vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
ISSUE= I filed a dispute to contest payment due to the following XXXX XXXX Dispute # XXXX. PH # XXXX dated XX/XX/2020. 
RECAP =I purchased tickets to the XXXX XXXX , the event was cancelled, not postponed or delayed, it was CANCELLED. I have emailed XXXX multiple times to secure a full refund and they will not issue my refund. 
1. See attached email beginning XX/XX/2020 contacting XXXX  with their response 4 times, over a month time frame. Still they have not processed my credit. 
2. See attached confirmation from the XXXX XXXX confirming the event was CANCELLED and they have refunded all monies due for this event. 
3. See attached XXXX  terms & conditions as If a customer purchased tickets to an event that is canceled by the event organizer with no rescheduled date, they may receive a full refund or store credit. XXXX XXXX will provide customers with the option of receiving XXXX XXXX store credit at 120 % of the original order total, instead of a full refund. 
4. See attached article from XXXX XXXX XX/XX/2020 confirming XXXX  stating they are refunding money owed to patrons. 

UPDATED XX/XX/2020 attached email from XXXX   confirming the credit card accepted a credit on my behave, I do not want a credit, I want a full refund per their terms and conditions. Barclays is supposed to protect me from merchants who do not follow thru with the written terms and conditions.

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 2020-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: AZ

Complaint narrative:
XX/XX/2020 received a letter from collection agency regarding past due federal student loan. I immediately called the collector, Williams & Fudge. I was advised to consolidate my {$16000.00} loan along with a {$5200.00} penalty and collection fees. I was not offered any other options. 

Upon speaking with family, I found that there should be other options offered. 

I agreed to a Rehabilitation program offered for federal student loans. The collection agency promised to send me the agreement offered by the school. Instead of giving me the offer outlined by the university, the collection agency sent me a vague contract. This contract only included a monthly payment I was to pay of {$600.00} for 9 months. Nothing else. No terms as to what this payment goes towards or where my loan balance and payments are once the 9 successful payments are made. 

Two months of back and forth, they finally sent me a contract that includes terms. BUT, the terms are not what was agreed to. Still not complete, but they have managed to add over {$12000.00} in penalties to my original {$16000.00} 5 % loan. 

Upon more research I discovered that a collection agency can not cross state lines. They have made contact and continue to contact me at my parents home in XXXX XXXX. I am permanently located in XXXX XXXX   and have been even prior to their involvement. I have informed the agency that they are using the incorrect address and they don't care. 

In summary, 1 - They first deceived me into thinking that the only option was to consolidate and add an addition {$5200.00} to the loan and start over with payments. 

2 - Once they were informed of the rehabilitation offer, they still would not put the terms and condition into a contract. They continued to charge the {$5200.00} penalty even though that should have been reduced to only being on the past due amount and not the full balance. 

3 - I involved the Federal Student Loan Ombudsman office to try getting term included. They then sent me a new agreement outlining some, not all of the terms. The terms are not what we previously agreed to or what the university told us. 

4 - Finally, they are reaching across state lines as they are in XXXX XXXX and I am in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Remarks were added to all 10 accounts in response to my student loans being placed in an automatic forbearance due to the CaresAct. My credit score was  drastically affected by this action. Credit scores were improperly damaged when their federal student loans were paused due to the CARES Act. Under the CARES Act, all federal student loan payments are paused as of XX/XX/2020 until XX/XX/2020. As a result, borrowers are not required to make federal student loan payments. Further, borrowers who do not make payments should have no impact to their credit score.  Despite this law, my credit score was damaged anyway. 
I contacted the loan service company ( Navient ) who stated that they did not make any changes to my loan account. I am not past due on any of the ( 10 ) student loan accounts listed. 
They are unable to explain the drastic credit drop at this time. Also contacted the credit bureau directly and they advided me to write a letter submitting a complaint. A letter was written and submitted to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Car was repossessed, account showed closed but Im still  negative credit reporting ... car was sold. Santander Settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: Possible Financial Inc
State: TX

Complaint narrative:
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX.. According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX  XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TX

Complaint narrative:
ads/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.

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 2020-05-21 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.

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 2020-05-21 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: TX

Complaint narrative:
ads/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This is the second time that Capital One has denied my access to the XX/XX/2019 statement. It is illegal to deny customers any access to their statements. Please take care of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX XXXXXXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}

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 2020-05-21 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX  XXXX {$420.00}

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 2020-05-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from XXXX XXXX XXXX in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.

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 2020-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
someone used my info to get medical treatment at the er and i apply for something else idk what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo lied and unclear about them paying the insurance. 

I received an email from XXXX ( XXXX ) on XX/XX/XXXX. I complained to Wells Fargo a few days later. I spoke with XXXX ( ext XXXX ). XXXX told me that she will get back to me after find the issue. She called me back on XXXX said the mortgaged was paid correctly on XX/XX/XXXX. I asked for a confirmation number to make sure it was paid. She said she will send it to me via my email. I have not received any emails from XXXX so I call her back on XX/XX/XXXX. She said it is paid and nothing else can be provided. I called XXXX and talked to XXXX who was very helpful and he called Wells Fargo for me and find out that there is an issue with the check sent from Wells Fargo on XXXX. He said Wells Fargo agent told him that another check was sent later XX/XX/XXXX which is still pending to clear. 

I need Wells Fargo to improve their awful customer service. Also, their messaging system won't even let me see old messages. Wells Fargo should fix this ASAP and shame on them for the terrible 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 2020-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United Revenue Corporation
State: TX

Complaint narrative:
I have requested as recently as XX/XX/2020 that XXXX investigate the accuracy of of reported accounts from United Revenue Crorporation. XXXX says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. United Revenue Corporation has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have requested as recently as XX/XX/2020 that Experian investigate the accuracy of of reported accounts from XXXX XXXX XXXX. Experian says they do not have to investigate despite multiple requests including but not limited to a request from XX/XX/2020. XXXX XXXX XXXX has reported inaccurate records that are in direct violation of FDCPA and Texas statute SB 1264.

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank would not help when XXXX XXXX scammed $ 1000.00s of dollars out of my account. 

XX/XX/XXXX {$200.00} XXXX XXXX XXXX  XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX Have called Bank for help and contacted police

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$640.00}, {$10000.00}, {$6500.00}, {$15000.00}, {$12000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Lowes Credit Card aka Synchrony Bank has been holding my refund money for 3 months without resolve. I was supposed to receive a refund check in the mail but I never got a check. The amount was in the thousands. I had to call more than 5 times each 30-50 min a piece. Each time they promised the check will be sent. They are scam artists and will steal your money and not do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief