vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account has been in a hardship payment program since XX/XX/XXXX with monthly auto-payments. I've made every payment for a year. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/XXXX when XXXX XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since XX/XX/XXXX, I've made 4 calls to Citi Cards hardship department to have the monthly amount lowered as I can not make the current payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citi Cards acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
Citi Cards would not help lower the monthly payment amount over the phone & they sent me a letter saying they wouldn't help. 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/XXXX & to file a complaint with the CFPB.

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I checked my credit report via XXXX XXXX one random day and saw that I had a collections report that I was completely unaware of and had not been notified of at all. It is from XXXX and they have not sent me a bill either. I feel blindsided and if I was notified, I would have paid so that it would not be sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: LA

Complaint narrative:
XX/XX/XXXX {$270.00}, XX/XX/XXXX {$990.00} XX/XX/XXXX {$1000.00}, These accounts are result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: QUALITY ACCEPTANCE LLC
State: OR

Complaint narrative:
For a year we have been paying our car two months advanced. Due to the Covid-19 and Federal mandate I am currently temporarily out of work and I kept getting calls from Quality Acceptance for payments. I explained my situation that I am struggling right off the bat due to the work restrictions because of the Covid-19. I informed them that this is our first time being late with the payment and still kept demanding for payment. I told them that their is a moratorium in place until everything is lifted and we will be back on our feet and will make the payments. They still won't listen and I am told by XXXX that " because this is a high risk lender, we don't participate on Federal and State guidelines. I was so shocked! Please help me and I am pretty sure that I am speaking for everybody else that is going thru this. Quality Acceptance LLC are located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I've been disputing inaccurate reporting on my credit report. LVNV FUNDING keeps saying I owe a debt, but I've never done business with them or XXXX XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Due to the Covid19 health crisis. Myself and my wife lost our employment on XX/XX/XXXX. We have a home equity loan with Citizens Bank. and they have no plan in place to work with customers. I was offered a 90 day deferment. This Home Equity loan was written in XX/XX/XXXX and was a non verifiable loan and is a loan that was typical of bad loans written back in the XXXX to XXXX banking crisis that collapsed the banking industry. I have contacted Citizens bank multiple times and requested a lower interest rate to make this loan more affordable and more reasonable. I spoke with XXXX from the office of the chairman in XXXX of XXXX and i was promised a list of things and nothing has been adhered to. I was also promised a loss mitigation package and Citizens Bank failed to mail me out loss mitigation information.Nothing Citizens bank promised they would do has been adhered to. Nothing!!! We are still unemployed, in a financial crisis and can not return to work because NYS has not implemented a reopening process in my geographical area.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
InComm Financial Services , Inc. denied my transaction and kept the money. InComm gives the runaround and no one has answers while they deny being responsible. Attempted a purchase on XX/XX/2020 From XXXX XXXX which InComm Financial denied. However, InComm Financial kept the money {$50.00} instead of returning it to the card. I have proof of the denial and that InComm has kept the money. They have a fake customer service that offers no solutions and have taken no action to resolve my complaint or document my complaint. Could be located at : XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.incomm.com ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a member of the XXXX XXXX XXXX who was called to XXXX XXXX for a XXXX to XXXX on XXXX XX/XX/2019. I took my orders into the Navy Federal Branch in XXXX for an interest rate reduction for my credit card ans car loan with them. The lady took my orders and claimed she sent them over. It is now XXXX and I am still waiting for my interest rate reduction. I have contacted them numerous times, sent emails and messages via their website. I keep getting told they are back logged and they will retroactively adjust the payment. That is not the purpose of the act. I am supposed to receive an immediate interest rate reduction, which typically means a reduction in payment amount due to making less money when called to XXXX XXXX. This bank is supposed to cater to military members and they are the only business that has given me the run around. They claim they are backlogged by at least 6 months, which means many military members and their families are effected by this. I have had to use morale calls and free time to try and correct this, at times at the expense of my safety.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Check my previous complaint where they responded that they would stop calling as of XX/XX/2020 since this is not the number of any person who has done business with them. They have not stopped calling for one day, and they call up to 4 times per day every single day. Between XXXX to XXXX so far ( it's only XXXX so they might call a few more times ) just in those 3 days they have called XXXX times. These are willful FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I've been disputing inaccurate reporting on my credit report. XXXX XXXX keeps saying I owe a debt, but I've never done business with them or XXXX  XXXX XXXX.The account number is XXXX. I've sent certified letters requesting this company to adhere to The Fair Credit Reporting Act Sections 609 and 611, which state they have to validate that this debt actually belongs to me by providing the original contract bearing my signature and my social security number etc and how the debt was verified. They've yet to do so because they don't have this information. 
I DO NOT WISH FOR ANYTHING TO BE VERIFIED VIA E-OSCAR! 

They tried sending an invoice that doesn't include any information that is necessary to validate this debt by law. At this point, it's harassment, and I'd like this inaccuracy removed off 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 2020-05-29 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: MIDFIRST BANK
State: MD

Complaint narrative:
My mortgage Company is not reporting my oN time Payments, and in fact, is reporting to the credit agencies that my mortgage is in deferment when Ive been making my mortgage payments on time every month.

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 2020-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello I am a client of WELL FARGO Bank, in XX/XX/XXXX I was involved in a crime, random people assault me, drugged me and robbed me, this people took my wallet and my phone. The same day of this violation happened the thief used my debit card and was available to spend {$5100.00} from my checking and saving account ( which as stupid it sounds that was possible why? Thats a question for Wells Fargo bank ) ME as a good customer I follow what I supposed to I called right away to dispute the ilegal charges and notified the bank. Also the same day I went to the police station to report what was happening ( I have a police report ) so I gave the bank time to do an investigation, it took less than one week and a half to decline my claim, why? This was their answer : because they thought I planned all the thief which its stupid because I have a police report and I as human being acknowledging that can go to jail for lying to the law and the bank! 
So I tried to do a complain to the bank because that I was told to do by a banker, so I collect all the information they were asking me for when I did the complain so : I gave prove that my phone was stolen, I showed receipt of my new phone, I gave information about the police report, I gave the bank information about my phone company explaining that the phone was stolen and the phone was flagged. After I waist my time doing all this the bank decide just to keep avoiding every time I ask for updates for my claim, the bank always give me bad attitude and bad customer service. I, as customer I just wanted an explanation why they declined my claim so fast with no explanation. Its been almost FIVE months and I havent heard from the bank at all. Its upsetting and disappointing because at the moment I open and account with Wells Fargo I never thought the bank would let someones else money just like that without notifying the client. They should have more security in their system. Its ridiculous the way they avoid their clients, I trust Wells Fargo with my money the least they can do is protect my money. How I said before its been 5 months and I have got zero respond from them this is my claim number : XXXX. I would like they to investigate this case more deep. 
At this point I dont know if I want to customer of this bank anymore.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have a Barclay 's Arrival Plus MasterCard that I pay an annual fee to earn travel dollars. I currently have over {$300.00} in travel dollars to redeem. Because of COVID, I am unable to redeem the miles for travel and they are due to expire soon. I contacted Barclay 's via telephone around the first of XXXX ( the gift cards were purchased on XX/XX/XXXX ) and asked the customer service representative if I could purchase travel gift cards with my travel miles. I was assured by the CSR that as long as the gift cards were purchased through the airline and showed up on my statement with the airline 's name that I could redeem my travel points. Now they are denying the redemption of my points. There should be a recording of our phone conversation and the CSR should have noted this conversation in my customer file. After calling them and recalling this situation, they responded with a letter denying the redemption of my travel rewards.

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 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Trying to link my cash advance app ( XXXX ) to my account but PNC, my bank wont allow it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I've made every payment on this Custom Credit Line since it was opened, but due to loss of work from the COVID-19 shutdown, I was unable to continue making monthly payments. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/20 when Gov XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since the shutdown, I've made 4 calls to have the monthly amount lowered as I can not make the current payments : XX/XX/20, XX/XX/20 ( 2 calls ), XX/XX/20. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citibank acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/20 & to file a complaint with the CFPB.

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 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
Applied for BBVA checking account during a promotion for XXXX . Met all requirements, and called customer service representatives multiple times over the course of the past 3 months. Was told by representative that the XXXX $ would be deposited into my account by XX/XX/XXXX ( she gave me a corresponding ticket # as well ). Called customer service again on XX/XX/XXXX and was told to wait until after XXXX XXXX. Called again on XX/XX/XXXX as money was still not yet deposited, the first representative told me the ticket # did not exist with my account. Called a different representative, and was told the ticket # actually exists and I have to wait until XXXX ( more than 90 days after opening account not in agreement with the promotion that was listed ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX California. The purchase price was XXXX. I had a mechanical issue with the vehicle on or about XXXX of XXXX, and made an appointment to get it taken care of, because supposedly the vehicle was still under warranty. The morning of the appointment, I waited out front of the building until my appointment time, and it appeared that the building was not open, so I went inside of the building, and was told that the dealership was closing as of that day, and the employees were just finding out. Later I see on the news that they were being sued by XXXX XXXX over fraudulent loans. Mind you that I had purchased a vehicle from XXXX XXXX in XXXX and had to file BK and the car was part of that filing. The BK was discharged, because one of the major creditors would NOT sign off on it, and took 6 months to say it. When the BK was discharged I called the lender to see if something could be worked out to resume payment, and was told I would have to pay the balance in full. I am now being sued for the balance of that vehicle because it was repossessed. The day it was repossessed, I went back to XXXX XXXX to get another vehicle, and got the one I have currently. Due to a massive loss of income due to Covid-19, I was falling behind and called the current lender ( Global Lending Services ), to see what arrangements could be made, I was told I could skip one payment, and they would place it on the back of the loan without penalty. I agreed to do that, and made the payment for the following month as scheduled, and found that they were charging a late fee and were not honoring the agreement over the phone, when I spoke to a representative, they couldn't explain what was going on, I asked to speak to a supervisor, was transferred to another representative after being placed on hold for 45 minutes, when they couldn't explain it, I asked to speak to a supervisor, and after being placed on hold for another 30 minutes, was disconnected. I am certain that there is some racket going on with XXXX XXXX and these lenders, I just don't know what it is. Please look into this matter.

Company response to consumer: Closed with explanation