vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: OH

Complaint narrative:
American First Financial was to put me into a holding of the loan or repayment plan, because I started to experience lack of work due to covid-19 early on. Instead they closed off loan and today refused to give me a chance to settle debt. the representative would not even discuss account with me. I told him no collections agency was assign WHY can't I settle it. They added close to {$700.00} in fees I believe. I can't even get a fair print out for account activity. He told me to pay off a large balance somewhere between XXXX ( reported on my credit report ) to XXXX ( by  representative ) I believe. I made my payment regularly until this happen. My whole loan was paid except a small portion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
According to Cares Act during the period that payments on federal student loans are suspended by the Department of Education any payment suspended is to be reported as if it were a regularly scheduled payment made by the borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Hello on XX/XX/2016 i field a complain with cfpb # XXXX it stated " have a credit card from chevron we tried to cancel 3 months ago because one of our employees stole the rep we called didnt do it last week we got an email that we made a payment for XXXX which we didnt but it hit our account and cost us XXXX know there calling us about this payment which they posted with out our permission nothing was done today and with out notice the have us reported on all 3 credit burues that we owe XXXX dollars we dont owe this and they where informed that this card and others where stolen 4 4 years ago

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 2020-06-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/2020, I called Capital One customer service, and I requested to get protection for my monthly payments due to Covid-19. The customer service confirmed that I would be protected till XXXX ( next payment ) Because my XXXX payment was already covered and protect under COVID 19 program. Unfurtanetelly I received a notification from XXXX   that Capital One reported 30 days late payment. Impossible because they explained to me that the XXXX payment was already protected. The customer service fails in providing the correct information about the next payment and the credit report, to help me as a client to avoid being report to the credit bureau. I called today again, and I asked them to remove this error from my credit. I didn't get any reference number or case number to follow up. I'm facing an economic situation due to the COVID 19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 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: GA

Complaint narrative:
Equifax continues to report a bankruptcy that has not been properly verified on my report. I have continually asked for this item and the accounts attached to it to be investigated.They continue to respond with the words it is verified without providing any proof that they verified the items.They are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Order XXXX On XX/XX/20 I returned a compact 1.5 cu ft dryer to XXXX XXXX on XXXX XXXX XXXX XXXX in XXXX XXXX, NV. XXXX. Supervisor XXXX & cashier XXXX, whose name is on return receipt stated my having closed Paypal account after purchase on XX/XX/20 would not place return in limbo. Today, XX/XX/20 XXXX stated refund landed at Paypal who refused to issue to my bank. This is theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
XX/XX/20 Results unlimited collected XXXX all the money we saved for a place of our own to live now they are holding XXXX from the same account. the original debt was for XXXX dollars. ( XXXX XXXX dollar. ) The check for ( XXXX ) was sign and cashed by their staff but was not reported as paid to courts. Our bank has the sign copy of the check. 
Results Unlimited XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Cares Act during the period of payments on federal student loans are suspended by the Department of education any payment suspended by the department of education is to be reported as if regularly scheduled payment made by the borrower.

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 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CUSTOMERS BANCORP, INC
State: MS

Complaint narrative:
Banktookmoney off card without telling me

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 2020-06-27 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have had a credit score over 750..One account showed delinquent, it was not due to my fault and was for a small amount. Barclay Bank Miles and More credit card did this. I never received a yearly fee notice as I never used the account. It never arrived by email, mail or any alerts or any other way. Because of their error, my 3 bureau companies keep showing " serious delinquency ''. It was not serious and not due to my error or overlook. The result of such a small amount due to their reporting wrong had lowered my score almost 100 points and still has not recovered.!! .Please correct and remove from my accounts. I am NEVER late as my reports will show All 3 bureaus show '' EXCELLENT NEVER LATE " on all my accounts and for it to be ruined over a mistake not by me and for such a small amount is unacceptable.. Please contact me with any questions,,,,. 

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 2020-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There is still gross problem associated with Bank of America charging checking account fees. During this pandemic ; it has become even more critical to the nickel & dime Governance of BOA to their customers. 

1. For countless years I have fought with BOA about checking fees ; as they're both charging me and receiving an interest free loan on the $ $ in my account. 

2. With millions of customers, in sum, this capital is then used as margin for investment purposes and/or to loan out in XXXX, XXXX over leveraged. 

3. Because of the potential of this accrual & the actual $ $ made by BOA questionable practices ... It can not be reasonable to believe BOA can then charge a monthly " maintenance fee '' without also profit sharing with my portion of the portfolio. 

4. I've had 2 Advantage Plus Banking accts since 2013 at a rate of $ XXXX " Maintenance fee '' that equals around $ XXXX that could serve a great survival purpose RIGHT NOW.

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 2020-06-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax under ( CARES ACT ) During the period that the payments on federal student loans are suspended by the Department of Education any payment has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: LA

Complaint narrative:
I called and spoke to XXXX XXXX. XXXX today and there is NO record of this {$1000.00} loan from 25 YEARS AGO that TransUnion has decided to put on my credit report as of XX/XX/2020!!! THIS IS FRAUD AND I WANT THIS HANDLED NOW

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 2020-06-27 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: Navient Solutions, LLC.
State: CO

Complaint narrative:
I took out student loans from Navient and they have ruined my credit score. The school involved, XXXX XXXX XXXX XXXX Colorado, was a predatory lender and encouraged me to take out more loans than necessary and did not inform me that what I could earn for this degree was not enough for payment of the loans. Upon graduation I had to defer the loans for several years until I could afford to pay minimum amounts. During this time they reported me as being delinquent which was not a truth .When I was able to start making payments I had to get a job in my first degree as this one from the XXXX XXXX could not support even the minimum payments. Their reporting me as delinquent, when I was not, has ruined my credit rating. The School, XXXX XXXX XXXX XXXX Colorado has subsequently gone out of business from their unethical practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
My mortgage company is trying to increase my payment because they THINK there MIGHT be a shortage in my escrow account They wrote " This shortage likely was caused by changes in your taxes and / or insurance '' I don't think i should pay more because they think something might increase and they don't even know what it is it is only " likely '' If anything legitimate in the escrow increases and a document is produced by the company increasing something i will have no trouble to pay that but i am very reluctant to pay on a HUNCH the something MIGHT increase

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I attempted to use my Citi credit card on XX/XX/20 and the charge was blocked or closed ( both terms used by the Citi ). There was no reason that I was aware of that the card should be invalid. When I called the Citi fraud unit, and provided the asked-for password, the representative ( speaking broken English  ) refused to help, refused to connect me to a supervisor, and told me a letter would be mailed to me ( not received ). 

Thus, I was shut out from understanding if/what fraudulent activity had occurred, which prevented me from filing a police report in the proper jurisdiction. Or possibly there was some internal failure at Citi. Either way, I have no account access, and no ability to gain that knowledge until a lawsuit is filed and it is adjudicated. 

A credit card company should be required to communicate with card holders in a timely and responsible manner. By maliciously keeping me in the dark, Citi is free to engage in violations of the Fair Credit Reporting Act and Fair Credit Billing Act by refusing me access to billing activity, which may result in erroneous credit reporting. 

Citi has a notoriously bad reputation, as evidenced by the litany of lawsuits on record, as well as the numerous enforcement actions and judgements brought by various regulatory agencies. Citi also has a notably worse reputation among all credit card issuers from among law enforcement and fraud investigators who have to deal with Citis incompetence. Not to mention the F rating at the XXXX  XXXX  XXXX. 

This company should be out of business. Hopefully, this information is of assistance to the CFPB, regulators, and legislators.

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 2020-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have a outstanding child support collection on my transition credit report also on my XXXX credit report im no longer on child support and I was taken off and all my back was forgiven, I have XXXX in collections that Im not due to pay I submitted this same claim but on XXXX and it was removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a first time customer with Citi Cards since XX/XX/2019 to which I accepted a Credit Card offer from Citi Cards and they stated on the letter offering I would be 0 % APR for the first 18 months. However that has totally NOT been the case at all as a matter of fact when I tried to contact them about the issue they stated they did not have that information anywhere and did Not help me further, I ended finding out about the interest rate when I received my first credit card statement and was completely in shock of the Interest Fees being applied. If I would've know about the card not offering that offer I would have NEVER accepted it. On top of that I have contacted them twice about Help I've needed during these unprecedented times of Covid-19 and yet they have continued to charge me high interest monthly rates of {$100.00} knowing very well I have been laid off since XXXX because of the Pandemic. This is absolutely insane and ridiculous they would operate in this matter when we are facing a worldwide pandemic. I have NEVER dealt with such company that tricks you with Lies, absolutely disgusting how they are Not helping their consumers!

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 2020-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
l called them in XXXX due couvid 19 stay home and closing business, asking them to give me sometime to get back to normalcy to pay again on my loan. I made a payment on XX/XX/XXXX they received the payment,XXXX $ went into interest for the previous 3 months. I called them to complain and reverse it they said nothing they could do. The call was on XX/XX/20. My loan is through BECU there # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: DC

Complaint narrative:
Netspend closed all accounts, including but not limited to eight bank cards, leaving access to absolutely no funds. After numerous unauthorized transactions occurred, including but not limited to hotel charges, the bank decided to close the accounts, no notice was given and the accounts were closed by their risk management team. There's over a XXXX dollars in unauthorized/disputed transactions, but they advised there's only {$30.00} in the accounts. Netspend is trying to avoid taking a loss on the transactions by terminating the accounts and leaving the customer stranded and without money. Customer believes this situation has staged and he's possibly being framed or setup.

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 2020-06-27 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
So I have a TD Cash credit card that I have been using for 3 years. On XX/XX/XXXX, my wallet was stolen in XXXX and the suspect bought approximately {$200.00} of goods from the local XXXX with two separate purchases. I immediately filed my card lost/stolen and called to dispute the fraud transactions. This was on XX/XX/XXXX that I filed that, but the person helping me only claimed 1 of the 2 XXXX transactions as fraud, so the investigation team declined the claim. I learned this on XX/XX/XXXX and immediately called back the same day to correctly file both XXXX charges as fraud, the customer service worker said they took care of it. In the following week, I never saw a temporary credit, which usually happens in the following few days. I called back on XX/XX/XXXX to check the status and the new customer service worker said that nothing was filed, and we had to start from scratch again, which we did. She made it clear that it could take a month or longer for the investigation to be completed, so I have been patient. As of now, XX/XX/XXXX, I still see a remaining balance on my credit card app and am receiving emails to pay the fraudulent balance ( I paid off all other purchases made before closing the card on XX/XX/XXXX ). I filed a police report, followed all the correct steps, and have not run into any of these problems with the two other credit card companies ( XXXX, XXXX  ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-27 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: HI

Complaint narrative:
I Contact Experian and XXXX XXXX Asking for Validation of the verified debt, follow up letters etc. I sent both certified letters for the burden of Validation. Sent them identity theft report about XXXX XXXX.. I call many time.

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 2020-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac Loan Service has the mortgage on my VA Home Loan. I applied for a VA refinance loan on my home ( at the VA rate reduction refinance loan ). It has been over 42 days from date since I had submitted my VA Home Loan refinance application. 

PennyMac title and escrow company that is handling the closing of my VA Home Loan refinance application request the following documents from me to close escrow : 1 ). Owners policy of title insurance from the title company who handled your purchase. 2 ) Certificate of completion from the builder. 3 ). Warranty of completion. 

PennyMac have the mortgage of my VA Home Loan. I have experience a problem with my loan application with the escrow company who is handling the refinance of my VA Home Loan ( mortgage ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
On XX/XX/2020 i paid XXXX XXXX {$310.00} and they said they would remove from my credit within 30 days. Sequium Asset Solutions has the account. On XX/XX/2020 the account shows paid but is still on my credit report when they said they will delete for payment

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