vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
XXXX of XXXX I started a repayment program for a missed mortgage payment. This program was approved and started by the Huntington Mortgage representative and I completed this program in XXXX, the XXXX was my last repayment. Upon calling the provider, I was informed that the repayment plan was set up incorrectly? And I would need to start another or go on some home saving program. This is totally unacceptable to me as a consumer I have completed my part of this process, it is not my fault that they set up the program wrong under the wrong parameters. My account should be current as they stated it would be upon completion of this program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The Department of Transportation has reported false information and statements regarding this debt. I was cleared for no wrong doing regarding this debt. I responded to the lawsuit to attend court and the Department of Transportation never contacted me or responded to my response and continued to look for money that I do not owe. This is a 3 year old debt and out of state. The incident this sent took place was in Michigan at the airport. Please remove this false allegations of debt owed off of my credit report and please ask this company to stop harassing me for debt that is not owed.

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 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/ I placed an order at XXXX which was about {$350.00}. I did not receive my order. XXXX was unable to refund me and they told me twice to dispute with my bank for my refund. Which I did. Chime bank will not refund me. Customer service does not answer the phone. I have proof of XXXX stating id be refunded. I have given chime well over 60 days to fix this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello i have tried to get the citi bank to take action i was told to file a complant which i did and it was denided i reported my cards lost/stolen my account was scamed by someone using a check of XXXX in my name they used my debt card deposted the check and tried to sent it thru XXXX or XXXX im not to sure. When i called to tell the bank this was not me they said they had canceled the activity but now they said my account was on negative and locked my accounts and they tell me to file another claim but they are still denying it i dont have this kind of money to pay the bank i dont know what to do please help me thank you

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had an additional credit card I did not apply for linked to my Chase Account when I logged in this morning to check my credit card I do have with them and make sure I made the payment. I then checked my email confused on why I had a card under my account that I did not ever apply for and found that I received an email this same day stating my application for a Chase Freedom Credit Card was approved and the card would arrive in 2-5 business days. Twenty minutes later I received an email stating my paperless billing was enabled by my request for this card. I did not do these things- apply for the card or enable any type paperless billing for a card I did not apply for. I called Chase bank and they confirmed the card was applied for and approved. While verifying my personal information they disclosed that the address the physical card was being sent to was not the address that I provided to them for myself -- which I gave them my permanent address. They confirmed that this application was fraudulent and that it was applied for in the last 1-3 days and that the application was approved this morning. I caught it just in time! The card has been cancelled and I have reported the fraudulent activity to the credit bureaus as well per Chase Security Teams request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank scammed me out of my atm deposit!! I deposited {$230.00} but the atm took XXXX & gave me back {$110.00} and told me to call XXXX ( XXXX ) XXXX to see if my deposits goes through which it didnt do I gave them a call & they goes to tell me I will get my money in 10 business days which is absurd! I was depositing money in my account to pay a bill that was charged to my card but since chase took half my money with no problem my account isnt sitting negative $ XXXX dollars!!! They are simply going charge me a {$35.00} or more overdraft fee on purpose because this is the malicious practices that they do & This isnt the first time this has happened! They didnt care that I had an bill to pay & that it would be been paid if their atm didnt eat my money!! Im sick of chase & their malicious practices they need to be stopped! Last time this happend I had my money back within 2 hours & thats what I was told yesterday once I spoke to someone but I wake up today and my account still negative?? They guy tells me today I have to wait 10 days! So what is it 2hrs or 10 days??? They dont even know! This is sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Medical-Commercial Audit Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, I was sent an email stating that accounts have been closed. I spoke with XXXX in the MCA Management office and she stated everything had been cleared. However, even after contacting the bureaus they are still showing on all 3 reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: CITIBANK, N.A.
State: WI

Complaint narrative:
We opened a Citi credit card around spring of XXXX. Fraudulent charges started within the 1st month. We contacted Citi ; they closed account and issued new card. All the transactions made on this card were fraudulent. All but 2 were removed by Citi. We've been trying to get this removed since last Fall.

Citi phone records will show detailed records of many dozens of calls from us to many of their representatives to include Fraud, Customer Service, Security, Technical Assistance, etc. to our last call on XX/XX/XXXX with XXXX, then XXXX, in which we were told to call the Fraud Dept., again. We told them we were done taking the endlessly considerable time to resolve this and would contact the CFPC and issue a complaint. 

We started to document phone requests to Citi resolve this year and wrote Citi on 2 occasions in order to resolve these last 2 fraudulent charges. The first letter was sent by email on XX/XX/XXXX. The second letter was sent by snail mail on XX/XX/XXXX. We never received a reply to our XX/XX/XXXX letter. 

Citi recently reported our refusal to pay to the 3 Credit Bureau Agencies which has seriously reduced our credit score over an issue that does not even exceed {$100.00}. This is irresponsible, reckless and seriously economically harmful to us. 

We've done everything we can to get this information corrected with Citi but their Online Dispute process is faulty and resulted in an inaccurate description in their dispute resolution response. Every one of our many, many conversations with Citi Representatives is positive and fruitful but the problem lies with Citi 's reliance on resolving disputes online only.

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 2023-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have tried several times over the past few weeks to make payments online. They have once again blocked my account from taking payments. I have emailed my account manager and ask them to unblock the account however, that has not been done. I also have tried for several days now to fill out the Mortgage assistance application on their website to ensure that my account does not go into foreclosure, however their website keeps looping around giving an error message to fix any errors then submit. There are no errors to fix on the application, I have re-entered the information over and over yet it still will not accept it! Select Portfolio is once again doing everything they can to try and foreclose on my property just as they have in my past two complaints about them. I do not understand how they expect anyone to make mortgage payments when they block their accounts from accepting payments. Then have such a horrible system that you can not fill out their online forms and submit them like it says you can. It is time for someone higher up than Select Portfolio Servicing to step in and make them fix these issues that are constantly recurring. As I have seen from the XXXX XXXX XXXX and online reviews, I am not the only one they continue to do this too. It is either neglect on the part of customer service or intentionally done to force foreclosure and add additional fees. I should not and will not pay fees due to their illegal business practices that they continue to do over and over. Nor do I have the time or energy to continue this cycle with them. I want them to fix the site and accept my payments online. I do not have additional funds to pay XXXX XXXX  fees, bank wire transfer fees etc, When I should be able to make a payment online on their site like every should. I want them to be respectful to not only myself but others and do what they are legally suppose to do. I have said previously I want them to sell my account to XXXX XXXX or a more reputable mortgage company because I am fed up with them. They need to do so because this is absolutely unacceptable business practices on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. PERSONAL LOAN I NEVER WANTED. XX/XX/XXXX. XX/XX/XXXX NEED ACCOUNT REMOVED SOON AS POSSIBLE ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
this is my prior complaint XXXX they did not address the issue in that complaint but my complaint was closed anyway. 
I would like you to look into this further. Their response is first, a lie, XXXX XXXX never said they may not honor the check. Secondly, they already said this nonsense prior to me filing a complaint. Third, the response does nothing to address the issue that they had the funds-the funds were released to them by XXXX the same day the deposit was made, yet, they held onto that money for 10 days. Its not as though XXXX  did not release the funds and said " wait a minute, lets see the check '' No, they released it right away. 
The letter also says they can contact the other institution and see if it cleared and release the funds early. That is not what they told me, they told me there was no way to lift the 10 day hold. 
Then after all of this, they back dated the deposit to make it look like it cleared on the XXXX. 
All of this nonsense and lies just makes me more upset. 
Please insist on a response with documentation from XXXX saying they may not honor the check.

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 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2023 I received a late fee and interest on my credit card ( gm rewards card Marcus by Goldman Sachs ). I had previously called and requested a statement for the month of XXXX ( which I never received ), I received a letter with a copy of my statement ( the due date was XX/XX/2023, the date on the letter is XX/XX/2023 ), I have never had a problem receiving my statements in the past, I called 3 different times over 2 months before I received the first copy, I paid by phone the statement balance on XX/XX/2023, I was told they would remove the late fee because they could see where I had called twice asking for my statement, on XX/XX/2023 I received a statement with late fees and interest, I called and questioned the charges ( there has been no activity on this credit card since XXXX ) I was told I had to pay the late fee and interest on the late fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XXXX/XXXXXXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XXXXXXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX/XXXX  Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XXXX/XXXXXXXX  Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX XXXX  Date : XX/XX/XXXXXXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XXXX/XXXXXXXX  Late payment date : XXXX XXXXXXXX XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

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 2023-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Transunion conduct an investigation on an account XXXX XXXX  which appears in my TransUnion Credit file . As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Transunion did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.

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 2023-06-01 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: NY

Complaint narrative:
I have TWO letters from XXXX stating the marks on my Experian Credit Report for XX/XX/2020 and XX/XX/2020 are inaccurate The other two agencies have the information REMOVED I have contacted Macys NUMEROUS times as well as Experian Each time I am told over the phone the items will be removed as not only as they in-correct but they were also during NATURAL DISASTER ; lockdown here in New York . 

This violates New York State Law XXXX is saying they removed the data in 2020 BUT it is still appearing on my Experian Report as a NEGATIVE items, late for XX/XX/2020 and XX/XX/2020 How do I get this REMOVED????

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 2023-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made five payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows 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 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
XX/XX/ 2023 a imposter claiming to be an agent from XXXX XXXX call me and said your paperwork came across my desk and Im going to approve this forbearance plan all you need to do is to follow my instructions we get you back on track. Yes so happy to hear all the headache I was going through was finally over I send the 2 payments as instructed. 
When I was on the phone with XXXX XXXX which was his name I told him to hold on a the real agent from XXXX XXXX had called I told them to please allow me to click them in together thats when I found out XXXX XXXX was a scammer. He knew Everything about me. Im out of money which I know I will never get back but the number is in order still and they preying on innocent people.

Company response to consumer: Closed with explanation