vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 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: TX

Complaint narrative:
I bought tickets to travel to XXXX through XXXX XXXX. Due to a change in the plan I had to cancel the trip. I cancelled the tickets ( purchased for 3 passengers ) in time as per their cancellation policy. Cost of tickets XXXX. Bought on XXXX XX/XX/XXXX. XXXX XXXX confirmed the cancellation and mentioned that there will be a penalty of XXXX USD per ticket resulting in a refund of XXXX. A cancellation number was provided. 

Date of Cancellation : XX/XX/XXXX Cancellation Confirmation Number - XXXX Ticket Number : XXXX Since then I have been contacting XXXX XXXX for refund which never came through. No response. Their ecommerce division is solely responsible for all refunds. No representation in USA, no offices no phone lines to take calls or answer my questions about refund. They all point to one email -> XXXX. They never responded. Recently after a long follow up ecommerce team responded with this email. 

================================================================== XXXX  XXXX  XXXX, XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me, XXXX, XXXX, XXXX Dear Sir We appreciate your patience but seriouly we did our bit instantly long back it is only between the acquring bank and your issuer bank who are delaying this transfer of funds to your acoount. 

Let them respond and action, we will come back to you. 

thanks regards XXXX XXXX On XX/XX/XXXX, at XXXX PM, XXXX XXXX XXXX wrote : Dear Sir, Reference your mail for credit we have taken, up the matter with our acquing bank. Since you had raised a dispute for refund as per process we have accepted the chargeback on XX/XX/XXXX for the amount of USD XXXX. When a dispute is being raised then facility to refund that transaction gets blocked on the system, henceforth we had accepted the amount. 
Now we have taken up the matter with concerned bank, request you to again contact your credit card issuer bank for current status for refund. 

We will get back once we receive a feedback from them on most urgent basis. 

thanks regards XXXX ================================================================ I had no other option but to dispute the transaction assuming Citibank will mediate this problem. Unfortunately they gave a credit of XXXX USD temporarily and put the charge back on my card saying XXXX XXXX already refunded the money. 

But till date as you can see from the emails I never got the refund. 

I also have the documentation where during dispute Citibank is provided a letter by XXXX XXXX stating that the refunds are issued and on the way. 

Today ( XXXX of XX/XX/XXXX XXXX it is 115 Days since the tickets were cancelled.

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
on XX/XX/2020, i sent NCB MANAGEMENT SERVICE a letter asking for the validity of the alleged balance of XXXX that i do not owe.I haven't receive anything from them concerning this account.please assist me in this matter and i have attached a copy below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
on XX/XX/2020, I sent ( LVNV FUNDING, LLC AND XXXX XXXX XXXX ) A LETTER REQUESTING FOR THE VALIDITY OF THE ALLEGED OF XXXX THAT I DO NOT OWE AND I HAVEN'T HEARD FROM THEM ABOUT THIS ITEM.I HAVE ATTACHED COPIES BELOW OF THE INFORMATION SENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 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: PA

Complaint narrative:
Hi, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are hindering me from getting the car and house I want. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
I am unable to contact XXXX MyLoanCare either through their website or by telephone for website assistance. In XXXX of XXXX they did not process my loan payment in a satisfactory manner. The charged me a late fee. I was able to contact them at the time by telephone and provided dates and information to dispute the late fee. They removed the late fee. In late XXXX I checked my credit report and they had reported me as being over 30 days late with my XXXX Payment. I have not been late with any mortgage payment in over 20 years. Nevertheless, I did not challenge their report at the time, even though they admitted by dropping the late charge that I was not late. In XXXX of XXXX, I was able to make my XXXX payment online, after much difficulty connecting to their site, Since they have proved to me they are unable or unwilling to process mail payments in a timely manner, I believe it is essential to make my payments on line to receive confirmation at the time of payment. I have not been able to contact XXXX.Myloancare either online or by telephone. Since that time I have not been able to get back to my account online, nor have I been able to reach anyone regarding my not being able to get to my account online with anyone at XXXX XXXX.My Loan Care either by phone or online. My impression is they seem to want to avoid customer contact to resolve any problem.

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I don't have an account with Capitol One, and don't hold a debit card with them. Nevertheless, I received an account statement with a balance of {$330.00} to be paid by XX/XX/2021. This is a fraud because I haven't done business with Capital One before, and I am not doing business with them. I am afraid that someone must have stolen my information. Please resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i have verified all appropriate means with my account number social and debit card number but the bank has frozen my account and states i need to go to a branch to verify my identity i am currently sheltering in place in XXXX due to conrona virus and cant visit a us branch i need access to my funds as this is my only source of money

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 2021-01-16 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: TX

Complaint narrative:
There is some errors on my credit report Already contacted Experian and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted XXXX XXXX XXXX About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

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 2021-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage company is forcing me to escrow for property taxes, even though I have already paid for property taxes. A property tax escrow was not a part of my loan agreement. I have called numerous times to complain and get the escrow removed / refunded, but they will not move. They continue to hide behind their " processes '', but in reality, they're holding my money XXXX in an escrow that was never agreed to and not needed ( since I already paid the county ). 

This has been a terrible experience. Every person I have spoken with, including the manager, has given me a run around. I have wasted so many hours on this problem and there is no end in sight. I'm extremely frustrated with Shellpoint.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A fraudulent copy of my debit card was somehow made at the Chase XXXX XXXX Bank through my use of the ATM there once in XXXX of XXXX. This fraudulent copy of my debit card or the card information was subsequently used three times - once on XX/XX/XXXX for {$130.00}, XX/XX/XXXX for {$160.00} and XX/XX/XXXX for {$98.00}, all at the XXXX XXXX  at XXXX XXXX XXXX XXXX, XXXX IL. I've never used this ATM. I filed a claim immediately with Chase Bank and they rejected the claim because it was an exact copy of my chip. The chip copy was entirely fraudulent, as I am the only individual in possession of an issued debit card. The bank customer service upon contacting them reiterated they only do a surface financial investigation and will not investigate further unless subpoenaed. I filed a police report on XX/XX/XXXX, report # - XXXX, and have heard nothing still as of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16 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: Medical Data Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a collection account was added to my accounts with all three credit bureaus in the amount of {$5300.00}. The reporting party is Medical Data Systems, and the original creditor is listed as XXXX XXXX XXXX. I have had services performed in the past at XXXX XXXX XXXX, the last date of service was XX/XX/XXXX. Due to the length of time since having had any communication from XXXX, and also having no familiarity with the debt in the amount reported, I disputed the account with all three bureaus. XXXX promptly removed the collection account ; however, XXXX and XXXX continue to report the account as open but disputed. Over the years I have made payments via self-pay and through tax return garnishment, in addition to any payments made through insurance. I have contacted XXXX XXXX XXXX and all their affiliates, and have an official written statement of current balance owed along with dates of service/services performed and associated charges. The amount owed by me, to date, to XXXX is {$3300.00}. I have also received notification from the SC XXXX of their intention to garnish my upcoming XXXX SC tax refund toward further payment of this debt. I contacted Medical Data Systems on XX/XX/XXXX to advise them of the discrepancy in amount owed vs. amount being reported on my credit, they stated that they are unable to alter the amount until advised by XXXX to do so. The {$5300.00} dollar amount is what is currently being reported to them by XXXX, with no payments toward the balance being indicated. I have since tried to contact someone at XXXX in regards to this matter, twice on XX/XX/XXXX and once more on XX/XX/XXXX, having left two voicemails after having been told by a billing rep that their office was unable to address the situation and to call a supervisor. It is unacceptable that I am having to make multiple, thus far unsuccessful, attempts to have incorrect information that is detrimental to me changed.

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 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Between XX/XX/2020 to XX/XX/2020, JP Morgan Chase stopped managing my investment account, which resulted in the loss of {$120000.00} due to the mismanagement, lack of supervision, trades, and other account management duties that were failed to be conducted by JP Morgan Chase. In addition to the investment loss during that time, JP Morgan Chase promised in sales promotions {$200.00} for new checking accounts, {$150.00} for new savigns accounts, and {$620.00} for new trade accounts. Both myself and my wife each opened all three of these accounts, met all of the promotion requirements, but JP Morgan Chase refused to honor or provide any of the sales promotions to us which they had promised us. To add further insult to injury, after disabling all of our newly opened accounts from their sales promotions which JP Morgan Chase refused to honor, JP Morgan Chase than spent over four months fighting us and the new investment bank we had chosen to do business with over them in preventing us from transferring our account from them which they refused to manage and were losing over a XXXX XXXX dollars on. In addition to all of these injuries, JP Morgan Chase also has confiscated {$20000.00} from our savings account, which to this date they have refused to return to us. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Company and its personnel conveyed unlawful charges and debt obligations to XXXX family that cause harm, stress, and frustration to the general safety and safekeeping of the people apart of the XXXX family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: TN

Complaint narrative:
Sent my collection information to a friend by email and also another email that is close to my email but slightly different. Very pushy and threatening people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
According to PARAMOUNT RECOVERY SYSTEMS, there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( PARAMOUNT RECOVERY SYSTEMS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to XXXX, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. XXXX responded with a letter ( see attachment ) showing only a balance and service date. XXXX failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditorXXXX XXXX XXXX released my medical records to this third-party collection agency ( XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
this is my 3rd attempt disputing this inaccurate informations off of my credit from the the CRAs ( XXXX EQUIFAX, AND XXXX ). my last letter was on XX/XX/2020 to all 3 and nothing has been deleted and i will consult an attorney to complete the process.i have attached copies of my letters below and thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: AES/PHEAA
State: NC

Complaint narrative:
Fedloan Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NC

Complaint narrative:
I do not owe this debt! I have disputed this account several times and it has been removed and keeps returning dropping my credit score. I do not owe a medical bill for {$500.00}! If I did I would have paid this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.

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