vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XX/XX/2022 Synchrony Bank was contacted about my lowes card, and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought- my card had about a few hundred $ bal ). 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit services company Credit Karma deployed dark patterns to misrepresent that I was pre-approved for credit card offers. The company used claims that I was pre-approved and had 90 % odds to entice me to apply for offers that, in many instances, I ultimately did not qualify for. Credit Karmas false claims of pre-approval cost me time and subjected me to unnecessary credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently closed and paid in full an account with XXXX XXXX  XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all XXXX credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all XXXX credit bureaus have failed to do a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
I lost my job on XX/XX/22 and recently filed a claim for my credit card protection to cover my monthly payments until I find a job. 

I could not get my former employer  XXXX to complete their portion of the form since there's no on-site XXXX XXXX personnel. 

I recently provided a copy of the payment history from the Utah unemployment insurance office, however, my request has not been processed or denied and this delay has impacted my credit score.

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Direct deposit Social Security payment shown as part of available balance in my single owner savings account, 2 days " early. '' I transferred some funds to another account. The next day, WF showed my account overdrawn. No overdraft fee was changed, but a monthly service fee was charged because the overdraft brought the balance below the daily minimum balance of {$300.00}. Because the balance was already below the daily minimum on XX/XX/XXXX, WF will charge me a monthly service fee for XX/XX/XXXX. 

I would never have been required to pay a monthly service if WF had not shown the SS deposit as a vailable funds when it was not actually available. WF sanitized the account documents to reflect the direct deposit date, so I have no document showing what WF did. WF blamed the Social Security Administration for this problem.

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 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Harassing me for a debt of {$520.00}.

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 2023-01-24 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: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to PCA Acquisitions V , LLC ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: FL

Complaint narrative:
XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.

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 non-monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Loan company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had insideLoan  company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had inside

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My adjustable rate mortgage is serviced by BSI Financial. The mortgage terms limit rate increases and decreases to 2 % per year. The rate was increased by 2 % as of XX/XX/XXXX and by 2 % on XX/XX/XXXX which exceeds the limit. BSI Financial confirmed the 2 % annual increase limit in various letters. The company is not following the terms of the mortgage. The rate has now increased 4 % in less than a year with rate increases of 2 % at XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I was in a loan modification plan with Wells Fargo. I completed all payments etc, but instead to fixing the loan they sold it off to XXXX XXXX, which ended up costing me more money and loan was never moditified.

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 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
On or around XXXXXXXX XXXX XXXX  I found out my identity was stolen and used to open up several accounts. At this time I contacted lending point who was one of these account holders ( XXXX XXXX ) sent them a copy of my FTC Identity Theft Report and informed them the information they are reporting is the result of identity theft, and I asked them to plz correct this fraudulent information by Removing any charges on this fraudulent account, and Closing the fraudulent account as soon as possible to which they have yet to do. I am still making payments on this fraudulent account to protect my credit score when I shouldnt have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
My parents who live in another state received a voicemail on XX/XX/XXXX stating that they were about to pursue legal action against me if I did not contact them right away. This would be their last attempt. I called them that day and the lady would not disclose the company she worked for right away until I gave her my case number. She asked me if I owned a vehicle in 2015. I said yes but I had not seen anything on my credit regarding the vehicle in 7 years. She proceeded to talk very fast about pursuing legal action and having to go to court if I did not pay that day. I have never been in this situation and was very scared she said I owed an amount that I was not familiar with or sure of if it was correct for a vehicle I only had for two months. It was constantly in shop for repairs. Was a complete lemon and surrendered it to dealership right away. 

She gave me the option to pay half of the debt and they wouldnt make me pay the rest or else I would have to make payments for the next two years. I didnt have anyone to discuss the matter with in the moment and I panicked and said I didnt have the money to pay a lump sum now so I will have to make payments. She made me sign a document and charged me {$50.00} that day. {$200.00} a few days later and then they just charged me {$250.00} on the XXXX of XXXX. I then explained the situation to my boyfriend who had been out of the country for some time and I called back the debt collector, XXXX XXXX XXXX XXXX XXXX ). The lady was extremely rude, aggressive and threatening to me and refused to let me speak to their supervisor. She said she will put this on my credit immediately if I dont pay her. I was just trying to get more information on the company because I could not find anything online about them. No one would give me the address of the company, the full name of the women I spoke to or the name of the supervisor. I also tried to collect their professional license number and no one knew and has not answered my calls. I will be calling the authorities and reporting this company as well.

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 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do not believe the balance on my mortgage is correct. There amount is totally different from the one i get and there has been a raise in my monthly payment the last couple of years.The increase is done with my escrow account every year.

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 2023-01-24 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2023 I advised Capital One charges made to my account were not authorized. I filed a fraud report 15mins after receiving fraud alert. All charges were reported as fraud. Additional charges were declined at my request. My fraud claim was denied. Capital One did not honor my statements or documents I received showing fraud claim was made immediately. I never received items. Items were purchased fraudulent outside of the country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I recently closed and paid in full an account with XXXXXXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.

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 2023-01-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently closed and paid in full an account with XXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.

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 2023-01-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX 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 2023-01-24 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Last year I settled an account with AMEX at the time Off settlement I spoke with the representative at lengths about after I paid the balance it would be removed from my credit report. I have called Amex multiple times and spoken to supervisors that saw the notes on my account that certified they would remove this from my credit report. They have still failed to do so after i have called and repeatedly a supervisor verified they would remove the account from my credit report Also XXXX XXXX  is not reporting correctly the account. It is paid and full with a XXXX balance. I have repeatedly asked them to fix this and they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a business credit card with Barclays, a XXXX card. On XX/XX/XXXX I mailed in a payment by check for the full balance at the time, {$2600.00}, check # XXXX from XXXX XXXX XXXX. The face of the check had the last XXXX digits of my account number on it, and it was enclosed in a sheet of white paper with my full name and address and account number. 
That payment was never credited, and on XX/XX/XXXX my payment went past due. Around that time my card was locked and i called to see what happened. I was told they never received the payment. 

On XX/XX/XXXX the check was paid by my bank. When i discovered this I called on XX/XX/XXXX and spoke to a security person to confirm that Barclays had cashed the check. On the back of the check, was a stamp with the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Barclays XXXX I spoke to XXXX, who was a manager. She said she would open a missing payments case so the matter could be resolved. She told me it would take a XXXX  of days. 
On XX/XX/XXXX the card was still locked and i called on the status of the missing payments case and spoke to manager XXXX XXXX. I was told a missing payments case had never been opened. XXXX XXXX opened a missing payments case # XXXX. She transferred me to XXXX in customer service to help me. XXXX told me that the payment HAD been located. XXXX told me that she could apply a credit to my account that would unlock my card within about a day. 
On XX/XX/XXXX the card is still locked. I called and talked to XXXX XXXX who told me that the payment had NOT been located. XXXX told me the missing payments case would take XXXX days to to resolve. He also told me I would receive a letter in the mail with information from the investigation. I told him I was not at my home address, i was traveling, and could not receive mail until XX/XX/XXXX. He told me if i could not receive the letter the investigation would be closed. This is outrageous and unreasonable, as Barclays has my phone number, email address, and there is a " messages '' portal in my online Barclays account where they can communicate with me. 

Barclays lost my check for nearly a month, locked my account and charged me finance fees and late fees. Then they cashed my check. They have the money, as of XX/XX/XXXX. Yet they give me conflicting information, fail to start the required missing payments case in a timely manner, and refuse to unlock my card, despite the fact that I PAID my balance and they received it. Now they tell me that because i am not at my home address to receive a paper letter, that the investigation will likely be closed and I suppose the payment never credited.

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