vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 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: DISCOVER BANK
State: TX

Complaint narrative:
The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). 
The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. 
The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. 
The third time, they didnt answer. That was on me since I didnt check the hours. 
The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I traveled overseas 4 months ago, prior to my departure from the United States I notified my credit card company Capital One that I would be away an unspecified.. 
Peirod of time.. I've used my card regularly during this time. i never had a problem and always paid my bills on time, yesterday my card was canceled because of suspected fraud I did nothing different I just use my card to make a purchase online. I called Capital One three different times and was told the first two times the fraud department was closed and as soon as they open they could fix my problem I waited 10 hours for the fraud department to open and Upon returning the call was told that they could not verify my ID without me mailing them a copy of my driver 's license front and back which would take 10 days. I am stuck in XXXX due to the coronavirus and can not return to the United States. My credit card is my lifeline. I was further informed and I would have to receive a text message except that I don't have my Us phone because I was here for so many months in order to me to start the phone back up it cost me {$10.00} to receive one text message the company assured me they could fix the problem when their fraud Department opened up, that was a total misrepresentation Right now I'm out about {$80.00} trying to get my card turned back on in long-distance charges I'm disgusted and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: DC

Complaint narrative:
Dear XXXX, XXXX, TransUnion, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2020-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC
State: OH

Complaint narrative:
I went to refinance my student loans to an income based plan. I went through the third party Western Benefits Group. I was led to believe that they would negate my monthly payments and my fees toward WBG were towards my loan. However, it appears that the {$35.00} a month I've been paying them are going towards a membership fee and not the loan. I would like to leave WBG but when I call there is no answer. I have no debt to them and should not owe anything since my student loans are officially through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It May Concern : I hope you have been safe during these uncertain times. 

Im writing because I noticed that my most recent credit report contains a late paymentreported for my Citibank account. When speaking to a Citibank representative, they confirmed that my auto-payment amount was upped from {$30.00} to {$35.00} without my knowledge during the month of XXXX. If I had known that I was delinquentby {$5.00}, I would have immediately corrected this error, but due to Citibank not informing me until it was too late, my credit score has now droppedsignificantly. This is Citibank taking advantage of the current Covid-19 crisis, as previously I have never had my auto-payment upped within the 6 years of having this credit card open. I don't understand how I did not receive any notifications about this in the mail, and their calls have been flagged as spam risk, which is why I did not give my account information to them over the phone. When I tried calling them back to confirm that it was them calling under the spam risk number, their automated service told me that they are experiencing higher than normal call volumes and would hang up on me. I never received any confirmation from them until it was too late. 

I want you to know that I understand my financial obligations, and if it werent for myautomatic payments information being upped by Citibank without my knowledge and my phone flagging Citibank 's automated calls as spam and their inability to reach out to me by other more practical methods, Id have an excellent repayment record. Since then, I've paid off the account in full. Leading up to then, Ive had a spotless record of on-time payments. 

I am still unable to reach Citibank unless it is within their automated service that still hangs up on me, or by their 'chat ' function that does not respond back to me until the middle of the night. No one is getting back to me about this predatory practice and it is ruining my life. 

Thank you, 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 2020-04-13 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: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
The bank is putting a future date and time on receipts for loan payments. 

I went to the Fulton Bank drive through on Saturday, XX/XX/2020 at XXXX XXXX and gave the teller a check for {$230.00}. Of that, {$110.00} was for a XX/XX/2020 payment and the remainder was for an XX/XX/2020 payment. The teller provided a receipt with the incorrect date. The receipt was dated XX/XX/2020 at XXXX XXXX The paperwork they provide should be accurate. Otherwise, its fraud, having the effect of allowing the bank to collect additional interest from the borrower and giving the bank several hours on the morning of XX/XX/ before they consider the money as deposited so that if someone goes to the ATM Monday morning, the money would not be considered in the account yet. 

I told the teller the date was inaccurate. She responded by telling me it wouldnt be counted as late, but that did not address my concern of having an incorrect receipt from a bank. 

The radio button options on the consumerfinance.gov website do not always align to the specific situation, and I hope the agency will add a fraud or other option.

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 2020-04-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Trip ID : XXXX Capital One Venture On XX/XX/XXXX my family and I were to arrive in California and stay in the " XXXX XXXX XXXX  ''. I had started feeling XXXX  and because of the current outbreak with covid-19 felt it not safe to travel. I spent over 10+hours on hold with 5hrs.42mins of that happening on XX/XX/XXXX when the rep. contacted the hotel and asked if this reservation could be cancelled without penalty and was told yes. The rep. then got back on the phone with me and said that now this would go to there refund department and she would contact me in a few days when this was complete. I have heard nothing since from the travel department. I have reached out through social media and phone calls with zero luck. I don't have 10+ more hours to spend on hold to ask a question. I spent {$370.00} and XXXX points on this trip, I just want my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: DC

Complaint narrative:
Dear XXXX, Experian, XXXX, I am writing to dispute the following information that appears on my consumer report : Explanation of items being disputed : My report includes accounts with late payments, missed payments, and serious delinquency that are not mine. 
The referenced accounts have been previously disputed as fraudulent accounts opened by someone that stole my identity. 
Im the victim of identity theft and I dont recognize these the accounts on my report. I have included a copy of the FTC identity theft affidavit describing the identity theft. 
you should not report it under your credit reporting agencies. If you have already reported it, please delete them from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
We have filed a report previously. The company told CFBP that everything was taken care of. It is nowhere near resolved. 

Statebridge company has proven to be the most impossible company to work with in the entirety of our adult lives. We call them and they hang up on us, give us the run around and are rude and uninformed. We pay and they hold on to our checks for weeks and then report our payment as late to credit bureaus. They have single-handedly ruined our credit. 

It is impossible to pay this company. If you call you are on hold for upwards of an hour and when they answer ( IF they answer! ) they hang up on you. They even call me to retrieve payment and when I answer and they switch me to an operator, they hang up on me! 

Because they are marking my payments as late, I am not allowed to pay online. No phone payments because of the reasons listed above, no online payments because they are marking my payments as late and no mail payments because they hold onto my checks and process as late. I am at my wits end and very close to hiring a financial lawyer. 

After our last claim with CFPB, Statebridge contacted us immediately and allowed me to make a payment in full over the phone, which meant future payments could be made online. I checked my account a week later and they said I was behind by {$120.00}?! How is that possible when they gave me the amount to pay? Now I am no longer allowed to pay online because I am considered behind. I have emailed and called them several times to no avail. I can not show up in their office because they are several states away. 

XXXX is the company that is above them and they are no help, either. I have told them several times my complaints and they have told me several times that they were working to send my loan to another company. That have been about four months now with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: TX

Complaint narrative:
I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights?

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,

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 2020-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I lost my job due to the COVID 19 pandemic which left me without an income coming in. i called Bridgecrest 6 or 7 times to see if they can help me in anyway so i could keep my vehicle. i explained to them i dont have an income coming in so i wont be able to pay the loan payment every 2 weeks. they explained to me and said they arent helping anyone that had been affected from this. but on their website it says they are. i ended up having to do a voluntary repossession on my vehicle. i tried to get them to just push my payment back 1 month and they said there was no way they could. now, when i go back to work, getting there and back will be an issue. and getting a new car will be an issue because the repo will drop my credit score tremendously, after ive worked so hard to get it to where its at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-04-13 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: AR

Complaint narrative:
was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX {$87.00} COLLECTIONS XXXX {$33.00} XXXX XXXX {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
Loan documents fraudulently signed. Loan was never awarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I do Not Have OverDraft Protection and there are 3 Withdrawals.

I received Chase 's Letter that Cath match {$23.00} IS PERMANENT ( Chase letter attached ) and there is a withdrawal when I DO NOT HAVE OVERDRAFT PROTECTION. See attached near bottom-No Overdraft Protection. 

And I only at at XXXX twice but there are 7 charges for {$6.00} some more than once a day. {$6.00} X 5 is {$32.00}. 
{$23.00} {$32.00}. 
is {$56.00} {$280.00} XXXX XXXX {$49.00} XXXX {$12.00} Bank Fee Increased ALTHOUGH NO OVERDRAFT PROTECTION {$5.00} Lot XXXX XX/XX/20 {$37.00} is Not mine-There is a Withdrawal slip Not in my writing. 
Total : {$400.00} Credit due Me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
I am experiencing financial hardship due to the COVID-19 virus and am currently unemployed. I have contacted Dovenmuehle mortgage company to apply for forbearance according to the terms of the CARES Act. Dovenmuehle is only responding by mail with ATTEMPTS TO COLLECT A DEBT when the mortgage payments are not behind, the letters they are sending have been back-dated prior to my initial contact with them, and the are saying they are going to have an appraisal done on my property that I will be charged for so they can complete a loss mitigation application. I only want to forbear payments for 180 days as is allowed by the CARES Act. This is a federally backed FHA mortgage. It's my understanding I can do this without further documentation, or fears of late fees, interest, extra penalties, or being reported to credit bureaus. Dovenmuehle in my belief is not in compliance with federal law and is putting additional stress and potential costs to consumers who are acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today no access to website down, customer service line disconnects call, hold times for the last week two hours. Company won't use American workers so there is no follow thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
With the current coronavirus situation in the country many people like myself are facing the fact that we are not able to work and are able to continue making the money we make to pay our bills Timely. I contacted my mortgage servicer - MR COOPER ( formerly Nationstar Mortgage ) - to find out options about deferring payments until I am able to go back to work since I have been laid off. my car loan company as well as my credit card companies have helped me with this problem. However my mortgage company is not allowing us to defer any payments the only option they give us is forbearance where they will allow me to miss 3 months of payments but on the 4th month I have to pay the current payment as well as the total of the 3 months that I missed. In other words I can miss 3 payments and when the 4th payment is due I have to pay FOUR payments in total that month or I risk losing my house and go in default. If I am laid off and can not make one payment what in the world makes them think that I can pay 4 payments at once?!! This is unfair practice and sets me up to lose my home. These situations in the country are out of my control.

Company response to consumer: Closed with explanation