vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
Received a call and was connected to a " Mr. XXXX '' who answered the phone as simply " law offices '' when I asked for the name of the law office he said he works for a network of attorneys with what sounded like " Client Mediation part of XXXX XXXX XXXX '' representing CITI Corp. He never recited the mini-Miranda to me and just said he said he was offering to settle for pennies on the dollar of my debt that he said was over {$10000.00}. He said he would file his lawsuit if he didn't get paid by the XXXX. I asked for dates of the debts and he said it was charged off in 2014 and that the statute of limitations was 7 years ( it's actually 5 in my state ). I told him i would need to see all paperwork pertaining to this and he said I was just trying to use stall tactics and that he was done playing games and that I am obviously not serious about this matter and would just go ahead with filing his lawsuit with the local ( he listed the city ) courthouse and since the amount was so high it wouldn't just be small claims. He said to make sure I have two forms of ID for when I get served. I hung up on the man and he immediately called and left me a voicemail with more threats which included, having all my licenses suspended, he listed three people 's names close to me and said I could explain to them why they are being summoned to appear in court, and that he would put a lien on all my properties.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When ever I have a fraudulent charge and dispute it, capital one ALWAYs rules against me, after they demand more information, on charges I didnt make and have no records of. its ridiculous. How am I supposed to have information on charges I did not authorize? The first was something I actually purchased, a trailer for {$250.00}. the seller sent a rubberband, I disputed, capital one denied my claim. the last one, was today, XX/XX/2020, when I disputed a XXXX dollar charge that I never authorized, was also denied. their reasoning is I supplied no information. How am I supposed to have information on a charge i never authorized? worse bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: OK

Complaint narrative:
US Bank Home Mortgage has inaccurately reported information to the credit reporting bureaus since at least XXXX of 2019. I have tried repeatedly to resolve this matter and US Bank has not made any effort to correct their inaccuracies.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or around XX/XX/2020 I initiated a balance transfer from my XXXX Citibank credit card to my XXXX XXXX XXXX  credit card. On XX/XX/2020 XXXX XXXX showed the {$700.00} transfer. As of XX/XX/2020 XXXX Citibank still does not show the {$700.00} credit. I have attempted to contact Citibank but there customer service does not let you talk to a live person. I have sent 2 messages, no response. I sent XXXX XXXX a message, no response. I am continuing to accrue interest charges on the same money in two different banks. I don't see this clearing up anytime soon, that's why the complaint.

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 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To whom it may concern, This is my second request and complaint. 

Your company reporting a collection account ron my credit reports. According to the Fair Debt Collection Practices Act ( FDCPA ), I am disputing this debt in entirety, and you need to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature that I have with this company A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 

ALL statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If you can not provide everything I ask for to validate the account, then you are to remove the collection account from my credit reports. If you will not remove it. I am a litigious consumer and have every intent to sue for violations of FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have called American Express seven times explaining that I can't make my monthly payments due to hardships from COVID-19. But I seem I don't have a voice because I can't pay my bill on time. The stress from American Express is so bad I am having panic attacks. Maybe if I drop dead then my problem will go away. Account Ending XXXX Past Due Amount : {$6000.00} and Account Ending XXXX Past Due Amount : {$780.00} on the second account. 

Any help would be nice. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient -improper billing procedures. When request for financial hardship application was submitted I was told it would be weeks/months before I would get the application, but not to worry as I would be placed in forbearance in the meantime. Was then reported past due, both 30 days and 60 days at the same time after no application was received. When I called to ask why this was, I was told I would receive a letter showing my accounts in good standing and my credit report would be amended within 90 days. 5 months later and I since was told to request the amendment in writing after it didnt fall off the report within 90 days. After 29 days I called to ask what the status was and was told they have 30 days to respond and still had no answer. They received the letter on XX/XX/XXXX and have sent no response as of XX/XX/XXXX ( 34 days ). They are now refusing to amend reporting, stating that it is accurate even though the original issue stemmed from them not sending bills in the first place. In 7 years Ive had XXXX missed payments on any accounts now, as I was in the process of buying a home, my rekey shows XXXX missed payments and they refuse to amend this. They also through the years have steered me to deferments and forbearance instead of income driven repayment plans and finally ( while they were steering me towards yet another deferment ) I demanded an IDRP. I believe they are intentionally leading away from payment plans so that the interest builds up and I also believe they have practices that lend themselves to default/late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to the CRA ( Equifax ) via a certified letter on XX/XX/2019. In my letter, I asked if they ( Equifax ) would update/correct my personal information on file with their agency, which included removing ALL non-deliverable names, addresses, phone numbers, and employers. To this date, the CRA ( Equifax ) has NEVER responded nor corrected my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Franklin Collection Service, Inc.
State: CT

Complaint narrative:
XXXX XXXX has reported an account on my report 2 times through two different collection services. Both are reporting same account, same amounts on my credit, each month they re report these accounts as new. this one account was acquired in XXXX, they have the account opened through XXXX XXXX XXXX on XX/XX/XXXX and again through Franklin collection sv saying it was opened on XX/XX/XXXX. This account from XXXX XXXX was settled prior to this continue reporting in XXXX, I purchased my new home in XX/XX/XXXX, and prior to credit approval I paid XXXX XXXX  and had the XXXX removed. After I moved into my home the collection servicing company put this back onto my report on XX/XX/XXXX. and then it went to a new collection servicing company and was reported again. I can not find the receipt of my payment in XXXX, moving things got lost in the process. I do not owe either of these, but if I need to keep it on my report, then one of  the reporting agencies needs to be removed. And they need to stop re reporting it as new.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MS

Complaint narrative:
I SPOKE WITH SOME AT DISCOVER THEY TOLD ME TO WRITE A LETTER AND SEND THEM A COPY OF MY LICENSE.I TOLD THEM THAT I HAVE DISPUTE IT WASNT MIND THEY SUIT ME AND HAD IT TOOK FROM MY PAY CHECK ITS A XXXX BALANCE BUT I NEVER OPENING A ACCOUNT WITH THEM.I ASK FOR PROVE OFF THE ACCOUNT WHO AND HOW IT WAS OPEN WITHOUT MY PERMISSION AND I HAVE A FRAUD ALERT ON MY CREDIT SINCE XX/XX/2017 AND THE ACCOUNT WAS OPEN IN XX/XX/2017 and had two phone number on the account that wasn't my number this is affecting my credit really bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am very disappointed that i am having to go through this process once again. I recently called Capitol One about my two accounts and explain that my business has been severely affected by the COVID19 coronavirus in early XXXX. Upon speaking with a representative and explaining the situation i was told i would be receiving relief from my two accounts until i believe either XXXX or XX/XX/2020. It is now XXXX had i just got an alert via my credit report that i have been late on payments and my score has now dropped XXXX   points on all 3 reports. I was in the middle of refinancing my home to balance out debts and i wont be able to do this now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I have tried calling the credit card company after multiple attempts made to login to my account to make my monthly payment with no luck. I usually make my payment around the XXXX of each month and only message I get when trying to login is : We're sorry. Citi.com is temporarily unavailable. 
Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call XXXX ( TDD/TYY : XXXX ). We apologize for any inconvenience and appreciate your patience. 
When calling the number the automatic system transfers you to the credit card area and when you ask for customer service it eventually tells you due to high call volume please try again later which still has gotten me no where. I would like to pay my bill for last month I never miss a payment and here we are they are probably charging me a late fee for their errors.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CUSTOMERS BANCORP, INC
State: GA

Complaint narrative:
I had written a check for XXXX XXXX and XXXX dollars ( {$210.00} ) to a telephone company XXXX XXXX XXXX XXXX ) and they deposited the XXXX XXXX and XXXX dollars check to their bank ( XXXX XXXX XXXX and XXXX XXXX  used the check to make a withdrawal transaction from my bank, ( BankMobile, a Division of Customers Bank ). The check was returned for insufficient funds by Bankmobile to XXXX XXXX  and to XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX redeposited the check and Bankmobile accepted the check and Bankmobiles account shows that the returned check was sufficient and it was credited to XXXX XXXX. However, The XXXX XXXX  shows that the check was returned the second time and no credit for the {$210.00} check. There is no credit of {$210.00} in either bank. 

On XX/XX/XXXX, I filed a complaint and an investigation was initiated with BankMobile and on XX/XX/XXXX the investigation was completed. I also made a requested to XXXX XXXX XXXX and the XXXX XXXX  to make a review of the transactions of the check for {$210.00}. BankMobile found no error in the transactions. On XX/XX/XXXX XXXX, I called BankMobile with another complaint about the case. I requested a reopening of the case. They eventually agreed to reopen the case. XXXX XXXX XXXX made another review too and their results were the same.

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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received an email yesterday night on XX/XX/2020 at XXXX that said unusual activity was detected for the date of XX/XX/2020. I called Bank of America immediately and have been on hold for nearly two hours! My recent transactions are believed to be fine in my eyes considering the fact that nothing is pending. Please help, I have no other resort due to the Covid-19 epidemic since all branch locations in my area are closed.

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 2020-04-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to 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 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I called Westlake financial services, the company that finances my car, on XX/XX/2020, in order to defer my payment which is USD XXXX because our household income was reduced drastically due to the XXXX situation. I was told then that customers are receiving a 30 days deferment on their payments and that I should call 2 days before the due date which is XX/XX/2020, to request a deferment. On XX/XX/2020, I called Westlake financial services again and was told that they no longer approve deferments even though they have approved it for others. I requested equal treatment but was offered an extension of the due date by 4 days and to make half the payment and I am expected to find a way to pay the other half ( no deferment ). Equal treatment was denied by the company saying that this is the decision of the company 's president and they have reached their limit. I was not told about this limit and I actually called on XX/XX/XXXX and was not given this deferment. I have been making payments for 14 months on time yet I was treated differently from others. At a time like this with anxiety, financial stress, and a health crisis going on, it has been extremely stressful and disappointing to be treated unequally and unfairly on top of all that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX THAT IS REPORTING ON MY CREDIT FILE. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.

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 2020-04-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to 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 2020-04-09 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
We hired an attorney ( XXXX XXXX XXXX, XXXX ) ) through legal shield in XX/XX/2019. The attorneys wrote a letter of complaint that the Fay Servicing did not apply a credit of {$190000.00} to our account that was cancelled ( 1099C attached ) by the previous servicer ( XXXX ). 
Fay Servicing responded ( letter is attached ) essentially stating that we did not live up to our modification agreement by not being in good standing that was given us, so we forfieted the credit.However that was NOT TRUE, we have attached 12 months of bank statements paid to our previous servicer indicating our payments. 
We asked Fay Servicing why did we receive a 1099C if we weren't suppose to get the credit. They said in the letter of response to us, that they send them out as a FORMALITY. How could this be legal when we have to file these documents on our tax returns, which we did for that year. 
The attorneys that we hired said that we would have to sue to take it any futher and we don't have the funds for that. Please help us straighten this situation out.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX, we requested that Remitly.com transfer {$1200.00} XXXX through XXXX XXXX, XXXX, to a dear friend. We authorized our debit card for the transaction. We had done similar transactions monthly since XX/XX/2019 with no problems. 

We received information from XXXX that XXXX had a problem with the transfer. Our intended XXXX recipient phoned XXXX and was told they never received the funds from Remitly. 

We have not received a refund despite their claim refunds will occur within a week if the transaction fails. 

Remitly does not respond to our emails and the phone service ( XXXX ) does not take messages but refers us to their site. The Help site does not allow for cancelling the order - we are told to look at their information and go to the end to hit cancel, but there is no " cancel '' there. 

Thinking that perhaps I erred in my original request, my wife tried also to put through a request, using her slightly different debit card, on XX/XX/XXXX. That was a big mistake. At that time we expected a timely refund of my original request. Now Remitly holds two orders of {$1200.00} and no one at Remitly responds to our phone requests or our emails. 

Yes, we understand their staff is affected by the corona virus. But we desperately need both orders cancelled and our funds received. We can then pay our own bills and still send money another way.

Company response to consumer: Closed with explanation