vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
Upon moving to XXXX XXXX recently after residing in XXXX XXXX for 7 years I have never heard of this debt that seems to be something from 2007. I divorced and was driving a twenty year old car so I was looking to purchase a used car that was more reliable so this company XXXX XXXX XXXX contacted me right after I was at dealership, so they ran my credit. The only thing they have done was one phone call to verify my employment and then a judgement to garnish my wages which seemed so harsh being I honestly new nothing about this. Its been ten years how can this happen and when I went to the court because they would n't even tell me what it was the court did n't even know what the debt was from all they said was it looks like maybe it was some kind of credit card. Can this happen so drastically this would literally put me in a terrible place financially I 'm barely surviving now. Apparently upon research this company buys old debt and just takes extreme measures to get paid I wonder myself if they keep it. I really feel helpless obviously I ca n't afford an attorney. Thank you for your time if any additional information would help on my behalf I would be more then happy to share. I filed a motion along with two certified letters wanting more information. 

Sincerely, 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 2017-11-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.

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 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Account XXXX Has sent me a demand letter for a debt they purchased from Citi Bank ( South Dekota ) NA from XXXX XXXX XXXX.The credit card was issued XX/XX/XXXX and last used in XX/XX/XXXX. This debt was discharged in US Bankruptcy Court in XX/XX/XXXX also California State law statue is 4 years on debt collection I demand XXXX XXXX XXXX XXXX. cease and desist any and all collections of {$510.00} from me Thank You XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I made an ATM withdrawal at a Bank of Hawaii ATM in XXXX, using my XXXX  XXXX XXXX card to withdraw {$400.00}. I put the card in and chose " FastCash '',  and then entered the amount and pressed enter on the keypad. But the machine only withdrew {$200.00}, charging a {$3.00} transaction fee. I agreed to a {$3.00} service fee for a withdrawal of {$400.00}, not {$200.00}. Thus I had to make an additional transaction to withdraw the remaining {$200.00}. If I had known I would be charged {$3.00} to withdraw {$200.00}, I would not have agreed to it. 

Here are the transaction details : BANK OF HAWAII ATM XX/XX/XXXX # XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI BANK OF HAWAII XX/XX/XXXX #  XXXX WITHDRWL XXXX XXXX XXXX XXXXXXXX HI

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
I opened US Bank checking account with Promo Code " XXXX '' for {$200.00} sign up bonus for meeting one ofthe two following requrinments. 
" To receive a {$200.00} bonus open a new U.S. Bank Silver, Gold or Platinum Checking Package, and complete one or more direct deposits totaling at least {$500.00} or complete two or more U.S. Bank Bill Pay transactions of {$25.00} each within 60 days of account opening. " I did two bill payment transactions on XX/XX/XXXX through the bill pay section of the online banking user interface. 

I called the bank on Wednesday XX/XX/XXXX to check the status at XXXXXXXX XXXX  Central time. 
I was transferred to 3 different representatives. The gentleman I spoke to last said that I did not qualify as the bill payments I made were not classified as bill payment. 

I would like to bring to the notice that I did those payments through the bill pay section as they can be seen in my bill pay history in the attached screenshots. 

I have been wrongly denied the bonus and would like to request that the {$200.00} is deposited in my account at the earliest.

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 2017-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Pioneer Credit Recovery keeps calling my mobile from phone number XXXX and leaving voicemails. They do n't seem to have any information on me yet they continue to call every day, I am positive this is a scam.

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 2017-11-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fraudulent purchase was made on my Wells Fargo credit card on XXXX for {$1200.00} for XXXX XXXX. I have since been in contact going back and forth with Wells Fargo disputing this charge. They have made little effort to resolve this issue. I took the initiative to contact XXXX XXXX directly. After many attempts to reach XXXX XXXX, a representative responded. She gave me the information that the charge was for a gift card, the email of the person, and phone number of the person who made this fraudulent charge. Not only is stealing this amount of money a felony, if they use it to cross state borders it could be a federal crime. The person who made the fraudulent charge had my credit card information ( this card has since been cancelled ) and has my home address information. I believe the person who made this fraudulent charge should be investigated and face criminal charges.

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 2017-11-14 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:
For months, I have tried to plead my case with Transunion that I have inquiries on my credit report that I did n't authorize. Customer Service representatives refuse to help me and remove the negative inquiries reflecting on my credit report. I am a victim of the XXXX breach therefore, my personal information has been compromised. My credit is very important to me and the fact the Transunion is not willing to remove these inquiries and denying my right to dispute is negatively affecting my credit. I am constantly being told to contact the credit agency even after I let the Transunion representative know that I have done so and have been redirected to Transunion to remove these inquiries. Being a consumer this is very frustrating as I have made multiple disputes to the XXXX and CFPB. I have called numerous times as well and Transunion refuses to resolve this issue. The last representative I spoke with told me that I needed to wait 2 years for the inquiries to just fall off which is not an option for me. The inquiries that need to be removed are the following : XXXX XXXX XXXX/XXXX/XXXX ), XXXX 's TX ( XXXX/XXXX/XXXX ), XXXX B ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXXXXXX ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ), and XXXX ( XXXX/XXXX/XXXX ). My next step would be to file a complaint with the XXXX and once again with the XXXX.I do n't need these items disputed, they should be removed and an updated copy reflecting those removals should be sent to my current mailing address.

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 2017-11-14 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: MI

Complaint narrative:
I filed a complaint on XXXX/XXXX/XXXX against TransUnion credit bureau XXXX, For their refusal to block trade-line I have requested due to Identity Theft. I had forgotten to include a copy of the Affidavit form TransUnion implies is the only form they will accept. I want to make sure their is mounting evidence the form was filled out correctly and notarized. It was mailed back on Monday XXXX/XXXX/XXXX. Therefore TransUnion has 4 days to delete the fraud trade-line. I have forwarded all this information to the XXXX and members of XXXX. 
I would also like to place on the record that prior to my identity being stolen ; -I have NEVER missed a payment in over 25 years of having credit. 

I typically never carry a balance on my credit cards and my credit history backs this fact up. 
Therefore, for TransUnion to not recognize the clear deviation of my credit pattern over the last 25 years is more proof their investigation is reckless or no investigation was ever conducted. 
Further, it must be asked why TransUnion chooses to error on the side against the victim whereas, some harm can not be repaired. Whereas, the alternative if TransUnion had BLOCKED the requested information and then conducted a proper investigation as the law requires. Any information can always be re-added.

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 2017-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
For the second time Capital One has changed my password. Have been hung up on twice and ca n't access my account on line. I 'm tired of dealing with these incompetent people. Since I ca n't access my account I have to call. I get a message saying the office is closed at XXXX XXXX. I wish to close all my accounts but find no way to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: KY

Complaint narrative:
I placed a claim for fraudulent charges on my debt card for {$600.00} on XXXX/XXXX/XXXX I received a letter from my card service/bank stating that based upon our review of the information you provided as well as our internal records and your card history, we can not confirm that fraud occurred. Our investigation indicates that you entered into an agreement with the merchant, and the transaction was processed in accordance with that agreement. You may try to resolve the issue with the merchant directly. The problem I have with this is there 's over a half a dozen merchants and services that are the problem. Obviously they have done nothing to clear this up or do they intend to. They never put my provisional credit on my account either so they do n't have much insensitive I guess I did n't enter into these agreements and if they followed the money I think that is clear. I paid someone 's gas bill in XXXX and someone else 's phone bill. The charges from XXXX for what I do n't know but I assure you they did n't ship anything to me. Direct Express is totally worthless and as I 've discovered that opinion is shared by literally hundreds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit card at XXXX I was denied by Experian because it said that I am deceased?? How do I correct that information? And what recourse do I need to do for this error??? 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 2017-11-14 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: CA

Complaint narrative:
These blundering XXXX at equifax have fraudulently SELF-CREATED a phony account in MY file using my wifes personal information. THESE XXXX NEVER have my permission to blunder away my information with my wife. NOW these XXXX do n't recognize me, because MY wifes personal information has taken over MY ACCOUNT?! # HOW stuck on XXXX are these XXXX?! # NOW, I have been playing phone tag with wrong numbers, incompetent XXXX, calling themselves equifax, ONLY a different department?! # WHAT!!!!!!!!!!!!! I can NOT get credit or rent a new apartment or room without a generic credit report. THESE XXXX have caused me extreme rage and anxiety. I told you people this years ago. Here we are!!!! I tried to get a free flu shot for veterans at walgreens. MY name and social security number comes up as a MIS-Match?! # NOW I have been wasting my time with equifaxs generic security website, which goes to trustedid.com. STILL does NOT work or recognize me. I want my file frozen from these idiots permanently. I want my wife 's information out of MY file NOW!!!!! How would clumsy XXXX protect anyones personal information?! # I had to go round and round with these idiots with there sloppy outdated obviously INACCURATE blunders in my file for years! How many complaints to you people. I warned you people years ago this would happen. Worthless XXXX  sloppy with everyones personal information. Here we are!!!! Nothing has changed!!!!! Same run around, wrong numbers, generic voice mails or sloppy self-created automated system to EVADE any accountability!!!!

Company response to consumer: Closed with explanation