vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have NEVER been so DISAPPOINTED with ANY COMPANY as I currently am with Barclays. 

On or around XX/XX/XXXX I requested a cash advance offer from Barclays for {$10000.00} with a ( 3 % ) {$300.00} service fee. On or around XX/XX/XXXX I then received a request from Barclays to call in about suspected fraud on my account and that all my cards were locked until I called in... all to be put through the very painful process of verifying via the phone tree and then in person, my identity and to confirm I had indeed requested the {$10000.00} advance Barclay 's offered me " for my protection '' which btw was/is a load of XXXX, its was for the bank 's protection, not at all for my protection. 

Now, here 's where it gets better ... Barclays then screws up the {$10000.00} advance and instead hits me with {$30000.00} in advances on my credit and {$900.00} in fees because I have ( 2 ) additional authorized users on my account. Mind you all the while Barclays only ever deposited {$10000.00} into my checking account. 

This then overdrew my available credit and forced me to close down ( thankfully ) another open Barclays card with a {$12000.00} credit limit, and I had and to shift that available credit limit over to BARELY cover BARCLAYS MISTAKE!!! 

On Mon XX/XX/XXXX I was told by Barclays " this will take 1-2 week to remedy ''. 

Then my credit cycle refreshed on XX/XX/XXXX, and my credit score has now taken a 45+ point nosedive because of BARCLAYS MISTAKE. 

Today ( 15 days later after being told XXXX weeks ) Tuesday XX/XX/XXXX when I called in to discuss why BARCLAYS MISTAKE hasn't been rectified I am now being told it will now take 1-2 BILLING CYCLES to fix. 

Lastly, XXXX currently has a promotion to obtain Base Points towards MOSAIC status, something I am about to lose, by spending {$15000.00} on my card from XX/XX/XXXX to XX/XX/XXXX... XXXXbut of course now, I can't do that, because BARCLAYS MISTAKE has not only crashed my credit rating, but additionally artificially hamstrung my available credit limit until close to XXXX. 

And I haven't had 1 person BARCLAYS who could make me feel comfortable that ANYTHING will be done to rectify BARCLAYS MISTAKE or make any minimal accommodations for what is just been an ABSOLUTELY AWFUL, WOEFUL, PITIFUL customer experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance {$8300.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXXBalance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Paypal Holdings, Inc

Complaint narrative:
I got a text message alerting me that I made a purchase of XXXX EUR and 1 min later another XXXX EUR. ( mind you i did not make these purchases ) I immediate call my credit card company and lock my credit card in foreign countries. Then I try logging into my paypal account, but I can't ( because the hacker, closed my account ) I then proceed to use text chat box in the paypal main page, but XXXX the lady who works for paypal, says she can't help me because my account was closed. Basic runaround and tells me to email paypal. 

So i email paypal, and they tell me that I have to log in and goto the resolution center and deal with the problem there. 

I write them telling them, I can't log in to my account because it was closed and hacked. But the email i received tells me the same message over and over and over again. WIthout any help or resolution. 

Finally i call paypal, and they give me the basic runaround, Im on the phone with recordings and bots, and another 40 mins wasted.

I finally reach somebody and they ask me for my information, and after waiting another 30 mins, she tells me my account was closed so, they can't do nothing and gives me another phone, which doesn't work. 

I get upset and ask to speak to the supervisor, i wait and wait... .then finally supervisor XXXX gets on the phone and asks me the same questions and I couldn't understand what she was saying... .and basically, ... ..i think nothing will be done. 

I don't want to call him, or deal with them anymore. I wasted time, energy, been stressed the whole day. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was checking rates for a XXXX loan/unsecured and inadvertently applied for a loan. I checked again to see a different term length and another application was created. Therefore, I had XXXX applications with Pen Fed. I received multiple marketing calls, emails and texts regarding these XXXX applications. I created these applications on XX/XX/XXXX. On XX/XX/XXXX ; I decided to pursue XXXX of the loan applications. I was denied on application # XXXX so I tried application # XXXX and was denied. So I called Pen Fed about the denial and was told I was denied because the date of the was more than 10 days so go ahead and apply again ( attempt # XXXX ) ; I was denied right away. I called Pen Fed back again and was told it should not have been denied and it was because it was my browser that I should use chrome. Now Pen Fed can't tell me why they denied me. I suspect some type of bait and switch deal going on here. They say they " think '' its because of XXXX ratio but that is doubtful based on my income vs. debts -- -highly doubtful. My fico is XXXX and credit is excellent. 
I need assistance because now I have XXXX credit denials on XXXX inquiry -- -two of those were made at the sole recommendation of Pen Fed staff. I don't trust Pen Fed to assist me. I need the assistance of your bureau.

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Someone opened a XXXX account many years ago and this collection agency placed a XXXX $ payment on this fraudulent debt to extend the negative mark on my credit report for an additional 7 years. 
Unethical in the actions of the collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX XXXXBalance {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Social Finance, Inc.
State: IN

Complaint narrative:
I am a victim of a online money scam fraud. They got my information and opened a loan in my name now i own this loans and didn't do any of them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
i was in forbearance for about a year, now fifth third is reporting my loan as late instead of being in Forbearance i need this to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
The closing date for selling my home was XX/XX/2021. 
I called the mortgage company on XX/XX/XXXX to give them my forwarding address to send my final statements, or for whatever other reason they may need me. The customer service representative asked me if I wanted to take care of the {$4800.00} ( and some change ) balance on the loan. Well, I thought she was joking. She commented that I had just made a substantial payment and she could process the remainder with me. I said, What are you talking about? I SOLD the house.. She said, she showed a balance a little under $ XXXX. 

Then everyone played the blame game. 

Finally months later, when I called them to find out why my loan still had not been taken care of, they told me, since your escrow was negative, there was too much money put into my escrow account when that payment came in. Again, I told her that was the LOAN PAYOFF and I still was dumbfounded how the mortgage company was not even concerned with this. 

First, they told me that there was not enough money sent in. ( This was their argument for not having a XXXX balance yet. ) Finally after several months, I had to sign a letter giving my permission for the mortgage company to use the escrow balance to pay off the loan in full. 

Meanwhile, they have charged me mortgage insurance premium in the amount of {$160.00} and on XX/XX/XXXX ( almost XXXX weeks AFTER closing ) there is a {$170.00} Legal Fee with no other explanation whatsoever. 

I have tried numerous time to reach out to them but they say there is no problem. 

Here it is : I closed -- - the money was sent in.. VMF processed it wrong somehow But look at the escrow balances in my statements yet they couldnt figure out why I still had a balance and its my fault because the funds were short ( they werent ) .. so therefore I got charged MIP again Then there is a mystery payment from.. I dont know where.. but I also did not ever get a final statement ( theyve sent it 3 times by mail thats the answer I got ) It is a complete mess- I saw several XXXX  complaints that seemed to involve the same topic.. sound like they've been doing this a lot. 

The statement I uploaded is the last one I ever received. I did not get any for the last month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: NY

Complaint narrative:
I had utilized the services of XXXX XXXX XXXX to satisfy my credit card debt. Last Thursday, when I was checking my credit report, it listed one account, XXXX XXXX ending XXXX XXXX as being delinquent even though we settled this account back in XX/XX/XXXX and a second account, XXXX XXXX XXXX account ending in XXXX as being derogatory even though this was settled back in XX/XX/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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: TX

Complaint narrative:
This is a HIPAA Violation.This account has been going on for about two years. On XXXX they called threating me as i was going to jail and getting sued. I have no knowledge of this account and amount because it was paid. I also know that the apartment complex sold my information to this company and i never owed this much they charged interest every day and i do not know why. Two years ago spoke with complex they explained they did not have anything for me because this was due to HArvey ( a storm ) and everything was charged off. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I have attached a letter from XXXX XXXX stating my account is current.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a Wells Fargo business account. Every month, sometimes multiple times per month, Wells Fargo will hold my deposits while they process multiple debits. After the debits cause my account to be overdrawn, Wells Fargo charges {$35.00} per transaction, then they will process my deposit. This is a recurring theme with this company. 

In addition to their fees, I am constantly paying returned item fees with XXXX because Wells Fargo returns my payroll debits.

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 2021-11-02 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: IL

Complaint narrative:
I just received my credit report and noticed unauthorized use of my personal information to try to obtain access to my life

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 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC. amount : {$420.00} on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
I contacted XXXX XXXX XX/XX/XXXX about disputing an amount on a debit that was incorrect. They said they verified it and I replied XX/XX/XXXX to dispute that again. And responded yet again XX/XX/XXXX when they reverified again. I still have it on my credit and was refused credit because of 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 explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This is a HIPAA Violation. On XXXX someone called me from I C Systems stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.

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 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: OH

Complaint narrative:
PROFESSIONAL DEBT attempting to collect alleged debt. 
{$780.00} & {$6000.00} dispute of validity sent XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: LA

Complaint narrative:
On ( XX/XX/2021 ) I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation