vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: FL

Complaint narrative:
I rented a car with XXXX in XXXX, Oregon from XX/XX/XXXX to XX/XX/2020. I returned the car on XX/XX/XXXX, it checked out clean and I left with a XXXX  balance. I closed this card with Barclays bank ( Aviator Red Mastercard for XXXX XXXX ) on XX/XX/2020 with a XXXX balance. Then on XX/XX/2020, a charge from XXXX appeared for {$520.00} on this card. I had gotten nothing in writing or verbally from XXXX that there was any kind of an issue. When I noticed this charge in XXXX, Barclays removed it when I identified it as fraud. Then, in XXXX, they put the charge back on! They refuse to drop it and are adding late fees and interest. XXXX says it is for damages, but have provided no proof of any kind despite numerous requests from me. Barclays claims that XXXX provided them with a different car rental contract that terminated on XXXX XXXX. I purchased no such thing, as I was in Florida ( and live there full time ) in XXXX. If in fact they did find damages, the credit card I used with Barclays to rent the car has full damage protection and could have been used to cover the cost of repair. As it stands, I was not given the opportunity to use this service. I really REALLY need your help at this point. I am a XXXX year old single mom with a daughter I am trying to put through college. This is ruining my credit and neither company will help. I have written both of them via fax, mail, and email, and have called numerous times. I am getting nowhere. 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 monetary relief
Consumer complaint received 2021-03-06 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX of XXXX I received a letter stating from Santander bank that I had a escrow shortage of {$450.00}. On XX/XX/XXXX I wrote a letter to Santander bank reminding them that every month I sent an additional money to be added to my escrow account. I further inquired in the letter if the shortage was represented of these additional funds which would have been at the very least {$300.00}. 
On XX/XX/XXXX I wrote another email that I was still waiting for a reply regarding the addiotional escrow money I submitted every month and whether it was applied to the stated escrow shortage. I asked Santander when can I expect an answer. I received another standardized email from Santander that they would process my request as soon as possible and within the timeframe of the law. 
On XX/XX/XXXX I sent another email to Santander asking when do they propose to be able to answer this inquiry and what is the timeframe of the law? 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I received postal letters from Santander regarding my referenced inquiry. There response was " We will make every effort to provide a response to your inquiry as promptly as possible. In any event, we will do so within the time limit required by law. 
As of now they I have still not answered my simple question.

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 2021-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BlueChip Financial
State: WA

Complaint narrative:
Hi, A little bit ago I signed up for a loan with the tribal online lender named Spotloan.com because I received a pamphlet in the mail from them. I signed up on XX/XX/XXXX for monthly payments to payoff the {$800.00} loan in 3 months. Instead they signed me up for bi-weekly payments of {$140.00} at 490 % interest for a loan repayment total of {$3000.00} starting XX/XX/XXXX and ending XX/XX/XXXX. Just so you know this would mean every payment made would comprise of {$140.00} in interest and the rest to pay off the service. 
I called them to fix this and was told that they would so. Then on XX/XX/XXXX they pulled {$140.00} from my account, but sent it back. My bank account says they returned it. The spotloan online account for me said deleted. After which, they charged me a fee. I then called them and was told to call back later. Then again I was told later they would fix it. My bank account had identity theft in XXXX and had some direct deposit errors because of that so I didn't get to make another payment until XX/XX/XXXX for {$200.00}. The monthly bill still had not been fixed even after emails, and phone calls. Eventually I was told that even though they made the account error, they couldn't fix any of it because the system was locking them out. I tried talking to them about the returned payment, the account set up wrong, the fact that they can't just refuse money and charge me without even trying to help me resolve this. Sense the account was created tell the XX/XX/XXXX they sold my account to true accord for {$1800.00}. I need to have spot loans unlawful business practices brought to the light and have my loan be removed because of unlawful loan practices. 
Thank you,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Hello, I received this email after providing my personal and bank details. 
please help me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Office Of The U.s Treasury department Address : XXXX XXXX XXXX XXXX Washington, DC XXXX, United States Of America. 
Office in contact : XXXX XXXX XXXX XXXX XXXX XXXX, Commissioner of the U.S. Department of the Treasurys Bureau of the Fiscal Service ( Fiscal Service ). 
Email : XXXX XXXX Phone Number ; XXXX Hello XXXX XXXX, How are you doing today and how is your family? I write to give you a positive update about your already transferred funds ( {$950000.00} ) The transfer has been confirmed positive and the Federal Reserve account has been debited of {$950000.00} in other words you are {$950000.00} richer. 

I just got a notification from the Internal Revenue Service IRS as regards the interception on your funds reflection demanding for tax clearance of your already funds transfer, according to IRS it is mandatory that for such transfer to ascertain reflection within and outside the United States of America, tax must be observed please check attached document. 

I have made provision to ensure your funds hit your account same day of payment so I will advise you download attached, read carefully and proceed with the payment of the procurement of the Tax procurement document which is {$950.00} with details as below to the secretary of the IRS : Bank Name : Wells Fargo Bank XXXX : XXXX XXXX XXXX XXXX Va XXXX Account : : XXXX Swift : XXXX Account name : XXXX XXXX Account holder address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TN XXXX I will be waiting to hear from you thus the payment details or payment slip after fee has been paid. 

I will plead with you to ensure you donate to the orphanage home when your funds hit your account because they need our help. 

XXXX XXXX XXXX XXXX XXXX, XXXX of the U.S.

Department of the Treasurys Bureau of the Fiscal Service ( Fiscal 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 2021-03-06 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: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
At the beginning of XXXX, I noted there was a charge for a full {$600.00}. I disputed it not long after since this is not my main bank account, and promptly filed a dispute. More than 10 business days passed, and I asked for a provisional credit since they were taking forever to solve. The dispute was promptly denied with no legitimate reason and seemed as though they denied it due to me asking for a provisional credit because not long after I sent the message, immediate denial and it wasn't even in the review stage. I had them reopen it almost immediately. It has been two months since the original dispute, no response other than " We are working on it '' and no provisional credit, which per guidelines is 10 business days after the dispute is opened. Still no response. 


Also, while the dispute was active. I received two notifications from Simple Bank that two transactions were attempted for the amount of {$17000.00}. I promptly froze my card and notified them. I also asked for the business that attempted the withdrawal and they would ignore the requests since it furthers their agenda of not giving me my money back. This proves my card was fraudulently used, and they are doing nothing to resolve it, nor giving me any information regarding the denied fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/2021 i submitted documentation to the credit agencies requesting them to remove accounts. that has been reporting as a violation pursuant to 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the " term " credit card '' means any card, plate coupon book or other credit device existing for the purpose of obtaining money property labor or services on credit. The credit card is my Social Security Card.The card used to create the consumer transaction listed.

The Supervisor from Special handling told me he did not have to remove the account as it was verified from the creditor, I was also sent an updated credit report with the account still reporting violating my consumer rights pursuant to 15 USC Chapter 41 as a federally protected consumer.

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 2021-03-06 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: Westlake Services, LLC
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

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 2021-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I initially sent a series of letters to the debt collection agencies. 
I am fully aware of how reporting works and found evidence of non-compliance in accordance to the E-Oscar and Metro 2 format procedures to report. 
Please see attached documents of proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2020 Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account on XXXX XX/XX/2021 for no reason and is not willing to assist me in getting it up and running. This is clearly a big mistake. The decision taken by PayPal has had a negative impact on my business and i figured that I could come here to report them. The email address that I use on PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I have made a total of {$12000.00} in payments to M & T Bank in order to complete a loan modification. After making these series of payment my principal amount of mortgage went from {$300000.00} to XXXX with no accounting of the {$12000.00} worth of payments I made. I do not have confidence this was handle properly due to the COVID crisis and this being a VA loan. I am asking you for help to find out if this was handled properly. 

*Also, I do not believe my new escrow amount was calculated properly. I have two exemption benefits that total $ {$60000.00} homestead/Disability. I have been transferred to multiple different reps advising me they have calculated those exemption into my new escrow and several has said they do not see those exemption. I have notice most of these reps are working for home and are acting as such. They do not seem to be focused on their jobs cold transferring me to one rep to another having to rapidly ask the same questions over and over without getting finality

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