vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was trying to pay off the balance in a lump sum settlement or get a lowered interest rate due to losing my job from covid-19 layoffs. After a month of not getting answers via emails, a chat system that was perpetually down, and an inability to get through via phone, I was told by managerial staff that there were no options for me. 

My care credit card gained interest at a 26.99 % interest rate for the month while I was trying to get a reply. I asked if they could at least work with me on refunding that amount accrued and was told there was " nothing they could do. '' I was also told that I could not apply for a reduced interest rate because it was " no longer within the promotional period '' of the purchase. 

This company has issued many letters indicating they will help people affected by covid-19 and yet they were unable to even respond in a timely manner to my basic inquiries. They also have not clearly posted the parameters anywhere that I could find to get my questions answered on my own. 

I am jobless, XXXX, was XXXX in a XXXX XXXX  last fall, and live alone due to an unfortunate XXXX XXXX situation I had to escape from. Any help is much appreciated. I can't be expected to pick up the slack on a company that isn't able to offer basic customer service as is posted.

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 2020-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: IL

Complaint narrative:
Company : Heartland ESCI Complaint : My Federal XXXX  loan was transferred from my university ( XXXX XXXX XXXX at XXXX  ) was transferred to a third part without informing me. I had it setup for recurring payments, and was receiving all of my tax documents via e-mail just fine. When it was transferred to Heartland ESCI, they informed me my account was due by calling my parents disconnected land line, so of course, I had no idea what happened, and my account when into debt collection. I did get a very supportive customer service assistant once I figured out the company was Heartland ESCI who helped me get a forbearance on the account in order for them to take it off my credit report. She literally gave me full, detailed instructions because she said there are a lot of small things people mess up on and then they end up paying and not getting it off their credit. Essentially, I mailed in a form, had to wait to hear back that they accepted the forbearance, and then I could start paying. They never informed me of the acceptance in a timely manner - they actually sent me a form saying my forbearance is up and my account was past due which was super confusing. So I paid the past due and the current due and setup automatic payments. 

I started getting letters in the mail every week saying I was past due. I assumed this was from before, but then I kept getting them. I signed into my account and every time on the home page it said I only owed the amount my automatic payment would be paying for on the date it was owed ... today I was basically told I was going into collections again, so after waiting to chat with an associate for 75 minutes (!! ) I was told I had to go through several breadcrumbs in their UI to see the past due amount. If you go to make a payment, it doesn't even come up as an option, so I'd have to copy and paste that amount from an old statement. It's absolutely ridiculous. Honestly, with everything that's happened with this company I just paid off my loan amount in full today. I can afford it - what I can't afford is to be penalized by this company again. I literally don't have the countless hours needed to sit on hold, make assumptions from poor UI/Website design, etc.. Honestly, this shouldn't be this hard to navigate. My university 's loan website looked like it was made in 1992, but it was pretty darn clear. So I'm not sure if this is just plan bad design, or if it's predatory. I genuinely can't tell and it makes me uncomfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: OH

Complaint narrative:
Recently I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( Trans UnionXXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the name as listed on the account did not match my name spelling or other identity indicators others could not provide me with any information about the alleged application because their firms DID NOT retain the information on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the facts that the information was either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct they declined to substantiate the claim and informed me I could file a fraud report If I WISHED! 

I submitted IN WRITING a Validation request under the FCRA title 611, this request was ignored by the creditors in question, when I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information. 

I have followed the letter of the law yet the credit reporting agencies have ignored and refused to address my legitimate problemcan you 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
Consumer complaint received 2020-05-11 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:
After reviewing my Transunion credit report I notice that an account under the name ( XXXX ) is being reported as closed and charged off. This account is being reported inaccurately which is a violation of FCRA rules section 1681. 

Notice in attachment ; : Account currently reports inaccurate last date of payment. A violation of FCRA rules section 1681 : Account currently reports inaccurate date Account was closed. A violation of FCRA rules section 1681 : Account currently reports date last updated in XXXX of 2020. Even though I disputed this account in XX/XX/2020. This is an indication that account has not been accurately investigated or verified. A violation of FCRA rules section XXXX. 

: Account does not report date of last delinquency as required by fcra rules section 1681. This is a violation. 


: XXXX does not appear on either XXXX or my XXXX credit report. This reporting is inconsistent that is inaccurate. A violation of FCRA rules section 1681 : This account is currently being reported as charged off. But still reports a past due balance. Under fcra rules a closed charge-off account may not report a past due balance. This is a violation of FCRA rules section 1681.

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 2020-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are transactions on my Capital One credit card that I need to dispute. Capital One has disabled it's online tool which allowed it's customers to dispute charges in their online accounts. Instead they are directing their customers to call their 1-800 number instead. For one week I have spent 5 hours on hold everyday trying to get through to someone but no one is answering the phone at Capital One. WHY DID THEY DISABLE THEIR ONLINE TOOL THAT ALLOWS CUSTOMERS TO DISPUTE CHARGES?? Why??? Why did they instruct us to call them instead but then they do not answer their phone? There is no LEGAL justification for this. You can not DENY SERVICE to your customers like this. It is against the law. What will the CFPB do about this??? Capital One is doing this intentionally. What is the point of having laws if corporations coninually are allowed to break the law with no consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
On XX/XX/2019 a fraudulent account was opened in my name at XXXX XXXX at XXXX XXXX mall in XXXX, AZ. TD Bank is the Financing Bank for their credit cards. This account was made known to me from my credit report I ran because there were numerous other accounts opened in my name in person between XX/XX/XXXX and XX/XX/XXXX. On this date, the thief actually came in the store the day prior to make purchases but had to return the next day because they came in the store too late and the banks would be closed to issue them a line of credit. The next day, they returned to make two purchases- one for {$2400.00} and another for {$3200.00}. My detective with the XXXX Police Department, XXXX XXXX, ( Case # XXXX ) was able to speak with the merchant and the holiday hired clerk stated they thought the customer was odd because they read their info for the credit line off of their phone, they spoke with the bank, and they approved the credit, so their hands were tied. When I found out about this account, I spoke with XXXX XXXX and they gave me a case # XXXX and TD Bank. They were very cooperative and actually were one of the few that gave me important details about the transaction that I was able to relay to the police department. After speaking with them extensively, I was told that I would continue to receive statements but to ignore them because I would not be held responsible for the payments. After continuing to receive them, I called TD bank last week and could not get through to anyone. I called back today and I was on the phone for 7 hours and 16 minutes, holding the majority of the time or being transferred to different departments. At times I was told that XXXX did not respond to my dispute in a timely manner so it was " timed out '' and I would need to start the process over. After talking to another person I was told that XXXX responded to the dispute that it was " legitimate because proof of receipt and purchase was shown '' so it was denied as fraud. This seems strange to me since I have a case # with XXXX and a Police court case # and also my Detective, XXXX XXXX, has spoken with them and also has video surveillance footage from this store of the thief. After being on the phone with TD Bank for 7 hours and 16 minutes today, talking with the " front office supervisor '' I was told she was the highest up person i could speak with, and my only options were to send in my concerns in writing to them and/or dispute it with the credit bureaus as fraud, since my case was considered " resolved ''. After having all other fraudulent accounts closed and wiped from credit and everything, this is the only account I continue to have issues with with not an acceptable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11 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:
XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 


Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$1100.00} written off. 
Status Updated XX/XX/XXXX - Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$320.00} written off. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$12000.00} Highest Balance XXXX XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$300.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} OpenedXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXXRemoval date : XX/XX/XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit Card - Finance Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2020-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened an online banking account with Citi on XX/XX/19. 
After accessing my account once or twice online, I was asked to submit a confirmation code ( presumably by text ) - except that I had given my home/land line number when signing up. I called and asked to have my phone number switched to my cell, but was told I'd have to wait 30 days. Since that time I have been unable to contact Citi. I've tried using their app, email, and standard/snail mail as well as calling several different numbers dozens of times. I've also tried accessing my account online again, but since I've never submitted a confirmation code it appears as thought my online access has been 'locked '. 
I have a balance that I have no access to, and have been unable to get ANY help from Citi.

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 2020-05-11 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In the Financial year 2019, I had Citi Double cash with Citi Bank and that's the only service of theirs that I used. For the year 2019, I have received two 1099-B with proceeds totaling ~5000 . Both have a description " XXXX XXXX XXXX ''. I never did any such transactions with Citi Bank.

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 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Hello. 

I am sending this complaint through this portal because I believe this is the best option to get a fair solution to this issue. 

LVNV Funding is playing with my rights as a consumer. The account information is teh following : account # XXXX, opened date reported XX/XX/2019, original balance {$2300.00}. 

Here are some violations to the FCRA committed by LVNV : 1. Double reporting 2. Reporting an incorrect opening date 3. Unfair business practices This is causing me XXXX  stress, and some other negative impacts on my health. 

Please send the attached documents to LVNV Funding. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sent out this letter to the company on XX/XX/2020 Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. 

Account reporting incorrectly Open account XXXX XXXX XXXX XXXX Please delete it I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors in their credit report, they have a right have them fixed right? I got this information from the FCT, and the CFPB. This correct information on my credit report is causing me problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 


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 explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid my credit card off in the amount of {$2500.00}. Iprior came back from the company saying payment not made. This happens like 3 times however on XX/XX/XXXX XXXX the payment was made with both myself the bank I do business with and Citibank the company holding the credit card for Home Depot. I made the payment however prior trying to paid by phone i sent them a pay bill by mobile check arrived to Citibank, and they posted that amount to may account too, which I did not owe anything. So I now have a credit. I immediately called the bank. They said they could not send the money back to the account I wrote the check from it had to be the one set up with the account pay which does not accept ACH payments. I told them that. But they insisted it wasnt an ach payment. 3 weeks later I have not seen a refund or a call from Citibank. So I called. They said my bank didnt accept ACH. Duh. So they said they had to mail it. On that day XX/XX/XXXX I was told it would take 7 to 10 days. The check never came. I have called them every 2 week. The last time this month of XX/XX/XXXX. XXXX. The woman said she would escalate it to the executive office. They would call me back. To remember we are on limited access because of the coronavirus. How can I help REMEMBERING. I have XXXX grands in my house and I needed my money to survive. We lost our phones cause we cant pay our Bill 's. We are about to lose out electric. Needless to say no one called. I called again on XX/XX/XXXX. I was told a check was going to be sent in 10 days. I begged them to please overnight. I even said did pay for the fee to express mail it. They do not do that I'm told. We verified my address again. They have told me they have sent it 2 times. I've asked my neighbors which it's a close neighborhood. If they got my mail they'd give it to me. So on the XXXX I called again and was told the check again was sent on XX/XX/XXXX. To wait until the XXXX of XXXX. Which is today. 
This has caused hardship. I want the envelopes showing the check returned. I do not believe they have ever sent this check. And I need help. My family is in dire straits XXXX 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 monetary relief
Consumer complaint received 2020-05-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have disputed XXXX XXXX XXXX  card for 2 yrs with XXXX, XXXX  and Equifax because I never had this card or requested a card from this company. Not only am I being forced to have this card on my credit report when its not mine and CHARGED OFF 25 TIMES, but also being FORCED to deal with the account furnishing inaccurate credit information. This account is charged off and closed. Charge off accounts are not to have PAST DUE balances, yet this account has a {$580.00} past due balance, 25 charge offs and last updated XXXX XXXX but really last updated Today from my current dispute notice. My next step is federal court to FRCA violation for inaccurately furnishing information, disregarding these disputes and knowingly continuing to report inaccurate information. The payment history is also incorrect. I NEVER had this credit card, especially starting in XXXX as the pay history indicates. This account is from XXXX. I now believe that this company is PURPOSELY continuing to report inaccurately to hurt me.

Company response to consumer: Closed with explanation