vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-26 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have disputed an account reporting on my credit report with XXXX Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : 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 2018-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
On or about XX/XX/XXXX I received a letter stating that XXXX XXXX XXXX XXXX ( PRA, LLC '' ) had purchased an account and stated that I owed {$2400.00}. 

On XX/XX/XXXX I sent PRA, LLC a Debt Validation letter. 

On or about XX/XX/XXXX, I received a letter from PRA, LLC stating that they had purchased an electronic file from XXXX XXXX XXXX ( USA ) XXXX that contained information regarding an account belonging to me. 

On XX/XX/XXXX I sent a letter to PRA, LLC stating that I had no knowledge of them and the electronic file they claimed to have purchased, and asked them to produce all documents pertaining to this account. 

On or about XX/XX/XXXX I received a letter from PRA, LLC stating that more documents were enclosed. Documents enclosed were incomplete statements from XXXX XXXX, which I had never seen before. 

On XX/XX/XXXX I sent PRA, LLC another certified letter regarding their XX/XX/XXXX response. In this letter I stated that the incomplete statements appear to be from XXXX XXXX and not from PRA, LLC, and I had not seen them before. I also stated that if they are claiming that this account was established between myself and XXXX XXXX, and now they are claiming ownership, I asked them to provide the following documentation : A copy of the original contract agreement with my name and signature. 

Proof of ownership of the alleged account ( purchase agreement/bill of sale, purchase amount, and all documents that demonstrate clear ownership ). 

Detailed accounting beginning with XXXX  ( XXXX ) balance and ending with the alleged amount of {$2400.00}.

On or about XX/XX/XXXX PRA, LLC responded with another letter stating that additional documents were enclosed, but there were no documents enclosed, and that they had completed their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: NY

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: MN

Complaint narrative:
Letter from XXXX XXXX of XX/XX/18 states, " We did not approve your request '' for a credit card. " Based on information from.. .Equifax . '' I'd send a copy of XXXX 's letter, but I don't know how to send a copy of this letter in an email, since it is a hard copy letter, not an emailed one. 

I tried to contact Equifax automatic phone request line, had difficulty navigating their machine, telephoned & spoke to a real person who said he himself couldn't send my credit report, tried online & almost received my copy but the Equifax system said it wasn't working at the moment, and I should try again some other day. 

I tried to request a copy of my credit report again through their phone request line, and was told there would be a charge since I'd already requested my file recently. ( The file they couldn't send me because things weren't working on their end. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BB&T CORPORATION
State: TX

Complaint narrative:
XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!

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 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
This has been an ongoing thing since XX/XX/XXXX when I split up with my now ex-husband XXXX XXXX XXXX he stoled my safe with my social security card ID passport and IDs passports and social security card and birth certificates of my children as well as myself then. In XX/XX/XXXX my purse was stolen that was my second identity theft but those people were caught and prosecuted then my Third identity theft XXXX XXXX found me again in XXXX Pennsylvania back in XX/XX/XXXX broke into my apartment and wrecked it to steal my identity again and now this is the fourth police report from Identity Theft just this XX/XX/XXXX so someone oviously has it out to destroy me. I need my number changed but social security refuses to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received Targeted Promition from Citi Advantage Platinum Select Credit card. It offered XXXX miles after spending {$3000.00} in 3 month as a benefit. When I received card and all the paper along with it I couldnt find the XXXX miles benefit on it. On XXXX XXXX I called customer service and raised concern. Ive been assured that I am eligible for this benefit. After spending {$3900.00} and not seeing the miles, I called customer service again and been told that because I have closed another credit card within 24 months, I am not eligible for the XXXX miles. How this Targeted Promotion was sent to me if I wasnt eligible? Citi got two sets of materials that they sending to the customers : one with full benefits and another for duped people with the short benefits. There was nothing in the application disclosing eligibility requirements. Citi is in violation of the Truth in Lending Act and should stop deceiving practices.

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 2018-03-26 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: GA

Complaint narrative:
I made a purchase at XXXX in XXXX, GA in XX/XX/2017. The store clerk persuaded me to apply for a XXXX card to get a special discount on my purchase. After a few weeks I realized, I hadn't received the card or bill, so I called XXXX and discovered they had the city of XXXX for my address. The receipt for my purchase however had the correct city of XXXX, GA for my address, so I have no clue why my card application was processed with an incorrect address. Anyway, XXXX corrected the problem, refunded all penalties and interest, and I immediately paid the bill in full. When I asked about the impact on my credit report, XXXX assured me it would be cleared up after 30 days. At this point, only Transunion is refusing to cooperate. My credit score from TU is 100 points lower because of this payment which was originally reported as late. I have tried to dispute this transaction with TU, but they keep over-ruling my objection because the information is technically accurate. The space TU has allocated on their dispute site wont let me enter this much detail, but this is clearly the creditors mistake and TU is failing to investigate the matter properly. This payment should not be affecting my credit rating as it has nothing to do with my ability or willingness to pay my obligations promptly

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 2018-03-26 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a XXXX XXXX that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.

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 2018-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
Greetings : I made a Money Gram Transfer onXX/XX/XXXXusing the online service in the amount of {$100.00} + {$12.00} for the service fee totaling {$110.00}. The funds were deducted from my account onXX/XX/XXXXTwo ( 2 ) days passed and the receiver never picked the money up, so I canceled the transaction. I contacted Money Gram and they stated it would be up to 10 business days ( I think it was ) so I waited. I did not receive my money back in the 10 days as promised, so I called again. The second call, they stated give it to Monday which was 2 more days away. After that Monday, I called again and was told to give it to the end of the week. Again, I waited ; still no refund. I called again and was asked to check my bank account ( no refund there ) and was given an email to send a copy of the transaction showing it was deducted from my account. I did that onXX/XX/XXXX ( an entire month has now passed ). Please keep in mind that NO ONE has contacted me AT ALL regarding this matter. I'm the one who has to keep calling them and every time I call, it's always something else they are asking me to do to show proof. Today XX/XX/XXXX.. now almost 2 months have passed and they are asking me to send them my ENTIRE BANK STATEMENT as if what I sent isn't showing enough. I've sent that in as well as of today. Today, I called the complaint line to file a consumer complaint and was directed to this website. I'm contacting you guys because I use Money Gram frequently and to have such a hassle just to get back my own money is RIDICULOUS!! I AM LIVID, DISAPPOINTED, FRUSTRATED AND READY TO HAVE THIS RESOLVED. No one should have to go through such extreme to get their money back. Every thing requested OF ME has been done ... why can't they just release my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: NJ

Complaint narrative:
I have disputed an account reporting on my credit report with Experian Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.

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 2018-03-26 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: NJ

Complaint narrative:
I have unauthorized inquiries reporting on my Equifax report. I have contacted the XXXX XXXX and XXXX as well as Equifax for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX had contacted me 4x on Monday, XX/XX/XXXX18. Once at XXXX and thrice at XXXX. I took a screenshot of the 4 calls made on my XXXX. I consider this harassment as far as a debt collection tactic goes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
We are attempting to stop ACH payments from payday lenders, but our bank says they are unable to do so. We have revoked authorization from our lenders, and when we notified the bank today, XX/XX/2018, we were told by the bank that they are unable to stop ACH payments, even if we send them a letter stating that we've revoked the right for the lenders to withdraw funds. We called to understand their process and how to get started, as we are working with a debt management company to assist in the repayment of the loans.

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 2018-03-26 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: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
Td auto finance is reporting a hard inquiry that i did not authorize. I sent in my signed application which shows the date i applied and they ran my credit before that without my authorization. I have tried to get it removed td auto finance and the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
I contacted National credit audit requesting a pay in delete agreement. When I spoke with the individual XXXX she read my the attempt to collect verbiage on my first call I told her my concern and asked kindly if she could help. She said they could pay to delete if fully payment was received, I indicated I did not have the funds for the full amount owed and would be willing to settle to pay to delete. She said well we cant do that. I said wel I can not afford to pay the debt in full unfortunately. She said well thats the only time we will offer this to you with attitude. I said well thats a little rude. She then proceeded to say no youre rude for not paying your debts. I felt very attacked and asked for a supervisor. She stated no one was available and hung up on me.

I called back again and asked for a supervisor but was transferred to XXXX again about 5 minute later. She said no XXXX theres no supervisor and in the beginning did not read the attempt to collect verbiage. I said that is not allowed to my understanding and you shouldve read it first. I believe she violated the collection laws by not reading the verbiage but also attacked me for being kind and honest in that I could not afford to pay today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit agency keeps refusing to remove incorrect information from my report which cost me more interest rates and lowers my score. I had a bankruptcy due to a divorce but I paid the student loan off, they keep stating that it was included in the bankruptcy and I have already over a year submitted proof that it was paid off ( letter from the department of education ) and Schedules from the bankruptcy to show that it wasn't included and they refuse to update the account or to take it off. it is the only Credit bereau that has it and it is not allowed by law to include student loans into bankruptcies so its an obvious error.

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 2018-03-26 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: MD

Complaint narrative:
XXXX is reporting incorrect, inconsistent info about my loan account. I have requested an investigation and upon completion, the information continues to be reported incorrect.

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 2018-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a Total Checking Account on XX/XX/XXXX in branch. The deposit agreement I was provided gave me the right to opt out of the mandatory arbitration clause within 60 days of account opening. This agreement stated that I could opt out either with a personal bank or by calling the standard XXXX number to reach Chase.

I asked the personal banker at the time of account opening if I could opt out, referencing the relevant clause. The personal banker indicated that she did not know how to opt customers out of arbitration and had never heard of it. She wrote down the number provided in the agreement on a stick note and encouraged me to call them to ask to be opted out.

I asked Chase to opt out of the mandatory arbitration agreement in a secure message on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that my request had been forwarded to research and that I would receive a response in 5 business days. I have not received a response.

I recently called the number provided in the deposit agreement and asked to opt out of mandatory arbitration. The first-level customer service representative escalated me to a supervisor, who said she'd never heard of this and would refer the matter to research.

I have not received any response.

Company response to consumer: Closed with explanation