vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-13 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: OH

Complaint narrative:
I have issue with Citi card that has been going one since last year. 
I made a purchase through citicard through a merchandise call XXXX XXXX XXXX. That was for tourism trip to be performed in XX/XX/2020. I canceled the trip and the merchandise refused to pay my money back. I filed dispute through citi and we discovered that the merchandise used my card to book for other people trip. This is fraud I asked citicard help and they were not helpful at all. I file a claim through XXXX wgo advised me to file claim through you. The merchandise clearly through the info provided by Citi card themselves used my card to book for other people. Indeed there was 2 transactions for which I filed dispute for both one was XXXX USD and the other one is XXXX. They accepted the dispute for the first one but not for the second one despite telling them I never authorized the merchandise to use my card for 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 2021-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
During my purchase of XXXX  phone on XX/XX/2020 at XXXX store online the tax amount shown as I will be charged was {$68.00} and after the transaction was completed my card was charged for {$82.00}. I have filed a dispute with Apple Card ( Goldman Sachs ) and they said they will reach out for evidence from me but didnt happen and after few days they said it went in merchants favor. So I filed a dispute again and they could not resolve. So I have paid off all the other balances in my card except {$82.00} and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: TX

Complaint narrative:
I have filed multiple complaints since 2017 regarding theft and fraud. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item WHICH MAY INCLUDE, BUT NOT NECESSARILY, contacting the furnisher of the information. However, I only receive " feel good form letter '' that don't accomplish anything. See last two replies from XXXX  and Transunion. I have filed affidavits and sheriff 's report. XXXX and Transunion send information and complaints to the furnsihers who in turn deny everything without investigating. I have sent information time and time again and then when I call they don't know what I am talking about.

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 2021-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened my bluebird amex card several weeks ago, and I set it up for receiving direct deposit into it. Recently my friend authorized me to make a purchase for him, since he was unable to receive it at his address. He added his debit card to my bluebird account as a funding source, and provide me with a power of attorney to use it. After that he transferred to my bluebird {$600.00}, and I transferred to it over {$100.00}, and bluebird sent me an email that they suspended my bluebird amex card, and by phone they told me that for remaining balance I had to write to Bluebird Customer Care XXXX XXXX XXXXXXXX XXXX, GA XXXX I'm expecting my direct deposit later this month, and I rely on it to pay for my rent and food, but the card is suspended, the customer service is in XXXX, and that address is registered for various prepaid cards with tons of negative reviews and bunch of complaints. 
There are multiple companies ' names with different phone numbers listed under that address, and nobody there knows what is going on, asking me to write them a letter to XXXX. XXXX XXXX XXXX, GA XXXX But their official address on XXXX  listed at XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: NC

Complaint narrative:
In XX/XX/XXXX, I had an account with XXXX XXXX. I was with XXXX at least since XXXX and did not enter into a contract with them since the initial 2 year agreement. When I didn't accept their offer to renew in XX/XX/XXXX and went to XXXX, they charged me a {$200.00} contract fee. I had no contract. They also did not cancel the contract when I first called to cancel. In XXXX Allied Interstate put a collection on my credit report reducing my credit score with this fraudulent debt. I even tendered a payment without the contract fee when I don't have to -- for accord and satisfaction. XXXX demanded the full amount. I disputed the debt with Allied and they provided an old bill but nothing substantiating the charges. They did not respond to my follow-up letter. This is fraud. I went to XXXX. They offered to buy out my old contract. Because I didn't have a contract, I didn't request a buy out. I attach my evidence. There was no consideration for a new contract. This is my last attempt to resolve this before I file suit.

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 2021-02-13 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: NE

Complaint narrative:
I was advertised and promoted to use the flex plan associated with the credit card company which allowed me to make fixed payments, with fixed repayment terms and fixed interest rate on certain purchases. 
I made regular purchases outside of the flex plan subject to my current APR rate for the month of XX/XX/2021. Flex plans were already existing and in place. 

Language in the statements says the following : " We apply any amount you pay above your Minimum Payment Due first to the balance with the highest APR, the to the balance with the next highest APR, and so on. '' I made a payment on XX/XX/XXXX and XX/XX/2021. One payment was for my minimum balance due and the other was for my outstanding purchases. My outstanding purchases payment was applied to the flex plans that had a lower interest rate than my outstanding balance.

I tried to resolve the issue multiple times with the credit card company and was met with multiple different and inconsistent reasons why the payment was applied the way it was, hostility from customer service, hung up on by customer service, told the issue would be resolved and I would be sent written correspondence 5-7 in the mail explaining the issue being resolved, instead the issue wasn't resolved and I received a letter explaining how payments are applied in general. 

Issue is still not resolved, company unwilling to offer a solution or comprise to fix issue despite bait and switch tactics that should be reviewed for Unfair, Deceptive, and Abusive Acts and Practices ( UDAAP ).

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 2021-02-13 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:
The big 3 ( XXXX, XXXX, and transunion ) has not performed independent investigations. I sent letters and notified ( XXXX, XXXX, and Transunion ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

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 2021-02-13 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: OH

Complaint narrative:
I made a purchase through tourism company called XXXX XXXX on XX/XX/2020 and XX/XX/2020. With a total of XXXX. I asked the bank to dispute the charges as the merchandise is not returning my money. I tried to call the merchandise multiple times but he is not answering. I sought the help from Chase but they did not help at all to dispute the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
A company called Credence keeps calling my inlaws home claiming I owe a debt. They will not state what the debt is about or what amouny is owed. This happens several times a day, and my inlaws have repeatedly asked them to stop calling them. I know this is fraudulent, because they never ask for me by my legal name which is what I always put on all of credit appications and forms. They always ask for me by my nickname that family and friends address me as. I have also never recieved contact this company via mail. The number they always call from is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: DC

Complaint narrative:
I am writing to lodge a complaint against what I believe is unfair and highly unprofessional conduct on the part of Amerisave Mortgage Company. On XX/XX/XXXX, I initiated a refinance application ( Loan # XXXX ) for my home with XXXX XXXX of Amerisave ( Loan Originator NMLS ID # XXXX ) and XXXX XXXX XXXX Processor at Amerisave ). I paid the {$500.00} fee that XXXX XXXX said I would recoup at closing, promptly uploaded my financial information, and signed all disclosures. Like my previous home loans and refinances, I assumed the entire process would take 3-4 weeks. However, the process with Amerisave took a total of 6 months. My load processors XXXX XXXX and XXXX XXXX ignored the multiple e-mails I repeatedly sent to them, and did not return my phone calls, making this entire process extremely frustrating and unprofessional. 

On XX/XX/XXXX, I finally received a notice from Amerisave that my loan has been rejected, due to " excessive obligations in relation to income. '' This makes little sense to me for a variety of reasons : 1. The Original Loan is {$470000.00} and the appraisal was {$770000.00}, and my my application with Amerisave was for {$490000.00}.

2. I receive {$5000.00} of monthly rental income on the property, which exceeds my monthly mortgage payment by a surplus of about $ XXXX/month. 

3. I have been employed as a XXXX  with the State of Maryland for 25 years with an annual salary of {$80000.00}.

Aside from my mortgage payments, the only other financial obligations is my car payment and credit cards -- neither of which have ever been in default or had late payments. In fact, I have never defaulted on a loan or had negative marks on my credit report.

With no communication from Amerisave over the past 6 months -- other than automated e-mails -- I have no idea why my loan application was rejected on these grounds, and it's clear that my case was improperly handled. 

Moreover, on XX/XX/XXXX, Amerisave conducted a 2nd hard credit check -- without my knowledge or consent. This is beyond unprofessional, and unless proper steps are taken by Amerisave I will pursue my legal options.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13 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: TN

Complaint narrative:
Experian notified me at the end of XX/XX/XXXX that a company pulled a hard check on my credit. The explanation was that I had request credit with this company. I had not. The hard pull will remain on my credit for 2 years. The company requesting information was XXXX XXXX XXXX. My account with XXXX was pain in full and closed by me XX/XX/XXXX. I did not request more credit. Im fact my payments were delayed with their approval due to being in good standing. Covid, a natural disaster, hurt my ability to sell XXXX  that I make and that earned money paid my XXXX XXXX Bill each month. People were out of work and were not buying unnecessary pretty floral arrangements. I had to pay my rent before a XXXX bill. XXXX told me that they would not lower my monthly pmt. I ended up paying this Bill completely off 12 months in advance after never having a late payment until Covid. I pulled together every penny I had. There was no reason at ALL for this company to do a hard pull on my credit which hurt it.. months after the account was paid off and closed. 

Just this past week I discovered I had been a victim of identity theft. My internet did not work. I called a customer service number for XXXX and the representative guided me thru a process of installing an app on my phone. He sent me IP addresses who had accessed my credit and identity and told me I had to pay XXXX dollars to him to fix it! I immediately hung up. I have the phone number. This person accessed my Experian Credit and tried to open another credit line with XXXX XXXX XXXX in my name. I immediately notified Social Security and FTC. 

I have now had to freeze all my credit. Experian refuses to let me show them the documents of how my identity was stolen. I have submitted many request to them. They no longer will let me submit anything!

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 2021-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported on my credit with a remaining balance of XXXX XXXX I file for dispute threw XXXX I also sent a police report still no Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My mortgage was purchased by PennyMac. After buying my mortgage, they sent a letter threatening to buy force-placed homeowner 's insurance given that my coverage was not enough under the terms of my mortgage/deed of trust. They did not provide any evidence to support this claim - I met all requirements from my original lender and PennyMac bought my mortgage from that lender within a month of me receiving that loan. PennyMac is making it exceedingly difficult to talk to someone about this. They have no email where I can contact them, only a fax. The phone number they provide has a recording that makes it impossible to talk to someone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I requested an extension on my COVID-19 forbearance plan on my FHA Mortgage from PHH Mortgage. 

On XX/XX/XXXX XXXX PHH Mortgage responded " Dear XXXX XXXX Please be advised we are unable to enroll the account under the Temporary Hardship Forbearance Payment Plan as the account is in foreclosure. '' I have copied and pasted from the Department of Housing letter issued XXXX XX/XX/XXXX. 
The U. S. Department of Housing and Urban Development Mortgagee Letter XX/XX/XXXX states " Moratorium on Foreclosures and Evictions and Extension of Deadlines FHA-insured Single Family mortgages, excluding vacant or abandoned properties, are subject to an extension to the moratorium on foreclosure through XX/XX/XXXX. The moratorium applies to the initiation of foreclosures and to foreclosures in process. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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: OH

Complaint narrative:
I made a purchase from furniture store on XX/XX/20 Called XXXX XXXX XXXX. The furniture store has been delaying delivery and putting off things since last year. The store finally delivered part of the furniture but not the other furniture I bought from. The store has charged me XXXX and delivered me a furniture of worth of XXXX so I still have outstanding balance with the store for about XXXX dollars. I have talked to the store multiple time and asked them to refund they are not answering. They blocked my number. They are not responding to my emails. 
I spoke to XXXX card seeking their help but they said they can not do anything becuase the purchase has been for more than 120 days. Well because of the pandemic and everything going on the merchandise has putting things off. I tried to file dispute they will not allow me. I called them and they refused to help me

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 2021-02-13 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: FL

Complaint narrative:
The big 3 ( equifax, XXXX, and XXXX XXXX has not performed independent investigations. I sent letters and notified ( Equifax, XXXX and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13 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:
The big 3 ( XXXX experian, and XXXX ) has not performed independent investigations. I sent letters and notified ( XXXX, Experian, and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

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