vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I fall behind on my payment do to corvid 19 I lose my extra income. because stay home. and they ad some fee over {$10.00} during pandemic but now I want to make a payment regular monthly, its very hard the amount they ask me to pay. and I really don't understand what they adding, i have no knowledge at all abut my home lawn. please help me to save my home .they not contact me at all. I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a credit card with Forever 21 since 2018. The card was not required to be used or paid on monthly. I never had a late payment or anything negative associated with that account. I randomly get an email from credit karma informing me I had a change in my credit score. Forever 21 closed the credit card out without as much as a mailed or emailed warning, all the while they are still continuously sending me emails for their clothes they have on sale. This dropped my credit score by 40 points. Forever 21 filed for chapter XXXX bankruptcy and therefore had to close down several stores and have all of their clothes on a very high sale price online. I don't believe my credit score should drop 40 points for something i had no control over. I was currently looking for apartments and now my score went from the 700 's to the 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
This debt was removed from credit report in XX/XX/XXXX for unfair practices ( changing the dates the account was opened, changing the dollar amounts that were owed, changing the payment history, etc ) Commonwealth finance has now re reported this debt on my report. 
It first showed up on my credit reports at the end of XX/XX/XXXX, with an open date in XXXX. It was also listed as " other/ loan '' with a 1 month term. And was listed under a name that was similar but which is not my name nor is it a name I have ever used. 
They debt collector also never sent any notification to me about the debt, about collecting the debt, or reporting the debt on my report again. I still have received no written correspondence from the debt collector. 
After disputing the account with the credit reporting agencies. The debt collector changed the name listed to my name, changed the open date to XX/XX/XXXX. 
I believe the practices by this company are illegal and fraudulent, and are not in compliance with laws governing fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX Capital One Bank placed a restriction on my line of credit without prior notice to me. I had a {$5000.00} PLC since XXXX XXXX it was originated with XXXX XXXX  acquired by Capital One ). My PLC was used during the previous year. 

I discovered that my PLC was changed when I went to my on line account web site. The PLC was no longer listed. Today, XX/XX/XXXX, I called Capital One and the agent informed me that as of XX/XX/XXXX my account was restricted. This was due to a Capital One decision to terminate all PLCs. I was also informed that the letter to inform me of the change will soon be sent to me. Also, I was informed that PLCs not having any activity for the previous 12 months were terminated in early XXXX. 

I do not have a problem with Capital One 's decision. However, Capital One should have issued appropriate notice so that I could make other arrangements. Yesterday, I was nearing a decision of a very large purchase which may have tapped my PLC. I would have had a bounced check because I did not know on Capital One 's actions. 

Further although it will be small impact to my credit rating, I expect a small drop do to elimination of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Navient about changing my payment plan. Currently, the Income based plan I am on is charging me more than {$600.00} a month, which is prohibitively expensive. The person I spoke with, XXXX, was very helpful. She explained that I could change to a graduated plan, the payment would be approximately {$190.00} a month for two years, after which time it would increase. I asked her about compounding interest, she said there was none, and I asked about a penalty payment or large payment to switch plans, and she said there was none. I told her I wanted to make that change. 
On XX/XX/XXXX ( my payment day ) Navient took {$610.00} from my bank account. I called them again, and spoke first to XXXX, who told me that at first, she couldn't estimate a new payment for me, then told me I had to make a " full '' payment to switch plans, and finallly came back and said I couldn't switch plans because one of my loans ( they are consolidated in to two groups which Navient now owns ) would have come due without the IRB plan. This is the first I have heard of such a thing. 
She then transferred me to XXXX, who said that my XXXX payment of more than {$600.00} could be used as this " bridge '' payment ( which I was told in XXXX I didn't need to make ) and that she was expediting the request for the graduated plan. I asked her at that time to confirm this for me in writing. She said she would do so, and that an expedited request would take 1-2 weeks. As of today, the only correspondence I received is a form notice telling me to call them if I want a new payment plan. I've already done that -- -- twice. I have sent an email to the customer service person who responded to an earlier complaint I had about their website showing a {$0.00} payment, when in fact they intended to take out {$600.00}. She has failed to respond at all. I think this constitutes fraud - I was told one thing, planned for a payment of approximately {$200.00}, only to have three times that much withdrawn, and then sent on a carnival ride of conflicting information. They refuse to put any information in writing. As of today, I seem no closer to the payment plan I requested. I have made monthly payments EVERY MONTH since XXXX, 2008.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CarMax, Inc.
State: LA

Complaint narrative:
I reached out to Carmax since XX/XX/2020 about my reduced hours during Covid 19. I was granted 2 extensions however I received negative credit marking with late. I discuss with Carmax about the Cares Act section 4201 and Carmax refused to remove negative markings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: NC

Complaint narrative:
Our subscription expired with the XXXX XXXX. They continued to deliver the newspaper. After a few weeks they called us asking if we wanted to renew. When we told them we did not want to renew, they asked about paying for the papers they continued to deliver after our subscription has expired - at a ridiculously high rate. When my wife told them to 'send us a bill ' they said they couldn't do that - you could only pay for them over the phone. Since we did not authorize delivery after our subscription had expired, and I felt they were trying to rob me with a ridiculously high rate I never agreed to - I said we would not be paying for them at all. I believe this falls under the Federal Trade Commission 's 'Unordered Merchandise ' statute. 

Today we received a phone call from A.R.M. at XXXX. They claimed to be a debt collector, and said we owed the XXXX XXXX {$68.00}. I told the girl I would be filing this complaint and to never call us again. Thank you for all you do for the citizens of North Carolina!

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 2020-06-10 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: FL

Complaint narrative:
I have contacted transunion and sent over documents that what their reporting is fraud and inaccurate. Ive requested the items be removed immediately as I have sent my dispute letter, FTC identify fraud report and a copy of my social security card and drivers license.

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 2020-06-10 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/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 2020-06-10 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/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 2020-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: OH

Complaint narrative:
We XXXX a XXXX and as of XX/XX/XXXX of this year we were forced to close down due to the COVID-19 pandemic. We had attempted to provide take out and delivery and it was no success at all. We have had no income for 3 months. We have two business credit cards with US Bank and have requested a deferral for the three months we have been closed down. We called and finally reached someone to speak to on XX/XX/XXXX. Before that time the hold times were beyond 45 minutes and we could not reach a live person. When we spoke on XX/XX/XXXX the operator stated she would defer until XX/XX/XXXX. When we called today to discuss the account, we were told it was 78 days in arrears and they would not work with us because the payments were late. They have no programs for deferment. We have a history of paying on time that lasted more than 8 years. All we are asking for is a three month deferment and to take back the negative report on the credit record. We are opening the XXXX  on the XXXX of this month. After a couple of weeks we should be back on our feet.

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 2020-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company LVNV Funding LLC is reporting inaccurate information to my credit profile. I did not give them consent to use my personal information nor did I sign a contract with this company. I filed a complaint with the XXXX  as well which I will attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I noticed a charge on a credit card from PayPal that is NOT authorized i contacted them 23 times to no avail. 

I had to cancel my credit card due to the PayPal fraud and theft of funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: CITIBANK, N.A.
State: MA

Complaint narrative:
XX/XX/XXXX charge to my master card - LL Bean Master Card Citibank - XXXX XXXX XXXX XXXX XXXX Massachusetts - amount {$7000.00} XXXX membership fees for the XXXX summer golf season XX/XX/XXXX called Citibank LLBean Master Card to dispute the {$7000.00} charge based on country club closing their doors and laying off all employees. have news articles stating the country club told employees they were closing. 

XX/XX/XXXX dated letter stating dispute was in process XX/XX/XXXX dated letter stating credit was issued - validated the {$7000.00} was credited back to my credit card account XX/XX/XXXX the XXXX XXXX XXXX filed for Chapter XXXX bankruptcy and new articles confirmed they were not opening/shut their doors for good and would not be opening. The chapter XXXX filing was registered and confirmed - they are closed. 

XX/XX/XXXX my account shows the charge of {$7000.00} was charged back to my account. 

XX/XX/XXXX when I noticed the charge was charged back - the {$7000.00} - I contacted Citibank LLBean master card and they told me I would be sent a letter regarding the fact the XXXX  sent them a response that it was an accepted charge. I told the credit card company that they filled for chapter XXXX and " did not and could not provide me the services I paid for '' and they told me it was still denied. They told me a letter would be sent and I could respond to it. 

The bank is telling me that I can only dispute things via writing and have no ability to talk to anyone to resolve this issue. 

The service I paid for can not be supplied - it is a fraudulent claim by the XXXX XXXX XXXX in XXXX Massachusetts that the charge is valid - they can not provide me the service I paid for if they filed for bankruptcy and have closed their door. 

thank you in advance for any assistance or advice you can offer.

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 2020-06-10 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: Aargon Agency, Inc.
State: NJ

Complaint narrative:
XX/XX/2020 {$2200.00} A letter to verification was mailed and received by the company. The company acknowledged in a previous claim that they were waiting until the 30 day period before they were going to remove the the derogatory mark on my credit report. It has been more than the 30 days since the they received the letter. I have not received any further mailed response from the company and the derogatory mark is still hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have been trying to link my PNC account to money savings apps like XXXX and XXXX. PNC wont allow me to do this even with the proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10 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: DISCOVER BANK
State: CA

Complaint narrative:
During the COVID - 19 pandemic, I attempted to make my regular on-line payment and had been 'locked out ' of my " XXXX  '' App, and " on-line '' access to my credit card account. ( due to security reasons ). I contacted customer service via their toll-free XXXX #, and attempted to resolve any unresolved issues. I was notified that to continue, it would be mandatory that I submit an " I.R.S. consent form 4506 - T. '' I declined, and requested my DISCOVER credit card, and account be CLOSED immediately ... 

XX/XX/2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my 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
Consumer complaint received 2020-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: NV

Complaint narrative:
I put in an order for a XXXX XXXX XXXX in XX/XX/2020. Upon putting down my deposit I was given written confirmation on their web site of {$4500.00} down and {$430.00} a month. If you currently build and order a XXXX XXXX XXXX on their web site today it shows {$4500.00} down and {$400.00} a month. Unfortunately none of these terms are ever offered by Tesla or their finance partner. Once I applied for financing the terms changed to {$7000.00} down and over {$550.00} a month. I have been asking Tesla now for two months to address why the terms advertised on their web site can not be matched. They kept telling me not to worry, they will adjust it and match the web site prior to my car arrival. Two days before my car was delivered and one day before I had to turn in my old car who's lease had expired, they finally revised the terms NOT matching their web site.They adjusted the terms down to {$4800.00} and {$510.00} a month. I was told take it or just cancel. I have perfect credit, long job time, very high income and high net worth. I'm a homeowner and I believe my credit score is in the mid to high 700 's with zero blemishes. The sales people tried several times to tell me the difference was taxes. However, I know the taxes are only {$39.00} and it was confirmed on their estimate. I asked several times for the finance manager to call me. They refused. According to my calculations the money factor was excessive and about double what was in the market. I believe their finance company can not match their advertised rates. This is false advertising. I'm sure they just normally blame it on some issue with someone's credit etc. But with me they had no excuse. Just refused to talk with me about it and told me to cancel. Left me with no car. Rude and in my opinion illegal. FALSE ADVERTISING

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation