vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-03 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: MA

Complaint narrative:
DuringthepurchaseofticketsonFrontierAirlines,IsawabanneradforXXXXmilesanda{$100.00}statementcredit,followedbytheinstructionstoApplyatPurchase.Basedonpreviousexperiencewithbrandedcreditcardsaswellasthephrase"ApplyatPurchase'',IthoughtIwouldbeabletoapplyforthiscardattheandplacemypurchaseonitduringthisXXXXtransaction.WhenIgottothepaymentscreen,therewasnooptiontoapply,asshownintheattachedphotos.Placingthecursoroverthe"ApplyatPurchase''buttoncausedthemousetoturntoani-bar(notaclickablebutton).

WhenIcalledcustomerservicetoinquire,IwastoldthatIhadtouseadifferentcardformypurchaseandthatIcouldapplyforthecardbuttheapprovalprocesswouldtake7-10daysandIwouldneedthephysicalcardtomakeatransaction.Withsomethingtimesensitivelikeairlinetickets,thisisbothunusualandinconvenient(andsurprisingly,nottoFrontier'sfinancialbenefit).However,mymainconcernisthatthisoffereddeal(a{$100.00}statementcreditandXXXXmiles)isnotavailablewhenacustomerappliesforthecreditcardinanyotherpartofFrontier'swebsite.Instead,itisanofferofXXXXmilesandnostatementcredit,receivableafterspending{$500.00}onthecardandpayingtheannualfee.Insum,thepromotionaloffershownonthewebsiteisnotactuallyavailabletoconsumers.

WhenIcontactedFrontier,theyrepeatedlytoldmethatyoucanapplyforthisdealduringthepurchaseprocess.IwasunabletodosoonXXXXdifferentdevicesusingmultiplebrowsers.Thebuttonissimplynotthereontheuserend.

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 2019-07-03 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: OH

Complaint narrative:
This company calls me 15+ times a day and has now started calling my parents on both their landline and cellphones. They dont ask my parents for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coin base refuses to change my email address that I no longer have access to, I can not access my Funds For withdrawal or transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
In regards to CFPB CASE # XXXX. I am yet to receive the check that was mentioned in the letter either by mailed or email. 
I have called the number on the letter, but no one is available to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: MD

Complaint narrative:
On XX/XX/19 I called after realizing sallie mae had disabled my online acccount where I could see my billing statement, this was after about 200 harassing phone calls about how I was past due and needed to pay. I was pretty sure I was current and wanted to see my statement and how could I see my statement when they disabled my account? When calling to ask for statements to be mailed to me showing where the past due balance was coming from they representative refused to mail me statements and refused to give me access to my online account. It is now XX/XX/19 and I still have not received any statements in the mail nor have I received access to log in online but I did just receive a threatening phone call of basically pay or else. Isn't it illegal to refuse me my statements? I mean we all know sallie mae is bad but this is something else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: UHG, LLC
State: OH

Complaint narrative:
This company calls me 15+ times a day and has now started calling my parents  on both their landline and cellphones. They dont ask my parents  for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.

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 2019-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Collection is reporting a debt on my credit report from XXXX. I do not have any contract with Enhanced Recovery Collection, I do not have any business with Enhanced Recovery Collection, nor have I ever done business with this company. My account is still active with XXXX in good standing. I have spoken with XXXX on many occasions since this account started reporting on my credit report. After speaking with XXXX I was told my account was never placed with a collection agency HENCE, I am a valued customer with 12 active business lines with XXXX. 

When calling to speak with Enhanced Recovery Collection they are very rude using profanity, hanging up the phone and threaten to garnish my wages. Attache you will find my monthly bill from XXXX showing this account was paid. However, XXXX does not have this account listed with a collection agency because this account is still open with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Two years ago when the Equifax data breach occurred I froze my credit with the three reporting agencies. After recent difficulty trying to obtain a loan I contacted Equifax. They directed me to send them a copy of my current drivers license, SSN, birthdate and address for the purpose of updating my personal information. My cover letter to the Equifax Dispute Dept. was dated XX/XX/2019. I received a confirmation letter back from Equifax with the wrong personal information on it!! I received a letter from XXXX   at the same time with the right info on it! I can no longer access the account that I created with XXXX  two years ago. I am denied access using my username and password that I created. Equifax now wants me to send them more information. Why would I do that when they could not get it right the first time?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: UHG, LLC
State: MO

Complaint narrative:
The company XXXX ( XXXX XXXX XXXX ) claiming to represent the new debt owners ( United Holding Group ) began calling in mid XXXX ( XX/XX/XXXX ) to collect on this debt which is originally from XXXX XXXX. I spoke with several individuals who were claiming to handle the case with XXXX. At first, I wanted to clear this debt and offered the amount of {$1800.00} which I was able to pay at the time. They refused that amount and said they could only take {$2000.00}, The original reported amount was {$3300.00}. Before I went a step further after they refused my amount, I realized that I had nothing in writing from either UHG or XXXX showing that they owned this debt or was representing the owner of the debt. Phone calls continued from XXXX after my last communication with them turned unprofessional from one of their agents. After doing some research on debt collection agencies and my rights, I spoke with them on XX/XX/XXXX requesting a Debt of Verification letter before I continued talking with them. The individual then proceeded to verbally harass me and claiming I was using a stall tactic and that I made bad choices in the past and needed to be accountable for my actions. XXXX even confirmed my current address to me and as of today XX/XX/XXXX, I've yet to receive any documentation from either company. On XX/XX/XXXX XXXX contacted my employer and spoke with my manager and was verbally abusive with her and requesting salary information and other personal details that are not related to this debt. My Manager would not provide any information and the individual who called became extremely upset and hung up the phone. I have received numerous phone calls from XXXX throughout the same day on my personal cell and at work. I now receive voicemails from someone new representing this debt and using scare tactic verbiage, claiming they have a case number with my local county courts and they are pending processing if I don't call them back. I will not answer these calls due to them being abusive in the past and still not providing proof of the debt and/or ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I filed a fraudulent charge with my credit card company which was a mistake on my part. I didnt recognize the charge because it was split between my paypal balance and credit card. I called my credit card company and contacted paypal when I realized my mistake. XXXX XXXX credit card company handled everything fine. But paypal has my account limited where I can only accept payments. I cant withdraw funds or give refunds. This is very important in my business as I sell live animals and offer live arrival guarantee. It is PayPals practice to hold funds as long as possible to collect interest on money that isnt theirs. I submitted required requested documentation on XX/XX/27 and PayPal refuses to discuss this with me on the phone. They say representatives dont have access and its being reviewed. Is it legal for them to hold my funds indefinitely? From what Ive heard and read they do this all the time and people want to start a class action lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 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: NM

Complaint narrative:
Trans Union, XXXXx and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-07-03 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: NM

Complaint narrative:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2019-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX ( or XXXX ) XXXX company XXXX has repeatedly contacted me regarding a debt they have listed as ref XXXX, and for which I dispute and have records to prove their information is incorrect. 

They have repeatedly used threatening tactics such as : 1 ) threatening lawsuits 2 ) Pretending to be a separate 'document service delivery ' company implying litigation is imminent and 3 ) they have repeatedly denied my rights under the Fair Debt Collection Practices Act including : A ) They refused to give me an address to send a formal request asking for their documentation of the alleged details of the debt B ) They refused to honor my request to stop contacting me regarding the erroneous debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The only names on my credit report should be : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has all of the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-03 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore Loan Management has placed a past due claim on my credit report. Ex husband, XXXX XXXX filed for bankruptcy in 2018 which the outstanding balance of {$25000.00} is already being accounted for in his bankruptcy. I have no involvement in that bankruptcy. Rushmore loan management has placed a claim in my credit report of a past due amount of {$25000.00}, the amount already accounted for in XXXX XXXX bankruptcy. I have informed Rushmore Loan Management of the bankruptcy and that this claim belongs to XXXX XXXX not on my credit report. Placing this claim on my credit report would be considered double dipping and unethical as its already part of an agreement. They have replied to my correspondence and confirmed that they will remove the claim as of date, it has not been removed. This claim is incorrect and should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am attempting to log into my mortgage account online to see my bill. I am unable to access my mortgage online due to technology issues with US Bank. I have called US Bank and they are unable to fix the issue on their end. I have asked them to call me back and they have not. I have already stated to them that I am withholding payment until they fix the issue. I still have not heard back from US Bank.

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 2019-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NE

Complaint narrative:
Earlier today I submitted a dispute of the account the above referenced collection agency is attempting to collect from me. Despite not being the person to authorize the opening of the account, I have found an additional violation of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act Professional Bureau of Collections is attempting  to collect a debt that according to the original debtor originated in XX/XX/2013. Professional Bureau of Collections has intentionally reporting inaccurate information. They re-aged this account to display it as a new account opened within the last 4 months to cause as much damage to my credit report as possible. 
I have already made the company aware of the fact that I did not authorize the account, I am now making the CFPB aware of the fact that they are engaging in unethical collection activity that I wish to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Block, Inc.
State: AZ

Complaint narrative:
I have had an account with Cash App for years and never had an issue up until XXXX. They app unexpectedly closed my account stating I violated their policy which was never explained. In the process of closing my account, I have a cash balance of {$410.00} that has been paid to me by different people which has been withdrawn from their account. Cash App has blocked me from receiving these funds and will not allow me to access my funds. I have went through their verification process twice, I have contacted them via XXXX, In App Support and Emailing and have been receiving automative responses. Please help me receive my funds as this has been a disaster. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: FL

Complaint narrative:
THE ACCOUNT DISPUTED HAS BEEN PAID FOR IN FULL AND I WOULD LIKE IT TO BE REMOVED OFF MY CREDIT FILE, FOR IT HAS HINDER MY CHANCES OF ACQUIRING XXXX CREDIT.

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 2019-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: FL

Complaint narrative:
I invited a friend to open a checking account to get a {$50.00} bonus for myself and {$50.00} to a friend that I referred. each bonus was not received for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I went to the XXXX XXXX Department. XXXX XXXX XXXX never sent this to my insurance and sent my bill straight to XXXX XXXX XXXX. I paid the bill in full and asked to have this removed from my credit, which they did on XX/XX/XXXX. In XXXX of XXXX, i repeatedly got letters from XXXX Phoenix Financial services . I submitted this and again this was taken off my credit report. On XX/XX/XXXX I was reimbursed by my insurance because I had paid the entire bill four years ago and was told by my insurance that, again, they never submitted a bill to my insurance. This has showed up on my credit report for the third time and has harmed my credit along with Phoenix Financial constantly sending me letters and collection calls. Please have them remove this from my credit asap. My credit score has dropped significantly. Thank you for your continued help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed the balance of a XXXX collection on XX/XX/2019 Account number XXXX. I paid this item in full. Today is XX/XX/2019. The bureau did not change the balance on this item ... the notice of dispute does not even appear on it in my credit file. 

The FCRA provides that this investigation be completed in 30 days. Not only is it not complete..they never started it. I have attached a copy of the payment in full. I now want this item removed from my file as provided by law.

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