vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 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: MI

Complaint narrative:
In XX/XX/2020, I signed up to try XXXX XXXX XXXX. I never received a copy of the contract, so I contacted the company to cancel. I was able to cancel with XXXX XXXX XXXX and asked that they put through a credit to the Citibank Credit Card I utilized. Instead of putting through a credit for the initial payment. XXXX XXXX XXXX keeps charging my Citibank ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020 ). I was able to dispute the XX/XX/XXXX charge with Citibank but unable to dispute the XX/XX/XXXX, and XX/XX/2020 charges. I have contacted both XXXX XXXX XXXX ( XXXX, XXXX and XX/XX/2020 ), and spoke with customer service about issuing credit for the XXXX. 
Next, when I have reached out to Citibank customer service, due to COVID 19, I waited on hold, and when I made contact -- the customer service representative hung up on me. Due to this, I wrote a letter in XX/XX/2020 asking that the XXXX XXXX XXXX credit be addressed. Which no movement has taken place. 
Also, back in the beginning of XX/XX/2020, I had a XXXX credit carry forward on my XX/XX/2020 statement. Someone at Citibank changed my credit card, account number previously ending in XXXX to XXXX without my consent, and when they changed the card. The balance disappeared also.

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 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank will not allow me to connect my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am submitting this complaint against HSBC Bank for closing my accounts for retaliation against me. 

In the past, I made complain against HSBC Bank for not resolving fraudulent purchases on my credit card, complaint number { XXXX }. HSBC never respond to that complaint, but go ahead closed all my accounts with them ending XXXX and XXXX. Stating that after reviewing my accounts they decided to end a relationship with me. I called and ask HSBC to give a reason why they decided to closed my accounts, but they never give me any answer. 

In my opinion, HSBC closed my accounts for retaliation and violation of the fair credit rules. 

I am requesting this department to take appropriate action against HSBC Bank to protect my rights. And also request HSBC Bank to bring all the balance on those accounts into XXXX because they have violated the terms of those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I have refinanced my mortgage from XXXX  XXXX to Loan Depot in XX/XX/2020. Closing date was XX/XX/2020, Disbursement Date was XX/XX/2020 and my mortgage with LoanDepot went to FUNDED status on XX/XX/2020 but my old lender XXXX XXXX received the funds on XX/XX/2020. My previous mortgage got closed on XX/XX/2020. I ended up paying for 2 loans for >25 days. During this period, I followed up multiple times with loan officer XXXX XXXX, calls were never picked and voice message were never responded but to my emails, i got few email responses back during this 25 days period ( from XX/XX/2020 to XX/XX/2020 ). Response i  got from XXXX XXXX was " The title company is working on the disbursement with our funding department '' and few days later " it has funded on our end we are just waiting for the title company to make the disbursements '' and the other " My manager and director have escalate and confirmed that the disbursement from title will take please tomorrow and no later ''. I followed up with closing attorneys ( XXXX XXXX XXXX XXXX XXXX XXXX ) during this period. Response from Closing attorney was that they are yet to receive Funding papers from Title company ( XXXX XXXX XXXX XXXX XXXX ( XXXX ) ) which are not customer facing and closing attorney suggested that i need to follow up with my loan officer. I was also responded in email by XXXX XXXX that " Mr. XXXX and we would cover all charges due to delays with funding ''. But as per final settlement statement and other documents, I am paying double payments, one to XXXX XXXX and other to Loan Depot for this period ( XX/XX/2020 to XX/XX/2020 ). I have reached out multiple times to Loan Depot Customer service and Loan Depot Servicing departments as well. Loan Depot Servicing department redirected me to Loan Depot Origination department where as Loan Depot Customer service has not resolved my issue and i am waiting on answers from them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a checking account online with SUNTRUST ( after moving to XXXX from XXXX to be close to my family during the pandemic ) and during the process, requested a funds transfer from my old bank in XXXX to fund the account. Over the subsequent 14 days, this new account was flagged for 'fraud ' 3 times and 3 times I called customer service and 'resolved ' the issue. I spoke to my bank in XXXX, and they said they were not flagging the transaction and everything seemed okay from their end. This also included one trip to the branch to 'verify ' my identity - the branches are not 'open ' but will do transcations through the drive-through. The final phone call - after spending another hour on the phone, the woman told me I would have to go back to the branch again and verify my identity again. I asked that my checking account, still unfunded, be closed and she said she couldn't do that because of the 'fraud ' but that the account would close on its own. I gave one final effort and contacted my local branch via the phone, twice over a 3 day period, to see if they could help. They said there was nothing they could do if it was in the hands of the fraud division. I filed a complaint with the bank. The branch reps also told me the account would close if I didn't fund it. I'm now getting notices that my account is OVERDRAWN and the account is still active.

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 2020-06-16 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: CO

Complaint narrative:
On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX  I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX 's never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX 's continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX 's has been removed from my XXXX  credit file but the results from my dispute with XXXX  and Equifax have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX 's continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CO

Complaint narrative:
On XX/XX/2019, I received a SPECIAL OFFER letter from XXXX XXXX XXXX XXXX : CALL ABOUT OUR 2+2 PROGRAM! YOU PAY 2 PAYMENTS AND WE WILL PAY 2 PAYMENTS ON YOUR ACCOUNT. 
PAY THE 2 PAYMENTS AND WE WILL BRING YOUR ACCOUNT COMPLETELY CURRENT AND CREDIT YOUR BALANCE FOR 2 ADDITIONAL PAYMENTS. 
YOU PAY {$300.00} WE PAY {$300.00} To take advantage of this amazing offer from XXXX XXXX I called the number on the letter XXXX. The rep said that I actually owed {$620.00} so if I paid {$310.00} while on the phone, they would match my payment, bringing my account current and no more collection calls. 

If XXXX XXXX never fulfilled their part of this deal how is this not deceptive and unfair? I called a few times to ask where is the credit of {$310.00} and also ask why I'm being harassed multiple times a day for nonpayment. If XXXX would have honored our agreement, my total account balance would have been only been {$0.00}, but instead, XXXX XXXX continued to harrass me daily and report negative payment information to all 3 bureaus. 

XXXX XXXX has been removed from my XXXX credit file but the results from my dispute with Experian and XXXX   have not been in my favor regardless of my supporting document. 

I've attached supporting documents that show any info that XXXX 's has voluntary reported to different sources IS CONTRADICTING. 

XXXX XXXX continues to report late or missing payments but why haven't they reported the special offer that was sent to me. Why haven't they reported their promise to pay {$310.00}?

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 explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
The debt collector hired a lawyer to seek payment for a debt, the lawyer went through the courts, and hired a server to serve documents to me requesting a response to these documents. The document were not secured in an envelope for privacy, and were bound by a paper clip and delivered to my father-in-law at his residence. Thus allowing him and any other residence easy access to confidential information about me. Furthermore I have not lived at that residence for over two and a half years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: OH

Complaint narrative:
Equifax is refusing to remove XXXX  ( student loan guarantor ) from my credit report. I have written them on several occasions dating back to XX/XX/2020 about this issue. I've also did online disputes about this issue. I'm currently in the process of buying a home and my financial lender have reached out to XXXX XXXX of Equifax several times to remove XXXX from my report but they refuse even with the letter from XXXX  ( the servicer of the loan ). The letter had XXXX attached on the letter but XXXX XXXX said it would not be removed because the letter is on XXXX letterhead which is outrageous. If all 3 credit reporting agencies are supposed to report the same information and XXXX  and XXXX  stopped reporting per the letter why does Equifax refuse to update my report. My lender opened up another dispute with Equifax on XX/XX/2020 for the removal and update. The lender explained to XXXX XXXX from Equifax that XXXX  represents XXXX  in this matter heck when I tried to call XXXX  to handle the matter they transferred me to XXXX so why is it so hard to remove something that everyone BUT Equifax agrees shouldn't be on my report. Equifax could potentially cause my mortgage rate/approval to be in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
accounts listed on ftc report : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened DateXX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXX XXXX XXXX XXXX {$920.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$920.00} High Balance Last Reported XX/XX/XXXX Creditor Name SYNCB/AMAZON PLCC Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} XX/XX/XXXX Creditor Name XXXX  XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$130.00} XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XXXX XXXX XXXX  Limit {$100.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$310.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$310.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off account Account closed by credit grantor

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 2020-06-16 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:
accounts listed on ftc report : XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened DateXX/XX/XXXXClosed Date -- Responsibility Individual Account. 
Balance {$1200.00} High Balance {$1200.00} Remarks XXXX XXXX XXXX XXXX XXXX {$920.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$920.00} High Balance Last Reported XX/XX/XXXX Creditor Name SYNCB/AMAZON PLCC Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} XX/XX/XXXX Creditor Name XXXX  XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$130.00} XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed DateXX/XX/XXXXLimit {$100.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$310.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$310.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off account Account closed by credit grantor

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 2020-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
Dear Wells Fargo Bank you are officially informed that your fraud estate embezzlement case currently being investigated by XXXX  XXXX I sent with all supporting documents to sitting Senator XXXX XXXX United States Senate so she can view first hand that her brainchild agency the CFPB is being lied to in official bank documents despite presenting overwhelming evidence of your illegal behavior towards my case and the bank was not held accountable for its actions nor an official investigation was started by the US Government Bureau despite numerous complaints. If the bank is under the impression or was promised that you will get soft handled concerning this case I regret to inform you that is just not going to happen. And this case was also sent to the FBI and the US Justice Department and the Federal Trade Commission. I am coming after this bank with will full Legal force because it's my legal court ordered right 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 2020-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AL

Complaint narrative:
I receive child support through a prepaid Debit card program ( way 2 go ) I saw a transaction I did not authorize. ( XXXX on XX/XX/XXXX I barely make it getting by just to live so shopping on the Internet is out of the question. As I was on hold I noticed another XXXX on XX/XX/XXXX came out. I need that money back bad. I have kids I have to feed. A lady I spoke to said I didnt have an account, I have had that same account for years. I could not understand her either. The call ended but not by my end and here it is Tuesday XX/XX/2020 I have called and called and called and have been on hold for hours all together still I have not gotten in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am not able link my bank account with a third-party service that I have verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit score is illegally being manipulated. It does not show an increase as payments have been and are being made on time. It is frozen. This is my second complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: CO

Complaint narrative:
This past month I submitted a dispute of student loan payment " late 's '' which were in XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. This was clarified and is accurate. 

However Experian added prior " late 's '' to my report which were past the seven year deletion rule. They added seven late 's prior to the XXXX  ones. 

Experian 's own information supports this contention.

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 2020-06-16 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: FL

Complaint narrative:
A credit card with XXXX XXXX  shows on my credit report with a limit of {$300.00}. It is showing that I am 30 days past due. I never opened any card with XXXX XXXX. This account does not belong to me. I have filed a dispute with Experian and called XXXX to file a dispute with them as well. The woman on the phone took my information ( name, address, phone # etc ) and said she would look into it. The dispute came back as accurate and it is NOT. This is a fraudulent account and it is negatively impacting my 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 non-monetary relief