vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This bank is horrible with me they refuse to approve me or process my applications I also wanted to Know when they will upgrade their cards to tap pay go contactless its time they offer latest card technology like XXXX and USA every bank is starting it but they arent

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 2020-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I have concerns with how interest in allocated. I have had my loan for > 10 years. ( I pay XXXX, Started paying more than the minimum about 4 years ago minimum payment is XXXX. I am currently a few months ahead ( next payment due is XXXX ). 

100 % of my XXXX payment {$180.00} and most of my XXXX Payment ( XXXX out of XXXX ) was allocated to interest. I have been paying in advance, but still getting charged more than minimum montly payment in interest. My interst rate is 3.65 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: UT

Complaint narrative:
I was caught in XXXX during the outbreak of the coronavirus. I booked my hotel tickets through an agency called XXXX, and paid this entity via my Citi card. 

When the coronavirus outbreak occurred, I tried to call XXXX to cancel my reservation or change it so I coukd return early to the USA ; the border to XXXX had just closed and zi didn't want to be stuck in XXXX with my XXXX children. 

XXXX was non-responsive. No body picked up and, later ( when I was finally able to access their website ) it just apologized for any inconvenience. 

I disputed the charge with XXXX with my Citi card. Citi just closed it today, for no reason - nobody reached out to me to determine what happened. And XXXX XXXX website pretty much outright says that there's a loophole, that if you didn't use your reservation then too bad - you still have to pay. 

How is Citi providing protection to its customers? I want my {$1300.00} back. Citi closed my dispute without asking me ANYTHING. 

I am a single mother and this trip was something my children and I had really really wanted. We would have loved to have stayed in XXXX. But we couldn't. 

I want Citi to refund me my {$1300.00}.

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I bought a garment for {$35.00} from Old Navy store in XX/XX/2019. The cashier made an offer that if I apply for their credit card from Synchrony Bank, I shall get a good discount and I accepted the offer. After many months, I received a statement in mail with a total outstanding amount of {$190.00}. I did not recognize these charges and requested the company to provide me the original purchase details. After many weeks, I got a statement that showed that the amount relates to my original purchase of {$35.00} and the remaining balance is their monthly late fee of {$30.00} per month. I immediately paid the original amount of {$35.00} and called the company to reverse their illegitimate late fee charges. They have not yet done that and have also reported my account to the credit reporting agency as " delinquent ''.

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 monetary relief
Consumer complaint received 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Corvid 19 CARES act clearly states mortgage servers are required to provide 180 days mortgage payment relief and another 180 days mortgage payment relief upon request without penalty or accrued interest. On XX/XX/2020 requested Covid 19 CARES mortgage relief from Mr. Cooper ( Nationstar ) was given 90 day forbearance with balloon payment due at the end of 90 day forbearance period. On XX/XX/2020 sent certified letter to Mr. Coorper ( Nationstar ) to advise Covid 19 CARES mortgage relief requirement and request 1 year mortgage payment relief. On, XX/XX/2020 called Mr. Cooper ( Nationstar ) to request 180 days payment relief and the option for up to 1 year payment relief. Mr. Cooper ( Nationstar ) has denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX there was transcations that i did not authorized for a total of XXXX on my unemployment debit card. I called bank of America to file a claim. They did nothing to help me they are saying i authorized the charges. I did not authorized the charges.

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 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Following Addresses and names i have disputed with experian severial times and they always say we dont know what your dispute is about or the information is accuate when i never lived at these addresses. i have documentation from the 2 bereus stating they removed the addresses but experian refuses to do so. 
1. XXXX XXXX i never used this name i always go by my full name or my name with my middle initial XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX never held this XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX never lived at this address XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX  CA XXXX never lived here XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Never Lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Never lived at this address XXXX XXXX XXXX XXXX XXXX, CA XXXX Never Lived at this address All of the above information is inaccurate and i have submitted online and through mail and i get the same result, nothing gets removed or it gets removed for a moment and then they put it back onto my report without notifying me within 5 days of doing this which is a violation of the FCRA. all of the other beurus has removed this information.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MA

Complaint narrative:
I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I have filed multiple disputes with Experian regarding an account I have in collections - XXXX XXXX  account- in their credit report. I previously successfully filed a report with XXXX in XXXX, and had the account deleted from my credit report for it is inaccurate as it is not my account. 

I filed a dispute with Experian in XX/XX/XXXX regarding said account. They reached back to me expeditiously, probably too expeditiously to make a sound decision as they had found that the account was 'accurate ', and it is to remain on my account. The dispute that I filed with XXXX on the same day as Experian 's is still ongoing. Furthermore, I filed subsequent disputes inputting as much information as I could regarding the account. They only allow one 210 characters to input information, which is egregious in my honest opinion. How can one expect a company to adequately review, on their behalf, a financial dispute from the past when only allowed to provide 3-4 sentences of information. 

Experian has repeatedly said that the information is accurate, while not acknowledging the other individual, XXXX XXXX XXXX, in the contract from where the collection stems from. Thus, balance amount, and the collection itself is inaccurate - as previously found by XXXX. They have also 'updated ' the account in dispute, but have provided no further information on how the dispute was resolved, and what led to that decision. I have attempted to file subsequent disputes with more information but Experian has barred me from doing so on their online portal. With COVID-19 ongoing, I personally do not find it safe to file disputes by mail, and expose myself to possibly dangerous social settings. 

At this point, I am led to believe the Experian is possibly working with the collection agencies themselves to profit off of inaccurate credit reports, and debts by risking peoples ' livelihood.

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 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
I lost my job due to Covid-19 and am waiting to get on unemployment ( for the last month ). I saw that my mortgage company Amerihome mortgage was offering forbearance as mandated by the Cares Act. When I inquired about how they could help me I was told that they are ONLY offering the mandated forbearance for 3 months with a balloon payment due on the 4th month. I don't understand how anyone could afford to pay thousands in order to catch up. I asked about deferments and they aren't offering them. So really there is NO relief and it really isn't fair. President Trump said no one could be penalized but the mortgage companies have found a way!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: GA

Complaint narrative:
I filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.

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 2020-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I requested distribution ( roll over ) of an Roth IRA account from TCF Bank to XXXX on the amount of {$6100.00}. My TCF account number XXXX. 
On XX/XX/XXXX I noticed that my money from this account wasn't transferred. I called TCF representative, she apologized for not transferring money as requested and she told me she will send the check to XXXX the same day, and the XXXX should received them within XXXX business days. 
On XX/XX/XXXX I called XXXX representative and the check didn't arrived. We had a conversation with TCF and XXXX at the same time and TCF representative told us the check will be send today on XX/XX/XXXX and I have to wait 2 weeks. 
On XX/XX/XXXX I had another conversation with XXXX and TCF and we have been told that TCF didn't send any check on XX/XX/XXXX. The said it was just one check send on XX/XX/XXXX. The XXXX representative ask about the address the check was send and TCF was unable to provide this information. We were informed we have to wait 90 days to start to investigate. 
On XX/XX/XXXX I spoke with XXXX - TCF manager and asked why the transfer didn't go through and why I have been dis informed that check was send on XX/XX/XXXX. She couldn't answer those questions and unfortunately I lost connection with her during my conversation. 
As of today it has been 39 days of waiting and I am very positive that the check won't arrived to XXXX withing those 90 days period. 
I hope someone will be able to help me to solve the problem. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Company- Select Portfolio Servicing , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX I was notified that my credit score had been significantly lowered due to an item reported from Select Portfolio Servicing. I filed a dispute with XXXX challenging the item. 

XX/XX/XXXX I receive a response from XXXX indicating that the investigation had been completed and Select Portfolio Servicing indicated that the item reported was correct. 

XX/XX/XXXX I wrote Select Portfolio Servicing and included an image from my Credit Report showing the credit report item being challenged and explained that in XX/XX/XXXX there was a divorce and my ex-wife retained the house and responsibility for making the payments. This item had never appeared on my credit report and was only added within the last 30 days. 

XX/XX/XXXX I researched the credit report and learned that loan had been modified under a Federal Government Plan. On this date I wrote Select Portfolio Servicing and requested that they provide me proof of being a signatory party to the loan modification. 

XX/XX/XXXX I wrote Select Portfolio Servicing and provided my Social Security Number and the address for the mortgaged property. Again, I requested that Select Portfolio Servicing provide me proof of being a signatory party to the loan modification. 

No Response has been received and the item is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Hi, I sent a certified letter to on XX/XX/2016 : Debt Recovery Solution XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX Plus all three CA 's over 30 days ago. Requesting VALIDATION OF DEBT and Assignment of Debt documentation. I have not receive a response and this account is still showing on my credit report. I supplied my ID, Social Security Card and Driver license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: IL

Complaint narrative:
They call everyday. It has been about 2 months already receiving multiple calls a day!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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:
I've been a victim of identity theft and i still noticed the fraudulent accounts appearing 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 2020-05-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: IL

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: MN

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: FL

Complaint narrative:
This in regards to a validation letter that I sent to you on XX/XX/2020. You have yet again failed to reply back as required by the FDCPA. You claim to have sent several replies to me. That is a lie, I know this due to the fact that you do NOT have my current address on file. This makes violation number 5, and you are liable for statutory penalties of {$1000.00} per violation. You also further violate the FCRA every time you verify the account as accurate to the 3 credit bureaus, as well as updating the DOLA on a monthly basis. Close this account and send it back to the OC. You have been in violation since the beginning of this, I never received you first dunning letter, the only way I knew you existed is you were reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient/XXXX have been reporting to the credit bureaus for years, rightly so. However, on XX/XX/XXXX I received a settlement offer letter to settle my student loan debt. We sent the settlement amount, the check was cashed, but now they say I still owe almost {$850.00}. On XX/XX/XXXX, after numerous calls and transfers to different departments, I was told by Navient/XXXX to submit my paperwork ( settlement offer and copy of check ) to XXXX XXXX Claims. I was told to note the reason for the fax as Navient XXXX Offer Management. I faxed the information to XXXX and was told they would open a ticket to investigate and to call back in 7-10 days. I called back after 7 days and was told that Navient didnt authorize the settlement, even though XXXX did ( theyre together ). They stated that the balance of {$850.00} is still owed and theyve been reporting the loan as defaulted to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06 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've been a victim of identity theft and i still noticed the fraudulent accounts appearing on my credit report.

Company response to consumer: Closed with explanation