vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
this is not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I opened a CD account with Marcus Bank. I receive my first statement on XX/XX/2020. It showed a federal back up withholding charge as a percentage of the credited interest for the first statement. I called the company I XX/XX/2020 at XXXX XXXX. I was told that I signed a signature card. I would assume it would be for my protection to have my signature on file. I asked the representative to credit my account. She said that is not possible. I would have to file a tax return to get the withholding back this is a policy for personal CDs apparently it is however not a policy with IRAs The withholding will land when I sign a new signature card. I have never experienced such a procedure with any bank that I have done business with in the last 60 years when I withdraw my RMD from my traditional Ira account, I only say no withholding. This company is making monthly withdrawal of withholding at a 20 % rate of the amount credited for the month. I lose earning power because of that deduction. This is their position regarding errors and I quote - we will investigate your complete and Will correct any errors promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you will have the use of the money during the time it takes us to complete our investigation The math : XX/XX/2020 interest of {$170.00} XX/XX/2020 CD Decrease Federal Backup W/H. {$41.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: CO

Complaint narrative:
I called XXXX yesterday and couldnt get any help on this. I think I reconsolidated my loan in XXXX with XXXX to apply for the loan forgiveness program. 

I borrowed about XXXX in the XXXX and started repaying the loan in XXXX. I consolidated with ACS in XXXX. At that time, the loan was XXXX. 

Now, I still owe XXXX. I dont understand why no principal has been paid down after 20 years of XXXX per month. 

I would like to get documents on the loan history. I am no longer a borrower in ACS now Conduent and so I cant ask them. Studentaid.gov told me you would have the documents even though you have only held the loan since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Io, Inc.
State: MD

Complaint narrative:
I am writing because XXXX XXXX has sent my account to collections and the Collection agency reported me to the credit bureaus. I had moved and they sent the statements to the old address and I also PAID the balance. Also under the CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis, They reported me in May, They need to REMOVE it from credit bureaus. I don't want them to JUST update it, they have to completely REMOVE it from ALL the credit bureaus or from the ones they reported it to. My score dropped significantly and I'm in the middle of getting a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Trying to get a XXXX XXXX XXXX  and my bank would not approve my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal was not able to reach me to resolve a claim issue - but can call directly when they reverse the claim. 

Short version of the long story : Ordered a phone in XXXX it didnt work, returned to distributor. Never got my $ back, so filed a claim with the co, then PayPal who reversed the charges during investigation.

Yesterday I got a call from PayPay for payment collection on the claim they reversed. Had not heard from them since the claim was filed - apparently because i had an old email address as primary on my nearly 20 year old account info. ( Mind you, my phone # & additional email address also on their contact info file were not used to reach me to resolve the claim ). 

Supervisor XXXX # XXXX - informed me that its completely legal according to their user agreement that they have the right to behave in this way ... .. not using customer contact information to assist a customer in need, but able to reach me when they can capitalize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made purchase n recieved it XXXX I returned it on XXXX as it would not turn on at all it was toaster oven as my house oven broke n I cant get someone to fix it because of epidemic. They got the item back n I cant get me credit on my Macys card n they dont answer due to epidemic yet they still take orders. Its been over 12 days n no credit back on my card I have emailed them 10 times n I get back evasive response emails with no resolution. Just we busy n working on 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 2020-05-12 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are several incorrect collection agency derogatory referrals to my credit profile that have the effect of significantly reducing my credit score and how prospective lenders assess my creditworthiness. These collection agency referrals are completely unknown to me. I had never received any statement, notice or other documentation in explanation of the referrals. Further, I contacted each of collection agencies as well as Experian demanding a full explanation of the legitimacy of the referral or to have the items removed from my credit profile. This included two letters to Experien, dated XX/XX/2020 and again on XX/XX/2020 requesting an investigation into the collection agency referrals, that I had written to the collection agencies with no response from them and to either justify the referrals or remove the items from my credit profile - and to reissue a corrected credit report. As of this writing there has been no evidence of any investigation, no proof of the legitimacy of the entries - all to the detriment of my credit profile and 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 2020-05-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The information on my Equifax credit report hasnt been updated since XX/XX/2020, its XX/XX/2020. Despite the facts that my creditors have updated the information for my accounts and XXXX, XXXX both update information monthly, Equifax is updating my credit score based off this old information and it has caused my FICO score to drop significantly causing serious financial harm. For example, I have credit card balances that still show amounts from XX/XX/2020 despite the fact they are lower in XX/XX/2020. I have called numerous times, Sent letters, and verified my identity all to no avail. This matter has caused my great distress and my next step will be looking into a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had a credit card relationship with Capital one for about 5 years now and never had an issue. I've consistently paid on time and never had any issues. I even work at the largest credit union in XXXX, TX and have recommended Capital One to many members wanting a reliable CC however, things have drastically changed within the past few months. When out with my family on XX/XX/20 I was told that my Capital One card was declined. I have a {$10000.00} limit on the card and religiously pay off the balance each week so I know it wasn't anything to do with non sufficient funds. I quickly checked my app and noticed my card was restricted. After that embarrassing moment I called Cap One and was told that I was sent a letter requesting information ( DL, SSN,  Proof of Residence ) and since I hadn't responded within a certain time frame, my card was restricted. I had no idea, as I always opt in to the paperless option with all merchants and financial institutions. Most mail I get is pretty much pre-screened offers so there was a good chance it went in the trash. Either way, I log into my Cap One account at least twice a week and assumed there would have been a notification on my acct to provided that info. Either way, I faxed the info the following Tuesday XX/XX/20. Fast forward to a couple of weeks later, then a month, and now XX/XX/20 nothing has been done and my credit card is STILL RESTRICTED! The " manager '' I spoke with today stated they have a small team who reviews this information and hasn't came across mine yet. You would think that such a large company would add more people to that team to knock these out faster. What upset me even more was that I had to cancel an XXXX  rental and was credited back to my account over {$200.00} which some covered a small balance I had left. Now {$190.00} OF MY OWN MONEY is on hold and Capital One is unable to return it to me. They can conveniently still accept payments and won't hesitate to report a late payment if I don't. This is very unacceptable. Luckily I still have a job and have another card in case of emergency, but I feel sorry for those who are dealing with this and had been relying on their CC as a source of income especially during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One advertised that I can open a 360 Performance Account, which is a high yield savings account earning 1.5 % and will include a {$500.00} bonus. I have over {$100000.00} to invest. Their website encouraged the opening of the account on XX/XX/2020 but after I gave them all of my personal information, it first said it recognized me but then said it didn't. I called Capital One and was told that because I had an ING account many years ago, their computer has a bug that will not allow me to open the account. 

I emailed XXXX XXXX, CEO of Capital Bank to complain. I received a call yesterday from Executive Customer Care that yes, there is a computer problem and there is nothing they can do about it. I told them that you can't advertise something and then refuse to let it happen. I said the computer bug is not my problem so will I be reimbursed for the interest I lost when the bug is fixed. I was told no. 

Is this even legal? I asked them to override the computer problem and was told thet can't. Can you help me with this? 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I was at work and I received an alert from regions via text message regarding Unauthorized transactions. In receiving the text message it asked me did I authorized usage and I responded I did not immediately. After texting No, It stated it would call me within 30 minutes. I could not wait, and called immediately. Waiting 10-15 minutes I was able to get an agent who told me to call back once the transactions have posted on Monday. I checked my account all day Monday and nothing posted. I called back on Tuesday  XX/XX/2020 and spoke with an agent who opened a claim by claim number XXXX in the amount of {$1000.00}. I received an letter in the mail with little to no information stating my claim was denied. There is no way no one could have accessed my card pin number the agent stated this was not done using a pin. I only use this card for online purchased and automatic credit card payments! MY PURSE WAS STOLEN WHILE I WAS AT WORK CALLED AS SOON AS I WAS NOTIFIED.!! THEY SHOULD SEE THIS CALLED TO SPEAK WITH A SUPERVISOR AND I HAVE BEEN HUNG UP ON TWICE WITH THIS BANK. NO SUPERVISOR EVER CAME TO THE LINE CUSTOMER OF 5 YEARS PREVIOUS ISSUES NO ISSUES PREVIOUSLY LIKE THIS

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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My complaint is in regards to my Citi Diamond Preferred credit card which I applied for and obtained several years ago. At the beginning of the Covid-19 crisis I received an email from Citi simply stating that they closed my account.

I wrote to them stating that I did not want my account closed ; that I guarded that credit card carefully and kept it only for emergencies ( I am XXXX, poor, and a flat tire is actually a " crisis '' ). I had no balance on that card. I a
m a responsible consumer and only wanted to keep that card for when I needed it.

Now I do not have that safety net.

No explanation.

No reply to my email. 
I understand Citi is allowed to do this to me. That is my complaint - that they are allowed to cause real harm to me by vanishing my safety-net - without justification or explanation. My credit score at the time was approximately 800. There was absolutely no justification or cause. They apparently profiled me and somehow learned I was sick, I am thinking is a real possibility of why they did this - which is in violation of some disabilities law. 
They only treat poor and powerless people this way. It is wrong. 
I want my card back. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Card Number : XXXX. Citi Diamond Preferred Mastercard.

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 2020-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I spoke to the company that sold my loan to the company XXXX XXXX. They directed me to call the company and lodge a complaint. The company charge a fee which they refer to as a processing fee after the fourth of the month. {$10.00} when you pay online, {$12.00} when you pay by an automated phone call and {$15.00} when you talk to a customer support person to make the payment. This reeks of a penalizing action on the part of XXXX XXXX. It is unfair as throughout the country mortgage holder have until the XXXX of the month to pay without penalties, and since they are telling me that if I pay by the XXXX of the month there is no penalty or processing fee then these fees can be viewed as a penalty. 

When I called and spoke to the company I was told that if I set up autopay there would not be a fee even if I paid on the XXXX of the month, it would appear that these penalizing fees are meant to be coercive so that customers will fall in line and sign up for auto pay. 
I am not happy about this and am asking for your assistance in this matter. 

Thank You 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 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: WI

Complaint narrative:
I paid the full amount of this account off which was in the amount of {$2700.00} On XXXX/XXXX/2014

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I Logged on to XXXX per the FTC recomendation. I completed all necessary forms as well as answering nearly impossible multiple choice questions posed by Equifax. I was then denied a credit report and directed to mail in a ridiculous amount of sensitive and private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian put a security alert on my credit report and left it on for a long time I believe a little more than one year causing me to have lots of hard inquiries because automatically lenders think that the person is not the person who is applying due to the security alert. Now the security alert is off, but the consequences is that it left me with lots of hard inquiries on my credit report. I was denied credit because of this security alert that was on. Please have them to remove the hard inquiries from the past year since I already contacted the lenders and they said only credit bureaus can take hard inquiries off.

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 2020-05-12 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have filed several disputes with Equifax regarding errors that appear on my consumer report. I have sent letters of dispute and the items have remained. Equifax has claimed that some of the information was verified but failed to disclose how that information was verified despite the fact that my letter specifically asks for that information. The way Equifax does business is unfair to me specifically and people like me generally. It has caused me great distress and financial harm. I have suffered so much with Equifax ( the  data breach, reporting inaccurate information etc ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I never opened credit with barcley. I attempted to contact company several occasions to clarify debt on several occasions up to recently. 

In 2018 they sent me a letter stating they were unable to verify debt. Therefore according to legal Fair Credit This item needs to be removed from 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