vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances. 

In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances. 

At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also. 

Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}. 

I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email. 

Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX  XXXX. Please help 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 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last XX/XX/2020 I tried to call customer service at Capitol One credit card to get my phone number changed, and address changed before I relocated to XXXX from XXXX XXXX.. customer service told me to wait after I relocated then call. So I did ... ..When I called they said they could not verify it was me by my cell phone number since I was on my daughter and Son in law 's plan.. ( I gave them my Social security # etc ... .the reason was because I discontinued my land line and I am on a shared cell phone line with my Daughter and son in law billing because they own a XXXX store in XXXX XXXX.. ( it's cheaper for me to be on their plan ) they stated either I get a land line number in my name again OR a separate cell phone # in my name they would not allow me to go on line again to pay my bill or see my charges ... .. ( I had discontinued the paper bills four years prior ) and paid my bill on line each month ... ... ..Then when I complained they had a representative from Capital One call me and she was sarcastic and condescending about my being on my Daughters cell phone sharing bill ... .and that nothing they could do for me because they had no proof of who I am.??????? all this after I gave them my complete Social security # my new address in XXXX  etc ... then she wanted me to send her my drivers license as proof who I was ( are you kidding me? ) ... ... it's been a nightmare and four months later I still have no paper bills sent and I can't read my statements on line..nor can I pay extra to get my bill paid down ... .I have been a card holder with them for over 16 years and no problems now all of a sudden they are saying they can't help me get this straightened out so I can get back on lien to pay my bill each month nor can they send me statements..I had no problems with XXXX XXXX card nor XXXX card when I relocated ONLY Capitol ONE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX my bill for account CITICARDS CBNA ( Opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Colony Brands, Inc.
State: PA

Complaint narrative:
I dont have an account with XXXX and i am receiving calls about sending me to jail if i fail to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021, I was denied a personal loan by my XXXX XXXX, XXXX XXXX XXXX XXXX. The primary reason for the denial was that my reported monthly student loan payment amount to the credit bureaus ( they use Equifax ) was incorrect. I double-checked and verified this information as well. I am on the income-based repayment plan. As such, my last income-based payment plan amount was changed to a XXXX dollar monthly payment plan. Prior this change, my income-based payment plan was {$280.00} a month. This is not the first time XXXX ( or the student loan industry for that matter ), has reported incorrect information on my credit report. Update my credit reports with all three bureaus within the next 10 days. I do not want to be forced to take legal action against XXXX for violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Complaint XXXX previously filed complaint I received 1 cash advance from 5th 3rd 6 months ago off my XXXX credit card. Filed complaint here and there resolve was to mail me a check for XXXX. I had to pay XXXX cash advance fee and I am being charged 25.9 percent interest monthly which averages XXXX per month and it has now been 6 months so 6 times XXXX plus I have other charges on this card and can only pay my minimum each month so these charges are going to continue to accumulate I need Fifth Third to prove to XXXX  that I only received 1 XXXX cash advance that day so all fees and interest get rrmoved and stopped for this advance I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have Proven time and time again, and XXXX XXXX, Trans Union, all agreed account with XXXX XXXX  was opened fraudulently!!!! Yet XXXX keeps it on my report lowering my scores due to the fact that if you look on my credit report. It shows deleted! Then put back on. I've disputed over 30 times due to XXXX false reporting. I've submitted written proof of this as well as paying {$170.00} debt the company keeps lieing about. Even though not mine. I only did on XXXX PROMISE THEY WOULD REMOVE ANT BOOST MY SCORE. I EVEN ADDED UTILITY BILL, RENT PAYMENT, NEW BANK ACCOUNT AND XXXX HAS STILL DONE NOTHING THEY PROMISED WOULD BE DONE, TO INCREASE MY SCORES. IF YOU WANT PROOF CALL ME SO WE CAN ARRANGE MY SENDING ALL DOCUMENTS CONFIRMING THIS IS TRUE AND CORRECT. 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 2021-02-09 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: TX

Complaint narrative:
On XX/XX/XXXX Equifax was sent a SECOND letter via certified mail ( copy attached ) detailing violations to 15 USC 1681. This corespondence was complete with detailed company names, account numbers, and law violated. A copy of state issued drivers license, and social security card were included. As of todays date Equifax has not responded to any of the items questioned in that corespondence. On XX/XX/XXXX Equifax responded to my first complaint with CFPB that they needed more information despite this same information being given to them in ( 2 ) seperate letters of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank changed my minimum amount due and then lied about why to collect more interest. How is this not illegal?

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 2021-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
My wife and I applied for a refinance through Amerisave Mortgage on XX/XX/2020. We just did our signing/closing last Wednesday the XXXX of XXXX. This company refuses and rejects calls from you and has the worst communication. I have documented every call and email this 4 month period. When you get a response, it is always by email. They will email you and say they have been trying to call or reach you. Complete XXXX XXXX XXXX. When you do speak to them, you receive attitude and unprofessional customer service. For months, the loan processor kept telling me tge underwriter is still working on your loan. The underwriter needs more documentation, needs more paystubs, needs letters from your employees. Tgis we t on every month sending repeated documentation. My wife and I have good credit, careers and paying jobs. They have no problem contacting you when they need documentation to process your loan. It has been a complete nightmare working with this lousy XXXX company. We finally closed last Wednesday and have not heard a word from our loan originator or processor. We have not received our funds or means of paying other creditors off. This is my 4th time in my life i have refinanced and it usually takes 3 weeks, not 4 months. Now we sit in limbo, waiting with no communication wondering if this was even a real mortgage company. We feel like we've been scammed. I just don't want it gets to go through this hassle and stress. The government needs to look into or investigate this companies unprofessional practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
The Debt collection agency under the name ARC located in XXXX, Texas began calling me with regards to an outstanding debt of {$6200.00} on XX/XX/XXXX of 2021, after which we spoke on the phone XXXX XXXX, XXXX XXXX and XX/XX/XXXX. in one of our first interactions after trying to explain to the representative XXXX XXXX, whom was handling my collection, that I had already paid for the medical procedure which she was trying to bill me for I was voraciously accused of being a petty thief and a criminal and rather than retaliating I still agreed to pay the debt if in I could verify its legitimacy. After over 20 hours on the phone with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX I was able to get a representative from XXXX to verify that my claim had already been processed and paid for through them and any other debts in collection trying to be made would be considered fraud and were therefor unlawful. The representative offered to call ARC with me to explain the situation. I thought I was finally seeing the light at the end of the tunnel here. However once we got on the phone with XXXX XXXX at ARC, not only was I still yelled at and accused of theft, but the representative was being shouted over and asked to speak to her supervisor. The representative at ARC refused to listen to anything we had to say despite myself taking the proper actions to provide proof that these charges against me were illegitimate. I provided proper documentation and brought along a representative but was still met with denial and insults.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Westcreek Financial
State: NY

Complaint narrative:
In XX/XX/2020 I was given a {$3000.00} line of credit with Westcreek Financial with a lease agreement to make a payment each month that is directly debited from my bank account. This company has not reported to XXXX since XX/XX/2020 although I have never missed a payment. I paid off the remaining balance on the account and asked Westcreek financial to submit notice to XXXX  and they failed to do so. On my credit report it appears as if I have a high balance and that is not the case. When I called Westcreek  back I was told the account was reported as closed and I informed them that reporting an account as closed negatively affects a persons credit report and it should be reported as paid in full instead. Westcreek stated that if I no-longer am wanting to purchase utilizing the funds available then they have no further business with me. I attempted for the 5th time to have this disputed with XXXX  and XXXX   and the issue has not been resolved and is still appearing on my credit report as a high balance when in fact there is no balance. I also filed a complaint with the XXXX  and also noticed that the reviews there are quite similar to my complaint. This company targets low income people and then seeks to destroy your credit when you pay off your account and they are not able to box you into a long term lease to charge you double of what the original item cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( XXXX  XXXX ), and ( XXXX - Transunion ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes. 

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity

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 2021-02-09 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: IN

Complaint narrative:
I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( Equifax XXXX ), and ( XXXX - XXXX ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes.

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had money sent to me by cash app for $ XXXXthis happen every month but this XXXX the account was locked. Cash app says they can not unlock the account because of security with no further details.therefore the sender ask for refund he was told no because it the money was in my account.cash app did offer me any way of getting my money and then transfer to my bank account that was attached to account or put in cash app none this is done the just keep my money is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: TX

Complaint narrative:
First Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe {$3100.00} for XXXX XXXX XXXX. Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification. 

Second Letter dated XX/XX/2021 - Tate & Kirlin Associates Inc States I owe $ XXXX for XXXX XXXX XXXX  XXXX Current creditor on document : XXXX XXXX XXXX. Letter alleges authorized to accept 50 % of balance owed. However, I have never heard of XXXX XXXX XXXX, never received prior information regarding this alleged debt. The body of the letter does not indicate any other attempts to collect nor does it have any information regarding type of alleged debt. Body of letter states to dispute within 30 days of date of letter and they will obtain copy of a judgement and mail me a copy of such judgment or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
A debt collector from XXXX XXXX XXXX XXXX XXXX calls multiple times a day for the past month stating they want collect a debt. They have left voicemails pertaining to act like an attorney. They also call from numbers with the same area code and do not speak until I do then hang up, I have instructed them not to contact and this is extremely harassing. They have violated the law and their supposed debt is now null and void due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I checked my credit scores with three major credit reporting agencies and noticed a collection account from National Credit Adjusters on behalf of a credit card company named " XXXX '' in the amount of {$870.00}. I contacted the collection company, which has never supplied any verification or proof and who continues to be indifferent to the fact I never had or applied for such a card. I have submitted a formal complaint to the Attorney General of Kansas about this collection company as they are located in XXXX, Kansas, as well. Being penalized for something I did not do is of course, unethical and causes me time wasted and blemishes my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I made an electronic payment to Bank of America in the amount of {$8300.00} ( this amount paid my account in full ). On XX/XX/XXXX, Bank of America tried to debit my account for an additional {$7900.00} ( which I did not authorize ). On XX/XX/XXXX, I called Bank of America and spoke to someone named XXXX and explained that Bank of America should not be charging my XXXX XXXX account for any amount because I paid the balance in full on XX/XX/XXXX. She said she completely understood what I was saying but the charge had already went thru but not to worry as it would be refunded in 2-3 days. ( I explained that I did not know how that was possible as I did not have that much money in my account ). On XX/XX/XXXX, {$7900.00} was taken from my account by Bank of America. When this amount was still not credited as of XX/XX/XXXX, I called Bank of America again and spoke to someone named XXXX XXXX. He said he understood what was going on but he was not able to refund my money and the situation had to be " thoroughly reviewed '' by a different department and that would take 8-10 days. I told him that was not acceptable and that I was going to start action against the bank. Note : My " payment due date '' is the XXXX of each month. Thank You, XXXX

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