vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI Credit card was fraudulently updated from XX/XX/XXXX. 
Finally after escalating with the CITI CEO 's the account was closed on XXXX after talking to multiple Fraud supervisors. 
But again on XX/XX/XXXX teh Credit card was reopened on a CLOSED account and even the executive office can not close teh account or don't know how to close the account. 

I have all written EMAIL proofs and now they started issuing notice to make autopayment. 
Sequence of Events : XX/XX/XXXX @ XXXX PM CST- Email and Phone changed- got it fixed-Online XXXX XXXX AM CST : Email, phone, address and security word got changed -- called and spoke for XXXX Hour -- but was not able to authenticate XXXX after taking for 1 hour around XXXX AM CST letter was sent XX/XX/XXXX : XXXX am CST : XXXX : Phone email mobile wallet balance transer flex loan last4 digitsXXXX call from XXXX : XXXX PM CST Ref : XXXX XXXX : XX/XX/XXXX : Security Word got changed : XXXX XXXX XXXX  : XXXX : XXXX : spoke at XXXX am XXXX XX/XX/XXXX XXXX 
XXXX : XX/XX/XXXX -- XXXX PM XXXX ; XXXX : 30 days request XXXX : XX/XX/XXXX XXXX XXXX  XXXX : Security Team : XXXX Fraud : XXXX Fraud : XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX ; ref # XXXX XXXX spoke wiht whom on XXXX per XXXX. 
XX/XX/XXXX : spoke at XXXX am XXXX XXXX pm cst XXXXXXXX all update were done to fraudalent email and phone ; XX/XX/XXXX credit card XXXX ; got XXXX alert raf XXXX Supervisor citi-XXXX XXXX XXXX XXXX POLICE Complaint with XXXX, TEXAS XXXX ahs been filed.

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 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Prior to the global pandemic, my mortgage was paid perfectly. This included additional money paid monthly towards the principal. At the onset of the global pandemic, like most Americans, I found myself out of a job. I requested a deferment with PNC bank during that time to ensure that I would not get behind on my mortgage. My forbearance was slated to end in XX/XX/2021, as such, I applied for a loan modification XX/XX/2021. I knew that I would be incapable of paying a balloon payment at the end. All of my documents were sent via fax and emailed by, XXXX XXXX, from the XXXX XXXX PNC XXXX and through email from me directly. On XX/XX/2021, XXXX month after submitting my documents, I received signature required XXXX package from PNC Mortgage ( attached ). This document advised that my loan modification had been approved for a conditional trial period. 
While, thankful, I was confused as the dates on the document were past tense. I contacted the representative on the documentation, she was unavailable so I spoke with another representative who advised me that I would receive documents with the corrected dates via XXXX and I would here from the assigned representative. Neither occurred, so I contacted PNC Mortgage on XX/XX/2021, via phone and email. During that call, I spoke with XXXX ( operator ID XXXX ) who advised that she could not release any information to me, although I had verified my identity, she assured me that I would hear from my assigned representative, and they had 30 days to respond. I advised that that time frame had almost doubled, and I was still awaiting a response. I confirmed that PNC had everything that they needed from me. 
I received a signature required document via XXXX from PNC Mortgage ( attached ) today advising me that my request for loan modification had been denied. I am flabbergasted. After reading the letter, It appears asXXXX if I was denied because PNC Mortgage is awaiting information from a third party. That is outside of my control. I should not be faced with losing my home because the mortgage company has failed to check off a box. I will file a formal appeal and submit it this evening, however, PNC Mortgage has failed to communicate appropriately, as such, I have zero confidence in their ability to rectify this situation and that is why I am submitting this complaint simotaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Better Mortgage, Inc.
State: IL

Complaint narrative:
I refinanced my home loan with Better Mortgage Corporation in XX/XX/2021. Better Mortgage Corporation told me to pay my monthly payment to TXXXX XXXX XXXX and I made my payments to The XXXX XXXX. I made my XXXX mortgage payment to XXXX XXXX XXXX  on XX/XX/XXXX. I received a notification from Better Mortgage Corporation that my monthly payment after XX/XX/XXXX should be made to a company called XXXX. Better Mortgage Corporation agents told me on phone and via email that the payment will be taken over by XXXX XXXX and that I should create an account on their site and make all my monthly payment starting XXXX to XXXX XXXX. So I haven't missed any payment and I paid the correct amount to the XXXX XXXX XXXX. But now when I log in on XXXX XXXX website, it shows past due payment for XXXX. After waiting for hours on phone to speak to the payment company, they wouldn't help and they told me to contact my mortgage lender Better Mortgage Corporation. Better Mortgage Corporation is trying to charge me TWICE for the XXXX month. I have emailed and called Better Mortgage Corporation many times and I have emailed them proof of my payment for XXXX but they have been unhelpful. I believe they are committing fraud and trying to scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have been experiencing extreme Identity Theft and Cyberstalking since XXXX XXXX Credit Reports have been accessed excessively via Experian. I put a Security Freeze on all my credit reports to help. 

Recently, XXXXXXXX XXXX to present, I have been trying to temporarily lift my security freezes. As soon as I go to set up the new account the security freeze has been put back on and not by me. 

Have called several times with no explanation and they claim there are no online accounts set up but that doesnt seem to be the case because I believe thats exactly how they are changing the security freeze status. 

Experian has basically refused to provide me with all my credit reporting information even though I have followed the proper procedures to request the information. They have given me repeated bogus excuses about all the activity on my report. 

I know who is doing this and need information from Experian to help get evidence. 

What kind of Criminal would put a Security Freeze back on your 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 non-monetary relief
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank froze my account and wrote a letter claiming they intend to close it. However they are refusing to send me the balance of my account of just over {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, XXXX, Bank of America ( " BoA '' ) reduced the credit limit on my mastercard from $ XXXX to {$750.00}. In response, I paid the card off in XX/XX/XXXX and shredded the card. I did not notify BoA that I was closing the account. Today, XX/XX/XXXX, I received a letter that my account is {$83.00} past due. When I called, I was told that they assessed the annual fee of {$79.00}, charged the interest, and the balance was now {$83.00}, plus they closed my account due to the delinquency on XX/XX/XXXX. I asked that they either : reinstate my account and credit limit of $ XXXX and I will pay the annual fee which would be for the XXXX year ; or they waive the {$83.00} charge, keep the account closed and remove any derogatory credit on my credit report ( XXXX ). The Customer Service person, XXXX XXXX, noted the account and advised that he would put in the request, but it will take several weeks to get a response, and it will mean that additional interest accrues and there is no guarantee that BoA will waive the fee or reinstate. This does not make sense. If BoA wants to charge an annual fee and expects you to pay it, then the account shoud be useable. If the account is closed, then they should not be paid the annual fee. It is common sense.

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 2021-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: TX

Complaint narrative:
I tried 3 times to close my deceased wife 's account with Xoom, a XXXX Service, over the telephone, but they continue to say the only way to close the account is by the account holder to close the account, per their privacy policy, so deceased persons accounts can not be closed. 
Why do I want to close the account? So I can open an account in my name with the email address currently associated with my deceased wife 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is for capital one 360 I had two claimes I filed Two packages were misplaced/stollen And I spoke to the merchant ( XXXX ) they refused to reimburse the funds even though their return policy clearly states they reimburse packages that arent received. I asked my financial institution to step in and they filed the skin for XXXX and XXXX for the items they refunded one item but not the other and I bought them the same time. They claim the company shipped the item and I agreed but I just didnt get the product which is why I asked for them to intervene. I just dont understand how they would honor the claim for one product but not the other when they were both shipped and bought together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! Information is fraudulent and I want it investigated and 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 non-monetary relief
Consumer complaint received 2021-12-01 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: KY

Complaint narrative:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! Information is fraudulent and I want it investigated and 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 non-monetary relief
Consumer complaint received 2021-12-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/21, I submitted a fraud claim for transactions on my credit card that I did not authorize. I received communication from XXXX Services that they are providing provisional credit and researching the claim in a letter dated XX/XX/21. I also received a letter dated XX/XX/21 that my fraud claim has been denied and I am responsible to pay for the transactions. The reason given to me for denying the fraud claim was that the transactions were conducted using a chip. I have a card and my son has a card and neither of us have lost our cards. I am only asking that the fraudulent charges be removed from my account and be reimbursed for my payment of these charges.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Management and residents at the XXXXXXXX XXXX XXXXXXXX XXXX have illegally and fraudulent compromised my accounts. Including stolen birth certificates and bank/credit accounts with out my permission. The credit sesame application noticed the illegal use of such actions and the illegal use of an XXXX by the medical department/authorities here in XXXX XXXX XXXX NV. And in doing so, notified me by an fraudulently charged transaction on my credit report for this incident.

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 2021-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ii was imoact by the equifax breach settlement my since 2017 they have pass my personal info to vartious agencies also my rec ort been mess up already file lots of claims and no responce

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello, so roughly a week ago I was hit with {$18000.00} worth of bank fraud on my capital one 360 bank account. I reached out to their fraud department to file a claim, since I did that, today I decided to call in the morning and the representative guaranteed me a provisional credit. XXXX hours after that I talked to a representative who told me that the information given to me was false. Then XXXX hours after that I decided to call one more time and the representative on the phone guaranteed the provisional credit within XXXX to XXXX hours. But then they flipped on me saying that the representatives beforehand provided me with false information. Of course, I made arrangements and planned on using that money to pay for rent, car payment etc. Two different representatives told me I was gon na receive it today and now I'm being told that was completely false. What should I do? I called XXXX XXXX XXXX XXXX ( spoke with XXXX ) and XXXX XXXX XXXX XXXX  ( don't remember the representative 's name ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised, Im currently on child support and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
Amount Needed to Reinstate Loan : {$73000.00} Select Portfolio Servicing offered me Forbearance through the pandemic and told me that I had to pay a Lump Sum on Pandemic Forbearance. I was in a Forbeabearance prior to the pandemic and was paying and then I was offered a Continued Pandemic Forbearance and after that my Default payments went from {$23000.00} to {$73000.00} Default payments to Reinstate my Loan. Select Portfolio refused to work with me on the Pandemic Loan Forbearance and told me I had to pay everything in one Lump sum, that that do not honor other programs to move payments to the back of the loan. They are requiring {$73000.00} from me to reinstate my loan so I will not lose my home and have referred it to the XXXX for foreclosure actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please be advised, Im currently on XXXX XXXX and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number 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 2021-12-01 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: FL

Complaint narrative:
Please be advised, Im currently on child support and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number 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 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Credit Karma, LLC
State: AR

Complaint narrative:
I received an email from credit karma money updating their terms. My concern is that it mentions Updating our mandatory arbitration clause that forbids class actions and precludes you from suing in court or having a jury trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have had a discover credit card for almost 5 years, never missed a payment. I enjoy their services so I decided to open a checking account. I did got my card, added funds to my account. Then i get a message saying my account was closed based on business decisions. No solid answers and that my money would get sent by check in 60 days! I have a reputable history with them so I do not understand why they treated me like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX ...., XXXX XXXX XXXX .... )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: MOHELA
State: AL

Complaint narrative:
I have old student loan accounts that should have been cleared with a bankruptcy that had been transferred around by the department of education and are now with Mohela. They had been updated as closed and are now showing that they are reopened again. After I went through the long process of getting them closed with the vendor. This loan for {$12000.00} should have been discharged and shows it was opened : XX/XX/XXXX; showed closed until XXXX XXXX XXXX ; now showing it open but comments still say closed. 

I also have student loans ( more recent ) XXXX or later that have been discharged and even after disputing them with the letter for the department of education, they are still reporting them as opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised, Ive tried explaining to Equifax XXXX XXXX and XXXX. Ive been a victim of identity theft. Ive sent in multiple disputes asking for debt validation. Ive also sent in FTC report. Im being told its coming back verified. All of the following accounts are fraudulent. 
Ive never down business with these companies or entered into a written contract with these companies. 

1. XXXX XXXX acct # XXXX 2. XXXX Acct # XXXX ( {$2500.00}, {$240.00}, {$72.00}, ) 3. XXXX XXXX Acct # XXXX XXXX. XXXX acct # XXXX

Company response to consumer: Closed with explanation