vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
My Credit card is prepaid in the beginning. The problem I have is when ever I need to do a large purchase it ties up the card so I can not use it as pending. I can not put money on the card because it is not showing as being processed but It still reduces my " available credit '' so that I can not use it. USAA says they can not do anything until the other companies process it but still prevent my from doing anything with it. It leaves it as taken but not? If it is Prepaid and sitting in a CD for them than how can they not approve it so that the card can be used. I had to pay on some car parts and now I cant do anything to fix my house because everything is sitting in bureaucratic limbo. They money is there, but now I wont be able to pay any bills or repairs that I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I called CITI bank to let them know I had been laid off ( as of XX/XX/XXXX ) and asked them what was put in place in response to the COVID crisis. I was told nothing was in place but I would be informed. I also reached out to XXXX that day. The XXXX day of every month is the day I pay for all my credit cards. XXXX enrolled me automatically in the COVID program on XX/XX/XXXX. 

I received in XXXX alerts regarding my credit score which had been downgraded. I didn't pay attention at first. Then reached out to Citi and they told me I had not made 2 minimum payments on XX/XX/XXXX and XX/XX/XXXX, acting like if I had not proactively reached out to them. I was eventually enrolled in the COVID program and was told I would not have anything to think about until XX/XX/XXXX. Yet, they refused to cancel my late fees. Citi continued to reach out in XXXX XXXX XXXX and XXXX ) asking why I had not made the payments in XXXX, XXXX, and XXXX. I took the time to explain to the agent the mess I was in because of their complete disorganization : they reported me to the credit bureau, issued new cards which I have ( still ) not received, have continued to try to charge fees. She admitted my account had not been updated thus the phone calls. 

I feel I am the victim of Citi complete disorganization and it has affected my credit score in a way I never imagined. During my last phone call, I asked to escalate my problem. I waited and was told there was no supervisor available but I would be contacted by a supervisor in 24 or 48 hours. It has been over 2 days and I have not heard from anyone at Citi. In times like these, one want to deal with a serious credit card company and Citi card didn't show professionalism not even empathy. Shame on them.

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
XX/XX/2020 XXXX  reported Diversified Adjustment Service as a closed account # XXXX on my credit report owing {$1400.00}. I never received a notice from this company. 

XX/XX/2020 I called Diversified Adjustment Services and spoke with Account Rep XXXX XXXX and he informed me the account exist. I asked why I never received any in writing in reference to this account from your company and he responded because this account was in bankruptcy. I informed him I am not in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as 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 2020-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the account number as 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 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want to start this request reminding Capital One that we are all living dificult times with this pandemia. I am one of the affected due to covid-19, and my family also experienced complications. We have been through family health problems. 

Besides all the family health complication that weve been through, my email address was hacked by XXXX, XXXX. Due to this, I was not able to get my statement by XXXX, due to this, my payment was not received. Now this late is being reported in XXXX. This is an overwhelming situation! Believe me, I never meant to be late. This was a situation that I could not control, since I did not receive the statement, and with all the stress due to this virus, it was completely overwhelming. 

I have more than one account with Capital One, but the one that I want to bring your attention to is the followong : Account # XXXX, opened date : XXXX XXXX, XXXX, limit {$7000.00}. 

I am demanding this late mark to be removed. I know Capital One since a long time ago. I know that Capital Ones policies are very human, and I am just requesting a fair solution. 

Please send the attached document to Capital One. I want them to know that my story is true, that I am desesperately explaining my request, but I want them to know that I deserve this late mark to be removed. I am not willing to have it on my report, since it was not my fault. Any can get his email hacked, and I was a victim of this identity theft. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: OK

Complaint narrative:
Complaint ID : XXXX i am rewriting this complaint because the mortgage company ( AmeriSave Mortgage ) did not reply or answer any questions. I been calling them CONSTANTLY and sending e-mails to them, yet they do not reply. The ( original ) refinance loan officer has been shut-off, since he too does not reply. The whole company has gone dark. I am tire of their unethical business practice. My neighboor also applied for rthe 2.75 % interest rate and they were approved a week ago. My combine credit score from XXXX and XXXX was XXXX XXXX was XXXX but has gone down to XXXX because they maliciously keep asking for my credit report thus lowering my score everytime they ask for my report ). The only difference between my neighbor and me is that he is a XXXX  XXXX, I am a retired XXXX XXXX who happens to be XXXX XXXX. Yet they don't care about this creditble credit organizations. The last i heard from AmeriSave was when they accuse me of having a bad credit rating based on a mysterious credit finding organization that they refuse to identify. Everytime i ask for the phone number of that organization they would avoid the question. They got {$500.00} from me and in XXXX I was harrass to give them my bank account and routing number for them to get {$110000.00} ( approximately ). Once again I have try to call, email, text message -- - NO RESPONSE. At the very least they should have kept me abreast of what is going on with the refinance. They have gone dark.

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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Due to Covid19 shut down I am collecting unemployment. In California all EDD monies are received via a XXXX  XXXX XXXX debit card. To pay Capitol One auto loan using funds provided via Calif EDD I must pay an additional fee of {$7.00} to an outside service to process my payment. Capitol One has refused to allow me to add this debit card to my account on their online payment system. I am not aposed to reimbursing CAPITOL one any fee charged by XXXX  XXXX XXXX but feel the current process and its restrictions on payment methods is unfairly costing the unemployed high fees to use the government provided source of funds provided by the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Netspend Corporation
State: IL

Complaint narrative:
My XXXX year old just received a solicitation for an account. There is a master card attached with a XXXX digit umber and notification how to open an account on a sticker on the card.

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 2020-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Its been longer than 7years since this credit card been in collections. I want this account deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
The Company claims the investigations has been done and it's me. I have never opened any such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Ive settled this debt and could not afford to pay more due to Covid 19. I was told that if I settled the debt would be deleted. This collection account has been settled but its still showing on my credit report. Im trying to buy a new home and was advised by Acima that they would delete this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion and XXXX  thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet

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 2020-06-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent Letters out Certified over 40 days ago & have not been notified of anything. As a consumer I feel like these people are playing with me and this is serious. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX XXXX  and Experian thi is totatly outrageous. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies as of yet

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 2020-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/2020 I canceled my XXXX Account in XXXX. I moved to XXXX permanently and no longer needed service. Unfortunately I made many attempts by phone, email but no one would get back to my due to corvid 19 shut down. Finally someone from XXXX XXXX called me back and confirmed service was turned off XX/XX/XXXX, XXXX we made several attempts to turn in equipment but offices were closed. I made arrangements with my in laws and they attempted several times and were directed to leave equipment at XXXX office in XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/2020 from Sunrise Credit Services demanding the amount of {$880.00}. this included amount of XXXX service charge plus equipment charges of XXXX I explained equipment was dropped off. they still insisted I owe XXXX. I explained I paid up to XX/XX/XXXX and would be willing to pro rate amount for the period of XX/XX/XXXX -XXXX XXXX. Sunrise Credit refused. They insist on payment for whole month even though service was discontinued XX/XX/XXXX. How do I fight this? I have continued to XXXX XXXX concerning this matter and no one gets back to 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 2020-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Purchased a car from a dealer - dealer used XXXX XXXX and I was approved also used XXXX - Dealer picked XXXX because they can tack on 5 % and cheat me on tharather then going with XXXX XXXX - I called XXXX XXXX to refinance they told me to pre qualify why pre qualify so they work with the dealer but not the customer? 

They did not prequalify me and said it is my trans union - I already have cases open with Trans Union so my credit score is XXXX difference from the other credit reporting agnecies Trans union is a scam - they do this on purpose getting kick backs from dealerships I wa stold that this needs to stop I want trans union banned and I will see to it this is discrimination and a government scam - so the dealership can tak on 5 % and that is good and approve me but on my own I can not be approved what a scam! This country deserves to be in this shape SO MUCH corruption - I want my trans union fixed now and I want XXXX XXXX logged as discriminatory and in cahoots with the dealerships

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 2020-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: KY

Complaint narrative:
I tried numerous times to cash my check at XXXX and XXXX establishments. Then I tried cashing my check it would return my check in print out a receipt stating that I could not cash my check and that I would have to call Certegy company to figure out why they are not cashing my checks.

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 2020-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Everest Receivable Services Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I received a call from XXXX attempted to verify location information to send debt documentation. I advised the caller that I was the person in question that they were trying to locate. The caller then caller launched into debt collection disclosure and then asked me to confirm my mailing address. I confirmed the address and then asked what company the caller worked for and was ignored. The caller continued speaking and said that they could handle the debt matter now over the phone if I would provide my social security number for them to confirm and I refused repeating that I wanted to know what company they worked for, which again was ignored. I then told the caller that they could send the documentation as I confirmed the address and then I clearly stated to not call my number again and that all matters regarding this debt were to be handled through the mail. The caller did not confirm my request and disconnected the call. Yesterday ( XX/XX/2020 ) the same number called again. The call went the same as before : Asked to confirm location information so that a notice could be mailed out, I confirmed that I was whom they were looking for, offer to handle issue over phone, refused again and asked for company name which was again ignored as was my request to only be contacted through the mail by this company. I personally called the number from a blocked line and reached an answering machine for Everest Receivable Services Inc and advised a XXXX that I wanted my personal number removed and that all matters regarding ant debt under my name be handled through the mail. She stated that they had no file attached to my personal number and that the request could not be completed.

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 2020-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NC

Complaint narrative:
capital one closed my credit card account due to a missed payment and reported late. My payments were set up through my XXXX XXXX XXXX portal. The payment in question is apparently from XX/XX/2020. When I called into capital one I was informed that they could not supply me with what the issue was but that they had returned the amount. Upon reaching out to XXXX they have no record of capital one drafting on the account. Since five subsequent payments went through the same account with no issues I do not believe the issue is/was on my end. 

I had never been reported late on any credit bureau during my may years with this account so not understanding where the issue is/was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  sold my home loan of 18 years suddenly and without warning on XX/XX/XXXX to Specialized Loan Servicing LLC. The Covid-19 crisis in XXXX has left me out of work and not allowed to return to work until stage four of the recovery. Specialized Loan Servicing LLC is allowing our loan payments to compound and is demanding a lump sum payment as soon as the XXXX XXXX District Court reopens during phase one of the recovery or foreclosure. Specialized Loan Serving LLC refuses to modify the loan. One representative even verbally agreed that " Yes. This is predatory. But you agreed to it legally. '' This experience is not surprising after years of predatory and abusive tactics by the original lender, XXXX XXXX. Discrimination, reverse red lining, etc. This loan is a predatory loan dinosaur that pre dates the Housing Crash of XXXX and is a shell corporation used by XXXX XXXX to liquidate sub prime loans off the books. Over the last eighteen years we paid a vast fortune in interest at 7.25 % and now the Covid-19 crisis is being used by XXXX XXXX and its associates to prey on consumers even further. Specialized Loan Servicing LLC is a shell corporation set up by XXXX XXXX to circumvent banking regulations.

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