vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Schrier, Tolin and Wagman, LLC
State: MD

Complaint narrative:
Summary : I went to court in early XXXX and entered into an agreement to pay an amount due that was being collected from an auto incident I had earlier. The amount was just over {$4400.00} from this instance. I was under duress at the time as we have a XXXX son and being a senior citizen were going through major struggles at the time as a result. 
It appears this may be covered by the Elder Justice Act, enacted in XXXX, as I was XXXX years of age at the time. Some of the pertinent facts include the following : I informed the attorney our income was totally from Social Security at the time and that we had a XXXX son with no assets. A payment schedule that includes an interest rate in which the principal would never be paid off and was never fully explained to me. No reference has ever been made to the interest rate since the agreement and disclosures regarding this appear to have been concealed to disguise the intent to never have the debt paid off and collect an even higher amount than the initial agreement upon termination of payments. 
The attorney threatened me when I signed the note that if I missed or was late with one payment they would come after me, garnish our social security payments and freeze our bank account, regardless of the fact that we needed Social Security to live on. 
This letter was triggered by a statement in the mail reflecting the following : The statement indicated the principal amount was {$6400.00} and we now owed {$7300.00} after making {$8800.00} in payments over the last five years. 
We no longer have the original paperwork and seldom receive any information from XXXX XXXX, no invoices ( but we pay regularly ) and a yearly statement which is attached. It just became apparent to us that we were being exploited upon receipt of the attached statement upon determination that we currently owed {$7300.00} after {$8800.00} in payments for a total original claim of around {$4400.00}. 
In summary, I believe I was intimated and exploited as a senior citizen, especially considering the circumstances ( under duress ) and now find that I have paid {$8800.00} ( almost double the amount of the collection ) and have a higher balance than when we signed the agreement. Is this the way that law firms are supposed to act toward the more vulnerable population, such as senior citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: NV

Complaint narrative:
These accounts are not mine nor did I authorize these companies to run my credit. Please remove 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 2020-05-28 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: NV

Complaint narrative:
These accounts are not mine nor did I authorize these companies to run my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I want to connect my PNC bank to transfer my funds from XXXX  into

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went 30 and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand how important it is to make timely payments However, I missed payments in XXXX and XXXX of 2017 that went XXXX and 60 days late with XXXX XXXX, XXXX, XXXX  and XXXX  XXXX XXXX. On XX/XX/2017 I was in XXXX XXXX XXXX having a XXXX XXXX  in which I was only suppose to be in the hospital for 5-7 days.Due to complications i spent XXXX and XXXX in the ICU and was not released from the hospital until XX/XX/2017. During this time I was unable to attend to my finances. Prior to this date I had not had a late payment with these companies nor have I since. I will attach a letter from my doctor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Quick Silver One is using credit report from months ago for anyone who tries to request credit line increase. I feel Capital One should be using most recent credit report and credit report not from 60 plus days ago. Most online feedback is that for anyone who owns Capital One Quick Silver One is that Capital One very reluctant to give credit line increases. I feel Capital One is misleading consumers and not being honest with consumers. Perhaps the option the even request a credit line increase should be XXXX for everyone because Capital One only gives credit line increases when choose to not when the consumer requested. I know several family and friends that say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
PNC is not allowing loans from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a negative balance of - {$2300.00} on my account and despite TEN ( yes TEN ) requests to XXXX  out my balance in the past several months, the company has not issued a check or refunded the credit to my autopay account. This is illegal, withholding money that is rightfully mine and likely profiting off the balance. This has been on-going for over months now with various pointless conversation to their customer service. The negative balance is a result of dispute from a cancelled cruise, where all proper documentation was already mailed to Citi, and the dispute was resolved and closed in my favor on XX/XX/20.

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 2020-05-28 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: FL

Complaint narrative:
i am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

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 2020-05-28 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 am a Victim of Identity theft. I look at my credit Files and i Notice that theirs Accounts that I did not give consent to I cant understand how could this Happen to me. this is very Stressful that my personal Information is in the hands of a stranger. please Remove these fraud Accounts from My credit

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 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had some fraudulent charges on my Citi Bank Credit Card account from last year. In XX/XX/2020 I spoke to Citi bank to dispute the charges and asked for them to be removed and the account to be closed. 
The citi bank rep asked me to make a payment of {$300.00} - which were legitimate charges, which I did, this left a balance of {$140.00} which the agent said would be removed and the account would be closed as i'd requested. On the online account it states 'this account is closed ' To me this meant I would have a zero balance. I have not used the card since. 
Yet, each month I have received a statement from Citi with accrued interest now totaling $ 250+ and the collections department has been called in to collect on my bad debt with Citi . 
I have called Citi Bank on at least 5 occasions over the past couple of months and have been passed from one department to another being told that they would resolve the matter. 
Today I was on the phone for an hour and a half with Citi and was passed to 5 different departments - some twice, and still the matter is not resolved. 
If an account is closed why is interest being accrued? 
I have also written a letter to mail to every citi bank address I can find to try to resolve this issue - there is no email address and all phone customer service seems to be non XXXX Based. 
This is not fair to me, this will also put a negative mark on my unblemished credit report. 
All I want is for this to be resolved as I was told it was in XXXX - now 5 months later, it still isn't and I am paying for it financially with interest accruing each month. 
I want the public to be aware of how dishonest Citi Bank is to deal with.

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 2020-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
I have a vehicle that I purchased that was totaled. I had to get insurances that were obtaining information to send payments to the finance company. I reached out twice a month to the finance company to make sure I could still make my payments but they advised me to not make the payments due to the gap payments pending. I have contacted them during the Covid epidemic and asked them to use that for 90 days as a grace period while the gap payments were still pending I attempted to make a payment and was denied since they were not able to make payment plans and they wanted me to pay the full amount but they did state that they had received the gap payments but the amounts were not disclosed in the system yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated

Complaint narrative:
This complaint is in ref to the Georgia Unemployment Insurance ( UI ) Way2Go Debit Master Card operated by Go Program, issued by XXXX XXXX. 
My weekly unemployment benefits claims began XX/XX/20, as of today XX/XX/20 I elected to receive my benefits via direct deposit from the beginning. Therefore I never activated the debit card sent to me in the mail. I destroyed and disposed of it upon it's arrival. Somehow my direct deposit choice didn't take and the system continued to put money on the destroyed card for weeks of XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20. I've made endless attempts via phone and email to the DOL as well as the Way2Go customer ser # XXXX, this number sends you on a goose trail, it asks you for the card # and if you don't have one press the # sign then the same message repeats itself and you never get to speak or leave a message. This is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Yesterday I noticed {$54.00} taken from my debit card through my Paypal account. I believe someone hacked my account and send them money. The name of the man who has my money is XXXX XXXX and I have called and called and messaged both Paypal and XXXX for a refund yet still have had no response. I need this issue resolved immediately. I understand there is a worldwide pandemic but that is no excuse to let a minor be bank robbed and hacked for all the money she has and get no help nor response. Im just really hoping you can help me get a refund back of at least my {$50.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
To GM Financial. I am writing this inquiry to dispute account with GM Financial that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by GM financial the account was delinquent. I have now learned the following information from contacting GM Financial. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring GM Financial at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe GM Financial is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with GM Financial in good standing. The borrower turned the vehicle in early and again I was not notified by GM Financial of this situation. Information provided to me from GM Financial advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate GM Financial, my credit score is being unfairly impacted given GM Financial being made whole on the transaction. To this day I have never been contacted by GM Financial about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to GM Financial, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Called for help spoke to XXXX, transferred by XXXX to someone who was supposed to help me with the orginal reason for my call! I was hung up on by the next person when I complained about the hold time and improper transfer. I can not access the account online. I was told by XXXX would take up to 30 days to fix my address. Called back this time spoke to a XXXX who could help me and supposedly did -we will see. XXXX promised after what I need is done my account with them will be back protected in 15 days. Why did I have to call back or get hung up on? Why is this the worse customer service ever. Automated takes info and yet you still have to provide more multiple times!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: FL

Complaint narrative:
I am a Victim of Identity Theft someone Open an account using my personal Information without my Authorization this is fraud

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is not abiding by the CARES Act as well as the other mortgage company I submitted prior! They are all like robots randomly calling me and sending the same redundant letters over and over again. It is exhausting and ridiculous! They all tell me I MUST repay all of the 90 day forbearance at one at the end of 90 day period. They are also not to report the bureaus at all nothing for 90 days. They are not reporting me late, but they are reporting my balances higher and higher and it is dropping my score substantially this is a double edged sword and a NIGHTMARE! Help!

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 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: OK

Complaint narrative:
When calling the company, I spoke to XXXX XXXX and he refused to advise what company he was associated with along with advising if he was a collector with a collections agency. When he refused to acknowledge that he was a collector he hung up on me. I called back and after 3 times of calling back, someone finally answered without hanging up. I advised to the company that I would be filing a complaint with the CFPB. No one mini Mirandized me either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: MA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation