolved and the last representative advised me I needed to reapply for a new account. I just want to understand why I was not notified that my account was being closed and why am I being asked to apply for new account when funds are being withdrawn for my banking account to pay for an account I can not use. The only explanation I received was that I had Fraud on my account, so because I had suspected fraud my whole account is closed with notification?

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 2019-01-15 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: SC

Complaint narrative:
So XX/XX/XXXXTransUnion and XX/XX/XXXX is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
So XXXX XXXX and Experian is still reporting items wrong on my credit report? As you can see my reports has errors by law I'm required to get this fixed but it's not. I would like my credit report fixed as soon as possible so I want have to keep disputing items. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is a continuation for complaint # XXXX. The special handling department asked me to upload the attached document for them to process the complaint. include XXXX XXXX XXXX XXXX, Account # XXXX - Account Opened : XX/XX/1993 original amount : {$93000.00} ; Balance : {$31000.00}. 25+ years account is to be added to my credit file. The account should NOT show any late payments in the last 12 months.

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 2019-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
RE : Wells Fargo recent response with incorrect information documentation ( I did not state anything regarding my Health! ) stating that they were not seeking foreclosure on my mortgage, yet I have 2 letter 's threatening foreclosure in my hand. I also have my bank statements that do not coincide with their dates and payments or the over payments I've made to my account.

they sent to me an account activity statement that has half of the " supposed '' activity info cut-off. 
the correspondence does not mention the reversed payment they executed? 

I feel I have not been given the advice, or assistance they claim. 
I have the documentation! on the offer of utilizing the " Harp '' mortgage modification I was told I didn't qualify for and then told more recently I did. The offer was to restart my mortg. 
beginning again at a new 30 yr with lower interest rate and to pay fee 's over {$4000.00} in order to execute this offer.

I've spoken with three representative over the past year going into this year and a I have a recorded call with an agent stating that in fact i was not late but ahead 3 month 's and in the recent correspondence they deny this! 
I also have bank statement where my payments are paid and the dates do not coincide with theirs. 
spoke with : XXXX XXXX XXXX - Agent call recorded made return call Ms XXXX XXXX Ms. 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 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: I.C. System, Inc.
State: MA

Complaint narrative:
They have reported negative items on my credit report. The amount is {$150.00}

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 2019-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have called on the below loans for the past 5 years and was told every time all my loans through Navient are consolidated and I could do nothing about lowering the interest rates. In addition, I have 2 direct loans ( one subsidized and one non ) I was told are able to be consolidated. My only option given was to keep the interest as is and get on a graduated payment plan thus paying way move over the past 5 years than I should have due to incorrect information. Navient reps have always been unequipped to efficiently handle my financial need and this has prove to cost my thousands of dollars in interest. Just look at how long I have been paying on the below loans. 



XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$4800.00} 8.125 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UNIVERSITY Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$7000.00} 9.125 % XX/XX/XXXX

Company response to consumer: Closed with explanation