vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Issue with COVID-19 Payment Relief I have spoken to Customer Service several time, my calls received by agents in XXXX and also I receive agent 's calls from XXXX. Simply, these agents do not not how to handle COVID-19 payment relief requests. 

I requested for COVID-19 payment relief and thought it all went OK but I noticed a late payment on my credit report. I contacted back and I was told that it has happened because I did not pay the late fee. The agent from XXXX said he will need a payment before setting up COVID-19 payment relief. But, he was not the only agent said it to me, there were several other agent from XXXX said the same to me. One of the agents said that he will credit my account with {$15.00} if I pay my bill to him. 

after i filed the complaint against the bank i told them that i filed the next day the reduced my credit limit by {$70.00} which caused my credit score to drop by 69 points, i called them and asked why are they keep asking to make a payment when i requested covid help, they kept ignoring my question and kept asking when am i going to pay. my concerning is that if the consumer asked for covid payment relief several time why are they asking me to make a payment. that is a violation because the government has motor for all lenders to provide relief not to report to bureau for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Alorica Inc.
State: TX

Complaint narrative:
My vehicle loan was being serviced by Systems and Services and Technology 's ( SST ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called SST and they advised me that they no longer serviced my account and it was sent over to another company by the name of White Coast. I was given a phone number to White Coast. I  called White Coast and they told me that my account was being serviced by SST. For the week and a half I've been in contact with both company 's, SST and White Coast, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to SST and the only response that i get is to call White Coast. I then spoke with a Supervisor by the name of XXXX XXXX on XX/XX/2020 she stated that she would look into the matter and call me back and she never did. I've tried to call several times either asking for her or another supervisor and all i get is that they will call you back in 24-48 business hours or they are busy with another client. I never receive a call back. The only update that i have received is that my money i sent on XX/XX/XXXX was sent over to White Coast on XX/XX/2020. SST has failed to provide any type of communication in writing about status of my account and no one ever returns my calls. The phone # XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX SM BUS ADMIN ODA.

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 2020-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have an account that went " dormant '' with {$50.00} in it. I am trying to close the account however they are insisting ( via electronic communication and over the phone today, XX/XX/2020 ) I need to do this in person at a branch ( closest branch is 50 miles away ). I opened this account online and have never visited a branch. 

I just want to close my account and get my {$50.00} out, and they are not making any exceptions due to COVID-19 and still insisting I put myself at risk going in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received today an email from Capital One Venture Card stating that they reduced my credit limit to {$5000.00} from {$10000.00} effective immediately without prior notification. I called Capital one several times to see how much they were looking for me to charge each month to keep my credit limit to {$10000.00}. No one could answer that question and told me I would have to talk with a credit specialist but they had no credit specialist with which to talk. In all the years I have had a credit card, I have never had a decrease in credit. I have always paid my bills in full on time. In spite of having substantial liquid assets and income, we have been unable to resolve this problem with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: FISERV FINXACT CORE
State: RI

Complaint narrative:
I am a RI XXXX XXXX. I am writing you because I am having some difficulty with one of my financial services. As many XXXX  I use a credit card reader to accept payment from my XXXX. XXXX  XXXX XXXX XXXX XXXX is my provider. Also Fiserv is the company servicing them and charged me ( see next Paragraph ) On XX/XX/XXXX I contacted them in regard to possibly get out of my contract without penalty. In conversation with my point of contact ( POC ). I stated that my contract obligations are up in XX/XX/2021, and asked if I could get out of my contract early waiving my monthly fees and {$500.00} penalty for cancelling contract. This was just an inquiry. 

The very next day XX/XX/XXXX, my checking account was charged the {$500.00} penalty. I immediately contacted my POC and I stated that my conversation with her was just an inquiry and I would like my account reimbursed the penalty. Long story short, through multiple phone and email conversations my POC stated that the request for refund is still in process. To date my account has not yet been reimbursed and on top all this I am still being charged a monthly service fee. 

Please let me know if you can assist me in this situation. 

This is my POC at Fiserv, the company who handles these services : XXXX XXXX Client Engagement Specialist SMB Client Engagement Team 1 XXXX  XXXX XXXX XXXX, MD XXXX Office : XXXX | 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 2020-08-19 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:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} XXXX XXXX   XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Early XXXX I drove from XXXX, Alabama and visited the office of XXXX XXXX XXXX in XXXX Alabama. During the visit I requested a series of lab panels. I received the results of the panels but there were no results provided for a cholesterol panel that I had requested. I spoke with Dr. XXXX XXXX regarding the missing cholesterol panel and he responded that no cholesterol panel had been performed. Approximately two months after the visit I received a bill from XXXX XXXX XXXX for the cholesterol panel. I called the doctor 's office to discuss the matter and was told that the person who had been doing the billing was no longer performing the services. I was also told that an error had occurred and that the cholesterol panel had been done. I told the doctor that I had never received the results of the cholesterol panel and that I had found a new family care doctor to provide the needed lab work. Dr. XXXX became angry and demanded that I come to XXXX for the results. I spoke to the doctor office 's new billing manager to try to get the matter resolved on several occasions. She explained to me that the billing manager had been fired due to administrative problems specific to billing and they were having to write off a lot of accounts I also learned that there was a connection between the entity performing the billing and the collections agency, Holloway Credit Solutions at XXXX XXXX XXXX XXXX Alabama XXXX ( XXXX ) XXXX. In XX/XX/XXXX Holloway Credit Solutions submitted account number XXXX to the three credit reporting bureaus as an unpaid balance of {$40.00} related to the cholesterol panel that I never received. I filed disputes with each credit reporting agency. This item has been removed by all agencies except XXXX. I have contacted Holloway Credit Solutions and XXXX  to have this item removed because the services were never provided and are believed to be part of a scam. Also, I never received the services. Due to the numerous complaints filed regarding the billing the doctor cancelled his membership with the better business bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19 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:
I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: GA

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX 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 2020-08-19 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: GA

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Last year, within a 4 month period, I was approved for 2 credit lines through Synchrony bank. The first was with XXXX XXXX in XX/XX/XXXX with a {$500.00} limit, of which I used the entire amount. 
The second was in XX/XX/XXXX with XXXX XXXX, for {$1200.00}, of which I purposely used much less of the available credit to keep my debt to credit ratio in check. And in XX/XX/XXXX, knowing i was going to apply for another refi when the interests rates dropped again, with the purpose of bringing my credit ratio under 30 % of the available balance, returned one of the products I purchased from the vendor. 
I made the payments on-time for months for both accounts with no late payments In XXXX i received a letter that they were lowering my credit limits to within a couple of dollars of my outstanding balance on both accounts- due to the fact that I limit my own credit lines and try to pay cash for purchases, this completely wrecked my credit ratios, and has now affected my refinancing loan for my house AND is disallowing my business to be qualified for marketing with a consumer protection company that wanted to showcase me to a national audience. 

By no fault of my own I was subjected to financial damage by a bank that refuses to give me even a document I requested on company letterhead acknowledging my initial high credit limit to pass along to the financial professionals I am trying to do business with, and, as is stated in the recorded call with the Manager I spoke with, they used information that was READILY AVAILABLE at the time ( s ) I was approved for these lines of credit, as a post factum reason to cut my credit limit- as stated, had I known, specifically on the Sweetwater account, that this would happen, I never would have entered into this financial contract with them and put my credit score at risk to begin with. 
If I was at all a credit risk, they ethically never should have given me a SECOND - LARGER credit account and/or approved my for such a high limit based on the low amount of the purchase I made. To this day I STILL have not been late on a payment.

Due to the reckless disregard of this bank, their mis-furnishment of information to the credit bureaus, and by no error of my own, my family is now subject to a higher interest rate on my home, which is costing us thousands of dollars a year, and my business is suffering potential rejection from a consumer advocate and marketing organization that promotes businesses and financial professionals like myself on a nationwide basis.

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 2020-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NY

Complaint narrative:
I have been repeatedly called by this phone number multiple times per day at all sorts of hours. Everytime I pick up no one responds. I Have returned the calls to find dead lines, no one able to assist me and flat out rudeness. I was refused to be given a business name, phone number and address on several occasions. Additionally without veryifying any information to confirm my identity someone just gave me all my personal information over the phone. 

I dont know what this is for and the few things I have placed in collections does not show this company on the chain of title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill 's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information hycite service I returned all their equipment and their still charging me. 
Hycite service Come financial XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX  XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, my husband and I made an online reservation for a car rental in XXXX and paid for the reservation, using my AAdvantage Mastercard with Citibank. 

The receipt for the reservation clearly shows that the total amount for the rental would be XXXX XXXX ( approximately {$120.00} ). However, when I received my credit card statement, the amount charged by the rental company was about {$410.00}. 

I contacted the rental company but was not able to resolve the situation with them ( even though they did not provide any reason for the discrepancy ). As a result, I submitted a timely written dispute with Citibank. 

A few weeks after the dispute was initiated, Citibank acknowledged that the dispute was resolved in my favor. However, I received a credit in the amount of {$70.00}, which was incorrect. The difference between the rental charge I agreed to ( {$120.00} ) and the charge on my card ( {$410.00} ) is {$280.00}, and I should have received a credit for {$280.00}. 

I contacted Citibank about this numerously in writing, on XX/XX/XXXX, XXXX and XX/XX/XXXX. I also called a few times, but received no answers and no explanations. I believe the Citibank 's conduct is in violation of the Fair Credit Card Billing Act. I respectfully request your assistance with this matter.

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 2020-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP
State: NC

Complaint narrative:
We had a conventional mortgage that was paid in full on XX/XX/2020. 

On XX/XX/2020, we received a notice that our escrow refund was processed and sent. The total amount is {$1300.00}. 

We never received the check so we contacted GSF Mortgage Servicing/Cenlar about re-issuance of the check. 

This was completed on XX/XX/XXXX. We were told it would take 15 business days to process and the check would be mailed out. 

We called back numerous times at the end of XXXX XXXX to explain that we never received anything. 

The representative explained that the check was never re-issued as our " ticket '' was still open in their system as of XX/XX/XXXX. 

After numerous calls and transfers over the course of XXXX, along with being hung up on, we were finally put in touch with a " supervisor '' named XXXX. 

She said the new check would process as of XX/XX/XXXX and it would be 10 business days to receive. 

She also said she would provide a call back to me personally once the check was processed. This never happened. 

She also said that we would receive a transcript of all of our call log from our numerous attempts to resolve this. This also never happened. 

We called again today to ensure that this has taken place to only be told the new check had been processed but they could not provide any detail on the check, tracking, or any other information assuring us that this has been resolved.

Company response to consumer: Closed with explanation