vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX has been reinserted onto my credit profile without notice as required by law. Please see attachment for further details

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Financial made an offer on their XXXX Page in early XXXX offering to help their customers through the COVID-19 crisis. Based on this offer, I made a request for a Credit Line increase. Despite a near perfect payment record ( one late payment ) with my Credit Card account, and a perfect payment record with my Auto Loan with Capital One, this request was denied on XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CT

Complaint narrative:
XX/XX/XXXX, I was in a car accident and ambulance services were provided that I didn't ask for or require by XXXX of XXXX XXXX in the amount of XXXX $ Between XXXX and XX/XX/XXXX I was in contact with XXXX  of XXXX XXXX to dispute bill because it was not processed through Insurance per my request. 
I gave them the insurance information and never heard from them or received a bill after that contact. 
XX/XX/XXXX I review my credit report as I do at the end of every month to verify accuracy. I find a debt collection account has been opened on XX/XX/XXXX through XXXX XXXX services for XXXX of XXXX XXXX for XXXX $ but wasn't reported to me until XX/XX/XXXX on XXXX XXXX. 
I wasn't able to dispute the accuracy of it through online services because XXXX XXXX reduced call center hours and there website dispute process was down to do Corona Virus. 
I was not sent a bill or given any paperwork between XX/XX/XXXX and XX/XX/XXXX notifying me I owed any amount to Phoenix Financial Services or XXXX of XXXX XXXX. I was not called and no message was left in order to contact them or verify the amount that is now in collections. I believe this is a violation of my rights, as I can't pay a bill i don't know that I owe and I have no way to contact them in order to pay it to remove it from collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: VA

Complaint narrative:
I received this bill today ( XX/XX/20 ), but I received notification through your site earlier this week that Cascade had closed something out, with no explanation of what it was. Therefore, I'm reporting this in case it's something different. However, the issue is the same as I reported a couple of weeks ago with XXXX XXXX XXXX XXXX. They're saying I owe this money, but it's been nearly three years, and, until today, I didn't know anything about it. I never received an initial bill nor any follow-up past-due notices. As far as I'm concerned, I do not owe this as I paid my portion of any and all bills I received from other organizations during the months following my hospital stay. Please verify that this is closed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
In reviewing my credit I found that Diversified Consultants was claiming that I owe {$830.00}, On XX/XX/2020, I mail a letter to them informing them that I am disputing the information and I would like them to send me additional information this alleged debt. 

After month past, and I did not received a response from them and I sent them a second letter asking them to send me information on this account. 

I would like to resolve this matter and I have tried to reached out to them on several occasions asking them to verify the information, If they can send me information that this account is mine, I would had not mine to set-up a payment arrangement or a settlement. 

I have reach out to another Debt collectors on a other Item I had on my report and they send me the information that I requested. A couple days later they provided me with the information, I later called them and set-up a payment plan and the account is now resolve.

Since, this attorney/ Debt collector has not been able to send me proof that this is my debit, I have given them a couple of months. 

I am asking that you help me, I am asking that they removed the incorrect on all three credit bureaus. 


Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: MD

Complaint narrative:
I lived in an apartment complex then named XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Sometime around the spring of XX/XX/XXXX, a representative visited me and said that they intended to renovate the apartments, and since I had occupied my apartment for ten year, it was slated for renovation. That year, I informed them that I was vacating the apartment in XXXX after ten years. 

I PAID MY RENT IN FULL. 

I vacated the apartment in XX/XX/XXXX. I was reviewing my credit report and noticed a derogatory comment from the successor company through a debt collector. They stated that I owed one month 's rent. I DO NOT OWE ANY RENT. There was dispute about the length of notice I gave them before leaving. I told them at that time that the notice was sufficient since they meant to renovate the apartment as told to me in the spring, and there were indications that they started renovating shortly after I left. The impression is that by not giving more notice they lost one month 's rent. No, they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I did a balance transfer for a 0 % rate with HSBC back in XXXX and just realized today ( XX/XX/XXXX ) that I've been getting charged over 16 % interest on it. I have never received a statement or a letter telling me I wasn't getting the 0 % and in reviewing finances today saw this. I attempted an online chat with the company then had to call twice and explain the situation having been disconnected the first time and was told that the offer expired XX/XX/XXXX but they didn't process it until XX/XX/XXXX which is why I didn't get the offer rate. I told them I didn't agree to paying the higher rate and someone should have contacted me to ask if I still wanted it processed. I paid it off immediately today after finding this out but want them to refund the finance charges as I've now been charged {$560.00} I wasn't expecting on this over the last 9 months. I feel as though I've been cheated and am blown away they could do this without notifying me that I would paying over 16 % on this, I never would have had them process this balance transfer had I known that. They said they can refund me {$26.00}, a half month of finance charges but that is it. I have asked for it to be further elevated but I'm not confident that they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
In XXXX, I had purchased a car through wellsfargo. I had the car for a couple of a years. I always had my own insurance. I hit hardship and my insurance lapse, I didnt renew it right away but was going to at the end of the week when I got paid. Of course with my luck, not even a few days after it lapse, I get into an accident and total my car. Go figure! I stopped paying on my loan and it went into collections and onto my credit. This was XXXX. 
Fast forward to this year ; I was aware of the lawsuit and was informed I was one of the many consumers who paid for cpi insurance without knowing. So I thought, if I had cpi insurance why didnt my car get covered? 
I didnt know what they decided on my case, So I called the cpisettlement hotline. They explained that the caulcalution they came up with was {$200.00} and some odd dollars and that they credited it towards my remaining XXXX XXXX+ loan balance. I asked how they came up with that calculation as well as asking why didnt the cpi insurance cover the loan and the cpi settlement hotline couldn't answer me and neither did anyone at wellsfargo.  I was getting the run around and spoke to 7 different people. Finally, a gentlemen at wellsfargo did however tell me that theres nothing they can do anyways because my loan was so old and that they are closing the account. Instead of answering my questions he said that we are now closing the account since we are finally now speaking to you and for XXXX tax time the XXXX XXXX+ loan will be a earned income credit for you and I would have to pay the taxes on that. 
I do not feel that was the correct and proper way of handling my case. I feel as if my car should've been covered through the additional coverage I was unknowingly paying for through wellsfargo. But according to them, I was paying additional on something that covered them, and not myself. It's ridiculous and it doesnt make sense.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA-a collection agency, put an old debt on my credit report as opened XX/XX/XXXX. The original creditor was XXXX fios-which first appeared on my credit report XX/XX/XXXX. It appears Eos is trying to make the 7 year clock start ticking from XX/XX/XXXX. I have disputed XXXX regarding the amount when XXXX put it on and now I have to dispute the length. I have read up on this company. Shamefully there are numerous complaints about them reviving old debts some as far as 10 years. I have not validated this debt with this company or agreed that I owed and would pay. I want them to take this off my credit reports and be held accountable for breaking the law. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I wrote a letter to Experian explaining that I was trying to improve my credit. In turn they intentionally tried to hurt my credit by deleting positive records from my credit report. Its absolutely terrifying to know that its people trying to harm others. 

The account they removed were XXXX/XXXX   XXXX  and 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 non-monetary relief
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)

Complaint narrative:
Since XX/XX/XXXX Mrs. XXXX XXXX me wife and my son XXXX XXXX XXXX XXXX XXXX mother passed away. My son has has been making the payments on the property while I was gone. Since XX/XX/XXXX I  have contacted Bayview and told them that the way the property is titled and since there is a Joint Tenancy filed with the local county and copies have been sent as well as copies of the will these people do nothing but talk about Probate the case. This does not have to be done. Since XXXX oaf Last year my son suffered a XXXX and also find out that he was a XXXX  XXXX XXXX  now on XXXX XXXX and I believe that the XXXX Bayview with the stress has caused us that they are the ones responsible for my son 's health problem. For my own purpose I am enclosing XXXX County Court Documents that show on XX/XX/XXXX I am a Joint tenant of the property and the property needs no probate. Also on XX/XX/XXXX My son XXXX XXXX XXXX XXXX and my wife XXXX XXXX XXXX are joint tenants. This XXXX  about probate and there lawyers since they lose cases in court all the time are idiots. I did talk with a nice lady at Bayview by the name of XXXX XXXX and she was looking into this. Also on XX/XX/XXXX I spoke to a Lady Named XXXX ID Badge XXXX and of that day was sending out papers. To this day XX/XX/XXXX I have gotten nothing more stories. Since Bayview does not follow Federal Law in offering Loan modification and I am sure that this matter should be resolved in 24 hours they will drag their feet. I have seveal offers from attorney to sue them that I have talked with but not retained. This company is a front for illegal activity and since I was a big supporter of President Trump I  talked with someone on his campaign staff and made them aware and when he gets the time maybe he needs to investigate this company. All I want to do is have the ownership by law that I have and get help with getting this resolved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I consolidated two large private student loans through XXXX   which select the loan provider as Navient. Their whole website is catered toward educational loans, so I was under the impression that a private student loan consolidation meant taking another private student loan out with Navient that would pay off the previous two loans and create one private student loan with a lower or averaged interest rate. However, now Navient is telling me this is only partially true. I called to inquire about this and they are saying my new loan is not a private student loan anymore but a consolidation loan which is a non-educational loan. They do not send me a 1098-E and say it is not tax deductible like all other private student loans. I feel that Navient never disclosed this information and is trying to prevent borrowers from receiving the benefit of a tax write off or any national laws regarding private student loans by recategorizing the loan as a non-educational loan, even though the ultimate reason for the loan was educational and all verbiage around the consolidation implied it was an educational loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Last year, someone stole my unemployment check from my mailbox for {$210.00}, forged my signature and the people at pnc bank cashed it. I reported it to pnc, unemployment, and the police. I gave PNC Bank the proof of the theft, the police report number, and everything was notarized. This was well over a year ago and they failed to reach out to me and make it right. On the check, there was no written data ; so was the teller in on it? I have so many questions and no answers. Last month while reaching out to them they said someone will get back to me at the branch where it was cashed ( XXXX XXXX XXXX in XXXX Delaware ) and still waiting on a response after multiple attempts to reach them through phone and email. I need my money back. Why are they giving me a run around?? Why not just make things right? Attached is proof of me reaching out. That's just through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I check my credit report with XXXX 7 days a week and I noticed it dont have a payment history and it reported a XXXX balance and no credit history at all ... and Im asking citi bank to update my credit report and my balance history and payment history please its been over 30 days and it still havent updated at all .... Ive been a citi customer since XX/XX/XXXX and Im asking them to updated it from XX/XX/XXXX until XX/XX/XXXX and second I have a pending transaction for XXXX XXXX  in the amount of {$220.00} on XX/XX/XXXX this hold havent released its been over a week and the merchant already released it on there end and citi said I have to wait 30 days and its not cool and Im going through some hard times

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 2020-03-28 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: NY

Complaint narrative:
Upon receiving my new XXXX Mastercard, provided by Barclays, I purchased airlines from XXXX to travel to XXXX in XX/XX/2020. Subsequently due to this Coronavirus pandemic and my advance age, I sought to cancel that trip with XXXX. However, using the only available online option, I found out that to cancel that booking the airline would charge me {$400.00} for the tickets which amounted to {$1600.00}. I attempted to contact Barclays by phone & by email subsequently, but to no avail. Based upon the specific stipulations on the credit card agreement, I informed Barclays to cancel the credit card since I was unable to obtain any relief from either XXXX & Barclays. The credit was returned to Barclays. However on XX/XX/2020, I received a new billing statement from Barclay in which a fee in the amount of {$120.00}, along with interest for {$37.00}, were assessed which brought the previous balance of {$1600.00} to {$1800.00}.

The airline companies & the financial institutions will be receiving large sum of monies from the {$2.00} trillion stimulus package which our president Donald Trump has signed into law, whereas there will not be any relief for me. 

According to President Trump 's Coronavirus Guidelines For America, there are certain specific recommendations for peoples in my age bracket : 1 ) If You are An Older Person, or have a serious underlying health condition, stay home and away from other people.

2 ) Avoid Discretionary Travel, shopping trips, and social events.

Barclays offered me no prior alternatives when I first contacted the via email, and their response was that they could not call me nor write to me to discuss my issues.

The coronavirus pandemic is no fault of mine & I am following Federal Guidelines not to travel, and Americans who are now overseas have difficulties to come back home, and many of those countries have closed their borders which include XXXX where I originally intended to travel in XXXX. 

I asked Barclays to cancel my account and to delete the charges since that I can not travel. On XX/XX/2020, I finally received info from XXXX about banking credits which they did not offer before, but for a very limited amount of time, while the interest charges on that credit card is a high 26.4 %. 

The financial institutions and the Airline companies should heed the Federal guidelines to assist consumers fairly in these critical moments caused by the coronavirus pandemic.

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 2020-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

Capital one XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 XXXX/XXXX  - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had a Modification on my loan with Chase bank that had something called a balloon. I was told that I would be able to renegotiate this at the end of the term. I tried to refinance and they said I didn't qualify. I tried to modify and they denied that. I am XXXX  and XXXX  XXXX and have difficulty with XXXX XXXX XXXX XXXX. This XXXX is documented. I was told that I would be able to keep making my payment but the bank won't let me so now I have a late payment and they said they would foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
XX/XX/20 account was paid in a settlement with ERC account still showing on my credit report.

Company response to consumer: Closed with explanation