vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had Kohls department store card which was opened on XX/XX/XXXX. The card was closed by me on XX/XX/XXXX. 

The situation here Is Kohls had agreed to remove this entire history off my credit report, the problem here is it is still on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: NY

Complaint narrative:
They refuse to process my application I called them to tell them I have a fraud alert and they need to do verification they refused very nasty to me all for a credit card unbelievable they dont care for me the applicant the consumer told me to wait

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Its not fair they way hsbc is treating my credit card application I apllied on weekend I call them to see the status I have a fraud alert they transfer me to Security since they said they must speak with me To confirm my identity when I speak to them they refuse to process my application and tell me they have others in front of me this is not nice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: NY

Complaint narrative:
I apply in branch for a secured card they made me open a savings account to freeze it now I call they said I was denied and to apply for a loan instead this is crazy they cant tell me what to do or which product I want not fair they refuse to approve me secured card application after doing what I was told to go in branch and open the savings which I did and they now tell me I dont qualify such a waste of time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I was looking online and found a Motion for Default Judgement for failure to appear in court. It is noted that I was served at an address I have not been in the vacinity of for nearly 2 decades. I believe this to be an attemp to prevent me from disputing the debt by purposely sending mail and court inormation to a place that I do not reside. These individuals are using unscrupulous, deceptive, and probably unlawful tactics to obtain a judgement for money I do not owe. Filing a complaint with the Indiana/Ohio Bar Association is next.

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain  credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
When I applied for the CNB Crystal Card it was advertised as having a XXXX point bonus offer and I applied by the deadline for the offer. CNB then claimed I am ineligible for the XXXX point offer because they didn't process my application by the deadline for the promotion. They were too slow and that's somehow my fault. I was told not even to bother trying to hit the {$5000.00} spending for XXXX points, because all I would get is XXXX intro points for spending {$3000.00} in 90 days. This was deceptive advertising and should not have been allowed. A company shouldn't be able to delay processing of applications until its terms change to ones more favorable to it. Worse, XXXX XXXX informed me that I would receive the XXXX points once I hit the {$3000.00} in spend and the 90 day mark. Both of these metrics have been hit and they are telling me it will be another 4-6 weeks. In my view, based on these experiences, City National Bank seems to feel as though it doesn't have to honor its promotions, which is incorrect. City National Bank doesn't seem to think they need to advertise the actual product accurately either. I signed up and paid the {$400.00} annual fee only to have many of the most valuable perks stripped from my card mere months after they took their annual fee. CNB should have to provide the product they advertised, or at least wait until the end of the annual fee year to take away benefits that you have paid for. Worse still, they made these changes and are forcing customers who just opened the card to either close the card, which can cause a decline in credit score, or pay the {$400.00} fee again for a product that is significantly less valuable. Previously, employee XXXX XXXX confirmed, you could downgrade the card but they would not allow ME to downgrade it anymore. It's another example of the bank going back on its word. There are even problems using the card 's benefits now. For example, my AU card was registered with Visa for the free in-flight GoGo WiFi passes. The passes didn't even work on a XXXX flight and now CNB is saying it's up to Visa whether to credit the money. This is unacceptable, they should have to make the advertised benefits usable. Lastly, if you look at CNB 's previous responses to my prior CFPB complaints, they seem to be to be snarky and condescending. They do not present themselves as responses from a bank that takes their legal or ethical responsibilities seriously, which is clearly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my account.

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 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i received a hard inquiry on my credit report from Transunion.this was from XXXX XXXX XXXX.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called XXXX XXXX today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called Transunion XX/XX/19 said nothing they can do i should contact XXXX XXXX.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them XXXX XXXX.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed

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 2019-11-13 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i received a hard inquiry on my credit report from XXXX.this was from Capital One Bank.I monitor my credit through XXXX XXXX.Trying to improve my credit XXXX XXXX recommended an offer to recieve a cc from them the odds were good.I did not because of there interest rate.Not a week later i get this inquiry and my score drops quite a bit.I contacted XXXX XXXX no help.I called Capital One today XX/XX/19 was told they cant do anything but told me they have no record of me applying for credit with them.Called XXXX XX/XX/19 said nothing they can do i should contact Capital One.Back and forth.Now i guess i will have to send for the forms to dispute it wait do all that and then wait 45 days for a response.They admit i never submitted any document for credit with them Capital One.Then i dont understand when i did not accept the offer to apply for this card under recommrndation from XXXX XXXX a week later i get this hard inquiry that they should not have done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.

Complaint narrative:
I was given 2x {$25.00} Vanilla Visa Gift Cards last XXXX with expiry dates of XX/XX/23 so didn't think there was any rush to use them. I went to purchase something for {$25.00} yesterday and it was declined. I thought perhaps I had to do something with then first so went online but didn't have the info needed so rang them. They informed me that both cards are worth {$15.00} now because they have been taking fees of {$2.00} per month from the XXXX month after the purchase date. Heaps of people are being caught out by this. It is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: WA

Complaint narrative:
I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: OH

Complaint narrative:
I have been locked out of the online credit freeze service at Equifax called MyEquifax, which only presents me with a screen that tells me I must call them to manage my credit freeze. This is acceptable although inconvenient, but on XX/XX/2019 when I attempted to temporarily lift my freeze over the phone, the automated system repeatedly told me I had a temporary lift ending XX/XX/2019, and then immediately ended the call after that information. By trial and error with pressing 0, I was able to reach a human agent, who verified some information but hung up before doing anything to fix either my online login or credit freeze problem. As it is now, I can not open any new credit if the creditor pulls my score from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: MS

Complaint narrative:
My first concern is how I owe the US Department of education has multiple debt collectors which makes it much easier to go into default. 

Second, one of their debt collectors, Great Lakes, has caused my credit score to lower in the past 60 days making me have a late payment that I never was able to dispute, which I can because I'm not on a stable monthly income to pay $ XXXX monthly. I also have not been contacted about the billing process. Unlike XXXX, they have not contacted me through mail, email ( if they have I'm sure i missed it because i get TONS OF DAILY MAIL ), nor by phone. The only communication that they use with me is emails and I feel its because they know I might not open them and that's because I get tons of emails and most of them are easily to be missed if I'm not expecting them. However, I HAVE NOT RECEIVED ANYTHING IN THE MAIL FROM THEM TO MY PHYSICAL ADDRESS! 

It seems as if Great Lakes are purposely trying to make my credit score down, like manipulating it for their own purpose. It seems as if they are trying to squeeze money I may have out of me ( which i don't have ) or trying to punish me for not paying.

This has been affecting my credit score, but have not been able to find out any details until the so-called late payment was just reported. They are manipulating my credit score for profits or payback. 

PLEASE HELP ME, I feel BULLIED!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NY

Complaint narrative:
Almost my entire credit report is missing. Dozens of accounts, inquiries, etc. that were once on my Experian report are now completely missing when I pull a report from the Experian website. This may be the result of my file becoming too large and it splitting into two, which would need to be rectified immediately to make it whole into one again. Otherwise, I would need an explanation as to why Experian arbitrarily deleted all this information.

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