vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020 I attempted to purchase a rower ( workout equipment ). While checking out the website appeared to have been hacked/fake. I called my credit card company immediately and reported the fraud activity. I told them that they should not pay that vendor/amount if it goes through. They decided to let the charge post, so I had to call back and dispute the charge a second time. On my third attempt at a dispute they told me that the vendor confirmed sending me a hot tub and there was nothing they could do about it. At this time I did get more information from Capital One as was able to do my own investigation. This scam is way bigger then me. I did not receive the item I ordered ( the rower ) or the hot tub they claimed I got but I did receive a fork and a spoon from XXXX, company XXXX, an underwear factory located on the first floor ( same company you see all over the news sending people seeds ). I submitted a 9 page report explaining everything including other claims from other consumers. I can not speak to anyone who can help me within Capital One and the merchant does not exist for me to contact directly. It is now XX/XX/2020 and I am still fighting this {$110.00} dollar charge. I urge everyone to not use Capital One they do not care about their customers safety, financial well being or their experience with Capital One. I really hope the CFPB can help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. Amt is {$450.00}, check # XXXX. QVC/Synchrony Bank continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, 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 monetary relief
Consumer complaint received 2020-10-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have two items sent to collection ( Equifax ) at the XXXX XXXX. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted XXXX and they told me its a problem with Equfax. I contacted Equfax and they said its a problem with XXXX Its been over 3 months. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear Support Agent : Thank you very much for your time. 

On XX/XX/2002 I applied for a Consolidated loan with Navient Loan Servicer. To date, Navient never consolidated the loans on XX/XX/2002, and are billing me for two loans and have named each loan Loan 1-01 Consolidation and Loan 1-02 Consolidation, with two separate interest rates, accordingly. 

XX/XX/2002 Loan Amount for consolidation : Loan 1-01 Consolidation : Unpaid Principal : ( i ) {$33000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-01 : Unpaid Principal : ( i ) {$100000.00} Unpaid Interest : ( ii ) {$3300.00} Unpaid late Fees : ( iii ) {$710.00} XX/XX/2002 Loan Amount for consolidation : Loan 1-02 Consolidation : Unpaid Principal : ( i ) {$28000.00} Unpaid Interest : ( ii ) $ __ Unpaid late Fees : ( iii ) $ __ Current 1-02 : Unpaid Principal : ( i ) {$50000.00} Unpaid Interest : ( ii ) {$1600.00} Unpaid late Fees : ( iii ) {$450.00} Current balance : {$150000.00} Current monthly balance : {$1100.00} Navient approved the two loans. The first loan amount was {$28000.00} and the second loan amount {$33000.00}. Totaling : {$61000.00}. 

From 2002 to date, Navient is fraudulently charging me two interest rates on two loan amounts that I consolidated. 

Help. 

Respectfully submitted, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My credit report has been incorrect for years. Each time that I move or get a new apartment, the same information appears. Each time it is corrected and the corrections are never applied. 

I sold my house in XXXX of last year. I had equity and it was wired to my new bank? Why do you still list me as paying a mortgage? 

I have not had a credit card since 2018. You have me listed for student and car loans. They are incorrect. 

I have complained numerous times and NOTHING EVER GETS FIXED

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 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
During the last week of XXXX, I spoke with a representative from National Credit Systems that stated my account had already been submitted to a lawyer and she gave me a different department. I then spoke with a representative that offered a settlement in the amount of {$1900.00}, however it had to be paid within a week. I explained to them that I did not have the funds and I was told then we cant help because its going to court. In an effort to still rectify the situation I called once I had the funds available, on XX/XX/XXXX, and I was then told that the account was back with National Credit Systems, and to avoid a judgement on my credit I needed to pay {$2600.00}. I again called the very next day and was told I needed to pay {$2900.00} for the same reason. At that point, I asked to speak with a supervisor and when I spoke with him he stated he has no control over what the creditor asks for, it that he would contact them and call me back the early part of the next week with a settlement offer. Well, that was last week and I never received a call. I called again in today, XX/XX/2020 and was out through to a voicemail on three different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My husband and myself refinanced or mortgage and paid off IN FULL our credit cards, on XX/XX/20. I have the cancelled check and confirmed with our attorney that the funds cleared on XX/XX/20. XXXX is {$450.00}, check # XXXX. XXXX XXXX  continues to charge me interest. They say I now owe {$600.00}. NEEDLESS TO SAY, MY CREDIT SCORE/HISTORY IS TAKING A HUGE HIT. I have been in contact with them continually but to no avail. Please help. 

Thank you, 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 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: GA

Complaint narrative:
I initiated an installment loan online for less than {$3000.00}. They are charging me over 30 % interest and the loan origination fee, I feel is in excess of GA law max rate.i can not find a license for this business to be doing these kinds of loans in Georgia. When I asked this company concerning the interest rate and the license, a representative told me that since they are an online installment loan originator, they are not governed by any state specific loan laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I received a cancellation notice from my homeowners insurance co, XXXX XXXX that the homeowners policy which was due by XX/XX/2020 was not paid and was being terminated. 

I attempted to contact Citizens One Home Loans, at two different numbers : XXXX for regular loan questions, and XXXX for collections. At neither phone number was a rep available to discuss this issue. 

I have left call back messages and secure messages, and no one is responding back to me. That escrow account has a high balance, enough to pay the insurance back in XXXX, and the taxes at the end the year. 

This is fraudulent activity on the part of Citizens One Home Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION

Complaint narrative:
In XXXX, we relocated to XXXX from XXXX and we opened a bank account at XXXX XXXX  XXXX XXXX, MA. We have been using the account for many years and we always kept it in good standing as our credit history demonstrates. In XXXX, we moved back to XXXX but we agreed to keep the account open. We informed the bank of our change of address and they updated our contact details in their system. We continued to maintain and access the account online without any major concern, and we continued to receive monthly statements that were mailed to us in XXXX. In XXXX, XXXX XXXX  was acquired by Peoples United bank. 

Following the acquisition, our online access was terminated and since then we have not been able to access our account online. I have contacted the bank several times and requested that they set-up our online access again to allow us to monitor the account and perform transactions, but we were informed that due to the fact that we don't have a residential address in the US we are not able to access the account online. They also informed us that would would have to take a trip to XXXX and visit the bank in person if we wanted to make any transaction or close the account. However, we continued to receive monthly statements by mail. In XXXX, we were informed that Peoples United bank would start charging {$3.00} per statement sent by mail and we've been debited {$6.00} per month since then. 

The inability to access our account and funds is a clear infringement to our rights as a customer of a XXXX XXXX. I have sent a message to the bank using their website informing them that we would log a complaint with cfpb but we did not get a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I have two items sent to collection ( XXXX  ) at the Simons Agency. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted Simons and they told me its a problem with XXXX. I contacted XXXX and they said its a problem with Simons Its been over 3 months. I want it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: SC

Complaint narrative:
I gotten a loan with Regional Finance in XX/XX/XXXX. I was making payments on time until I lost my job XXXX due to covid. I was months before I stated receiving unemployment due to my job closing down no one could reach anyone to verify I was laid off. Regional calls my phone day and and day out. I have try to make agreements, I have try to ask could they lower my payments being I'm on a very low income now with unemployment than what I was making on my job. They wont do anything but an deferral which is still causing me to be behind. I have XXXX children ages XXXX, XXXX, and XXXX. I loss my home and my car in a matter of months. The last thing I need is for them to keep calling me adding more stress. I made a payment for XXXX on today XX/XX/XXXX and they call me asking for another payment for XXXX today. I have explain my situation to everyone in that office and at this point I wan na just change my number and don't pay at all. Take me to court or do what you got to do. I have nothing, because they are aggravating and I'm doing the best I can. They act like they understand and they care but they really don't. calling me early in the morning and all day long. XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. They are all getting on my last nerves!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I have spoken to these people a few Times i have never had a crimal case in XXXX never been to this town in my life the last time i spoke to them i asked for the info and it was for a XXXX XXXX XXXX male and im XXXX XXXX XXXX male this company cant understand this and my dl number is one digit differnt but im not giving it to them they have the wrong person please stop sending me letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items 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 2020-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On tuesday XX/XX/2020, I was scammed out of all my money. I was called by this scammer who posed as a government official who said my identity had been stolen and in my name there are many properties and bank accounts and even criminal activity. I was told that all the accounts would be frozen and I had to pull my money out and convert to digital data through gift cards. I went to my Chase bank in XXXX. I said I needed {$20000.00}. They said they could only give me {$10000.00} and they called the Chase on the XXXX  side of XXXX and told then I would be coming to withdraw the remaining {$10000.00}. The scammer was listening to all the conversations. I went to the easy XXXX Chase bank and asked for {$20000.00}. The women said she was told {$10000.00} but would go ahead and give me the {$20000.00}. I pulled a total of {$30000.00} out of my account in 1 day and lost it all to the gift cards. Looking back, the bank should not have allowed me to pull that much out in such a short period of time in case of these types of scams where and individual is under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told by Santandar Bank that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program.

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 2020-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: C & M Associates Group, Inc.
State: IL

Complaint narrative:
Called claiming they were going to sue us over a XXXX year old debt in the amount of XXXX which we do not believe exist. States they will settle for XXXX other wise will go to court and garnish wages and sue us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
The account was opened onXX/XX/XXXX I believe the account balance history is inaccurate. My vehicle was repossessed and sold. I believe I was sold a lemon because the vehicle didn't last me very long. The account is several years old and should be removed from my credit report expeditiously. It would be a great blessing to my family and I.

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 2020-10-05 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: PA

Complaint narrative:
I was scammed for a puppy for my children. I did the transcation via XXXX. Bank of America messed up my claim numerous times. 
On XX/XX/2020 I made three transactions via XXXX for a puppy, not realizing that I was being scammed. Turns out I was scammed. I called BOA to tell them. The claim was done incorrectly. I called Monday, Tuesday, Wednesday, and Thursday and each representative filed my claim for scam incorrectly. Finally Friday a supervisor " escalated it. '' I called back the next day and was told the claim was done incorrectly and that they did it correctly. The next day another representative told me they were escalating and that the past two complaints were done wrong. I've called everyday this week and finally got it fixed, but it is too little too late. I was told if the scammers closed the account which is likely, I won't see a XXXX back. Had this been done correctly the first time, I may have had a chance to see some money back. Now its 5 days, and scammers are smart and the accounts are probably closed. I offered all sorts of documentation and BOA denied it all. Because of the negligence of Bank of America 's part, I am holding them responsible for the funds. I am demanding an account credit. Had your employees done their job correctly the first time, second, time or even fourth time I could have had my money back. I've been a loyal Bank of America customer for over 11 years and this is appalling. Each time I spoke to an agent the entire week, I offered entire conversations between me and the scammer to prove the scam. BOA agents declined. Friday XX/XX/2020 the supervisor finally gave me an email to send the entire conversations to them to expedite the process. This is a direct violation of UDAAP regulation. 
I want Bank of America to make right on what their employees messed up on. I was scammed, and each representative did the claims incorrectly which is causing me not to get the money back from 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