vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 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: MI

Complaint narrative:
On XX/XX/XXXX, Barlaycard US sent me a letter stating that my credit card ( barclays arrival plus world elite mastercard ending in XXXX ) was closed due to " your history of account usage ''. I received the letter on XX/XX/XXXX20 and responded with a letter on XXXX/XXXX/20. I requested 4 things : 1. For information regarding the closure since their statement was vague and unclear. 
2. For the account to be reinstated as I had kept the account in good standing. 
3. A refund of the annual fee paid earlier in the year in the amount of {$89.00} as the membership fee was for an annual membership and they did not fulfill the annual membership. 
4. A credit in the amount fo {$430.00} as I had XXXX points remaining in my account on the day of closure. These points could be used at a $ 0.01/point ratio to credit travel expenses. On XXXX XXXX, 2020, I made a charge to " XXXX XXXX '' in excess of {$700.00} and this charge would qualify as a travel charge, so the point could be applied to the charge. 

On XX/XX/XXXX2020 Barclaycard US replied with a letter simply stating " ... We are unable to complete your request ... '' with no additional information. 

My first concern is that I would like a credit in the amount of {$520.00} for the annual fee refund and a usage of the remainder of my points.

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 2020-12-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.

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 2020-12-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been sending letters to the credit bureaus for months to correct the misreported accounts on my credit report and have NEVER received a response from them. 2 months ago I filed a complaint with the CFPB for them to respond to me and even so, the credit bureaus continue to ignore me.

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 2020-12-11 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: OH

Complaint narrative:
There is inaccurate things on my credit report that I have sent to Experian plenty of times. I have also told them they are violating 's the FCRA guidelines and rules but clearly they don't care. Again they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and reinvestigation, they stated in writing that they verified that these items are being reported correctly but again who verified these accounts? You have NOT provided me a copy of ANY original documentation aka my signature on the contract as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Lastly, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .I 'm sure they know that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be 100 % verified. They say they don't have my ID and SSN to prove its me sending these letters and complaints in but they do! I am resubmitting my ID and SSN and proof of address with this complaint. Again why aren't they following the rules because I didn't make them I am only following them!!!

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 2020-12-11 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 — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have a Fed Student loan that is serviced by Nelnet I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact Nelnet to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Credit Plus Inc
State: GA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CREDIT  PLUS  add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Choice Recovery, Inc.
State: OH

Complaint narrative:
On XX/XX/2014, CHOICE RECOVERY add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2020 I have sent letters to verified this derogatory this on my credit report and it is hindering my credit. The amount of Argentalre {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} Original creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$440.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc.
State: NE

Complaint narrative:
On XX/XX/2020 my mortgage was sold from Prosperity Home Mortgage to XXXX XXXX. PHM never informed me of the sale by mail, email or telephone. Due to this, I made my first payment on XX/XX/XXXX using PHM 's online payment service. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX dated XXXX XXXX, 2020 stating that my mortgage had been sold and my payments effective XX/XX/XXXX were due to them. I immediately called PHM on the XXXX of XXXX and was assured that my payment was being transferred to XXXX XXXX. As of the time of my writing this on XX/XX/XXXX, the payment has still not been sent to XXXX XXXX. I have contacted PHM on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have been told they will look up my issue and get back to me with an update. They have not once followed up with an update despite taking down my phone number and email during each call. If I had been properly notified of this mortgage sale by Prosperity Home Mortgage I would be in this situation and would've made the payment on time to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a Fed Student loan that is serviced by XXXX I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact XXXX to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless 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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ASPIRE FINANCIAL INC.
State: TX

Complaint narrative:
I checked my credit before applying for a cash out re-fi. All 3 reports show in the high 700 's and was told I could get a rate of 2.375 %. 

I gave permission for Texas Lending to pull my credit. They said I have a XXXX score and couldn't give me a reason and tried to give me a higher rate. I called and requested an explanation and offered to share screen shots of all 3 agencies showing my credit score. I was told a mortgage score is different and that I needed to repair my credit. 

I believe this is fraudulent and they want to give potential customers higher rates. 

Texas Lending was the company and below is the agent. 

XXXX XXXX XXXX XXXX XXXX TexasLending.com XXXX. XXXX  XXXX XXXX # XXXX XXXX Direct  XXXX XXXX fax XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I reached out to XXXX  and was told I need to file a complaint with FTC or police. I then called Capitol One who were very helpful and found that a fraudulent application had been submitted in my name on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: IN

Complaint narrative:
Caliber Home Loans is not following the provisions allowed under the CARES Act for my XXXX XXXX loan forbearance extension request. 
The end of my initial 180 day forbearance period is XX/XX/XXXX. I received a letter in the mail explaining my options ( dated XX/XX/XXXX ), one of which is an extension of up to 180 days. 
On XX/XX/XXXX I called Caliber Home Loans to request an extension on my forbearance for the full 180 days. I spoke with 2 representatives who both told me their system will only allow a 2 or 3 month extension. 
XXXX XXXX and the CARES Act make it clear that if an extension is requested is shall be granted to the borrower. I feel Caliber is not allowing me the provisions that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
im complaning because they have my money on hold and they are saying its idenity theft they are saying that somebody had stole my idenity my name is XXXX XXXX. and im having problems getting money off my debit card i have a chime card. u can reach me at my cell at XXXX please help me thanks and i like to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: NORTHWEST BANCSHARES INC
State: PA

Complaint narrative:
This account is being reporter as a " Charge off '' it was never charged off and the balance is paid in full. This needs to be removed and corrected on my credit report. 


Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$10000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$10000.00} Monthly payment

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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I mail a certified letter to TransUnion to have 4 unauthorized inquiries removed that I do not recognize on my recently pulled credit report. The letter attached is their response which showed that nothing was done and I could sign up for another one of their service products to help with that. Tried calling the 800 on XXXX XXXX, 2020 but could not get through. It seems as though this letter was sent without any work done to look into the issue and provide a resolution. I am very concerned with my credit especially as it relates to unauthorized inquiries as just does not seem as though they are.

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 2020-12-11 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: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
I am writing to VALLEY EMPIRE COLL CO agency because I am having difficulties with applying for new credit cards. I paid the collection and do not owe anything, but the mark in my reports prevents me from achieving the desired results. 
I am kindly requesting VALLEY EMPIRE COLL CO agency to remove this collection from my credit reports as a gesture of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( date ) I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person.

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 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I had an XXXX XXXX credit card issued by TD bank for several years as my primary credit card. When the card was an XXXX XXXX credit card, I received their mail including new credit cards and statements. So for several years my address worked fine. Then the card switched then from being XXXX to a TD cash credit card and an issue with my address occurred without me changing any information. 

When the switch occurred, TD bank made an error with my address, which made it so I no longer received any mail from them including the new credit card and statements. Therefore, I received no paper statements of what I owed them through the mail. Also with no credit card number, it is impossible to setup an online account or go through the forgot my username/password link. The only communication I had was an e-mail saying I owed money to a credit card I never saw. In the e-mail, it said If you have any questions, please call us at the number on the back of your credit card., which is impossible for me since I did not receive a credit card because of TD bank. I had tried to login to the site using my previous credentials for the XXXX banks credit card site. After that did not work, I assumed that I had just fallen for a phishing scam, because I had no evidence that I actually was issued a credit card from TD bank. 

With no way for me to view either paper or electronic statements, because TD bank messed up my address, they started to charge me late fees for reoccurring payments on a card that I had not received, activated, or used. I noticed in the spring of 2020 that my credit score had been lowered and after checking the report that I had late payments on a card I had not seen. When I called TD bank on XX/XX/XXXX of 2020, the person on my phone told me that their system showed that my mail was returned, so I had not received the credit card or statements through no fault of my own. If the address I had given was incorrect then I would not have received mail for several years while this card was an Ally bank credit card, which was not the case. 

I have filed a dispute with TD bank stating the above, and they responded by erasing my balance, but said the record of late payments would stay. I also tried to dispute the late payments through the credit agencies, but they only removed the last late payment, since TD bank had cleared my balance for the last month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: KS

Complaint narrative:
I received a USbank Reliacard in the mail and I did not request it. I am not eligible for unemployment benefits and did not apply for any. I tried to call USbank and can not get through to a person to talk to. In my attempts to get to a live individual, the company wanted too much personal information that I was not comfortable providing. I am concerned that someone has obtained my social security number and applied for these services in my 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 2020-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am tryuing to give Experian money and want to purchase Experian 's additional services. Before I do, I have questions that are not answered on their site. But Experian doesn't have the ability to have live conversations. I would like someone to call me to answer couple questions before I give them money.

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