vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made purchase, an item from XXXX furniture down payment of {$1500.00}. XXXX cents by CITI Bank Card, and by the time the merchant told me, that, right now, we don't have in stack, you must wait, to received, at list, after 9 ( Nine ) Weeks, or more, I said ok! 
However, after, a few days, All of the sudden, I lost my Job, I had a mass disaster, affected my XXXX  wife and my XXXX ( XXXX ) little children, I have to canceled my recently, XXXX  furniture. Item by CITI Bank Card, and I call to XXXX, and I explain what happen, they said we are sorry about your job loss, we will help you right now the manager, is not around, we will conform you tomorrow. I said thank you but, Nobody call me back! 
for the second time, I call again to the merchant, still the same words told me by phone and then, I were suspicious, I decided, to talk to the merchant face to face. 
the 3rd, day I went to the store again, explain, what happen, I am so sorry, this is my Laid off paper proof after, long time employment, I have children, and my wife is XXXX  months XXXX  and I didn't even received, the furniture, even, not ready for shipping so far please help me,? I ask politely! then, one of store supervisor said to me " how about employees commission? " well I am sorry I have most, urgent, financial needs, first, Like, Bread, milk, rent. 
the merchant, said, we have to email to the store manager, her name is XXXX, her phone # XXXX we have to wait her decision! she didn't answer stay longer her response! I was frustrated about XXXX  customer service. 
I call my Credit Card Campany, CITI Bank I describe, the steps, that I have taken, to resolve the matter, with merchant. Based on my document I fax to my card issuer, all papers that I have, they accept my dispute and promised to me they will help me. 
finally, they told me unable to help you because, the merchant change the game and need you to pay {$890.00} Dollars, coast of product!!! 
Where is my credit card Protections? Please see my case, as based on a principle of fairness. Now a days, Being out off work for an known period of time is one of the leading reason and I need 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 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: IL

Complaint narrative:
I have been getting harassing call from this number XXXX for the last few weeks, leaving me harassing voice mails. The detail of the debt collector agent and  the contact information is, Reference # XXXX, Receivable Management Services XXXX XXXX, Agent, Operations XXXX ext XXXX # ( phone ) XXXX ( fax ) XXXX. Today when they called me again, I picked up and the agent introduced me her name as XXXX XXXX and she said she is a debt collector for a company called Receivable Management Services and that she is collecting debt on behalf of XXXX shipping company. She told me that I used XXXX service, shipped or received a package and that I didn't pay and that it is past due. I told her this is a scam because that I don't use XXXX  and didn't ship anything. They even had an address at which I don't live. She asked me for my email and sent me a fake invoice or something showing some amount due for using XXXX  service. I looked at it and I don't recognize that service or the charges and I didn't ship or receive package to and from that address shown in the invoice. She told me to call the XXXX number on the invoice which I did. The XXXX billing department I called don't even know what I am talking about and told me I should call back the debt collector to resolve this. I called and emailed the debt collector agent but she didn't reply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collections Acquisition Company, Inc.
State: TX

Complaint narrative:
My compliant is regarding USPS XXXX XXXX TX account shows delinquency on my credit report. As of XX/XX/2020, this account with USPS XXXX XXXX TX were paid in full. Please have Payliance Collection update account USPS XXXX XXXX TX paid in full on my consumer XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This happens EVERY TIME and I am sick of it! I carefully type in all my information and correctly answer their questions, but they refuse to give me my reports. 

XXXX  says they can not provide my report online, to send in a copy of my Social Security card and drivers license through the mail. 

Experian says " a condition exists '' that prevents them from being able to accept my request, and to contact them through the mail. 

XXXX NO I'm not doing that! YEAR AFTER YEAR AFTER YEAR I get these XXXX messages and I'm not tolerating it anymore! I am NOT going to risk my personal information getting lost or misdirected in the mail. This is XXXX, not XXXX! Given the EXACT SAME information, XXXX  gave me my report online just fine. If they can do it, so can the other two!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my Equifax report it is still showing my bankruptcy. It says I have no Bankruptcy on file, but it is using a 3rd party to pull it up on my credit report as a public record. My bankruptcy shouldn't be showing up at all on my report, it was in 2008. I am asking that this get removed. I tried to ask them to remove it for me, but was unable to have the option when I was on that page to try to respute, please let me know. I've suffered hard and long enough with this on my report, its not been 12 years and it needs to be gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: IL

Complaint narrative:
On XXXX as a veteran I was preapproved then subsequently given a closing date of XX/XX/XXXX. They asked me to pay the VA appraisal upfront which I did. On XX/XX/XXXX I was told the appraisal was not done yet and that everything was running smoothly. On XXXX they said the higher ups decided to change the credit score criteria and I no longer was eligible for a loan. They havent refunded my appraisal fee. I found out through the VA they lied since the appraisal was done on XX/XX/XXXX. They also lied to my realtor and my attorney. Their loan denial letter states I have delinquent payments which is not true. They are misrepresenting the fact I was denied because they changed their criteria. The managers have apologized profusely and admitted I was qualified and they also are not giving me access to my identity documents I uploaded on their app. The company is XXXX XXXX  XXXX through XXXX XXXX   XXXX. This has affected me greatly since I had already promised to vacate my current house in XXXX. I also believe the denial letter is fraudulent and all their denial letters should be audited. Bad business practice and a shame for US Veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I have been on a repayment plan with Fay Servicing starting XX/XX/XXXX for 5 months. I was submitting my payments biweekly through my bank via bill pay. The unoffical payment plan was supposed to finish in XX/XX/XXXX and my regular monthly payment started on XX/XX/XXXX. Fay Servicing did not post a payment in XXXX on time ( they said due to XXXX XXXX ) despite me having proof from my bank, via bill pay that it was sent on time. This caused the repayment plan to be broken. I spoke to a manager who advised me she would work on re-initiate the repayment plant and I should continue to make my payments. 
As of today, Fay servicing has been holding in " suspense account '' approximately {$4500.00} and have not applied those funds towards my mortgage payments. I spoke to a representative yesterday, XX/XX/XXXX who advised me that I was in preforeclosure and I should be {$2700.00} to bring my account current and they could only use the funds from the suspense account in addition to the {$2700.00}. I was calling to find out what type of relief incentives they offering right now to people that lost their jobs due to Covid19. He advised me that I was not eligible for anything due to the fact that I was in pre-foreclosure. He also advised that letter was sent to me in XXXX letting me know that I was in pre-foreclosre, despite the fact that I had two full mortgage payments on the suspense account. 
This company is purposely keeping my money in suspense account to make sure I go into foreclosure. I advised the representative that I am a XXXX XXXX  and had XXXX last year and underwent several XXXX, which is I why I fell behind in XXXX. I tried to do a loan modification with Fay servicing, but hey denied me. The only thing they could offer me was a repayment plan, which I honored. The mistake was on their end and I have the proof from my bank with my bill pay report to prove it, but the representative was so rude and was not listening to me. He just reemphasize the fact that I just had to be the {$2700.00} and that was it. Now with Covd19, I want to make sure my affairs are in order in case something happens to me. I am an XXXX  XXXX  at a XXXX XXXX XXXX XXXX  in XXXX. I just started my regular full time schedule in XX/XX/XXXX, after my last XXXX in XXXX. 
Fay Servicing is a unscrupulous company with no compassion for its customers. I try and try to find a solution with them, to no avail. Each representative tell you something different on your account ; they do not take the time to reach the previous note.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 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: SC

Complaint narrative:
My true name is XXXX XXXX XXXX. It has been crossed by the credit bureaus, specifically XXXX  and experian. I went before a judge, showed him my birth certificate, my ss card and my driver license, all with the name XXXX XXXX XXXX on them for years, not just recently. All the authorities, police and sheriffs, know my true name. I have been a victim of id theft. XXXX  on my social security number, put back on my ss # all the fraudulent accounts, experian placed all the fraudulent inquiries and an XXXX XXXX account and inquiry back onto my ss #. This is illegal and against the law. Please take notice, do not let these CRA 's get away with being criminals and break the laws of ID theft with no punishment.

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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have three separate credit card accounts with Synchrony Bank. 

Amazon.com Store Card account ending in XXXX PayPal MasterCard account ending in XXXX Lowes Advantage Card account ending in XXXX On XX/XX/2020, Synchrony abruptly and for no reason at all, closed all three of my accounts. See attached letter that was sent to Synchrony Bank, and closure letters that were sent to me. This can also be shared with Synchrony Bank in this complaint. 

Sincerely, 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 2020-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today, i checked my recent statement and found my APR has not been changed since XX/XX/XXXX. I was acknowledged that recently prime rate has been moved down several times. I was surprised, because i thought i was quite good card user so far. So, I Opened chat customer service and asked the reason why my apr still remains same. The first agent, i talked with was XXXX. She said my current apr was evaluated by the factors of creditworthiness, payment activities, time of opening. After reading her words, I was confused, because i have been using this card since XXXX, im sure my credit is not bad, and i was a very good card user. But her words were like criticizing all mine of listed above. So, i wanted exact explanation for it. She kept replied me back she understood points of my inquiry and she would explain, but she just informed my current apr and that was all. even i couldnt see any apologize for her words before i asked her for it. I was bit upset, and requested her to escalate this matter to leadership and join her supervisor to existing chat. I need specific explanation for the next time. Some factors that i missing can affect my credit card activities, and i dont want affect my credit card activities. Her supervisor, XXXX joined the chat. Chatting with him was worse. He mentioned that my current apr is the one that lowered prime rate already applied. So i asked back, the reason why my apr moved to opposite side of prime rate. As prime rate goes down, then whole apr from lowest to highest move down as my knowledge, but in case of my apr remaining same, my apr went up for some reason. Then, he mentioned my onetime 30days late payment, and my current revolving balance lead higher apr. i didnt know even i paid late, but i knew that late payment fee can lead higher apr. however, i couldnt accept my current revolving balance ( 25 % from total credit limit ) can lead to higher apr. This was very new to me, paying in full does not accrue any financial charge, but not paying in full has been leading my credit card to higher apr so far. After pointing out this point, XXXX suddenly changed his words, and nothing affected my apr..and he said like i was asking lowering my Apr. I swear i didnt. Few days ago, i contacted amex for financial relief for the customers impacted by Covid19, for this time, i was just inquiring. He might told me like that as he read previous my request, and take care of my inquiries like asking lowering offer. I didnt request and i dont want it. If i have to pay apr, i will pay, he was out of point. As a result, i couldnt get anything from this chat. I apologized to hold the customer service team too long. However, id like to escalate this to leadership for lack of professionalism. I want to receive regarding this matter as letter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
At the end of XX/XX/XXXX, I noticed that there were a few charges on my card that I didnt authorize for XXXX XXXX XXXX. I called customer service to dispute these charges due to being out of the country and the representative told me that these charges started in XX/XX/XXXX but that she could only dispute the charges going back 60 days. My current card was shut down and I received a new card in the mail. On XX/XX/XXXX, provisional credits were applied to my account totaling approx. {$450.00}. A week later I found out that a former friend of my daughters wrote took my card information while she was with my family and had made these purchases. I called customer service, explained the situation and asked if I needed to make a police report with the information I found out. The representative told me no it wouldnt be necessary, so I didnt file a police report. On XX/XX/XXXX, the card issuer debited {$380.00} from my account stating that the inquiry showed that the transactions had the correct card number, my zip code, and 3-digit code on the back of the card and that there were earlier transactions from this merchant. Even though I explained the situation, I was told there was nothing that could be done. When I looked back at my bank statements, the charges started in XX/XX/XXXX. In XXXX and XXXX, the charges were less than {$50.00}, which explained why I didnt notice it, and then increased the following month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Three complaints : 1. The online access to my account at Wells Fargo was blocked due to unusual activity. Calling them to find out what the issue was, I was answered I had to ID myself personally at a branch. I explained I was living overseas, and the polite lady answered there was nothing she could do. 
2. No online service? OK, I tried the old fashioned way : On XXXX I faxed a funds transfer instruction ( which is a valid substitute for a check ), to the XXXX XXXX, XXXX , MD. , branch. It was not executed. Calling the branch, I was explained I had to ID myself at a branch. So now even a signed instruction is not good enouth. 
3. What to do? I decided to complain to Wells Fargo HQ, and emailed them ( today ) my issues, adressing it to the email adress showing on their site ( XXXX  ). 
And guess what - they wouldn't accept messages. It was returned to me undelivered.

These are my three issues. Thank you for your 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 2020-04-04 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: CL Holdings LLC
State: AZ

Complaint narrative:
Jefferson Capital Systems has reported to the credit bureaus a debt on my credit report without first notifying me, and also not providing any information as to an account #, or who this debt is with ... I have no knowledge of this debt and yet its been reported on my credit reports ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: TX

Complaint narrative:
On XXXX XX/XX/2020, as the COVID-19 pandemic was beginning and I was impacted with job and pay issues, I immediately contacted the Lending Club and asked for assistance with deferring my payments. On XXXX XX/XX/2020, they approved my request due to being impacted by COVID-19 pandemic and at the same time, they reported my account as being delinquent to the credit bureaus. This is unfair and inhumane treatment. When the world is being impacted by not being able to work and families are struggling, its bad enough that I had to reach out to request assistance due to being impacted, but to have the account reported immediately as delinquent when I have been reaching out for assistance from the beginning is unfair treatment.

Company response to consumer: Closed with explanation