vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-28 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: NJ

Complaint narrative:
My credit score is SIGNIFICANTLY lower with Experian than the other two major bureaus. 33 points lower than XXXX  and 49 points lower than XXXX. I have called several times for a review. The agents are ill-informed and rude. Experian is always the last to update their reporting information and usually lags in recording important information that would improve one 's credit score. Literally all of my " Additional FICO Scores '' on Experian have not been updated in over 21 months according to the mobile app!!

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My husband and I lost our jobs last year and have been unable to keep up with our payments, and I contacted all of our creditors to explain and ask for relief. My husband 's total income for the job he started in XXXX and was let go from in XXXX was around {$5500.00}. We are two months behind on our rent and barely keeping up with other bills. All of our other creditors have been working with us and not harassing us except for Kohl 's. I have called several times to explain our situation and have been verbally told to not make the XXXX payment and just wait to make the following one. Then I was told not to worry about the XXXX payment, just wait and make the next payment in XXXX. Even though the payment plans have been set up, I am still receiving ro-bo calls multiple times a day an leave messages. When I call AGAIN, they apologize and promise AGAIN that I will not get anymore calls but I do!!! I'm doing the best I can, but I am XXXX with XXXX , my husband was medically XXXX from the XXXX XXXX in 1985 and is 60 % XXXX. He receives $ XXXX/mo XXXX from the government, but I receive nothing because I did not pay into Social Security for the past 10 years, since I can't even work!! Can these harassing calls please be stopped as soon as possible. Once my husband begins his hob later this week, we should be able to catch up in a month or so. If you have any questions or need more information, pplease feel free to call me at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
We were in forbearance due to covid from XXXX to XXXX due to my husband losing 40 % of his pay he works in XXXX XXXX  XXXX till now he still has a lower income we applied for another modification and we were denied!! I am XXXX and my son is a type XXXX XXXX!! My husband and I want to keep our home. I dont understand why Selene finance can not drop the interest rate and lower our payment they are not willing to work with us at all!! Im am simply distraught by all this!! Please help me and my family!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I signed up for a 12 month promotional plan and divided the payments by 12. I then set up auto pay to have the appropriate amount deducted each month so that it would be paid in full by the expiration of the plan. I also enrolled in paperless billing to save paper. The last month the bill was set to pay off the balance on XXXX XXXX.I believed that the last billing cycle would be the expiration of the plan and I paid it in full by the end of that cycle. Unbeknownst to me the expiration for the promotional plan was 6 days earlier, XX/XX/XXXX. The company purposely sets the autopay date after the expiration so that they can charge you interest on the entire initial balance. In this case that interest was {$550.00}. My last payment amount was {$330.00}. Obviously I would have paid it 6 days earlier. They then charged me a late fee and interest for the month of XXXX because I thought the balance was paid. I only noticed it because it showed up on my credit report as a revolving balance and I knew it should have read {$0.00}. This seems to be unfair and predatory, relying on a technicality in order to trick customers. I work hard to ensure that all of my bills are paid on time and do not appreciate these tactics. I reached out to them and spoke to a supervisor who tersely informed me that they can not reverse the fees/charges. I also reached out on twitter and received the same response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Solutions Group, LLC
State: OH

Complaint narrative:
This senior was " conned '' out of home repairs that was done unjustly. They are harassing her for the amount due, including intimidation, legal action and phone calls. The name of the debt collection is Recovery Solutions. The home was repaired under her home owners insurance, and they advised that the company that took advantage of her should be not harassing her. She is in her XXXX 's, has no family, and has contacted our community service agency for assistance. They stated she owes over {$8000.00} to this company. She is very upset and anxious and feels very intimated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number 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 2020-09-28 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
What happened? : I had a pre-approval for a home loan through the GA Dream program but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA Dream program even though I completed everything asked of me to qualify the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GADream program for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 


When did the last act of discrimination occur? : XX/XX/2020

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my last dispute it was with chase credit card. now they close my credit card, cause i haven't be available to pay cause the pandemia. so they just close that account they put it as charge off on my credit. now is affecting me .is not my fault everybody is having hard financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NC

Complaint narrative:
I had raised a CFPB complaint for final disclosure documents, complain id : XXXX. I was only offered partial documents at the time. There were 3 loans that needed the final disclosure documents and only 2 were provided. I need the 3rd document. I have been waiting for over a year now for the third document but still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We closed on the sale of our home on XX/XX/XXXX. We are owed an escrow refund in excess of $ XXXX and when I called I was told it was issued to our new address ( verified 3 times ). After 3 weeks of no check, I contacted them to request another form of payment, and verification it wasn't deposited, required on their side, I understand. I called again to have someone update me when it would be reissued. Today they said the escrow balance is still in our account and it would take another 15 days to request a re-issued check. I've received several pieces of correspondence from the bank that the loan has been paid in full and it's been satisfactorily recorded/lien released. 

I also married and changed my name after I had my account for a year. I received correspondence in both my new name and former name for 3 years and after several calls was told the data couldn't be reconciled in their internal IT infrastructure.

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 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
There were 4 charges on my PayPal account to the same person using 3 of my cards that were saved on PayPal. I did not authorize these charges, certainly not sending money using credit cards. I do not know the person that I allegedly sent money to. 

I submitted a PayPal claim stating such, and it was denied and closed in a matter of hours. They claimed that they did not see evidence of it being unauthorized, even though I am claiming and TELLING them I did not authorize those charges. 

I have tried to get in touch with their customer service only to be greeted by robots and when asked to speak to an agent another automated message states they can not take my call and hang up. I have called all 3 customer service numbers. I was able to speak to an agent after being on hold for over an hour, for her to transfer me to a dead end and my call was dropped. 

I have messaged the askpaypal XXXX account with no answer. Messages their XXXX with no answer. As well as PayPals own message center multiple times with no answer. 

I have emailed them as well regarding the claim for {$470.00}, with no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. 
I sent XXXX XXXX a payment of {$160.00} on XX/XX/XXXX via Venmo, which was debited from the bank I have link to Venmo, XXXX, on XX/XX/XXXX. On my Venmo account, I'm informed the transaction went through and the money successfully was sent to XXXX 's bank XXXX XXXX. XXXXXXXX XXXX is informing XXXX that the transfer failed. XXXX sent me proof key bank is not allowing her to accept it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
my credit limit for best buy card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.

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 2020-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Dear XXXX ; I'm not quite sure what's taken so long, but it's been more than 60-90 days that i request your company and credit bureaus to look into this but for some reason, I haven't received any correspondence about this account. It's impossible that this collection was investigated and we're going into 3-5 months and I haven't received anything. It continues to report in violations and it continues to illegally re-aged. It's incomplete, inaccurate, and obsolete. I'm really shocked by the way that you're handling this situation and I would rather not spend or waste anyone 's time, and would rather want this deleted from my credit report. Not even the account status was updated if it was indeed looked at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
The complaint is in reference to the title company : XXXX XXXX XXXX XXXX XXXX Texas , XXXX. 
Our loan was set to disperse XX/XX/2020 and due to the negligence of the title company our pay off was not calculated correctly. The payoff was shorts funds to pay off the loan entirely. The original lender reached out and spoke to the title company advising them it was short and that they needed to contact us and see how we wanted to proceed in paying the difference. We never heard from XXXX XXXX XXXX. The original lender emailed my husband on XX/XX/XXXX advising that the payoff was short and requested how we would like to proceed. After checking documents and confirming that the payoff was not calculated properly we were now looking at additional fees due to XXXX XXXX not completing their work appropriately. 
I have called XXXX XXXX ( XXXX ) numerous times and can not get in touch with a live person and have requested callbacks ; I have still yet to receive a callback. I have also sent emails ( XXXX ) requesting a call to discuss this error and request compensation and an explanation why we were not contacted and why our funding did not occur when it was scheduled. They have completely ignored and disregarded what has happened. 
Having worked in the mortgage industry for many years this is absolutely unacceptable and should never have happened. The lack of responsiveness and following of procedures is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/XXXX I've submitted CFPB complaint # XXXX against American Honda Finance Co. ( AHFC ) which reported me to the credit monitoring agencies on XX/XX/XXXX as having a " major delinquency '' for me not paying them {$100.00} without ever sending me a bill or any other form of notification about it. I found out about this fact only on XX/XX/XXXX from a credit report sent to me by my financial institution where I'm trying to refinance my mortgage. Since then I've tried to mitigate the issue with AHFC via numerous telephone conversations where their representatives have admitted having a wrong house number for my address, which is not true because I have a letter from AHFC accompanying a title of purchase by me from them previously leased vehicle dated XX/XX/XXXX with my correct address. This is a classical case of AHFC practicing " parking the small debt with a debt collector and reporting a consumer to the credit agency without expending resources to contact a targeted consumer who'll find out about the debt only when doing some activity requiring a credit report. When on XX/XX/XXXX first contacting AHFC via telephone about this matter I was transferred without a warning to a collection agent who initially didn't clearly identify herself but collected all my personally identifiable information. Only at the end of the conversation I found out that who she was. I asked her why didn't her collection agency never send me a bill which was reported to them according to the credit report on XX/XX/XXXX. She said that they had a wrong house number for my address on their files. How is this my fault? After this phone call I received a first ever letter ( attached ) dated XX/XX/XXXX from this debt collection agency called XXXX XXXX, XXXX ( XXXX ) demanding for me to pay {$100.00} where the Original Creditor is AHFC, without any explanation what I was billed for. I have not received a bill explaining the {$100.00} charge from either company to this date. I did contact XXXX via telephone, left a voicemail identifying myself, stating the issue and asking to call me back. No one has called me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
I had a pre-approval for a home loan through the GA XXXX XXXX  but my realtor refused to show me houses in certain neighborhoods and the loans office would not submit my application to the GA XXXX XXXX even though I completed everything asked of me to qualify. the loan officer told me by letter and email to complete actions that caused my credit score to drop below the guidelines. I sent him proof of me completing the requested actions and he then denied my loan and never submitted the application to the GAXXXX XXXX for down payment assistance for healthcare workers and low income families. He did not offer me all available options. And sold my information cause my social security number And credit report to be leaked on the dark web. 
XX/XX/2020

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Walked in to open a business account in US Bank located in XXXX ca. Was recriminated by banker Banker named XXXX. Was told can not be opened and also put my personal account under a hold/freeze for no reason. Did not and do not have access to my own funds. Reason for hold unknown. There is no ppp loan or sba loans deposited in account. Contacted customer service and was told the hold has no description and was for no reason. I have served 4 years for this country and i feel I was discriminated by the employee. I am out of my own money.

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 2020-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
my credit limit for capital one card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.

Company response to consumer: Closed with explanation