vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I reported to Trans Union the credit card was not mine and they verified the account was accurate. I dont have any information about the account except that it was opened with a XXXX XXXX It has balance of {$210.00} and a credit line of $ XXXX. As soon as it appeared I contacted Trans Union. I put a freeze on my credit reports and alerts on all three credit lines.

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 2020-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages. 

I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee. 


***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard . 

We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request.

Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment. 

Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app. 

Sincerely, Customer Care

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 2020-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am trying to link my PNC account to my XXXX  account so that I can transfer money to PNC in order to bring my account out of a negative balance. Ive been having this issue a lot with pretty much any site I try to connect PNC with it usually denies access to my account. I just need help getting PNC to allow me to connect my bank account with other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I dont understand I got a letter from synchrony bank, regarding a mattress firm account which I knew I never opened an account with this company so I was surprised when I got that letter because I never even receive a bill so I dont understand

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 2020-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : 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 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
XXXX  is reporting an false account on my credit file. The Financial Management account was deleted back in XX/XX/2020 as you can see from the attached credit file. Then reported at the same time with a balance of {$9900.00}. Falsely claiming I made a payment of {$7.00} When I was never given legal documentation detailing any information about this account. It's payment history, late fees, original balance, sign contractual agreement with FMS Financial Solutions. No relation documentation or Title of enrichment was ever provided as to whom this third party debt collection company represents. XXXX  continues to report this false account though I have sent documentation that would state these facts.

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 2020-04-29 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: EQUIFAX, INC.
State: MN

Complaint narrative:
To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TFC Credit Corporation of California
State: IL

Complaint narrative:
I contacted the company in XX/XX/XXXX & XXXX in regards to reporting the account to all three credit bureaus, I was told it would report nothing ever reported under my business name and personal account. The loan was taken out in XX/XX/XXXX through XX/XX/XXXX in the amount of {$20000.00}. This loan was taken to build personal credit and business credit. TFC was paid the loan amount plus interest for a period 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Explained to the creditor that the account was settled and paid and they sent me a little explaining they received it and the account is settled now they are lying saying they never received payment or agreement to pay to delete account on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NJ

Complaint narrative:
I recently contacted via email to request from American education services ( AES ) XXXX  XXXX asking if I could change my electronic monthly payment from the XXXX of the month to the XXXX of each month due to the fact that I am retired and my income in monthly social security fund that I receive I. The second Wednesday of each month. Unfortunately the second Wednesday is sometimes after the XXXX making having the funds available for my loan payment inconvenience. AES responded via email on XX/XX/XXXX granting the payment due date. My problem is that they also decided to recalculate my payments from {$190.00} to {$120.00}. This action would prolong the completion of paying off my loan and paying interest rates. I have been paying off this loan since 2002 and need to be finished as soon as possible. I simply want to continue paying the {$190.00}. I called their customer service and spoke to both a representative and then his supervisor. I was told by both that they could not change my payment due date without the recalculating of my payment. My only option would be to contact them each month and adjust the payment upward. I found this to be a thinly veiled way to exploit me and for them to squeeze more money out of me. My other option was to leave my payment due date of the XXXX to keep my payments of {$190.00}. I opted to keep the payment of the XXXX despite the constant stress this causes me. I do not appreciate the lack of professionalism and customer service shown me in this situation and would greatly appreciate your help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$320.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$190.00} XXXX  XXXX   XXXX {$860.00} XXXX XXXX XXXX {$490.00} XXXX   XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Option one mortgage company. XXXX  XXXX XXXX XXXX, has fail too give me the ownership paper too the company. Operational agreement, spendthrift paper too me as to new owner and beneficiary. From the old owner. I need cpa accounting too what yall been doing with my money, my companies make .and a copy of the operational agreement, from the old owner 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 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Executive Financial Consultants, Inc
State: GA

Complaint narrative:
I filed for bankruptcy in 2015. This account was included. My bankruptcy was closed and so were all of the accounts associated with this. This account is still being reported as open and is reporting to my credit as late every month. This is causing me economic harm. As I can not secure a home loan for my family in the middle of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was recently denied credit and was told it was due to Navient reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I do not have the date of latest letter in 2020 ... .company saying I owe them money ... .I checked with the supposed " creditor name '' and they said I was totally up to date ... in fact, I have an auto payment!!! 
Upset because this is a total waste of my time to deal with these people!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am a XXXX, I live in Connecticut. 
I made a cashier 's check for onXXXX {$22000.00} to pay for a new car. I had to drive to XXXX, NY in order to obtain the check at Capital One Branch, there is nothing closer to CT. Due to COVID 19 outbreak I didn't get the car, so I called Capital One in XXXX to cancel this check and get my money returned to my checking account. Nothing was done. I called every week for a month, and my money are still missing. 
I spoke several times with Capital One customer service who told me bank will not return my own money unless I drive from Connecticut to New York Capital One office to deal with it. They told me that it is up to me to do it, but money will not be returned unless I will be personally standing in NY office. They said even with COVID outbreak and lockdowns, and emergency situation those are Capital One bank rules. They said they are aware that many Capital One locations are closed.They suggest I break guidelines and recommendations during COVID pandemic in order to claim my own money. They never send me any written documentation regarding my claims and calls. I wrote directly to XXXX XXXX, CEO of Capital One, and to manager of XXXX  Branch XXXX XXXX, with a cc to complaints at Capital One, none of them bothered to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The portal from XXXX to access the 3 major bureaus seems to be completely useless for accessing Equifax reports. It caused my browser to crash repeatedly, and my cpu and ram usage were both maxed out just from their site attempting to load. After attempting in another browser, the site says online delivery can not be performed and requested that I ( very unsecurely ) mail them a form with photocopies of information that in the wrong hands could be used to damage the very reports they are making it impossible to access. 

I have never seen my credit report from Equifax. That is all I'm trying to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: WI

Complaint narrative:
This company calls from assorted phone numbers, all of which are not active when called back, they use number spoofing and neighbor spoofing to call and threaten legal action. I have never dealt with them and will never return a call or " log into their website '' to do business with them.

In veiled language they threaten legal action, disguised just enough to make it legal, but threatening none the less. They also threaten to contact you neighbors, friends and family and employer.

They need to stop calling me or anyone they have on file with my account, cease and desist immediately!

They don't even use a legitimate street address, how could you trust a scammer like this?

They are a shady bill collector who uses scare tactics and less than legitimate technics to scare people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Option Funding, Inc.
State: CA

Complaint narrative:
I was working with a Loan officer by the name of XXXX XXXX with Option Funding. I had been working with her for several months. She was trying to be the real estate agent and the loan officer. She told me to send her homes I was interested in seeing. I sent this lady so many homes and I never saw any. I went out an got a real estate agent to show me homes and this lady would show me 4 house in a day, at least 10 a week. I found a home I loved and XXXX sent me notice on XX/XX/2020 I had full loan approval, well with all this Covid she did not secure the loan and the company placed overlays which made me didn't qualify no more dur to the DTI changes. A week before my closing date I received a email with prices and saying my closing cost was 13+ thousand to close. I had already placed {$5000.00} in escrow do i'm think I only had to bring in the rest of my 3.5 percent since my closing cost was covered by the seller. When I called she said I now had to buy down the rate in order to get the rate I wanted. She never once mention about impound accounts til a week before my closing and we talk almost every day. I felt like for me to be a 1st time home buyer she failed at disclosing all information upfront. When you ask her questions she gets dance around what you asking. Her tone would change. I called XXXX is suppose to be a supervisor and cried and explained how this experience for a 1st time home buyer had me feeling. He did nothing but say he worked with her for 30 years and hasn't had a complaint. This woman never apologized even after I told her how she was being rude all she did was say " I was getting frustrated '' She could've easy made this better by owning up to her part, apologizing for being rude. I had my real estate age on three way and XXXX knew it because I thought I was going crazy not understanding what she was doing but my agent felt confused also. You ask her questions and she picks and chooses what to respond to. Horrible

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation