vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results. 
I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020. 

I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ). 

We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times. 

This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties. 

Thanks for understanding. 

Regards, 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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am a federally protected consumer and BestBuy has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

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 2020-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I checked in to the XXXX XXXX XXXX in XXXX XXXX California. around XXXX. I made the reservation about a week in advance using my Capital One Credit Card ending in XXXX. About an hour later my family and I left the hotel to get something to eat on the beach. We left the TV on, turned on the Air Conditioning and locked the patio door. We returned about XXXX minutes later and noticed the TV and XXXX were both turned off and we were saying that we were sure that we left them on. So we turn them both on again and leave room again. We return an hour later and they're both turned off again and patio door is cracked open this time. I call down to the office and ask is Tv and Ac on a timer because I left them on twice only to return to my room and they are off and the sliding door was opened by someone. He told me not to worry about it as long as everything worked I should be happy. We immediately packed our bags gathered our kids and went down to desk to return key and left out of fear for our safety and fear of catching CORONA VRUS.  he no explanation or options. I called Capital one around XXXX the same day 3 hours after I checked in and voiced my concerns and to open a dispute because I was only there XXXX hours and feared for the safety of my family and they told me they understood and would take care of it. A month later capital one sends me an email agreeing with the Hotel that I should pay XXXX for the 2 day stay. I thinks that it is wrong for Capital One would've rather me put my family in harms way especially at a time like this amid the Pandemic and so much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I have store credit cards through Comenity Bank. They continuously decrease my credit amount resulting in decreasing my credit score. When I get my balance paid down, they decrease my credit amount which decreases my credit score by increasing my credit to debt  ratio. They have done this to me on many occasions. I have called them raising concerns, but they tell me it is due to my low credit score which is actually is a result of their actions. This is not right. I have worked hard to try and increase my credit score, but they have made it impossible by their shady practices. If I could do it all over again, I  NEVER would have opened these accounts with Comenity Bank if I knew how they conducted business. I can't wait to pay them off and close all of my accounts. BEWARE OF THIS COMPANY. They will rip you off and destroy your credit. In addition to the bad practices mentioned above, they will call you 10 times a day from 4 or 5 different phone numbers if you are even one day past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am a federally protected consumer and CAPITAL ONE has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card has been statements along with private and confidential information to an address in XXXX ILL that does not exist. Discover card is also reporting this address to the credit bureaus and is seriously impacting my life and my families life.

Discover is committing a federal crime by sending my information to the address in XXXX Ill. How this managed to happen, Discover card will not tell me and they have total disregard for the issue. Discover card says well you opened the card and the debt is valid which is once again, a total disregard for them sending statements to a XXXX address that does not and has not belonged to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is the third time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee.

My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in XXXX XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX/XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC
State: RI

Complaint narrative:
I submitted a complaint just the other day and the companies response is the same as it has been since I started this. They keep telling me to contact the " client '' which is XXXX XXXX. XXXX XXXX   sent me a packet which I filled out and mailed back as well as faxed over to them back in XXXX. This is completely unacceptable response. XXXX XXXX needs to get their stuff together and organized and this company needs to remove this false information off of my report immediately. I have kept records of all the information and letters I have sent and ready to file legal action if it is not removed promptly. I've attached the fax I sent as well as the previous complaint response below : Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NRA Group , LLC has received this complaint. The consumer was advised to fill out the dispute packet and mail it back to the client. We provided them with this packet and billing on XX/XX/2020. The consumer will need to fill out what we sent them, follow the instructions and mail back to the client. Per the client the {$90.00} is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I called them. Told me closed account due too inactivity. But it's a credit for dental office. Did not use credit due too corona viruses and offices closed at that time. They hurt my credit score. Like them too remove closed account. Or give me the credit back. I'm on XXXX going thru hardship too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have PHH for our mortgage. We pay our property taxes in escrow with this company. 

XXXX XXXX in CA made a mistake with our property taxes last year. Our taxes were erroneously increased ~50 %. PHH raised our mortgage payments over $ XXXX/mth to take care of this " apparent '' tax shortfall. 

We have reached out to PHH. They acknowledge that we have overpaid our taxes. We have been waiting for more than 5 months to get our money back. Everytime you call you get lots of apologies but never a refund check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was approved for a forbearance on my home equity line in XXXX. Since I paid my XXXX payment I asked them to start in XXXX. According to the papers sent they said it would not be reported to the credit bureaus as late, it will be reported as current. Upon checking my credit they did report as late and my score went down 100 points. I have written to TD many times and i get no response. This is very disturbing for I am XXXX year old and always had excellent credit. Now with this report I will not be able to buy a car in the future ( I am driving a 6 year old car now ) nor get another mortgage and many other things. I was so upset about this I brought the account up to date in XXXX but I need TD to correct the credit report. I am including the approval letter which indicates that it will be reported as current also including a letter I sent to XXXX   where I was able to get a free copy of my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Several letters were sent out to Eperian credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Accounts, LLC
State: PA

Complaint narrative:
I previously sent a CFPB complaint about this collection agencies communication tactics, basically that this company will not transfer you to a manager and rather would just hang up on you. Last week I filed a CFPB complaint requesting validation of the account and requesting a cease and desist. Capital Accounts mailed the attached letter to me, stating enclosed is the itemization you requested, however, this letter did not include validation, but rather a blank document with the QR scanner square in the upper right hand corner. This does not constitute validation, this letter does not have the MRD Call may be monitored or recorded.. on it either, nor is there return information. I called to speak with a manager, XXXX XXXX laughed at me and stated that he doesnt believe his company did anything wrong and that I can see why my collectors hung up on you ; these are not professional statements and this manager should be fired for incompetence. Consumer request validation and your staff should understand what to do and how to mail documents. 

Pair the fact that they hang up on consumers when requesting validation and then when there are issues with the documentation they sent, you cant even get them on the phone ; this company should be put out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have requested that Experian correct my XXXX XXXX XXXX account since XX/XX/2020. I requested Experian reach out to XXXX and confirm that the information being reported was not current. Experian continues to partially investigate this account and states the previous investigation was valid when it is not. This is restarting my 30 day dispute timeframes and causing unnecessary calls and repeat disputes online. Due to this information not being investigated and updated properly, I was denied a loan in XXXX and gained two hard inquiries for no reason. I have made Experian aware of this behavior, submitted proof and called again on XX/XX/2020. XXXX is barely reporting consumer information because of the pandemic but if information from the company is submitted as proof it needs honored. Today, when I called, I was met with a generic, rude response. I am thankful that the other long term issues on my credit report have been resolved but the XXXX account needs to be updated 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 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2020, I made a significant payment on my citicard. I paid XXXX dollars on a XXXX dollar limit. On XX/XX/XXXX, Citibank reduced my limit to to XXXX dollars resulting in an increase in utilization. I have never made a late payment. After making a good faith effort to pay down this card, they reduced my limit significantly which resulted in an adverse effect on my credit score. On XX/XX/XXXX I asked them to reinstate my credit limit and they declined and would not provide me with a reason. They had me speak to a manager named XXXX from XXXX who barely spoke English and repeatedly said that she had no additional information. This is unbelievably unfair. I deserve an explanation. I deserve to understand why after making a XXXX dollar payment that my credit score was actually adversely impacted. Every person I spoke to could not speak English well  enough to communicate with the 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 2020-08-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Me and my husband have both been victims of identity theft after our personal belongings were stolen while on vacation. We submitted all of the proper documentation to the bureaus on XX/XX/2020 ... .no alert was place on my file and none of the fraudulent accounts were blocked or removed per section 605B of the FCRA.

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 2020-08-24 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: NY

Complaint narrative:
Equifax reported a collection company added a collection account of {$64.00} to my credit file that I could not identify. I reported the issue to Equifax who then responded after two days that they investigated and found the collection account to be valid. There is no further information. Equifax has nt provided what the evidence is or what the evidence shows. It simply states they asked the collection company to validate the claim and they said it was valid. The means any company - without documentation - can make claims against an individual without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: IL

Complaint narrative:
I filed a dispute with Equifax for a public record on my credit report that had inaccuracies. They did their investigation and verified the information was correct. I then submitted another dispute and provided supporting documents to show the inaccuracies and with those inaccuracies that account is not mine. Equifax after verifying the information to be true has now just modified the account instead of removing it as I have asked. Equifax verified this information was correct from the court but was not and has been on my credit report since XXXX and Ive disputed this account in XXXX. I ask that Equifax remove the account and not modify it because they verified an inaccurate account at accurate twice from the court house/ XXXX and it was incorrect. I ask that they provide the account as listed before the modifications as proof that those inaccuracies I reported were in fact true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Ive received calls in the early morning especially on weekends. I also receive calls after XXXX XXXX. 

Calls average out to 10 times a day. 

I dont know they call, they refuse to leave messages. 

When I do call back its a machine.

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