vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/2019, my debit card was charged 15 times to XXXX XXXX in several different states. I discovered it on XX/XX/2019 and reported it to Direct Express, They immediately cancelled the card and issued another card. They sent the paperwork via mail about the dispute for me to complete. I received the letter on the XX/XX/XXXX and on the XX/XX/XXXX, I dropped it in the mail. I was calling every other day to check if they had received it and each time they would say they have not received it. On XX/XX/2019 they advised me that I can send it by fax and on the XX/XX/XXXX I  faxed it to the Fraud Department. I called on XX/XX/XXXX to see if they had received my fax and I was informed that they received the fax. I asked when will I receive a provisional credit and I was informed that it was past the ten days from the initial call and I would not receive a provisional credit. I feel this is unfair to me because I did not authorize no one to use my card or my number. I do not understand why I have to be punished for someone who stole from me. Below is the list of the charges that was done on that card : XX/XX/2019 : XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$24.00} XX/XX/2019 : XXXX store # XXXX Amount : {$31.00} XXXX store # XXXX Amount : {$22.00} XXXX store # XXXX Amount : {$38.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : {$34.00} XXXX store # XXXX Amount : {$24.00} XXXX store # XXXX Amount {$36.00} XXXX store # XXXX Amount : {$32.00} XXXX store XXXX Amount : {$43.00} XXXX store # XXXX Amount : {$36.00} XXXX store # XXXX Amount : XXXX XXXX store # XXXX Amount : {$27.00} These are the charges that was charged to my debit card. My SSDI check is direct deposited to this card and I was under the impression that my benefit check will be safe with them and now they are telling me that I will not get my money back because of the deadline, this is not fair at all. 

Thank you for your cooperation XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
We authorized XXXX to take {$1000.00} from our checking account on XX/XX/2019 to pay out of our contract early. {$70.00} was taken out on XX/XX/XXXX, we assumed that this was due to the 30 day notification requirement. Again on XX/XX/XXXX {$71.00} was debited from our checking account. When we contact our bank ( Chase ) they are of no help and say that we have to contact the company making the withdrawal, we have on several occasions with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: VA

Complaint narrative:
Fraudulent Payment on credit card - # ending in x XXXX, XXXX and XXXX Between the dates of, XX/XX/XXXX to XX/XX/2019, Citi Credit Cards ( the bank, hereafter, Citi ) received, posted and reflected the following sums : {$4500.00}, {$1200.00}, {$2600.00}, and {$450.00} x3 between and/or on all three of my ( hereafter, customer ) above referenced citicards. Amounts need to be verified as customer has no access to this information since the cards and online banking access was closed. 

Citi made the fraudulently deposited funds available to customer for use and failed to advise the customer the money had not fully processed and cleared. During the same aforementioned period, customer made purchases/transactions at XXXX XXXX, Best Buys, XXXX XXXX and XXXX, all business located in XXXX, Virginia using the funds. Citi later posted the funds as returned and unpaid. The Customer reached out to Citi reporting fraudulent payments on the accounts and lodged a complaint to Citi for negligence and failure to advise, that funds had not fully cleared when Citi made the funds available for customers use. 

Customer requested Citi to credit the accounts of lost dollars and all fees/charges related. For details, please review accounts and subsequent phone calls to Citi regarding the matter. Two credit cards were closed down. Over the last two months, customer has had multiple phone conversations with Citi associates and an investigation of the matter ensued. Long behold, on Monday, XX/XX/2019, on a phone call, Citi associate, submitted to customer, that Citi will not refund/credit the lost reported amounts and any fees and charges related to the reported fraudulent activity on the customers accounts. Please review all notes and phone conversation with multiple Citi associate over the last 2 months with customer. 
Further to this, on the XX/XX/2019 the last associate ( under billing dispute ) castigated customer that even if customer sued, Citi would not credit account.

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 2019-05-08 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: TX

Complaint narrative:
I am filing a new CFPB against Equifax and XXXX  for reporting incorrectly the XXXX XXXX XXXXXXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB onXX/XX/2019 to XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXX  This incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
we recently had a fire on XX/XX/XXXX. On XXXX XX/XX/XXXX I sent all to documents required that Carrington Mortgage Service, LLC loss draft needed via overnight mail. Since then they still have not released my check to rebuild our house. It's a large sum of money that they are keeping from us. Over this period of time from XX/XX/XXXX when they received the documents they have been stalling. Each time we call we speak to a different person, they tell us each time that we need to send over a different document, which I fax again, which has already been sent. I have sent these documents multiple times via fax and email. Everytime we call they have an excuse and we still have not gotten a check yet to start construction. I myself have called, my husband, my contractor, and my public adjuster. My public adjuster called on XX/XX/XXXX and spoke with a supervisior and she said she would have the funds sent over. Well that was a lie also. This is getting out of hand and I'm not going to tolerate this anymore with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I called American Express on XX/XX/2019 and was told that I qualify and am pre-approved for an upgrade to my current credit card, from Gold to Platinum, and that this will come with additional benefits such as additional XXXX Skymiles and XXXX Medallion points. The credit card does have an annual fee of {$190.00} that the customer service representative said she will try to waive. I confirmed several times that this upgrade would be to my existing American Express  Gold Credit card, and that since this is an upgrade, my account number would stay the same and that in fact the new card ( Platinum  ) would have the same number. the customer service representative confirmed this several time. At the end of the call, I was asked a series of odd questions regarding my income, employment status and other personal information which I found weird since American Express should have had these since I am an existing customer and I was told I was pre-approved for this upgrade. Two days later I received a letter in the mail with a whole new credit card, with a new account number, labeled " new account credit card ''. American Express ran my credit report, and in fact did a whole new application for a whole new Platinum credit card, instead of just upgrading my current credit card. So now I have two American Express credit cards, which is not what I agreed to. So they did this without my permission or consent. This is clear bait and switch, and fraudulent employee practices taking advantage of me and violating customer trust. This is very unexpected, cross-selling or upselling is the practice of deceptive sales practices and is widely known as PINNING. I have contacted American Express several times and spoke with a manager who I escalated this issue to, she stated she will look into it, and provided me with her extension. However, I have attempted two times to reach her and have been unsuccessful because American Express is telling me they can not forward me to her, and that they will try to reach her to contact me. This is a week later and I still have not heard back from this manager. I also contacted American Express executive escalations department via email with all the details, and I have been given the runaround. A member from Executive Offices keeps telling me that my complaint has been deployed to the proper department and that I should wait to hear back from someone. No details were given to me about which department or the time I can expect a call back. My wife just gave birth to my daughter in XX/XX/2019, and we are looking to save money for a downpayment and build my credit. American Express impeded this by running my credit without my consent to submit a fraudulent credit card application for which I did NOT consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I recently became a successor in interest on this loan. I am now trying to assume the losn as I was awarded the house through the divorce and since my ex husband has recently passed away I am trying to assume the mortgage so that I can be obligated on the note. Rushmore Loan Management has told me over the phone on XX/XX/XXXX and also through secure messaging sent to me in late XXXX that they do not allow Assumptions and they are trying to force me yo refinance. My loan is with XXXX XXXX and I believe that they allow Assumptions under certain conditions. I am a single mom with two kids who now no longer have a dad and I am struggling to ensure that not only we keep our home, but ensure I can sell it if I need too. Please assist me in getting this mortgzge company to allow an assumption. I am currently not behind on my mortgage, but they just raised my payments again in the last year due to an escrow analysis and I would not be able to complete a modification if I cant assume the note. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
Spent 1/2 hour on the line with PHH Mortgage and my new lender XXXX XXXX XXXX and after EXHAUSTIVE verification that it was me, they STILL refused to share required information. They demanded the request be made IN WRITING and require 7-10 business days to authorize the communication with the new lender. Spoke to XXXX employee ID XXXX and then to supervisor XXXX employee ID XXXX who stated loans for properties in Iowa, North Carolina, Vermont, or Texas, Home Equity Lines of Credit or HUD loans needed to submit requests in writing. My loan fall under NONE of these categories.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.

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 2019-05-08 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: TX

Complaint narrative:
I am filing a new CFPB  against XXXX and Experian for reporting incorrectly the XXXX XXXX XXXX Credit Card - partial account number - XXXX on my credit report. ( Please see page 6 of the attached credit report. ) I did NOT open this account. I have attached a copy of the police report that I filed in regard to this account for fraudulent activity. I previously filed a CFPB  on XX/XX/2019 to XXXX  XXXX XXXX Credit Card Company reporting that this account was opened fraudulently by my late husband. I immediately contacted XXXX XXXX XXXXXXXX to close this account but have not been able to resolve this issue directly with XXXX XXXX XXXXXXXX. This incorrect reporting is harming my credit score.

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 2019-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I applied for a debt consolidation loan online through penfed.org. Once I seen that it was approved I was not happy with the interest rate so I didnt accept the loan. I noticed online it was listed as an open account under my accounts. I called and spoke with someone and was told that it was there for applying but since I didnt accept it the loan would eventually not show up. A about a week later I received a check in the mail for the amount of the loan I applied for ( {$18000.00} ). If cashed it would be accepting the loan terms given so I shredded the check. Today ( XX/XX/19 ) I received an email stating my loan payment was past due. I called the number attached in the email and spoke with a lady stating that if I got the check then I am responsible for the payment. I then asked how you can expect payments from me for a loan that I never accepted nor had access to the funds. She placed me on hold and when she got back on she stated she put in a request to have the loan cancelled and to call her back on Friday to make sure. At this point I as I am aggravated that she is expecting me to call back to follow up to make sure she does her job. I asked her if that is normally how they do business, she says I dont know I am just in collections. At this point I am searching for the Penfed location near me but only come up with a XXXX number. I decided to call that number to discuss what has happened. The gentleman on the phone was very rude and unwilling to help me. Stated that there was nothing he could do for if I didnt give him my social. All I was asking was their procedures. Then I asked how to file a complaint and he states online. I said ok online and then what? On our website under help and it will take you to a form. I hung up and was growing even more irritated. I finally found the number for the XXXX location and called to speak with a Manager there. She was really apologetic but doesnt take away from the fact that they underwrote a loan that I didnt accept. She stated that is how they do it not wanting to make the customer wait to receive their check for their loan and upset the customer. I asked who they reported to since they are a credit union. She told me her vice president and I then asked federally. She told me NCUA and I started there for my complaint. I want this to be known how they are conducting business and also want this off my credit report as a delinquency. How can they continue to be in business if this is how they treat their members.

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 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
XX/XX/2019 never signed contract to Franklin collection sv

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Hello, how you doing today.. this company Credence Resource Manage is doing fraud.. 
i seen they posted on my credit, first of all i live in XXXX florida ... this fraud company is in XXXX, i have no reason or interest over there. they are a XXXX debt collector.. buy accounts for bulk and try to make income ... 
to repeat i never had tmobile and this fraud company say i did ... simply ask them send the original contract with signatures if they cant provide that remove this fraud and how they got my information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My mortgage was sold to JP Morgan Chase in XX/XX/2019. My homeowner 's insurance was being escrowed by the previous bank. 

My homeowner 's policy renewed on XX/XX/2019. In XX/XX/XXXX, I called Chase to make sure they had gotten the new bill and would be paying it on time. They did not have the bill and told me they would not have called me to tell me they did not have instructions for paying my homeowner 's insurance. They would have just let it lapse and then taken out expensive insurance on my property. 

My insurance agent sent Chase the updated insurance payment info and quote multiple times. They said they hadn't received it. I called with my insurance agent. The Chase representative told us she had the bill but that neither my insurance agent, my insurance company, nor the company I had gotten the policy through were in Chase 's " system ''. As a result, even with the bill and instructions we had sent, Chase could not pay my insurance premium. The Chase agent also told us it would take 60 days to register a new entity into their " system ''. 

My insurance agent told the Chase representative that she was sure her brokerage and the insurance company was in the system as she had other clients with mortgages at Chase who were escrowing their homeowner 's insurance and using the same insurance company. The Chase representative could not find any of these companies. 

My insurance agent and I spent several hours on the phone with Chase trying to resolve this issue. 

At this point my insurance was due in less than a week. I paid the insurance myself. I am now in communication with Chase to refund my monies escrowed for insurance and to stop escrowing my homeowner 's insurance. 

I was told that Chase would only refund my monies if I requested an escrow analysis. I am now being told that because this property is an investment property, Chase requires me to escrow the homeowner 's insurance. It is still not clear to me whether or when Chase will be returning the monies still being held in escrow for the XX/XX/2019 payment that I made myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This account is mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08 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: FL

Complaint narrative:
On XX/XX/19 TransUnion dropped my Credit Score " Fico Score 8 '' from XXXX to XXXX a staggering 41 points. I called TransUnion, they stated my XXXX XXXX XXXX ( Master Card from XXXX ) did not reported a balance for this period. I filed a complaint with TransUnion and after a while I received a letter with the results of a reported balance of {$300.00}. Right after this they dropped my score another 6 points - a total of 47 points from XXXX to XXXX and I accuse they doing it out of retaliation! For the entire year I had scores from all 3 major Credit reporting agencies at XXXX and above! Never paid late, not one hard inquiry and the average credit use is 2-3 %. The other 2 agencies still kept my score at around XXXX - right now XXXX. This credit rating unjustified and completely out of line compared to the other ratings. This is damaging my credit status!

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