vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Harris and Harris calls a couple times a week and when I answer and say hello no one says anything back or the phone only rings once and hangs up. Today ( XXXX-20 ) somebody spoke back. I told the person I did not know what this was in regards to and she told me I could get ahold of the medical facility to find out and hung up on me. 

I called back and spoke with someone else and she said they could send an itemized bill and I said that would be great because I did not know what this was in reference to. And she proceeded to tell me this was going on my credit report and I told her that I knew that because I saw it, and she rudely said, " you go ahead and keep talking because I am not going to talk over you ''. I then asked to speak with her manager where I was kept on hold for roughly 8 mins. She then got back on the phone and asked if I wanted to continue to wait because there was not a manager available to talk to and then she said, oh Mr. XXXX is available you can speak to him. Put me back on hold where I waited for approximately 2 more minutes and the phone began to ring and then went back to hold music.. I waited for about 2 more minutes before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX, I attended XXXXXXXX XXXX  ( formerly XXXX XXXX XXXX ) in XXXX, Fl. I was informed by someone in admissions that I could not take out a Federal student loan with XXXX XXXX ( now Navient ) because I have exhausted all possible funds and had to apply for a Private student loan through XXXX XXXX. I thought it was odd considering, at the time, I only had about $ XXXX - XXXX in current Federal student loan debt from my XXXX degree in XXXX. But I complied, because I wouldn't have been admitted if I hadn't. I took out a {$10000.00} private loan. Since graduating, I've had a mix of difficult times and going back to school. So the loan has been put on deferment and forbearance along with late payments up until XXXX. In that time, my {$10000.00} loan skyrocketed to {$30000.00}. I have been making good on ALL payments to Navient since XXXX. In 6 years of good payments, the {$30000.00} has been paid down only about {$5000.00} and is now at {$25000.00}. I've been paying mostly interest for 6 years and not expected to pay off the loan until XX/XX/XXXX! 
When I spoke to the complaint dept at Navient, they confirmed that I should have been able to take out a Federal student loan back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2020 at about XXXX in XXXX Texas Texas I was asked for a loan of $ & XXXX through XXXX by a coworker. After I sent partial loan amount {$300.00} through XXXX  I sent through chase XXXX  {$520.00}. Less than an hour later I find out my coworkers phone had been hacked and was asking all his contacts for money. I was probably the only one who paid. Not sure exaclty. Contacted my bank right away but the was rejected a refund. XXXX contact information is no help at all. And XXXX  XXXX  is reviewing my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I contacted quicken loan also known as the rocket mortgage to get a quote for a home refinance and I was told that in order to get any quotes I had to give them my SSN and let them pull my credit report. I told the representative that I just want to get a quote to see if it make sense to do a refinance and I gave him all of my credit information that he needed to know to give me the quote, but he refused to give me a quote. Please note that I have contacted at least 5 other lenders and none of them asked to pull my credit report and they gave me a quote. 
Below is the contact information for the person that was helping me out XXXX XXXX XXXX Mortgage Banker Toll Free : ( XXXX ) XXXX x XXXX Fax : ( XXXX ) XXXX NMLS # XXXX Quicken Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

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 2020-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Constar Financial Services, LLC
State: AZ

Complaint narrative:
I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
There were charges on my card that were unauthorized. I had to file two separate disputes. I am supposed to get a provisional credit of XXXX because Im protected for unauthorized charges. I got the replacement card however the 10 business days is XX/XX/2020 and they still have yet to issue it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Card Receivables Fund Incorporated
State: WA

Complaint narrative:
On XX/XX/XXXX I believe I sent a letter disputing the validity of a debt due to my wallet being stolen and I was a victim of identity theft. I sent the letter to distressed assist portfolio about a XXXX XXXX credit card in fact XXXX XXXX  had even called me at one point to tell my my account was compromised this was like 2 years ago I thought I had handled it until this collector reached out to me. There response to my letter was to send my bills that the fraudster charged up and tell me I have 10 days to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit account is with Citibank. Account has always been in good standing with no delinquency. I have not used my account recently as it is for emergencies. Citibank closed the account with no notice. This action taken by the bank without my knowledge caused my credit score to drop by 25+ points. When I called to request that they reinstate my account they informed me that they would need to pull a hard credit inquiry further dropping my credit score In order to reopen the account. This bank also has my primary checking account that I have had for 17 years, one feature of the account is a credit tracker in which I can see my current credit score which is now XXXX, down from XXXX. My checking account has not dropped below {$15000.00} in the past 5 months, and the line of credit I am requesting be reinstated is in the amount of {$300.00}. I dont understand why they must pull a hard inquiry and further lower my score in order to undo an action that they performed without my consent. Especially since they can research my credit worthiness by using information they have readily available from my checking account and an additional credit card I hold with the company which is in excellent standing. So to reiterate, What I would like is for Citibank to reopen the account and remove the item from my credit report which caused it to drop by 25+ points and to do so without further damaging my score which I have worked incredibly hard to build.

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 2020-12-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day 55 and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

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 2020-12-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2020 I sent dispute letters where I disputed incorrect/unknown items on my credit report. It's going on day XXXX and I haven't heard anything back yet regarding these incorrect/unverifiable items on my report. I'm sick of this, this has negatively impacted my family for the past few months. Everything is in shambles, I feel like I'm being ignored and played with and won't take this any longer I'm in distress. In section 611 it is stated that a failure to investigate the items I've disputed within that 30 day time frame is a reason to remove those items IMMEDIATELY. I demand these items be removed immediately or I will be filing litigation for for the stress you have caused me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
They closed my account on XX/XX/XXXXand informed me by email : We have determined your account is not in compliance with your Deposit Account Agreement. Your account has been closed in accordance with the Deposit Account Agreement, section ( I ) ( C ) ( 9 ).

If you still have funds in this account, please allow 14 days for any outstanding transactions to settle and then a physical check for the remaining balance will be sent to the address on file. You should receive your closure check shortly after. 

This isnt the issue, but its worth noting. I signed up with Chime because my bank didnt play well with the XXXX XXXX XXXX. So, why would a bank marketing to the online generation have to question what XXXX is and flag that deposits coming in ( under the $ XXXX limit )? Their interrogation styled emails to me were clearly clueless about XXXX. Kinda sad. 

I had {$1800.00} in there when it closed. I have tried calling them but the automated system blocks my call because they recognize the number and state that since my account is closed I must only use email support. Fine. I emailed several times about the status of my funds. Their replies take days and are always canned with the same info about the 14 days after closure. Ive asked questions and never get answers. The last couple emails may actually be human as they ask me for my address. So, they send numerous emails about it being sent to the address on file but now they wont send it because they want me to give it to them?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: Chime Financial Inc
State: IA

Complaint narrative:
XXXX/XXXX/2020 - I used cash app to purchase a {$300.00} item by unknown seller. I was told once payment was received that I would get tracking details immediately. That has never happened from the seller/scammer I instantly requested refund through cash app and the only way thats approved is through the seller. I got scammed so that person isnt going to approve refund request. XXXX XXXX wont do anything about this transaction either. I couldnt do anything about the charge while it was pending, during that time I had seller/scammer blocked. Yet she still received the funds once transaction settled. I then filed dispute through my debit/credit card company. Which on XXXX/XXXX/2020 I get the decision my claim was denied. Those are my funds I never received anything in return I want to report both XXXX XXXX and chime visa debit/credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: FL

Complaint narrative:
I returned a vehicle to XXXX XXXX  off lease and picked up a new leased vehicle from the same dealer on XX/XX/20. The car was clean and dent free. Today I received a call from a collection agency ( XXXX XXXX ) stating that I owed {$660.00} on the returned vehicle. I never received any prior notification or report of any damage to returned vehicle. I was threatened with a judgement if I did not pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-18 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: FL

Complaint narrative:
Called and sent several disputes to TransUnion on XXXX/2020, XXXX/2020 and XXXX/2020 asking for verification on the dates and inaccurate information on a bankruptcy. And havent received anything back contacted bankruptcy court and they stated they can not provide in documents to third party company which TransUnion has not verified none of the inaccuracies and has not provided me any documentation on their verification.

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 2020-12-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
I request a refinance with the loan company that I am already with. Loan Depot-XXXX XXXX team. First, I inform him that I owe XXXX, I think, and he stated, let us make it a little high to be safe, and they will get the real amount when they request it from there company, and if it is lower, we will get at the at final workup sheet. The Rate lock ( 60 Days ) Agreement was on XX/XX/2020 2.375 %, an origination charge 0.286 % of loan Amount ( Point ) {$1300.00}, {$1300.00}. Loan Amount $ XXXXLoan Term : 360, Loan Purpose : No cash Out Refi. Loan Product : VA IRRRl Fixed 30 years. Loan Type : VA. Lock Expiration Date : XX/XX/2020 terms were extended to XX/XX/2020. Borrower sign on XX/XX/2020. New Account number : XXXX. The payment was made on the old account:XXXX balance now is ruffly {$470000.00} and sent paid before closing. I would get it back ; he rolled it over, and he got that monies. Then on XX/XX/2020, I received Maryland Loan Commitment, XX/XX/XXXXLoan # XXXX Lender : LoanDepot.Com, LLC. Borrower ( s ) : XXXX XXXX XXXX. Property Address : XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX. Loan Term : 360. Principal Loan Amount : {$480000.00}. Type of Mortgage : VAXXXX Interest Rate : Fixed:2.375 % Adjustable Initial Rate : N/A Points:0.286 % Md.Code Ann., Law SS12

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase, for the last 4 months, continues to conveniently " Lose '' payments and not apply my payments on time. My online payment company said they do not know WHY they are doing this as they have called them multiple times to correct the dates. I am accruing incorrect interest on an incorrect balance and now they are hitting me with late fees. 

The bill paying company I use, XXXX, called them stating they are sending payment within 10 days of payment due date, as they have been for the last 19 years. Why are they now losing payments and charging this customer ( me ) late fees and not adjusting her balance accordingly, as well as her interest? 

I have paid them, as of XX/XX/XXXX, {$3500.00} and they have NOT adjusted my balance due ( see attached image ) ... but they have added a late fee to my account for a payment they should have posted XX/XX/XXXX ( my grace period date ). The payments date they show are NOT THE CORRECT PAYMENT RECEIVED DATES. They are making my payments LATE. Should be NO reason it takes them 2-3 weeks to BOOK my payments!! I paid {$570.00} on XXXX ( sent out 2 weeks before by XXXX XXXX XXXX ), I paid {$500.00} on XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ), I paid {$2500.00} on XX/XX/XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ). XXXX has ALWAYS sent payments 2 weeks before and for 19 years, these reflected on the DUE DATE. NOW, they aren't and I'm getting hit with late fees and incorrect interest applied. 

This is insane!! I need assistance to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: GA

Complaint narrative:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXXXXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for 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 non-monetary relief
Consumer complaint received 2020-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an HELOC account with US bank that has currently XXXX balance. When I opened the account Banker told me if you do not carry any balance on this account you can close the account anytime without any penalty. I talked to couple of times already and paid a small amount they charged to my account ( as annual fees of $ XXXX which was also not told by the banker when I opened the account ). After I paid the account asked them to close the account and they promised me account is closed. They repeatly told me your HELOC account will be closed, nothing to worry as you ahev now XXXX balance on your account. I thought the account has been closed as promised. 

I tried to refinance my mortgage through another lender ( XXXX XXXX ) and during closing cost dsclosure document they have an item US Bank {$400.00}, I got surprised after seeing this. 

Called US bank again and I was told if you close the HELOC within 3 years of opening the account you have to pay {$400.00} of penalty. This was also not disclosed by the banker during opening of the account. 

These are the deceptive practices US bank is using to extract money from customers. Please take action against the banks who are involved in such deceptive practices. This is really bad for consumers, even though we do not owe any money to bank, they are penalising customers unnecessarily by using these kind of deceptive practices. 

They told me these are the agreement I signed. Bankers need to disclose all these information that is on the contract during opening of the account to consumers. This was not done in my case.

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 2020-12-18 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: GA

Complaint narrative:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX  XXXX. The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18 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: GA

Complaint narrative:
In XXXX 2019, I had a late payment on my XXXX XXXXXXXX XXXX XXXX  The company agreed to remove the late payment and have updated this information twice with the credit bureaus but they are continuing to add the late payment back once it is removed. I would like this issue resolved once and for 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 non-monetary relief