vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with 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 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

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 2019-08-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2019, I attempted to access my Free Credit Report for Equifax. After completing the information on-line, I was notified that Equifax on-line reporting is not available and I would need to file a request by mail. The form which the website states is in PDF format, is NOT. When I clicked on the icon for the Equifax form, I was prompted to save the form as an " ACTIONFILE ''. Because I do not know what an ACTION FILE is and do not have software to support the file, I was unable to complete the form for Equifax. I do not understand why it is impossible for me to acquire a copy of my credit report from Equifax and why there are so many restrictions to accessing my credit report from this Company? The information on XXXX  is not accurate. There is no PDF format for the form, although the website states the form is PDF. I am a XXXX veteran and this entire process is antiquated and impossible for a person with XXXX XXXX  and XXXX to complete. Equifax is reporting untrue Public Information on me and I am being denied credit as a result. I have been denied access to my Equifax credit report by Equifax and denied access to my Equifax credit report by XXXX  because their on-line process and form to file by mail with Equifax is defunct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX I was promised a fee for repossession would be waived since I was on short term XXXX at work and just had a death in the family. 6 weeks later I was advised that I was misadvised and I shouldve known better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX and XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive treid multiple times to have an account that is over 10 years old removed from my Experian account and they still refuse to do so. There is no legal basis or requirement to continue showing this account. It should 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 2019-08-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Today I called in to request a credit line increase on my chase visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XXXX and XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by Chase. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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
State: NY

Complaint narrative:
I have Paypal for years, never had a charge back and have been selling on XXXX  for years ( user XXXX ). 

Recently sales gone up and paypal decided to lock my account and ban me, i have US {$9.00} locked and they say it " might '' be returned in 180 days. 

My paypal case is XXXX, account XXXX This freeze of funds totally crashed my business because I buy and sell vintage watches. All the funds i have are legit and are all cleard. Paypal can ban me but has to give my money as I have bills to pay and zero " bad '' track record. 

I believe they did on purpose ; why didnt they lock the account with XXXX? only when it reached XXXX usd?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: AL

Complaint narrative:
Car was total loss in accident on XX/XX/XXXX. US Bank claims we had a late payment at some point, yet they can not give us specific dates of this late payment. US Bank is continuing to report to credit bureaus as late payments when myself and XXXX XXXX ( the insurance provider of the person at fault ) has told them they have sent payment instead to documenting accordingly. Please advise!

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 2019-08-02 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: FL

Complaint narrative:
On XX/XX/19 I used XXXX to make a purchase and was scammed for {$500.00}. XXXX is the preferred quick pay method from my bank, Chase. This is supposed to be a supported and trusted app/partner to Chase, and I was under the assumption Chase and/or XXXX would provide protection similar to XXXX in order to have me use their app instead of XXXX - advertising this was a safe transaction. Within an hour of the transaction I called Chase to stop the transaction and they refused to stop it, even though the transaction is still in Pending status to report it, or provide any recourse to me. They would not stop or cover the amount of the transaction or even contact the scammers bank, XXXX XXXX to attempt to recoup funds. I called XXXX as well, they would not stop the transaction or reverse it, they said they would call XXXX XXXX to attempt to block the scammer from accessing the funds - however Chase and XXXX both refused to work with XXXX XXXX to attempt to get my money back. This is just a classic example of banks taking consumers money, but doing nothing to protect the consumer or their funds. Chase handled this awfully and I advise anyone who banks with Chase to stay far away from XXXX or Chases Quick Pay option. I refuse to recommend Chase or their services moving forward and intend to further pursue this issue by filing local and national XXXX complaints as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX  XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 non-monetary relief
Consumer complaint received 2019-08-02 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: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX and XXXX  XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-08-02 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: Mobiloans, LLC
State: FL

Complaint narrative:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

Company response to consumer: Untimely response
Consumer complaint received 2019-08-02 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: IL

Complaint narrative:
Today I called in to request a credit line increase on my XXXX   visa. The rep informed me there there would be A hard pull on my credit report. I agreed to the hard pull being completed. I was transferred to a credit analyst to ensure that the pull wasnt done on a frozen report. I was informed it was not. That they could preform a reconsideration as my request was declined. I agreed. He asked me for the credit line amount I was looking for, I indicated {$40000.00}. The reconsideration took according to my phone 39 minutes. The analyst asked me questions about a line of credit for {$200000.00} I explained that was my home equity line of credit. He then asked questions in regards to an 8.5 year old bankruptcy of which I explained. He then came back on the line several minutes later and asked about two XXXX XXXX loans. I explained they were student loans that I refinanced this year to get lower fixed rates from variable rates. He puts me on hold again, and comes back a few minutes later and tells me I am declined for to many inquiries and high utilization of revolving credit. I explained to him that most of the inquiries were related to a mortgage purchase in the past 90ndays. He mentioned ones from XX/XX/XXXX and XX/XX/XXXX, which were from refinancing my car loans, student loans, and home into better rates, which cut my interest expense per month by over {$2000.00}. And the revolving utilization was neatly all on my home equity line of credit ( Not factoring the HELOC my utilization is around 6 % ) He apologized and said my request was declined. After spending nearly {$150000.00} on there card and paying there balance in full, he could not approve me do to to many inquiries. 

When I got home, I got an alert that a second credit report was pulled by XXXX. When applying for the increase the disclosure was read that indicated A credit report may be obtained. A report is defined as one, I had 2 pulled. The second report was not authorized and I would like the second inquiry removed as an error.

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 2019-08-02 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX Original Creditor : 12 XXXX ) XXXX, XXXX XXXX Original Creditor : 01 XXXX ) XXXX, XXXX  XXXX  XXXX and 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 2019-08-02 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have for the past couple of years tried to get a higher credit line on my marvel  mastercard to barely no avail. Syncb increased my limit by {$1000.00} in the past 2 years, even though my income and my credit score have been rising according to there own system. I rarely use the card any longer so to its artificially low credit score. I have tried to escalate on multiple occasions, yet the managers are not even empowered to be able to overturn decisions that do not make sense. I have been a long term syncb client, and have substantial lines with them on other cards ( which I have offered to cut/close if nessessary in order to qualify on the card that I would like to use which is the marvel MasterCard.

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 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I noticed on the XXXX that i was negative in my account. I have until XXXX through tcf to fix it.so i deposited XXXX dollars to fix my negative balance at XXXX that night.which left me at XXXX.The next day XX/XX/XXXX i noticed i was negative again.So i deposited XXXX at XXXX that morning which left me at XXXX. On XX/XX/XXXX i woke up, checked my account and noticed i had an XXXX over draft fee. When i called to ask why, the lady told me my negative balance was from the day prior.which is impossible considering i fixed my account the day prior.luckily she agreed to help and take off -XXXX to make it -XXXX.i called back again that day still not understanding and they then told me its possible my fees came out at noon on the XXXX.which still doesnt make sense.they charged me 5 over draft fees total. One which i shouldnt have even gotten considering im allowed to have up to negative XXXX bucks before being charged.when breaking down the over draft fees, they charged me one for -XXXX. I went into the bank today for them to tell me that my funds on the XXXX must have came out after i fixed my account with the XXXX dollars that day.so basically what they are trying to say is they must have taken the funds out at after XXXX on the XXXX.when i asked if they could tell me what time kwik trip took out those fees he told me there isnt a way of knowing because they dont have the times when kwik trip ran it through ( which makes no sense ) however, they showed me what times the other funds came out but when they showed me they told me they could not give me that form to leave with because its the banks. How am i not able to take a copy of that home?! Please look into my account and please help me.i feel as though they are stealing from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation