vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XXXX I contacted Barclays to defer payments on my account due to the COVID 19 pandemic. After they gave me the run around, I was finally able to speak with some to waive my payments. I was advised I would not have to make a payment for 2 months. Well, they lied! I had to file a complaint with you guys last month because not only did they not waive the payments like the promised, I was charged a late fee. Not wanting to compromise my credit, I used my stimulus check and paid the XXXX and XXXX 's payment totaling {$430.00}. I received a letter from Barclays ( which they also sent you all a copy of ) stating my payments will be deferred for 2 months. Well, I just received an email notification advising I have a payment due on XX/XX/XXXX. HOW????!!!! They are LIARS! I'm still out of work until mid XXXX. I can not make the payment.

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 2020-05-08 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: NY

Complaint narrative:
unauthorized credit inquires

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : XXXX XXXX  YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT

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 2020-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion Credit Bureau reported from a debt buyer ( XXXX XXXX ) that I opened an account in XXXX of XXXX. I did not. The remarks from XXXX  XXXX said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the TransUnion report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not 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 2020-05-08 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/ 2020, a fraudulent hard inquire was made to my XXXX credit record by Synchrony Bank Syncb/Lowes, XXXX, FL XXXX, XXXX. I received an alert by a credit monitory company and called the lender, who cancelled the application. My quick action helped the lender avoid losses, but I am now the only one at a loss because the fraudulent inquire remains in my credit record. Synchrony Bank Syncb/Lowes refuses to issue an inquire deletion letter that XXXX unreasonably demands. 

In short, both the lender and XXXX refuse to remove it despite my several requests by phone and their positive knowledge that the inquire is fraudulent.

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 2020-05-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted the company unable to speak with a live person but I am at the end of fixing my credit got everything off that wasnt mine and paid everything that was mine there was 1 thing left on Equifax submitted a dispute because because the collection Did not belong to me and my score dropped 54  points and I am in the middle of trying to buy a house I am very upset because this sets me back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I've disputed with Prestige Financial Services as well as with the credit bureaus directly. This is for a auto repossession in which the car was sold and the amounts being reported to all 3 bureaus are inaccurate, the dates of last activity are all inaccurate, etc. In addition, I am being hit with late fees and late payments are being reported on a monthly basis on a CHARGED-OFF ACCOUNT. How is this possible? According to the FCRA, all information being reported must be ACCURATE AND COMPLETE. Last time I checked, you can't report a late payment on a monthly basis for an account that has been CHARGED-OFF. 

I was sent via mail my contract and sale statement of the vehicle, as a method of debt validation on XX/XX/XXXX. 
I in return I sent a dispute in reference to the amounts and dates being inaccurate and that by law, this must be deleted from my credit file to the credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX with no response as of today. 

Is this legal? This repo is from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX Credit Bureau reported from a debt buyer ( IC System ) that I opened an account in XXXX of XXXX. I did not. The remarks from IC System said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the XXXX report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not 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 2020-05-08 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: CA

Complaint narrative:
This is not my account. Please remove it.

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 2020-05-08 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Charges made to XXXX XXXX XXXX in XXXX I live in XXXX got an email to let me know fraudulent charges. Submitted online and they are still charging me {$45.00} for something that was not 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 2020-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My account was debited approximately {$1200.00} from XXXX from Capital One Bank. I called and filed a complaint, but it was denied. So I spoke to a supervisor, who was very rude and accused me of filing a false fraudulent claim because it was completed by the chip, according to our records. Now I am out a full paycheck in a time of crisis and I dont have any money to pay my bills. Please help me get my money back from Capital One Bank and MasterCard!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: TX

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent to three various credit bureaus disputing an inadequacy which reported a single account as negative. Such an account was reported in a varying format, under a varying heading between all three credit bureaus. Federal law mandates that the account be reported exactly the same amongst all three credit bureaus, while simultaneously being proven as verified if asked by the consumer. I as the consumer have asked all three bureaus to correct his issue under my credit report approximately 30 days ago. I have yet to hear back in regards to this dispute. The following item in question that begs to be verified or removed is reported as follows : Account name : XXXX XXXX   Type : N/A Status : Collection/Chargeoff Past due amount : {$3500.00} Reported : XX/XX/2019 2019

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 2020-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One refuses to give me access to my account. For four months, they have been charging me and charging XXXX XXXX for an account they restricted because they refuse to allow my auto payment to process. My account was set on autopay since i had the account and unbeknownst to me, it stopped autopay and cause my account to be late. I Have called several times each month to speak to Representatives and i keep getting the same representative who refuses to send me to a manager and keeps making me send pictures of my license, for fraud team to review and months go by and no one calles me back or has any update. They keep charging my account but refuse to allow me to resolve the issues. I called have phone call log proof of me calling and the representative verifying that the license pictures were approved and waiting for response and promised I would hear back. This was XX/XX/2020. It is almos a month from then and have not heard anything no one has called, account is mow charged another laye fee for another month when i have restricted access. I have confirmation from the fraud tram that the pictures uploaded successfully and I should not have anymore issues and the late fees will be redacted from my account as well as my credit file and have yet to get to see anything of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM WELLS FARGO.

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 2020-05-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts

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 2020-05-08 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 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: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, I HAVE SUBMITTED ALL REQUIRED INFORMATION TO THE CREDIT BUREAUS. THE ACCOUNT AND THE CHARGES ARE FRAUDULENT, SOMEONE STOLE MY INFORMATION AND PRETENDED TO BE AND USED MY INFORMATION AND OBTAINED THE FRAUDULENT CREDIT CARD FROM XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The first and second monthly mortgage payment were received, one was posted the same day, the other was recorded about 14 days late. The following 2 month mortgage statements had about 48 erroneous credits and debits on the mortgage statement, none of the ACH monthly payments sent were credited to my account, thus, the principal and interest amortization schedule did not match my accounting. I have since then sent a letter from my bank, signed by the XXXX XXXX  Branch Manager that 4 monthly payments have been sent ACH between the XXXX - XXXX day of the month, I was concerned that a foreclosure could be started soon, should this not be resolved in time ( 90 days plus ). Sending numerous emails asking if the misapplied credit and debits are from other borrowers. The answer I received was shocking, the person mentioned in the email " that the account number is associated to 3 different loans so that's where the mixed up happened ''. This person also claimed that a refund of {$460.00} was sent to my bank. ( I thought ; how did this person have my bank account number and routing number? ) In her email she stated " the refund was sent, that this amount currently left to cover XXXX 's payment. '' She requested my bank statement, etc. it was then that I asked who authorized this refund, what was the reference number to this alleged refund and so on. She finally admitted that this so called refund was sent to someone else. The account number to my XXXX has now been changed due to this person mentioning that 3 other loans are using this number, ( in an accounting software? ). The fron of the monthly statement does not have a mailing/ payment address. My concern is also with the credit reporting agencies, I have not had a chance to request a report, since I never received an answer as to who this company NewRez reports to.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I attempted to reach a rep with Comenity Capital Bank earlier this evening, was unable to reach a manager due to staffing levels with current pandemic. This is in regard to a possible settlement amount, if paid in full. I was prepared to accept a settlement amount say up to 30 % of balance, again if paid in full. I am currently experiencing financial difficulties and would like to save by pay off account in full at a discount. The account is on a hardship program with no interest, however, I will pay off the account in full if a reasonable settlement amount is offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Due to the Pandemic, I am having Financial difficulty & I contacted my Mortgage servicer on the advice of XXXX XXXX & XXXX XXXX to request that I can have my mortgage added to the back of my Mortgage & I requested the same form my Mortgage servicer, They were not aware of the Federal Regulation regarding homeowners having their mortgage added to the back of their Mortgage for 3 Months. 
They insist that I make a plan to pay them, A Clear violation of The Treasury Dept & XXXX XXXX  regulations & that they will be calling me every 20 days to assess my financial situation informed them that they were overstepping their authorities,, While violating mine, I am not financially capable at this time to make arrangement to pay them .I call to get help & they made it into a collection call to hustle me into a payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I attempted to request a settlement offer, if paid in full today, XXXX, no reps were available to speak with due to limit staffing because of Pandemic.  The account, Amazon credit issued by Synchrony Bank, has been closed and has a balance currently in the amount of {$720.00}. If a settlement offer is available, I will gladly accept and pay off in full.

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 2020-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO BANK OF AMERICA AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.

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