vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-20 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to dispute an incorrectly reported credit issue in my file associated with XXXX XXXX and Barclays Bank Delaware. Attached are signed and notarized documents proving grounds for my dispute. These have been mailed to XXXX XXXX XXXX Department and Barclays Bank Delaware. XXXX XXXX Mail, Return Receipt Requested for proof of receipt. 

The enclosed Notification, Affidavit, and XXXX XXXX XXXX XXXX  will show the reported item in question is, and has been, in dispute with XXXX XXXX and Barclays Bank Delaware. 

While I do not deny a contract was signed with XXXX XXXX, the contract was entered into upon fraudulent acts committed by XXXX XXXX, as shown by the enclosed documentation. 

Please reinvestigate this matter and delete the disputed item as soon as possible, and mark any further attempts on behalf of XXXX XXXX and Barclays Bank Delaware as disputed. 

Sincerely, G.

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 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Getting constant calls some blocked some from different number all for the same company I receive almost 10 calls a day its stressing me out because I simply dont have it to pay and its a constant reminder of what Im going through on top of me trying to be a new mom

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: CA

Complaint narrative:
There is a fraudulent account reporting as income on my consumer report. The account also is containing transactions & experience between the consumer and the person making the report, which is illegal. 
15 U.S Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went to use my XXXX card which is a debit card through American Express and found out I could not. So I called and they said it was locked due to fraud. They said I had to prove my identity. I did everything they asked. I had my HR department Involved as well as payroll was emailing them documents they asked for. Then in XXXX when I called them again because we sent everything possible they then said oh we want a letter of ademinity sent from my bank that my company uses but the bank said that XXXX was given enough Info on my direct deposits and info from my job on my identity. 
I no longer work for this company and I still can't get my money that XXXX is holding from me. I have been in a severe car accident that XXXX XXXX XXXX and hospitalized for a couple of XXXX. I could use this money badly at the time. This all started in XXXX of 2020. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I tried to get an American Express, XXXX XXXX, card. 
It was rejected because they stated that XXXX stated I had too many bank card accounts. 
I contacted XXXX and they stated they never disclose this kind of information. 
I have a credit score with them of XXXX have in XXXX years never missed a payment or been late on a payment. My credit score with XXXX is XXXX. 
They stated I have too many cards open. I only have XXXX credit cards and have had them for years. 
The reason for wanting the new card is I take care of a XXXX XXXX XXXX lady and her thread bare carpet is a danger to her falling. Since the cost of the carpet and new vinyl is {$7000.00} I could use the card to get significant airline miles. In rejecting the card they are, in essence, cheating me out of those miles. 
American Express says because of this fraudulent information they will not issue me the card even though XXXX adamantly denies they disclosed this information. American Express refuses to show me the denial. 
A friend who is an attorney states credit card companies will often generate false information to discourage a customer from getting the card as someone who has excellent credit is not the kind of customer they want as we dont generate interest income for them. 
I then applied for the same type of deal with XXXX XXXX, XXXX XXXX and it was approved in less than XXXX minute. 
I have a copy of the denial letter from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I sent Navy Federal Credit Union XXXX XXXX XXXX XXXX on XX/XX/2021 and they received it on XX/XX/2021 at XXXX. Stating the facts with proof and exhibits. They have failed to respond to my previous complaint and is now in default. 

XXXX XXXX has been false and misleading during this entire consumer credit transaction. They have been sending false character amounts, reporting false information on my consumer report and calling at inconvenient times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank has charged a monthly service fee for the months of XXXX, XXXX, XXXX of 2021 claiming low balance even though balance was over the required amount. After contacting the bank ( case XXXX as per communication with Citibank on XX/XX/XXXX XXXX EST ) the monthly service fee was reversed butonly upon request.

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 2021-11-20 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for AMEX XXXX XXXX XXXX on XX/XX/XXXX as part of a XXXX % percent and {$200.00} card promotion ( see screenshot below ). This card was critical as I was making a large purchase for me to pay over the promotion period. 

I received the card and charged {$3500.00} on XXXX, I didnt see the promotion apply after checking the charge status from pending to actual charge a few days later. I called XX/XX/XXXX and expressed my concern. I was told that they would check it out and get back to me in XXXX days. I decided to check-in XX/XX/XXXX. I talked with XXXX who informed me it would now be resolved in XXXX and theres no guarantee that the promotion would be applied. I said that would be a problem. She shared that the backoff team would review and it was in process. I expressed the impact to me as I did not budget funds to be able to pay. This would impact my credit and likely AMEX would also not be happy. 

I asked to talk to a XXXX. After waiting, I talked with XXXX who let me explain the situation. I emphasized that I could not pay. He went thru the process which already had been explained to me. I acknowledged understanding that but need to do something else such as cancelling the transaction / card. He informed I would still need to pay which I already expressed wasnt possible. He asked about the vendor cancelling which I dont think is appropriate as it wasnt the vendor or I that caused this situation. I explained that I followed the links and he talked about using promo codes. I explained that I didnt enter, change or select any promo codes. He then went back thru the process. I was frustrated and reminded him that I didnt have the funds to pay. He suggested I do a balance transfer which again furthers my financial burden. He didnt offer any actions that he would take which I expressed wasnt helpful. He then asked, What do you want me to say? Im not sure how to respond to it other than its unacceptable as I have nothing to do with the promo site links and why this is the case. 

The only internal AMEX action he offered, which was not an option, was AMEX internal process with your back office. He then offered to transfer me to the credit office if I couldnt pay I found that very insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Im having a problem with credit acceptance. They have been calling me XXXX times and hour everyday. I have strictly told them that I am a college student and I am in class most of the day and that i cant take calls on weekends. But they continue to constantly call me. They are even calling me at XXXX in the morning on some days and I know legally that isnt allowed. I have an arrangement already worked out with them but they continue to call me anyway. Something needs to be done with this company or I will not be paying back anymore of the loan.

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 2021-11-20 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: MI

Complaint narrative:
I sent in my police report to transunion, XXXX and XXXX and they have not removed the illegal and inaccurate information that is reporting on my file

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
MRS BPO has contacted XXXX and negativley affected my credit report ( which was OUTSTANDING ) that they represent a debt for collection. They will not tell me who they represent. MRS BPO is listed as a collection agency representing their client ( unamed ) on my credit report as some entity who claims I owe money. I have no idea who MRS BPO represents and have never received a bill from them OR their client. 

I need them to immediately provide me with this information : # 1 ) signed contract or application where I allegedly obtained credit with you.. # 2 ) Copies of all invoices mailed to me during the time I allegedly had an account with their client including what services they provided to me. # 3 ) Verification of all payments made by cash, credit card, bank debit or check on this account during the time it was open. 

Please mail this information to me within the next ten ( 10 ) days or remove this from my credit report as erroneous and do not ever attempt to collect this false debt from me again. 

By copy of this letter, I am notifying XXXX, XXXX and XXXX that I am filing a formal dispute of this account. 

I am also notifying the XXXX, Consumer Protection Division of the Office of the Attorney General in New Jersey that you are violating the FDCPA and the FCRA by reporting an account I DO NOT OWE AND HAVE NEVER HAD TO the credit bureaus. 

You may mail your response to me at the address on the account. 

cc : XXXX, XXXX XXXX, XXXX and CFPB, Attorney General Consumer Protection Division, XXXX, New Jersey

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am not an attorney not am I a XXXX party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  # XXXX #. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the XXXX, XXXX. XXXX XXXX, section XXXX, codified at XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit 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 2021-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Lending Club Corp
State: NY

Complaint narrative:
Opened a high yield savings account with Lending Club. Feel they were misleading. After opening account found there was a {$5000.00} transfer limit per day on account. This was no good for me. Called several times to close account. Was told they could not close until initial {$100.00} deposit was in account and then they would close with no problem. Called XX/XX/21 after waiting a week to make sure initial deposit was in account. Account # is XXXX. {$100.00} was in account but they are still refusing to close account. Asking me to mail them documents to close account. I didn`t have to mail them documents to open account. I have other online savings accounts and never had to go through this aggravation. Every time I called them felt I was getting the runaround.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc.
State: CA

Complaint narrative:
This gym named XXXX XXXX is accusing me of signing up for there gym and continuing to work out which is false! I never signed up for the program there talking about and now they have passed my debt to a collection agency which is trying to get money I dont owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no XXXX party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$3800.00} XXXX {$2300.00} XXXX {$4800.00} XXXX {$86.00} XXXX XXXX XXXX {$400.00} XXXX {$280.00} XXXX {$79.00} XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
While XXXX at XXXX XXXX, XXXX XXXX, final dues were never communicated in spite of repeated follow-ups. 
FINAL BILL OF {$440.00} sent by XXXX XXXX XXXX with fines. {$25.00} and {$110.00} late fee on XXXX XX/XX/2019. I denied paying the late fee and agreed to pay the full amount multiple times. Repeated follow-ups and requests for fine removal and settlement yielded no results. 
Collections XXXX finally slapped even more fines and reported {$590.00}. 
They harassed me by calling me multiple times during work while I was inNew York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Our mortgage company, Mr. Cooper, contacted us ( numerous times ) to let us know that due to COVID hardship ( my self-employed business significantly declined ), we would qualify for a " deferral program '' for XXXX  months. We were supposed to begin making our mortgage payment on XX/XX/2021, however they would not let me because they said they we should never have been accepted into the deferral program because we were a few months behind on our mortgage payments when COVID started. We were told that it was their ( Mr. Cooper 's ) unfortunate mistake that we were allowed to be put into this deferral program, however they could not do anything about it. After a few weeks, we were finally put in touch with a loss mitigation officer ( XXXXXXXX XXXX XXXX at Mr. Cooper and she said she would put a request in to see if Mr. Cooper would allow us to be placed in the deferral program. After XXXX  days, she called back and said that they declined our request to be put in deferral. Interestingly, she mentioned that if we paid the {$6000.00} in back payments ( approximate ) she could put that request through again because we would be up to date on payments. We asked if that would guarantee that we would be accepted into the deferral program and she said " no ''. We contacted an attorney, who advised us to NOT pay them the {$6000.00}, unless we had a guarantee. We would never have agreed to go into deferral if we knew that Mr. Cooper was just going to try to foreclose on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20 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: TX

Complaint narrative:
On XX/XX/2021 I sent a dispute to TransUnion about XXXX accounts that were open as result of identity theft. Those accounts are : XXXX ( # XXXX, Total Amount Obtained : {$2300.00}, Opened : XXXX ) and XXXX  (. # XXXX, Total Amount Obtained : {$1100.00}, Opened : XXXX ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. TransUnion didn't answer my dispute or blocked the accounts are they are required pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation