vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This all originally started when I sent a payment from my bank account to the credit card company ( Barclays ). The payment was sent before the due date, the details are below this message. 

Long story short, they said they didn't receive the payment, and charged me a late fee of {$29.00} So then I proceeded to question them about it, and they reversed that fee, which I was grateful for. But, in the meantime I wanted to know what happened to the payment, so I called my XXXX XXXX XXXX and they said they could stop payment on it. So I did that. 

Well then Barclays charged me another fee called " return payment fee '' of {$29.00} XXXX but they never received the payment. So I kept asking them why am I being charged this fee when you ( Barclay ) never received it. They would give no clear answer and will not explain. 

I also told them I want the account closed, and they refuse to do so in a timely manner. Saying they keep the account open for viewing or some other reasons. I want to somehow protect myself or know what to do in this instance because I feel somehow they are going to keep charging me fees, and keep the account open - hence why I am contacting you, to have record of this. 

Thank you for any help and guidance you may have in this matter, would be greatly appreciated. 
XXXX XXXX Details of the original payment. I also attached a screenshot of the payment. 
Sent On XX/XX/2020 Delivered by : XX/XX/2020 Amount : {$64.00} Paid from : XXXX XXXX   Confirmation # : XXXX Type : Check Sent to : Card Services XXXX  XXXX XXXX, XXXX, PA 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 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is a law office that collects debts. They reached out to the hospital and were given a medical chart with explicit medical details on it and forwarded to me in the mail which ended at my neighbors and them opening and reviewing my medical chart. This is a direct violation of my HIPAA rights. Then they filed a lawsuit against me without validation of the said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I received a letter from Capio Partners and i sent off a Debt Validation to this company over 45 days ago and they're just responded to my validation letter. This company didn't provide proof that I owed debt except they sent computer printouts but nothing with my signature on it, and also this alleged debt was paid via a lawsuit from car accident of this year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
on the XXXX of XXXX, i notice some collections from SOUTH MISS COLLECTION ON MY CREDIT REPORT WITH ALLEGED BALANCES OF:XXXX, AND XXXX THAT I DO NOT OWE.I SENT THEM 3 LETTERS ON XX/XX/2020 REQUESTING FOR INFORMATION CONCERNING THOSE DEBTS.I HAVEN'T RECEIVED ANY AS OF YET AND I ALSO ATTACHED COPIES BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
They are increasing the loan overtime without explaining why it is increasing. It is hurting my credit score. It also does does not show the date of last activity. It is inaccurately reporting and they are not in compliance.

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 2020-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to  receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX  XXXX this account payment history is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update DEPT OF EDUCATION/XXXX  XXXX this account payment is incorrect. The account reflect three 120 late 's XXXX and two 120 dates consecutively in XXXX, An account can not have the same amount of days outstanding consecutively every month. This account has never been late. Please update. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This the letter I sent to AMEX on XX/XX/XXXX by certified mail and received no reply. Sent again electronically and they said they had no record I ever had any points and decline to help in any way. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX AMEX Card # XXXX XX/XX/XXXX American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Dear Madam / Sir : I am writing to request that my AMEX membership points balance ( XXXX as of XX/XX/XXXX see page ( 6 ) enclosed ) be reinstated. I just noticed upon logging in to my account today that my Amex card housing the points # XXXX had been cancelled. I spoke with a customer service supervisor today ( XXXX ) about reinstating my points and he said he had no record that I had any points and, if I did, they would now be forfeited. 
I have been a cardholder since XXXX and have been using the card referenced to house my points from my previous employer corporate cards since XX/XX/XXXX see page ( 1 ) B enclosed. On that day I spoke to an agent about how to keep my XXXX corporate card points XXXX after I separated from XXXX. I had 2 points on my personal card previously ( see page ( 1 ) A enclosed ). See page 2 enclosed stating my points balance of XXXX from XX/XX/XXXX. The agent recommended that I transfer my Corp points to my personal card ( referenced ) and that they would be maintained there, indefinitely, without need to pay a fee or make any purchases. That promise held true for almost 5 years until now. Page ( 3 ) enclosed  shows that this points balance was maintained through XX/XX/XXXX. 
I did receive an email ( see page ( 4 ) from you XX/XX/XXXX XXXX : account closure but I didnt open as it looked like many of the regular emails I receive and I was in the midst of a job transition from XXXX and XXXX at that time. I would have expected a courtesy phone call at least given the XXXX point balance and being a customer since XXXX. 
Note that I spoke to a customer service agent on XX/XX/XXXX ( after the closure email date see page ( 5 ) enclosed ) about transferring points from my XXXX and XXXX corporate card to my personal card to preserve them as I had done before based on your prior recommendation. The agent transferred XXXX points to my personal card resulting in the XXXX points balance shown on my XX/XX/XXXX balance ( see page 6 ). The agent did not mention anything about my personal account was going to be closed soon else I would have immediately taken action to prevent to keep my points. 
I am open to your suggestions re : to how to get my points reinstated. Be it re-opening my personal card account or something else. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i had sent a dispute letter to all three credit bureaus regarding an account that i did not recognize. after 30 days, i re-imported my credit report into my software and noticed that Equifax and XXXX both re-imported this account, however, they changed the name as it appeared and submitted as a new account. How is this possible and is it even legal?? how can you delete something and then resubmit it as a new account??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am having issues with my vehicle loan through Bridegcrest due to inaccurate payment scheduling that has occurred multiple times. It occurs when I am called by Bridecrest for late payments collections and to bring my account current. At least three or four tiimes I have been called for late payment collections and have requested repayment dates that suit me with regards to other financial obligations yet the service representative scheduling an online payment to bring my status back to current will enter a date that adheres to the loan schedule and not by what I am verbally requesting. This causes a domino effect of me not being able to pay the next bill on time because the dates I require in order for funding to be available isn't always based on my Bridegcrest loan repayment schedule. The agreed scheduling would bring my account current if they followed it, but they don't and schedule the payments to their benefit or to fulfill whatever collection quotas they have but it leaves me in a financial burden to make the next payment because they are taking money out of my account before it was allocated for them. Since I have received the loan I have been in a constant delinquency and credit reporting and it all stemmed from their late collection payment rescheduling that first occurred three months after I received the loan. In that instance, I was called to bring my loan current but they scheduled the payment before the agreed upon date. My loan eventually needed to be restructured and my loan was extended almost another 6 months. My most recent occurance of this happened, this month. I was called to bring my account current and scheduled two payments to be taken out this month. One was this XXXX on XX/XX/XXXX and the other was for {$400.00} on XX/XX/XXXX. I just found out the XXXX was already taken out on XX/XX/XXXX. All in all my account should be current with all the payments I have made by now yet it is not. I know this is in part due to late payments but the type of delinquency reporting, total of loan payments, and daily interest accrued just do not make sense for any vehicle loan. Looking back t honestly would have benefited me more to have voluntarily reposessed the vehicle after the first late payment rescheduling error because I have been hassling with this loan the whole time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
ON XX/XX/2020, I SENT A LETTER TO EQUIFAX AND XXXX DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/2020 ~US Bank Relicard denied atm withdrawal with money in account. 
~Called customer service. 
~was told account is locked. 
~faxed identity information to reliacard after already confirming and needing the account unlocked immediately ~I was told to wait 5 business days XX/XX/2020 ~a week later ~have not recieved fax ~told to wait 7 more business days I HAVE ZERO ACCESS TO MY MONEY AND I'M HUNGRY AND THEY WILL NOT UNLOCK MY CARD THAT SHOULDN'T BE LOCKED ANYWAY. 
reliacard, us bank and unemployment have made zero effort to help me and have waited on hold for hours and hours and hours on end.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/2020 I was shopping for a mattress at JC Penney website. Looking at a great mattress that we loved, we thought it was a bit high in price. However, at the bottom of the offer, it stated that if i open a new JC Penney card i would get free financing for 12 months and a 15 % discount. 
Given that I have an almost perfect credit history in the 820s, i figured this is our way to get the price we were looking for, and also pay it along. 
So initially i applied and got an answer that i would get an answer in 5-7 business days. I called the JC Penney number as i was in the process of purchasing, and usually at the store they approve it on the spot. They transferred me to Synchrony Bank which told me that i was rejected. I asked for a reason, they said i would have to wait for the physical letter to see the reason. I reminded them i have very good credit, and that i wanted to take advantage of the offer. There was nothing they can do. 
Then, as an alternative, my wife that has about 816 point credit rating applied too. The same happened to her. She was not accepted online either and therefore no discount or financing offers for us. 
Last week we each received a denial letter from Synchrony Bank. Our application was denied for the following reasons : High Risk Source of Application Is that JC Penney website? Why does Synchrony advertise there then, it sounds like false advertising either from JC Penney or from Synchrony? It got me. 
We have not lost jobs, we do well financially, and our credit is impeccable. 
I believe the risk is probably with JC Penney and Synchrony, as most likely we'll pay the cost eventually without extra fees and go over the time limit for the offer for late fees and penalties.

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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2020 a mobile check was deposited into my account from XXXX XXXX account from XXXX for XXXX. This was at pnc bank in XXXX Delaware. It was deemed a fraudulent check after five days but pnc released the money before the check cleared and the  money was taken. They have held me liable for this and have taken my paychecks for the past month. In turn I may lose my home and car now due to this, I have called now three times to speak with a branch manager and no one has contacted me. I really need help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking  fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I need transfer money from PayPal account to my XXXX XXXX  checking account. 
Was happen once and was working fine. ( XXXX ) after this bank was removed from my account ( by Paypal ) and since this time I can't link this bank again and transfer my money. Paypal support is terrible I can't call because system end call before anybody answer the call and say sorry ... 
Support by email is not working they ignore my messages and never fix anything. 
Last Friday XXXX XXXX ) I spoke with real person ( they call me ) I was tell I need to wait XXXX before I can add my bank and transfer my money. Nothing works, is still not working and I'm back to binging. They hold my money and look like they want benefit from this or something. PayPal service and support is the worse I aver experience in my life. Nobody do anything is just empty promises and text exchange. I use this account for XXXX sell and is shame XXXX is involve in this terrible service, where they keep my money long as they want and nobody can do anything and check how many people have the same problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ON XX/XX/2020, I SENT A LETTER TO XXXX AND TRANSUNION DISPUTING THE INACCURATE AND INCOMPLETE ITEMS THAT THEY ARE REPORTING ON MY CREDIT REPORT ANS HAS NOT GOTTEN ANY RESPONSE DEALING WITH THE NEGATIVE ITEMS.I ALSO ATTACHED A COPY BELOW ASKING FOR YOUR ASSISTANCE IN THIS MATTER.

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 2020-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
On XX/XX/2020, I contacted Citibank to discuss my account. The automated system asked if I wished to close my account. I clearly stated " No. '' I then received an email that my account had been closed. 

That same day, I called Citibank again and requested to speak to a representative. I explained to the representative that I did not authorize the account closure. The representative stated that I could not reopen the account without a credit pull because the account was not closed in error. I refused to reopen the account with a new credit pull, and I stated that the account had in fact been closed in error. The representative stated that under Citibank Policy, an  account closure through the automated system is never a bank error. 

On XX/XX/XXXX, I attempted to resolve the issue with a Citibank manager and I spent several hours at a Citibank branch. I was told that I could not reopen the account without a credit pull. The Citibank branch initiated an internal complaint because he understood that this was a Citibank error and my account should be reopened without a credit pull. On XX/XX/XXXX, the internal complaint was rejected, and my account has remained closed.

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