vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted Chase on Monday, XX/XX/XXXX. I was told by automated message that I would be on hold for 1.5 to 2.5 hours to speak to a representative regarding my difficulties paying my mortgage due to loss of income during the Coronavirus outbreak. I was told by the representative that it was taking so long because the interest rate was decreased and the same department was busy refinancing mortgages for clients. When I did speak to someone, I was direct to chase.com/mortgageassistance where I am required to complete and mail in a collection of documents, including a profit and loss statement for my business. I do not have such a document completed yet and due to the delay in income tax filing, this is an extreme effort to put this together before I run around of funds for my mortgage. I have never missed a mortgage payment in my life and I need more immediate assistance, not a complicated process where I am being asked to meet a list of requirements to simply request some kind of deferment in payments. I have not experienced any interest or compassion from Chase in helping me address my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I reached out directly to the credit bureaus in writing on XXXX, asking them to verify this account and they told me I needed to contact the company, so on XXXX, I reached out to the collection agency in writing asking them to please provide me with the full payment history leading up until the point of the amount they're saying is owed, I asked for a signed contract, their license and bond to collection in my state ; etcand if they couldn't provide me with the validation of this account to delete it from my credit report. I never received a response from this company, nor was this inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Hello CFPB, I am sure you guys understand the tough situation we are all going though right now, last week we were doing totally fine, 2020 was looking good to me but this week everything changed for the worse. This week I lost my job due to the corona virus issue. 
My employer told me to go apply for unemployment, but unfortunately the benefit wont be enough to cover my monthly expenses.I am stressed, overwhelmed, don't know how I am going to feed my family for the next weeks/months. I don't know what to do. 
I decided to check my credit this week to see my credit lines and see if I can depend on the money if we get to an extreme situation. 

I was heartbroken to see that there was a collection account from a Commonwealth Finance for {$920.00}, I do not understand where is that account coming from, I have been working so hard for the past 5 years to build my credit, always make payments on time, always pay my bill, I have never missed one single payment ever before, seeing that collection made feel hopeless, so much work to build my credit just to be destroyed by a collection account like that, XXXX!! my self esteem is to the ground, everyday things continue to get worse. 

I am reaching out to you guys to help me remove that account off my credit and help me take some weight off my shoulders, I am praying for things to be better, but for some reason they continue to get worse, the past few days have being the worse days of my entire life. 
I am looking for some time of positive news on my life right now, something that will show me that things are getting better, I do not want to continue to feel hopeless. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One Home Loans took over my loan as of XX/XX/XXXX. I attempted to make a timely payment and their online payment system has an incorrect amount and is charging me a late fee from months earlier that my previous loan servicer waived. I have been attempting to contact their 800 number all week and continue to encounter hold times of longer than 30-60 minutes at times. I had a contact number of someone but they did not answer multiple calls, have not returned the call, and now I lost their number so can not contact them. In addition, I have spent all week attempting to contact the company and make my mortgage payment without success, and now they will say I am late this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It May Concern, My Name is XXXX XXXX, and I've been a Wells Fargo account holder since XXXX. Being XXXX, a father of XXXX-year-old, a XXXX XXXX, and a contributor to society ; life has not been easy. The past year, I've struggled after leaving a job due to a hostile work environment ( which is illegal since its constructive termination ), struggling to make ends meet XXXX XXXX while managing said position as well as attempting to balance 18 credits a semester. I recently learned that Wells Fargo Bank charged me about a dozen NSF, ATM, and SP fees From XXXX. Much of these fees are indeed due to hardships ; however, I was never aware of some of these until they showed up on my account. Big banks in America made over XXXX XXXX in these fees within the past year. Since opening an account with Wells Fargo, I've started to see a difference in regards to which banks value my business as well as works with me more. Wells Fargo has an opportunity to repair this relationship they were to reconsider their consumer-unfriendly policies for my situation and decides to refund me most, if not all, of the money I've had to endure paying because of their ridiculous fees. Wells Fargo is only making the poor poorer with their ridiculous fees, and I don't see how they expect to profit when individuals can simply not pay the overdraft fees and let their account close and go into collections. One thing I've learned with collections is that the creditor usually fails to make a profit back from the debtor since the account is being sold for much less than the debt owed. All I am asking for is the money I paid back. I work hard ; I go to XXXX  while raising a child, and I dealt with financial situations out of my control. With everything that's going on with the pandemic and individuals such as myself not being able to maintain a stable income because of it, It's only fair Wells Fargo uses my situation as a precedent of a bank that's giving back to those that supports them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion didn't remove inaccurate accounts caused by identity theft even though I provided them with FTC ID theft report and all sufficient documentation, in particular : - 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 2020-03-23 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: OK

Complaint narrative:
I have submitted several disputes with Equifax concerning false an inaccurate information from XXXX & XXXX in my credit file. 
An account they bought from XXXX XXXX. 
Everything about the account is wrong, Date, payments and amounts But Equifax refuses to remove the account from my file and they have no information to support that the account is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express aggressively campaigned for existing members to add an interest bearing credit account to their traditional legacy charge cards. The terms included accessing a late fee if you were 30 days past due on your account which was consistent with their charge card policy. 

Now in the middle of the Coronavirus pandemic and financial difficulty for all, AMEX is looking to capitalize on everyones misfortune by Informing cardholders on their XX/XX/2020 statements that they are changing this policy to start charging large late fees IMMEDIATELY when minimum payments are not received by the due date, essentially 30 days earlier to what it was. 

Not only is this an underhanded stab at cardholders, it is a cruel, cold, and calculated way to profit from the misfortunes caused by the Coronavirus outbreak!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank ran a promotion that if I deposited {$15000.00} in a savings account for 60 days and opened a checking account I would receive a {$400.00} bonus. It has been over 90 days and I have not received the bonus. I have attempted to contact Citi Bank and have waited in hold for over 2 hours. Ive read that many others have had this issue. 

The accounts were opened in the beginning of XXXX. {$15000.00} was transferred into the account on 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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent Equifax 3 dispute letters dating back to XXXX of 2019 asking them to remove these inaccurate accounts showing on my credit report. The three items that are left on my Equifax credit report has already been deleted by XXXX. Every time I send a dispute letter into Equifax I'd make sure I'll attach my XXXX dispute results with the dispute letter to show that XXXX has already deleted the items that Equifax refuses to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
I contacted XXXX  and XXXX  about 2 inaccurate accounts that did not belong to me. 
There are also 6 inquiries that I explained that they were done by identity theft that my personal information was compromised due to a data breach and I was told to contact the companies directly and didn't remove them. because of these, it has caused my credit score to become distressed and caused me to not be able to support getting things I need for day to day living. so this is why I'm reaching out for your help to correct this situation as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XXXX XXXX XXXX that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: UT

Complaint narrative:
To Whom It May Concern : I am writing to petition you for assistance in a matter that has caused me grave health and financial hardship, associated with Netspend. I purchased a prepaid Netspend visa debit card at a XXXX 'XXXX  XXXX  in XXXX XXXX, Utah on XX/XX/2020.Subsequent to my purchase, I loaded the card with {$500.00} cash ; and attempted to activate the card, but to no avail. 

The Customer Service Representative said she could not verify me because the address on my driver 's license was a P.O. Box and Netspend apparently doesn't accept P.O. Box 's for verification. 

I asked what could be done. She replied that I needed a Government issued identification with an address, other than a P.O. Box ( to which I do not have ). 

When I asked to speak to her Supervisor, I was placed on hold for more than an hour ( and it was the second time I called to resolve this matter ). The issue was never resolved ; and I still do not have access to my money. Again, this has caused me grave health and financial difficulties. 

Although I am at an impetus with Netspend, I am confident The Consumer Financial Protection Bureau can help me get a refund, or resolve this issue in a timely manner. Thank you, in advance. 

Kind Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit card is holding ach debit for long periods of time. I resolve the first issue but they continue to place hold on cash. I have to call capital one constantly now and been with them for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I sent written communication to Portfolio Recovery Associates dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Portfolio Recovery Associates dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Portfolio Recovery Associates sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Portfolio Recovery Associates communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Portfolio Recovery Associates to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Portfolio Recovery Associates provided none of the above. Portfolio Recovery Associates continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Portfolio Recovery Associates has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process with the same outcome from Portfolio Recovery Associates. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Affordable Financial Solutions
State: CA

Complaint narrative:
I paid {$170.00} to XXXX XXXX with Affordable Financials/XXXX And XXXX XXXX  for Credit Repair and  Restoration that was never completed then she stopped responding to my emails and phone calls. Not mention she got my credit report locked causing such a headache.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
The collections account stated XX/XX/2019 XX/XX/2019 XX/XX/2019 my birthdate and social security number to open a fradulent medical account with medical health accounts. 

{$770.00} {$980.00} {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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 2020-03-23 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. 
I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I provided proof of paid debt

Company response to consumer: Closed with explanation