vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I received a credit card directly from a sit down at Citizens Bank in XX/XX/XXXX as they said '' pre-approved '' No verification of wages was ever obtained and they said that is not done on a pre-approval ... which i do not feel is true. 

I am on XX/XX/XXXX of {$11000.00} annually. I was issued a card for {$7500.00} Prior to and thereafter was hospitalized for my schizoeffective disorder and then went shopping and maxed my card. 

I have 3 other account which i owe nothing on and should of either been denied or given a lower amount if the credit check and income was verified. 

I can not afford payment and my mom has been helping to avoid crashing my credit. I do feel at fault even with my mania to pay the bill. 

I reached out in XX/XX/XXXX and was offered a payment plan and interest of 2.9 % for 5 years and then they said the account wasn't old enough to warrant a plan. 
So i waited until 6 months and sent in documents for hardship and my income again to be told the account wasn't old enough. I am trying to get a reasonable payment plan, interest or settlement. 

I called again today XX/XX/XXXX and was told to send in a hardship letter because the account is current ( because my mom is paying ) as i stated to not ruin my credit any further. 

I feel the bank was dishonest and inproper practices of card issueing. I would like the bill to be reduced to what i should have offered at application which is nothing or far less than the {$7500.00} i got. 

If they had done a verification of income i probably wouldn't have received a card bing that i have 3 other cards with available credit of more than XXXX total. This is concerning. 

Please help me make the bank responsible for their errors and for myself to get out of this mess. 

The process seems unethical and unfair and i can't anyone to help me. 

I explained that i know if it goes to collection they will not get any money as they can't garnish my social security. I stepped forward to resolve and they aren't willing unless i jump through the same hoops with the same answers and nothing being done to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I went to a local TJMaxx store for some purchases. When the cashier was ring me up she asked me if I wanted a rewards card where I could get discounts when I made purchases in the store. I asked her '' you mean like a XXXX reward card '' and she said yes. she asked for my Drivers license and the next thing I knew she said it was declined. I then asked her was this for a rewards card because why would a reward card decline? and she answered yes. I insisted something was not right about it and she got a manager who informed me it was for a credit card. I was very upset and told then they needed to train their staff better and if I had of known it was for a credit card I would not have done it. I am not sure how the inquiry even hit on my credit because she never obtained my SSN, but it did. I sent a letter to TJMaxx corporate office, but I never received a response back and I also sent 2 letters to Synchrony Bank, who did respond both times and even stated that I had provided my SSN and my income, which was absolutely incorrect. I will NEVER get a card at a store again.

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 2020-07-21 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: FL

Complaint narrative:
I have the XX/XX/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. XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX | XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
After checking my credit report online via XXXX XXXX and XXXX. I would to dispute my PayPal and Bill Me Later closed account. In 2011, I purchased a mini XXXX laptop for myself and an XXXX laptop for a friend. The mini laptop was paid off and the second laptop could only reach five payments. The account is noted as an Revolving account on Paypal.  The account is paid satisfactorily and I would like to have the account removed from credit history as well as an increase in my credit score for XXXX and XXXX. Also, note that the following laptops while moving were lost/ stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: PA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.

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 2020-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a customer with Khols for several years. I called in to make a payment in XXXX the payment would be one week late - I explained that this is COVID related as I have income from New York and I was not getting that income right now. I spoke to a supervisor on XX/XX/XXXX and I gave him my XXXX account information. He told me a payment of {$200.00} was needed for XXXX. I made extra- a payment of {$300.00} I told him that I am transferring with my job and I was worried about my credit report for XXXX. He assured me that my credit was fine and this extra payment would take care of the account and bring it current. He told me there were some late fees but he would credit them back for me. 

My current account balance should be {$1300.00} but KHOLS keeps reporting me with a high balance of {$1800.00} - and even though I paid on XX/XX/XXXX for {$300.00} they just reported to all 3XXXX credit bureaus that I missed XXXX payment. I found out today after calling 5 times that the customer service is offshoring their services- so the staff put me on long holds and transferred me to a dead line. 

I then tried calling the corporate headquarters in XXXX but got sent to a voice message box. 

Khols said the credit reporting is an error but it. will take 30-60 days to fix. I can not wait this long. I need a perfect credit score - even to get into an apartment- This is a nightmare

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-21 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: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Several attempts to pay account in full were made on XXXX XX/XX/2020. My first contact was with XXXX XXXX. 
I was transferred multiple times. I was given the number of XXXX which is incorrect and lead me to a telemarketer. 
Because of the harassment of being moved from call to call, being given the incorrect number and having multiple transfers and multiple agents for over four hours. I feel this is a harassment tactic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was a pending collections which was paid and settled on XX/XX/2020 but experian still showed it for more than a month. I did not want to dispute this collection as the agency ( XXXX XXXX XXXX XXXX ) had already agreed to delete the account from all credit bureaus - and this was indeed deleted from equifax by end of XXXX. But experian still had it on my credit report with info that I have a balance to be paid of {$150.00}. 
Since I did not owe any balance as per XXXX, I told experian to update the balance provided that they dont file a dispute. I was told to submit the letter and that experian will address the same without filing the dispute. 
However after submitting the letter experian opened a dispute and when I got notification of this on email. I immediately called them and asked to remove this dispute. But now experian wont remove the dispute and say that they open dispute once they receive docs. Also on checking Experian found that collections has sent them info to delete my collections account from the report altogether - but they can not remove dispute as they recevied information from the agency ( XXXX  ) and have to wait until 30 days for the process to come to conclusion. 
I am being penalized for false information from experian and holding my account in dispute when I have not filed the dispute. 

The experian rep XXXX also insisted on asking me my SSN over the phone, when I asked them to use any other alternative as I was in crowded place and experian rep had worked with other info earlier. But she wont accept my request and said she is supervisor and will not transfer to anyone else to process the complaint.

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 2020-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IN

Complaint narrative:
I had a previous past due amount that was included in a chapter XXXX mortgage. For approximately a year I tried to bring my mortgage current via XXXX  XXXX XXXX   XXXX. Homepoint Financial kept refusing those payment attempts and then added excessive fees outside of the federal bankruptcy claim amount. We resolved that debt on XX/XX/2020 and current on my mortgage to date. It took 2 federal court orders, and a previous complaint with the CFPB to force Homepoint Financial to accept the payment from the XXXX XXXX XXXX XXXX. Now today XX/XX/2020 I get a phone call from Homepoint Financial demanding a payment of {$5200.00} and when I try to explain that im current, the representative gets aggressive and tells me I owe that amount that the XXXX XXXX XXXX XXXX didn't cover the total amount due. My attorney and the State of Indiana has legal documents that prooves otherwise. We will now be seeking additional legal counsel to file a lawsuit against Homepoint Financial for violating federal court orders, and legal binding documentation regarding the payment from the XXXX   XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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:
FTC Violations XXXX  {$1000.00} XXXX {$5200.00} XXXX {$470.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX Never live at these addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-21 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: Ditech Financial LLC
State: SC

Complaint narrative:
I am XXXX XXXX XXXX XXXX and during XX/XX/XXXX my home in XXXX XXXX FL was destroyed by Hurrican Micheal. My loan with XXXX XXXX was placed into Forbearance starting in XX/XX/XXXX. My home was repaired and livable again in XX/XX/XXXX. At that time loan modification paperwork was done to add the months of forbearance payments to the end of the loan. While the modification paperwork was being completed Dietech Finacial placed my loan in delinquent status showing it 120 days late. I started my payments in XXXX of XXXX during the time while waiting on the loan modification to be completed. I was informed that in XX/XX/XXXX that delinquency was an error and that the error would be corrected and that since it was a state of emergency and a natural disaster that the delinquency was a mistake. I have been unable to reach XXXX XXXX as it filed for Bankruptcy and since that time it has closed down and transferred my loan to XXXX. I have also contacted XXXX  on XXXX XX/XX/XXXX to inquire if they could place an investigation into the negative post on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
A collection agency called Gensis Management put a collection account on my credit. It says medical. I have insurance and don't have any outstanding debt. I sent a request for validation but they won't send me anything. Every week they add more money to the debt. I keep getting alerts from XXXX XXXX showing that the balance has increased every few days. This is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: OR

Complaint narrative:
XXXX/DSNB received payment of {$1200.00} by cashier 's check from my bank ( XXXX XXXX ).

When contacted they denied receiving payment. On subsequent contact on JuneXX/XX/2020 DNSB again denied receiving payment. When informed that I had received a copy of the cashier 's check showing that it hD been deposited on the second of XXXX, the representative told me to fax a copy to them at XXXX ; the representative then said it would take 51 days ( no explaination of the reason or what resolution ). 
The transmission was on XXXX XXXX at XXXX local time. On approximately XX/XX/XXXX I received a letter informing they are unable to process my inquiry. Please contact them at a number on the letter. I did not do that, since this is not an inquiry, it is a statement that they have been financially irresponsible. I am now in receipt of a bill for {$1000.00}, due XX/XX/2020. While I am capable of paying that amount immediately, I believe that they would then have {$2900.00} to clear what was a {$1200.00} amount. 

( As additional information, I had a similar problem with DSNB 's parent bank CITI.  When pressed Citi spent approximately two minutes, and responded the they had a cashier 's check in my name for the amount due. Two weeks later I received a new statement showing that the account ( at Best Buy ) had been paid. )

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 2020-07-21 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: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Specialized Loan Servicing LLC failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw

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 2020-07-21 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JPMCB is reporting unfailry to my report as i never had an obligation with them. please rectify this

Company response to consumer: Closed with explanation