vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My mother passed away and I have been trying to freeze her credit. I have called Transunion multiple times and every time they disconnect me. I can not even get to a service representative!!!

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 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mar Joe Enterprises
State: OK

Complaint narrative:
This company has sent multiple ROBOCALLS to my CELL PHONE. As recently as today XX/XX/2018. They do not have permission to send robocalls to my cell phone. Furthermore I have not received written communication or any attempt at validating any alleged debt. I am not aware of any debt that could be owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Amount : {$320.00} Date Opened : XX/XX/2016 The account has been closed for years, I have tried to have it removed multiple times but it wasn't successful. I never received the XXXX for my XXXX XXXX but I am still being charged for it. I have did some research and the fact that this information has been passed to someone else is against HIPAA law.

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 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore Loans overpaid my property taxes on XX/XX/XXXX, received the refund from the counties ' tax office on XX/XX/XXXX, cashed the check on XX/XX/XXXX and has not refunded my escrow account. Better yet, they deny even receiving the refund check which they cashed. My load is up for escrow analysis and they are fraudulently raising my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. 

in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Coinbase withdrew over {$3900.00} worth of ETH ( a cryptocurrency ) from my account in XX/XX/XXXX. They claimed that I made the purchase from funds they never received from my bank.This is not true. I had cancelled the transaction from the bank. The funds were never deposited and I did not make the purchase. 

One month later they removed the funds from my account and disabled me from using the platform. For 3 months I have been mailing and calling. At first I was getting replies from a lady called 'XXXX ' after a while she stopped replying and I just got automated replies. Now even those have stopped. When I call in they refuse to help saying I have to do it through emails. I am completely frustrated. 

This is a lot of money for me, more then a paycheck. It has caused me tremendous stress and affecting my health as well now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: AZ

Complaint narrative:
XXXX XXXX stated they would help improve my credit score and for nine months I paid XXXX dollars and my score did not improve and every time I sent an email requesting to speak to someone they would send me a boiler plate letter staing their method is proven and it takes time. I did what they said by sending them the responses and nothing was done. They never sent me a copy of the letters they were sending per my request so I dont know if they did anything or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is not licensed to collect in my state. I'm am a Texas resident and this company is bonded in Kansas. Today, XX/XX/2018, this debt was added to my credit report! I'm furious! Not only because they are illegally trying to collect in my state, but I have NEVER even done business with this company. I don't know who they are! I have worked really hard on my credit and haven't had late payments or new deragatory marks on my credit in YEARS!. The company attempting to collect the debt is NATIONAL CREDIT ADJUST. THEIR address is Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX | ( XXXX ) XXXX. The amount listed is {$830.00}. No one even ever attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is my third complaint and everytime I get a pasted response along with new information. The new information is I opted out of debt card protection but " I '' did not opt out for ACH debt protection. That is dishonest business practice if I ever. They keep trying to sell me things I do not want. The person on the phone did not offer to give me {$19.00} of my own money back, I had to basically tell her I was going to walk away from doing business with BBVA Compass to get her to over turn the fees. again check each statement they basically telling my story for me and XXXX, XXXX. But adding they are not going to give me my money back. So I need to know who I need to get with to get my money back and help other people at this den of thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Around XX/XX/XXXX I opened an account with XXXX for a motorcycle. In XX/XX/XXXX, I paid this card off. I was summons to court in XX/XX/XXXXby XXXX XXXX ( company who bought loan ). I was able to prove payments were made and the lawsuit was dropped in XX/XX/XXXX. The amount I supposedly owed was {$6100.00} and I paid {$12000.00}. I checked my credit report and this negative account was taken off ; however, in the past month it has shown up again with a new opened date of XX/XX/XXXX. I have contacted XXXX XXXX XXXX, but they haven't been much help. They refuse to take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
Target called me, advising that someone had tried to open up a Target Credit card with my social security number. The reason why it was flagged was that I already had one.

The hard inquiry is still showing on XXXX. Can you please contact all three credit bureaus and advise to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: CA

Complaint narrative:
I have repeatedly requested that Chase bank lower the interest rate on my credit card to at least the interest rate with the other cards I have with them. The card in question has an APR of 28.74 % whereas every other card I have with Chase has an APR of 17.49 %. There is literally no justification for this excessive and abusive rate. I am requesting an immediate reduction of the APR on this account to at least the APR of my other credit cards with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
XXXX sold my mortgage of nearly a decade to Carrington Mortgage Services , LLC on XX/XX/XXXX. My mortgage payment stayed the same until I received an Escrow Analysis stating my shortage is {$1400.00} and increased my monthly mortgage payment by {$94.00} per month for a CUSHION! 
In review of this analysis and verification of Taxes and Insurance on the property, there is only a temporary deficit of less than {$150.00} during the month of XXXX  every year. 
Distraught, I called XXXX  and asked for their assistance. They informed me I could request the CUSHION to be removed and a reevaluation of the escrow be performed. I called and requested this at least 12 times in one conversation, being transferred higher up in the chain until I was connected to patronizing XXXX, who stated, for the 12th time, that this could not be removed because of my FHA loan and RESPA guidelines. I stated there is no way a loan in place for nearly a decade suddenly goes up that much. He said feel free to file a complaint and that would do nothing to help me and the CUSHION would remain. 
ALSO, on this same day, XX/XX/XXXX, I received a harassing phone call from Carrington Mortgage demanding my mortgage payment!!! I stated I have NEVER paid my mortgage late and that I had until XX/XX/XXXX to do so! Belligerent XXXX stated it is due NOW and how would I like to pay? I hung up on her. 
WHAT KIND OF SHADY OPERATION IS THIS???? Please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I purchased a new home in XX/XX/XXXX. My mortgage was immediately sold, as is usual, to a company I had never heard of - LoanCare , LLC. I paid them normally and as expected until XX/XX/XXXX. Then I received a statement from them, dated XX/XX/XXXX, stating that my Escrow account was in a negative by $ XXXX. This negative account amount meant my monthly mortgage needed to raise by {$350.00} to have enough in it to cover taxes again by XXXX, XXXX. According to their own statements, it was because my county taxes were paid in XX/XX/XXXX for an amount of {$2700.00} even though the projected amount to that point had been {$1000.00}, and the bill they received from the county tax office was only {$910.00}. The tax office refunded the overage, LoanCare 's website and statements show they have received that refund and my new Escrow account estimate was changed to reflect that and is no longer in a negative ; however, since they are still " projecting '' a tax amount of {$2700.00} again for this year they are still raising my monthly mortgage to cover the projected amount. I have an email from the Tax Assessor 's office stating that the mortgage company paid more than they were billed for - that they paid the 6 % rate for a secondary property instead of the 4 % rate of primary residence that I was actually charged for. The mortgage company agrees that they have that information, but because the previous owners rented the property out and were charged the 6 % rate, they are projecting that I will be charged that even though they admit to having all the documentation needed to see that I should not be charged that amount this year and they overpaid and were refunded that amount for last year. I have emailed and called LoanCare several times. Every call was recorded by their office. I can not afford the raised mortgage amount and there does not seem to be any reason for it to have increased in any way. I do not believe that what they are doing is legal, or at least ethical. Any assistance on this issue will be appreciated. 
Thank you, 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 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Around XX/XX/XXXX I opened a XXXX XXXX Card. I paid it off in XX/XX/XXXX; however, it was sent to collections. Portfolio Recovery (bought debt from XXXX XXXX) says I owe $XXXX  but I have proof I paid $XXXX. The date open date says XX/XX/XXXX. I sent a dispute in XX/XX/XXXX and literally that day I received a response via mail. I have contacted this company on numerous occasions, but they tell me they will not investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a request from State Collection Service, Inc to receive a statement with the total that I owed on all and any open accounts. In response to my request, the company sent me information for one " agency. '' I asked for clarification on if this is all that was owed and since my records indicated that about {$200.00} more was owed at the time. I was informed by the employee that this is all that was owed within State Collection Service , Inc. About a week later I requested a follow up to ensure I was receiving payoff receipts that indicated I owed nothing else. I was then informed that I owed and additional XXXX that was withheld from me at this time. The company has taken these off of credit reporting and has since denied any fault of their own and will not expunge the amount even though they had originally withheld the information from me and I was unaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Complete Credit Solutions, Inc.
State: NC

Complaint narrative:
XXXX XXXX ( XXXX ) on XX/XX/XXXX. My first payment of {$120.00} was due on XX/XX/XXXX. I made eight payments of {$120.00} each from XX/XX/XXXX to XX/XX/XXXX for a total of {$980.00}. I assumed this was paid off since I no longer heard from them after my last payment was made. They have now sold my account to Complete Credit Solutions , Inc. XX/XX/XXXX TX XX/XX/XXXX @ Telephone : ( XX/XX/XXXX ) XX/XX/XXXX-XX/XX/XXXX. Complete credit solutions has place a collection account on all three credit bureaus for the amount of {$1400.00}. I have disputed these amounts since I have already paid XX/XX/XXXX. This was a payday loan that I am now aware of as being illegal in North Carolina ; however, the main issue is that they were paid three years ago and they are putting an outrageous balance on my credit report that is incorrect.

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 2018-04-06 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: Radius Global Solutions LLC
State: IL

Complaint narrative:
I was hired by XXXX, XXXX in XX/XX/XXXX. I was provided a corporate credit card ( XXXX ) to which I should apply all work-related travel expenses as well as expenses incurred as a remote employee. 

I was laid off by the company in XX/XX/XXXX. At the time, there were outstanding expense reports that I had submitted, but had not been approved. With the layoff, I lost the ability to sign in to XXXX XXXX and so was unable to view my submitted reports. 

I started receiving calls from XXXX shortly after being laid off stating I needed to work with XXXX  to have the balance paid. I attempted to do so, and after several emails ( email thread will be submitted as part of this complaint ), a company representative responded that, " As of XX/XX/XXXX all items on XXXX 's account have been submitted, approved and sent for payment. '' I received another call from XXXX on XX/XX/XXXX about a remaining balance of {$680.00} and contacted XXXX by email again to say that XXXX was expecting payment from XXXX by XX/XX/XXXX, and if XXXX  expected me to pay the outstanding charge, it would need to provide me documentation of what they were claiming was my responsibility. 

I heard nothing further from the company nor from XXXX so I assumed the matter closed ... until this morning, XX/XX/XXXX when I received a call from XXXX XXXX XXXX ( XXXX XXXX ) stating I owed XXXX $ XXXX and that a XXXX representative stated I was responsible for the charges. I told the agency that I am not responsible for the charges and that they would need to provide documentation of any outstanding charges XXXX deemed " personal '' in nature. The agency rep responded that XXXX XXXX, XXXX 's Assistant Treasurer, told them I am responsible, but did not provide any further documentation about the case. 

I am unable to access XXXX systems, nor can I access transaction info on the XXXX site since the card is cancelled and has been sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.

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