vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I initiated a balance transfer from a Barclays credit card onXX/XX/19 to payoff my XXXX credit card for {$2600.00}. I did a total of 3 balance transfers that day and the other two transfers to other credit cards went fine but after several weeks of waiting I called Barclays on XX/XX/19because the transfer did not show up in my XXXX account. After they reviewed my transfer request it was determined that I had a typo in the XXXX account number ( they only wanted the last four digits ) so Barclays started case # XXXX onXX/XX/19and said it would take a few weeks to resolve. I called back around XX/XX/2019and they said the case had not been resolved and it could take up to 30 days so I called back Barclays around XX/XX/2019 and they said they would escalate the case to the Settlement Department and to call back in 7 - 10 days. I called back onXX/XX/and spoke to a supervisor who said the case was still pending but they would escalate the case again and for me to call back in another 7 - 10 days and the case should be resolved. I called Barclays again onXX/XX/2019 and spoke with a supervisor XXXX - Operator XXXX  who asked me to send copies of my XXXX statements to prove the balance transfer of {$2600.00} did not credit to my XXXX account as their settlement department said they received proof of payment but didn't provide any explanation or additional information. OnXX/XX/ I sent XXXX at Barclay 's my XXXX, XXXX, XXXX Statements from XXXX as well as a page of account activity throughXX/XX/19proving my account was not credited. I called again today XX/XX/19and the case is still pending and they still can not provide me any kind of an update at Barclays and said it would be another 7 - 10 days. Meanwhile I am making payments to both Barclays and XXXX. I notified Barclay 's that I have filed a complaint with the OCC, Colorado Attorney General and CFPB.

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 2019-06-12 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: FL

Complaint narrative:
I've been having Problems with my someone using my identity which has cause me a great deal of stress. I cant understand how this is happening on my credit. I'm respectfully requesting that this idem be removed from my credit. 
thank you in advance.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account opened : XXXX XXXX, XXXX ( 1 yrs, 1 mos ) Amount Due : {$680.00} Credit Limit : {$500.00} Credit Use : 137 % Account Closed : XX/XX/XXXX I have a Capital One Platinum credit card where I make XXXX dollars minimum payment. I recently have gone through hardship due to one of my family members dying and losing my job. I'm also having problems making a few payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
On XX/XX/2019 at XXXX Bayview Loan Servicing again called my work number and I have been fired from my job because of all their calls after XX/XX/XXXX there were suppose to be no more calls and I was told that my number was being removed which it was not and since Bayview continues to break Federal and Colorado Law with calls at work I am now unemployed because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 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: CA

Complaint narrative:
OnXX/XX/19 I refreshed my credit monitoring accounts and discovered again that an unauthorized inquiry was on my Trans Union Credit Report. I submitted to Trans Union on XX/XX/2019 andXX/XX/2019that this inquiry was not authorized and they have still not removed it. Additionally, there are MORE invalid/fraudulent addresses on my Trans Union credit report that keep being added when Trans Union removes the fraudulent addresses. Please remove the fraudulent addresses and unauthorized inquiry as this is the THIRD request for this. I have even written in to dispute this unauthorized inquiry XX/XX/2019 and Trans Union failed to remove the inquiry.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax XXXX  & XXXX after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXX You are reporting Purchased by another lender _ paid in full / was a charge off However Equifax & XXXX  DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
Equifax You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX XXXX . their is no modification inaccurate information. 
XXXX & XXXX Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 XXXX is reporting on 30 day late on XX/XX/2018 This information is inaccurate Equifax is showing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX & Experian after reviewing my credit file I noticed inaccurate Information on all three credit report XXXX XXXX XXXX XXXX XXXX XXXXn You are reporting Purchased by another lender _ paid in full / was a charge off However XXXX & XXXX DO NOT SHOW THAT. Per the FCRA all consumer Information must report 100 % accurate in this case delete this inaccurate Account across Board. 
XXXX You are stating on your report Have been Modified you are not reporting who the account was sold too.. violation of FCRA should be XXXX cred . their is no modification inaccurate information. 
XXXX & Experian Payment History is Inaccurate on this account! 
XXXX you are reporting a 30 day late on this account for XX/XX/2018 Experian is reporting on 30 day late on XX/XX/2018 This information is inaccurate XXXX is showing

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted several disputes to the 3 major credit bureaus ( Experian, XXXX, and XXXX ), as  well as the secondary company XXXX. I know that under the FCRA, they are to properly and thoroughly investigate any and all disputes. I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX records on XX/XX/2019. 

Experian has sent me a letter marked XX/XX/2019, AFTER XXXX ' letter, stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I was again informed on XX/XX/XXXX, after another dispute, that they have verified this erroneous bankruptcy. 

I currently have a CFPB dispute against XXXX and XXXX for the same reason. Experian clearly states on their website that they use XXXX to verify public records. So if XXXX did not and could not verify this account, how did Experian verify it if they use XXXX? This is a clear and present violation of my FCRA rights, and this shows that Experian did not properly and thoroughly investigate and verify the disputed account in question.

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 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
i had a delinquent account with capital one credit card ending XXXX. They sold the account to XXXX XXXX XXXX  and settled this debt to a XXXX balance on XX/XX/2019. XXXX XXXX reported to the appropriate credit bureaus but capital one refuses to update my account and is costing me the ability to finance a house at this time. I have called them several times and they say they no longer own this account. I do understand this process but they still show as a negative mark on my credit report and is affectiing me greatly. All i want is for capital one to show the same activity as XXXX, as it is in regards to the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: CA

Complaint narrative:
LENDING USA ARE AN UNSCRUPULOUS AND XXXX COMPANY! THEY CHARGE ALL OF THE INTEREST UP FRONT WITH XXXX " ORIGINATION FEES '' OVER 60 % INTEREST ON SIMPLE LOANS!!!! 

THEY OVERCHARGED ME HUNDREDS OF DOLLARS OF INTEREST ON A LOAN THAT I HAD FOR ON A COUPLE OF WEEKS. 

PLEASE LOOK INTO THIS BUSINESS XXXX BUSINESS PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/19 a personal loan, account # XXXX from the american express national bank for {$14000.00} was sent to a XXXX XXXX  account that had closed earlier. the funds were returned to American Express and a new loan was to be issued. being a member for 31 years, never a problem before Then XXXX broke loose! my amex account has been suspended for non payment of this loan. credit rating severely impacted Because ... a third party involved in processing payments and refunds lost track of {$14000.00}!! 
American Express accepts blame for something that should never have occurred, BUT say it will take 7-10 days to clear my name, and possibly my credit score won't return to previous level. 
this is another online banking sham, ask XXXX XXXX, they are the pro 's

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 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: MN

Complaint narrative:
Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX  you have no Payment History listed on your report this is a violation of the FCRA! 

XXXX  You are reporting and Ok Payment On XX/XX/2019 Transunion you are reporting a 30 day late on XX/XX/2019 XXXX  Again you are reporting nothing. These accounts are inaccurate therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP CFBP I would Like for you to forward a copy of this Information to XXXX XXXX XXXX at XXXX XXXX HOUSE OFFICE Building Washington DC 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 2019-06-12 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: AES/PHEAA
State: UT

Complaint narrative:
I have been trying to do IDR. I have worked for a Non Profit hospital for XXXX  years. I have asked several times what I need to do to have the loans absolved since I have worked here for that many years. Was never told about the IDR. It was my coworker who helped me last year figure out that i wast on that and needed to be. When I asked about it I got the run around with what form to fill out. Last year I had a payment of XXXX. and they said that they would start my XXXX  year write off time frame from then, even though I've been with my company so long. I recently redid my stuff showing Im still employed and my payment has gone to over {$700.00} and they haven't counted any months towards the idr to write them off. What do I need to do to get that counted towards that or is there any way of going back to my start date to have those absolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi CFPB, I opened checking and savings accounts with CitiBank in XX/XX/2019 with the premise of receiving a {$400.00} bonus if I maintain {$15000.00} for 60 days, and an additional {$100.00} if I receive a direct deposit during those 60 days. I have completed both tasks but have yet to receive my combined {$500.00} bonus, despite reaching out to CitiBank who let me know that this would be deposited " soon ''. I am not pleased with the bank offering this promotion but not honoring the terms of the promotion, could you please look into this and assist if possible? Thank you very much for your time.

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 2019-06-12 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: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
I have disputed the Santander USA account a number of times. The account is more than 7 years old, it has been reported as a closed account more than twice, they vehicle was repossessed and sold by the company 5 years ago, the company has reported the amount of the debt incorrectly more than once, they have included people on the account who have nothing to do with the account. No matter how I dispute the account XXXX just sends back a notation that the account has been updated. And trying to reach a human being at XXXX is impossible. Their automated telephone service constantly malfunctions and hangs up. 

They are currently showing the account as 180 dayspast due because XXXX   infairly allowed them to report this loan as a brand new item after having been previously closed. This now shows as if the loan just began in XXXX, which gives them a new 7 years to report it. 

How in the world am I supposed to have any kind of protection if this company can change the account status from open to closed and back whenever they like? - According to XXXX after 6 years of reporting the account the company was allowed to start the account over as a brand new account within the last 6 months. - If the company is allowed to change the reporting of the account whenever they like and are never held accountable they can keep this account on my report for the rest of my life! 

After repossessing the car in XXXX and selling it for more than the balance of the loan they continue to report the account as if I have possession of the car. It doesn't make any sense to have credit reporting procedures in place if the reporting company does not have to follow them. 

I learned Santander is a foreign lending company after all the crazy reporting began. They are somehow able to know whenever mt credit report improves and allowed to enter more false and misleading information onto my credit report. Thi one company has been allowed to hurt my credit report continuously for over 4 years after they repossessed and sold the car the loan involves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Someone used my debit card to withdraw {$60.00} from my account. I repotyed this as fraud, my bank later decided this was a valid transaction made by me. It was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please be advised that XXXX XXXX , XXXX ( XXXX ) disputes the charge of {$15000.00} under American Express Corporation Chargeback Dispute Case numbers XXXX and XXXX. 

American Express Corporation ( AMEX ) did not properly investigate this dispute, if it had, the case would have been decided in XXXX favor. The documents provided to AMEX by the Merchant, XXXX XXXX ( XXXX XXXX ) under case number XXXX were not relevant to the chargeback case. If AMEX reviewed these documents the conclusion would be been a refund to XXXX. 

XXXX purchased booth space from XXXX XXXX for a 440 squarefoot booth # XXXX at the XXXX/XXXX/XXXX XXXX in XXXX XXXX, California. XXXX XXXX without any notice switched XXXX to a smaller, inferior booth location ( 200 square feet vs 440 square feet ) without any authorization or consent. XXXX filed its dispute with AMEX. 

The documents provided by XXXX XXXX were for an exposition in XXXX, XXXX to take place in the future on XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX rather than the exposition that took place in XXXX XXXX, California, USA, which took place from XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX and was the basis for the charge of {$15000.00}. 

On XX/XX/XXXX, XXXX representative contacted AMEX and spoke with XXXX ( Employee #  XXXX ) who stated that he was a manager at the dispute center ( XXXX ), to inform AMEX that the supporting documentation uploaded by XXXX XXXX was not relevant to the dispute at issue because it related to a completely different exposition, on a different continent, that had not even occurred. XXXX was able to view the deceptive documents and reopened a new dispute. XXXX was sympathetic and believed it was probably just overlooked and they would get it right this time. 

On XX/XX/XXXX, AMEX opened a new dispute, case number XXXX, for the chargeback amount of {$15000.00}. Again, XXXX XXXX submitted the same, misleading and deceptive documents used in case number XXXX. 

On or about XX/XX/XXXX, AMEX, again decided the chargeback dispute in favor of XXXX XXXX. We believe that AMEX did not conduct a reasonable investigation into this matter and is now attempting to collect a fraudulent debt. 

OnXX/XX/XXXX, XXXX again called AMEX to dispute this transaction and to point out the lack of investigative effort by AMEX. XXXX also informed AMEX that it will not pay, or be held liable for this amount, financing charges, or collections charges/attempts until resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for a CD  online with Comenity Bank on XXXX XXXX, 2019. I was given an automated message that my application was denied without further explanation. I never received a letter in the mail with further details. I called the customer service number provided multiple times and each time the representative explained that the decision was made by " the system '' and that no one at the company was given further information information on the decision. They offered to let me re-apply to ensure there were no " errors '' but the system will not allow you to re-apply with the same e-mail address.

Company response to consumer: Closed with explanation