vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 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: DISCOVER BANK
State: WV

Complaint narrative:
Hello - I am contacting regarding Dispute XXXX. I sent you an e-mail from the merchant that clearly states that a refund will be offered, that the supplier they were using had issues and that the empty package was their fault and they apologized. I offered them photos at the time, and they said there was no need. You then responded by saying that the case could not be moved forward without more documentation, which makes no sense as I provided ample evidence that I am due a refund. 

I then contacted you on XX/XX/XXXX. I spoke to an agent named XXXX in XXXX. I repeatedly asked for a supervisor when she refused to assist me, and eventually she hung up on me instead of transferring me to a supervisor. 

I am attaching a full recording of the conversation with the first agent that transferred me to XXXX and with XXXX. I am also attaching the e-mails showing I am due a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: CA

Complaint narrative:
A charge was made on my Barclays XXXX in XXXX which I disputed. by calling the number on my card. They said they couldnt resolve at that time, to call again during business hours. I did so the following week, they said they would forward my complaint to to the fraud department. I called again, they said they never got the complaint. I called again, was on hold for over 30 minutes, operator came on, call immediately disconnected. Variances of this continued to occur from XXXX to XX/XX/2020. I cancelled my card in protest because I told them I lost trust in their services and are practicing predatory lending as I continued to receive bills with late fee charges. In XXXX I was told I needed to send my statements to the fraud dept. I asked why they couldn't do it, it is their own system. They gave some convoluted response. Information faxed to them three times, each time I call after it is faxed they tell me I have the wrong Fax number. Everytime i am on the phone with them it is a 15-20 minute wait time, then another `5-20 minutes of the same questions and silence about account numbers, and who I need to speak to, but when transferred, call is dropped. I have done everything they have asked, done my due diligence, and they cont to charge me late feels on a XXXX dollar charge I have been disputing for seven months. It has affected my credit score in a negative manner and they have no intention of resolving it and continue to drag it out without even so much as a case number. For XXXX  months. Over a XXXX dollar charge. I now have XXXX dollars in late fees and a credit score that has dropped XXXX points because of them. 
FAX numbers given by their 'customer service ' people include : XXXX also XXXX and XXXX first fax bounced. Called barclays, they said it was the wrong number, given second number which went through. No response for 4 days. Called XXXX, told I had to call back during business hours because the fraud dept was not there. Called again, spent 23 minutes on the phone, given the third number, put on holds intermittently for up to 7 minutes at a time, then disconnected, again. This is affecting my credit rating and judgement by other lenders during a pandemic and it is not okay. 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 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX, 2020 To Whom it May Concern : I had a promotional plan for a purchase at XXXX on a Comenity card. I had to pay off the purchase by XXXX 2020. The balance to be paid off was {$450.00}. I paid {$450.00} on XXXX/XXXX/2020. They did not apply the {$450.00} to the purchase. Instead applying it to the amount due in later that month. They then in XXXX charged me {$410.00} in interest. I contacted them and spoke with four separate people and spent hours on the phone. Although each person I spoke with said that the payment had been received to pay off the promotional plan they said that I hadn't paid the " current amount due '' of {$35.00}. That {$35.00} was not yet due and when it came due they applied some of the {$450.00} to the {$35.00}. That then allowed them to charge me the {$410.00} in interest. No one would correct the problem. This is wrong and they refuse to correct it. I need help please from someone. They will not fix the problem. The highest level I spoke to was XXXX ID # XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Commercial Acceptance Company
State: NC

Complaint narrative:
For several months now, I have been receiving harassing phone calls and collection notices from a collection agency named Commercial Acceptance Company, in regards to a debt that's owed to a fire station in the state of DE. I am quite aware of the debt, and it was included in a Chapter XXXX bankruptcy that was filed a year ago. I have told the collection agency this several times. I have also given them the name of my attorney, and the number to the bankruptcy trustee ; but for some reason they continue to harass me directly. Bankruptcy law is supposed to protect individuals from harassing collection agents. I included the debt in my structured repayment plan ; however this collection agency believes that they can operate outside the bounds of federal law. I am attaching a copy of the latest threatening collection letter I have received from Commercial Acceptance Company. It will be the first page of my attachment. You can clearly see their latest letter is dated XX/XX/XXXX. The rest of the attachment is my bankruptcy filing paperwork from XX/XX/XXXX. If you look at page 5 of the list of creditors, you'll find XXXX XXXXe XXXX XXXX  XXXX as the 5th creditor from the bottom. That is the original creditor that Commerical Acceptance Company claims to be collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY 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 2020-08-21 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a mortgage payment of {$1600.00} on XX/XX/19. I talked to my single point of contact, XXXX XXXX, and told her we were short but could make a partial payment and would make up the rest when we could. We went ahead and made a payment of {$1200.00}. We also later made a payment of {$75.00}. 

Going forward I went ahead and continued making payments for the loan due XX/XX/19, XX/XX/19 etc. It turns out that Shellpoint took the money I paid for XXXX and instead of applying it to the loan they posted it to an unapplied account. As I continued to make payments every month they would apply to the previous month and report it as late. 

They continued to do this until the fall and then initiated foreclosure proceedings, over {$290.00}. When I received the foreclosure notice they said all I had to do was pay the {$290.00} and the account would be current, which I did. But they reported 9 late payments to the Credit Bureaus. Nine. This has destroyed my credit rating. 

I have tried to resolve this with Shellpoint and have this removed from my credit reports. They have refused. I said they should have just told me that all I had to do was pay the {$290.00} and it would be resolved. They said they sent me a letter in XXXX but I received no such letter. They said they called about it. I can tell you this. We have an invalid daughter at home. She did say that Shellpoint would call 8-9 times per day but never leave a nessage. I have confirmed this through phone records, that Shellpoint was calling a land line 8-9 times a day, which by the way is considered harassment in the state of California.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I need your help in regards to problem I continue to have with Navient Student Loan services. I have been dealing with them for several months regarding my son 's student loan that I co-signed on. Due to both of us losing our jobs in XXXX through XXXX and not being able to gain employment until XXXX, we could not pay on the student loans. This summer during the month of XXXX and XXXX I started getting calls and emails to my work number and work email address. I filed a complaint to you all and they have stop doing that. I told them I could only pay {$200.00} per month on the loans which I did in XXXX and XXXX. Three days after I made the XXXX payment, they defaulted on the loans. Then I get an email from their recovery unit about options. They started calling me again, during work hours. I sent several emails advising them of my options to pay {$200.00} per month and that calling me during work hours is not an option. There is no available time to call them after work or weekends since they only accept calls during XXXX to XXXX eastern time. I am on the XXXX time zone so those hours are either too early in the morning for me or not late enough in the evening. So I have ONLY one way of communicating with them and that is through email. I get an email today saying that I have not tried to contact them and that if I don't then they have no option but to go to the next level. Well that is a complete lie. I have contacted them SEVERAL TIMES through email. They only responded once through email telling me that the payment option I provided them was not acceptable. I don't feel that Navient wants to works this out in good faith and just going through the motion to pretend that they are. I have asked for documentation on options and they refused to give me any. They just simply ignore my emails and continue to call during hours that I am not available. I really don't understand why Consumer Financial Services or XXXX XXXX XXXX is not going after Navient. They break all debt collection regulations by calling/emailing people at their employment. They hack into businesses network to get email addresses ( that is the only way they could have gotten my work email ). I don't know what else to do. Can you guys please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: FL

Complaint narrative:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital one will not refinance my loan. I have paid XXXX $ + and owe XXXX more. Ive made payments consecutively of XXXX a month for the last three years and will be paying twice as much for the vehicle. They wont refinance me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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:
I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY 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 2020-08-21 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORTS AND I HAVE DISCOVERED THAT SOME UNUSUAL ACTIVITY HAS BEEN TAKEN PLACE THAT I WAS VERY UNAWARE OF. THE ACCOUNTS AND INQUIRIES LISTED ON THE ATTACHED IDENTITY THEFT REPORT, DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM REQUESTING AN INVESTIGATION INTO THIS MATTER AND ALSO A TIMELY REMOVAL OF THE FRAUDULENT ACCOUNTS AND INQUIRIES OFF MY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: PA

Complaint narrative:
This is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: PA

Complaint narrative:
This is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

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 2020-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  NA is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # 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 2020-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This all ocurred through Citibank Wire Transfer Services. The case number assigned by Citibank for this incident is XXXX Intiated international wire transfer of {$1000.00} ( converted to XXXX New XXXX Shekels ) to daughter in XXXX on XX/XX/2020. Found out I had wrong XXXX # but correct XXXX XXXX. 

Amended wire transfer on XX/XX/XXXX. At the time of amendment, Citibank representative confirmed the new XXXX number I gave. 

XX/XX/XXXX - Received letter of confirmation about the amended wire transfer XXXX the one from XX/XX/XXXX XXXX but XXXX number was wrong - not the original wrong one from the XX/XX/XXXX event and not the new information provided and confirmed on XX/XX/XXXX. 

On XX/XX/XXXX - contacted the bank again and we corrected the XXXX number ( again ). Promised money would be available to Recipient no later than XX/XX/XXXX. 

XX/XX/XXXX, received another letter from Citi confirming the XX/XX/XXXX amended transfer information. All correct and we forwarded to recipient so she could track with her bank. 

XX/XX/XXXX, contacted the bank again because recipient was told by her bank that they had no record of the transfer. Spoke to supervisor, Requested a cancellation of the wire and that all the money be returned to our account. XXXX explained the process for requesting the return and confirmed that the transfer went through to Citibank 's subsidiary in the country XXXX Citibank XXXX XXXX and so the breakdown in communication appeared to be with the Citibank office in XXXX XXXX.. XXXX promised to investigate and call me back with an update on Friday, XX/XX/XXXX. 

XXXX XXXX, as I write this I have not heard from XXXX at Citibank with the promised update. It is currently XXXX in her time zone.

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 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
So this merchant (XXXX ) on XXXX was offering to sell XXXX products at a very reduced price ( 50 % off ). After asking him about it, he told me he would sell me the method on how he did it. After purchasing, I saw that this guy had been using illegal methods to get his customers cheap products from XXXX. It involves ordering a product to a clients address, filing a return and shipping back something else in place of the ordered product. This is mail fraud and I wanted a refund for both of my transactions, however only 1 has been refunded. This guy has been using this to make thousands of dollars, as seen in the attached pictures. The method is also linked below. My dispute was closed without notice. I was told that the dispute would be resubmitted but that never happened. If there is no reimbursement given, this company is siding with the scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 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: GA

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF EDXXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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