vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 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: NC

Complaint narrative:
I received offers by email for " 0 % APR for 7 months ; 0 % promotional APR on all your new purchases including online purchases, made between XX/XX/2021 and XX/XX/2021 with your Wyndham Rewards Visa Card. Use your card and save on everythingfrom everyday purchases to big ticket items. '' However, after making purchases during this time period the company is saying it wasn't 0 % by transaction and that even if I bought something on XX/XX/XXXX to avoid interest I would have to pay the purchase in full by XX/XX/XXXX to avoid interest. I asked how does this correlate with 7 months of no interest as the promotion stated. I made the purchases during the promotion period with the understanding that I would have 7 months of no interest on the purchases and on all purchases not just the ones made in XXXX. This is extremely misleading since the offer, as they have now explained, really just meant only purchases made in XXXX would get the 7 months of the 0 % promotional APR. I had even called on 2 occasions before expecting this offer before the deadline to accept it in XX/XX/2021 and the offer was not explained in the manner they are now saying it was to work. This offer was very poorly written based on the way they are now enforcing it.

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 2021-09-26 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: AES/PHEAA
State: MD

Complaint narrative:
Hi, I am currently trying to become eligible for the public service loan forgiveness program. As you are aware, in order to qualify, you must make 120 timely payments on the loans to be eligible for forgiveness. Over the past 8-9 years, I have been making timely monthly loan payments under the IBR program . I make a single lump-sum payment, and the servicer applies the payment to the nine different loans that constitute my universe of law school student loans.

For eight of my nine loans, I am right on track for forgiveness -- - I only have a year and a half to two years left of payments to make left. For one of the loans, the servicer said something like five full years of payments were untimely. The servicer agrees that I made them, but has deemed them untimely. However, as stated, during those five years, I made a single payment to the servicer, and they attributed the payments made to the individual loans. So, even when I made a timely payment ( and they correctly attributed the timely payments to eight of my nine loans ), the servicer delayed the attribution of a portion of my payment to one of my loans, such that the payment ( in their internal system ) is late. But that " lateness '' is due to their actions, not mine.

Accordingly, for one of my nine loans, they state that I will not be eligible for forgiveness until XXXX or XXXX ( my other loans will be eligible for forgiveness in XXXX or XXXX ). I raised the issue with my servicer, and after considering it for 8 months, they rejected my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I am still having a negative collection being reported to my credit after being paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: LA

Complaint narrative:
I filled a compliant with you in regards to my investigation that was performed with the credit bureaus and your response was that " the company responded that I was not an authorized representative ''. I have no idea how that would be so!!! Please re investigate. The old complaint # was 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 2021-09-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax refuses to remove the security freeze they put on my account without my consent. They keep sending me stupid items in the mail asking for more information. I REFUSE TO continue to respond to their stupid requests and demand that they immediately remove the security freeze. I have had enough of this XXXX XXXX company and am going to file suit in the United States District Court for the XXXX District of California unless they immediately remove the freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. I've had this card since XXXX. I received my statement by mail in XXXX and when I attempted to log in and make a payment ( like the prior 12 years ) I was unable. I called XXXX  ( Barclays ) and asked to make a payment over the phone, also said NO. Something about their system being down and the business cards are being transitioned to a different system. So, as of today ..... 

I've bee unable to log into my account online so see transactions or be notified if there is a fraudulent sale. 
I'm unable to make a payment over the phone. 
The customer service people say they can't see my account????? 
The card seems to be working but I'm very concerned Barclays will charge me late fees or interest. I never carry a balance on my cards.

Please help me push Barclays to get my online access and online payment option available.

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 2021-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc.
State: CA

Complaint narrative:
In XXXX of 2021 I reached out to make a payment towards the principal of my loan. I paid {$10000.00} and there was still a high amount of interest taken from the payment. Today XX/XX/2021 I logged in to my account to make a payment towards the principal and I don't have the option to do that. The web portal only allows me to make a payment in full. I started a chat with a rep who stated I could make my payment and then make another payment in the exact amount ( in full ) and she thought that would go to principal. I told her I was not wanting to make another payment in full but just an additional amount of {$500.00} to go towards the principal of my loan. She said their web site does not provide that option to those clients who make payments manually but that their ( auto pay ) clients have the option to pay extra like that online. That I would have to mail a check that would need to be received within a certain timeframe for it to work for me. I told them I should have the same option to make extra payments to the principal of my loan regardless of how I was set up to make my payments. It's harder for me to pay my loan down than it is for someone else because I pay manually online. I told the rep it felt like I was being punished for the way I was making my payments. I was informed the rep would send my request to the production team. It doesn't seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.

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 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
I received a letter from CBE group on XX/XX/2021 claiming to have an unsettled debt, originally from XXXX XXXX. They listed the original creditor as " XXXX XXXX '' and the current creditor as " XXXX XXXX XXXX XXXX ''. I have not received any prior correspondence from any of these entities. No other details about the alleged original transaction are given. No dates, original amount allegedly owed are provided. I have never in my entire life had any service nor completed any transaction with/through XXXX XXXX XXXX This is the first time I've received any notification of this alleged debt in any capacity from a collection agency, nor have I received any notification or bill from XXXX XXXX at any point. The letter explains I must send a letter disputing the charge, but that this will only " provide me the name and address of the original creditor '' but not correct the error. 

I have mailed a letter refuting the debt to the collector on XX/XX/2021. 

I filed a letter of complaint with the Office of the Washington State Attorney General. 

When I called XXXX XXXX on XX/XX/2021 and explained I have been fraudulently charged or a victim of identity theft, they verified there was an outstanding debt tied to my social security number, then told me to contact XXXX XXXX XXXX and hung up. 

In short, XXXX XXXX appears to have allowed someone to open an account under my name because of lax security protocols, made no attempt to contact me directly so I could dispute the charge, then sold the debt to a collector ensuring I have no other avenue of recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
We have a XXXX XXXX XXXX credit card with hundreds of thousands of points. We find it virtually impossible to use our copious points to book travel. Yesterday we were locked out of our account ostensibly because our account number, member number and password do not match their records. I have spent hours going through all of their online options to fix this but find nothing. You must be able to log in to do anything and I can't log in. None of the preprogrammed options address our problem. If you try to call them you get a preprogrammed message that says they will call you back but they never do. I was able to reach a human being on a number associated with our local airport but he could not help me because our account access is locked. Now I can't find a way to unlock our account. I just want to find a way to use our miles and change to a different credit card.

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 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX XXXX XXXX calls me extremely frequently dispite me requesting them call me outside of work hours. I gave them specific days and times to discuss matters with me but still they call. They call me on Sundays, they also call me Saturdays and past XXXX. They use fake phone numbers to contact me with local phone numbers so I mistake them for my clients while I am at work. I have asked them numerous times to not contact me via phone on weekends, yet they still do. I requested they only contact me via writing, they do not. It is harassment at this point.

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 2021-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Date occurred : XX/XX/2021 Location : XXXX, Texas Approx. Time : XXXX XXXX 

Amount : {$1500.00} ( XXXX-XXXX, XXXX-XXXX, and XXXX dollars ) Details are as follows : I received a notification from my financial institution notifying me that I wire transferred the listed amount above to, an unknown receiptient. As soon as I received the notification, I immediately called Wells Fargo 's Fraud/Online ACH department to report the unauthorized transaction. The representative began a claim on my behalf, and after the case was processed the results indicated that there was no suspicious evidence to report. The financial institution claimed that I received a confirmation code to approve the transaction, but I never did. I requested official cellular data transcripts from my cell phone provider to further prove I did not receive that message but I need a lawyer and/or subpoena to acquire those documents.

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 2021-09-26 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: ECMC GROUP, INC.
State: CT

Complaint narrative:
ECMC is my loans servicer. Since the pandemic began, the law States that the federal student loans shouldn't not be charged interest. Yet, ECMC keeps on charging me interest and reports them on my credit report. I spoke with last XXXX, they told me they were going to fix it. They never did. Last month they started garnishing my paycheck when in fact the pose is due until the beginning of next year.

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 2021-09-26 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: NY

Complaint narrative:
I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous XXXX correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers. 
Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: NY

Complaint narrative:
I recently received a response from your company. In regards to my original dispute. In where your company has responded that the account was verified. I sent a follow up letter which lawfully should have been responded within 15 days. That was not the case, instead I received a template letter from your company lacking all of the crucial information I requested from you. Please note, we are preparing legal action against those involved in the illegal reporting of false accounts. We request that you send the evidence requested in our previous 2 correspondence plus the following in order to help us build our case against the false reporting culprits whether it be the bureaus or furnishers.

Original signed contract ( Bearing My Signature ) Proof of ownership, the furnishers proof of ownership documents List of all names at your company who were involved in this investigation A clear and detailed explanation of what you have done in regards to my account from the moment the original dispute was filed. 
Please note the intent of this letter is not to intimidate any person or company. But I have been intimidated by the actions your company has taken against me and the way this investigation is being handled. Your actions behind a computer screen have real life consequences. I am unable to gain new credit and am forced to pay higher rates on just about everything because of the information being reported through your company. 
Please provide all of the above evidence required or immediately delete these accounts from my credit report.

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 2021-09-26 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:
On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.

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 2021-09-26 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: National Credit Adjusters, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with National Credit Adjusters ( NCA ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX  XXXX  and NCA regards to this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: PA

Complaint narrative:
On XX/XX/XXXX I paid XXXX XXXX a sum of {$560.00} to settle my debt with XXXX XXXX XXXX ( XXXX ) I was told in the letter received that the account status is now closed. Months later the account still shows open. I contacted both XXXX XXXX and XXXX regards to this but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: TX

Complaint narrative:
I disputed this company by the name of XXXX XXXX with the credit bureaus ( ( XXXX, XXXX, AND EXPERIAN ) and which all of them were deemed as verified I have asked them multiple times to provide me with original documentation that would solidify their reasoning in deeming the account as verified, they have yet to do so, which leads me to believe their investigations was improper and incomplete.

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