vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.

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 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Based on my research, examining the entire loan contract, I noticed a lot of discrepancies in the loan contract. In that contract, I am faced with predatory lending, truth lending and RESPA, I am facing hardship at the particular time, during the course of eight ( 8 ) years. I previously applied for re-financing and modifications several time and was turned down multiple times with out any recourse or explanation. Therefore, the whole entire loan needs to be fully investigated before I make anymore payments. 

Meanwhile, I would like to cease and desist all activities and foreclosure from the foreclosure law firm ( XXXX XXXX ) to be vacated until further investigations is completed.

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 2018-04-18 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: WA

Complaint narrative:
Hi, yesterday I found all my chase credit cards were closed without getting noticed. I am very disappointed to what chase has done to me as a very loyal customer. I have never paid my credit card late. And I maintain my FICO credit score above XXXX. Chase is my primary creditor, I will lose all my credit history if chase decide to close all my accounts. My spending on credit card are very normal, no gift card purchase at all. I read through chase credit card agreements. I don't act any violation on any item on the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: MO

Complaint narrative:
Disputes and accounts where not verified no info that it was verified was sent to be by mail, they just simply stated that they will not Reinvestigate.

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am a current customer of Huntington Bank. I overlooked a payment on my credit card in XX/XX/XXXX. Once I realized I had overlooked the payment I made the payment along with the payment for XX/XX/XXXX to bring the account current. Over the past month I have attempted to work with Huntington to have the 30 day late payment in XX/XX/XXXX to no longer report as a 30 day late payment as a goodwill gesture. I have spoken to 5 different representatives with Huntington and no one is hearing what I am requesting. Each person is submitting this through as I am stating that I was not late on the payment. I have been asked to send my credit report to a fax number. Each letter I have received has stated that the investigation confirms the payment was late and will continue to report to the credit bureaus. My credit report will show that my payment history on every account that I have has never shown a late payment 30 days or greater. I felt that this evidence and this being a one off situation would be enough documentation to have Huntington remove the 30 day late payment in XX/XX/XXXX as an act of goodwill. I feel Huntington is not listening to what I am really asking for and being unreasonable with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
-XXXX XXXX  XXXX : Balance {$0.00} Opened XX/XX/XXXX -XXXX   XXXX  : Balance {$51.00} Opened XX/XX/XXXX -XXXX XXXX : Balance {$340.00} Opened XX/XX/XXXX -XXXX XXXX : XXXX  {$650.00} Opened XX/XX/XXXX -XXXX  : {$530.00} Opened XX/XX/XXXX -XXXX : {$6000.00} & {$3500.00} ( School Loan in Error ) XXXX XXXX XXXX {$0.00} Balance -XXXX XXXX {$170.00} Opened XX/XX/XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX {$0.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
I recieved a letter from " Allied Internetional Credit Corp., ( US ) '' today ( XX/XX/2018 ) claiming they are trying to collect a debt of {$530.00} from XXXX. I have not used XXXX in approximately 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hard inquiries without my knowledge -XXXX -PayPal I didnt applied for any credit line for this two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC has repeatedly opened unrequested credit cards in mine and/or my husband 's name. We never requested nor authorized these credit cards. Despite numerous calls and complaints, they continue to open accounts and tie up our credit line. Each time we report the matter, they treat it as " fraud '' and then cover their misdeeds by " resolving the fraud complaint '' ( i.e., card cancellation ). However, the problem is a recurring one. 

Fraud is not the source of the misconduct. Rather, it is their sales/marketing group which has devised a compensation plan that drives and rewards this criminal activity. Just like XXXX XXXX, the HSBC Card Marketing group is incentivizing their employees with a performance plan that is based on driving new cardholder volume/metrics. 

Please let me know how it is that they're getting away with this? I am happy to provide you with more details and have attached a photo of their " welcome letter '' for my new UNREQUESTED card ( identifying details removed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. Equifax simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since Equifax 's breach started this in the first place. There are still issues with Equifax not removing inquiries even when I received letters from Equifax and the disputed companies that the inquiries would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I make one payment that covers three different loans that I have with one lender, they pull the money out of my account ( auto pay ), but it shows on my credit report the I missed ten payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) on two of the loan, but not on the third. I disputed this with a printed credit report with the issues highlighted and a copy of my bank statement showing the payments on the loans ( same amount as the years before and after ) and a typed letter explaining everything. I was told I would receive a letter back in 30 days to let me know what they found and I never received anything, so I called them and they told me I was denied for some reason they could not tell me and it would be in the letter that I never got.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. XXXX XXXX is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. Experian also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX and the disputed companies that the inquiries would be removed.

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 2018-04-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hard inquiries without my knowledge -chace -XXXX I didnt applied for any credit line for this two companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
This company needs to stop harassment immediately. They should stop making false claims. They need to seize all contact. They need to stop stalking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A cashier 's check from XXXX XXXX XXXX for an amount of {$2900.00} was deposited to my account on XX/XX/XXXX. The funds were not available until XX/XX/XXXX at which point I made a transaction based on the availability of the funds and with confidence that Wells Fargo had ensured that the check was valid. I repaid an amount of {$1600.00} for the original senders use on XX/XX/XXXX via a XXXX XXXX money transfer. On XX/XX/XXXX the deposited amount ( {$2900.00} ) appeared as DEPOSITED ITEM RETN UNPAID, and upon further investigation by the Wells Fargo fraud department, the check was declared fraudulent and I was declared a victim of fraud. Wells Fargo is holding me liable, and requests I reimburse the negative balance on my account that is due to the fraudulent check being deposited and subsequently returned.

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 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am severely  XXXX, to the point that I am housebound. I won an EEOC class action suit and wanted a new bank account so I could use the funds I won from that suit separate from my XXXX income because it was to be used as investments with my sister-in-law/power of attorney. Wells Fargo had a promotion going on at the time for new customers, despite all the bad press with them ripping off customers and against my better judgment I opened the account with them and deposited $ XXXX. I started making my investments and attempted to link the account to my XXXX when it was flagged for Fraud. It has been a nightmare ever since. Wells Fargo shut me out with $ XXXX left in my account. I have tried calling their TTY number and used IP Relay several times and it never stays connected or customer service hangs up on the relay agent. I asked that the account be closed and remaining funds sent to me, I sent them a notarized request of withdrawal and account closure three times. I have written letters and contacted them via XXXX. The response is always the exact same, that I need to come in to a branch physically with two forms of ID. I have told them in every single correspondence that I am XXXX beyond the ability of coming in, if I was allowed to open the account online I should be allowed to close it online. I have sent them copies of my birth certificate, my XXXX ID, and social security number, they have proof of my address. I don't understand what the problem is. In any event they sent me a letter recently telling me that due to inactivity the account has been flagged as inactive and funds might someday be released to the state. " escheat ''. But I have no idea how long that could take or if it will even happen. It should not be inactive as I have actively been in contact with them trying to prove I am the account holder and that I want my money back now. A state notarized document and all the copies of my identity should be enough. I have a power of attorney ( sister in law ) who could go into a branch on my behalf but because she was not added to the account before it was flagged they won't release money to my power of attorney. Their ADA standards are absolutely horrendous. I just want my money, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: AZ

Complaint narrative:
XXXX won't let me gain access to my equifax report. it says that i can not accurately identify myself though the questionnaire after several attempts. i am assuming there is some form of credit fraudulence on my report which i don't know about and can't confirm my own identity ... 

equifax doesn't have an easy way to review my credit report like XXXX and XXXX do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Well, here I go again to dispute Citibank-XXXX responses from their Reps which are being attached hereto. Case # XXXX After thorough investigations and numerous phone calls to XXXX XXXX XXXX and talking to different liars, it was found that after the fact that there was a valid and legal settlement about my debt with XXXX thru these people XXXX XXXX XXXX the account was sent back to Citibank. 
It looks like when XXXX saw what was the settlement amount ( fair to me ) they decided to retrieve this account from the collection Agency when ( according to their version ) the first payment had been processed. This is very irregular and non-honest procedure and what is more aggravating ; they allege that the second and third payments were never processed. 
I made 3 payments and have submitted 3 payment confirmation issued by this XXXX XXXX XXXX in accordance with the terms of our agreement and can not accept as valid Citibank-XXXX statement saying that there is no proof of payment for the second and third payments. 
I have received 2 letters from Citibank-XXXX officers with unsustainable arguments and I take exception of Citibank-XXXX arguments and furthermore I empower my right to object this procedure and demand from XXXX to respect the agreement with XXXX XXXX XXXX and basically to provide a full history about this account. 
Now XXXX XXXX XXXX need to get involved and explain from their side what really happened and what they did with my moneys after they issued 3 Payment Confirmation No need to stress the fact that this issue has been affecting badly my credit records and because of this I have been unable to do business, now three years.

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 2018-04-18 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: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have reported to all 3 credit bureaus multiple times that Navient is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX-I believe this is a XXXX  XXXX XXXX credit card originally. 
XX/XX/XXXX XXXX XXXX CFO sent Certified Mail return receipt requested sent to dispute debt, no response. 
XX/XX/XXXX sent second certified mail return receipt requested sent to CFO XXXX XXXX, no response. 
XX/XX/XXXX, 3rd certified mail return receipt requested letter sent to CFO XXXX XXXX, disputing debt, no response. 
Then, I filed a complaint with cfpb # XXXX, no response from your company. 
I have sent XXXX 2 letters of dispute with no resolution. NO ONE from XXXX NOR XXXX has validated the debt since XX/XX/XXXX. 
I quoted the FDPC they were in receipt of notice to validate the debt, they refused legally 3 times with no response as to the validity of the alleged debt. 
I am sure this is in the records that XXXX has when they bought the debt second hand from XXXX XXXX.

Company response to consumer: Closed with explanation