vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 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: FL

Complaint narrative:
Ever since the renewal date of my XXXX XXXX Card in XX/XX/2018, I've lost all benefits that's advertised on the card including Free first checked bag, 10 % points back rebate, and other benefits. I've contacted Barclays by phone and secured message MULTIPLE TIMES in the past three months and they recognize the linkage error but blame it on XXXX. I've also spoken with XXXX even going as far as doing a conference call with Barclays together, and every time they said they'll fix it nothing has been done. Basically Barclays is supposed to pass the information to XXXX but Barclays never updated the system for me. I've lost many points back rebate due to this and had to pay baggage fee multiple times with me and my companions.

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 2019-06-01 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:
XXXX XXXX XXXX XXXX has re-aged a debt on my credit reports. On XX/XX/XXXX, I received a copy of my report from Equifax with a " date of first delinquency '' reported as XX/XX/XXXX. Yet, the debt remained after the 7 years were up. After several direct disputes and disputes with the credit bureaus, the account was deleted from all three of my credit reports. 
Recently ( and without notice ), XXXX XXXX XXXX XXXX re-aged the debt and added the account back to my Equifax credit report. I disputed the account with a copy of my original Equifax report dated XXXX XXXX as proof that the previously reported date of first delinquency was XX/XX/XXXX. This would mean that this debt is now obsolete. Yet, Equifax responded with an updated copy of my report dated XX/XX/XXXX which shows this company has changed the date of first delinquency to XX/XX/XXXX which is incorrect! 
This company is deliberately violating the Fair Credit and Reporting Act in an effort to keep this negative account on my credit reports. 
I have attached copies my credit reports from XX/XX/XXXX and XX/XX/XXXX as proof that the XXXX XXXX XXXX XXXX has re-aged this obsolete debt. 
If this obsolete debt is not deleted from my credit reports, I will contact the FTC and my attorney general due to multiple violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
I am filing this complaint in regards to a debt that I had previously dispute directly with XXXX XXXX XXXX ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from XXXX XXXX XXXX. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint in regards to a debt that I had previously dispute directly with MIDLAND FUNDING LLC ( XXXX XXXX ) ACCOUNT WWR # XXXX. I never received a response back from MIDLAND FUNDING LLC. I HAVE HAD SOME ISSUES with Fraud that are still being addresses. I am in the process of filling a FTC ID theft compliant at this time. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
We claimed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, we applied for and were approved for a Synchrony Home card of {$3500.00} to be used for home repair. We used the card a couple of times to purchase flooring on a zero interest plan. Every payment was made on time or early and the account was fully paid in XX/XX/XXXX. In early XX/XX/XXXX, I received an email that we were issued new cards to be activated. I received the cards in late XX/XX/XXXXand when I called to activate them, I was told that Synchrony closed my account. I have read my cardmember agreement and understand that my card can be closed at any time. Considering that I have a perfect credit history with Synchrony and in general ( 0 lates in the last 4 years on anything ) I asked the representative if I could have my account reviewed for reinstatement. She connected me to a supervisor that said she would submit a complaint to the complaint department but could help me no further and to follow up with them. On XX/XX/XXXX, I called again and asked to be transferred to the complaint department. The representative instead transferred me to a supervisor who would not transfer me to the complaint department. I explained the situation again, and the supervisor would not transfer me and simply stated that they reserve the right to close my account for any reason at any time. It appears that Synchrony does not want to do business with me for some unknown reason, and I grudgingly accept that. However, taking the human element out of account review and closing my account has significantly damaged my credit score that I have been working so hard to repair.

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 2019-06-01 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:
Experian fraud investigation fails to properly identify and fix an error in reporting a Collection. I clearly stated that I have never lived in the City, State where the transaction allegedly took place, but Experian fails to correct the error in my credit report.

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 2019-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing purchased my second position mortgage in XX/XX/XXXX. I have been making extra payments to principal since that time. SLS seems to be charging excessive interest since this time, as my current balance is much higher than it should be. I have called SLS and talked to XXXX ( 3rd level ), XXXX and one other person on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, these employees promised a cash analysis ( showing how my payments are recorded by SLS and how interest is charged ) would be sent to my home address within 5 business days. I have not received any such document from SLS as of XX/XX/XXXX. I will pay off the mortgage immediately ( as I don't trust SLS ) but the balance is much higher than it should be do to excessive interest charged by SLS and they will not show any justification. I attached tax statement documents from them that show erratic interest charges. Such as {$2100.00} interest paid in XX/XX/XXXX, {$0.00} in XX/XX/XXXX ( no document sent to me for that reason according to SLS ). {$1500.00} in XX/XX/XXXX and then {$6500.00} in XX/XX/XXXX. These widely different interest paid amounts on these tax statements make no sense. SLS is cheating me and then lies to me on the phone when I ask questions of them.

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 2019-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
On or around XX/XX/2019 I deposited {$4000.00} in my Kia Finance Lease account to be used for monthly lease payments for the following year ( 12 months ). I transferred the money via an ACH payment from my checking account around that date and informed them that this money ( credit ) was to be used for monthly lease payments. Kia Finance could not figure out what that {$4000.00} was for and continued to draw money for the lease payment from my checking account ( {$330.00} ) instead of using the {$4000.00} credit on my account for payments which I instructed them to do. After realizing they were to XXXX to figure out what that money was for I requested they refund that money back to me. I was informed that they would only issue a check and that it would be 16 days. Four ( 4 ) + weeks have gone by and still have not received my refund. I have called these XXXX and have been told it will take time. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: DISCOVER BANK
State: FL

Complaint narrative:
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX   and XXXX from a unknown companies such as Discover Financial Services, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage has requested numerous documents over and over again at one point they claim they have every document to complete a loss mitigation package. 
Either you get a request for the same documents or something that you sent to them months ago. 
One explanation for denial of the loan modification was the loan had exceeded the numbers of modifications by the investor. 
Another explanation was that he did not have enough income,15 full loss mitigation packages have been submitted to Carrington Mortgage and they have requested at least 30 other documents to go with the package. 
Representatives call Mr. XXXX requesting more and more documents they even advise him to send documents that they did not request. 
For example : one agent called him and asked for documents that were submitted at least three times before and Mr. XXXX received a proposed social security benefit letter for a sum of money. He followed the advise and then they tried to verify the benefit he does not have it yet because he is not old enough to receive it. They had an auction date scheduled for his home and they just played a game with him and then told him that the sale date was too close and he did not have a completed package so the sale could not be stopped. 
Carrington rejected his 4506T because he did not have XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Missouri XXXX - XXXX They never gave him that information before. 
He spoke to XXXX, XXXX to name a few. They pass the call from one to five people on each call. Mr. XXXX wants to save his home! Please help him

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have made several attempts to rectify this situation. I have disputed with the credit reporting agency and the creditors. I have contacted the credit reporting agency by phone and I have sent disputed letters to the creditor on XX/XX/2019 and on XX/XX/2019. The Creditor reports that I have a past due balance of {$3700.00} as of XX/XX/2019. The account is listed as Collection/Chargeoff on my credit report. There can not be a past due balance if the account was settled and charged off. The {$3700.00} is being reported as 64 % of my credit usage. That can not be accurate if the account is closed, settled and a charge off. I have also contacted the creditor asking for documents or a contract bearing my signature for verification that the account belongs to me and have yet to receive that. They have only sent me copies of a billing statement from an address I have never resided. The creditor also made a hard inquiry on my credit report without my authorization on XX/XX/2019. I did not apply for credit with their agency and do not have an account with them therefore they had no right to pull my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, a check was requested for the balance in my Venmo   account, now closed. The amount of XXXX was left as remaining balance at time of closure, it is now XXXX and no check received. A close out check was requested for a prior Venmo  account, which was sent right away. In this case, it appears Venmo/Paypal is stalling on the matter, it is almost a month since they supposedly requested the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX  and XXXX from a unknown companies such as XXXX XXXX XXXX, Citi Cards CBNA, XXXX XXXX, XXXX XXXX  and XXXX   XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

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 2019-06-01 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
Upon checking my credit report on XX/XX/2019, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have an issue with XXXX XXXX/ consumer relations acknowledging information reported erroneously on my file. I disputed the following acct ; XXXX XXXX XXXX account number ending # XXXX back in XX/XX/2019. The account was showing a negative balance. After disputing the account with XXXX XXXX, the account now reads paid in full. I disputed the account as inaccurate, I never owed XXXX XXXX XXXX any financial compensation. I explained this issue to XXXX XXXX, However, the account is still showing on my report. I have been unable to obtain a new bank account due to the false reporting on my file. I recently receive letter from XXXX XXXX XXXX which excludes from this account. I forward the letter to XXXX XXXX   earlier XX/XX/2019. The letter indicates that the account should be removed from my file. I never paid XXXX XXXX XXXX, because I never owed them any money. Ironically, the account now reads paid in full after I disputed with XXXX XXXX.I have enclose a copy of the document receive from XXXX XXXX XXXX dated XX/XX/2019 for the removal of this account. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this matter resolve. I have not been able to open a checking account due to XXXX XXXX   allowing this false and erroneous information to remain on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XX/XX/XXXX, Regions and XXXX  XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.

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 2019-06-01 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: SC

Complaint narrative:
I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. XXXX in XX/XX/XXXX, SC tax payers breach in XX/XX/XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Transunion explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the USA and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.

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