vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-17 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
called barclay today to state that this household has been effected by covid hard. i have taken permanent [ ay cut and taken back XXXX dependents without benefit of support supporting family of XXXX on XXXX!!! barclays has offered a temporary assistance but need to be permanent SOLUTION .i am willing to be pro active and ask for settlemENt but they don t want p hear it.all along no reductiOn in intrest rate either OFFERED.THERE REPS AWFUL TO DEAL WITH AND CUSTOMER SERVICE EMAILS DONT ADDRESS PROBLEM,

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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KS

Complaint narrative:
I have experienced fraudulent activity on my Cash App Account. I have tried to resolve the issues thru the app and emails, but have not received any result and it has been months of trying. I could not get any statements, but was able to go through and write down all the unauthorized transactions : XX/XX/2020 XXXX XXXX - {$74.00} XXXX XXXX - {$79.00} XXXX - {$79.00} XXXX XXXX - {$74.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase regarding 2 credit cards that I had past due. in order to fix the issue and bring them current, XXXX XXXX. I spoke with a representative who told me that if I completed 3 consecutive payments and set them up via auto pay that my account would be current and in good standing. I set up the payments that he told me in the manner and amount. 1st card - {$140.00} for the month of XXXX, XXXX, and XXXX. XXXX card - {$74.00} for the month of XXXX, XXXX, and XXXX. All payments have cleared and posted to my credit cards. When attempting to pay my XXXX payments for both cards online, they both show delinquent. I then call Chase to try and resolve the issue. Not only am I transferred multiple times but then I am told that one of the cards is now closed and there is nothing that can be done. I am also told that previous agent did not set up the XXXX. This is why it reset was not processed. Even though the previous agent didn't complete the process and handle it correctly there is still nothing that can be done. I proceed to set up the arrangements again. The new reset program is card # 1 XXXX, XXXX, XXXX each for {$160.00}, Card # 2 is XXXX, XXXX, and XXXX each for {$93.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: CA

Complaint narrative:
Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon

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 2021-02-17 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:
Hello I have continuously tried to express to the credit bureaus and XXXX XXXX that the account credit card account they have concerning me is not mine and is fraudulent. I am a victim of identity theft and did not open a credit card account with 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 2021-02-17 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:
Hello I have continuously tried to express to the credit bureaus and XXXX XXXX that the account credit card account they have concerning me is not mine and is fraudulent. I am a victim of identity theft and did not open a credit card account with 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 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
SANTANDER CONSUMER USA is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with SANTANDER CONSUMER USA. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDER CONSUMER USA for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i went to td bank to make an international transfer to XXXX to td bank the bank worker set it was going to be there the next day the transaction was on XX/XX/2021 for XXXX dollars and the money is not there i went to the branch on XX/XX/2021 and the manager told me international takes three to four business days today is the XX/XX/2021 i call td bank and now they are saying that its going to take 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : SOUTHWEST RECOVERY SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX, I had been making regular, timely payments above the monthly limit, to this credit card account, effectively paying off the credit card in XX/XX/XXXX. I even had a credit from the company for overpaying in XX/XX/XXXX. 
On or about XX/XX/XXXX, I received a letter from " Cardmember Service '' stating my account was " past due '' and " because of [ my ] payment history, we have reduced your credit limit to {$500.00}. '' I had a late payment for the month of XXXX, apparently. However, the suggestion that my payment history was anything other than exemplary was false and inflammatory. 

Further, the letter did not come from the company with whom I had the credit card, but rather from an anonymous-looking, and frankly, fraudulent-looking " Cardmember Service ''. In no place in the letter did it identify the company I had the card with, and only provided the last four digits of the card. The address of this " Cardmember Service '' did not even match the address of the credit card company to whom I send payments, further raising my suspicion about the legitimacy of the letter. 

My previous credit limit was {$24000.00}. By reducing my credit limit by {$23000.00}, XXXX XXXX XXXX effectively lowered my credit score from XXXX, an " Excellent '' rating to XXXX, a " Average '' rating. This extreme reduction in my credit score eliminated my ability to qualify for a competitive mortgage refinancing interest rate, thereby costing me thousands of dollars by eliminating my ability to apply for mortgage refinancing. 

I called the company on XX/XX/XXXX to inquire as to the reason for the extreme reduction of credit, to express my frustration with their action, explain the detrimental effects of their action, and request a reinstatement of my credit limit. The representative suggested I speak with their " consumer recovery '' department. When I was transferred to this department, my call was routed then back to start over at customer service. Their only response was to suggest I reapply for a credit increase. Such an action would reflect a hard check on my credit report and further diminish my credit score, so I firmly declined this action. 
On XX/XX/XXXX, I called again after my account being fully paid off to request a return of my original credit line, and they again said I would need to reapply for a credit increase. 
Due to their misleading, unjust and personally damaging actions, I promptly closed the credit card and will never do business again with any credit company affiliated with 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 2021-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: AK

Complaint narrative:
I believe the one check was deposited/ cashed 2 times. I have called ally bank in excess of 40 times to solve the issue. None of the customer service people can help. They transfer me to the wrong department or disconnected the call to date I have spent 36 hours trying to in touch with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00} ( interest only ). When I asked them to provide how they count {$68000.00} interest and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. 
Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? 
I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. 
They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX by their customers on last 6 months.

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 2021-02-17 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: CA

Complaint narrative:
Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon

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 2021-02-17 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: CA

Complaint narrative:
Back XX/XX/2020 I filed disputes with the bureaus.Two months later and still nothing from or any change on my credit report. Why is this taking so long? Are all three close because of Covid that the only thing I can think of for them not doing their job.I would like matter resolve soon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Modification process stopped with lender ; foreclosure hanging over our head during covid 19 period No offer of forebearance Washington state has been shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 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: NC

Complaint narrative:
Transunion has refused to update a correction made to an account with XXXX XXXX XXXX. There were 6 consecutive late payments added to my account which lowered my FICO score from XXXX to XXXX and I was denied credit due to the inaccurate late payments. With a complaint filed with FDIC, XXXX XXXX corrected the error, crediting all fees and sending a statement reflecting that the account will be updated with all bureaus to show Closed by Consumer and 100 % payments made. 

Transunion did not properly process my dispute in XX/XX/2020 and replied on XX/XX/2020 that the negative reporting was accurate, in spite of a letter from XXXX XXXX and the FDIC which verified that the account should be reporting positively. 

It has exceeded 30 days since filed the dispute and I was required to send in copies of the FDIC letter and the document from XXXX XXXX  which clearly states the account has been corrected. 

I called XXXX XXXX  today and spoke with an internal billing manager and he said they have not received any disputes from Transunion or notices that I was disputing the account. The rep explained that Transunion, XXXX, and XXXX  received the updates on the same day in XXXX and the account should have been properly reported at that time.

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 2021-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IN

Complaint narrative:
One of the companies handling my loan, XXXX, proactively stopped requiring payment due to forbearance from COVID. My other servicer, AES, did not, so I applied for forbearance from them as well. They denied my request and continue to bill me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 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: T.S. Holdings
State: TX

Complaint narrative:
I have paid an agreed settlement of XXXX on XXXX with I.Q. DATA INTERNATIONAL, INC XXXXXXXX XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX They have not mailed or emailed me a receipt for this and have not reported the settlement to the credit bureaus. This collection company 's ' representatives ' has continued to state there will be a balance showing on my account and continued reporting to the credit bureaus I am delinquent. I have many times tried to work out a settlement with them which they have refused. I received a letter in the mail XX/XX/2021 giving me an option for settlement which I paid. IQ Data has not held up their end of showing the account settled. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US)
State: AL

Complaint narrative:
Received letter today XX/XX/21 re : a XXXX debt of which is not possible. I use XXXX and don't carry any debt. Read online it's a scam and to contact you. I am contacting you in hopes you can resolve as I will not contact this bogus collection company and I will fwd this to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I HAVE 2NDING XXXX CREDIT CARDS PAST DUE AND I NEED TO SETTLE BOTH ACCOUNT ENDING XXXX AND XXXX, ONE ACCOUNT HAD SINCE XX/XX/2009. 
THE TOTAL OWED ARE $ XXXX SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This debt is from Kohls department store in XXXX New jersey is where I opened up the account and I paid off the account I called the store on several occasions I called the corporation on several occasions to try to clear up this issue my statement that I did find has a different account number on it the account number that they told me has the debt is not the account number that my account is also I asked for statements they can not produce any statements or any history of payments or non payments they only had one payment so they say {$50.00} in XX/XX/2016 which I told them of him I have requested over and over for proof of debt I was told by the corporation that there is no statements and there is no balance statement so I would like for the company and I would like for the three credit XXXX XXXX XXXX XXXX XXXX to remove this debt from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Specialized Loan Servicing stop sending Mortgage Statement XX/XX/2021 have request statement to be sent three times since and reply is always no they dont have to and just go online if I need a Statement I am not in bankruptcy and am offended to be treated as such

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