vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/2021 someone used a balanced transfer check from my account for {$1500.00}. There was a {$75.00} balance transfer fee, {$5.00} and interest charges {$22.00}. My first call was on XX/XX/2021. They closed that credit card and sent me another one and said they would investigate the charge. I called again in on XX/XX/2021 to check status because I never received a call or letter from them. Apparently nothing had been done and interest charges keep adding up on my credit card. I was told this would now be compliant level 1. I called again on XX/XX/2021, still nothing had been done. I was told a case had not been opened. So, the account manager said she would open up the case. I insisted on speaking with a supervisor and held several minutes and was disconnected. Called back on XX/XX/2021, the person I spoke with couldn't see if a case was opened and was going to transfer. I declined because I didn't have time to go through another 50 minute conversation and nothing happen. I don't understand why they can't credit the money back while they investigate the check that was used. 
Credit card company : Barclaycard 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 monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I disputed this as identity theft. Caine and Weiner have no rights to my privacy. Yet they, stated, meets FCRA requirements. They received my information without my permission. Where is the proof I signed over permission for them to access my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased a dog training package and put a deposit for such course in XXXX. After careful consideration XX/XX/2021, I decided not to proceed with the purchase and requested for my funds to be returned. Within that same week the dog died. Making it that much understandable that I no longer had use for the service. I revoked authorization to charge with the company and requested for funds to be returned. I never heard back from the owner or any of its said employees regarding the matter. I do not have money to give away and it's not fair for the bank not get my money back when I never received a service and revoked authorization to charge. The bank said that there was no error when if fact there was and I reported this as soon as I was able and have tried numerous times to get the money back from these crooks and its not fair that BB & T is the only bank that has this type of policy where it wants the customer to do all of the work when it comes time to dispute a matter. I work hard for my money and I trust them to do as I say with my funds. They do this every time as if they have no concern to even invest the time to help serve us as the client. I have had other complaints where I had to work hard and get the money returned on my own. They are the ONLY bank that does not formally conduct and investigate and even attempt to retrieve funds back when there is a dispute. Lastly the money was a deposit and not a finally payment and was supposed to be returned either way and that never happened there is no signed contract and I want my money back. I will be filing a complaint with the Maryland Attorney General 's office as well. However, I was told by small claims court to start this process first.

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 2021-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient and Navient DOE hold my student loans. I have been paying on them for over 10 years and I owe more than I borrowed. Lately the USPS has not been delivering my payments on time and I am being charged late fees. it takes a month for 1st class mail to get to Navient or Navient DOE. Same as to when I receive my monthly statement from the lenders. I will not let Navient do direct withdrawal because they have been found guilty of predatory lending practices. I have filed complaints with the USPS about delivery delays but they refuse to resolve or even investigate the problem month after month, year after year. XXXX XXXX of the XXXX XXXX is the person assigned to each complaint and does nothing. I write the date of receipt of every payment coupon and the date I mail it, along with ck # and amount. I pay over on each payment by the way. I photograph each payment, envelope and check before I send it. I have had my mail tracked by certified/return receipt. The malfeasance of XXXX XXXX and the the USPS is causing me to pay late fees and Navient continues to charge late fees. This has been going on for years and has nothing to do with COVID delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
NATIONWIDE CREDIT , INC is a collection agency that works for XXXX. Nationwide is claiming I owe {$25.00} for an unpaid balance at XXXX. I have contacted XXXX customer service 3 times attempting to find out what this debt is, they have told me all 3 times my balance is {$0.00}. THERE IS NO DEBT!!!!!!!! 

My credit history is in jeopardy from NATIONWIDE CREDIT , INC for a debt I don't owe. 

NATIONWIDE CREDIT , INC XXXX XXXX XXXX XXXX, DE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.

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 2021-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are several accounts showing wrong information on all three of my credit reports. I have disputed these inaccuracies with all three bureaus and they refuse to remove them. Instead they are continuously updating the information in their system. I am one of several consumers who's information was apart of the XXXX  data breach.

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 2021-08-06 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:
Equifax is reporting alleged accounts on my consumer report without my permission. Congress has said so and they are in violation. Attached is an affidavit of truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After noticing fraud on my credit I attempted to place credit freeze with Experian and they refused to do so. Please help.

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 2021-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank hit my account with a " removing CTC Chase 21 Day Overdraft Assistance from XXXX '' fee iao : {$110.00} today. This has now overdrawn my account. 
On XX/XX/XXXX, the government deposited a {$250.00} child tax credit, they CLAIM this " FEE '' was a " draw '' given to me to cover the " insufficient funds fees '' - THEY WRONGLY charged me during those dates. I had called and complained and they REVERSED THOSE FUNDS. NO ONE told me about ANY {$110.00} CREDIT or ANY kind of 21 day policy of taking this CREDIT BACK that I didn't ASK FOR. I asked for my OVERDRAFT FEES to be reversed because I had transferred money from my other account and shouldn't have been charged overdraft fees to begin with!!!! 

I spoke to a " manager '' today and asked to speak to her " manager '' and was put on hold and then hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I have been denied 6 times for teacher loan forgiveness. I have been over my paperwork 6 times with FedLoan Servicing and they don't understand why I am getting denied either. I have been told that I can not speak with anyone at the government level and that I can only communicate with FedLoan Servicing. FedLoan has even talked to my employer, XXXX XXXX XXXX, to confirm employment for 5 years and I keep getting denied. I need a concrete answer as to why I am being told I have not done 5 years of service when I have. Where is the lapse in my service so that I can understand how to fix it if there is even an error on my part. Thank you! 

It is my understanding that you can teach at different schools within a district as long as the schools are Title 1. In XXXX, I had split duties between XXXX XXXX XXXX and XXXX XXXX XXXX. In XXXX, I was assigned to XXXX XXXX XXXX. From XXXX, I was assigned to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXXXXXX -Date Opened : XX/XX/XXXX XXXX - Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/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 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I use Barclay Card and went to use my app and they had said I needed to call XXXX for Service, not sure why no notice or email. I called this number two phones at a time and set on hold for longer then 45 minutes 6 times and nothing still. I finally called another number to get my payment paid but he said I had to talk to customer service before my online would be active, he transferred me, and then disconnected me instead. i am still currently on hold for another 25 minutes and counting and nothing still. This is complete waste of time for a working individual. Credit Card Companies should be ashamed of themselves for this kind of service.

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 2021-08-06 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: PA

Complaint narrative:
I have sent 2 certified letters to Equifax and XXXX regarding unauthorized inquiries on my credit reports These companies listed by them did not have permissible authority to view my credit report since I am a victim of idently theft However they have not removed those inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 Portfolio Recovery Associates llc Att : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, ( 1 ) the name and address of the original creditors, ( 2 ) copy of the oral or written request or application for the alleged accounts, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditors, and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 

Sincerely, XXXX XXXX XXXX ( Authorization to Release Information ) cc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Huntington Debt Holding LLC
State: TX

Complaint narrative:
This account from XXXX XXXX was paid by XXXX XXXX XXXX ON XXXX.I was told that the account was never sold at all.I have tried to contact Huntinggton Debt Holdding with no reply.The account showed up like two weeks ago on my XXXX  credit report but has a date of XXXX.I have never received any letters in the mail regarding the account. {$610.00} was paid on XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: SC

Complaint narrative:
the incident is that Covid came and i loss 60 % of my income and email Conns and advised them of that but i didnt have no luck. i was told i in the i already ask for extension on my payment which it was paid but i dont remember making those arrangement but i ask for options for folks who lost their job or reduce income that cant make their payment. i was adv no options was available. i stop receiving alerts of payment and didnt receiving any calls. so i reach out to them today about options and all they wanted to know when and how much i was paying. this has already impacted my credit but im months behind and was told there still no options just to pay it before it charge off. i need help this is my second account i had this them and i would be current if i didnt had a loss of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: SC

Complaint narrative:
For over a year I have informed transunion that I should not have a suffix of XXXX. I am not a male. I have contacted transunion multiple times. Yet the issue has not been resolved. Thanks so much. I have put you on notice and reporting this to consumer financial protection as you have failed to correct your error. I have reported this to the executive of transunion team with no response XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I attempted in XXXX of XXXX to pay my mortgage directly from my payroll to Wells Fargo Bank NA which was identified as the third party that would receive payment for XXXX ( yes, that XXXX ) DBA XXXX XXXX. 

The funds were not credited by XXXX XXXX which has prompted a 10 month wild goose chase to try to recoup these funds. 

I have provided a Letter of Indemnity twice to the fax number provided by Wells Fargo in order for them to investigate my claim and go into the account to recoup my funds. 

Wells Fargo has not acknowledged receipt and has not made contact with me regarding the disposition. I would really like the {$1300.00} returned.

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 2021-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX XXXXXXXX 2. XXXX XXXX XX/XX/21 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXXXXXX 5.XXXX XXXX XXXX 6.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX 11.Ally XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!

Company response to consumer: Closed with explanation