vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was sending money through PayPal on XXXX to a family member. I clicked on resend this transaction ; as I have sent money to this person in the past and verified that the phone # was there and changed the amount to {$95.00} the amount I was wanting to send. I send the funds and now when I go into the payment the recipient is now an email address. It is a fraudulent email address of the recipient XXXX. This is not the place I authorized the funds to go. I opened a case with PayPal and they closed it stating I authorized the transaction. Which is not true as the recipient has been changed. I tried closing my account with them as I don't want to use their service any longer and was getting an error message. When I contacted Customer Service they said they couldn't close the account due to the outstanding payment. Which cleared my account today. Since they haven't received payment I would say they recipient didn't get the money so why couldn't they stop the transaction and send it to the correct recipient. I'm attaching both the receipt for the previous payment and the current one from  XXXX. I also included a screen shot of the screen showing the correct account when I click on resend.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TX

Complaint narrative:
show tooltip button XXXX/XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX CDispute XXXX XXXX XXXXDispute XXXX/XXXX   XXXXDispute XXXX XXXXDispute filed ftc on all the above accounts

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 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX/XXXX  XXXX, CREDIT COLLECTION SERVIC XXXX, XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX XXXX, US DEPT OF ED/XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I deposited my XXXX XXXX Check of XXXX $ to my Bank of america account. 
The money was debited very next day from my XXXX account and they confirmed there is no issue on their part and check has processed. 
But, BOA put a hold on the fund for 7 business days ( 9 days in total )! So, basically my own money is not available for access anywhere! 
My BOA checking account is actively used since last 13 years and is in very good standing. I was not give any reason why check is on hold for so many days when money has been already debited from the originating account. Is BOA earning interest on my money elsewhere while restricting my fund completely? ( XXXX dollar available after 4 days of deposit ). This should be completely ILLEGAL and banks are getting free pass for indulging in such UNETHICAL practices! 
That money was supposed to go for my mortgage principal payment and 9 days of delay means, I will be overpaying XXXX $ of interest. Is BOA going to pay me for holding the fund without giving any reason?

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX i reached out the macy 's store customer service regarding the payment. 
I called them and hold more than 45 minutes and then finally call was disconnected. 
Same thing i tried again XX/XX/XXXX but no success. Then i finally talked to them on XX/XX/XXXX. They said that we took the auto payment from the bank but i was rejected.They never notified me of the rejection and gave me late payment.I made them request to remove this late payment but they said that they can not help.Even i told them NYS governor made the announcement Banks and financial institutions will waive mortgage payments for 90 days for those with financial hardship as well as fees related to deposits and withdrawals as directed by the state 's Department of Finance, said XXXX.Credit scores will not be impacted by nonpayment of mortgages and foreclosures will be indefinitely postponed, said XXXX. But still they are not helping. Now i am unable to take any kind of loan or mortgage because of this mark.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XXXX of XXXX Lakeview Loan Servicing LLC paid to XXXX County two payment of taxes after audit from XXXX. the amounts they claim they paid were XXXX and XXXX. To my knowledge, the XXXX was paid in error, and not owed, yet is was taken from escrow account. Further investigation shows that XXXX county never received the XXXX, although they did receive XXXX on XX/XX/XXXX. I brought this discrepancy to the attention of Lakeview Loan Servicing LLC on XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX - who said it would be looked at by XX/XX/XXXX. After getting no response I brought it up with supervisor XXXX on XX/XX/XXXX and again with XXXX on XX/XX/XXXX. I still did not get a response so I brought it again to supervisor XXXX XXXX on XX/XX/XXXX. He said he would escalate to Tax dept. On XX/XX/XXXX I received an email from customer support stating that they would respond in another 3 days, and then on XX/XX/XXXX another email stating they were still investigating and would respond within 3 days. After hearing nothing more, I called again on XX/XX/XXXX and spoke to supervisor XXXX. He said he would escalate to tax dept. After explaining we had already been down that road, he transferred me to Leadership member XXXX. While once again explaining everything to XXXX, who seemed to understand the problem, we were disconnected. I called back and no one was able to transfer me back to her. They stated that the notes showed that the check for the tax was sent and they would, once again, have to investigate. I have let everyone know I have documents showing tax history and that the XXXX was never received. 
I believe Lakeview has been giving me the run around and has not seriously looked into the issue since originally brought up midXXXX, XXXX 1/2 months ago.

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 2020-06-29 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX was denied credit for a truck loan by XXXX XXXX  XXXX, CT. 
Wanted credit report from " Sagestream llc ''. 
Sent in all required forms and info which included, Name, birth date, address including zip, phone number and Social Security number. 
They refused in a call back by saying " Doc '' was expired which it was not. 
Doc was a temp Drivers License printed out page with the expired date of XX/XX/XXXX. Can not reach them by phone. 
Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$250.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/15 and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.I think a fair resolution would be to give me the {$400.00} for the promotion I had signed up for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
US DEPT OF EDUCATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I have been making payments to them they have called me 4 times within 6 hours 1 : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX I am going to write them a letter and ask them to quit contacting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : https : 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 2020-06-29 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I saw a feature called " Plan It '' advertised in my online American Express ( Everyday Blue Cash ) account offering a special no fee, no interest payment plan to assist with large purchases ( for a limited time only ). The Plan It module online offers a " calculator tool '' to " see how the Plan It module works XXXX direct quote from online account ). '' I entered an amount of over {$9000.00}, the cost of the large purchase I was planning on making. The module provided 3 potential scenarios : 12 months, 18 months, or 24 months, all at {$0.00} fees and {$0.00} interest for a total cost of the amount I keyed into the calculator tool. The 24 month scenario worked well for me, so I proceeded with the large transaction. 

Once the transaction actually posted, I was unable to use the Plan It module to create a plan, so I called American Express Customer Service. I was told that the 24 month plan would still be available, but only after the monthly statement cut online. 

As of today ( XX/XX/20 ), the statement cut and the longest payment option I was given to create a Plan It for the transaction was 12 months. Now, American Express is claiming that the online tool is " illustrative only. '' What is the point of the Calculator Tool to plan for a large transaction if the scenarios presented change AFTER the large transaction has been run and posted to your card? American Express has REFUSED to extend me the original 24 month plan after multiple calls and now my monthly payment has doubled, which I did NOT plan for and I am now in a financial jam. 

I have screenshots of the online calculator tool ( logged in under my account number ), as well as the " fine print '' terms that I had reviewed prior to proceeding with the transaction. I met all terms that were disclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Around XX/XX/2020, I called Banana Republic Card Services for payment relief due to extraordinary circumstances due to COVID. 

They agreed to give me 3 months of {$0.00} payment due and kindly refunded me any interest charged on the account. 

I was told that I don't have to pay any interest due to COVID pandemic relief. 

Today XX/XX/20 I received a notification from my credit bureau that my banana republic visa card is over-limit and that my account is overdrawn and negative $ XXXX and my FICO score has dropped by 10 points due to this. 

How? 
I never logged in into my account because I receive email notifications, and they always said {$0.00} payment due. 

Apparently, even though they told me that I don't have to make a payment, they were still counting interest and compounding it. 

Now my account is overdue and I have derogatory remarks on my credit file on all three credit bureaus. 

I called Synchrony Bank to dispute this issue and they informed me that the interest waived was only a one time thing, even though I was told otherwise.

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 2020-06-29 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: MO

Complaint narrative:
The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) 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 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Business and Consumer Solutions.
State: KY

Complaint narrative:
I recieved a call on XXXX XXXX from a company called fbcs  about a bill from XXXX hospital from about XX/XX/XXXX I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the third collection agency I have been sent to XXXX XXXX complaint # XXXX and XXXX XXXX XXXX XXXX i have not been sent anything in the mail to will not send me a way to dispute I found it strange that they gave me a address that I had not lived at since XXXX when at the date of service in XXXX I lived at another address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I contacted HSBC many times about my mortgage payments. I asked for an interest rate adjustment, refinance, etc. 

After some discussions I decided to enter an interest rate modification.The modification allowed me to send a mortgage refinance estimate from a competitor and then HSBC would beat their rate and adjust my mortgage rate. 

On XX/XX/XXXX, I carefully reviewed a 2 page contract send over by HSBC to adjust my rate. After reading the terms and conditions I esigned the document. This adjusted my interest rate to 2.9 % and allowed HSBC to keep me as a customer instead of refinancing with XXXX. 

I was then charged a {$1400.00} rate modification fee on my next mortgage statement that was not mentioned in my signed contract. HSBC provided a copy of the contract ( see attached pdf ) which does not mention any fees. 

HSBC is claiming that an email they sent contains additional terms. I don't see how an email that I didn't agree to can add extra terms to a contract I signed without those terms. 

I paid the {$1400.00} fee as I didn't want a late fee but I dispute the charge.

Company response to consumer: Closed with explanation