vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for and received a  Barclay Cash Master Card i n or around   XXXX   XXXX  . I have a {$20000.00} credit balance approval. On   XXXX   XXXX   XXXX   I purchased a new automobile and charged {$5000.00} of this purchase on my  Barclay Cash Master Card. It was rejected. I called immedia tely from the dealership to  Barclay Master Card ... .... Barclay Master Card stated that I have been issued a new   card and the  one th at I attempted to use is not valid. I have only had this card for approximatel y five mon ths. I informed the  Barclay Master Card pho ne representative that I have never received a new card nor have I been notified that a new card had been issued to me. I was told by this Representative that the card I have in my possession was not valid. That terminated our conversation. I then used another credit card and my {$5000.00} was accepted The following day I called to make a complaint at  Barclay Cash Master Card.  My phone call was transmitted to a representative regarding my complaint. I explained the above situation to her. She informed me that when I placed my credit card from  Barclay Cash Master Card into the machine to charge my account,, the dealership did   not " follow through '' correctly.. I informed her that I did call on Friday   XXXX   XXXX   and I received a different explanation.. Her only response was that they have a record that I called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a public record Tax Lien that 's showing on my Equifax Credit report only,  XXXX  And   XXXX   investigated and deleted the Tax Lien already.I have disputed the account numerous times and they keep saying they verified it. I have called and talk to someone about it and everything. I continue to tell them that it 's inaccurate I even called the state of Maryland record of deeds which they list as the provider of the account and they said they have n't provided equifax with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a checking account with Bank of America, my card and was used and I did n't realize that my account had closed, I did call to report what had happened with the card and nothing was done and I had got hung up on and transferred to different departments with in Bank of America, I had try to explain that I did n't use my card that it was lost but did n't get the help I thought I would, I got told nothing was going to be done and they were very unprofessional and rude, I did n't appreciate how I was treated, this was an issue to be reported but bad customer service with these different departments, I 'm mad and frustrated with this fact and something needs to be done this has been a while but i do know now I can file a complaint with the cfpd, even going into the branch nobody seem to help I like Bank of America but I do not owe them sense I called to try to report the situation and got stuck with a closed account because of their inability to listen or take my complaint serious please resolve this matter or I will file with other agencies on this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
USAA has repeatedly sent correspondence and called my estranged husband regarding my credit card account. They 've informed him that the account is delinquent, that they are going to charge it off, the amount of the debt, etc. my husband has never been listed on my account with USAA. He 's n ot even listed as a reference. I have never received any correspondence at his personal   XXXX   XXXX     where  they continue to send mail to. They have stopped sending it to me and send it to his   XXXX   XXXX   addressed to me. I fell behind in payments and have tried to work with them to defer payments and work on a payment plan and they have denied me. So I stopped paying them so they would be more willing to work with me.   I have never given them permission to speak to my husband and he has never made a payment on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit score is inaccurate it should be higher. There are old information that should have been removed a long time ago. There are inaccuracies in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I ha  ve disputed the same liens on my report 3 times & each time they said it was mine. I contacted the entity that they listed, and they confirmed by SS # that the accounts were not mine. A simple check of the social security number would have resolved this, the entity said that they may not have even contacted them, just saw the same name on the file & assumed it was mine. Now the credit bureau, Equifax, is telling me I have to prove it myself that it is not mine.
Confirmation # Status Dispute Date Completion Date   XXXX    COMPLETE D  XX/XX/XXXX  XX/XX/XXXX  Open   XXXX   COMPLETED XX/XX/XXXX       XX/XX/XXXX  Expired  XXXX   XX/XX/XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MS

Complaint narrative:
I advised the company   XXXX   XXXX   XXXX   that I was   XXXX   XXXX    and to assist me with  Soldiers Relief Act due to the interest and and fees as of today 's date they have not lowered the fees and interest and sent account to collection without assisting me in this matter. I advised as soon as they had adjusted my accoun t I would start to pay in accordance with the terms of the agreement as of today 's date they have never done that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TX

Complaint narrative:
On  XXXX   XXXX  I submitted a dispute with Equifax regarding inquiries that are reporting and are not inquiries initiated by me. I have called several times only to be told that there is nothing they can do and that it is factual. I asked how can it be factual if I am telling you I did not initiate. The dispute I submitted on the  XXXX  came back the same day stating that it will continue to be apart of a factual record. There is no way possible that Equifax investigated my dispu te in 24hours. I get zero coop eration when calling Equifax. They are suppose to help and listen but before you can get a word out they shut you down. The customer service representative do nothing to help when you tell them that you never initiated inquiries or accounts for that matter. I placed a fraud alert because I did not know all of that information was going on with my credit report. I asked that they delete those inquiries off my credit file and s till in 24hrs it w as investigated ( I DO N'T BELIEVE IT ). They obviously looked at my dispute and said oh well its on there and will stay regardless if she said she did n't know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
My vehicle was repossessed and I tried to contact my lender on numerous occasions regarding the procedures and policies to follow ; to no avail. The company never responded to my inquiries nor returned my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
Commonwealth  financial systems is misrepresenting how old my debt is. The accounts are from  XXXX  and they are listing them from  XXXX  of  XXXX . I 've tried to get them to correct this but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is s tating I owe  XXXX  debts of {$390.00} and {$360.00} for credit card accounts originally with   XXXX   XXXX  . I repeatedly disputed this claim several times via mail for about a year now because this is not my debt and fraudulent activity with this account. I have never signed a contract. I have even attempted to a pay for delete sent certified mail for both account if they agree to delete they never responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXX   XXXX   XXXX   client  XXXX   XXXX  is an identity theft victim ; his information was used without his consent to apply for several credit accounts. These application created fraudulent inquires on his credit reports, the creditors were notified of this activity via a formal dispute as outlined under the FCRA. After disputing an inquiry twice with  Capital One the inquiries are still being reported to the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My parents had their mortgage with Bank of America. Last year my mother,  XXXX   XXXX  and my father,  XXXX   XXXX , both passed away. I,  XXXX   XXXX , have been dealing with Bank of America as the executrix for the estate since that occurred. I received, a t one poi nt daily, calls from Bank of America asking about the intention with the property. Despite my telling them on numerous occasions that we listed it for sale in   XX/XX/XXXX  ( t he month after my father passe d ) they w ould act as if they never had any knowledge of what was going on with the property each time they called. Then, I received a letter from an attorneys office on the bank 's behalf. I sent letters to them also advising them of my involvement and the fact of the sale. I then advised them that we had a contract for sale which was supposed to occur by the end of  XXXX . I sent them a contract extension date for   XXXX   XXXX   XXXX     and despite receiving that, the attorneys office started foreclosure proceedings once they learned of the pending sale. The day that I learned the closing would in fact be Monday   XXXX   XXXX   XXXX    , I called the attorneys office every hour the try to obtain a payoff figure. They called me back the next day but I learned that they day before, they returned the foreclosure complaint to court, thus incurring additional fees and costs despite the fact that they did not have to return the complaint to court until 6 days before the return date of   XXXX   XXXX   XXXX    . This was yet another way to incur unnecessary attorneys fees and costs on this file. The first payoff figure I received from the bank was good through   XXXX   XXXX   XXXX     and had  XXXX  attorneys fees and court costs. The second payoff figure I received which was good for the   XXXX   XXXX   XXXX     closing, a mere 10 days later, suddenly included {$3500.00} in attorneys fees and costs. We took the first offer we got on the house to get it sold, so the estate was not netting much money anyway and now, that money is being paid to an attorneys office for work that was unnecessary and seemingly unethical. Pursuing the foreclosure action at this late stage was actually harming their client 's interest because a sale date was already in the works. This was not a situation where I simply defaulted on my mortgage. My parents passed away and I did the best I could to get the house sold as soon as possible and to keep the bank apprised of that along way. They extended no courtesy at all during this entire process and have now taken what little money the estate was going to get from this sale to pay an attorneys office to do a job they did not need to do at this late stage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX Dob XX/XX/XXXX Transunion will not remove the unauthorized inquires from my credit report. It has been over 60 days and they have ignored my request to prove that the inquires were authorized by me. I sent them a certified letter with return receipt dated XX/XX/XXXX to remove the unauthorized inquires and it has not been done. this is hurting my good credit!!!!!! see copy of certified receipt attached and see list of unauthorized inquires below. I DEMAND THAT TRANS UNION REMOVE ALL UNAUTHORIZED INQUIRES FROM MY REPORT!!!!!! XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I 've been having trouble with false information and negative interactions with Navient phone operators. I set up a payment to be made  in  XX/XX/XXXX and for some reason it was never taken out. I did my part and yet it was still never taken out. Then my cosigner started getting threatening calls even though I was told that she would not be contacted anymore since I had started a payment plan back in  XX/XX/XXXX . She  paid some towards the loan and yet the phone calls did not stop. Yesterday I received a call while at work so I was n't able to answer it and it went to voicemail. On the voicemail that I have saved on my phone, the operator did n't realize she was leaving a message and can be heard mocking my lack of payment with a co worker. Also yesterday I spoke with a woman who gave me good, but confusing, information and said that I would need to call back to make a payment since I could n't make one within the next two weeks but that the phone calls would stop for a week. This morning I received a call from a very rude man who would n't acknowledge the fact that I had spoken with someone yesterday about this very topic and that she said the calls would stop.     Needless to say, this is a very stressful situation and I 'm becoming very annoyed with the treatment I 've received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On   XXXX     I sent Transunion,  LLC  about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file via certified mail. The delivery record shows that this item was delivered on   XXXX   XXXX   XXXX     at  XXXX  pm.I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Transunion has not provided me any requested documentation and it has been well past the 30 days that they had to respond to my request. I 'm requesting the immediate deletion of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong account ( s ). Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX    who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: MD

Complaint narrative:
Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.

Company response to consumer: Closed with explanation