vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Date of purchase : XX/XX/XXXX Amount : {$660.00} Company : XXXX XXXX XXXX Citi Case  # XXXX Summary : I filed a dispute with XXXX XXXX XXXX  with my credit card after numerous attempts for a refund with them. After many months of communication back and forth, Citibank decided to rule in the merchant 's favor despite hard evidence that the merchandise being returned and their failure to receive all documents needed despite be given to them multiple times. 

I submitted a dispute with the merchant on XX/XX/XXXX after trying to return the merchandise to the store and dealing with their customer service. On XX/XX/XXXX the item was delivered to XXXX XXXX XXXXXXXX. A refund was not issued due to the merchant claiming that the item was not in the box when it was returned. I followed up with the merchant and explained to them it was a mistake on my part and I would need another label reissued to me to send back the correct item. I did receive this label from the merchant with the same tracking #. I repackaged it and received proof from the shipping company that it was returned. On XX/XX/XXXX, I dropped off the package back to XXXX XXXX XXXXXXXX with tracking # XXXX with the item being delivered back to the merchant on XX/XX/XXXX. The merchant insists that they never received the item back which led to the chargeback despite explaining to both Citi and XXXX XXXX XXXXXXXX that they gave me the same label hence the confusion. Citi ultimately decided in the merchant 's favor on XX/XX/XXXX and gave me no recourse and said their decision on the matter was final because the merchant 's bank decided it was 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 monetary relief
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have an account with Robinhood LLC an online broker, which I've used sparingly over the years. I have no issues with depositing money through my attached bank account and I have two factor authentication for security. I have been trying since XX/XX/2021 to close this account then again XX/XX/XXXX I reached out to customer service then again XX/XX/XXXX I reached out again. Not until the XXXX of XXXX did they say they would escalate this matter. I simply wanted to close my account but they are sending me requests for copies of my social security card, my license, my bank statements. this has nothing to do with closing an account that is in good standing with NO report of fraud on it from me. I was never locked out of my account and there is zero reason for them to delay letting me transfer my cash out of their brokerage and back into my bank that is attached. If they are trying to keep XXXX I find that extremely concerning. My complaint is they won't let me close my account and for the reasons stated above I feel just in my cause to have this rectified without additional hoops and delay my transfer another month. 

I expressed to them quite vividly I do not trust them with the unnecessary information they are requesting because companies are selling consumer information to the marketing affiliates and ransomeware attacks these financial institutions seem to be victim to. It is my right to protect my identity and without fraud claims on my account and myself having full access, I should not have to provide additional details to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I sold my home on XX/XX/2021. Later I received a call from the lender, NewRez Shellpoint Mortgage Services telling me the title/escrow company had not sent enough money to close the loan. I reached out to my escrow agent at XXXX XXXX XXXX and they double checked on the phone that they sent the amount in the Payoff they received. I forwarded on the information, and telephone number of the agent that called me from NewRez Shellpoint. They spoke one time and were suppose to receive additional documents. They never received anything and have continued to reach out to this agent with no reply. I have attempted to reach this agent with no reply. I am being charged around XXXX dollars interest a day. This amount left is on my credit report and potentially damaging my credit. I need this addressed. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Healthcare Collections, LLC
State: AR

Complaint narrative:
I got a credit strike for debt XXXX XXXX reversed after an investigation into unauthorized billing. Its from a location I do not live in. I moved to XXXX  in XXXX of 2020. I have a XXXX  and XXXX. They obviously did not know you have to send mail or make contact before reporting a collection to a chapter XXXX protected individual. File # XXXX XXXX XXXX XXXX  XXXX. I had billing fraud from XXXX Hospital in XXXX. XXXX XXXX XXXX XXXX  attempted to collect for a preemployment physical and then a XXXX  XXXX. XXXX  swept it under the rug but he has more complaints, and licensure investigations for having XXXX with patients, XXXX  use, and HIPAA VIOLATIONS. I have a great XXXX  team and a great attorney who has advised to report this as fraudulent credit collections. I will sue them in court for unauthorized credit card billing, identity confusion, signature forging, and illegal collections of a bill not received. I am contacting you because of the threats in the past. XXXX  XXXX  collected from them money they investigated for running a card for payment 400 miles away. I am reporting a violation of federal law. I will be happy to produce evidence of such.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Opened an account with Bank of the West under the promotion of receiving {$250.00} after setting direct deposit from employer for {$500.00}. When I opened the account, I confirmed with the bank if I would receive the promotion and got an affirmative answer. After completing the terms of the promotion offer, when I called the bank to inquire about it, I was told that the promotion code which I used was already used by someone else and so they can not honor the promotion terms.

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 2021-05-20 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: WA

Complaint narrative:
I had disputed discrepancies and Inaccurate information on a charge off account with XXXX. XXXX  stated it was verified but the inaccuracies and discrepancies still on my XXXX  and Equifax. XXXX  shows : Acct # XXXX Opened XXXX XXXX Original Amount {$3200.00}, status date XX/XX/XXXX, payment status charged off it does not state how much was charged off, balance {$17000.00} is incorrect, terms 37 months, individual acct, it does not state last day of activity. My Equifax shows : Account XXXX date opened XX/XX/XXXX delinquency first reported XX/XX/XXXX, date of last payment XX/XX/XXXX, XX/XX/XXXX account status charge off, Individual acct. terms frequency monthly, term 39 months or different, original balance was {$3200.00} charged off {$2400.00} states Balance is {$13000.00}. it does not state last day of activity which is the FCRA states that all credit information she report accurate with no discrepancies and consistent on my credit report. these are reporting inaccurate with discripancies which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hi, I am trying to refinance my home with Truist. I have never made a late payment and the home us worth about {$1.00} XXXX on a {$360000.00} mortgage. I began a refi in XXXX. 

But when they found out I am single and own my own business ( I am a journalist and author, I employ myself and one other person ), they began to harass me with request after onerous request. Two weeks ago they asked for a {$5000.00} P & L statement certified by my accountant ( i had already given them 3 months of bank account starements and a P & L from my bookkeeper ). I objected and said I would provide personal and business taxes. They agreed. Today they asked for my personal and business taxes by Friday or they would cancel the application. ( My personal ones are complete but still working on business apparently this giant bank does not realize business taxes were not due on the XXXX ). They have cost me tens of thousands of dollars as I have delayed repairs on my house ( replacement windows ) that I need to pay for thru a HELOC. ( It took them 3 months to get a payoff amount ). And I have incurred extra costs thru my accountant. They also asked for a letter from her, which she told me is illegal under Dodd Frank. 

My small business is thriving In fact you can see that I have just published an XXXX bestseller, foreward by XXXX XXXX. 
I am also an XXXX fellow. 

This is harassment of a single mom small business owner, pure and simple. I am exactly the kind of person our banking system should support.

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 2021-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CA

Complaint narrative:
Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: IA

Complaint narrative:
Equifax isn't updating my credit report. Its been over 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: DE

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for SBA EIDL advance XXXX of XXXX. I was approved and received funding into my Chase Bank checking account. I went to the branch the morning of my deposit, XX/XX/XXXX, to make a withdrawal from my account. I was told that my account was froze and to come into the branch to speak with the branch manager. He proceeded to tell me that I need to provide proof of business. I drove home to get my paperwork and return right back to the branch to provide my documents. I was told that my documents were submitted and that I would receive a call in 24 hours. I never received a call so I went back to the branch. I was told that unfortunately my funds were returned back to SBA and my account was closed. I proceeded to contact SBA and they specifically said that they do not receive returns and are unable to request a return once funds are sent to bank. Now XX/XX/XXXX I received a email from SBA notifying me that I am eligible for targeted advance funds but when I access my application it says that I received a {$10000.00} advance to MY Chase Bank checking account. I called SBA and explained the situation that happened XXXX of XXXX and they explained that I would have to get in contact with Chase Bank whom is now telling me that my account was closed at a {$0.00} balance and they are unsure where my funds have gone. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: VA

Complaint narrative:
I have filed a fraud alert on all 3 of my credit reports and am trying to get fradulant inquiries off my record and customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried to correct payment with a credit card company belive it was Citibank. They couldn't retrieve or find an account they keep transferring me to different departments only to be told the same thing. Theirs a charge showing on collections for this charge. This charge keeps hurting my credit when i tried to straighten out. They should pull this charge from my account since they cant locate one never should have been sent to collections.

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 2021-05-20 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: CA

Complaint narrative:
Equifax credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 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: EQUIFAX, INC.
State: MA

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I received a letter last month stating my account was closed. Because Citi bank failed to close my account correctly the first time my stimulus check from the IRS was deposited into that account. They sent me a letter stating they were closing my account but never sent me my stimulus check The stimulus check was in the amount of XXXX {$1200.00} for me and XXXX $ for each of my children. The IRS is stating they sent my stimulus check to that account but I have not had access to that account since XXXX of 2019. It has been several months this bank has been holding my money. They hang up in your face when you try to call and give you little information.

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 2021-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My bank says to fill out form for hardship circumstances and i never hear back. Unfortunately have to overdraw account at times live month to month on XXXX hard to find part time job with injury and Covid made it extremely more difficult. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20 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: CCS Financial Services, Inc.
State: TN

Complaint narrative:
Credit collection ( XXXX ) inaccurate reporting not listed under XXXX  and XXXX XXXX is not reporting anything on my credit report XXXX XXXX Vehicle Loan that was charged off it does not belong to me, it is a result of Identity Theft, there was a fraud alert placed on my account in reference to this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation