vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
I disputed the amount of the debt through transunion. I requested an itemization of the debt due. The company responded that the debt was valid but did not provide a breakdown of the charges. 

They have placed a debt amount of {$1500.00} on my credit report. I require an itemization of the amount due. I did not owe this amount when I left the apartment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
An online dog vendor, who claimed they were in XXXX, TX, claimed they were selling Chow Chow puppies, and used the name of XXXX XXXX, with phone number of XXXX, at email address XXXX. 
There were videos of the puppies for sale, which kind of made you suspicious to start with, but since my granddaughter was so focused on getting a dog, we went ahead with the transaction. 
I sent {$250.00} through PayPal, since they had purchase protection on the transaction, but they tried to get me to use XXXX, and I refused. 
I have alerted both my bank, where the funds have not been withdrawn as of yet, and PayPal, who had a protection program in place. 
The IP address of the perpetrator XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: OH

Complaint narrative:
I paid off my loan with Home Point Financial over a month ago and they shorted me on the amount of escrows they owed me. I am owed still over {$4900.00} dollars which I have called several times and they said they don't know where my escrow money is and I have been waiting weeks to get my refund back. I feel like there is something very deceptive going on with my escrows over {$4900.00} I believe might have been stolen or embezzled. I am a veteran and need help to get my money back. I have made several call ( hours of my time on hold ) and keep get the run around saying they don't know where my money is.I paid my loan off on XX/XX/20. The loan number is XXXX and their phone number is XXXX This company keeps saying they sent my money off to pay property tax knowing that I had a XXXX balance due with the county. Please help, I have repeatedly tried to get this issue resolved with Home Point Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Yesterday I went online and signed in to Trans Union Agency. That alone took an hour with customer support because the information they had contained so many inaccuracies, I could not verify my identity with them without extreme difficulty. 

I explained the reason for my call was that the credit report they have on me is fraught with incorrect data. I had made perhaps a dozen attempts so sign in online to address this, receiving an error each time. When I called and chose to file a dispute, every time they hung up on me. I then opted to speak with an agent from another department. He transferred me to the disputes team, who hung up on me again. 

My next conversation with them I refused to allow them to make a transfer and for them to contact the department for me. After a long, drawn out session, the service agent admitted they were aware of the problems the disputes department was having but that everything would be solved and I could successfully take care of the problem the next day. Which is today. 

Furthermore, each time I attempt to go to their " Alternative dispute site '' which they demand I do to address the issue ( https : //dispute.transunion.com/dp/dispute/landingPage.jsp? PLACE_CTA=dispute : cta ) my username and password must be reset because it is wrong in their system Nothing has changed, I am still unable to log on to that section of their website. The only disputes they addressed were the numerous incorrect living locations, contact information and employment history. But I am unable to address the real problem, which are the numerous, incorrect accounts they have on file in my name.

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 2020-07-21 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
On XX/XX/2020 I authorized a charge to my Barclays Mastercard by Frontier Airlines in the amount of {$880.00} for two round trip air flight tickets from XXXX to XXXX XXXX to attend the XXXX XXXX. Our departing flight was scheduled for XX/XX/2020 and our return flight was scheduled for XX/XX/2020. Subsequent to the booking the XXXX XXXX was cancelled due to the Covid 19 virus, so I cancelled our flight reservations and attempted to obtain a refund for our flights with Frontier. I was unable to reach Frontier via phone as their lines were understandably constantly busy, and they offered via email only a credit that had to be used in a very limited timeframe, which we would be unable to use. On XX/XX/2020 I sent via certified mail a dispute letter to Barclays, requesting a reversal of the charge for {$880.00}. Approximately XX/XX/2020, I received a letter from Barclays, dated XX/XX/2020, beyond the 30 days allotted for their acknowledgement letter, stating they were looking into it with Frontier. On XX/XX/2020, I received a further letter from Barclays stating that the reversal of the charge was declined. No supporting documentation was provided by Barclays. I am requesting a reversal of this charge of {$880.00} due to Barclays failure to provide responses within the timeframe required, and for not providing any supporting documentation.

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
ally financial is a company I have a car loan with, the company have reported 2 late payment on my credit report. Which is not correct I have paid ahead something 3 times before the bill is due. the company stated in XX/XX/2020 I was late, incorrect. I called the company and was told it would take them 45days to change the credit reporting status. I don't agree it only took them a day to change my credit score and credit profile.

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 2020-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I recently received a notice from Citibank that my credit card limit was being decreased from {$11000.00} to $ XXXX 've been a member since 2015, always paid on time so I am confused.They sent me a balance transfer offer with a 0 % interest rate, and I transferred {$5000.00} to a credit card that I owed and I paid back the {$5000.00} within 2 months.They thought I was creditworthy of the transfer.I pulled my credit report and nothing new showed up. I have never been late on any payment.I called Citibank to try to find out why they reduced my credit line and they kept saying XXXX required us to do it. " I said they mandated you to reduce my available credit, you have no discretion in the matter, and the response was yes, it was due to change on your credit report, except there was no change on my credit report. I am tempted to close but I know that's not the right thing to do. But it concerns me that this can just be done with no recourse? Ive tried calling Citi Bank many times either I get the wrong information or no response at all. I tried to fix this issue with them and nothing, they do not care about their loyal customers.

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 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
XX/XX/2020 I was called by a person who said there name was XXXX.who worked for Nationwide Recovery Systems They asked if if my name and SSN matched what they had on their records. They read the last 4 of my SSN to me prior to even confirming I was who they were looking for. This is PII and should not be given out to frivilantly. I have recently changed my number, and I am concerned that they may have called others and given out PII. Once I asked how many others they had released my PII to they hung up. 

I called back to talk to a supervisor, and they said that was not PII and something they do regularly. 

the last 4 of someones SSN is very sensitive and used in all kinds to places as a security code. I want a list of who else they called and gave my information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood XXXX  is not giving me real time pricing. Their lack of information has caused me to make a lot of decisions that have lost me money. They are not filling my orders despite placing limit orders. I have options contracts that are not reflecting the current prices. They are not interested in giving me the appropriate information about my account as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was employed at Citibank from XXXX. The 401k contributions from Citi are deposited only once a year. XXXX Citi contributions were deposited in XX/XX/XXXX. I had already rolled over my existing monies in my 401k previously. I was never sent any notice, email, letter, etc. stating that if I did not choose to do anything with the monies deposited it would automatically roll over to a Citi IRA. I received an email today, XX/XX/XXXX stating my statement was online to review. There was no account number or information other than it was now in an IRA and amount. I called and was informed the monies were with a different bank and they ( other bank ) would have been the ones to let me know about a 30 day response period. It was then eventually it was sent back to Citi and placed into a Citi IRA. I believe Citi should have sent information. When I tried to take appropriate steps to roll over my monies, I was informed they had blocked my account. Was told point-blank they would NOT be unblocking my account until KYC forms and documents were filled out, which is required for new customers. I am not a new customer, never authorized to be a new customer. Citi could not explain why I never received documents to fill out. I find it puzzling how there could already be a block on the account. It has not even been 90 days. I need the account block removed so I can roll this over.

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 2020-07-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have written to Macys several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. XXXX continues to report this inaccurate and unverifiable information.

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 2020-07-21 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, i write to all these 3 agencies to fix the issues of my amounts were paid in full as agreed as for XXXX and XXXX  XXXX card alleged balances. I called even last week XX/XX/XXXXand i just given the run around with nothing. I am suffering from there actions as i cant get the house to buy when i have done what is right long time ago. I now reach out as my last hope as they just not right with 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 2020-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Hello, I originally opened a case in XXXX of 2020 regarding a transaction that is not valid. The credit card company didn't open it until XXXX. They had given me a provisional cresit. They incorrectly closed my claim in XXXX stating that " I had requested to cancel the purchase '' which is not true, and upon further investigation they have reopened the case. Because of the fact it was closed, I am supposedly no longer eligible for a provisional credit ( even though I did not request to close it ) and I now have a pending balance due of the full amount of this charge as well as the interest associated with it. They are not being helpful at all.

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 2020-07-21 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My credit report was accessed with no autherization from me and the company will not delete the inquiry although i have not requested any forms of line of credit from them. I called customer service on XX/XX/XXXXand requested that the inquires be removed from my report and was told no and that the company was not obligated to provide any proof of credit line request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
This is a mobile home lender 21st Mortgage Corporation. I called for a payoff amount XX/XX/2020, The amount I was told was {$1800.00} I paid the {$800.00} then at the end of the month I paid the {$1000.00} believing I owed a balance of less than {$25.00}. I asked at the time I made the {$1000.00} payment about my insurance policy as I had it escrowed with the mortgage lender as well as taxes for the house. I was told the policy was paid for, would not be due until next year. I never signed an agreement for escrow, but asked if they would escrow for taxes and later for insurance which should have covered these expenses. 

They now say I owe {$850.00} on my house for it to be paid off. When I called I was told it was insurance, Paid After I sent the {$1800.00} so they ADDED it to my house note. I don't have to have insurance. Can they charge me interest on my house if this is not part of the contract? Why isn't the escrow a separate bill and account held for specific purposed and accounted for as escrow and not part of my house? What can I do to get my house free and clear? Since it is a mobile home they can repossess without foreclosure proceedings. Do I need an attorney?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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: NY

Complaint narrative:
on XX/XX/XXXX i contacted companies about credit inquires on my credit report. I was advised by each company that i would need to work with the credit agencies to have inquiries removed since the information was not in the companies systems. I uploaded a credit inquiry dispute on XX/XX/XXXX to experian, called on XX/XX/XXXX to inquire when they should start working on the dispute and was told by XX/XX/XXXX at the latest. I called back on XX/XX/XXXX to find out the status and was advised that i would need to submit an FTC complaint in order for experian to dispute my inquires. Experian has continuously tried to not investigate my credit inquiries although i have done everything they have instructed me to do.

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 2020-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Ford Motor credit reported that I was 30 to 59 days late ( in XXXX of XXXX ) with payment of a new vehicle lease opened on XX/XX/XXXX, XXXX. 
Ford Motor Credit failed to send me an Invoice statement for the months of XXXX & XX/XX/XXXX. ( I did not think it was unusual to not receive the invoices as, the last 2 leases I had with them were opened on XX/XX/XXXX and were invoiced until XX/XX/XXXX ). 
When Ford Motor Credit finally did contact me ( on XX/XX/XXXX XXXX, I made both XXXX and XX/XX/XXXX payment that day. 
Additionally, Ford Motor Credit has reported that I would not give my address and has reported a false phone for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: OH

Complaint narrative:
I XXXX XXXX got new insurance and they have a record of an at faulty accident against my driving record I have never had an accident. I am unaware of any information where this was suppose to happen or what was involved in this accident. Where did LexisNexis get this information my insurance agent XXXX XXXX XXXX does not have any record of this accident involving me, my Husband XXXX XXXX May have been involved in this accident I was not driving nor was I in the vehicle when this was suppose to have happened on XXXX XXXX XXXX reporting agency is XXXX./LexisNexis. My Birthdate is XX/XX/XXXX. I want this removed from my records. I have not been involved in any accident either at fault or not at fault. My phone number is XXXX if more information is needed you may also contact my agent drivers license number Ohio XXXX. Please resolve this problem. My new insurance is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX charged my card {$98.00} on XX/XX/2020. My husband and I don't recognize name at all. Chase Bank says it's a management consulting company in XXXX. There is a phone number, but it's international so we aren't going to call them and pay the long distance call to fix this. We disputed charge with fraud department. This kind of thing happens all the time. Merchants should have some regulation that they provide an address and toll free number so that they can be easily reached and investigated for fraud. Also they should provide the name on credit card that they provide to customers so they can be easily identified. 

Banks need more regulation in general as well as merchants.

Company response to consumer: Closed with explanation