vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called XXXX and XXXX XXXX Comenity Bank ) to pay off the promotional balances that were going to be due very soon for the amount of {$3800.00}. They include : Promotional Amount Balance XXXX XXXX {$390.00} XXXX XXXX {$290.00} XXXX XXXX {$180.00} XXXX XXXX {$29.00} XXXX XXXX {$1400.00} XXXX XXXX {$610.00} XXXX XXXX {$290.00} XXXX XXXX {$550.00} XXXX {$3800.00} I spoke with a customer service representative who assisted me with the payment and who assured me that there would be no issues. The reason I called a service representative instead of making a payment online was because I had requested a forbearance in XX/XX/XXXX because I was laid off due to COVID-19. Therefore, I had no payment due in XX/XX/XXXX and wanted to make sure the {$3800.00} payment would be applied to the promotional balances that were expiring soon ; especially since I am aware that with multiple promotional balances, Comenity Bank applies payments in a certain order. 

The only reason that I was able to pay that money was because I received my family 's stimulus check and made a smart decision to pay off these promotional balances since I was not sure when I would find work again. I have called numerous times to fix this issue but it is never resolved. I am told that the money was applied to a promotional balance that expires in XX/XX/XXXX XXXX XXXX ). It makes no sense for me to send that much money to pay off a balance that is due more than 3 years from now when I have promotional balances expiring in a month. 

If my payment was not going to be applied for what I requested, I should have been informed during the call. I was told my requested payment would be applied to the mentioned promotional balances and that did not happen. Please help. 

I included XXXX files. 

The file titled Confirmation Payment Letter is proof that I made the payment over the phone and spoke with a customer service representative who assured me my payment would be applied to what I had requested The file titled Promotional Balances Payment Originally Requested shows in detail the promotional balances that were discussed to be paid The file titled XX/XX/XXXX statement is for ease of reference and has the promotional balances mentioned on pages 4 and 5.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
On Wednesday XX/XX/2020, I received a call from Ally Financial Post Bankruptcy Department. I indicated to them that i need and wanted to keep the vehicle and resume making regular monthly payments ( {$670.00} Per Month ) They indicated to me that i would have to make payments of {$1100.00} for the next 4 months and then the payments would resume back to there regular monthly payments or they would repossess the vehicle. Due to COVID-19 we have been on unemployment and with the extra unemployment benefit that expired i am unable to afford {$1100.00} a month with a weeks notice or a threat of repossession. I return to work on XX/XX/2020 and i am behind on all bills, Not just Ally Financial? Ally Auto graciously did a forbearance, But if you did not have the money during the forbearance, How would you have all the money at the end of the forbearance? Also, This vehicle is vital for us to get to and from our jobs starting back up on XXXX after being on unemployment for month 's due to COVID-19 and no fault of our own.

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 2020-08-21 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: PA

Complaint narrative:
I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from XXXX XXXX. I have never had a XXXX  XXXX flexible spending account as stated on the report. I called XXXX XXXX XXXX. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at XXXX XXXX  were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called equifax and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from equifax stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called XXXX  XXXX, they could not locate an account number with the last 4 digits XXXX. So, how was equifax able to do so. Equifax fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. XXXX XXXX was never able to locate any account when I contacted them directly. I am stuck with no answers from XXXX XXXX or from equifax. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or equifax has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance 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 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received notice of CAPIO PARTNERS in debt collections on my credit report. I was previously trying to dispute the errors with the previous collectors who did not send any verification of debt and would not provide me with documentation. I sent a verification of debt request on XX/XX/2020 to CAPIO PARTNERS and have not gotten a response, when reaching out the company was hostile and i believe that payments were made previously before being thrown in debt. It is inaccurate and dropped my score immensely. I never received a 180 notice to even have a chance to reconcile the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Our Loan is with Navient. We have never missed a payment on the load. We may have been late a few times but never missed a payment. 
I made the payment on the morning of the XXXX. My Son who has the loan has gotten 2 call from them and I myself have gotten 2 calls from them before XXXX on the XXXX even through we have already made the payment. They keep calling and hounding us for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am appalled with Freedom Mortgage and the lack of communication along with disclosure for a recent loan refinancing at my property at XXXX XXXX XXXX XXXX. I spoke to XXXX XXXX ( Salesperson and Agent ) at Freedom Mortgage with an interest of a refi on a VA loan wherein I was to keep my place in the term of the loan, but reduce my interest rate from 3.25 % to 2.37 % which I agreed to. I signed a closing disclosure during the course of the contract presentation showing that my costs were to be {$3900.00}. I accepted that bi-lateral contract and electronically signed the document for closing. I was contacted later to set up a closing date which I accepted to be XX/XX/2020. 

The notary brought the necessary documents to my home on XX/XX/2020 for signatures and authentication. When he got to the Closing Disclosure, I noted that there was a stark contrast in the closing costs. My original agreed upon closing cost was {$3900.00}, but the document presented was {$6800.00}. 

I want to be made whole for the time that I took to go through this engagement which my wife took off from work. I also want to go on record that Freedom Mortgage unilaterally changed my closing cost without any disclosure to me or any amended offer. I feel like the tactic is a 'Bait and Switch ' wherein I was induced into accepting one thing and delivered another. The final cost was a difference of {$2900.00} I want to put this out there for all to see because I have been a long standing customer in good faith who pays my bills on time, and I am a veteran who accepted to defend our constitution. 

I want Freedom Mortgage to extend to me some complimentary offer monetary or something of extreme value to make this right. 

I may be left no choice but to give this over to a Real Estate Attorney or the Attorney General 's Office to let them know about this type of practice.

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 2020-08-21 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
It's a {$170000.00} loan my ex wife has thru our divorce. I signed the house over in the divorce. I've tried putting in a dispute when i saw it on my credit report. I have no ties to that house. I did try contacting the creditor, left a voicemail and still haven't gotten any responses. It's thru nationstar/ mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX I just want it off my credit report. Like i said, i signed the house over in XX/XX/2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
State Collection Services Inc. 

XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} All show open status, derogatory Mark 's, zero amounts owed, remarks on Credit report state XXXX Bankruptcy Chapter XXXX. I have contacted them thru multiple letters and emails to please close accounts and provided proof of my Chapter XXXX Bankruptcy as of XX/XX/XXXX. As of XX/XX/XXXX, over a year now ... ... all are are still listed on my credit report. I'm unable, at this point to seek further care from these medical professionals due to these still being listed as BAD DEBT on my medical accounts. All because State Collection Services Inc., has not provided their clients with my updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I called Chase Card Services and i requested that my minimum payment for XXXX be {$0.00} due to Covid. I was assured by the representative that my payment due was changed to {$0.00} and not making a payment would not charge me fees and NOT make my account past due. 

I was shocked to learn that this was never done by the representative and i was indeed charged a fee and my account history of never ever missing a payment was blemished with a 'late payment '. 

I contacted a supervisor about this and was informed that somebody would look into this and correct the error but this was never done. I then contacted the Executive office and opened a case number XXXX and provided date and time stamps for the call. 

I was mailed a letter from the executive office stating that they did find misconduct on the part of the representative from XX/XX/XXXX where my payment was not made {$0.00}. No callback was ever provided as requested and now my account still deceptively reflects as past due. 

I believe these practices are injurious to me as a consumer and are unfair, deceptive and abusive. I believe the bank has tarnished my consistent history of never missing a payment and the standing of my account. Despite finding a fault on their end stated in writing on the letter mailed out with respect to XX/XX/XXXX, the bank has failed to rectify the issue and continues to injure me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Mortgage applying process was such a nightmare with citibank as first time home buyers, that costed me my savings, time, energy caused me immense mental and physical stress and at the end we found out that my loan was denied which lead me to lose my dream home. 

I started my new home loan application with XXXX XXXX with Citibank in CT as referred by another realtor. To start with, everything was on the phone because of COVID so i emailed all the pre approval criteria ( all the docs they needed to start my paperwork ). 

On XX/XX/XXXX my conversation started all via emails when i had a pre approval letter with more documentation. 

On XX/XX/XXXX I received my welcome letter after a immense efforts to reach my contact person ( XXXX XXXX ). 

On XX/XX/XXXX a day before our closing on XX/XX/XXXX, we tried to call XXXX XXXX to know whether everything good as planned and that is when I accidentally found out that my loan was denied. 

Earlier Citibank personnel assured that all the paperwork is in place and I had nothing to worry about, so I terminated my lease to my current apartment accordingly to move into this house as planned. We underwent the inspection, appraisal, title ( with our attorney ) which cost us quite a chunk of money. Just before the closing date, I happened to call XXXX and at that phone call he mentioned that I was denied, and at that moment I really felt scammed, ridiculed & humiliated. They cornered me to put more money down to get an approval even though I was upfront with them from the start that this is what I can afford. 

Finally I dont have a home because of Citibanks incompetency, lack of communication, irresponsible people that had no remorse but were just pointing fingers and no denial letter till XX/XX/XXXX for me to present to my attorney or to the listing agent. We would like someone who could help us and look into to this situation, so that no one ever has to go through such an ordeal again.

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 2020-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: NC

Complaint narrative:
Starting XX/XX/XXXX ( new employment ) Netspend mailed unauthorized card to XXXX XXXX XXXX XXXX, NC : this was not a card with appropriate funds as account. New card was mailed to same home address but unknown last name, was not activated. 
XXXX, new employer & email was reported to CRA. Very close to actual employer, yet falsified. Email & activation were never attempted or known by me. 
XXXX was then purchased for 1 year. 
Email account used XXXX XX/XX/XXXX ) blocked & unsubscribed from Netspend. 
New emails were received as spam in new education email address now in XXXX. 
New card to activate, in my name was mailed to my address XXXX XXXX XXXX XXXX, XXXX, NC : this was not purchased, not knowingly contacted by Netspend other than activation email, not known if funds are finally available or past issue is resolved. 
Card currently in dispute : XXXX Account currently in dispute : XXXX XXXX : XXXX Acct : 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 2020-08-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from Capital Bank. I have never had a capital one flexible spending account as stated on the report. I called Capital One bank. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at Capital bank were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called XXXX  and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from XXXX  stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called capital one, they could not locate an account number with the last 4 digits XXXX. So, how was XXXX  able to do so. XXXX  fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. Capital One was never able to locate any account when I contacted them directly. I am stuck with no answers from Capital One or from XXXX. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or XXXX  has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I have requested a Pin number for my business account and not received one I have call the bank several times over the past 4 months with no reply. Nevada State Bank mail me a new card due to they did not put my business name on it took a month to get it. Then Nevada State Bank cancel that card it took another month to receive my new card. Its been over 4 months and i received the new card. I have requested a pin number several times for the past 2 months they keep sending it to another address in which i did not agree or ask to send it to. They mail my statements to the right address but cant mail my pin number to right address. One excuse after another. Poorly ran customer service. One lie after another lie with my Pin number.

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