vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX  Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! 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 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I signed up for a XXXX XXXX through Barclays back in early XXXX. I was told I was accepted, but I never got a card. I called I think on XX/XX/XXXX after I never received it and they said they would send another one. I never got that as of today which is XX/XX/18. I called twice today and without warning was cut off and sent to another department. I called a third time and asked for management which they would do until I threatened that I would get hold of the CFPB. I asked them what they had for my address and they wouldn't give it to me. I had given them my DOB and last four of my Social Security number. I was also told on my call back in XXXX that I still had to spend {$1000.00} by the time I was approved not whey I received my card. It has been two months since I applied and I had also flown XXXX again and I couldn't use the card which would have me about {$700.00} of the {$1000.00} I needed! I have never been treated so poorly by a financial firm ever!

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 2018-12-17 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: NY

Complaint narrative:
On both XX/XX/2018 and XX/XX/2018 there appeared two hard credit inquiries on my Equifax credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Upon being notified of the first hard inquiry from above company ( on XX/XX/2018 ), I put a temporary freeze on my XXXX, XXXX, Equifax, and XXXX reports. Additionally, I reported this to Equifax through their online dispute center. 

Then, as stated above, on XX/XX/2018 another hard inquiry from the above company appeared on my Equifax report, again. Upon seeing this, I placed a total 1 year fraud alert through Equifax which should trigger a notification to the other credit agencies automatically. Additionally, I disputed this second hard inquiry through the Equifax online dispute center, again. 

I do not currently use XXXX XXXX XXXX as a provider, nor have I applied for any of their services. 

Through a quick XXXX search, I have found many people claiming, on the XXXX XXXX XXXX forums, that they have experienced something similar in the past few months. People have described this exact issue, and have stated that the credit agencies have sent them to XXXX XXXX XXXX to resolve it, and XXXX XXXX XXXX sent them back to the credit agencies. 

This seems to be a cycle, that neither party, the credit agency nor the telephone company, want to take responsibility for. I really hope that through reaching out to you, swift action can be taken to have both of these hard inquiries, removed from my credit report. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX at approximately XXXX est while attempting to deposit a cash deposit using my atm debit card issued by Huntington Bank the kiosk experienced a system error and proceeded to shut down for no apparent reason. After contacting my bank located in XXXX, MI. XXXX immediately during this transaction a representative ( XXXX ) told me that the bank does not handle atm deposits they could not help and directed me to contact the phone number on the machine. After the machine shut down not returning my cash or my atm card and not issuing me a receipt I pulled away from the kiosk and contacted the number for customer service. The initial representation I spoke with was not able to answer my questions and concerns so I asked to speak to a supervisor and was transferred to ( XXXX XXXX ) who after speaking with for 15 mins began to open a case # ( XXXX ) in regards the error. I was informed that this sorta thing can happen and was likely due to a system update and the investigation process to return my funds and card can take up to 45 days. That is NOT acceptable! I stated to XXXX XXXX that I was not in a position financially to wait that long for them to due an investigation as I have obligations allocated for those funds. He ( XXXX XXXX ) also told me by filing a complaint with this agency, would lengthen the process and that they would not be held accountable for any fees or charges that I would incur because of the error in the machine. Again NOT acceptable! I am seeking the attention of this matter to be escalated to locate my deposit, my card and monetary damages associated with the company 's errors. I was not given the company 's name who handles the Atm kiosks by ( XXXX XXXX ) as he refused to provide me with that information repeatedly claiming it would be a security breach. ( XXXX XXXX ) also provided a false corporate phone number for Huntington bank and expressed to me that by bringing this matter to your attention and/or to the attention of the public via social media I would be risking the possibility of a possible unsuccessful return of the investigation. Given me an ultimatum to not voice my opinion is a violation of my rights NOT acceptable. So many things are wrong here I dont even know how this could ever happen to anyone and take so long to rectify, I'm absolutely horrified at how this bank operates and will be closing my account as soon as this matter is adjourned with compensation in my favor for having to undergo this whole process. Thank you for seeking a positive outcome on my behalf I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: UT

Complaint narrative:
Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: AZ

Complaint narrative:
Our mortgage servicer, XXXX XXXX XXXX XXXX, reported a delinquent payment to a third party by means of a verification of mortgage. The payment in question falls within a 60-day RESPA period that occurred during a transfer of mortgage loan servicing earlier this year. The mortgage servicer acknowledges this but has declined to modify the verification of mortgage or provide a written explanation to the third party. This appears to be a violation of Reg X, 12 CFR 1024.33 ( c ) ( 1 ). which states that a during the 60-day RESPA period following the transfer of servicing of a mortgage loan, " a payment may not be treated as late for any purpose ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
They hired an attorney years ago to foreclose on the property. At that point I had no access to the house. They stopped it for unknown reasons. I have tried to do a voluntary give back. I've tried to do a quick sale with no response. At one point I even did a loan modification with it resulting in them losing my paperwork. I work very hard to keep my credit good. I feel I have gone above and beyond to resolve this with no response from Ditech. I do not believe they are acting in good faith and are ruining my credit even though I have attempted to resolve this balance. I hope you can help me get them to moving forward. This is not the original mortgage company, it has changed hands a few times. Thank you in advance for your time. 

Ditech Financial loan # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I HAVE A COLLECTION FROM RESURGENT/XXXX XXXX ACCOUNT NUMBER XXXX BALANCE IS XXXX. I DO NOT OWE THIS COMPANY ANY MONEY, I ALREADY FILED A POLICE REPORT AND MAILED IT TO XXXX  XXXX   AND XXXX. I REQUEST THAT THIS ITEM BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.

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 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2018, I received a letter from the credit bureau stating that a collection account from Merchants Credit Guide Co. was added to my credit report for {$78.00}. A collection that I didn't know anything about. I never received a bill, letter, warning etc.. from the collector 's office. I called the collection agency, verbal information was given to me. I requested a written copy of bill in dispute. On XX/XX/XXXX of 2018 I received such written information. I went through my records to find out this bill to XXXX XXXX XXXX was paid with check # XXXX on XX/XX/2018 for the amount of {$86.00}. ( XXXX + XXXX. ) I called XXXX  talked to XXXX and she told me there was no record of me paying this bill and did not find a copy of the check in dispute. I am submitting evidence from my bank account that check was cashed on XXXX. They deposited this check electronically didn't cash it through the regular channels. This dispute destroyed my credit record falling down XXXX points according to the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Walwick, Inc
State: OR

Complaint narrative:
Debt collector from XXXX XXXX XXXX in XXXX XXXX Washington ( XXXX XXXX I believe ) contacted my employer on multiple occasions after she had already confirmed my current address and phone number. First spoke with my supervisor where she revealed personal information about me and my debt to them compromising my employment and then spoke with me. when I asked her not to speak with me or contact me on my work phone she said she could if she wanted to because she was collecting a debt and if i paid it she would stop calling my work. This can not be legal

Company response to consumer: Untimely response
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MA

Complaint narrative:
Thank you for taking the time to hear our concerns. This is in regards to an elderly gentleman who has nothing. He is trying to sell his house and has NO equity, yet the servicer will not review him for any type of workout. We are having an issue with the Servicer of this mortgage. This house was listed prior to us coming into the picture and no offers were presented. It is a short sale. The list price of XXXX was far too high for the amount of work needed, but we came in to work with this gentleman, sent in a new listing agent and got an offer. We sent in the offer on XX/XX/2018. On XX/XX/XXXX, we were informed that the Investor was countering the Buyer at the amount of {$710000.00} which is the remaining balance of the loan. We sent SN Servicing Corporation several documents from the Listing Agent who included a letter explaining factors affecting the value of the property. We also sent them a copy of the MLS Sheet that detailed the listing history of the house. The house was initially listed at {$670000.00} with another Listing Agent earlier this year. It was on the market for 60 days and garnered NO OFFERS. Bare in mind that the first list price of {$670000.00} is less than the {$710000.00} counter and value that SN Servicing is insisting that the property is worth. 

The current Listing agent, XXXX XXXX, re-listed the house at {$270000.00} and even then, only one serious offer was garnered out of the house being on the market. 

SN Servicing corp wants the full value of the loan. Mr. XXXX does not have this money. He was not even given any options for loss mitigation. He has tried to work with SN Servicing for quite some time and they continue to just say no, that they want the full amount of the loan for the short sale and hell never get that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked

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 2018-12-17 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: Early Warning Services, LLC
State: NC

Complaint narrative:
I recently disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
Ive sent XXXX  a dispute letter in XXXX and the reached out in early XXXX but in that letter I told them to send me sign documentation bearing my signature in 30 days I didnt receive nothing. So finally after 60 days I recieved a bogus letter and account number they had to make up. Because if they had it, it wouldnt have took them so long its just not right. Thats why you hear so many bad things about them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo bank of XXXX Ga XXXX sent me an offer, letter and card that I was eligible for a loan. I have been doing business with them for nearly 30 years. My credit is good. I have paid for two houses and now paying for another plus I have paid off multiple trucks and almost have another one paid off. Also, I have a RV XXXX XXXX XXXX camper. All because of discrimination against another person that I signed with to help him build his credit they denied him ; and the next day I personally applied just for myself. I was denied. The bank loan officer had to get permission from a XXXX man manager before she would even talk to us. Then when my wife was going to put her mother 's dividends in my account he was very rude. She told them that she was her mother 's estate. Her mother has been passed away for 8 years. Everything went to my wife as she was the only child. The XXXX manager stood there looking at the checks as though they were counterfeit. He also was listening to the conversation and he did look at my wife. After a harsh discussion they finally accepted the money for deposit. The manager is very unprofessional and very rude. After talking to someone in Washington DC we were advise to give this a second chance. So my wife call the manager who is responsible for what goes on in his bank. He was very rude to her and hung up the phone during the conversation. That is a XXXX man discriminating against a white woman. There will be consequences to pay for this unprofessional and rude behavior. DISCRIMINATION!!!

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 2018-12-17 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, Il XXXX XX/XX/18 Chase Card Service XXXX XXXX XXXX XXXX, De XXXX ( F ) XXXX To Whom It May Concern : I am faxing this & sending via USPS. I am a regular Chase customer with Savings & Checking accounts. I also have a very good credit score with my monthly bills being paid on time. I am a senior citizen on a fixed income. I have # credit  cards. Yet when you sign up for credit cards, it does not convey the holder of these cards. Well I realize that @ least 3 of my cards are generated by Chase Bank. Mainly my XXXX card ; XXXX card & XXXX XXXX. 
With the XXXX season upon us, I have XXXX grandchildren to purchase gifts for. I had called the individual cards to inquire re : decreasing my interest rates. This was NOT considered by any of the cards. I am annoyed that with all these cards & Chase is making a lot of money off my interest % & yet not one will decrease my interest rate!!!!!! 
Why is Chase Bank sucking the air out of my lungs with these high interest rates????? Chase is making a lot of money off my purchases & yet wont consider lowering my interest rate on any one of the three cards. Disgusting customer service. 
Please contact me @ XXXX to inform me IF there is any consideration to be given to decrease my interest rates on any or all of the credit cards. As a large conglomerate, I do believe you are not suffering any financial hardships. PLEASE give this consideration. 

Respectfully, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any nformation reported as fraudulent should be removed from the consumer credit file.

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 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
On Tuesday XX/XX/2018, I was contacted by XXXX XXXX of the Leviton Law Firm via email. Mr. XXXX sent the same email to three of my email addresses. Later that day, I responded to Mr. XXXX to, among other things, request that he contact me only through one of the three email addresses used, as the other are unrelated to the debt in dispute. 

He has ignored my request to do so and continues to send emails to my three addresses.

Company response to consumer: Closed with explanation