vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-31 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX  Dba XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NH

Complaint narrative:
I was on vacation with the family in the greater XXXX area. We wanted to attend a XXXX game, so we searched XXXX for tickets and were brought to a XXXX  ad for someone who had tickets. We contacted this person by cell phone and were told the tickets were still available. I offered to pay through XXXX, which ive done plenty of times before. He said he had recent problems with XXXX and preffered to be paid on the Zelle app. I XXXX  Zelle and saw that it was an app that was created by some of the largest banks in the country. It seemed legit to me, as Zelle advertises as a safe and better way to pay online. I sent the man {$300.00} for tickets and headed into the city. At that point, the seller abruptly stopped communicating and we were stuck in the city with no tickets and a {$300.00} loss. I immediately contacted my bank and Zelle customer service. My bank said we would have to address it with Zelle. At zelle, we spoke to a foreign operator who said there was nothing i can do. What kind of crooked business is this? I provided Zelle with the names and numbers associated with the transaction, but they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners
State: FL

Complaint narrative:
On XX/XX/2020, at approximately, XXXX, I received a return phone call from, XXXX XXXX , Chief Compliance Officer, current creditor for Pendrick Capital Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. My goal was to get the correct contact information of Mr XXXX 's agencey. He brought to my attention an issue that led me to filing this complaint. 



Initially, he stated that he listened to all of the phone calls at his agency along with the Debt collector phone calls and stated that they all identified themselves and stated what company they were calling from however l brought to his attention that that was not true and encouraged him to go back and listen to the phone call made on XX/XX/2020 at XXXX XXXX, where the representative did not identify what company he was calling from or who he was calling on behalf of and was very rude and nasty and even went so far as to say when asked, " what company are you calling from? '' he stated " Never mind what company I'm calling from, is this XXXX XXXX!!!!! '' which is attached to this complaint. I did inform Mr. XXXX that I'll be more than happy to accept his apology after hes listen to the recording.

The concerns I raise are Abusive and/or Unfair Practices violate the FDCPA : Calling or contacting you without disclosing that they are debt collectors trying to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
For over a week, I have been trying to remove the bank account associated with and close my PayPal account. When I try to do so ( via 'close account ' link ), however, the page goes blank and am referred to customer service. I've reported the issue to the company, but so far they haven't addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to Transunion, XXXX, and XXXX disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and Transunion, XXXX, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

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 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CERTAINTY HOME LOANS LLC
State: GA

Complaint narrative:
I was checking my credit when it showed I have missed two payments when I have never had a loan with this company. I do not know anything about this.

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Transunion, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made a large payment ( thousands of dollars ) to my Capital One credit card by accident. I was using an online bill pay tool from my bank and clicked on the wrong payee. I noticed right away that I had made this payment in error, and I called Capital One that same day. Capital One told me to hang up and call my bank. I did so, but the payment had already been processed by the bank, and the bank told me that I'd have to request a credit balance refund from Capital One. I called Capital One back and they told me that they could issue a refund as soon as the payment cleared. 

That was several weeks ago. Since then, I have been on several hours-long telephone calls with Capital One trying to get my credit balance refunded. Each time, the person I speak with tells me that I haven't submitted enough information. I have given them everything they've asked for. I have provided them with a bank statement showing that the erroneous payment came from my account, that I own the account, etc. But each time, they tell me it's not enough and they need more information. Now they are telling me that they need to speak with my bank, but they can't hold for more than ten minutes and my bank has a hold time longer than ten minutes. I don't know what to do at this point. I also submitted a written request for a refund of my credit balance. It is a lot of money and I suspect that Capital One is intentionally withholding it from me for some reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Incorrect name XXXX XXXX Please delete it Please update my correct name 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 non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I contacted LoanCare servicing company, who bought our loan from the original lender after we bought our house, about my recent unemployment here in XXXX XXXX XXXX due to COVID-19 on XX/XX/XXXX. I submitted a request for help thru loss mitigation to see if we would qualify for a deferment for our home loan while we get thru this time. I received an email requesting more information on XX/XX/XXXX and documents to fill out. A LoanCare representative called me on XX/XX/XXXX and explained to me that currently they are not offering any deferment options besides a forbearance option, in which the total amount owed during that forbearance period would come due at the end of that term. If we are struggling to pay our mortgage now, with one of us not working, how would we be able to pay 3 X the amount at the end of that period. I asked if the federal gov't had made any mandates to LoanCare to help with this crisis, such as being able to skip a payment or two and tack it on to the end of the loan term, and she said no. Why is this large company not offering anything to support the people that have and are paying their mortgages on time in a time of pandemic. Other companies/ credit unions like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in California have offered relief options but LoanCare offers nothing.

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 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to XXXX, XXXX, and Equifax disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, XXXX, and Equifax have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter certified to XXXX, Experian, and XXXX  disputing similar incorrect and unverified item on my report. I requested the signed application that the creditor is saying I signed. I clearly have a message on my credit report that states new accounts can not be opened without a phone call to me to verify that I submitted the application. It has been over 30 days and XXXX, Experian, and XXXX  have violated the FCRA by : Failing to notify a creditor that I disputed the inquiry that it has been reported Failing to notify a creditor that I disputed the validity of the account Failing to conduct a reasonable investigation of my pending disputes Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

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 2020-03-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
During the Covid19 epidemic, my loan company caliber home loans ( https : //caliberhomeloans.com ) is offering what they call a forbearance plan. ( https : //caliberhomeloans.com/tools-resources/faqs ). 

They are allowing a temporary deferment on your payments for a couple months, but then the whole sum payment of what was deferred is due in full at the end of the forbearance. 
If we are being mandated not to work this helps us in no way but driving us further into debt and ruin. I know other mortgage companies out there are allowing the life of the loan to be extended without penalty because of the crisis we are facing. 

I am issuing this complaint in hopes that your organization has a higher authority to help bring a sensible justice for us locked into a bad situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
My husband XXXX XXXX and I, XXXX XXXX, both have auto leases with Chrsyler Capital, since we are both self employed, our businesses have both been impacted by the COVID situation since we are forced to close non essential businesses. My husband XXXX XXXX called to see what hardship options were available for his lease and was told they are providing two months deferment and he would receive an email to fill out. I called to receive the same option for my auto lease 30 minutes later and was transferred to the " assistance team ''. The agent I spoke with from the " assistance team '' had an attitude the entire time and initially offered a one month deferment, I explained to her that my husband had just called and said they were offering 2 months, she seemed very reluctant and said she would put it through and that I would receive an email in a day or two. 

Neither my husband or I ever received an email and on XX/XX/XXXX they took my automatic payment out of my account that is set up with their company. It was {$390.00} that I did not have to spare. We have XXXX children, can not receive unemployment, and don't qualify for any assistance. I also messaged them on XXXX messenger with the same information and they replied asking for my information, no one has called. My husband also called Friday the XXXX and told them he hadnt received the email and they said he would receive it by XX/XX/XXXX, he still hasn't received an email. 

I have included my account number ( XXXX XXXX ) in section 4 of this complaint. XXXX is XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX Citi Cards Customer Service Box XXXX XXXX XXXX, SD XXXX Re : Account XXXX XXXX XXXX XXXX Gentlemen : In a telephone conversation with your agent on XX/XX/XXXX, I disputed a late charge which appeared to be waived, but was subsequently reapplied together with interest charges to my account. I normally pay my account two days prior to Citis due date and confirmed that the payment in question had been issued by my credit union timely. 

Subsequent statements indicated more fees and charges based on that same event. I disputed the reapplication and additional fees in a subsequent telephone call, however your representative declined to remove the fees and rudely told me to post payments four to five days earlier so Citi had adequate time to process them. 

I shall not allow Citi to apply fees and charges due to its inefficiencies and, as stated to that representative I shall not waste my time to speaking to rude personnel. 

I paid all current charges cited on subsequent statements, but not fees and charges. I demand said fees and charges be reversed and the account returned to a XXXX  balance. I shall not use the account until such is done. Should Citi refuse to do so, please close the account and note it was done at my request.

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 2020-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
I called moneykey on XX/XX/XXXX to tell them that my job closed my store due to the virus and I have no income coming in at the moment. I wanted to set up a payment plan for when I get income coming back in. The guy on the phone told me " I suggest you apply for unemployment so that way you can pay us back. That is the option most people are taking to get our money back. '' Then I told him I wanted to revoke the authorization for ACH because my bank account is now negative $ XXXX due to this. He told me he turned that off for me. Now, on XX/XX/XXXX I am getting automated voicemails from them for me to call and also a email saying that a payment did not go through. I checked that bank account and again they tried and I have more overdraft fees. I called them on XX/XX/XXXX to ask why they tried to push a payment through after I revoked permission for them to do that last week and we set up a payment plan when I got income coming back in. They lady on the phone acted like she couldn't hear me after I finished my question. I kept repeating myself over and over and still same response " I can not hear you can you repeat that again. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The cominety bank credit card debt collector calls my phone atleast 5 times a day every day of the week I only spent {$130.00} dollars on this card its very unnecessary to call that many times and just rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Our transition from XXXX XXXX  to NewRez has been full of miscommunication and representation. We have had perfect payment history with XXXX and tried to pay our mortgage due during the transition to NewRez ( we never received our welcome packet or information to pay ). Between XXXX to XXXX - we have diligent tried to pay our mortgage and work with the new Mortgage provider. Constantly being reassured we are within RESPA by both XXXX and NewRez, waiting for the documentation we were unable to pay our mortgage with the new provider. The new provider then reported TWO 30 day lates against our credit which sent our finances and credit into a downward spiral. 

Shellpoint Mortgage is owned by NewRez and its representatives express inexperience and lack of professionalism. The company 's infrastructure shows they are unable to properly track communication and or escalations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31 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: VA

Complaint narrative:
It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.

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 2020-03-31 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: VA

Complaint narrative:
It's not my account and inquiries, i have never applied for this. I believe that somebody used my personal information and applied for this. I'm not responsible for this debt.

Company response to consumer: Closed with explanation