vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am currently going through extreme financial hardship due to a canceled project from the XXXX   and now I have a XXXX XXXX which has put me out of work for at least 6 to 8 weeks so I have no income. I have called Citibank financial hardship to see if they can help me and they told me I did not qualify. I asked to speak to a manager and I asked why I could not qualify since I have no form of income and I am facing potential homelessness due to financial hardship, And he told me that he does not know why and could not get me to a person that would explain or be able to explain why I did not qualify for financial hardship. His name is XXXX his employee number is XXXX. I asked for this information at the end of the phone call so that I may make this complaint. This call was made on XX/XX/2020 at around XXXX in the morning

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 2020-03-11 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: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. Suntrust Bank was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.

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 2020-03-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2020 Experian now show 2 late payments for unknown account. 
Delete this information per FCRA. 
Send me updated credit report by mail.

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 2020-03-11 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Original creditor was XXXX  which was in the BK field XX/XX/XXXX which have a XXXX balance Cavalry Portfolio Ser bought the debt XX/XX/XXXX after BK was file and please in collection XX/XX/XXXX ask XXXX XXXX with a XXXX balance asked the original creditor this is a Reappearance of a trade line and after the BK was file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bought my mortgage eight years ago. I have never missed a payment or had a late payment. I have had numerous problems with them. Last year I ended with an escrow overage, but less than the two months they told me I had to have at the end of the year. They increased my escrow payments by {$25.00} a month so that at the end of the year I would have two months overage. Then a month later they told me they were increasing my escrow payments another {$34.00} each month because they ESTIMATED my taxes and insurance will increase. They won't tell me how they estimated the increase or how much each one would go up. They told me there was nothing I could do about it. I am XXXX, XXXX, and raising my XXXX year old daughter. This increase in my payments is a lot to me. I told them they collect a lot of money from Americans each year to make loans with and receive interest on. At the same time they don't pay us any interest on the extra money they collect from us each year. Can they do 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 2020-03-11 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: WA

Complaint narrative:
I refinanced my home and my broker advised that I should be not paying XX/XX/XXXX mortgage payment because it will be closed before the end of the month .They did not want me to wait another 30-60 days to get a refund since all documents were processing. XXXX XXXX was fully paid on XXXX XXXX. They were paid in the month of XXXX. They reported me as late in mortgage payment for that month. That is unfair and incorrect. They are paid in the Month of XXXX. I should be late if I paid them in XX/XX/XXXX. I called them and they were rude. They were not happy that I left them and I felt discriminated as well. The gentleman on the phone would not help and remove Late Mortgage Payment. He dismissed me quite fast. 
I talked to my broker and they verify that I was not late .All the documents show that they are fully paid in XX/XX/XXXX. As a senior citizen I made all my mortgage payments on time and prompt. My credit is hurt because of them not helping to remove this incorrect issue.

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 2020-03-11 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Summary of issue : A mortgage loan officer from Citizens Bank pulled a copy of my credit report ( hard credit inquiry ) without my authorization. 

Details : On Saturday, XX/XX/2020, I went to the Citizens Bank branch at XXXX XXXX XXXX XXXX, MA XXXX to make a deposit into my checking account. After I was done with the transaction, I asked the teller if they could let me know their current 15 year fixed mortgage refinance rate. The teller said he didn't know what the rates were but if I left my phone number he could have a mortgage loan officer call me and let me know the rates. So I provided my phone number to him. That afternoon I received a call from the Citizens Bank mortgage officer who provided me with the current rate. As the rate was too high compared to other mortgage companies that I had already inquired with, I said I was not interested, but she could let me know if the rate falls on Monday. This was a process I had gone through with 3 other lenders and they were keeping me posted on the rates. 
Shortly after I hung up, I received an email alert that a lender has requested a copy from my credit report. I was very concerned as I had not given anyone permission to pull my credit report. I contacted the Citizens Bank mortgage officer to find out if that was her. I did not hear back from her until the following day when she said that indeed she had pulled my credit report in order to give me a more accurate rate. ( I attach a copy of her email response ). I followed up over the phone and when I said that I had not authorized this credit inquiry she said she thought that I had given my permission to the bank teller at the branch. I have shopped around for mortgage rates and have refinance twice in the past without any lender ever pulling my credit simply to quote me a rate. I had not given her any indication that I was planning to refinance with her. 
I find this extremely unprofessional and feel that my privacy has been violated. Just because the Bank has my personal information ( because I have a checking account there ), this doesn't give these individuals the right to use my personal information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: TN

Complaint narrative:
These are not my inquires or accounts listed on FTC 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 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed by an online seller through the app, XXXX. I sent {$160.00} on Monday, XX/XX/2020 to a " XXXX XXXX '' that I'd met off XXXX. I sent the money, and the tickets were never sent. I did a reverse phone search for the phone number attached to the XXXX account because that is definitely a fake name. The real name of the scammer is XXXX XXXX. A simple XXXX search told me that. I've reached out numerous times via text, phone, email, facebook ( Again, all available online. ) I just want my money back but my bank refuses to follow up because of the terms of use from XXXX. I think XXXX needs to reassess their terms of use as their app is used entirely by scammers trying to defraud innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: GA

Complaint narrative:
EQUIFAX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT INQUIRY ON MY CREDIT REPORT, BELOW ARE THE LIST OF FRAUDULENT CREDIT INQUIRIES : Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit 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 2020-03-11 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: Premier Student Loan Center
State: TX

Complaint narrative:
In XX/XX/2019, I made an agreement with the Student Loan Forgiveness Program known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The application for the program was entitled : Public Service Loan Forgiveness ( PSLF ). The agreement was that I would pay {$240.00} for five months, and then my payments would drop down to {$22.00} a month for the next 10 years. At this point, whatever amount was left on my loan would be forgiven. 

I was in contact with XXXX XXXX @ XXXX ; email : XXXX. Questions were to be sent to XXXX. 

I made a payment of {$240.00} on XX/XX/19 ; XX/XX/2019 ; XX/XX/19 ; XX/XX/19 ; XX/XX/19. 
I made a payment of {$22.00} on XX/XX/19 and XX/XX/19. At this point, there were no more payments automatically withdrawn from my account. The phone numbers connect to these withdraws were XXXX ; XXXX ; and XXXX. 
All payments were made out of California. 

When I contacted the company, the recording stated that the business had been suspended on XX/XX/2019 with a restraining order under the Consumer Financial Protection Bureau. They have been assigned a receiver : XXXX. This is where the court documents can be found. It also stated that there was to have been a court hearing on XX/XX/2019. However, I am unable to find any information about the outcome.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: MS

Complaint narrative:
I started receiving calls today and they were taking about garnishing my wages. The lady said that they are calling about a line of credit that I have with Check and Go. I told them Ive never heard of Check and Go. Then, she hung up on me. I have not conducted any online financial business with any Check and Go. 

( XXXX ) XXXX Is the phone number I was called from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XX/XX/2016 NetCredit allowed someone to fraudulently apply and receive a loan in my name in the amount of {$5800.00}. When I found out about the loan I called the company and informed them as well as filled a police report. I have filed a Identity Theft Report with the Federal Trade Commission and reported it to the credit bureau 's. Netcredit would not do anything about the fraudulent charges and has since sold the debt, which was still in my name to other debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
RESTITUTIONAND other attempt to collect debt not owed ID THEFT never resolved. USAA rep harrasses with, WE KNOW YOU HAVE MADE PAYMENTS ON YOUR DEBT. 
*** I made payments because USAA LIED TO ME FOR TWO YEARS *** CLAIM8NG USAA PERMANET CREDITS WERE MADE TIMELY THAT DID NOT EXIST. 
Fooling me PRETENDING TEMPORARY CREDITS WERE INCLUDED IN TOTAL CREDITS ** AND THEY ARE NOT TO HAVE 2 CREDITS ONE PURCHASE. Providing a way to create ALL THOSE CREDIT REVERSALS telling Consumer I HAD 2 CREDITS FOR ONE PURCHASE SO USAA TOOK THEIRS BACK. ** ONLY PROBLEM WAS USAA NEVER GAVE THEM TO TAKE BACK ** Yes, USAA YOU POWERED OVER ME MAKING ME PAY YOU. Abuse of Power is  Dangerous Abuse. YOU DESTORYED MY CREDIT YOU STOLE MY SOCIAL SECURITY YOU NEVER MADE GOOD FRAUD REPORTED XX/XX/XXXX - XX/XX/XXXX. AND DEFAMATION RE : XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from XXXX XXXX is XXXX XXXX XXXX. Thats not me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian XXXX /XXXX  XXXXXXXX  XXXX XX/XX/2019 inquiry XXXX  XXXX XXXX XX/XX/2019. I call and ask them to dispute both.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit 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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from Capitol One is XXXX XXXX XXXX. Thats not me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to report multiple violations to the California Credit Reporting Act that US Bank has committed. 

I want to mention a couple of them : 1. Inconsistent credit report.

2. Reporting incomplete information.

3. Negligence 4. Unfair business practices Please forward the attached documents to US Bank. 

Thank you, CFPB.

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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
Glasser and Glasser , PLC, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, wrote a letter received XX/XX/XXXX demanding payment on an account ending in XXXX from XXXX XXXX XXXX. 
Their file number is : XXXX. I wrote a letter dated XX/XX/XXXX disputing this alleged debt and requesting full back up and break down of the alleged debt including any and all signatures of the person that owns this account and signed their agreement for the payment of the interest rate. Glasser and Glasser sent a letter with statements from XX/XX/XXXX-XX/XX/XXXX that showed during that period NO PURCHASES were made but they reflected an amount due with no proof of purchases. Their cover letter stated when the account was opened but no signatures were furnished. 
I contacted counsel but can not afford to hire counsel for this matter. Upon advisement, I wrote a letter of Failure by Creditor to provide requested information and proof of debt per the Fair Debt Collection practices/Fair Credit Act. 
I have copies of all these documents. 
Without serving me or contacting me Glasser and Glasser took a judgment against me and filed a Garnishment. The Garnishment was not posted or served but I found it on the ground at my home. I notified the court and have a hearing XX/XX/XXXX to remove/dismiss this Judgement and Garnishment. Per the Fair Credit Act, Glasser and Glasser should not have taken legal action after failing to provide the requested proof of debt. 
They have harmed me in such a horrible fashion. I wish to file a complaint have this company charged and fined with any and all areas of breach of law and Consumer harm. Your assistance is much appreciated.

Company response to consumer: Closed with explanation