vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I returned a XXXX XXXX XXXX and XXXX XXXX to the best buy in XXXX pa to the store XXXX. It went to a closed account that was stolen, that 's why it was closed. When I received my statement it came through as a general purchase. It was then minuses off, and turned into a promotional purchase. THIS WAS TO BE A REFUND FOR {$720.00}, THE TOTAL AMOUNT OF THE RETURN. THEY PUT IT THROUGH AS A PURCHASE. THEY THREATENED ME TO KEEP PAYING FOR THE ITEM EACH MONTH OR THEY WOULD RUIN MY CREDIT. SO I HAVE CALLED COUNTLESS TIMES. I SPOKE WITH XXXX XXXX AT BEST BUY CORPORATE WHO SAID HE WOULD HELP ME, BUT THEN HE SAID IT DOES N'T CONCERN HIM IT IS CITIBANK THAT I NEED TO DEAL WITH. I HAVE BEEN CALLING ALMOST DAILY SINCE THIS HAS HAPPENED, BUT NO ONE WILL HELP ME. I FILED A POLICE REPORT AT BOTH THE XXXX POLICE DEPARTMENT AND THE XXXX XXXX POLICE DEPARTMENT. AT BOTH STATIONS THE OFFICERS WERE ABLE TO SEE THE ISSUE, AND I WAS TOLD I WAS RIGHT. XXXX XXXX EXECUTIVE RESPONSE UNIT XXXX WAS THE PERSON XXXX XXXX TOLD ME I NEEDED TO TALK TO. WHICH I DID. I FAXED AND MAILED MY PROOF INTO CITIBANK SEVERAL TIMES, BUT HIS RESPONSE IN A LETTER WAS HE WAS DONE WITH THE ISSUE AND I SHOULD KEEP PAYING. HE SENT IN HIS LETTER TO ME WRONG ACCOUNT NUMBERS AND BECAUSE HE SAW A MINUS ON MY STATEMENT HE FEELS I GOT MY MONEYBACK. BUT I HAVE XXXX CREDIT CARD ACCOUNTS WITH BEST BUY CITIBANK. HE COULD N'T EVEN GET THAT RIGHT. THE STATEMENT CLEARLY SHOWS THEY CHARGED ME IN THE PURCHASES COLUMN {$720.00} FOR A PURCHASE, AND THIS WAS CLEARLY A RETURN. I DO N'T FEEL I SHOULD CONTINUE TO PAY FOR ITEMS THAT I DO NOT HAVE. THEY WO N'T CREDIT ME FOR MY BALANCE THEY SAY I STILL OWE OF {$330.00} FOR MY RETURN SINCE THEY MADE ME PAY MONTHLY {$380.00} FOR ITEMS THAT WERE RETURNED TO THE XXXX XXXX AT THE XXXX BEST BUY ON XXXX XXXX, XXXX. I 'M PAYING FOR NOTHING BECAUSE BEST BUY HAS THE XXXX XXXX XXXX AND XXXX AND MY MONEY, AND THREATENS TO REPORT ME TO THE CREDIT AGENCIES IF I DO NOT CONTINUE PAYING ON IT. NO ONE WILL HELP ME!!!!

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent a total  of three letters each to   XXXX   XXXX   and TransUnion that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goe s so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it. TransUnion removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have sent a  total of three letters each to  XXXX , Equifax, and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One eve n goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.   XXXX    removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX   2016  our  XXXX    XXXX   loan was transferred to Lonecare.    XXXX   2016 we  noticed a double paym ent ( {$1300.00} ) of our mortgage to Lonecare.  I (  XXXX   XXXX   XXXX   XXXX   ) call Loancare to  inquire if indeed we were double billed. The agent I spoke with seemed to think so but told me i Needed to request a review and gave me an email to do so. We received an email ( attached ) that showed my original email along with assurance that  Loancare would look into our concerns. Approx a month later we received a check from Loancare f or the above amount. We assumed this was the answer to our inquiry and the case was closed.    XXXX   2016 we  received a delinquent notice for  XXXX . I contacte d Loancare an d they told me that I asked for the reimbursement and the obliged ; made no sense to me that a mortgage company just return a check knowing it needed to be applied to  XXXX  statement!   The supervisor i spoke with was unwilling to see our side and told me there 'd be late fees and credit notification if I did n't remit payment within 15 days.   I contacted an Attorney and he sent a letter . ( attach ed ) After a response letter from Loancare that they would look into the matter, they sent a letter saying we requested the funds and they did what we asked.    Another letter from attorney was sent and again the same procedure and same result ; Loancare will not work with us! I see Loancare wanting nothing better than for us to lose our home. We ca n't afford going after Loancare in c ourt but at the same time we ca n't come up with {$1300.00}. I 'm  XXXX  and on a fixed income.   You 'll find attached documents, emails, attorney letters and statements.

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 2017-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX   XXXX  2017 bank of america closed my savings  acc. they said someone wired to my acc. {$7800.00} from mobile app. they think it 's fr aud. i do not who know  sent . i  called them 3 times on the  XXXX   XXXX  of  XXXX  + they will not tell me anything. y our acc. is closed + you can never open up another one again but you can still use your credit cards. i want down to local bank + they could n't tell me anything. they said fraud can shut down anyone. i only had {$580.00} in acc. i did n't do anything wrong. i s till do n't have my  XXXX  my savings acc. was tied to credit cards with my points going to my savings acc. i 've had credit cards with them for  18  yrs this is crazy

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 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have been trying to satisfy a collectio n with Fox Collection company for {$91.00}. This collection was originally a bill from a   XXXX   office, that I did n't know existed. The  XXXX  office may have tried to send me a letter, but I had moved houses and never r eceived anything. No further attempt was made to me, nor did I realize I owed any money. Now the Fox Collection Center in Tennessee owns my {$91.00} debt from  XXXX /2015. I found out about this collection when a mortgage company ran my credit. Because it was medical related, I was told by the mortgag e company that I did n't have to pay this prior to closing, but it may be be wise to look into it further and try to have it deleted. I called Fox Collection Center, and they told me that they do not have a company po licy to delete collections if they are paid. Based on my research online, if the collection is not deleted, that the updated, paid, collection will actually bring down my score. I find it very frustrating that they are not willing to help me settle my debt for a {$91.00}   XXXX    bill I knew nothing about. Personally, I find it criminal for a collection company to do something like this. I have read a lot of reviews about this company on google and yelp, there seems to be more frustrated people besides myself. That 's why I 'm posting a compliant to you, the CFPB. Please help me understand if they are allowed to keep this collection on my account to hold againist me for future purchases, or if I should be allowed to have it deleted.     Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: SC

Complaint narrative:
I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with Equifax and  XXXX  are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Reviewing my  XXXX  credit report and it is showing an account by  SOUTHWEST RECOVERY  SERVICES WITH REPRESENTING CREDITOR  XXXX   XXXX  I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY.  XXXX   XXXX  is also reporting on   XXXX    and   XXXX   and need to be deleted as well immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified Equifax that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME AND WAS RECENTLY DENIED AND THE REASON THAT WAS STATED WAS BECAUSE MY INVESTOR HAS A RIGHT OF APPROVAL. I WAS NOT DENIED DUE TO INCOME OR AFFORDABILITY, JUST BECAUSE MY INVESTOR SAID SO WHICH IS   XXXX   XXXX  . I HAVE AN INTEREST RATE OF 9.65 % AND IT IS APPARENT THAT THEY ARE ONLY INTERESTED IN KEEPING ME IN A ABSURDLY HIGH INTEREST RATE INSTEAD OF REVIEWING ME FOR ASSISTANCE MY WIFE AND I DESPERATELY NEED IT. WE HAD TO CARE FOR OUR PARENTS , ONE  WHICH HAD  XXXX   XXXX  AND THE OTHER THAT HAD  XXXX    XXXX   XXXX   WITHIN 2 DAYS AND NOW   XXXX   XXXX    XXXX . THESE RESPONSIBILITIES HAVE FALLEN ON  US AS WE BOTH ARE   XXXX   XXXX   OF OUR PARENTS AND MEDICAL BILLS ARE  RACKING UP. NOT PAYING MY MORTGAGE IS NOT SOMETHING WE WANT TO DO, WE JUST NEED TO BE CURRENT SO WE CAN CONTINUE TO MAKING OUR PAYMENTS. WE CANT AFFORD THE DELINQUENT AMOUNT, WE ARE ONLY ASKING TO BE CURRENT SO WE CAN SAVE OUR HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
This company ( ERC  )  obviously got this item from the last bogus collection agenc y (    XXXX   XXXX   XXXX   (  XXXX  ), Case number :  XXXX  ) I filed a complaint with your office on   XXXX   XXXX   XXXX    . They have been calling and harassing for over  3  weeks. A few of the numbers they are calling from are :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX   XXXX . There are many others. They robo dial my home and cell phone numerous times a day.   Heres what I intend to do : If this bogus company sends this on to another collection, I will file suit against them for doing so. If they continue to do harassing calls, I will file suit.   When they got my information from  XXXX , they saw the documents I provided showing  XXXX   XXXX   XXXX  having been paid in full by a copy of the refund check made out to me for my overpayment of my final bill. This shows true malice on ERCs part.   I think a jury will reward me for taking someone like this off the market who obviously harasses people thinking they have a legal way to extort money from them.   Thank you Consumer Financial Protection Bureau for helping document how these companies work, as this only helps us when we sue them. The judge doesnt like that we have to use the government-tax payers money to stop crooks like this either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank in  XXXX , TX  XXXX  allowed a person who is not  me (   XXXX   XXXX   )  to open a business account using my social security number, but someone else 's name. This account was used for a business and has since been charged off since   XXXX  . I just recently became aware of this account, when I was denied a new checking account with Chase bank because my social appears under this business that has an overdue balance. I was told at the  Chase bra nch in  XXXX , Tx  XXXX , that they could not give me any information about this account because the client is still considered and active member with the bank. I do not even know the name o f the Business or how much the account charged off for. I filed a policy report with   XXXX  XXXX   XXXX , and filed a complaint with Chases fraud department. The deputy in charge of my case says there is not really anything he can do seeing as it has bee n seven years since t he account charged off, and the bank is demanding a court order to release any other information. This account does not show up under any of the  XXXX  major reporting  Bureaus, and I was told that is because it is a Business  Account. I have been told by the social security office that without proof that someone has used my social they can not do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: SC

Complaint narrative:
I purchased a car back in  XXXX  and it was financed through  XXXX   XXXX   XXXX . The car was a piece of junk and the interest was more than what the dealership disclosed to me. I voluntarily forfeited the car in  XXXX  and paid more than what the car was listed for on the blue book. My credit report with   XXXX   and TransUnion are showing duplicated charge offs for this same account that I voluntarily surrendered the car to. I was told that it would not happen. And it is my understanding that when you voluntarily surrender a car and they came and picked it up that they can not show the balance on my credit reports. The balance appears on all of my credit reports and it appears at least  XXXX  times on each. I have asked the bureas to correct this and remove this information and they have not. I would like to have this resolved it has effected so many aspects of my life and it is my right to have proper information reported on my credit reports.

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 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified   XXXX   that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  and  XXXX   XXXX . Please remove these addresses from my credit file.

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 2017-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Last year, I had a Bank of America business credit card which became delinquent. I was never notified of this fact and they removed the card ( along with my ability to p ay ) from my o nline banking with NO notification whatsoever. I started receiving calls asking me to verify my account, which I would n't do because it sounded like a scam. I had spoken to them prior and told them I was out of work but would make payments when I could ( seeing as I 'm a 20 year customer, I figured they would be human about it ). This is when they removed my account, even though I was actively making small payments to it. When I called to complain, they said that it is their policy to remove delinquent accounts. NO notice was ever sent. I emailed  XXXX   XXXX  the  CEO several tim es telling him I want to make payments, but I need to do so online and not on the phone when some random operator calls me expecting me to give them my account info. He had someone named  XXXX   XXXX  call me and I explained I was trying to pay but need my account back. She said not, it is n't their policy, then they confiscated {$1300.00} from my account without my permission. When I filed the last complaint, they responded saying they could n't find my account, and apparently the case was closed. They ca n't even find my delinquent account but I 'm supposed to give my info over the phone? They never notified my of any of this.

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 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
Nationstar recently completed the PMI removal process from my loan but is refusing to refund my PMI over payments in the amount of {$540.00} for the months of XXXX XXXX XXXX 2016. XXXX XXXX, 2016 is the day of record for my PMI request for removal. XX/XX/XXXX is the day I was transferred to Nationstar. Nationstar claims they 're only responsible for refunding the PMI I made to them. This is a clear violation of the Homeowners Protection Act. I have spent hours and hours trying to resolve the issue of PMI removal with the company. This particular incidence is different than recent complaint # XXXX which Nationstar claimed the issue had been resolved.
Nationstar claims they refunded my appraisal fee of {$450.00}. In my opinion, this is an attempt to further break the law. All I 'm asking for is my rights to be honored. Please cancel any {$450.00} appraisal fee " reimbursement '' ( wherever that money is floating ) and refund the over-payments in the amount of {$540.00}. That is the law and legal accounting is what I 'm asking for. Attached is the letter from XXXX XXXX where they 're attempting to address a different CFPB claim that they have no responsibility in refunding any PMI payments. This is a business issue between Nationstar and XXXX, as Nationstar initiated the purchase of my loan and it 's not my responsibility to deal with business related problems between these XXXX companies.

Company response to consumer: Closed with explanation