vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I enrolled in a Barclay 's XXXX XXXX XXXX  promo where all purchases on card have 0 % interest made from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX I called Barclays to confirm that I could turn off my auto pay and that each purchase I made I didn't owe anything until the 7th month, the rep agreed. I wanted to make sure there was no fine print I was missing. 

On XX/XX/XXXX, I got a voicemail asking me to call Barclays and called into their collections department, I have been a multi year customer with an XXXX credit score. I ended up being on the phone with for almost 2.5 hours, more then 90 minutes holding. 

XXXX the rep I spoke to told me I had a late fee for not making a minimum payment on my most recent Barclays statement. I explained I was under the promo and she told me the terms of the promo are that I must make minimum payment on the card each month for the 7 months of the promo. No where in the promo email they sent me does it say that. 

I escalated this issue the XXXX, a supervisor, fee was waived but only thing I could do was write a complaint letter for my file and I think he said it went to credit score companies.

I spoke to 3 different people that night and offered to email them the promo but was told their systems don't allow that.

I think its very unfair that Barclays can require a minimum monthly payment and not disclose it. It seems like they're trying to make money off the late fees from people who don't notice or that don't spend 2.5 hours on the phone to get a credit. 

I want to make sure the public is safeguarded and not taken advantage of like I was. 

Additionally, I made the minimum payment over the phone XX/XX/XXXX and XXXX alerted me XX/XX/XXXX that my {$75.00} charge to Barclays rejected ( I have a 5 figure credit line with them on card ) I'd appreciate any help you can provide. 
( attached is snapshot of promo email, I can forward originals if helpful )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TX

Complaint narrative:
Refusing to provide original signed contact proofing account belongs to me. Provide proof of verification of this account. On top of obscenity threats to own and pay debt that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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:
UNDER THE FCRA LAW I would like the following inaccurate items removed from my credit report immediately. 

The following Name, Address, phone # & Social security # are NOT mine and would like them removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX This address has pertained to a business : XXXX XXXX XXXX XXXX LA XXXX. 
RETAIL TRADE BUSINESS : XXXX XXXX XXXX, XXXX, LA, XXXX. 

THE ABOVE ADDRESS IS NOT MY BUSINESS. 

FCRA violation

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet is servicing my XXXX Loans for me and my school is XXXX XXXX XXXX XXXX ; they are not awarding my aid or applying my loans to my student account to pay for my tuition and fee 's in a timely manner. XXXX has Online XXXX Students wait 3 weeks into a 10 week term before loans are applied to account balances and student 's refunded the difference. In total it is a 21 day process with the term being well into session but we are unable to access our funds and use them toward educational expenses. XXXX does not make their onsite campus students wait 21 days to access their federal student aid and loans, this causes a hardship on the XXXX XXXX XXXX who is an adult and don't live in a dorm. The school says its the lender and the lender and XXXX says it is the school 's policy. I am unsure but I do know it is inequality and unjust and I will keep complaining until we online graduate students are not penalized for being professional students.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: IL

Complaint narrative:
<b>I AM WHO I SAY I AM. I AM NOT AN ATTORNEY. I AM NOT A CREDIT REPAIR AGENCY. I AM A VICTIM OF IDENTITY THEFT. I AM A CONSUMER AND I NOW KNOW MY RIGHTS. 12 USC 5511 ( c ) ( 2 ) <b> I mailed my notarized certified letter to Equifax ( a Reseller With File ) including my Driver 's License, utility bill, copy of Social Security Card and my FTC report detailing the fraudulent accounts. Equifax ( a Reseller With File ) received my notarized certified mail on XX/XX/XXXX. It is now XX/XX/XXXX and Equifax ( a Reseller With File ) has yet to block the fraudulent accounts within 4 business days pursuant to 15 United States Code 1681c-2 Block of information resulting from identity theft.

( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EQUIFAX IS A " RESELLER WITH FILE ''. ITS SOLE OBLIGATION IS TO BLOCK FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT THAT RESULTED FROM IDENTITY THEFT. PURSUANT TO 15 USC 1681c-2 ( d ) ( 2 ).

( 2 ) RESELLER WITH FILE The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. 
15 USC 1681a ( u ) - The term reseller means a consumer reporting agency that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Public Law and Statutes ( Pub. L. 90321, title VI, 605B, as added Pub. L. 108159, title I, 152 ( a ), Dec. 4, 2003, 117 Stat. 1964 ; amended Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), July 21, 2010, 124 Stat. 2087. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.

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 2021-09-09 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:
From XXXX XXXX XX/XX/XXXX I was a victim of identity theft ; Because a mail came in that said my taxes were ready to collect and id never do taxes i was XXXX. I am now XXXX and i cant open any banks and all my background checks fail. I know it was fraud for sure because i get so many messages on my cell phone about someone named XXXX XXXX. I see that name everywhere now and it's using my credit and social security. Please i want to know how to get my credit back to normal.

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 2021-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
Last year I paid the outstanding principal balance to avoid a foreclosure. I wasn't able to pay the late fees. Starting in XX/XX/XXXX the monthly totals were caught up and I made payments on time. I just noticed I'm 2 months behind in payment, although all payments made this year were made on time. Specialized Loan Services ( SLS ) has apparently dropped the account back two months in an attempt to get late fees from the previous year. 

This is rental property and the tenant said a foreclosure sticker had been placed on the house at the beginning of the year. Since all payments have been caught up SLS is now stating that I'm two months behind in payments. Nothing can be further from the truth.

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 2021-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I placed a {$170.00} online order from XXXX XXXX for a t-shirt and pair of shorts. I paid through PayPal with {$100.00} being charged to my personal credit card, and {$63.00} being charged to my PayPal cash balance. I received tracking information for the items, but when the package arrived on XX/XX/2021 it did not contain the items I ordered, but just a small string. I immediately filed a dispute with PayPal. I requested a full refund, but PayPal claims I typed XXXX instead of XXXX. I received a refund for {$17.00}, and immediately contacted PayPal to correct the mistake. They initially told me they could not reopen the case, but after further investigation they said they could give me a full refund. I did receive the refund for the full amount charged to my credit card ( {$100.00} ), but never received the refund to my PayPal cash balance ( {$63.00} ). I contacted PayPal again and explained that I was still waiting on the {$63.00} refund. The agent told me he saw where the previous agent said I would receive a full refund, but claimed this was an error. I asked to speak to a supervisor, XXXX, who told me the same thing. I requested recordings, transcripts, and notes from my calls to customer support, and asked XXXX to escalate the situation to her superiors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 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: NY

Complaint narrative:
On XX/XX/2021 a letter accompanied by a copy of the police report filed and my photo i.d was sent to Equifax ( credit bureau ). This was actually a third letter to the bureau, stating that the XXXX XXXX account with a {$200.00} balance and the XXXX XXXX XXXX account with a {$120.00} balance are fraudulent. The company refuses to abide by the law and remove these fraudulent accounts under section 605b of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
On XX/XX/XXXX I made a payment from my XXXX bank account to Goldman Sachs Apple Card in the amount of XXXX. XXXX has been able to provide me all ACH information proving they sent the payment but Goldman Sachs keeps making up different stories about the situation. At first it was insufficient funds, then it was that they sent a payment back to me. Goldman Sachs has been non compliant and cant provide any tangible data. Im reaching out to cfpb to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
1. XXXX XXXX XXXX XXXX Balance : {$6000.00} 2. XXXX XXXX Balance : {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have filed disputes that are currently in my credit report. IT has been more than 30 days since I have heard anything back or received any type of investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended XXXX XXXX from XXXX to XXXX and I was successful in discharging my federal student loans through the Borrower Defense to Repayment program. The Obama administration had previously enacted regulations in XXXX governing that program, which was established to provide student debt relief to students who were misled, defrauded, or otherwise harmed by predatory colleges and universities often, for-profit schools like XXXX. But the program only covers federal student loans. Private student loans are not eligible for Borrower Defense relief, and Navient refused to discharge my private loans. I believe I am entitled to cancellation of my private student loans under the Holder Rule theory. This rule requires that loans disbursed by commercial entity through a lenders or creditors relationship with that entity include a provision in the loan promissory note that allows a borrower to raise the same claims and defenses against the lender that they could raise against the commercial entity. In other words, if the borrower could raise claims of fraud against XXXX, the borrower should be able to raise those same claims of fraud against Navient and Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received an email from XXXX XXXX stating a new inquiry was on my credit. I checked and Capital One Bank inquired on my credit on XX/XX/XXXX, yesterday, and I did not inquire at any moment with capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank had a promotion for which if you deposit {$50000.00} and hold it for 60 days, they will give a bonus of {$700.00} within 90 days after the 60 days required. 
I had {$50000.00} in my account on XX/XX/2021, and I still have it there today. 
I got a letter from the bank confirming that I met all the requirements and I qualify for the bonus ; that was their case no. XXXX. 
As of today, which is already past the 90 day, which the bonus was suppose to be deposited to my account within those 90 days, it is still not there. 
I made numerous calls, went to 2 branches and opened cases for complaint.

One branch manager said she can not help me. 
Today I called again and asked to talk to a supervisor, and she opened another case no. XXXX. 
I'd like you to resolve 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 monetary relief
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. TransUnion failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. XXXX XXXX XXXX XXXX Balance : {$0.00} 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} 3. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number:XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On my credit report is a debt collection account from XXXX XXXX XXXX for the amount of {$260.00}. I have never had a collection with XXXX XXXX, I have spoken with XXXX  and they state they do not use CCS Collections as their collection agency and have never reported my insurance account for collection. CCS Collections has told me that XXXX reported the debt, they will contact them to verify, but I never hear back. When I call them they must have my phone number in the system because they hang up on me. The credit agencies I wrote and disputed the collection all they can do is put a message on the file, but it is impacting my credit score to have this collection on my reports. CCS refuses to remove the collection even though XXXX does not use this agency, I believe this is a completely fraudulent posting to my credit. I need this agency to remove this collection, but they refuse even though XXXX states they never sent me to collection and does not use this agency. Additionally, I have never made a payment on this debt to reduce it from {$260.00} to {$160.00}. CCS refuses to verify this debt with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation