vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On or about XX/XX/2020 we made a reservation for a XXXX in XXXX, XXXX and paid a deposit of XXXX to reserve the place which was going to be used to celebrate my XXXX birthday on XXXX XXXX. 
Then XXXX happened and we could not travel. We disputed the charge with my credit card company ( Barclays Credit Card Account # XXXX ) and the bank said that they could not dispute this amount because the merchant had no refund or cancellation policy that dealt with XXXX. 
While I understand that the merchant had a no refund cancellation policy that dealt with XXXX, I would like to appeal the rejection of this dispute on the grounds of extreme unforeseen circumstances, since no one really could predict this pandemic and no company was having a clause for this item back in XXXX when I booked the place. 
Given the current pandemic, there is no way we will be able to travel to XXXX for the foreseeable future. We have contacted the merchant on several occasions and were informed we would have a year to claim our credit. This seems extremely unfair and a breach of the original contract, considering that there is no telling when we will be able to travel in the near future, let alone to an international destination, that is currently devastated by an ongoing and uncontrolled pandemic. As you may know, Mexico has seen an increasing rise of COVID cases totaling around 408,499 confirmed, with some experts estimating the real figures closer to 7 million, given testing limitations. It is unreasonable to expect anyone to travel to this destination safely within a years time and therefore we will not be able to claim our credit and forfeit the full amount of our deposit. 
We sent a letter appealing the credit card company decision on XX/XX/2020 and Barclays Bank has not responded or resolved this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: DISCOVER BANK
State: GA

Complaint narrative:
I have had my identity stolen and I have contact the police and received a report and sent it to both Discover XXXX XXXX XXXXl. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NY

Complaint narrative:
I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I have been unsuccessfully trying to contact a human person at thiscompany for over two weeks. I have also put numerous requests thru the online system which also went unanswered. My concern is with my mortgage payment and I need verification that we will not be charged any fees for late payments. 

On XX/XX/XXXX, I mailed check number # XXXX to the company. This was for the Escrow shortage of the year. The check was for {$330.00}. As of today, this check has still not been cashed or processed. Secondly, on XX/XX/XXXX, I mailed in our monthly mortgage payment in the amount of {$2400.00}. This was check number # XXXX. 

After trying to get thru to this company and not being able to, I placed a stop payment on the check # XXXX and paid a {$30.00} fee with my bank to get this accomplished. I then completed a onetime payment on the website of {$2500.00} on XX/XX/XXXX so that our monthly payment would be covered, and we would not get a late fee. 

I then got notification that the check # XXXX has cashed! You can imagine my annoyance when this cleared. This check was returned, and I was charged a fee. 

At this time, the check for the shortage of {$330.00} has also been returned and we have a late fee on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Around XX/XX/XXXX, NationStar/Mr. Cooper took over the mortgage loan ; which was after Pacific Financial closed. Monthly mortgage statements are not always provided from NationStar/Mr. Cooper. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar d/b/a Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to the mortgage account. This unknown new payment processing method implemented by NationStar d/b/a Mr. Cooper, creates increases to the monthly mortgage amount, creates monthly overdue payments, creates monthly late charges with daily interest fees and monthly compounded interest fees, creates charges of legal fees, and creates additional charges for unauthorized/unknown services ; such as, property inspections, lender paid fees, etc. In addition, as a result of the aforementioned practices, the XXXX and XXXX Mortgage Interest Statements ( OMB No. XXXX Form 1098 ), the XXXX and XXXX Annual Escrow and Interest Statement, and the XXXX and XXXX Disclosure Statement ( Annual Disclosure Notice to Mortgagor that NationStar/Mr. Cooper provides contain inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase sent a document " Important Changes to Your Account Terms '' raising the penalty APR to XXXX XXXX  and imposing XXXX fees for late payment and return payment in addition to the Penalty APR. I called to protest that these are outrageous terms. Apparently, I have no choice but to accept them or close my account. In discussing the matter with the representative, he stated that Chase had to raise these charges to encourage people to make timely payments, given the number of people not paying on time due to the COVID-19 situation. I find this absolutely outrageous. Chase is adding to the misery of people who are out of work through no fault of their own. Appalling. You people need to get involved to persuade Chase to be a better corporate citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: GA

Complaint narrative:
I have had my identity stolen and I have contact the police and received a report and sent it to both XXXX and XXXX XXXX. They will not accept that I am telling it's not of my doing and now I can't refinance my house and I am forced to put it up for sale

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
The Bank charged me XXXX in XXXX fees on XX/XX/2021 when I had enough funds to cover all the charges. The bank has shady practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX, XXXX I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now ( XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to TransUnions PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and TransUnion has misled me with bad information in regard to getting it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied and was approved for Income-Based Repayment which as I was told by my loan servicer, which at the time was Sally Mae was the only step I needed to take at the time to work towards the Public Service Loan Forgiveness Program. I re-certified my income year after year to remain on this IBR plan and collected my Employer Verification forms for the ten years that I have continuously worked for 501 ( c ) 3 organizations as instructed by my loan servicer, which is now Navient. 
In XX/XX/XXXX, I attempted to submit those Employer Verification forms through studnetloans.gov as instructed by Navient but the system did not allow to do so. When I called Navient to inquire about this, they told me that I would need to send the Employer Verification forms to XXXX who processes all requests for Public Service Loan Forgiveness at this time. I faxed all the needed forms to XXXX on XX/XX/XXXX. I called to XXXX regarding receipt of this paperwork on XX/XX/XXXX and was told I needed to wait 30 days to confirm receipts of faxed communication. I called back to XXXX on XX/XX/XXXX and was told they had no record of communication from me but that fax communication may be delayed due to the holiday. 
On XX/XX/XXXX, after speaking to a customer service representative at XXXX and still being told there was no record of me in their system, I was transferred to a Public Service Loan Forgiveness Specialist in the organization who notified me that a denial letter for my application to the PSLF program had been sent to an old address that had been on an Employer Verification form from a previous employer. She stated over the phone that my application had been denied because I had failed to consolidate my Stanford loans into Direct loans when I originally began my income-based repayment in XXXX. However, never between XXXX and XXXX had I been notified by Navient that I needed to consolidate my loans into Direct loans in order to participate in the program, even though I had inquired to make sure I was on track with the PSLF program throughout my 10 years on IBR. During that time I was only told that as long as I made good faith payments on the IBR plan, I could apply for loan forgiveness after completing 120 payments. 
I asked the representative from XXXX to send the denial letter to my current address, and it is attached here. My conversation with the XXXX PSLF representative was the first I had heard about the need to consolidate by Stafford Loans into Direct Loans in order to participate in the program. At that time she advised me that none of the payments I had made on my IBR plan since XX/XX/XXXX would count towards the 120 payments needed to apply for loan forgiveness, but I was never given this information by Sallie Mae or Navient who have been my loan service organizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting XXXX XXXX Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have called Experian and XXXX multiple times to correct the personal information they are reporting on me over 60 days ago. Both times I called and spoke with a representative. Both times the representatives stated they would delete the incorrect information. After reviewing my credit report I see the incorrect information is still reporting on my credit report.

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 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi, I would like to file a complaint re this company who has been harassing me about a creditor who placed scary calls to me, my spouse and my niece re an HSBC XXXX loan ( car stereo ) amounting to XXXX and now saying that i owe them total XXXX. That i needed to pay them ASAP otherwise i will get a Summon this Friday XX/XX/2021. The guy i spoke with said that I now owe a total of XXXX and that i needed to pay XXXX if i want to settle outside court. They asked me to loan money from people so that i can pay that. Please the voice message below. I felt threatened and so is my family. They said that they sent a letter 6 months ago with settlement which i did not receive. 
This is an urgent message for .... name is XXXX XXXX. Some abandoned XXXX. My office has been retained to deliver documentation to your property address. This is regarding a pending complaint being ordered against XXXX. If no contact is established today, our field investigator will be dispatched to your property address and place of employment on record. It is very important that XXXX contact the issue Infirmed today at XXXX and refer to your complaint number XXXX If no contact is established with that issue infirmed today it can result as an order of noncompliance. And after this my final attempt, the documents will be filed as a failed action to serve.. Click here : XXXX to listen to full voice message. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
Purchased cell phone from XXXX and they are using T D Retail for the financing. This is a interest free account. When I opened up the account they gave the option for emailed statements, the failed to send statements the just sent a website link. I was unable to get in their website, wirh the link they sent, there was no contact information. I was unable to get payment information or where to send payment. I was out of town due to covid and wasn't traveling. When I got home I contacted T D Retail and payed the principle payments current and disputed the late fees due to their website issues and not emailing me the real statement as promised. They have not resolved my dispute they just give a canned response to call their customer service folks. They are unable to resolve the dispute and they can't transfer me to a supervisor or director who can escalate my dispute to. Meanwhile, I keep getting charged late fees even though the charges are disputed and I am paying the principal charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SCENIC OAKS FUNDING
State: CA

Complaint narrative:
I went in to sign the documents for the transfer of the home to my Dad.s name and the loan officer XXXX XXXX XXXX NMLS # XXXX told me not to make the current mortgage payment, he stated that since it was transferring to my dad 's name I did not have to make a payment. In good faith, I trusted him due to him being a professional in the mortgage industry. Taking his advice I did not make the payment. 
I then got a notification from my credit apps that my credit score dropped XXXX points due to late mortgage payments. I was so upset due to my goal of always having good credit. I always pay all my bills on time. I let Mr. XXXX know of the situation, he let me know he was going to fix it and to give him until XX/XX/2020. He told me this on XX/XX/2020. 
I later found out he opened an account with the jewelry store in front of the office he works at. Mr. XXXX took me as a fool and said he contacted the credit department to fix my credit when in reality he opened an account under my name with my social security number without my permission. This behavior is completely unacceptable. I was furious with his actions. I never gave him permission to do that and to top it off him lying to me and telling me to give him more time, I have text message proof that Mr. XXXX lied to me and opened an account without my permission. I have contacted his office manager XXXX at Scenic Oaks Funding XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX ( XXXX ) XXXX. They continue to make excuses to meet with me. I am completely exhausted in this situation and am tired and disgusted with their practices and behavior. 
I sold this property due to my goal of buying a house and getting a school loan at the beginning of this year. this is a huge derogatory mark on my credit and now ruined my goal to buy a home due to Mr. XXXX 's unethical behavior. 
I do have proof of what Mr. XXXX has done through text messages he has sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I've been a long term customer on auto payment with no issues since XXXX. I recently pulled my free credit report and it shows a late payment hits in early XXXX. DatesXXXX- XX/XX/XXXX. I have reached out to Capital One and had a horrible experience with how I was Treated and their expectations from me when nothing had changed with how I manage my accounts with them. 
Capital One had froze my account in XXXX and when I called to resolve the Issue, they were unable to assist with out me sending a copy of my FULL Social Security card to an email. This was after i verified my full name, address, card number and last 4 of my SSN. At this point I transferred my remaining balance to my new card with XXXX XXXX XXXXXXXX, I was not able to close the account. This was during the height of COVID when it was virtually impossible to get a hold of creditors. 

I hope that Capital one will reverse the XX/XX/XXXX and XX/XX/XXXX 30-day late hits with the Bureaus due to account issues ( through no fault of your own ) with the onslaught of COVID. 

Please let me know if you have any questions. 
Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: The Day Law Firm, LLC.
State: GA

Complaint narrative:
Attorney XXXX XXXX XXXX XXXX has filed an Order of Summary Judgement. Civil Action # XXXX and the XXXX XXXX XXXX XXXX ( State Court of XXXX county ), signed the order without a court hearing to plead my case. I am an essential worker, yet due to the pandemic my job has been affected with decreasing hours and affected employees which has resulted in being off and on from work. I am currently under Pandemic benefits program with the DOL cares act program. I have battled with XXXX myself, and recovered at home. I am the head of household and I am struggling to pay my living expenses .The law to garnish someone wages during this hard economic time should be denied. We can barely survive which has caused a heavy strain on anyone that is trying to work to provide support and services for the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: AZ

Complaint narrative:
On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. 
When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. 
From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. 
This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.

Company response to consumer: Closed with explanation