vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has unexpectedly increased all of our interest without notifying us that the entire interest balance was imposed and did not notify us that the promotional no-interest account expired. Fraudulent and misleading set-up of auto-pay and after Citi changed to " Shop your Way Mastercard '' my settings were changed. My settings when I set up autopay on the original website were to notify us when promotional balance ended. This requires immediate attention.

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 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SLS charged me a {$71.00} late fee on a ~ {$100.00} shortage on my mortgage payment. My overall payment went up after an escrow shortage and I was set up on Bill Pay rather than ACH. I had attempted to set up ACH multiple times in the past with no luck as I was always told the website was down or received a tech error when attempting it online. Most recently I could not have set up ACH due to no one answering the phone during COVID. My total Payment went up in XXXX and I was short approx {$100.00}. SLS assessed a full {$71.00} late fee. That's a 72 % late fee. If that's not excessive, I don't know what is. Not to mention it was assessed during a global pandemic when people are in the midst of financial hardship and stress. SLS did not answer the phone when I tried to call in before this to switch to ACH due to staff shortage during the pandemic. We were expected to be patient with them as they adjusted to the pandemic. All I am asking for is the same courtesy here and not to be assessed a 72 % late fee during a global crisis when they couldn't even sufficiently staff their reps to assist with ACH and payment related questions.

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 2020-07-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
HSBC is reporting a fraudulent debt on my credit report. They have been provided with identity theft reports and notices to cease reporting false information. They have been unable to verify charges or debt responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: EQUIFAX, INC.
State: AL

Complaint narrative:
You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have made every payment on time. I had a few returned payments due to their own system error which they admitted and refunded me for, but closed my card even though I was current and during covid impacted times due to the return led payments that was their fault

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
refused to talk about the problem. They can not verify it is us over the phone. However, we can not go in-person to solve their error.

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 2020-07-13 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: NV

Complaint narrative:
My mortgage servicer The Money Source TMS. I filled out the form on their website on XX/XX/XXXX asking for deferral and requesting a call back. Their website said they would call me and where experiencing a high call volume just to wait for them to call me not to call in. It also said that I might receive letter in the mail but it would not go on my credit.. 

I have been calling TMS the Money Source since XX/XX/XXXX. As soon as I noticed a derogatory mark on my credit report from TMS I started calling them.TMS told me someone would call me back in 48 hours  and I never received call back. 

Ive called TMS over 10 times and hear a different story each time. One time they said I have never filled out the forbearance form for call back and that I never went to their site on XX/XX/XXXX and I logged back in on XX/XX/XXXX to check. I have screenshots of my history showing I accessed their site both those days. I have attached this screenshot Another time they said the laws in the state of Nevada prevented them for calling about anything to do with a debt. 

I have tried to use waybeackmachine to get archive of the page but it was from within my account so they dont have copy of the actual screen. I would not have this url if I never accessed and filled out their form. Attached is another screenshot of me trying to search in waybackmachine. 

I have an open case with Fannie Mae but so far they have been unable to do anything because TMS just tells them that I never signed up for forbearance. 

My credit score was over 740 before this and have not missed any credit card or mortgage payment ever. My place of employment closed in XXXX due to COVID-19 and I have had no income since then. I have been using my credit cards and now credit cards are canceling due to derogatory remark on my credit card and late mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: AES/PHEAA
State: NH

Complaint narrative:
Fed Loan servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from Fedloan clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and Fedloan refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and Fed Loan accurately reported them as late. Fedloan, later granting a forbearance for that time period, per the cited opinion, Fed Loan has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I allow XXXX  to withdraw money from my checking account to a savings account. Bank wont allow this anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
The wrong amount is being reported on my credit reports! You need to report account in good standing, I making minimum payments agreed upon!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I had multiple charges on my debit card for purchases that I did not make. I called my bank to process a chargeback and it was denied. The amount was {$3500.00}.

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 2020-07-13 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: WV

Complaint narrative:
My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.

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 2020-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
RE : Loan Number XXXX Hi I have spoken about this matter with myloancare and XXXX XXXX   many times with the their agents over the phone. In which all agreed that that there a mistake on their end and promised to fix. However, never got fixed. 
The issue that I only owe XXXX, XXXX, XXXX, and XXXX in which should amount to ( XXXX = {$9700.00} ) however, you system gives that I owe a {$12000.00} in which is {$3200.00} over what I owe. Such amount of {$3200.00} does not make any sense whatsoever. 
Again and Again and I repeatedly ask them to fix, it has been months and month of XXXX XXXX. Such XXXX  has effected my health, and work, and my physical shape. Also, the web site gives me an other number of {$15000.00}, this only to add to the XXXX  further more. Again I ask them to fix such as well. In addition, the web site doesnt allow me to do any payments in which also adds to the stress this string of actions taken by them. I ask to give me the equal opportunity as other to pay online, please fix all accounts ( web and their record ). 
Also, please note, it is very XXXX  to call bank, as I have faced multiple times of disconnect while waiting for a long time to speak to someone. When I speak to someone, I have to transferred to someone else where I face a disconnect. This adds to the stress Thanks 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 2020-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020 I deposited a payroll check into my USAA checking account in the amount of {$860.00}. The bank placed a seven day hold on my funds listed multiple reasons ranging from the mobile deposit system doesn't recognize the check, to there was suspected fraud on my account. I contacted the bank multiple times attempting to have the hold removed and was unsuccessful. I spoke to over a dozen different representatives and managers and was hung up several times. The bank is legally obligated to release a payroll deposit within two business days after the deposit up to {$5000.00}. This along with my account being placed in fraud prevention is a violation of my right to privacy and the banks authority to operate under FINRA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks

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 2020-07-13 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: AL

Complaint narrative:
You have a bankruptcy reporting in the public records section of my credit file. You mentioned that you obtained this information from XXXX XXXX. I have a letter from XXXX XXXX stating that this incorrect information has been removed from my file. Please remove this information as soon as possible. Thanks

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 2020-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: MO

Complaint narrative:
I have been receiving bills from the XXXX XXXX XXXX  since XX/XX/2018 or their creditor Bay Area Credit Service for {$690.00} which I had XXXX XXXX and XXXX  XXXX XXXX which means they legally can not collect after being paid by XXXX. They are still trying to collect from me after this happened and they are harming my credit score by trying to collect which I do not have money to pay the bill. I have tried contacting Bay Area Credit Service because the XXXX XXXX will no longer handle the bill and they just ask for my insurance information and I have given it to them many times and they never have gotten it taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2020-07-13 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: MS

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 explanation
Consumer complaint received 2020-07-13 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
A {$29.00} late fee has accumulated to nearly a {$200.00} in extra fees on a 18 month- DEFERRED INTEREST XXXX   XXXX  credit card loan. The additional fees make no sense. But they do smack of the insidious and greedy pattern that banks have practiced forever. Some 20 years ago, California and indeed nationally, most banks got busted for this kind of activity. And halted it when the law came down on their heads. 

Barclaycard is trying to initiate the same sort of semi-legal, sneaky and wholly unethical practice yet again.

Here are the details : I purchased a computer at XXXX  with a Barclaycard XXXX  XXXX  credit card which had ZERO interest for 18 months in XXXX XXXX. The 18 months interest free period will be up on XX/XX/XXXX. I called today ( XX/XX/XXXX ) today to pay off the credit card loan. The amount Barclay Card claims I owe is {$190.00} more than I owe. 

I signed up for the card in XX/XX/XXXX. I purchased a computer, which didn't have the specs I wanted and was returned. I purchased another computer in XX/XX/XXXX. 

I borrowed {$2000.00}. I paid the minimum amount toward that purchase, which was {$27.00} per month, later it was increased to {$29.00} per month. I set up an automatic payment soon after I got the card. Total amount I paid was {$530.00}. 

I should owe {$1500.00}. Barclaycard Manager, XXXX ID # XXXX claims that I owe {$1800.00}. That's {$190.00} more in extra fees. The Barclaycard Rep said that there was a late fee in XX/XX/XXXX for {$29.00}, on the first auto payment. They were authorized to charge my Chase Bank Visa card. I didn't send in payment. It makes no sense that there would be a late fee, period. 

Barclaycard Manager XXXX claims that the {$29.00} late fee has accumulated interest of 13 % totally {$6.00}. It makes no sense how those fees added up to {$190.00} in extra fees. 

I've called Barclaycard customer service many, many times. I remember I called several times because the amount that the auto recording claimed I owed, was more than the amount I owed. I spoke to a customer service rep who looked into it and told me that the amount the auto recording claimed I owed was wrong. He said not to worry about it.

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 2020-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

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