vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card with Synchrony Bank / Care Credit. I am unable to make payments currently due to being unemployed. I just moved to XXXX housing two weeks ago. I usually work a small limited part-time job in addition to collecting Social Security XXXX. I currently have no money for food or for the co payment on my prescription medication. I am utilizing a food pantry. I am just beginning to look for a small part time job that I am able to do with my XXXX in the new area that I now live. I have no money, because I used my Social Security to pay for moving expenses, rent, security deposit, etc. I can not make the payment of the amount that is due on my account right now. Synchrony Bank has been calling me four times per day and just sent me a certified letter that is still at the post office, and I have yet to read. I have talked to their representatives many times to explain the situation. I only get Soc Sec payment once per month, so I have no money until my next payment. I will not be able to pay the full amount due until I have a job. I am afraid that Synchrony is going to threaten to take me to court, yet I have no money and no way to pay right now. Please help with this harassment.

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 non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
An XXXX XXXX American Express card was attempted opened in my name. I received a denial from American Express as I had placed a freeze on my credit files. I did not apply for nor did I solicit credit. I called the number provided at XXXX and referenced # XXXX. I have since added a fraud alert to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ERC
State: IL

Complaint narrative:
ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.

I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.

Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At XXXX XXXX  on XX/XX/2018 I was advised by XXXX after dialing in to XXXX that he could not process my mortgage payment for me. While Wells Fargo has repeatedly lied to you about my case which involves their breach of federal and state law and has nothing to do with my mortgage directly XXXX told me that he can not take my payment for XX/XX/2018 BECAUSE of the lawsuit I filed against Wells. In fact and as a matter of law parties to civil litigation in California may freely interact without regard to their status as litigants ( XXXX XXXX, CA XXXX XXXX ). My lawsuit against Wells is available on XXXX ( XXXX ) and is filed in the XXXX XXXX of California. It is incomprehensible that the simple processing of a mortgage payment has been delayed because Wells Fargo is literally playing games because I had the audacity to sue them for breaking the law. This is absolutely unacceptable and I will also be notifying the media AND my elected federal representatives. You need to DO something this time to make them pay for being willfully ignorant.

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 2018-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a claim through Bank of America on XX/XX/2018 in regards to a fraud claim through XXXX ( XXXX XXXX ). I attempted to make a purchase with a vendor to purchase a phone I was interested at the time, in the amount of {$320.00}. I was naive enough to send this person my hard earned money, thinking it was a legitimate means of purchasing a secondhand product. The moment I sent the money, the vendor reassured me that she would send me the tracking number in regards to my order. The following day, the vendor blocked me from any attempts to contact them again, indicating this was an intention act.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I want to bring this attention to serious matter to your attention. I went to XXXX in XXXX, Delaware to open my XXXX membership on XX/XX/2018. The representative at the store did not inform me that a credit card account was being opened under my name in addition to the membership. This is an absolutely unacceptable and fraudulent sales practice. 

I'm requesting the following resolutions to rectify my issues. 
1. ) Withdraw my Costco credit card application 2. ) Remove the credit card and credit inquiry from my credit bureau 3 ) investigation of this incident and ensure this would not happen again XXXX Membership # 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 non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
On XX/XX/2018 I sent via overnight mail at my expense a guaranteed cashiers check in the amount of XXXX to satisfy my monthly principal and interest. On XX/XX/2018 I received notification from XXXX that Seterus received the guaranteed cashiers check. As of XX/XX/2018 Seterus has not applied the guaranteed funds toward my mortgage principal and interest. Seterus is willfully trying to cause my mortgage to be in late payment status.

In addition to Seterus not applying a guaranteed cashier check their have been two other instances where Seterus has not attempted to apply payments that have been sent. 

On XX/XX/2018 I attempted to make a payment through their on line payment service for {$2300.00}. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/2018 I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XXXX due date. Seterus once again did not accept the 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 2018-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX is showing a missed payment from XXXX of 2012 - payment was not missed or notified of missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. Despite all credit agencies having the same account information, it appears Experian is disproportionally charging me with two erroneous delinquencies, thus unjustly impeding my credit score. It is clear by the 18 point difference between XXXX  and Experian. When speaking to the Experian representative on XX/XX/XXXX, she cited XXXX XXXX with account number XXXX as one of the erroneous two delinquent accounts circled on the enclosed page. Despite the other two agencies enclosed not citing any other delinquencies, Experian chose to cite this company even though it has not been servicing my loans for several years, and has been transferred and sold to XXXX. 

The customer service representative was abrupt and evasive when trying to explain why I was being treated differently than the other two credit boroughs. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX XXXX XXXX, and my current education loan through 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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Id like my inquiry looked into in regards to my Citi bank XXXX credit card. I noticed on my last statement that my APR went to 29.99 % up from the previous rate of 17.24 %. I tried figuring it out and did not see any late payments on my statements. I called and spoke to a very rude and sarcastic representative from Citi. She informed me that I had no late payments and would keep looking. She then started saying missed one here, missed one here and so on. I interrupted her because I got defensive and said What do you mean I missed one? She then stumbled to try and explain that I was in a penalty APR because I didnt make my payment in full. I said I was aware a couple months I did not make the full payment but when I realized it I paid the extra. Before the due date. She then stated Well because you have 5 times of this happening within 12 months we are raising your rate. I am beyond baffled. First of all Citi is the only credit company I have seen that changes its minimum payments by almost cent each month to almost catch customer off and enforce this very sneaky policy. A policy that exists for the sole Eason of them raising their rates. This coming off a recent case you won on behalf of customer because they refused to check customers account for rate adjustments. At any rate I did get a little rude because I feel I m being cheated as a consumer. I get it they are there to make money but at the same time they are. Simply because I didnt make the full payment due in one payment they are penalizing me by DOUBLING my APR when I have NEVER had a late fee. I could understand if I was late and they had late fee to prove it or if I was past due but that is not the case. I want my original APR reinstated.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Card is showing a missed payment from XX/XX/2018 - payment was not missed or notified of missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : 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 2018-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is an amendment to compliant # XXXX. Additional information attached and documents I've provided to Wells Fargo as they requested.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citi by phone on XX/XX/XXXX and requested a replacement credit card for a new card ( ending in XXXX ) that was never received in the mail after being approved for it. I was told that a card would be expedited. I then called Citi back on XX/XX/XXXX and was told once again that a card would be expedited to me. The card never arrived after attempt # 2. I then filed a complaint with the CFPB. I was then lied to once again on the attempt # 3. On XX/XX/XXXX, XXXX XXXX from the Executive Response Unit stated in writing that a card was expedited to me on XX/XX/XXXX. It is now XX/XX/XXXX and the card still has not been received after 3 different attempts. How is this normal? 

My step is legal action as I was never able to take advantage of something that was advertised to me. Telling me I only have until XX/XX/XXXX to do a balance transfer is unjust ( and illegal ), especially since I haven't been able to utilize or take advantage of the offer. 
I have never had this issue with XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, or 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 2018-12-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a membership with XXXX, and on XX/XX/2018, I ordered my three credit reports and scores. We called Equifax on XX/XX/XXXX to inform them my credit report dated XX/XX/18 indicated that I had a score of XXXX. I spoke to a customer service representative who promised to give me my score once I paid the {$7.00} fee. After erroneously having my debit car charged twice, he informed me that I would receive my score in 10-15 business days. I then asked for a supervisor who essentially confirmed to me that a score of a XXXX was correct and Equifax was unable to calculate my current, accurate credit score. After being placed on hold several times, the supervisor promised that she would call me back with a solution and correct credit score. She even promised to email me, and gave me a confirmation number of XXXX. I was NEVER called or emailed. I still do not have a Equifax credit score. 

Finally, it is very disturbing that all three credit boroughs do not accurately reflect the number of my open accounts. I have only four open accounts ; two XXXX XXXX revolving accounts, a XXXX Auto Loan, and my current education loan through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: NY

Complaint narrative:
Trans Union has refused to update my credit history with XXXX XXXX the balance is paid in full.

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 2018-12-29 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: HI

Complaint narrative:
My student loans were placed in a " forbearance status '' after I requested assistance in XX/XX/2018 due to temporary financial hardship. On XX/XX/2018, credit monitoring service notified that I was 90 days late on 3 student loans. After contacting XXXX XXXX, they stated that the account was currently in " forbearance status '' but had not previously been. This issue seems to be a clerical mishap and is greatly effecting my credit score as the single payment was distributed/reported to 3 individual loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX  sold our HELOC to Rushmore Loan Management Services. The communications from XXXX XXXX were minimal and came late in the process. XXXX XXXX has also not provided any customer support during the transition. 

Rushmore LMS failed to provide us with checks for our HELOC once it took it over from XXXX XXXX XXXX. We have therefore been unable to make any payments drawing on our HELOC. We are facing late charges because we can not write checks against our HELOC. 

Neither Rushmore nor XXXX XXXX has been at all helpful in solving this problem. In fact, we have had great difficulty even reaching customer service at Rushmore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Io, Inc.
State: MD

Complaint narrative:
There is an account on my XXXX credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to XXXX on XXXX XXXX. However this account was never on my XXXX credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to XXXX at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with XXXX about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
Hi, I am disputing the accelerated loan charges 10k ish in total, as we were only late as we assumed all along we would get the loan modification due to PNCs manipulation. We have a close date of XX/XX/XXXX in the house to pay back the entire balance and avoid foreclosure, and PNC is not working with us as they are trying to still proceed active foreclosure. We have a signed contract and will close as I said, XX/XX/XXXX with the loan balance being paid off.

Company response to consumer: Closed with explanation