vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I had made a payment to barclaycard using XXXX XXXX 's billpay feature, received confirmation that it was delivered to / accepted by Barclaycard, but Barclaycard never applied the payment to my account. I've called and faxed both XXXX XXXX and barclay at least a dozen times over the last 4 weeks and no one has been able to remedy the situation. 

XXXX XXXX tells me that they've requested the payment be pulled back from barclaycard at least 4 times to issue me a refund, but they still have not received ANY type of response from barclaycard. 

I submitted 2 separate formal research requests to Barclaycard to find this payment and apply it correctly, and they still haven't found it / updated me after 3+ weeks. I've called barclaycard 1-2 times per week for status updates and their response has only been that they are still researching, and that they CAN NOT provide an estimated time to completion of the research request. 

As of now, I have no recourse or resolution for my {$4900.00} payment made to Barclaycard through XXXX XXXX and no one is able to help me. I just now got off the phone with Barclaycard again ( XX/XX/2020 at XXXX EST ) and they again have told me that there's no estimated time to completion / resolution of this request and that my almost {$5000.00} payment due on my card on XX/XX/XXXX1 is still due ( even though they are already in receipt of those funds since I've already paid ). 

I need help with reaching out to Barclaycard to track down this payment and apply it to my account. The general customer care line is unable to fix this, but I'm sure someone with knowledge of the XXXX XXXX bill pay receivables account can fix this within minutes. I have the exact time, date, and transaction number of my payment to Barclaycard from the XXXX XXXX payment receipt, so it's just a matter of searching the receivables account for that info and applying my payment. 

Thank you!

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WA

Complaint narrative:
Wrongful Miscellaneous Incidents reported on my background check it is reported on the day I got  filled for my new license online from XXXX so how did could there already be accident reported on it because I didnt even get my license in the mail another week so this is wrongfully reported accident on my records OTHER XXXX  XXXX # XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC.
State: NC

Complaint narrative:
Hello, I have a conventional XXXX XXXX backed loan that is serviced by Summit Funding. I  called them today to talk to them about mortgage relief due to Covid 19, and to go over my options. They informed me that my only option was a 3 month forbearance followed by a lump sum payment of 4 months of mortgage payments in one shot. I told the agent, who was very nice, that those rules would set me up in a bad position 3 months from now. I asked if their were any other options, he told me no. I was surprised and told him so. He actually told me that many of people have been calling in and have expressed the same concerns and that he and other agents there have gone to leadership to see if other repayment options can be offered such as a repayment plan or to put the payments to the back of the loan. He was told that the government backed loans ( XXXX and XXXX ) arent offering that and lump sums are all they can offer. 

This just doesnt sound right to me. I feel like the mortgage relief program due to a pandemic keeping our nation indoors and out of work is not normal circumstances and how can we come up with 4 months of payments 3 months from now. 

I think my loan servicer is either interpreting the program wrong or is not offering us the full program. Can you assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card is putting minimum due amounts on the app then what is different when logging from a desktop. They are ripping customers off the {$28.00} late fee by doing this. When asked for a waiver they indicate a courtesy waiver can not be issued. This is not a courtesy. This is their error. The app should match the same information the desktop does. I have a screenshot of what the app was asking for but when i tried to get my credit card information they have now taken my access because i told them i was going to file a complaint. My app was asking me to pay {$96.00} but the desktop was asking to pay {$130.00}. ( See screenshot of how much the payment was made for )

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 2020-04-15 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:
collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  all ftc violations will be attached

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 2020-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have asked them to stop contacting me. Instead I continue to receive 4 calls daily and from different phone numbers. They use different phone numbers to deceive. They also call my husband daily. I would like this to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX all ftc violations will be attached

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 2020-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
On Sunday XX/XX/2020 I Initiated a XXXX $ transfer from cashapp to my bank account ( chime ). Cashapp told me my funds would arrive on Tuesday XX/XX/2020. Cashapp took the XXXX $ from my cashapp & never deposited in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Every month I have to call Paypal credit because there is an issue with my account. XXXX 's statement showed I owed {$2400.00}. The correct amount owed was {$2300.00}, from two purchases on Easy Payments with 0 % interest. The difference is {$170.00} which turns out is from a credit that was not properly credited to my account per the representative I spoke with. The Easy Payment, payment due is {$130.00} a month, I had to make a payment of {$140.00} due to the additional {$170.00} showing owing on my account. 
This month 's ( XXXX ) statement shows I owe {$2300.00} and am now being charged interest. The Easy Payment items only total {$2100.00}, now a difference of {$150.00}. 
The monthly payment again is {$140.00}, higher than what the Easy Payment plan requires. 
If they ever get this straightened out, there will be an issue with allocating the overpayment amount. 
As I stated earlier, this occurs every single month since SYNCB has bought Paypal Credit.

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 2020-04-15 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 2020-04-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was charged {$1300.00} by XXXX XXXX for a flight. I have never ever even heard of this company. I contacted chase to inform them that I did not make or authorize this transaction i did not travel that year and did not have plans to! The worst part about it is i dont possess a passport to travel in the first place. They said they understood and would reverse the transaction that no other thing would be needed on my part. Then without notice i was recharged for it this week with no explanation and hung up calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2020-04-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: NJ

Complaint narrative:
A reverse mortgage for {$330000.00} was taken out on a home that was owned by myself XXXX XXXX XXXX and several other people without our permission. After the home was sold in 2019, there were almost no proceeds to distribute to the those heirs due to this loan. The loan was obtained through Reverse Mortgage Funding, LLC.

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 2020-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
This medical bill should not fall under my debt because I had my deductible met and out of pocket met at 100 % prior to the service date ( XX/XX/17 ) and the hospital allowed a XXXX into my XXXX  delivery without my consent and/or confirming he was in my network first. I have tried communicating with the debt collector and they were very abrasive and hostile towards me when I was trying to settle the debt. They have sent it into collections under both mine and my husbands name and have added over {$200.00} to the initial charge and wont give me a complete breakdown of what all of the charges are even for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WY

Complaint narrative:
I lost my job and my skills won't allow me to get a job until the economy opens again ; who knows when that be. I asked Chase to not allow interest to accumulate on my account. This must be done in order for me not to go bankrupt and suffering Chase for non-payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The undersigned, XXXX XXXX, is being named Defendant in a wrongful foreclosure lawsuit against him brought in the name of XXXX XXXX  XXXX, ( no address was provided ) allegedly as Trustee, on behalf of unidentified purchasers of so-called mortgage pass-through certificates, series 2006-AR6, of a non-existent XXXX XXXX XXXX XXXX ( not registered anywhere ) ( Case # 2018ca2401 Manatee County, Florida ). 
Attorneys for claimant ( s ), whoever they are, do not dispute that these " claimants '' have no relation to the alleged debt as they have never purchased it ( which is a clear requirement under Article 9-203 of the Uniform Commercial Code ), have never had it on their books as an asset or a liability, have suffered no damages, but are set to receive unlawful off-the-books profits from forced sale of the homeowner 's property ( and have already achieved that in thousands upon thousands wrongful foreclosures around the country ), and would stop at nothing to hide their identities with their counsel 's collaboration. The complaint, however, does state and make the Judge believe that foreclosure sale of the property is to repay the debt owed to claimants, which is not true. 
A case from Washington State, Cashmere Valley Bank v. State of Wash, Dept of Revenue, 334 P. 3d 1100 ( Wash. Supreme Court 2014 ) explains in detail investment certificates are not secured and not entitled to foreclosure. PLEASE HELP me personally and also forward it to Task Force Docket # XXXX to help thousands of of other homeowners being wrongfully foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I recently have submitted a Frad claim to HSBC and now they won't accept it!!! i'm not sure why during a time like this! COVID19 is our enemy and HSBC isn't helping nobody and Nobody should bank with this company!! I want the world to understand and see this and a bank like this is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. I pulled my credit and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$140000.00} XXXX  XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: WY

Complaint narrative:
I am requesting that you provide verification of this debt. 
Send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that there is a valid basis. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
I recently went over my credit report and I was shocked to see that there are some inaccurate accounts being reported on my credit file. Those derogatory accounts are not mine and I have no knowledge of those accounts. I have no knowledge of how someone would have access to my credit report and because of this, I have no chance of acquiring any new credit. Please conduct re-investigation into this problem and have those derogatory accounts removed off my credit file

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 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
In XXXX of XXXX it was brought to my attention that I was over insured on my residence by XXXX. I was paying almost triple the premium needed for my home and mortgage. My attorneys are now investigating where this payment issue started. We are trying to see if this request for insurance was the request of SLS, the mortgage company. In the meantime, I connected with SLS once the new new insurance was issued and my mortgage payment was reduced by almost XXXX a month. In additon, they informed me that they would be doing an escrow analysis and I would be hearing from them with the amount. 
On XX/XX/XXXX, a check was issued for {$17000.00} from SLS to me. 
The check was number XXXX. The check was never received by me. I called numerous times and finally on XX/XX/XXXX, I received a letter from SLS stating I had not cashed the check and would I like it reissued? I called immediately and they said they would stop payment and re-issse check. It would take 6 weeks. I offered my fedex account, wire, etc. and they said this was their process and mail was the only way. 6 weeks to the day I called again because no check. I even changed my adress to make sure I received the check. As a matter of fact, I received other mail from them including bills and statements. I called six weeks later because no check arrived! I was told that the check request never went through and they would put it through immediatley. Now it would take ten days! I called every week and then every day. Each time a different story. They would say they did not see a new check request, or it takes up to 4 weeks, on and on. Finally, 8 MONTHS later, on XX/XX/XXXX, I spoke to a represenative who advised me a check was issued and it was in the mail! She said she was looking at a copy. I checked the mail every day and it arrived 7 days later for {$10.00}, XXXX less! The check was for {$7600.00} without a letter, notice or expalnation. Imagine never calling or explaining. When I called and had to leave ten or more messages, and call very day before a call back, I demanded a supervisor and would be put on hold for over 40 minutes and asked to repeat the story over and over. I was told they made a mistake they should have never mailed the money. It was there error and this is all I was getting and they put the XXXX back into my escrow account. I asked what if I received and cashed the check in XXXX -- - NO ANSWER! This is unacceptable and all they were to be doing is issuing a replacement check. WHY did they take my money. I expected this money and need this during this finacial crisis. each time i call and get a suoervisor they say the escrow team is looking into it and they will call back at XXXX the next day -- NO CALL!!! if they do, we start all over again. PLEASE HELP!

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