vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I intended to receive a free credit report using XXXXXXXX. At some point during this process I was signed up for paid credit monitoring from Transunion, which I only discovered when reviewing my bank statement. I never had any intention of signing up for Transunion credit monitoring at {$20.00} a month. 

I believe this was the result of deceptively arranged fine print and/or a box located at the bottom of a webpage. There are already numerous online accounts of consumers being signed up for unwanted monthly credit monitoring via the same process. I intend to immediately cancel my subscription and seek a refund for this unwanted product.

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 2019-09-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Home Depot consumer credit card which Citibank controls. On XX/XX/XXXX I made a purchase using a promotional interest free 24mos financing to install carpet. The amount financed was XXXX and without fail I paid continuously XXXX for XXXX and according to my bank I have completed the last payment on XX/XX/XXXX. In the interim I charged few items that did not fall within the promotional financing. During the 24mos period I never received a statement but had a recurring payment scheduled via my bank XXXX XXXX so did not worry about not receiving the statement. I am the co-card holder of the credit card applicant which was my husband who passed away in year XXXX. Then on XX/XX/XXXX I went to home depot and tried to use my card as usual but was told I can not use the home depot credit card, but the cashier went ahead and accepted it any way. Then from that point on I have been receiving collection calls on my home number and cell repeatedly but ignored it because I was hoping to see a piece of mail to respond if the calls are valid in some way. Never received a letter so thought those calls were fraudulent. Yesterday XX/XX/XXXX I asked my daughter who takes care of my bills to check out why am I receiving so many calls. At that point she set me up online and realized there is a huge amount as a balance still left to pay. Immediately called the number in the back of the credit card. Come to find out that large number is the interest charged within the 24mos period.which I never missed a payment on. The issue was that they applied my payment on the promotional financing to the small purchases that were not part of the promotional financing. The customer service person said without the interest the actual amount owed since XXXX is XXXX which I paid right away using my debit card. I believe I am unfairly charged the interest as they never sent a piece of mail notifying me of the non-payment. Also never received an email either because I only set my email with the home depot credit card on XX/XX/XXXX when my daughter set me up. The customer service person said that I have been receiving the statements and I should have covered those small charges but like I said I never saw those at all. Please help because I am living on my retirement and no way of paying the interest and also refuse to pay the interest because we never missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Syncrany Bank has been calling 2-3 times a day for two weeks. I have answered, told them I am working on paying my debts and will contact them when I am able to make payments. They still call me every day at least 2 times a day but some days 3 times. This is the first time I have ever missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In the year of XXXX I randomly received a letter from Capital One regarding a Capital One 360 Checking account. I was immediately scared and thought I was a victim of identity theft. I have NEVER opened a Capital One Checking account. The is account with my name and address on it seems to have a negative balance of - {$490.00}. I called Capital One using a phone number listed for them online and not the one on the letter itself. I also assumed this could be a phishing letter or scam letter. But, when I called them, after some searching they did find an account they feel is mine. This account they found is NOT a checking account at all. It was a very old and charged of account from ING an old online banking savings account that was opened in XXXX, assumed charged off and closed by me. I recall the collection process ended smoothly as I was deemed Mentally Disbaled by Social Security SSDI and 100 % of my income was non collectible by law and I did not have the funds to repay that debt. I never heard from ING again. That very old ING account has already fallen off my credit report many years ago. I sent a cease and desist letter to Capital One, they admit having it on file in relation to the bogus Checking account someone created using my name and information. I have received quarterly statements for over 1 full year now, made many phone calls to them pleading they stop sending me these statements and demanding they CLOSE this or any accounts that are NOT mine. Several times I was told they would take care of it. The cease and Desist letter was received in XX/XX/XXXX and I got another collection letter on XX/XX/XXXX for XXXX XXXX XX/XX/XXXX. The account is still listed as OPEN. I never had a checking account with Capital One. If they have acquired old ING accounts I have explained that account was Closed and charged off a long time ago and that they can't try to collect on another companies already charged off debt. I demand this fake Capital One account be CLOSED since I never opened it and I want these fake statements to stop coming to me in the mail. It is XXXX and they say the ING debt was charged of in XXXX, its not a debt to them and it is beyond collection time on this old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Since XXXX of XXXX I have been disputing an account with Equifax for fraud and submitting documents to support I keep getting the same answer back. Back in XXXX I was a victim of identity I was also a victim of the breach with Equifax. I file a dispute in XXXX for XXXX XXXX XXXX the account was open under fraud I sent a copy of the police to the company and Equifax which both told me they would investigate and have it remove from my credit file month after month Equifax ask for more documents and continue to find the account valid I call today to dispute it again and they refuse to file a dispute took me thru all theses questions to pull my file just made it very hard when that the type of customer they to use to proven fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I closed on a refinance on XXXX19. Loancare was my new ( as of XXXX19 ) loan servicer. My closing/escrow/title company received a payoff dated XXXX19 which was good through XXXX19.

Title company wired the payoff to Loancare ( on XXXX19 ) as outlined on the payoff statement.

I then ( weeks later ) received a pastdue notice from Loancare.

Called this morning ( XXXX19 ) and was informed by Loancare that  the payoff funds were either returned to the title company or the wire was refused. 
The title company never received any funds/refused wire from Loancare.

Loancare is unable to tell me how they returned the funds. 

At this point Loancare states they refused the payment from or returned the payoff funds to title. Title does not have the money. 
My account is now showing severely pastdue, with additional interest accruing daily as well as penalties for nonpayment. 
My payoff statement which was good through XXXX19 was for  {$240000.00}. 
A Loancare rep stated the payoff should have been for {$250000.00}. 
This is a shortage of XXXX which was due to a tax payment made out of my escrow account on XXXX19 ( after the payoff statement was issued and before it was sent by title ).

I ordered a current payoff from Loancare today and it now says {$250000.00} if paid by XXXX19.

Title does not have the funds refused by/returned by

Loancare. Loancare does not have proof that they refused/returned funds. Title rep told me today that Loancare rep was supposed to c
all them back last Friday ( XXXX19 ) regarding this and no one ever called the

m ( this is new information as I just found out this morning about the entire issue ).

I am getting the runaround from Loancare when I ask to speak to someone who can verify/track the funds supposedly returned to title co. 

My payoff was dated the XXXX and good thru the XXXX. My title co wired it the XXXX. If Loancare refunded the money back to title or refused the payoff they should be able to show proof of that wire that was sent or proof that they refused the incoming wire from title. 

I have no history of missed or late mortgage payments. I typically pay early and pay extra. This is beyond frustrating.

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 2019-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
notes from XX/XX/19 bank of america meeting. 


Went into bank to check on a rate for money market. 
Sales clerk at desk and asked about rates. She took my debit card and then went to speak to a man behind the glass partition. After a few minutes I was invited back to meet XXXX XXXX, Small Business Banker. 
He already had my accounts pulled up. I explained that I wanted to get the rate on the moneymarket account I had because another bank had just moved me into a higher rate. Mr. XXXX pulled up a pamphlet which had nothing to do with rates and was a " Business advantage Relationship Rewards '' program. He began by selling me a credit card and then moved onto to payroll. 

During this discussion he pointed to the next to last sales bullet payroll services and ( no vendor listed ), " I see you pay {$57.00} for XXXX ''. I didnt get it then but later I recalled him pointing to his monitor. He was accessing my account! Mr. XXXX continued to say that he could get that fee down and called whom he said was his " associate ". 
At first the call was private, but then when it came to explaining the savings he put the call on Speaker phone and an the asscociate said " that is because XXXX offers kick backs to accountants. '' I was then given a business card for XXXX XXXX of XX/XX/XXXX. 
This set off alarms!!!!. I never gave, nor was I asked, for permission to look into my business dealings. To have Bank of America reviewing my CHECK details and then discussing it with an outside vendor is, in my view, wrong. It was so alarming that I made notes which I have transcribed here.

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 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've requested to have the fraud alert removed from my credit report from all 3 bureaus. The alert is still on my credit report, I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This complain it against Fifth Third Bank. ( for the past two days ) everything starte a week ago I was receiving phone call, no name? no phone number? the phone was ringing for 2 minutes hang up. On XX/XX/XXXX I receive a phone call between XXXX afternoon a person giving me his name XXXX XXXX XXXX XXXX the first thing I thought you know this is a scam I don't know anything I bought collection he has all my personal information the person that started telling me my name he knew my name he knew my social security number!! that's against the Federal law ( the 42 sec. " " 408 Whoever ( 8 ) this disclose uses, or compels the disclosure of this social security number of any person in Violation of the law of the United State should be guilty of a felony and up conviction thereof be fined on the title 18 or imprisoned for not more than 5 years or both. '' And this individual was threatened me with legal document they I needed to sign it and there was threaten me to come to my house for my signature. according to my ucc-1 The Uniform Commercial Code I file a New York with my trademark copyright with my deceased letter they I have send to every Institution,. I'm not in the public sade, I'm a private individual protected under my ucc-1 trade name copyright.. 
Whoever violate my private security agreement trademark copyright can be up to XXXX action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I have filed 4 complaints and it has been weeks no update or anything im assuming they arent going to help i have 2 accts with Cashapp old acct : $ emoneyshoots and new acct : $ XXXX and I am not getting any help email is XXXX old phone # is XXXX and new phone is XXXX i need to access my old acct and grab the money from my new acct please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I've sent letters, filled out forms, and called several times to have the fraud alert removed. Experian will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/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 non-monetary relief
Consumer complaint received 2019-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: FL

Complaint narrative:
I called TransUnion about victim of the inquiry issues and they couldn't help me removed this items that do nit belong to me 1. XXXX XXXX inquiry from XX/XX/XXXX bank 2. XXXX XXXX inquiry from XX/XX/XXXX bank 3. XXXX XXXX inquiry from XX/XX/XXXX mics 4. XXXX XXXX  inquiry from XX/XX/XXXX national credit cards / airlines 5. XXXX inquiry from XX/XX/XXXX national credit card /arlines 6. XXXX XXXX XXXX inquiry from XX/XX/XXXX automotive 7. XXXX inquiry from XXXX XXXX XXXX  bank 8. dep pf ed inquiry from XX/XX/XXXX government

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 2019-09-16 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: AZ

Complaint narrative:
I've sent letters, filled out forms, and called several times to have the fraud alert removed. XXXX will not remove the alert. I've contacted the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
IM TRYING TO GET A DISCOVER TO REMOVE CHARGE OFF FROM MY CREDIT REPORTS, I HAVE NO CONTRACTUAL AGREEMENT WITH THE COLLECTION COMPANIES XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXXXXXX XXXX  AND THEY REPORTING NEGATIVE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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: PA

Complaint narrative:
I got laid off last XX/XX/XXXX, I was not delinquent with Sallie Mae at that time. After I got laid off, with no unemployment monies, I got sick and almost died, I was in the ICU for a week. I gradually got my health back and found employment in XX/XX/XXXX but was terminated in XX/XX/XXXX due to something that was not in my control. I am currently not working, getting a little unemployment, just enough to pay my car payment and car insurance. I know this does not excuse me from my debt. I have been trying to work with Sallie Mae since XX/XX/XXXX. I had set up a auto-deduct payment, but that is when I got terminated and had to cancel my auto-deduct. They have been very hard to work with since. We spoke with their loan people about the ability to pay and my payment before I got laid off in XX/XX/XXXX was under {$200.00}, now it is over {$300.00}. I told them I could not pay that nor could my mother, cosigner of the loan. When I spoke with a Sallie Mae rep XX/XX/XXXX, she hung up on me when I told her I was making around {$400.00} every 2 weeks on unemployment and could pay nothing that day. I have spoken with a rep since the beginning of XX/XX/XXXX and she stated she could take a {$100.00} but that my payments would then be over {$300.00} and again I stated I was not working and that there was no money. She was sorry she couldn't defer/forebear. A XXXX XXXX (? ) has been calling and leaving threatening messages and stating that I have not contacted Sallie Mae when in fact you can see that I have. We have written 4 letters to them asking for forbearance/deferment and asking for something in writing and yet they continue to call and put nothing in writing for us. I would like for them to either put my account in forbearance/deferment or lower my payment to where it was before so that I can make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I had purchased an item in may couple months ago. I did not receive the item. I have been trying to fight this for months. I have email proof with the merchant which they knew i didnt. I think the package got lost. They could not even locate it. My credit card company has been so unhelpful. Barclaycard services. I dont think i should pay for something i DID NOT receive. Please help. They are scammers

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 2019-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have paid my mortgage payment on time for the last 3 years. I filed bankruptcy in 2014 but again ; still maintained my mortgage. The mortgage company has apparently lost 2 of my payments in the transition of selling my loan and i have sent copies of the cashed payments several times ( 7 ) but they have to be located and applied to my account. I have called the Mortgage company at least 3 times a month trying to rectify this situation but to no avail. They have now reported me to the credit bureau as missing a payment in which i have not. I am at a loss as what to do. I have asked for a copy of my applied payments for the last 2 years and was advised that I would have to pay {$10.00} to obtain this information. My phone calls do not rectify the situation and i continuously receive letters threatening foreclosure. This is Not fair. I advised them that i was going to file a complaint ; it was as if they did not care and were not concerned. I am in need of your assistance. I am sure they and other mortgage companies have done this to others and I need it to stop. Please assist me in doing that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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