vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XX/XX/2020 I received a XXXX interest balance transfer offer from XXXX ( XXXX XXXX XXXX XXXX ) Visa. I called XXXX and asked them to transfer {$4600.00} to my PAYPAL Credit Card. 

XXXX said they had to mail them a check for this payment. They mailed the check to the incorrect address at PAYPAL in XXXX, GA when it was supposed to go to Florida. XXXX, GA cashed the check, but did not apply it to my account. This was on XX/XX/2020. I believe this may have been the Paypal Division and not the credit card company. 

XX/XX/2020 I called XXXX and they informed me that PAYPAL had cashed the check. I then contacted PAYPAL to ask why it wasn't applied. PAYPAL said they had lost the check. They then found it and paid off my account. At that time I had a credit balance of approximately {$170.00} when I viewed it online. 

On XX/XX/2020 I received a statement online from PAYPAL which shows that they have removed the check from XXXX and that I still owe them. 

I called Paypal Credit to ask them why my payment has been taken off. I was told that there was a problem and that I needed to write them a letter asking them to apply the check. I then called back later to get the address for this letter and was told by someone else that the check had been returned to XXXX XXXX XXXX XXXX. 

Today, XX/XX/2020 I called XXXX and spoke with XXXX. He said that they have not received any checks back from Paypal Credit and their records show the check as cashed on XX/XX/2020. He was appalled on the responses we have gotten from Paypal Credit to this situation. 

I called Paypal Credit back again and was told them what had transpired and was told that it will take 30 days to rectify the situation. 

I need this account paid off in full immediately. I am in the process of buying a home and this is showing a negative effect on my credit. Currently I am owing XXXX for paying off this Paypal Credit Account as well as Paypal Credit refusing to apply it and retaining my balance plus accumulating interest.

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 2020-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Case Number : XXXX Amount : {$100.00} Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. 

Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
First Source Advantage has called my number attempting to collect a debt for someone other than me. 

They keep calling even though I am not named XXXX and have had this phone number since 2009.

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 2020-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I recently received an email from a company named ace cash express in new york stating legal action was going to take place on the amount of XXXX that I owed. I was scammed by this company a while back and now they say they are gon na file a lawsuit and I'm gon na go to jail and face a very heavy fine if I don't pay. I contacted the company and they told me that no contact has been made by them or anyone that is involved with this company. The email came from XXXX XXXX XXXX and they used a XXXX account. I have screenshots and texts from someone who said they worked for them and I was approved for a loan. I didn't know it was a scam until it was too late. They have information on me and now I'm scared. They got into my bank account which I froze to reject a check they tried to deposit and the bank sent it back to wherever it came from and I closed all of my accounts with the bank and went somewhere else. I know this is a complete scam and I will include the email address I got the threat from so everyone knows its a scam. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION CREDIT BUREAU REPORTING : XXXX XXXX  ( XXXX ) - REPORTING NEGATIVE TRADELINES ON MY TRANSUNION CREDIT REPORT REQUESTING REMOVAL OF ALL NEGATIVE LATE MARKS

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 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I recently applied for a credit card through XXXX XXXX. I am a XXXX XXXX  XXXX  who is about to begin XXXX XXXX XXXX  XX/XX/20 in New York. I was rejected for the credit card on XX/XX/20 ( and I have been rejected several times over the last 3 years without understanding why ). On this most recent attempt I called XXXX XXXX and was told that TransUnion reported that my debt to income ratio was too great because I will be paying between $ 8000-9000/month on my student loans, >2X my monthly income. This is absolutely incorrect. I applied for the income-based repayment plan which will allow me to pay as little as $ XXXXmonth. I tried to call TransUnion multiple times. Once I was told that my student loan debt wasn't showing up. Another time I was placed on hold for 5 hours when I requested to speak to a supervisor. I am incredibly frustrated and need someone to advocate on my behalf. Additionally, I told TransUnion that they have the wrong last name on file for me ( XXXX, instead of XXXX ) and they have not corrected it 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 non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
My name is XXXX XXXX, I have several accounts with USAA. One account is a joint account with my wife and my XXXX year old daughter, XXXX. On XX/XX/XXXX my daughter had less than {$4.00} in her account. Someone gained access to her account login information and password. The made a deposit from home with a {$1500.00} fake check and made a scribble for the signature. That day my wife, XXXX, checked the accounts and noticed fraudulent activity. The hackers tried to purchase two {$500.00} gift cards, the bank held {$500.00}. USAA denied the two {$500.00} charges, as well as about 10 smaller withdrawals. XXXX called USAA and notified them that there was suspicious activity and that the account needed to be frozen. On XX/XX/XXXX USAA paid out a {$1000.00} purchase for a gift card. We filed a fraud report, within a week we got a call saying that it wasn't a fraud. We spoke with another supervisory rep they looked and said it sure looked like fraud and reopened the claim. Yesterday we got a call saying that USAA confirmed that someone said that they authorized the charges, but were not sure if it was my daughter or the hacker. USAA is trying to say that because someone had access to my daughter 's account, then we will be liable for the fraudulent charges. They even stated that they realize that it looks like fraudulent charges, but that they will still make us pay the stolen money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NM

Complaint narrative:
I called PennyMac to get at 3 months loan payment deferral. I talked to three or four or five people all of them acted like they have never heard of that and all they know about is forbearance I told him I don't want forbearance I want a loan modification payment deferral plan but they acting like that doesn't exist and they kept pushing forbearance. One guy even told me after I asked him if he's ever done a payment deferral before the virus he said yes then I said let 's do it now and he said I have to ask for forbearance before I do a payment deferral

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: AR

Complaint narrative:
I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. 

Mid-XXXX  2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. 
XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX  ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. 
XX/XX/2020 Sent follow-up email about appraisal and received no response. 
XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. 
XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. 
XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. 

My PMI is {$72.00} a month and US Bank refuses to work with me. Why?

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 2020-05-13 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: AR

Complaint narrative:
I received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.

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 2020-05-13 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 received a couple of bills in the mail stating that I needed to make a payment for a loan. I dont owe a loan, I dont have any loans under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two bankruptcies and a couple of inquiries. A couple of other fraudulent accounts that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX, I chatted with Barclay Uber credit card representative, I requested Uber credit card to apply my Uber cash {$28.00} to be applied as statement credit. Uber card rep XXXX refused and informed me that as of XX/XX/XXXX, Uber cash rewards can no longer be applied as statement credit. I had this credit card for since XXXX, I've always redeemed my rewards as statement credit. Yet XXXX insisted such change was stated in XX/XX/XXXX statement disclosure that after XX/XX/XXXX, Uber cash can no longer be redeemed as statement credit. I reviewed carefully the XX/XX/XXXX statement the rep mentioned, there was no wording or phrases mentioning about disallowing Uber cash to be applied as statement credit. I feel Barclay Uber cash credit card is deceiving me by ripped off my statement credit without proper notification.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/2020 I open up an email from Wells Fargo asking me to contact them about an account. I am working so I have to wait until I get home. I also have a letter from them waiting for me in my mailbox saying if I need assistance to please contact them. 

I log in to my account and it says my payment is 20 days late. I have never missed a payment so I was very concerned. I called them and after being transferred to 6 different people, someone tells me that they disabled the auto-debit I had set up for payment for this account because of the recent tornado in my area of Tennessee. 

I try to get an explanation as to why they would do this but still try to say my payment is late because they turned off how I pay it. They didn't have a very food answer. I asked them if the late account would be reported late to the credit agencies and they couldn't answer that either. I wanted to let someone know that they are randomly disabling auto-debit for payments and claiming " disaster relief '' but not letting anyone know they are doing it and not waiving the ability for payments to still be late.

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 2020-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
According to the XXXX website, PNC has made changes that prevent XXXX from linking to my checking account. This account would allow me to save up to 25 % on my fuel bills. Upon calling my local PNC branch, the teller had no idea why XXXX could not be linked to the PNC Account. XXXX had a link on their site to this site ( Consumer Financial Protection Bureau ) and suggested the problem would best be resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIdland Funding ( Supervisor XXXX XXXX, XXXX ) and XXXX XXXX ( XXXX ) have pursued legal action and have been successful in garnishment of my wages. My employer has verified satisfaction of the garnishment. Ive reached out to both creditors asking if I could receive a letter of satisfaction being as though the debt was satisfied and was advised the account will not be updated until the money is actually received from the courts. Midland Funding through the online court system verified satisfaction of the debt and still wont update. Im not even sure how they are able to pursue such action as they are NOT the original creditor. Ive pleaded with both companies being as though Im in the process of purchasing a home and this is delaying the process and neither would budge, my employer was willing to furnish this information and that wasnt enough. My back is against the wall, not only will they not furnish a satisfied letter, they wont update the credit report. As the nation is facing this crisis Ive reached out to the courts to confirm receipt of wages and unfortunately unsuccessful as well. Im asking for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Earlier before today, l had told American Express that because of the COVID-19 emergency disaster and declaration on-going that l will not be able to commit to pay them any money unless l have it. The declaration also calls for non-collection, non late payment reporting to the credit bureaus and for creditors to follow " Fair Credit Reporting '' this time around. l hope this my assumptions are correct because as a business and a person, that is all l heard. 

But today, unfortunately it just came to my attention my credit file contained a collection account from a third party business called XXXX on behalf of American Express. In the conversation, it sounded like American Express deceived this collection agency and gave them my business account balance and told them it was my personal credit card account when indeed l never had or had long ceased to have a personal credit card with American Express. Talking to one Mr. XXXX, he imposed on me that the account in question is my personal credit that l owed American Express. His lies are so bare that he jumped from talking to me to wanting to talk to my nephew XXXX who lives in XXXX and XXXX XXXX, my ex-bookkeeper who lives in Indiana. 

Initially l thought l was dealing with a legitimate company but when the callers started mentioning XXXX and XXXX, l knew it was a desperate an intimidation strategy. Mr. XXXX if residing in the US, needs to be deported back to his country of emigration or be put in jail for saying he was calling me about my personal credit account with American Express and still wants to talk to the two individuals l mentioned. My also also has told me they called here cell phone looking for me and both XXXX and XXXX. Anyone in this country with an ounce of sense should understand the meaning of privacy. For how can you try to reach anyone for my personal account. 

l did quickly realize that l was talking to a XXXX  when he raised his voice and kept threatening me withe balance which l did not originate as a personal account. This complain is made against American Express and XXXX XXXX XXXX. What a thuggery of an outfit?

Company response to consumer: Closed with non-monetary relief