vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I recently had disputed a XXXX late with Synchrony Bank Care Credit and they responded stating they would not be removing my XXXX late as they were reporting accurately even though I was set on auto draft. I thought that was the end of it and was very disappointed. I however, recently checked my credit and noticed that Synchrony Bank Care Credit had removed the late from XXXX and put it on for XXXX?! Not only that, they really affected my credit by saying it was a brand new late. I was never late for XXXX or XXXX! You can not just move lates around and continue to hurt my credit score. This is ridiculous and as a long time customer, I had never been late before and this was just so infuriating that you dropped my scores from the high XXXX 's to low XXXX 's. Then that wasn't good enough so you removed and added a new late bringing my scores down again?! I need you to remove these lates and stop damaging my credit.

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 2021-03-23 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: NC

Complaint narrative:
I have a Barclay 's Aviator Mastercard. I have always paid on time until the last 4 months when on 2 occasions my checks were delayed in the mail for 1 month either by the Post Office or on Barclay 's end. I have documentation from my bank that I have paid in full ( minus Barclay 's late penalties and fees ) for everything from XXXX until the present. In XXXX I made a wire transfer from my bank to Barclays on XX/XX/2020 because I received a call from Barclays that they had not received my check in the mail. At the same time I stopped payment on the check which had not arrived by XX/XX/2020. I have documentation from my bank and online at my Barclays credit card account that the wire transfer was received and the check was cancelled on the same day. Later on XX/XX/XXXX the lost check arrived at Barclays and they applied it to my account ... because the check had a stop payment on it, the check was returned and Barclays reversed the payment. BUT, Barclays never credited me for the wire transfer of over {$4000.00}. I have tried 4 times to contact the company, once a representative hung up on me. Barclays has my money, I have proof, and they will not give me credit. I have paid on time for several years until this trouble with the mail over the past few months.If you make a list of what my balances are since XX/XX/2020 and my payments, you will see that I have paid in full but still retain a balance for the wire transfer and late fees.

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 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I have opened an account with XXXX and funded it with money. Now I have been waiting for over a week for them to verify my account so I can actually use the money which I have deposited. Right now my money is stuck in the account and I simply cant do anything because they wont verify the account. I have email them a few times and just simply havent heard back from them, its simply impossible to get in contact with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: IL

Complaint narrative:
I made a purchase about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.

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 2021-03-23 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: GA

Complaint narrative:
Disputed the alleged debt with the debt buyer by the name of XXXX management. They have attempted to validate this alleged debt and will not provide me with verification that I owe this debt. A signed loan agreement, signature and identification used to obtain credit. The furnisher by the name of XXXX is attempting to collect a debt on a charged off account, and also they do not have a certificate of authority to due business in the state of Georgia, I have disputed this debt several times. 
XXXX management or XXXX are both reporting to Experian and XXXX  under different names, both names of business are non compliant to do business in Georgia. 
Also, they are reporting an open account on a charged off Item.

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 2021-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MEGASTAR FINANCIAL CORP
State: MN

Complaint narrative:
So we have been dealing with this difficult lender Megastar Financial. they also have difficult reps. I called today and spoke to these reps XXXX id number : XXXX XXXX id number : XXXX. These reps refused to discuss the account and got hang up twice and put us on hold forever and even transferred me to XXXX  speaking representative just to get away. That is so rude and very unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: CA

Complaint narrative:
I reached out to XXXX XXXX because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on Transunion and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company Portfolio Recovery Associates, LLC had been repeatedly calling, harassing, even sending letters stating I owed {$2300.00} to them because they had purchased a debt from XXXX XXXX on XX/XX/2020. They reported a open collection account to XXXX, XXXX, XXXX. On XX/XX/2020 I sent a request for validation, NOT Verification letter disputing this collection. On XX/XX/2020 they sent letters claiming to have verified the account and sent copies of old statements. I've sent several dispute letters via certified mail to validate or remove this account from my credit report, they violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sell chicken coop and 12 hens on XXXX {$400.00}. The buyer sent me a cashier check via XXXX, {$1900.00}. I asked her why sent me so much, she said this money was included the movers. She push me to cash the check and text her back to let her know, On XX/XX/XXXX, I brought the cashier check {$1900.00} to BOA in corona to cash it, the banker did not verify the check was good or not, the banker did not verify the check was authentic or not, the banker did not ask me any simple questions regarding the check, he gave me {$1900.00} cash. Then I texted the buyer said I just cash the check, the buyer want me XXXX {$1500.00} to her and take screen shot send to her. I did. Her name was XXXX XXXX. Then after I finished XXXX the money I went home, I talk with my friend, she want me call XXXX XXXX back, but her phone was disconnected. In that moment I realized I was scammed. On XX/XX/XXXX, the bank took out {$1900.00} from my checking account. On XX/XX/XXXX, I called law enforcement police department in XXXX XXXX. I spoke with officer ( cousins ) he said the bank failed to verify the check is authentic or not, the bank failed to verify the check good or not, the bank failed to ask me any simple questions about the check, this is internal issues of bank system, on XX/XX/XXXX, i came back to the BOA in corona with my friend. The manager spoke with us. She admitted that her employee was new and not knowledgeable to verify the check. I am boa member for 20 yrs, and I also a victim in this scammed. I thought I have FDIC of boa protect me, I would like the boa and FDIC credit all the money back to my account. I was stressed and depressed, I felt XXXX, I dont have enough money to pay mortgage, I am hardly survive, I also emailed the FDIC about this issue, I would like the Bank of America and FDIC credit back money to me. If not I will take legal action. Please respond ASAP thanks

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 2021-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
Debt was incorrectly filed and was not filed in a timely manner with the Veterans Administration. VA denied claim for those stated reasons. Debt if for my Brother, who passed away on XXXX XXXX. Informed agency of this, and that I am the executor of his estate. This matter is prohibiting me from closing out my brother 's estate with the probate court, due to it being filed as an outstanding debt. The debt was not file correctly with the responsible agency, resulting in it be denied. Collection agency is now trying to collect against my brother 's estate for a debt that he was not responsible for. Two debts for hospital emergency room treatments. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$2000.00}. XXXX XXXX XXXX XXXX XXXX, AL XXXX in the amount of {$1400.00}. My brother was a XXXX veteran which both agencies should have file claims with the veterans administration. Debt collection company refuses to assist in this matter to resolve this issue so that I can close out my brother 's estate with the probate court. Spent 96 minutes on a three way call with collection company and VA to resolve issue, with agent from collection company became rude and offensive. XXXX XXXX XXXX XXXX. Collection company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Mn XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My fiancee and I recently applied for a new rental home and were denied because one of has " Negative Credit. '' This is the only explanation I was giving a directed to this website to find out what the issue is and resolve it. Our application was denied on Tuesday, XX/XX/2021. I know my credit score is substantial and I have never had issues with this before. My fiancee will be submitting a claim as well.

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 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this. This debt was deleted from my credit report from all 3 bureaus back in XXXX. 


" If you discover that an old debt has reappeared on your credit report as a new account or contains inaccurate information about its age or status, it might be because a debt buyer " parked '' the debt on your credit report, or re-aged the status of your debt. These debt collection practices might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX XXXX XXXX initiated contact with XXXX XXXX via email on XX/XX/XXXX with an attachment for a 1099-C form for BarclayXXXX. I, XXXX, the taxpayer, never received this form in the mail, and I have already filed my taxes for the XXXX tax year. Barclays is refusing to accept responsibility for this when I got them on the phone and asked them why I never received the form and why XXXX XXXX XXXX received it on XX/XX/XXXX, roughly a month longer than the deadline for taxpayers to receive legal documents in order to file their taxes. 

I wouldn't make any of this up, because I received two other 1099 forms which I happily filed with my taxes. One from XXXX XXXX and one from XXXX XXXX. Barclays claims they sent it out via XXXX on XX/XX/XXXX. They couldn't confirm whether they sent it to me, the taxpayer, or just XXXX XXXX XXXX, however. This is infuriating because this creates a mess for the taxpayer and quite honestly, if the company or individual responsible for sending the form can not, it should be their responsibility to deal with the after effects. I'm also contacting the IRS to let them know of the neglectful nature of this ordeal.

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 2021-03-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY fcra violations not mine all listed on all : XXXXXX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$16000.00} written off. 
Account TypeCredit card Balance {$16000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$810.00} written off. {$810.00} past due as of XX/XX/2021. 
Account TypeCredit card Balance {$810.00} Date XXXX Dispute XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3600.00} written off. {$3600.00} past due as of

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 2021-03-23 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: LA

Complaint narrative:
I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX.XX/XX/XXXX/ Opened XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX Opened 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 2021-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Recovery Systems
State: WA

Complaint narrative:
On XX/XX/2021, I received a call from someone who identified himself as XXXX XXXX, a lawyer with CRS & Associates. He informed me that he had been trying to get in touch with my mother regarding a " bad check '' that she wrote nearly five years ago, and he told me that if she did not contact him, he would soon file a case with state court -- he did not mention which state. He told me that he was pursuing the debt collection effort now because the statute of limitation was 5 years, and it was nearly expired. He then said " I probably shouldn't be sharing this much with you, but ... '' and proceeded to tell me which bank that the check had been written from, and the check 's date, the email that my mother had allegedly used to sign the check, and he told me that he had contacted my mother 's place of employment as well. He also told me that he had contacted my father ( no longer married to my mother ). 

After the call, I contacted my father and found out that XXXX XXXX had also disclosed to him that he was making an effort to collect a debt. 

I learned that CRS & Associates was not, in fact, a law firm, but rather a debt collection agency. I also learned that the details which he revealed to my father and me over the phone were in violation of the FDCPA, which only allows debt collectors to request contact and location information from third parties. It specifically does not allow collectors to reveal that they are seeking debt repayment to third parties or to workplaces. 

I have found several reports of unscrupulous debt collection tactics by XXXX XXXX and by CRS & Associates as a whole, and I hope that this report of blatant FDCPA violation prompts an inquiry into their debt collection tactics.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
We bought a XXXX XXXX XXXX new. We got a loan from Citizen 's Bank of XXXX. We paid the loan off in three years. Citizen 's Bank was contacted, and asked to release the lien. They did not. Several times over the years, we asked them to release the lien. They said they would, and they failed. We gave our car to our daughter last fall. We found out the lien was still on the car. We called again, the guy said he'd take care of it. Evidently he didn't. 

Now our daughter is trying to title and license the car in Nebraska. She can't because of the lien. We called and called the bank again today ... ..no luck. They said it was released according to their records. DMV in XXXX says no, it still has lien on it. 

We need some help ... and this is timely. Our daughter needs help. Please, can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have a collection on my credit reports from a Commonwealth Finance, dated XXXX of XXXX. I have not received any information of any form, bill or letter, from this company. I have called the numbers listed for the company and get a continuous busy signal each time. I have disputed this account through the credit bureaus on XX/XX/2021, because I have not been contacted by this company or have knowledge of this company/account. XXXX removed said account. XXXX XXXX XXXX are showing the account is valid as of XX/XX/2021. I have yet to receive any form of contact from this Commonwealth Financial. I have looked this company up and it was mentioned they deal with medical bills. I have not been to a medical provider in 2 years, and I have lived in Texas for 5 years, so an account dated XX/XX/2021 doesn't make sense. How old is this account? Why have I not been contacted by this company?

Company response to consumer: Closed with explanation