vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-20 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: PA

Complaint narrative:
I received a fraud alert from CITI on XX/XX/XXXX about a transaction in the amount of {$690.00} on XX/XX/XXXX which I did not originally recognize, so CITI cancelled my credit card and sent me a new one ( my current card ). A few days later, I learned that my granddaughter to whom I had given permission to use my card, had used it to make that {$690.00} purchase ( XXXX XXXX order no. XXXX ). So I called and informed CITI that the {$690.00} charge was legitimate. This charge correctly shows up on my XX/XX/XXXX statement as rebill cm accepts ( XXXX ) and of course I am not disputing it. 

Also, at about the same time, on XX/XX/XXXX, my granddaughter cancelled the order and got an acknowledgement from XXXX XXXX. Subsequent to this, XXXX XXXX credited 75 % of the {$690.00} charge ( amounts to {$520.00} ) instead of the full amount as the product had already shipped and their third party retailer policy was to charge a 25 % restocking fee ( amount of {$170.00} ). This is the credit of {$520.00} which shows on my XX/XX/XXXX statement. 

Subsequent to this, upon my complaining about having to pay the {$170.00} restocking fee, XXXX XXXX sent a XXXX XXXX gift card on XX/XX/XXXX to XXXX XXXX as she is the one who had placed the original XXXX XXXX order no. XXXX. 

Therefore, the {$690.00} amount was fully refunded through a credit of {$520.00} to the CITI Card and a Gift Card for {$170.00}. 

There is no purchase in the amount of {$520.00} from XXXX XXXX or any other merchant for that matter. As such, the charge of {$520.00} on my XX/XX/XXXX statement is in error and I am disputing it and asking for an immediate credit in the same amount. 

I urged CITI to contact XXXX XXXX to verify everything I have explained and to contact me if further information was needed. 

I have repeatedly called and wrote a detailed letter, attaching all relevant information but CITI has not responded and the issue stays unresolved. 

I want CITI to credit the {$520.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed when you fill up on the page of Equifax https : //www.alerts.equifax.com/XXXX ) that the social security number is not masked. I believe that sensitive personal data like social numbers should be masked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On or about XX/XX/XXXX my wife and I began the process of obtaining a mortgage for a four plex apartment building we planned to purchase. In the process of applying for the loan the loan officer filled out the application by doing an interview in person and by phone conversations with me. When we received the loan application to sign we discovered that some of the info was incorrect. Even after we tried to correct the info some remained incorrect. 
On XX/XX/XXXX or about a purchase agreement between buyers and sellers was submitted to US Bank and this started the application process. The purchase agreement contained all of the questions normally asked by a lender for obtaining a mortgage in Minnesota, however by XX/XX/XXXX US Bank requested that the seller complete a Seller 's Property Disclosure Statement. This was don and submitted to the bank by XX/XX/XXXX. 
Because of the repeated requests by US Bank for additional information that always seemed to be information we had already provided, I asked the loan officer and loan processor if they would tell me if they could n't or would n't write this loan. Their response was that they wanted to write the mortgage. 
Every time we provided documentation they requested, they would ask for something different. It was now XX/XX/XXXX. Because of tax liabilities my wife and I could no longer assume that we would be able to close the mortgage before the end of the year, and it became impossible to satisfy the requirements of US Bank. 
To protect ourselves we purchased the property on a contract for deed, and waited to hear from US Bank as to why it was so difficult to close this mortgage. 
I spoke with a number of leaders of the mortgage department, they were very polite and asked many questions. At the end of the conversations they promised to get back to us. 
On XX/XX/XXXX my spouse and I both received letters of denial from US Bank. These letters stated that there was not enough collateral for the loan. This is absolutely not the response we expected because that is a false and deceptive statement. We believe we were denied for some other reason, probably discriminatory. 
We have all the documentation for all contact we had with the bank including emails and texts. We believe that US Bank is being deceptive about the reasons for the denial and we believe they have broken the mortgage credit laws by this denial.

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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I logged into my Huntington bank account. I scheduled a " bank-to-bank '' transfer of {$2500.00} from my Huntington checking account to my XXXX XXXX account. Both of these accounts are in my name and appear identically on each corresponding statements. 

However, the transfer never arrived at my XXXX XXXX account. I contacted Huntington 's customer service over the phone and they said that they could not provide any more information over the phone and that I would have to come into a branch. 

Soon after, I noticed a deposit hit my Huntington bank account of {$2500.00} on XX/XX/XXXX, but it was on hold. I called customer service again and asked why it was on hold and they directed me to visit a branch. So, I visited a Huntington branch located at XXXX XXXX XXXX  XXXX, XXXX, OH XXXX. I spoke to a banker about the deposit hold and the transfer issue. I explained the situation noting that I input all of the information on Huntington 's website and I did n't understand why the transfer did not go through and even further why there was a hold on its return. The banker called another department of the bank while I was sitting there and inquired with me. She was notified on the phone that the transfer issue was due to names not matching on my Huntington account and XXXX account. I provided her a statement from my XXXX XXXX account that I was trying to send the transfer to and she agreed that my name did match exactly on both accounts. She said, after speaking further with the other department, that the issue would be resolved automatically and the hold on the deposit would be removed within a week. 

However, two weeks passed and the {$2500.00} deposit was still on hold. I called again and chatted online with representatives multiple times over the course of nearly three months and each time was told that no further information could be provided about the hold and that there was no estimate to when the issue would be resolved. It is now XX/XX/XXXX and the deposit is still on hold and I 've received no further information. It has been far too long at what originally was a very simple mistake on Huntington 's part by both my account and the banker I met with. I hope this issue can be resolved in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have several hard inquires on my transunion credit report I have contacted transunion they stated I needed to contact each company individually and tell them which took hours and still I have a ton of inquires including new ones that I did not authorize that I want removed from my credit report as it is harming my report. 
I also have a collection account on my credit report that XXXX and XXXX have already removed and it is still on transunion account. I would also like for this collection account to be removed 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 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card was skimmed somewhere in XXXX Florida, I had contacted the bank when I noticed the activity, but they were quick to only take 3 of the charges, I had to complain and have them do the rest of them, now in mean time i overhear the same thing with a neighbor how there card has been used and it was also still in her purse, so we both got talking and come to find out a machine at the bank had a skimmer on it, which allowed them to obtain our information, the bank refused to give my money back and has taken off the contact option online for me to deal with them, under my aggreement they are liable for that and the other claims and yet are very quick to deny any fault, but when two months before I hit the wrong pin code they locked my card and gave me nothing but a hastle, and also at that time i changed my address which they did not do as well all this activity was not my spending habits, and they said that they do not have to contact me for anything and declined to pay my money back, this is unjust Bank of America is really bullying everyone

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 2018-01-20 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: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

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 2018-01-20 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: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

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 2018-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group
State: TX

Complaint narrative:
On XX/XX/XXXX phone number XXXX called my cellphone and said they were a lawfirm looking for my son ( who is an adult ) on a personal matter regarding his social security and he needed to respond immediately. I called and told this woman that this is not his phone and not to call again. The number that you are told to call back on is XXXX XXXX. She tried to represent herself as a legal person and he had a personal matter that needed taken care of. I told her not to call my cellphone or personal phone number ever again because this is not related to me or my husband. She got very nasty and has not stopped calling my home phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My wife and I received a refund check from the IRS. Today, XX/XX/2017 AT XXXX XXXX I attempted to cash at our local BBT ( XXXX XXXX XXXX, XXXX, GA XXXX ). The teller, who identified herself as XXXX, refused to cash the check because my wife was not present and her name was not on the account. I asked to speak to the manager about cashing the check, and was told no manager was in for me to speak with. 
My wife 's name is not on the account because we tried to place her name on the account, but as her immigration status is pending ( she is legal and in the process of establishing permanent naturalization ) the bank refused to put her name on our account. My wife was not with me because she is the mother of XXXX young children, XXXX XXXX XXXX XXXX XXXX, and can not drop taking care of our children to hop in the car with me. 
I would have less of an issue with this, except for the fact BBT has cashed checks ( including from the IRS ) made out to myself and my wife in the past with no issue as long as my wife has endorsed the check ( this check was endorsed by my wife ). They deposited to my account and then gave me the cash back. 
For a resolution-please cash the check my wife has endorsed, even if it is just me in the drive through! I am happy to bring my wife 's driver 's license or paperwork, but it is difficult for us both to leave the house, put the kids in the car, simply to cash a 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 2018-01-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong No Name-XXXX past due amount missing Monthly payment missing No high balance Payment history missing XXXX XXXX-XXXX No high balance Payment incomplete also late payments are being reported when account is closed XXXX XXXX XXXX XXXX XXXX the account status is missing and the payment history

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 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I 'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I contacted all 3 credit report agency 's and informed them I was a victim of their " inquiry issue ''. And needed all of the credit inquiries taken off all 3 credit reports. They did not seem interested and pawn me off. I'm one of the real victims and not some person. Just trying to hack my credit report. Thanks for any help that can be given

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: TX

Complaint narrative:
I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation