vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: CO

Complaint narrative:
Client Service submitted a response. Their response in insufficient. They continue to provide old credit card statements, just showing fees on top of fees. There is no transaction history. I have asked several times, for them to provide me with a signed contract, full details of every purchase on the credit card. Client Services doesn't get to choose what it sends in to verify the debt. Please refer to my previous submission for what I asked for. This is required by FCRA and FCDPA. If your going to ignore these requests I will hire an attorney to sue you back for insufficient validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX credit card with Citibank in XXXX, 2019. In XXXX, I received a bill for interest charges related to charges I didnt make. On XX/XX/XXXX, I called and was told if I paid the {$30.00} in interest charges I wouldnt owe them anything else. Although I didnt believe I owed them, I sent a check on the same day. In XXXX, I began to receive harassing phone calls about the money I owed. I called Citibank and was told they had received the check and I had a balance of {$0.00}. I was also advised not to respond to requests for payment. 

Citibank is now demanding {$110.00} in interest and late fees. There appears to be no way to end this cycle.

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 2020-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Contacted Credence EBB and they stated that they would accept {$510.00} to settle on my account and I agreed. Then I requested they send me a bill via e-mail and gave them my e-mail address. I was then told they couldn't send me a bill for the {$510.00} and if I wanted to settle on the discounted amount I would have to pay then and there or just pay the {$740.00}. I then mentioned to Credence EBB that if they couldn ' t send me a bill requesting payment that I would not pay. So, as of this point and especially now with the Covid-19 going on. I will not be paying this collection agency who apparently doesn't like to do business the right way. 

Thank you, XXXX XXXX Creditor Acct No : XXXX XXXX Credit Ref : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
I was checking my credit report recently and noticed inaccurate information pertaining to my credit report. It's showing a collection for XXXX XXXX  in the amount of a {$160.00} on XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
American Express serve has locked my account with my COVID related stimulus on the card. The only way to reset the card is with customer service through a toll free number. I have called over 20 times and have waited on hold for a cumulative 6 hours with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
I had to have emergency electrical work done in my home. I am a XXXX year old single woman who lost my job due to Covid19. The amount of the bill for the electrical work was {$10000.00}. I told the company that I didn't have that kind of money and they offered to get me financing. They called GreenSky to get approval for a credit loan. I was given a line of credit exceeding the amount needed. The work took place the week of XX/XX/XXXX but was and is not completed, and the fixed payments to GreenSky are to start @ 40 days thereafter. On XXXX I was notified via email, that there was activity on my account. GreenSky paid the electrical company, Mr.XXXX, the full amount. The contracted work has not been completed. I then called GreenSky and asked them if I was their client, of course was their answer. I then told them that any credit card company calls their client when there is a large charge that is not usual and asks for authorization for the charge. I asked them why I wasn't notified? I asked them if they were aware that the job was not completed? I asked them if they pay for services in full when a job has not been completed? I told them that they left me holding the bag in essence because Mr. XXXX is not responding to me regarding finishing the job and that now, why should they when GreenSky has now paid them in full. From their actions, it appears to me that they were doing what was best for Mr. XXXX, and not me, their client. It makes me question just who their client really is? I got no response and when I asked to speak to a supervisor I was told to take it up with Mr. XXXX. As I mentioned in the beginning, I am out of work because of Covid19 and now I have been notified by the Credit Bureau Agencies, that my credit has dropped over 30 points because of this. I called the Consumer Financial Protection Bureau and was told that of course I could lodge a Complaint but that it doesn't necessarily mean that action would be taken. I was told that there has to be many complaints before action is taken. In looking at your database, it seems that many people have complained about GreenSky. I hope adding my Complaint will result in action being taken. 
Thank you,

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 2020-04-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-13 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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 2020-04-13 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a line of credit with Paypal Credit ( Synchrony Bank ). I had returning an item purchased online, leaving me with a negative balance of {$780.00}, which I requested be sent to my home address as a check. I called Paypal Credit on XX/XX/20 for this check and was told it could take up to 3 weeks to arrive. After not receiving the check, I called back on XX/XX/20 to figure out what was going on. The customer service agent suggested they send out a new check and cancel the first. I agreed and asked that they send it to our XXXX Store box this time to guarantee delivery and avoid any potential theft. They said I needed to wait another 3 weeks for this check, and they refused to expedite it. 

Today is XX/XX/20, and I still do not have my check. When I called back again today, Paypal Credit refused to help resolve the problem in a reasonable manner. Paypal credit refused to expedite another check and kept telling me I need to wait 3 more weeks to get a new check sent. Upon threatening to file formal complaints with federal agencies like this, the account manager from Paypal Credit hung up on me. My Account Activity on Paypal Credit 's website shows them issuing the checks then cancelling the latest one. 

It does not take 3 weeks to print and mail a check, and despite being patient with them this whole time, I still haven't received the check after nearly 2 months. Paypal Credit is trying to get out of returning my money. The chances of 2 consecutive checks just disappearing into thin air is essentially zero. This is clearly a fraudulent tactic to get me to forget about the refund check.

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 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Our closing has been rescheduled 3 times because the loan processor keeps losing our paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Hello CFPB team, Since both myself and my husband are out of work due to the Covid-19, I wanted to get a deferment from Mr. Cooper. I tried contacting them by the website, phone, and the app on XX/XX/XXXX, to no avail. I finally got an answer via their XXXX  page. They said that they would look into options. They sent me a letter on XXXX stating that I have been put into a forebearance. As you know, a forebearance does nothing but push the mortgage back and then you have to pay a lump sum. This happened a lot during the 2008 recession, that is why many lost their homes. They told me that I have 3 months forebearance, then pay it all in XXXX. How can we do that when we are not working? We have paid each month of 15 years on time. Other mortgage lenders are offering deferments, why don't they? I would like a deferment please. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Around XXXX on XX/XX/2020 I recieved a check. XXXX coronavirus stimulus. 

Myself and clearly hundreds XXXX if not more ) of people are unable to use the balance, that shows as ready to use, to make ANY purchase. I've tried various stores, food delivery services like XXXX  and XXXX, I have tried multiple only site purchases, and I have went to the ATM. It is like the card has been literally locked out. 

I made contact with customer support, sort of, ( meaning I used @ AskAmex on XXXX, which is their " quick support '' link. Nothing. They tell me to call their number, XXXX ) and I waited and waited and finally the automated response told me to please hold while they transfer me to a representative, and that my call may by monitored or recorded. It rings once, and hangs up. I've tried it with 4 different cell phones of friends ' and I also called from 2 landlines, one being the landline for a XXXX  store down the street when I tried to buy food. Nothing is working, and this is getting out of hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
I applied to AES ( American Education Service ) for Covid-19 relief and was told that my two federal loans were not eligible for interest free forbearance as stated by the CARES act as signed into law by President Trump. 
I noticed primarily that in order top even apply, I had to spend over a half hour just to find the application page ; furthermore, the forbearance was only applicable for 3 months instead of 6 as the relief act states. 
I called and asked about the issues and was told that : 1 ) my loans were not eligible for the 6 month forbearance ( I have 2 federal loans listed ) 2 ) also, my interest during forbearance would continue to accrue during this period and just that the interest would not be capitalized at the end of the forbearance. 

I don't believe that is intent of the Covid-19 relief act and honestly is not really relief. I know others whos servicers are doing completely opposite with the same type loan which is no payment until XXXX and no interest during this time. 

Please look into auditing and addressing this with AES as they are not obeying Presidential mandate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: MN

Complaint narrative:
I have been in medical care since 2017 and made payments to XXXX. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about XXXX and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real Time Resolutions out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland Mortgage fail to adjust escrow to reflect new payment of a lower payment. Midland Mortgage hold overage funds failing to disburse. The company practice of subjecting customers to higher escrow rates when not needed. This company takes 4 to 6 months to correct actions when they have to lower payments. Midland is fraudulent with escrow accounts and handling funds.

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 2020-04-13 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}

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 2020-04-13 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: OK

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}

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 2020-04-13 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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I began working with Navy Federal Credit Union on refinancing my mortgage loan in early XX/XX/2019. They delayed processing and acceptance through most of XXXX, XXXX, and XXXX. After working with them to collect needed documentation in early XXXX, documentation which they demanded be provided within 1-2 business days or they would close my loan which presumably would mean they'd make me wait 3 more months. In XXXX they provided loan estimates of 3.6 %, and then raised that estimate later in XXXX and XXXX without proper notice. The bank would regularly send paperwork and then let it expire over and over ; due to their massive backlog processing delays, so paperwork updates were routine and gave me no reason to suspect a change that was adverse to my loan or finances. 

After no notice through most of XXXX following assignment of title company, I called on XX/XX/XXXX asking for an update on my loan schedule as well as requesting an understanding of the current rates and received no updates until XXXX  XXXX when I was issued a closing date by email. When I received my paperwork for that loan, the rate had been increased to XXXX above what I had received in prior estimates. 

Navy federal delayed for 4-5 months, changed processor contacts, demanded immediate action during sporadic moments of time in order to keep my loan application from further delays and then raised my rates at the last minute without proper notification. 

I am attaching PDFs of our email conversation threads highlighting weeks of delays and rushed demands from the bank. I am also including a screenshot of the document delivery notifications that were sent almost daily to my email inbox and that I was instructed to ignore since they were a result of the bank working around their own rules to deal with their backlog. This document delivery noise further confused and interrupted any reasonable expectation of notification they may provide, especially when the bank told me I am to ignore them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have been in medical care since 2017 and made payments to Citifinancial. I had a payee making payments. I never received any statements after a certain date and payments stopped. I started to get payment vouchers recently that I know of and did not know where they were coming from and what they were about. I did not understand when I went to credit report it said something about Citifinancial and bankruptcy. I recently wanted to refinance my home to take care of many medical bills that I have from the past 3 years and found out the loan has not been paid but it does not have the name of the company on it that is sending me the account statements. I will be calling them now but do not know what to believe or not. The company which I am receiving the account summary from is real XXXX XXXX   out of XXXX Texas. If you have any answers, I would appreciate them. XXXX XXXX

Company response to consumer: Closed with explanation