vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a complaint about this company already with this agency and they finally reached out to me on XX/XX/21 with a letter saying the agency contacted them. I spoke with a representative named XXXX who said she will fully process the dispute and that once the dispute is resolved the account and its fees will be closed. The money they filed a debt for isnt money I owe to them since they are just late fees for the disputed amount that I contacted them MULTIPLE phone calls about that they continue to not answer. I called this morning again and they kept passing me along from representative to representative with no information or response to my dispute or questions. Their customer service is absolutely ridiculous which is why I closed my account. I do not owe them anything.

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 2021-03-18 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: AL

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported 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 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
During the pandemic I had trouble keeping up with credit card payments. I enrolled with a non profit credit counseling agency ( XXXX XXXX XXXX XXXX XXXX  XXXX aka XXXX ) in XX/XX/XXXX. XXXX Representatives reached out to all of my Credit cards enrolled in their program to reach a terms of agreement and payment agreement. Note this was not a settlement. Full account balance payments would be paid but negotiations were made on lowering interest rates and amount due every month. My problem lies with one of my credit cards from Synchrony bank XXXX XXXX XXXX XXXX account. 
Synchrony agreed to XXXX agent proposal for no interest and a specific amount to be paid monthly and I have been making those payments regularly every month as agreed to XXXX who disperses payments to the creditors. Now in XX/XX/XXXX XXXX notifies me that Synchrony bank for XXXX XXXX XXXX account is charging me an extra $ XXXX. The XXXX agent and myself called on a conference call to inquire about the charge. Synchrony said that a promotion on the card ( which I knew absolutely nothing about and was NEVER discussed in XX/XX/XXXX or time of purchase in XXXX ) expired and since I didnt pay the full amount by XX/XX/XXXX XXXX 3 months after I enrolled in XXXX  Program ) I have to pay full interest for the balance. I expressed that I knew nothing about this and this was not discussed with me or the XXXX agent at the time of our new agreement in XX/XX/XXXX. They are now breaching the new contract we made in XX/XX/XXXX to charge me interest. This was lack of communication on Synchrony end and very deceitful. They agreed to have me pay the full amount with NO interest and now decides to charge me full interest on the balance. That is completely wrong. I would like the XXXX charged to my account removed as they failed communicating this with their customer and to the XXXX agent and are breaking an agreement. Regarding account ending in 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 2021-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Have sent a written request to Equifax asking for my free written credit report on XX/XX/21 and again on XX/XX/21 I also enclosed a copy of my drivers license and a copy of my social security card along with two current utility bills and still they have failed to send me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
On or about XX/XX/2020 till currently I have entered into a modification agreement with Freedom Mortgage, They never offered a deferment to put balance on back end of mortgage or more relief, just a modification to pay back unpaid balance due to Covid19. 

I entered into the modification agreement and have made consistent payments for over 1 year yet freedom has not issued a permanent modification and marked my credit current on the mortgage.

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 2021-03-18 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: FL

Complaint narrative:
I obtained my written credit report from XXXX. On XX/XX/21 I sent them a Letter stating that under the fair credit reporting act, section 609 I was requesting further information on 8 negative entries including copies of the original contract or service agreement. They are now sending me dispute updates via email simply saying that the creditor had verified the information as accurate and they are refusing to supply me with these copies of the original contract or service agreement for any on the items and have not removed them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: DE

Complaint narrative:
I have disputed this account with the credit bureaus and PROFESSIONAL FINANCE COMPANY, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I transferred my account from Merrill Lynch to another broker on XX/XX/XXXX, but not all funds got transferred. Merrill Lynch held back {$19000.00} in funds, including over {$10000.00} in cash proceeds from trades that had settled. I was locked out of access to those funds. I called on Monday, XX/XX/XXXX and was promised it would be resolved the next day. It wasn't. I called every day, spending over two hours on the phone over the course of three days. Each day I was told the money would be released the next day, but it was not. Today, XX/XX/XXXX, my account shows online as " closed '' and I have no way to access my cash balance or transfer it out.

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 2021-03-18 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: CO

Complaint narrative:
I have been filing formal disputes with these 3 companies since XX/XX/2021 and they are violating the laws that are listed in each letter. I humble myself to be a law abiding citizen and yet the companies are bullying me and yet getting away with it. I will upload the attached letters and show you what I am speaking of. 

I am preparing for a lawsuit for {$5000.00} per company in the next 30-45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I enrolled in Account Assure, an account protection program for my Express Next Card issued through Comenity Bank. The fee for Account Assure is {$1.00} per {$100.00} of my monthly statement balance. Per the Account Assure Terms and Conditions the program is an optional addendum to the Credit Card Agreement for my Express  Card. Eligibility Requirements state that subject to the Terms and Conditions I as the primary cardholder may be eligible for an involuntary unemployment benefit. Accordingly to be eligible I must have experienced an involuntary unemployment for at least 30 consecutive days from the Date of Loss, including the Date of Loss. Furthermore, in the event of involuntary loss of Permanent Full-Time Employment I must have been engaged in Permanent Full-Time Employment on the Date of Loss. In addition, my loss of XXXX XXXX must be due to Involuntary Termination. As such, my employer must have been required to make contributions for my employment to the state unemployment insurance fund. On XX/XX/XXXX I became involuntary unemployed from my employer due to the economic impact of COVID19. Based on this eligibility I filed a benefit request for involuntary unemployment with Account Assure on XX/XX/XXXX. After filing this request I received a benefit form to complete. Upon review of the form it included an Employer Verification section to be completed by my former employer. On XX/XX/XXXX I spoke with two representatives through Account Assure and advised that my employer was unable to complete the section as the company used an external payroll software provider for employee verification ( i.e. date of hire, payroll stubs, etc. ). However, I was provided a letter on company letterhead stating I had been involuntary terminated due to the economic impact of COVID19. In addition, I had verification of my unemployment benefit statement. According to the two representatives my benefit would be denied because the letter provided by my employer did not meet the requirements as it failed to state my date of hire and number of hours worked. However, in the Required Documentation section of the Terms and Conditions it stated " in the event the cause of unemployment provided by the state unemployment office and the employer contradict each other, the state unemployment office information shall overrule the employer information. '' It appears the " cause of unemployment '' is sufficient. As a result of the verbal information I was provided on XX/XX/XXXX I made the decision to close my Express account with Comenity as the program is misleading and makes it difficult for customers to request a benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested the removal of the following inquires on my credit file : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XXXX & XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have no knowledge of these companies for any services. 

It was also conveyed to me that inquiries or a fact that I applied for credit or gave my permission to these creditors which is not a true statement!

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 2021-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I spoke to Flagstar Bank about my acct # XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX. Due to COVD I could not make my payment, they placed me in forbearance. Since XX/XX/XXXX I receive a call from XXXX XXXX XXXX every month, to the present XX/XX/XXXX was the recent call. Stating this is an attempt to collect a debt, I ask why are you asking me to make a payment in my forbearance? They say they can call to ask for my status, can I pay. I have emailed HUD to get help with a standalone partial. However they tell me Flagstar would be the one to start my application. I want the harrassing calls from the debt collector to stop. They do not offer any help with anything, except asking for 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 explanation
Consumer complaint received 2021-03-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: DE

Complaint narrative:
I have disputed this account with the credit bureaus and SIMONS AGENCY INC, and I have never received a single letter from them. This is a violation of the FDCPA and FCRA. I HAVE RIGHTS. I do not know who they are or why they are on my credit and they are required BY LAW to send me written notification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Thank you for taking my complaint. During the pandemic, I was offered a settlement from Capital One bank to resolve a credit card that I had. Due to the hardship of the XXXX the XXXX of family members and the loss of employment of other family members, I had originally made an agreement with Capital one to pay the debt that I acquired. Being a victim of Identity theft and having to change to change my card, I become the sole provider of the home. With that said, I took it upon myself to contact Capital one to make an arrangement. Capital agreed to settle the debt for 2, 800 and I knew that I could attempt to afford that amount. while the pandemic was ravaging my family, I myself became sick. In the process my affairs where handled by another party. Recently I was surprised to learn that Capital One proceeded to breach the agreement and decide to send my paperwork to an attorney 's office for non-payment. While I made some attempts to rectify the situation, they never regarded me as a person who was dealing with my own financial, emotional, physical problems. While banks were making arrangements to work with me, I was referred to an attorney office in which the lady berated me on the phone and proceeded to aggressively harass me over the phone. I proceeded to tell her that I was under the impression that I had already made an arrangement with Capital One and didn't see the purpose of the call. She proceeded to tell me it was my responsibility to contact her every month to let her know what my status was. If you listen to the recording of my interaction with the call center, I was visibly shaken and terribly upset. This scary encounter landed me in the hospital. I am not sure what kind of practices that Capital One are using to assist those who have been hit by the pandemic but my call was not a friendly let 's work with you call. I was very disturb by the encounter and I need someone to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
The problem is that the mortgage officer keeps asking for more information. They were not up front about what information they needed. Finally, they asked for a quit claim deed. My attorney stated that he thought that they did not know what they were doing. Time after time after time they kept asking for more documents. I refused to submit a quit claim deed. I want a approval and a closing date or return of the appraisal fee they robbed me of. I want to know who else has had problems with this company. 

And rates have gone up since I applied for this loan and locked in at the rate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Harley Davidson Financial Services Inc
State: DE

Complaint narrative:
My payment is due on the XXXX of each month, I have explained to them that my husband is sick, and they start calling me on the XXXX in the morning at XXXX and then every 30 minutes after that until XXXX, and this goes on for days. they continue to call until I pick up the phone. They should not be allowed to call this may times in one day.. That is over 8 times a day.. this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Investigation took more than 30 days
Company: C/C Financial
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Paid off a debt from the Thomas agency on XX/XX/2021 that was 6 years old and they refused to do a settlement they denied the dispute. So dished out the full amount and now they wont send me a letter of proof that this will be removed from all 3 credit bureaus, also refuse to send it to have taken off ASAP which its an urgent matter to have to this removed as soon as possible. Talked to two supervisors and two different repenstives and they were no help at all. This is an urgent matter were trying to buy a house and we only have so many days to get this taken off OR proof it will be taken off. The second guy I talked to was rude and made me sound like a liar. Not impressed.

Company response to consumer: Untimely response