vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Hunter Warfield reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.

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 2021-12-10 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I had XXXX charge me from my XXXX year old daughter 's phone. These charges were not authorized by any adult> Neither XXXX nor Barclays would credit these charges. 

Transaction Date Description Category Amount XX/XX/2021 XXXX XXXXXXXX  - {$30.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$29.00} XX/XX/2021 XXXX XXXXT - {$57.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$55.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX - {$77.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$44.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$27.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$26.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$53.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX  - {$53.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX  - {$31.00} XX/XX/2021 XXXX XXXX {$67.00} XX/XX/2021 XXXX XXXX {$74.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXXXXXX {$42.00} XX/XX/2021 XXXX XXXX {$42.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$36.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX  - {$10.00} XX/XX/2021 XXXX XXXX  - {$15.00} XX/XX/2021 XXXX XXXX - {$40.00} XX/XX/2021 XXXX XXXX  - {$31.00} - {$1600.00}

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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
earlier this year I was impacted by COVID. I paid and settled one account with XXXX XXXX, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a XXXX I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not disclose that there may be a wait period for an approval on the credit card. I would not have signed up for the credit card if I knew there was a wait period. After I submitted the application, the sales agent from Bank of America, XXXX from XXXX, FL told me that there would be a waiting period. 

At this point, I asked to cancel the application and XXXX responded that it was too late and the application could not be cancelled. XXXX stated that I already gave consent, however I would have NOT given consent if I knew there was a waiting period. 

If Bank of America Sales Representative, XXXX had disclosed the waiting period I would not have given consent and I would not have signed up for the credit card.

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 2021-12-10 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: PA

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize THIS STULENT LOAN. The account is : US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This matter began XXXX, XXXX, after requesting a new Natural Disaster forbearance with my loans held by Navient. Please contact me urgently regarding this matter, I am filing a grievance today with the Consumer Financial Protection Bureau, as Navient has requested unethical information of me to process a Natural Disaster Forbearance after suffering from California Wildfires & floods in XXXX & XX/XX/XXXX ( XXXX XXXX XXXX XXXX, respectively ) ; with no right or reason to run a credit check for requesting a Natural Disaster Forbearance on my loans. No other lender has done this at any point in time, and this is highly unethical and quite plausibly, not legal. 

Additionally, I am not requesting credit, and my credit state is very poor due to the long term hardships experienced both with COVID and current Natural Disasters in California, which has severely affected my income. Further, Navient and its representative  XXXX XXXX, has outright refused on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to contact me via phone to resolve this matter after multiple urgent requests. As my co-signer is my retired, XXXX father whom has been extremely XXXX and XXXX with XXXX, I will include this in my complaint with the CFPB as Navient continues to neglect me and my requests for immediate assistance via phone. Navient continues to change the terms and requests of me via only email communication, and a Natural Disaster Forbearance does not require a credit check. I have provided all requested information to Navient regarding the need for this time urgent Natural Disaster forbearance and how it has affected me financially and medically, and Navient continues to attempt to change the terms of applying this previously promised Natural Disaster forbearance. 

This matter remains unresolved by Navient, and I request immediate assistance with this matter, as XXXX XXXX XXXX Navient Executive Team refuses to phone me to resolve this matter. Navient has no reason or right to run a credit check for a Natural Disaster forbearance, which is Federally regulated based on Natural Disasters, which I have experienced at this time with severe impact to my health, income and ability to repay my loans at present. As such, please contact me urgently to aid in the resolution of this matter and ensure that my loans are placed in a Natural Disaster forbearance as previously promised me, and as requested due to the nature of the Disasters I have experienced and noted in great detail with Navient. This matter remains time-urgent, and I thank you kindly in advance for your immediate assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2021 2 of my USB cards were charged from XXXX {$150.00}. On XX/XX/2021 I received a credit for {$150.00} which I believed to be from XXXX on acct ending in XXXX. However on XX/XX/2021 USB reversed the credit for {$15.00}, stating it was theirs. However on my XXXX statement, it shows they sent the money back to USB on XX/XX/2021 conf # XXXX, which they say they refunded to the card ending in XXXX, replaced by XXXX on XX/XX/2021 by USB. 
As of XX/XX/2021 none of my credit card accounts have shown/refected the refund by XXXX, and all XXXX reps from USB I have talked to are unwilling/unable to help. They spent a month doing research and now are in fact keeping funds that were meant to be refunded to a my account. 

Needless to say this is common practice by USB fraud department, were they appropriate funds that do not belong to them and hold them for any period of time without a resolution. In this case complete refusal to even look into the conf # provided.

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 2021-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
I called Mandrich Law on XX/XX/21 and spoke with XXXX he refused to provide the settlement letter in writing unless I provided my bank account information and authorized a posted dated payment for XX/XX/21. I advised that I don't have a bank account and planned to send certified funds, but I needed a settlement offer letter for my records. I explained that I had a hardship of having wages garnished for child support and back child support which was already exceeding the maximum federal limit for withholdings and I was calling to resolve the account with a possible settlement but Mandarich would not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 was the primary signature on a lease agreement for XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Mo. The leasing company uses a number of company names to conceal the true identity of the principal owner ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, et al. The lease agreement ended on XX/XX/2020. I met the obligation, giving XXXX days notice to terminate the lease on that date and all monies due on termination, were paid by me. My son, who was the secondary signature and the person living at the apartment, sought, through verbal agreement, to extend his stay until XX/XX/2020. The lease agreement clearly states that management has no authority to amend the agreement unless it is in writing. When I became aware of the verbal agreement, I immediately contacted the apartment management, in writing, informing them that I was not party to this extension, and that any rent due from XX/XX/XXXX to XX/XX/2020 ( {$800.00} ) was a matter between XXXX XXXX XXXX and my son. My son did not meet this payment obligation. The Apartment Management in turn, billed me for the outstanding rent of {$800.00} and, when I refused to pay, they sent the bill to the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX reported my non-payment to the credit agency, Equifax, who in turn lowered my credit rating ( XXXX  ) from XXXX to XXXX. 
The unmerited actions by XXXX XXXX XXXX and XXXX have damaged my credit reputation. I have provided XXXX and XXXX with full details of the case. Both XXXX and XXXX have used intimidation tactics hoping that their shakedown methods will bring me to my knees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, and I'm sending this complaint by myself. I'm not swayed that the Bureaus and creditors were efficiently pleased with the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : WELLS FARGO XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1400.00}

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 2021-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/21. someone takes money out tht wasnt me the. im flat broke XXXX dollars then my bank changes my account numbers XXXX they basically freeze mu account to deposit only because they said they was just giving my money out then XX/XX/21 they applied for sum credit or loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The XXXX and XXXX Credit Bureau are reporting inaccurate information on SYNCB/SAMSDC with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal 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 2021-12-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TX

Complaint narrative:
I spoke to Experian regarding one of the fraudulent info on my credit report and they are not deleting

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXand stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I used my XXXXissued XXXX card to purchase a travel vacation from XXXX on XX/XX/2021, for specific travel dates valued at {$840.00}. While buying the package, the agency ( XXXX  ) told me that the dates were available, and I sent them all my credit card details and signed the forms. But after the purchase, they told me the dates were unavailable and asked me to travel on different dates, which I refused and asked for a refund which they agreed to ( attached email confirmation ). But they never refunded the money. I contacted Citibank and disputed the charge. I provided all information indicating the vendor agreed to refund but never did so. After months of back and forth, I provided all the documents that Citibank asked me, and It seemed to me that I convinced them that I deserved a refund. But on XXXX, Citibank sent a letter ( attached here ) saying that " unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I contacted Citibank again, and they could not give me any refund saying they were unable to contact the Vendor from where I purchased. My request to speak to their manager got denied, saying they could do nothing more. I feel that I deserved the refund, and {$840.00} is much money and our family vacation budget for this year. Would you please help me get a refund? Thank you! 
Sincerely 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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The debt that was owed by Portfolio Recovery Associates is still being reported on my credit report by all XXXX credit reporting agencies. All debts have been paid and were supposed to be deleted from the credit reporting agencies. I am attaching proof from portfolio recovery that the letter in the mail states that all items should be deleted but have not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation