vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS AND ASSOCIATES HAS REPORTED A TOTAL OF 14 DIFFERENT MEDICAL COLLECTIONS ON MY REPORT WITH DIFFERENT DATES OF ORIGINATION AND AS XXXX XXXX AS THE ORIGINAL CREDITOR .... I NEVER RECIEVED A COLLECTION NOTICE IN FIRST PLACE.. I CALLED TO INQUIRE ABOUT THESE COLLECTIONS AND WAS TOLD TO PROVIDE ALL PERSONAL INFORMAITON AS THE LADY TYPED IT IN SHE SAID THEY DIDN'T HAVE MY SOCIAL # IN FIRST PLACE AND NOW THEY DO ... IT UPSET ME GREATELY ... I ALWAYS HAD 100 % MEDICAL COVERAGE AS A XXXX EMPLOYEE AND CONTACTED THE HOSPITAL WHO STATED THEY WERE NOOOOO PAST DUE BILLS AND THEY DO NOT CONTRACT IWTH RASH CURTIS FOR COLLECTIONS ... AS I DISPUTED THESE WITH CREDIT BURAUS A FEW WERE REMOVED AND NOW RUSH AND CURTIS POSTED 9 MORE  COLLECTIONS WITH NEW NUMBERS AND AMOUNTS ... THIS IS NOT LEGAL AND MUST BE REGULATION AGAINST THESE FRAUDUENT COLLECTORS RASH CURTIS AND ASSOCIATES # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I contacted Navient due to a change in income that reduced my monthly take home pay by $ XXXX/month as well as additional financial obligations I have for other student loans which had recently re-entered repayment. I explained the change in my circumstances and requested a reduction in my interest rate to enable me to maintain my on-time payment history. Navient denied my request and said that they would allow me to make interest only payments for six months. I explained that this option did not address my needs and would only cause me to pay more month over the life time of the loan. They said this was the only option they were willing to offer at that time. I thanked them for this and advised that unless a different arrangement could be made, it would risk putting me in financial hardship and possibly not able to make the payments on my loan. 

On XX/XX/XXXX I contacted Navient again, regarding a further change to my income due to the Coronavirus / COVID-19 pandemic. I explained that my wages were being reduced and the possibility that my position would be eliminated within 2 weeks, and I requested a deferment or forbearance of payments for 6 months so that I would have enough time to assess my financial situation, pay for necessary expenses such as groceries and shelter, and not miss payments during this time. The monthly payment amount which Navient requires from me is almost 40 % of my monthly income and this was not sustainable. The representative asked if I had lost my job, and when I confirmed that I was still employed currently, but with a further reduced income and the possibility that my job would be eliminated in the near future, she said that " Deferment and Forbearance are only for people who have lost their job. '' She then proceeded to tell me that she would reduce my payment by {$400.00} to $ XXXX/month and asked if I would be able to make that payment amount. I told her that I was confused about her math because my monthly payment was significantly higher ( $ XXXX/month ). She then told me that I was " being hostile '' and that she had never said " $ XXXX/moth, '' to which I responded that I would like to have a copy of the recording of our conversation to verify this because I had been taking notes during our call. She told me that her manager would handle that request and that I would receive the recording " within 2 weeks. '' I asked for her employee identification number ( it is # XXXX ) and she then hung up without providing any information as to how I would receive the recording of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TX

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TX

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: TX

Complaint narrative:
XX/XX/2020, For the amount of XXXX and an available balance on my credit cards. My card was declined because they had mistakenly taken my last C.C. Payment from the wrong account. After calling to schedule the missed payment, my account is decline a small fee. I spoke with a representative prior to the purchase and was not informed my cards wouldnt work. I have a 100 % on time payment. Called and resolved the issue. Capital One decides to decline my purchases because my payment is scheduled for the next payment date. The one time removal of the late fee was used. I thought Capital One values customers. Ive been with them for 5 years and never made a late payment. I was Embarrassed in line holding up shoppers for 25 minutes. For {$13.00} charge. This company is not loyal to customers. Ill be paying both of my CC off next month and never using them again. No more interest charges from me and I will NEVER EVER recommend this company and be the first to let people know how untrusting they are. Loyalty goes a long way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 need your help, CFPB. 

TransUnion is committing violations to the Fair Credit Reporting Act. 
- Unfair business practices - Failing to investigate item - Reporting incorrect information Please send the attached documents to TransUnion. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I bought a Telescope for {$76.00} from a company on the Internet called XXXX XXXX at XXXX XXXX  EST on XX/XX/XXXX. My Barclays credit card was charged {$76.00} at XXXX XXXX  on on XX/XX/XXXX. I asked them for a Tracking number and never received the Telescope or a Tracking Number. I disputed the charge with Barclays on XX/XX/XXXX. The last 4 digits of my credit card are XXXX. The Barclays Dispute no. is XXXX. I have called them every week to find out the outcome of my dispute. Barclays gave me a temporary credit of {$76.00} in XXXX, XXXX then removed the credit and charged me again. The name of the merchant is XXXX They sent documentation to Barclays that my Telescope shipped on XX/XX/XXXX via XXXX XXXX. The XXXX documentation shows that the Tracking number was XXXX. Barclays said that they charged my credit card when the merchant provided the valid Tracking number. 

Barclays sent me the results of my dispute in a letter dated XX/XX/XXXX. 
I went to the XXXX XXXX website. It said that Tracking number XXXX went into the US Postal System on XX/XX/XXXX. The XXXX documentation shows my correct home address which is XXXX XXXX XXXX, XXXX, VA XXXX. 

I went to the XXXX, VA Post Office. A Supervisor looked up Tracking number XXXX. XXXX was delivered to XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/XXXX at XXXX XXXX. That is the wrong address. THE MERCHANT PUT THE WRONG SHIPPING ADDRESS ON MY ORDER. The USPS Supervisor gave me a copy of this in writing.

I called Barclays on XX/XX/XXXX with this evidence. They said for me to mail or fax it to them and they would immediately credit me {$76.00}. I faxed the USPS printout showing the wrong shipping address was on Tracking number XXXX on XX/XX/XXXX. They acknowledged that they have received the fax proving that the Telescope was shipped to The Wrong Shipping Address by the Merchant yet they have done nothing. 
Nothing has happened. When I call them, I am put on hold for 45 minutes. When I do reach a person, all I get is XXXX   Excuses. Please help me get my {$76.00} back. I called them yesterday, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up. I called them today, XX/XX/XXXX and was on hold for more than an hour and never reached anyone. I gave up again. 
THIS IS CONSUMER FRAUD. This has been going on for over 90 days. Please assist me. Thank you in advance.

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 2020-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
My credit limits have been reduced with a couple of cards through Synchrony Bank. The first card was with Sam 's Club Mastercard. They did not provide notice regarding this issue. I called on XX/XX/XXXX to discuss the concern and they stated I would need to speak with XXXX. However, I received a notice the following week regarding the issue ( Please see attachment ). I spoke with XXXX and they stated that Sams Club is the creditor that reported the negative items on the report after lowering my limit. According to XXXX, there are no late payments, bankruptcies, or collections on my report. All payments have been made on time. I spoke with Sam 's Club and Lowes Credit and they stated that they can do what they want to do with your credit limit. I believe this very unfair and no reason to reduce limit especially when I have made my payments on time. Synchrony bank has damaged my credit by lowering my limit and has responded in a negative way. I have not received the letter from Lowes as of yet. They stated that it was mailed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: PA

Complaint narrative:
The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Due to the coronavirus epidemic, XXXX XXXX County is shut down which has caused a loss of business and therefore a loss of income. After watching President Trump address the nation and letting us know that our mortgage companies and other companies are working with Americans to help in this difficult time, I called Specialized Loan Servicing to find out how they are helping its customers. I explained my situation to XXXX in their XXXX Office. XXXX explained that SLS was  offering a 1-3 month forbearance to it's customers. There would be no late charges or reporting on our credit. BUT here 's the catch after the three month forbearance is up all monies are due for the three months mortgage. I asked how is that helping someone that is setting the consumer up for failure. My mortgage is {$3400.00} a month and to come up with three months at one time would be impossible it would put me in the danger of foreclosure. I asked why wouldn't the company simply put the three months at the end of the loan they would still effectively get their money. They did not have a valid response. 

In this unprecedented time it is shameful that Specialized Loan Servicing would take advantage of its customers by claiming to help but actually putting them in a worse predicament. If they are going to help they need to offer tangible help by allowing consumers to put these payments on the end of the loan. No other option of help was offered to me by SLS so I am not sure if their are more available options. 

You're attention to this matter would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
There are 3 inquiries on my Equifax report that I did not make. I contacted Equifax ( see attached ) and explained this to them and they refuse to delete this information from my file. The 3 inquiries that should be removed are : 1.  XXXX XXXX XXXX 2. Equifax XXXX 3. XXXX XXXX XXXX XXXX  XXXX I do not recognize and did not authorize these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-03-20 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 2020-03-20 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: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
TransWorld System Inc XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am current on my mortgage. In fact, I HAVE ALREADY PAID XX/XX/2020 On XX/XX/2020, Wells Fargo Reported that I am 120 days delinquent. THEY MUST STOP MESSING WITH MT CREDIT. I am Beginning to think it is because of my XXXX. I sure hope that this is not a matter of my 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 2020-03-20 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: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB Managment Services - Says its in collections for {$2900.00}. With XXXX  NCB Managment Services -  Same thing - With XXXX XXXX XXXX {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We have a mortgage with CHASE for our home, and we have been doing the loan payments on time. 

This week, XX/XX/2020 we have received a letter from CHASE letting us know that they are selling our loan, and it is been transferred starting XX/XX/2020 to XXXX XXXX XXXX ( XXXX ). 

We have reviewed online XXXX  and we have found terrible reviews for XXXX XXXX XXXX, we found it is a shark loan servicing company based in XXXX XXXX XXXX, Utah, and has an additional office in XXXX, Florida., and we found that XXXX is not accredited by the XXXX XXXX XXXX ( XXXX  ) and has received hundreds of complaints for billing/collection problems and potential FDCPA violations as you can find in the following link :. 

XXXX XXXX XXXX Since them we have tried several times to contact CHASE customer service ( XXXX ) for this matter, we are getting messages that for the CORONAVIRUS situation they are not able to answer the call before two and a half hours, so we have not been lucky getting any help with this alarming situation from CHASE We have a big concern and complaint that CHASE is not taking care of their customers in this CORONAVIRUS PANDEMIC, they are choosing the worst moment to sell our loan and let us unprotected in difficult times, and we are really on panic that this transferring of our loan may conduct to a future foreclosure process of our home.

While other banks are looking for ways to help their clients in this time of crisis, CHASE is trying to get away from his clients and is treating them like trash, leaving them unprotected at a crucial moment. 

Attached please find letter received from CHASE wit this announcement that has a big impact in our lives at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
ARS. In XXXX Florida states that I have a medical bill in a state that I've not lived in at the time they are stating I lived in Ohio there is no way I could have went to where they are claiming I have contacted them omg they are so sp rude told me if I didn't pay they are just going to sell to someone else and hung up on me. I've disputed on my credit report still no help. I'm hoping and praying you can help me with this rude company. They are advising that I have 2 accounts in there office Date XX/XX/2016 Amount 1. {$850.00} 2 {$570.00}

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 2020-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Interest Rates are at an all time low. 
I have 3 Capital One accounts Ending in XXXX, Interest Rate is  21.99 % Ending in XXXX. Interest Rate is 24.40 % Ending in XXXX, Interest Rate is 23.90 % I have had one of these accounts for 23 years and never missed a payment. 
With the economy, stock market and Corona Virus weighing on me, I asked Capital One to consider Interest Rate relief. I spoke with Capital One on XX/XX/2020 about lowering my Interest Rates, but Capital One said they would not work with me. 
I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Compliant Against : New Rez LLC. d/b/a Shell Point Mortgage Servicing, XXXX. XXXX, XXXX, XXXX, SC., XXXX Fees to reinstate my loan are not accurate after loan was transferred to this company. Inflated loan reinstatement amount requested- and Denied Loan Modification for conventional loan. Email sent to companies point of contact informing him of incorrect reinstatement amount. Reinstatement amount grossly inflated. 
I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
Mr Cooper aka Nationstar mortgage is claiming they didnt get a payment for XX/XX/2019 which Im trying to refinance with a different company and Mr Cooper added a lender servicing fee of a mortgage payment they claim wasnt paid which I have proof they did by my bank statement and trying to double bill me.

Company response to consumer: Closed with explanation