vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Barclays US - I signed up for Barclays last year under a XXXX point sign up bonus under which I am to spend {$5000.00} in the span of 3 months to receive. 

However, Barclays negligently mishandled my account and applied the WRONG social security number onto my account. We found this out about 2 months in. At which point Barclays LOCKED my account. 

-I had no access to my account, no access through the website and virtually no access to the account through the phone. 

During this time, -I can not use the card -I can not make payments to the card However during this time, Barclays continues to charge me late fees on an account I am not allowed to access or make payments to. 
I submitted all required forms of verification documents, including drivers license, social security card, etc. 
I submitted all such documentation approximately 5-6 times through the fax numbers provided by Barclays. Barclays took an exorbitant amount of time to solve the issue they created when one of Barclays employee 's mishandled my account and it's social security number. 
During this time I incurred late fees totaling : {$170.00} After the account was restored to normal status. I am left with a {$170.00} charge in late fees, the accompanying late payment reports on my credit report, destroying my credit score of over 800, and Barclays refuses to give me the XXXX points which I did spend over {$5000.00} for, after access to my account was restored. XXXX points is equal to {$700.00} in direct value and can be worth over {$1000.00}. 

Barclays messed up and charged me money for it.

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 2020-06-23 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: GA

Complaint narrative:
An account is reporting to my credit profile that is NOT linked to me. The collection agency informed me that the account was opened under a business that I am NOT linked to.

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 2020-06-23 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: Synovus Bank
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Progress Card XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Acct # XXXX To Whom It May Concern : First Progress Card is destroying my credit on a secured card and reporting incorrectly after several letters to correct their error thereby causing me credit denials. 

I have never owed First Progress Card any amount of money, I started with a secured card and called them to cancel within few months which they agreed. 

Upon further investigation, I have retained new copies of my credit reports and noticed that First Progress Card did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I took a secured card from your company with an amount of {$200.00} which I paid. I later called to let your company know I am no longer interested and as such, I requested my balance back which is {$110.00}. Yet your company refused to refund my money and put a charged off amount on my account by claiming I owe {$84.00} which I never did and has such destroyed my credit making it impossible for me to secure credits. Your reporting has been inaccurate and this will be my last registered letter before I file a small claim lawsuit if this issue is not resolved. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NV

Complaint narrative:
On XX/XX/XXXX the complaint with I can not spin regarding it a transaction on my account books I did not authorize. Inform that's been a the transaction and that it was not me and that I filed the police report. During The dispute process the representative informed me that they would be contacting vsa, and the ATM the company that owns the ATM. I then had to wait 20 days, 20 business days Before I was eligible for an update on the dispute. So tueni business days had passed and I called nets been, and they decided that the outcome should be that there was no air. I asked how they came up with that decision they said they would email me the documentation and that was it. So I've been trying since XXXX a face to rectify this with that thin I've been calling almost every day for 2 weeks trying to get this rectified. I have called numerous times for several days since XX/XX/XXXX until today which is XX/XX/XXXX they have been promising me that someone from the corporate office would contact me that has not happened since XXXX the says come out they have promised me that someone from the complaint department will contact me and it has not happened. So now I am done trying to rectify this would nets then so I'm going XXXX follow complaint with the consumer financial protection bureau hopefully I can get some assistance and resolving this issue.

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 2020-06-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX XXXX  per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX  since XXXX. I Moved to XXXX  in late XX/XX/XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX  XX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX  for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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 — Was not notified of investigation status or results
Company: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

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 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a late fee and interest charge payments from Capital One in XX/XX/2020 after submitting a payment two days after it was scheduled due to unforeseen circumstances related to the COVID-19 pandemic. I contacted them to explain my situation and they declined to waive the fees and instead directed me to a debt collector ( after I already made my payments ) when I asked for more information and to get reassurance that I would not be charged fees again. I closed my account based on their lack of transparency and poor customer service. I paid the fees, and my next statement in full before it was due. I received another interest charge this month in XXXX. When I contacted the customer service to send me the information in my statement to justify the fees - they said they could not - and when I asked to file a formal complaint - they said there was no way to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
Summary of my complaint : I believe my first time use of MoneyGram service was in mid XXXX and had no problems with their service.. I had established a relationship with a XXXX  lady in XX/XX/XXXX and I visited her in XX/XX/XXXX and she visited me in the US in XX/XX/XXXX We are both XXXX y.o. adults. As I planned another a second trip to XXXX in late XXXX, and was planning to stay 3 months, I knew I would need a larger sum of money to live on. I went to my local Walmart, as I did before, and asked to wire, I believe, about XXXX or XXXX XXXX dollars to my female friend so it would be there when I arrived. When she went to receive the money I had wired, they refused to release it. The MG office in XXXX told her I would have to contact their Minnesota office for an explanation. I contacted their office and was told they blocked the transaction because they didn't feel comfortable with an American man sending the money to a XXXX  lady. Needless to say, I was disgusted for them making an unwarranted decision, without any history of fraud on my part, or hers! I ended up having my brother wire the money to me when I arrived. I have attempted to wire money using MG 5 or 6 times since, and regardless of the amount, they have all been rejected. Why? I ask. In one call to their office in Minnesota, I was told it was a computer issue that he couldn't change, but it would probably go away if I didn't try wiring for a couple weeks. That didn't work either! Essentially, I have been " black balled '' from wiring money to this lady, for no legitimate reason! They have absolutely no evidence of fraudulent abuse from me, or her. Whenever their computer system identifies me sending money to her, the transaction gets blocked! I have every right to file this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

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 2020-06-23 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:
I recently looked at my credit report and noticed a fraudulent medical collection. 
account is : XXXX  XXXX medical collection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: VA

Complaint narrative:
I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

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 2020-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Several creditors were included in my bankruptcy these creditors are still being allowed to on all three bureaus report late payments on old debt. It has been 4 years since my bankruptcy and each of the three credit bureaus has denied me accuracy in reporting. This has resulted in me now having unstable and unreliable credit history. 

Further more I had an identity theft situation occur I provided proof of this to creditors directly as well as gave notice to all three bureaus. unfortunately they still have not resolved these inaccuracies. 

The dates and account creditors vary : XXXX 3 different accounts All three credit reports. Various balances. 
XXXX XX/XX/XXXX {$280.00} Possible Finance XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX {$1700.00} I.C. XXXX XXXX XX/XX/XXXX {$6.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Never even explained why they placed on file. Just did and when I challenged it they removed the balance but left the account on my report. 
XXXX XXXX XXXX XXXX {$0.00} Various Inquires listed from dealerships Failing to notify me that they were running credit pulls and then allowing others to pull addition. Has left my inquire history unstable. My Credit is just all over the place due to horrible management by the 3 bureaus on validating these debts.

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 2020-06-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: OK

Complaint narrative:
XXXX XXXX VS. RMS XXXX, TX XXXX # XXXX ON XXXX XXXX XXXX XXXX. XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ON XX/XX/20 RSM RECEIVED A PACKET OF INFORMATION CONCERNING OUR LOAN. WE HAD NOTICE A ERROR ON THE SIZE OF REAL ESTATE XXXX ACRES VS, XXXX ACRES. I CONTACTED THEM ABOUT THE ERROR AND SENT TO THEIR ATTENTION A SURVEY SHOWING THE TRUE SIZE OF THE RESIDENCE. THEY SAID IN A RETURN EMAIL THAT THEY NEVER GOT THE MAILING DESPITE THE FACT THAT IT WAS SIGNED BY THERE MAIL ROOM PERSONEL. SEVERAL PHONE CALLS WERE MADE TO THEM WHICH THEY THEN REQUESTED THE " LEGAL DESCRIPTION '' ( WHICH WAS ON THE SURVEY ). THEY SEEM QUIET SHORT WITH ME & RUDE WHEN QUESTIONED AS I HAVE A BUYER FOR THE PROPERTY AND ALSO WANTED TO PAY THEM TO CLOSE THE LOAN. I WAS TOLD IN AN EMAIL IN ORDER TO GET A " PARTIAL REAL ESTATE RELEASE '' I NEEDED TO SHOW PROOF THRU A SURVEY THE SPLIT OF RESIDENCE VS. PASTURE. I SENT 2 MORE XXXX DELIVERYS TOTHEIR ATTENTION. I WAS INFORMED THAT A " XXXX '' SUPERVISOR WOULD BE CALLING BUT DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX my Bank of America card was charged {$64.00} for a XXXX XXXX XXXX controller that I did not order from XXXX. I found out about it because I received an email stating my order was on it's way. I called Bank of America and when I called, they also asked me if I had placed another order for a larger order of ( 4 ) controllers. I said no and they stopped that order. I filed a fraud charge and removed my credit card from my XXXX profile and also changed my password. 

Bank of America did give me a refund, but on XX/XX/XXXX reversed that refund. I still have the package unopened and I do not want it, did not order it and want XXXX  to pick it up. 

I have tried to call both XXXX and Bank of America several times and just get pushed around to different departments and put on hold to never get to the right person. Just today I was on hold with both companies for 1 1/2hrs.

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 2020-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I called to verify a debt XXXX that was on my credit at one time {$630.00}. But it is no longer on there. I disputed it before and found out the debt was sold to Midland Cred. I  called today on XX/XX/20 and Midland Cred told me I was not obligated to pay. I told them what of I wanted to pay the {$630.00} in full today. Midland Cred stated I was not obligated to pay anything due to the account was closed. The company stated they will send me a No Obligation Letter in 7- 10 days. I told him I needed the letter asap could they send it another way. They stated mailing was the only way. I told him I need the letter asap to give to my employer. They stated I could place my employer on my account so they can access it. So I placed my investigator name on account so she can access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet Transunion, XXXX  and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by Transunion, XXXX, and 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 2020-06-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with Equifax, XXXX, and XXXX  and yet XXXX, Equifax and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

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 2020-06-23 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: VA

Complaint narrative:
I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.

Company response to consumer: Closed with explanation