vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
During my first day ( XXXX XX/XX/XXXX ) of employment at XXXX XXXX, the HR ( XXXX XXXX ) asked me to fill up few formality papers. I have no idea that they ( XXXX XXXX ) asked me something via which they can open a XXXX XXXX Store credit card in my name. 
XXXX XX/XX/XXXX was my last day at XXXX XXXX. I handed over the employee badge to XXXX XXXX ( Human Resources ) around XXXX on XXXX XXXX, XXXX. XXXX XXXX told me that I will be getting the replacement Credit card ( within 30 days ) as the employee card is also the store credit card. 
Till now - after 30 days - I haven't received my replacement credit card. 
It's a fraud to get the credit card opened in somebody's name like that. It seems XXXX XXXX which is almost on the verge of bankruptcy somehow want to show that still new customers are opening the credit cards to show some spike in sales. 
And worst thing - why XXXX XXXX is making poor employees open up the credit cards at the first place? 
This scam and fraud is as big as what world saw few years back ( when XXXX XXXX opened some fake accounts for the customers ). 

I never ever used this credit card ( which i am not aware how come it got opened ). I closed my house in XX/XX/XXXX and due to some of these recent activities ( applying for the credit card in XX/XX/XXXX ) proved to be fatal for me as I end up paying higher interest rates. 
I never ever received any statement for this credit card - not at my postal address or on the email address ( Work or personal ). 

Where does this ghost credit card went? 

I never got any card member agreement or FYI from this credit card which talks about it's terms and conditions. 

There seems to be some big fraud going on it seems. 

I believe Capital One is the credit card issuer for XXXX XXXX. Capital One should have some standards and protocols ( rules ) in terms of which kind of companies or merchants they need to partner to issue the credit card. Every credit card application is a hard inquiry to a candidate. If there is a massive fraud going on like this - it should be investigated. Card issuer as well as the merchant should be investigated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: Western-Shamrock Corporation
State: GA

Complaint narrative:
I have an Unauthorized Hard Inquiry on my XXXX credit report from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I have unauthorized credit reports from this company on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: GA

Complaint narrative:
I have an unauthorized Inquiry on my XXXX and XXXX credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. 

XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. 

I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. 

I am forced to pay TD bank for the charges of service I did not receive. 

TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not often request my credit reports last month i decides to do so. and i was surprised to see that XXXX XXXX XXXX XXXX in Utah place an item on my credit file. I send them a letter on XX/XX/2018 to get it removed from my credit file .On XX/XX/XXXX one member send me a letter with one piece of paper with signature that is not mine saying that they sold the account to a collector company so i have to contact the collector. I send him another letter and tell him that the account is fraud the signature appear not mine. At the same time i request them to send the the dealer address, phone number and name for me to be able to contact them. Instead of sending the information they call experian and Experian send me letter saying that they place a freeze on my credit file. On XX/XX/2018 another member send me a letter reporting that he is going to call the tree bureaus for repossession of the account. Before all that the account was showing on the comment that it's charge off. with all those discrepancies it still on my credit file.

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 2018-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018 I contacted Chase. I tried to use my XXXX XXXX and it was declined. The reason being is that XXXX said they never received my payment. However, I had paid my bill online through Chase on XX/XX/2018 for {$310.00}. 

I called customer service and they said sorry we dont see the payment what do you want me to do. I said I am now going to be charged a {$38.00} late fee plus the interest of {$310.00}. APR on card is 24.65. 

I processed the payment through Chase bill pay online and now I am being harmed because XXXX  never received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is being filed for my XXXX Anywhere Visa Card ending in -XXXX regarding a billing dispute in the amount of {$510.00} with the merchant XXXX. A hotel stay was booked through the site " XXXX '' from XX/XX/2018 to XX/XX/2018 with a hotel in XXXX XXXX. An initial complaint was filed with the CFPB disputing the validity of this charge mentioning the condition of the room and how severely uninhabitable the room was upon me entering it. The carpets in the room was extremely dirty ; there were several leaks in the ceiling of the restroom which reeked of human feces and urine along with the fact that there was a severe bed bug infestation to the point where I developed XXXX and XXXX XXXX on my skin. All of this was mentioned during my initial dispute of this charge with Citi and documentation, including photographs, were provided to support my statement. 

I was told from the initial CFPB response that this was a " nonrefundable '' charge. I would like to address that point right now. I do acknowledge that this charge was non-refundable however, it was based on the condition that the hotel provided a room that was as advertised during my booking. The hotel deliberately and falsely misrepresented the condition of the room - which in turn, equates fully to false advertising. I should be fully refunded this charge based upon the misrepresentation of the condition of the room during my booking. The hotel DID NOT provide a room that was livable by any means ( as described above ). I developed XXXX XXXX on my skin that required hospitalization. I expect, at the very least, for this charge to be refunded as the hotel DID NOT live up to their promises and the expectation of providing a room that was as advertised during my booking. The hotel, instead, provided a room that was filthy, contaminated and infested with bugs. 

A civil lawsuit is in the works against the hotel for injuries suffered during this stay. Accordingly, this charge, at this time, should be rightfully reversed and a credit be given in light of the evidence submitted to Citibank during the initial filing of this dispute. Statements, backed up by photo evidence, was submitted during the initial dispute of this charge. I fully expect a credit for this charge as this hotel provided a room infested with bugs which was, extraordinarily negligent and illegal - on the basis of injuries suffered by me, gross misrepresentation and false advertising of the room.

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 2018-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX around noon, my wife and I called Transunion. When we tried signing me up for credit monitoring there was a problem verifying my identity. The representative informed us of a website we can visit so we can get my credit report and we can go from there verifying my identity. We waited until XXXX to do so and forgot that website. 
My wife called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX  CT. She explained the situation above to the representative she spoke to, her name was XXXX , she did not seem to understand what my wife was talking about. So, the representative proceeded to tell my wife that I can sign up for a transcription online. She explained the situation to her again and told her that all she wanted is that website address. The representative then proceeded to ask my wife for my social security, which my wife did not provide and asked her why she wanted that. The representative wanted to check if I have an account with them. My wife said that I didnt have one. My wife provided my name to the representative who proceeded to look me up in the system and obviously coming out empty handed. I DID NOT authorize them to give out my information to anyone and the representative was willing to give out information about me. 
My wife called back immediately at XXXX XXXX CT to talk to a supervisor and spoke with XXXX XXXX Consumer Relation Department. She asked for his employee ID, he told her that was confidential. She explained her concern for the release of confidential information based on the conversation with the representative and told him if it was that easy to get the representative to provide information about me she is worried anyone can just call and obtain information about anyone. He did not ask my wife who she spoke to and proceeded to defend the employee and claim she did not do anything wrong. He then offered to give my wife the number to the online department so that we can get an online subscription. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.

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 2018-11-18 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: NH

Complaint narrative:
My Citi Prestige credit card comes with a {$450.00} annual fee and is billed as Citi 's highend credit card. One of the benefits that comes with this high annual fee is supposed  access to a premium " concierge '' service. Another benefit of this card is a " 4th night free, '' which allows a credit card holder to receive a fourth night free ( when booking four or more hotel nights ) through its concierge service. However, Citi has made it virtually impossible to use this benefit. I was on hold for more than two hours to redeem the free night benefit. I got nowhere. By making it impossible to redeem this benefit, Citi has effectively eliminated it. As a result, the annual fee is paid and the customer receives nothing in exchange. 

I want my annual fee refunded. I do not pay an annual fee of {$450.00} to wait on hold for two hours to use my benefits. To make matters worse, I called early in the morning, at XXXX   EST. Yet, even at that time, the hold times are ridiculous. If Citi is going to charge an annual fee of {$450.00}, it should not make its customers wait two hours to access their benefits. I spoke with a supervisor and he was apologetic but could not offer any solution.

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 2018-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo still has not explained how the mortgage on my house has not changed in the past 13 years since we have been paying on it. They are a cheat company who misrepresents themselves and do nothing but cheat and lie to customers. I want an explanation as to why our morrgage has not changed in 13 years ... ..it should be less than what they say it is and they are basically having us pay 5 times the actual house cost with their lies and so called loan modifications. Our original loan for the home was not through them since I never trusted this company and I would like my mortgage sold to another company.

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 2018-11-18 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is preventing me from obtaining my credit report online. I fill out all my correct information and the site does not allow me to access my report. 

Equifax is also placing incorrect dates on old debts on my report by allowing collection agencies to use incorrect dates. Then they change my score without justification. They also do not investigate correctly. 

I should be allowed access to my report and disputes online. I have previously sent Equifax my driver 's license to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
day XX/XX/2018 XXXX I was inform that my loan was approved for {$5000.00} for 30montths {$180.00} @ 10 % fix interest at that time they put {$490.00} into my acct then they ask me to go to cvs and put {$490.00} on a card then send it back to them that was for my PPI. then they will transfer the {$5000.00} in to my acct. then they called me and told they need a {$150.00} and I told them no

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Well I fell behind on a credit card debt. They sent my account to their collection department. They only have one phone number on file. So they called my exhusbands number and gave out all my personal information to him right after they called my number. Some o e named XXXX called my exhusband and told him all about my late payments and how much I owe and they need me to call them. I just barely received a call from them which I was going to return once I got out of work, but couldnt wait at the same time they called me not five minutes later they called my exhusbands number which I never gave them. They violated my privacy consumer rights and embarrassed me.I have never felt so violated from the XXXX company they are under handed and rude. I hope you can stop their horrible practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-18 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 — Investigation took more than 30 days
Company: Rent Recover, LLC
State: AR

Complaint narrative:
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, XXXX XXXX   AND RENT RECOVER LLC.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18 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 — Investigation took more than 30 days
Company: Screening Reports Inc.
State: AR

Complaint narrative:
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, SCREENING REPORTS AND XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Goldman Sachs Small Business said my Company was approved for a undecided amount of credit until my application was finished! 

I had a XXXX performed and was omitted into hospital for a three week period and was unable to finish my application! I was to send in three months of my banking statements to seal the loan! I was unable to complete because I was hospitalized! I received no letter as to the need for the three months of statements.

I was also told this application was not a hard pull of my credit! It was to be a loan to business and not personal. They preformed a hard pull!

Goldman Sachs caused my credit to plummet. I dont believe this was a fair application or didnt allow me to finish a complete application! 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation