vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-25 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: TX

Complaint narrative:
In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account. 

In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me. 

According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.

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 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
There's an account from COMENITYCAPITALBANK/XXXX XXXX listed on my credit report, but I do not owe this company ANYTHING. They sent me a card in the mail after an online pre-approval, but I never purchased anything with them. The card wouldn't work and I called their customer service number and they advised me that this card was closed because they approved me in error, due to my FICO score I shouldn't have been approved. I was never able to use the card at all, so I'm unsure of how I owe them anything. I tried disputing the amount that they claimed I owed on several occasions with no luck. I don't understand how they approved me, sent me the card, closed it and yet they state that I owe money for a card that I was never able to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select Port Folio is my mortgage servicer, Submitted financials request for mortgage modification to them several times. Select Port Folio and the investor for my mortgage has been very difficult to work with the mortgage is adjustable rate mortgage and the payment continues to adjust out increasing the mortgage payment. On XX/XX/2019 I resubmitted my request for mortgage modification My request for mortgage modification has been denied several times. I have been forced to file bankruptcy to maintain ownership of my home, my bankruptcy has been dismissed and I want to modify my mortgage fix the interest rate to get my mortgage back on tracks. 
Please, Please Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Seven fraudulent transactions occurred on my Chase Visa between XX/XX/XXXX and XX/XX/XXXX. These seven fraudulent transactions, totaling {$390.00}, were reported to Chase Cardmember Services as soon as they appeared on the XX/XX/XXXX statement. Chase notified my on XX/XX/XXXX ( 2 and one-half months after my first report of fraud ) that I was not responsible for 3 of the 7 items ( totaling {$120.00} ). They stated that I was responsible for the other four transactions ( totaling {$260.00} ), three of which occurred in XXXX, California 90 miles from where I live. No explanation was given for why I was deemed responsible for the 4 other fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: IN

Complaint narrative:
I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.

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 2019-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was told my consumer services that they do not have to offer me deferment while I am in school and I have to start making payments. That is was a kindness that not a requirement for the company to offer deferment. 
I have emailed the company twice as I can not misses any work hours to make a phone call. 
Refuse to use my legal name and the name under the loans when I do talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FL

Complaint narrative:
I am convinced that credit bureaus do not really investigate disputes. They just send generic responses. Experian will not handle my dispute correctly. I keep sending them an itemized bill from XXXX XXXX XXXX that clearly shows they have not correctly reported the correct date of when the account went past due. They are re-aging debts illegally to leave accounts reporting longer than 7 years on the credit report. Please see attached docs.

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 2019-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Utah System of Higher Education
State: MN

Complaint narrative:
I XXXX for the XXXX XXXX XXXX mid XX/XX/XXXX, signing up for a total of almost 30 weeks of training spanning from XX/XX/XXXX to XX/XX/XXXX. Prior of leaving I contacted my student loan company XXXX for SCRA benefits and deferment of payment while on orders. When I contacted them they told me I was ineligible for the benefits due to me not in a " XXXX or XXXX XXXX ''. This is the first I have heard of this in my conversation with numerous other people who use this while in training. The only assistance I was offered was to reduce my payments to a smaller amount. I understand my payments of about {$100.00} reduced to {$61.00} is not much but I have been paying on them since than with no assistance. I was making a tiny amount while at training with other bills to pay at home that I needed ever cent I could save to make it through training financially. What frustrates me is the reduction of what I owed monthly was from me providing my income not military orders. They did not assist me an any way helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
student loan amount of {$700.00} was taken out from my bank account but doesn't show on navient account because navient account shows that i only made a payment of {$240.00}. They couldn't figure out where the money went, including the manager. I had to waste 30mins of holding and figuring out with them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I noticed in my credit reports that even when this credit card account with First Bank was included in my chapter XXXX bankruptcy, was showing a balance of {$1000.00}, even thou says closed. I worked with XXXX XXXX and XXXX, but they give you up to 3 times to try, then I was told to contact the company directly. On the last try the company made it worst and reported a balance of {$12.00}! When the limit was {$1000.00} and should show {$0.00} because of Chapter XXXX. I wrote to First bank on XX/XX/XXXX telling them about the erroneous reporting includeing copies of the reporting agencies and my chapter XXXX discherge on XX/XX/XXXX. On XX/XX/XXXX they answered that it does not proceed because the balance is XXXX and it was paid off, but never addressed the error about the balance of {$12000.00} and that it appears as past due of {$1200.00}. This wrong information is damaging my score and all this was included in my XX/XX/XXXX letter, and they are not complying with the bankruptcy court order and discharge.

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 2019-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XXXX, XXXX of XXXX and XXXX of XXXX, i sent the check to pay my account in full and they never recieved the payment ... now i have 3 late payments that is not supposed be in my credit report ... i letter them to ask if they can remove it because it's not even my fault ... and i never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is not honoring the terms of their promotion to open a new checking and savings account. I had to open at a new Checking and Savings account and deposit $ XXXX as well as make 1 direct deposit each month for 2 consecutive months. The promotion stated that I needed to maintain $ XXXX between the two accounts for 60 days.

I deposited and maintained well over $ XXXX in my account for 60 days as well as made 8 direct deposits in that 60 day window. Not only did I call multiple times and was assured that I had met my requirements to get the {$400.00} promotion, BUT Citibank themselves even sent me an email 60 days after opening the account, stating that I had satisfied my transactions and would get the {$400.00} in 30 days. 

30 days pass and I call them back. They again tell me I have met the requirements and that they will need an additional 30 days to add funds to my account. I called back after those 30 days ( This is about 120 days since opening the account now ) and they told me they will not be paying my promotion because of some technicality where they have to close my savings account for not having funds NINETY DAYS OUT. I spoke to multiple reps at Citibank that told me I did not need to distribute the $ XXXX between checkings and savings accounts ( aside from assuring me that I'm in line to get my promotion ), it is also not stated anywhere that it is mandatory ( they even mention depositing the promotional amount to your open of the two accounts if one is no longer active. AND MOST OF ALL, the promotional requirements ended 60 days after I open the account, I should have already been paid the {$400.00} after ninety days. 

I called them a few days later and notified them that I can send them the email I received to show that they THEMSELVES told me I has earned the bonus. They told me " no need, just tell us the date we sent the email and we'll look it up on our end '', and so I did, to which they confirmed and told me the funds would be in my account within 48 hours or 2 business days. 

I opened the account in XX/XX/XXXX and it is now late XX/XX/XXXX and they are dragging me around with no end in site for a promotion I've already earned. I'm frustrated and irritated to say the lease. Please help.

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 2019-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
Received two ( 2 ) Delinquent Account letters, from the XXXX XXXX XXXX XXXX ( AMCA, Collection Agency ), XXXX XXXX XXXX, Building XXXX, XXXX, NY XXXX. Each of the letters ( last letter did XX/XX/XXXX ) showed differing amounts due for for lab services  received on XX/XX/XXXX. Although, I did have a physicians appt that day, I did not receive any services, which would have involved XXXX XXXX XXXX, the company shown on the collection letter as not receiving payment from me. This information was confirmed with the physicians office, I had an appointment with, on the date of service shown on the Delinquent Account letter received. The physicians office also checked & confirmed they had NOT 1 ) mistakenly billed me for another patients service & 2 ) I had no payment due, from this visit, since it had been paid by my primary health insurance company with the remaining balance paid by my secondary insurance, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX  2019, I disputed several inaccurate entries that were reflected on my XXXX  and Equifax reports ( see attached ). Previous addresses as well as previous employment that is incorrect and several other accounts that are reporting inaccurately are currently being reflected on my reports. Please see attached copies of disputes that were sent to both bureaus and as of today, XXXX/2019, neither XXXX  nor Equifax have responded to my dispute. I have not received any correspondence from either bureau requesting any additional time to investigate nor have I received any initial correspondence from them responding to my initial dispute. My tracking via USPS for XXXX  reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. My tracking for Equifax reflects they were in receipt of my dispute on XXXX/19 ( USPS tracking number XXXX ) ; see attached copy of return receipt. 

Consumer law mandates credit reporting agencies respond within 30 days to disputes from consumers. XXXX  has had 58 days and have yet to respond. Equifax has 54 days and have yet to respond. As previously stated, neither bureaus has not responded ; therefore, each item reflected on my disputes to each bureau must be deleted. Additionally, I would like a full, updated copy of my credit reports reflecting the changes be sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 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: LA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-25 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: AES/PHEAA
State: PA

Complaint narrative:
In XXXX, I sent a letter to AES/XXXX regarding late payments that were showing up on my credit report. I was never late on the account, and I asked if they could remove the late payments as a one time " goodwill ''. They responded with a letter saying that they did not report any delinquent information. I have attached this letter. 

I forwarded this letter as well as a copy of my credit report to each of the three bureaus, demanding that the account status be updated, and I have not heard back yet from any of the bureaus. I have attached a copy of my complete 3-bureau reports where it is inaccurately reporting. 

I sent an investigation letter to AES/XXXX, and they are saying that it is reporting accurately. I have attached that also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
We have debt. There is a no contact order on phones XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. Today, they called twice leaving messages to call them about debt.

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 2019-04-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am victim of identity theft

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