vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED. 

I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home. 

A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail. 

I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX. 

The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing. 

As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
We receive daily calls from Access Receivables Management, a debt collector. 

We have told them previously we do not have any outstanding debts and they continue to Harass us with these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I closed my Citi card account sometime in XXXX XXXX. On XXXX XXXX, they notified me that I had a balance of $ XXXX. I called in to ask what could be done, and they offered to wire the funds to my new bank account. I gave the rep my routing and account numbers, and then did n't see the money for about a week. I called in to ask what had happened, and they said the money had been successfully transferred. Several higher-level reps have agreed that what must 've happened was that the first rep typo 'd my account number but not my routing number, so someone else ( not me ) at XXXX has my {$150.00}. XXXX told me I needed to get the trace number from Citi so they could open an investigation. I 've gotten all the way to the " office of the president '' with Citi, and nobody has been able to get me the trace number. My first contact with them was XXXX XXXX ( that 's when I gave the rep my routing/acc # s ) - it 's XXXX XXXX and I still do n't have the money or the trace number. I keep calling them and keep being told " we 'll call you back Monday, expect the money by Wednesday '' or similar, only to not be called back and not receive my money. 

Call timestamps ( CST ) : XXXX XXXX - Time unknown ( already pruned from my phone 's recents list ) XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I 've been promised callbacks no fewer than 6 times and never received one. It 's been a month and a half and I still do n't have my money. 

( The reason I 've been calling so many times since the XXXX is because I was given a direct number to the executive office on the XXXX, and every time I call it I get voicemail. )

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 2017-10-20 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: IQOR US INC
State: OK

Complaint narrative:
I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: IL

Complaint narrative:
On XXXX XXXX a charge was taken from my Indiana XXXX debit card. I notified them of this charge and took all the precautions to dispute the transaction. I can not speak to any representatives, Ive been on hold multiple times each over 30 minutes this is ridiculous. I have to report my card as lost or stolen to even have an option to speak to a real person. I currently still do not know what is happening with my case or money {$23.00}. Yea its just XXXX $ but its my childs money for XXXX and no money is available so my child misses out. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my XXXX dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my XXXX report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I applied for a no interest credit card and was turned down. I got my credit report and I have a lot of good credit on it. One thing my life time Insurance co was supposed to have paid was on it, it that was 2011. The company is taking care of it. But I have cards from Citi that do not have abalace. I ca n't believe they turned me down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello I am extremely concerned about a closure of my accounts from Chase. I am not sure if this is a mistake or some misunderstanding but I am very confused to what exactly is happening. On Friday XX/XX/XXXX I went to purchase XXXX medications for my parents and I was unable to make this purchase. I called chase and after 2 hours on the phone I was told that my accounts were closed due to some concerns the back-office had on their end. I was not called about this, I was not given any notification of the closure, nor was I told why this was happening. 

Let me state that I never ever missed a payment on any of my cards and paid these accounts in full. My credit report will show no delinquent payments ever on any of my cards. I was initially confused by the closure however I have reason to believe that Chase may have acted inappropriately and illegally in this manner. The week prior to the closure ( XX/XX/XXXX ) I informed chase that I would be buying gifts for friends and family for XXXX. I did my due diligence and informed Chase was informed of this uptick. Most of my spending was done at the local mall, XXXX, and XXXX XXXX XXXX  XXXX. Less than 6 days after this phone call all my accounts were closed. I had made no other contact with the bank, my purchases were in-line with my normal spend pattern, and chase had no reason to suspect any illegal/suspicious activity ( since I had told them what I was buying ). The only new information chase had at this time was my religious affiliation. 

I called up and down chase 's telephone tree and recieve no concrete response as to why. On XX/XX/XXXX I  called the compliance office and I was told by an individual named XXXX XXXX that " Chase is a multi-million dollar corporation and we dont make mistakes '' Wow! He refused to look into what happened and refused to transfer me to a supervisor. I learned today that this is the same department that went through with the closure. If this is the level of disdain an individual is working in the regulatory department at the bank, what guarantees does anyone have that laws have not been broken? I offered chase a criminal background check for work and offered to show ability to pay - however they refuse to change their decision or even conduct a proper review. Chase records these calls at all times. 

I do believe this is a violation of Equal Credit Opportunity Act. Let me also add that chase refuses to provide additional information into the closure - simply stating that they have the right to close an account at any time and do not have to provide a reason why. This doesnt hold true if laws are being broken. Let me also add that chase has been accused of predatory practices to minorities in the past as early as this year. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
Have had an XXXX XXXX XXXX XXXX XXXX XXXX for over 10 years. Always received paper statements. Never had a late payment or problem in all of these years. XXXX suggested that I convert to paperless statements in XXXX XXXX. They said I would get an e-mail when statement was ready. For whatever reason, I never received an e-mail or paper statement for XXXX XXXX. Had a balance of only {$17.00} and payment was due on XXXX XXXX, XXXX. Got a late notice e-mail on XXXX XXXX, XXXX saying past due and charged me a late fee of {$18.00}. Called to try to resolve with XXXX and they basically said too bad. Would not remove the late fee even though it was more than my balance. I told them that if I had to, I would pay the late fee and cancel the card. They did n't much care. They just wanted that late fee. I do not know if this a deliberate attempt to get extra fees from the consumer or just bad business practice. Either way it is not fair to the consumer.

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 2017-10-20 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: MD

Complaint narrative:
On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my Transunion dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my Transunion report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I put a freeze on my Equifax file following the data breach, as per recommendations, on XXXX XXXX, XXXX. 

I just received a letter dated XXXX XXXX, XXXX from Equifax stating that they were about to change my address from my actual current address back to my old address from 3 years ago. 

The letter stated I should contact them if I was going to dispute this. 

I called today and after several attempts and calls, was told they had no information on who was changing my address ( which creditor ) and that there was nothing they could do. 

I have not applied for any credit anywhere, I have no credit card debt, and they are informing me that my address is being changed to an address from 3 years ago, and they ca n't give me any information on how or why this is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
my vehicle was repossessed by TD auto finance. I was behind granted due to some financial issues. I had tried previously to speak with reps about a deferment and said I could n't have one nor do a repayment plan. after they picked up my car I asked if I could just pay what was past due and hold off on the late charges. one rep stated that I could n't so I asked to speak with the manager she gave me a supervisor. he said no as well. I called the next day to try again. I spoke with a girl name XXXX and she did try but said no one was there for me to speak with. I called back and got the same rep back from the previous day she said no and would n't allow me to speak with a manager. I asked for the manager name and she told me they do n't give out that information. she hung up on me. then I spoke with another guy named XXXX I asked to speak with a supervisor again. he said that I had already spoke with one and the answer is no. I asked him why was up raising his voice. he stated to me that I was lying on people and he said he was going to hang up so he did. I was treated very unfair by them. then after I had to beg people for the money to pick it up I had to pay addiontional fee on top of the money I had already paid td auto finance to get it back. after I paid td I had to call hide and seek recovery not know I had to make an appointment with them to get my car. they did n't want to release it. they wanted me to wait an additional day on top of what I had paid to be charged more money. I adv the lady I spoke with that I had no other way to come back to XXXX, texas if I did n't have a car. they finally gave it to me. I did n't appreciate how td auto finance handled their end. just because a person is down on their luck does n't give you the right to be rude. also they would n't provide me with any docs showing what I paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I went to make disputes on my credit report and Experian is refusing me access asking me to download postal mail in a form to have a postally mailed credit report sent to me so I can mail it back to them and dispute. They are making it difficult to be able to make disputes on my electronically received credit report I just got XXXX XXXX efforts and not removing errors that have been removed from other credit reporting companies. Effectively keeping my A+ credit looking very damaged at this own XXXX reporting company and its costing me a lot of money and time in many ways

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: NH

Complaint narrative:
My wife and I sent the following letter to our loan XXXX at loanDepot, XXXX XXXX, in the afternoon of XXXX XXXX. We have not heard from her or anyone from loanDepot since, and our application remains active. This strikes us as peculiar and wrong. We invested a significant amount of time both in the lead-up to the home appraisal and on the loan application itself -- time, and effort, for which we believe we should be indemnified, in addition to the fees we paid loanDepot. 

" XXXX, We have not heard from you since last Thursday, even though you set our closing date for today. 

Anyway, loanDepot made the initial phone call which started this process. In that conversation, we mentioned the size of our property, the age of our home, and that ours would be a jumbo loan. 

As you made it clear to us in our phone conversation last Thursday, we have been defrauded by loanDepot, as we were, unbeknownst to us, offered a loan for which " we were not qualified. '' A subsequent conversation with XXXX XXXX revealed that our property is, he admitted, " typically ineligible. '' We would not have risked the venture had we been apprised of its nature. 

We wish for our mortgage application to be withdrawn from consideration. 

Please be advised we will report and publish this instance of predatory lending, starting with the Consumer Financial Protection Bureau, and we will disclose names. 

At this time, we request only a full refund of every fee, including that for the appraisal, we have paid loanDepot thus far. 

Sincerely, XXXX and XXXX XXXX ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On my XXXX XXXX Capital One statement I noticed several fraudulent charges. That came up to {$1600.00} which I 'm currently still paying on. I immediately got in touch with XXXX XXXX and was directed to the fraud dept. A purchase adjustment was briefly granted. The XXXX XXXX statement all the charges reappeared. I contacted the Capital One fraud dept about the situation again. It 's so strange that every time I call to discuss the fraudulent charges it seems like I got the run around.

Company response to consumer: Closed with explanation