vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I had an account from Kay Jewlers a few years back where i owed about XXXX from the credit card. I have moved quite a few times and they seemed to have an old address. I understood this delinquent account was pushed to collections and I intended to pay however just either couldn't afford or forgotten about debt. Well within the last year i have been trying to track down this account and with no luck even using credit karma for what business could own debt now, i fell short. Well today on date XXXX i first received a private call from someone saying their from XXXX ... XXXX XXXX   XXXX. Saying that have a document for me and have been unable to contact me. I tried to ask questions and came ip short either decent answers. I was told to contact the number XXXX. Later on i called and they claim to be a law firm suing me om behalf of this debt. But if i paid now over phone we can avoid all that they told me. I went into prying for proof of account and more details of company. They said they can only send me a statement from Kay Jewlers. To which they did. An old bill but nothing with their company title. They claimed to be called XXXX XXXX XXXX based in CA. I tried XXXX them or the number i called them on and came up short. When i tried to reply to their email they sent me the old bill with it keeps bouncing back. They said we can settle debt if oaid by tomorrow over phone XXXX only to avoid lawsuit. I asked names of each representative i spoke. With but I'm not sure if this is even a real company. I also asked them why are they threatening me with lawsuit or calling while i am located in MA because theres been a law place eith covid19 pandemic to stop collecting calls.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 2020-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I can't get anyone on the phone and the fax numbers do not work

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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, Transunion, XXXX, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.

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 2020-04-14 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: NY

Complaint narrative:
I can't get anyone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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 2020-04-14 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:
I filed a dispute with Capital One concerning my watch that I took to XXXX XXXX XXXX XXXX for repair. I picked up the watch, paid {$140.00}. The watch broke the next day. Merchant would not honor their guarantee, now merchant is closed. I filed my dispute, see attached letter to Capital One. They have not provided a credit or acknowledged the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: NY

Complaint narrative:
I can't get anyone on the phone and the upload feature is not allowing me to send documents.

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 2020-04-14 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: AR

Complaint narrative:
Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those 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 2020-04-14 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:
Do not recognize charges on all of the following accounts Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the companies listed above failed to assist me with these accounts after many attempts to bring attention to this matter as a result all negative information is inaccurate and unrecognizable, I have no knowledge of those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.

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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track

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 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
Next month I sent an amount of XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Through the App called Remitly , Inc . 

XXXX XXXX XXXX., XXXX XXXX, XXXX, WA, XXXX ( XXXX ) XXXX www.remitly.com And the money has never arrived, I already talked with my XXXX  bank and they said it has never got there and I also talked with remitly and they never answered me about a solution. 

More Informations : Recipient : XXXX XXXX XXXX XXXX XXXX Transfer No. : XXXX XXXX XXXX XXXX DELIVERED R {$6000.00} We have confirmed funds were deposited to your recipient 's XXXX XXXX account. Your transaction is complete and we hope to see you again. 

ARRIVAL TIME XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  ) TRACK YOUR TRANSFER Your bank account Remitly Recipient 's bank Recipient 's account Success! Your deposit has been confirmed. 
XX/XX/XXXX, XXXX XXXX XXXX Share Remitly with your friends to earn rewards. 

RECEIPT Sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX Payment Details Submitted XX/XX/2020 XXXX XXXX XXXX Reference No. XXXX XXXX XXXX XXXX Delivery Bank Deposit Bank XXXX XXXX Bank Account Account ending in XXXX Delivery Speed Economy Currency BRL Available XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Acct. ending in XXXX Amount Sent XXXX USD Fee XXXX USD Total Amount Charged {$1200.00} USD Net Recipient Amount R {$6000.00} XXXX Exchange Rate XXXX USD = XXXX BRL Remitly may earn revenue from the conversion of USD to other currencies. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
My husband is XXXX XXXX military. We recent refinanced our home through sovereign lending and somehow ended up with NewRez as  our mortgage lender. I was laid off last month due to covid 19. We lost over 60 % of our income. We have other bills too obviously. We submitted a hardship request online around XX/XX/XXXX. I had to call and wait on hold for over an hour multiple times to follow up on this, as they were not getting back to us. Eventually we got a letter from New Rez saying we were approved for forbearance. Today we got a letter from ShellPoint, which works in loss mitigation. The letter stated that we are in forbearance and did not owe a payment for 90 days. However, it also said, ... their requirements for determining borrow eligibility for a loan modification trial plan include determining whether the borrower is experiencing a temporary or permanent hardship. Based on our review of your current circumstances, we have determined that you do not have a temporary hardship or a hardship that has caused a long term or permanent increase in expenses or decrease in income that prevents you from making your mortgage payment. Because you have sufficient financial ability to bring your mortgage current, you were not eligible for a work out solution or are ineligible for a loan modification. Then it goes on to say that we are only eligible for short sale or foreclosure. 
Furthermore, the letter states that we will be reported as delinquent on our mortgage and our credit may be affected and we will still owe the lump some of payments missed at the end of the forbearance. I believe this is in clear violation of the CARES act, as well as the Department of Veterans Affairs guidelines. 
The loss of a huge portion of our income is clear financial hardship. When I called and waited on hold for an hour then asked for clarification, they would not divulge how they determined otherwise and I was told I would need to call back to get answers. 
From what we have seen of New Rez so far, and now ShellPoint,  they should not be servicing Va loans and I think it would be appropriate to require them to refund loan origination fees and release us from our loan/allow us to transfer is elsewhere without penalty, as they clearly have no interest in abiding by federal guidelines or providing legit service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: OR

Complaint narrative:
I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.

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 2020-04-14 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:
I made a purchase on XXXX, {$100.00}. I never received the merchandise. I contacted the merchant, they did not respond. I filed a dispute with Capital One, they issued a temporary credit. They rebilled the charge. The merchant issued me a full refund, documents attached. Capital One has refused to issue me the credit to which I am deserving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: VA

Complaint narrative:
Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: PA

Complaint narrative:
On XX/XX/2020 I disputed the inaccurate information with Experian that they are reporting in reference to an account with XXXX. They immediately closed it on XX/XX/2020 with no just cause so on XX/XX/2020 I re- opened it. Unfortunately as of today XX/XX/2020 Experian has closed my dispute and continues to report this inaccurate erroneous information reported by XXXX. XXXX is pursuing me for a {$320.00} early termination fee, however they have failed to VALIDATE the debt. By law they must provide a copy of the contract that I allegedly agreed to whether it was written, verbal or electronic. This is a violation of my rights under the Fair Credit Reporting Act and this false and inaccurate information needs to be removed from my CBR immediately.

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 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have repeatedly filed disputes with Santander for inaccurate reporting of this debt. 

The car was repossessed by Santander in XXXX and sold at auction by Santander in early XXXX. 

Santander is incorrectly reporting that the account is currently no being paid it reports 72 charge offs. 

Unfortunately I cant access the paperwork showing the repo date because all of my paperwork with them was electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I got an email from Bank of America in response to my previous claim. In the mail has been stated to call this number before the XXXX of XXXX to speak with miss XXXX, I called multiple time avery day during the whole week and every time what I get is a Voice note. I LEFT A VOICE MESSAGE WITH MY NAME AND PHONE NUMBER AND TILL THIS DAY NO ONE HAS CONTACTED 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 2020-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I called PNC bank at the customer service # XXXX talked wiith XXXX XXXX in XXXX2020 at XXXX XXXX   aproximately regarding a payment extension because i'am on an unpaid leave until further notice pending federal, state or county authorization to reopen because of the COVID 19 W.H.O. declared pandemic and US nationally declared emergency and he told me he was transfering me to collections department to resolve the issue, then XXXX answered at XXXX aproximately from the collections department i explained my issue and she told me that i will have a payment term extension and not pay nothing until XXXX2020 and a letter will be sent to me. 

I received the letter aproximately a week later from the XXXX2020 call and it states that in one of the terms and provisions that i may have a negative effect on my credit. I called immediately at the phone number on the letter which is XXXX when someone i assume a female voice answered ( who didn't give me time to ask her name by the way ) from PNC Bank collections department on XXXX XXXX XXXX XXXX2020 at aproximately XXXX i asked her that if my credit will be affected by this agreement and she rudely and in a cutthroat manner told me they dont work with credit reporting companies that i need to call them or handle it with them. I asked her for a manager and she told me that the manager will tell the same thing and in the second time i asked her she cut me off and sent me to a hold and then another customer service agent i think from collections named XXXX answered at aproximately XXXX am that day. XXXX told me that that is just a term or condition that is in the blanket agreement but that i don't have to sign it and send it. 

Also PNC bank sent me another letter stating : a Notice of Right to  cure and intent to repossess dated XXXX XXXX 2020 stating i need to pay XXXX2020 or they will be exercising their rigths under the law such as the rigth to repossess any property held as collateral and hold me personally liable or responsible for any diference between the sale of the property and the final balance. 
The CARES act specifically provides information and what to do regarding this situation.

Company response to consumer: Closed with explanation