vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 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: CA

Complaint narrative:
On XX/XX/2020, I raised a dispute of or a {$190.00} charge from XXXX ( XXXX XXXX XXXX XXXX ) vacation package that was posted to my Citibank credit card and that I did not authorize. As part of the dispute " evidence '' the merchant ( XXXX ) provided to Citibank was simply a short verbiage claiming that I purchased the vacation package during a phone call, but did not provide a recording of the call as evidence. I, however, provided a 5-page documentation including attachments of my interactions with the merchant that very clearly supports that I did not authorize that charge. Citibank unfairly resolved the case in favor of the merchant and reversed the chargeback. On XX/XX/2020, when I spoke to a Citibank billing dispute representative about it, he agreed that the resolution was unreasonable too but stated that Citibank could pursue the case no further. I asked him what evidence the merchant provided to prove that the charge was valid and he stated that the only evidence that the merchant provided was that the credit card was valid, the merchant claimed that there was a voice recording of my call with them ( but denied to provide said recording ), and a document of terms and conditions. A rational person would clearly understand that neither of those constitute as evidence. However, Citibank still resolved in the merchant 's favor, which is very anti-consumer and goes against consumer protection laws established not only in this country but my state of residence in California as well. I implore Citibank to do the right thing and resolve this dispute in a fair manner.

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 2020-03-18 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: CA

Complaint narrative:
I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.

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 2020-03-18 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: CA

Complaint narrative:
I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.

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 2020-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted Bank of America to inform them about that Id been scammed by the XXXX account which they linked to the bank for money transfer. I informed them that I made those transfers but was not given the service I was promised and they told me that they cant do anything about it. They linked the app to their bank and I believe they should be responsible because they required I sign up for the app when I opened the bank. My vendor did not deliver on the service and they are not holding any liability for this. Ive contacted the bank several times without them taking any actions to 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 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$66.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$50.00}

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 2020-03-18 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspect items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXXXXXX {$150.00} XXXX  XXXX XXXX {$66.00} XXXX XXXX XXXX XXXXXXXX {$690.00} XXXX XXXX XXXX {$50.00}

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 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit that should not be on there. I never received any kind of notice that this account was in collections. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and paid the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
simon 's agency alleging medical debt in the sum of XXXX $ on all 3 credit bureaus I have never received notification of this debt in addition, I have full medical benefits with 100 % coverage. 
this debt is not owed by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have went to XXXX and XXXX University. Navient said they would pay my interest and hold off on my loans since my income was low. I keep getting bills from them and my loans have increased by {$80000.00} and interest accruing still. It is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX  # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 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: UT

Complaint narrative:
XXXX XXXX  # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account was late or that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Hi Team, I have lodged two complaint on my Home Loan PMI, on two grounds 1 I called some time in last year asking to remove the PMI, they did not guide me right info, Later i found that If my property value appreicate and my Outsanding is less than 78 % i should not be charged PMI, Bank did not tell me this. 
2 With my current month i am reaching without Value appreciation to 80 % or less, I have asked bank to remove the PMI, they did not do that, They did not respond back to my Call or Ticket I raised in their portal and with call center. 
I spoke agent and Complaint logged by XXXX On XX/XX/2020 ticket reference XXXX Expecting call back.24/48 hours, Never got call back so far.

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 2020-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: DC

Complaint narrative:
XXXX XXXX has been repeatedly denying my claim for a healthcare bill that is not my responsibility since XXXX. I suffered a XXXX and was taken to the Emergency Department at XXXX XXXX XXXX Hospital in XXXX, XXXX  on XX/XX/XXXX. At this time, I was fully covered for healthcare under XXXX  XXXX  with XXXX XXXX serving as my healthcare provider. I learned that XXXX has been repeatedly denying my claim for insurance recovery because they have been informed that I have primary insurance coverage with the XXXX XXXX XXXX ( XXXX ). I terminated this plan in XX/XX/XXXX and only used it while I was living in XXXX. Since then, I returned to XXXX  and have had XXXX XXXX as my primary insurance provider since XXXX, XXXX. XXXX initially billed me through a creditor called XXXX XXXX XXXX and I previously filed a CFPB complaint. That creditor responded and notified the CFPB that the debt would be waived given the circumstances. They have now sold the account to XXXX XXXX XXXX XXXX and are billing me through a creditor called XXXX XXXX XXXX XXXX. Here is information about my XXXX XXXX Insurance Coverage : XXXX XXXX Patient Account # : XXXX XXXX XXXX Patient Account # : XXXX Patient ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX, XXXX  XXXX Effective date of insurance coverage : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a Sears Citibank Credit Card, and I made a purchase on a Promotional balance putting over {$2000.00} on my credit card in XXXX ; however, I requested a refund back on my credit card for the entire purchase from the merchant in the same month the purchase was made. The merchant refunded all of the money back to my credit card. I called Sears Credit Card and spoke with a man and he told me since the purchase was refunded, I should not incur interest charged because I was refunded the credit. He also stated that the promotional balance was only for purchases made, and mine was refunded. Now, in XX/XX/XXXX, I am unlawfully being charged " INTEREST CHARGE ON PURCHASES {$800.00} '' for purchase that was returned and refunded back to 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 monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX  ( " XXXX '' ), the prior servicer had a XXXX balance on this account before the account was transferred to Real Time Resolutions , Inc. ( " RTR '' ), a debt collector. XXXX  reported the full principal balance paid in XXXX. See attached XXXX Form 1098. However, RTR continues to claim the full principal balance is still owed on this account. See attached RTR Statement ( XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with the XXXX Form 1098 from XXXX, showing XXXX  reported the full principal amount was paid in XXXX to XXXX. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof from XXXX  that XXXX  had contacted RTR ( in XX/XX/XXXX ) asking RTR to fix RTR 's incorrect balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR with proof SLS had contacted them again ( XX/XX/XXXX ) asking RTR to fix RTR 's incorrect account balance. RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
On XX/XX/XXXX, I contacted RTR Chief Compliance Officer XXXX XXXX asking his assistance in having RTR comply with RESPA. Again, RTR never corrected the account balance or responded showing the account balance was correct, as required under RESPA ( by XX/XX/XXXX ). 
Except for sending the required acknowledgments of my Notices of Servicing Errors, RTR has refused to correct the incorrect account balance or respond showing the account balance is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
XX/XX/2020 @ XXXX MST. Gurstel Law Firm called me, then hung-up on me, as soon as I answered the phone. All I heard was CLICK. This is now the third call/hang-up harassment from Gurstel Law firm. The call came from XXXX ( Gurstel Law ). Was placed to my phone XXXX XXXX XXXX XXXX XXXX. Gurstel Law Firm specializes in debt collection. Why are they harassing me? Why is a Law Firm allowed to flagrantly break the law. Knowing that there will be no consequences? I thought America was a democracy. Everyone was required to follow the law and equally, be held responsible for breaking the law. Is that not so?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
While I am refinancing my current home mortgage loan with Freedome Mortgage Corp as below, FREEDOM MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX United States Lender NMLS ID : XXXX They are keep delaying my request for release payoff quotes to me and my closing title company, and now delaying my closing for refinance and several attempted for above company contacted, they are not released my payoff quotes and delaying.

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 2020-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted NUMEROUS REQUESTS with Experian to remove inaccurate personal information : The Most recent letter disputing personal information was sent XX/XX/XXXX. Before that : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian refuses to remove information that is inaccurate and does not belong to me. Either they do not respond to my request at all, send a stall letter, or disregard my request.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am no longer able to afford my property and I reached out to PHH Mortgage and completed a short sale package in XXXX. The lender told me they have to complete a denial for a modification before they can consider a short sale. I have no income. I was denied a modification in XXXX and the lender closed out the file even though they had the full short sale package they asked for. Please help me before the buyer walks away and my property is foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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