vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
On XX/XX/19, purchased a dining room table in the amount of {$1100.00} from XXXX XXXX ( XXXX, FL location ) using my Citicard. Company delivered furniture on XX/XX/19 in damaged condition. Per company 's policy, I immediately took pictures of damage and filed a claim online ( claim # XXXX ). Over the next two months, the company made 3 separate appointments to repair table ; only to not show up ( or even call to cancel appointment on two occasions ). Simultaneous with complaint, I notified Citicard that the charge of {$1100.00} is being disputed until the table has been repaired. Citicard issued temporary credit. When XXXX XXXX was unable to repair table ( or even show up to do so ), they appeared at my house without notice on XX/XX/19 to pick up the table. I then received a copy of a memo from XXXX XXXX ( ref XXXX ) advising " credit memo to pick table up. '' However, apparently XXXX XXXX never coordinated that credit memo with Citicard. 
Citicard issued a memo on XX/XX/19 advising " regrettably, we are unable to assist you with this dispute. '' I sent a detailed letter to Citicard at their XXXX XXXX, SD address ( only address supplied by them ) detailing the nature of my complaint and again requesting their assistance since they reversed the credit to my account. Never received a response to this memo or my other written communications to them. Citicard is now showing me in arrears for the {$1100.00} charge plus accumulated interest. Note that I always pay my credit card balances in full each month and have an excellent XXXX credit score. 
I subsequently cancelled my long-held Citicard ; yet, they still are showing me with an outstanding balance. Sincethe table was picked up by the vendor, a credit memo issued but not acted upon, why are they not crediting my account in full? It is impossible to receive an answer from Citicard other than " you have to deal with the vendor directly. '' Needless to say, the vendor -- XXXX XXXX -- does not respond either. 
If you want copies of the multiple letters and memos, I can furnish them.

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 2020-02-18 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: FL

Complaint narrative:
In XX/XX/XXXX I purchased set of XXXX wheels for {$2000.00} from XXXX XXXX , XXXX. I received a set of XXXX XXXX XXXX. XXXX acknowledged the mistake. I had to file a dispute with my credit card company ( CITI ) for XXXX to eventually agree to take back the wheels in exchange for a {$2000.00} refund. I returned the wheels at CITI 's direction to resolve the credit dispute. The wheels were returned with XXXX   labels provided by XXXX, and were delivered on XX/XX/XXXX. ( XXXX tracking numbers XXXX ; XXXX ; XXXX ; and XXXX ). I have followed up multiple times with my credit card company ( CITI ) and XXXX, but now one year after this merchandise was returned, I have still not received a refund and the charge continues to incur interest on my account. CITI 's most recent correspondence indicates " We have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. We no longer have any additional recourse to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation remains closed. '' Attached is 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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened a checking account with Chase in XX/XX/2015. They offered a Freedom credit card. I felt like saying no thank you but they made it seem like id be crazy not to use the rewards program as it would be money in my pocket. I agreed and trusted the process but but but not realizing that the more you spend the more u get back was sooo not true. I used this card for everything and rolled over the rewards to the card hoping the rewards would help but it did not. This account is now closed. I contacted them and they put me on a plan to pay it and I told the guy I could only afford {$50.00} per month. He said he couldn't go below {$90.00}. He set it up and now it has 5 late payments. When I try to pay the {$50.00} I can afford they won't accept it. This card balance is {$4100.00} with {$350.00} per month. Oh and I never requested the credit limit to be increased either. It just happened ... like it was a good thing! And if they would not have done that maybe I could have gotten a grip on the card once I realized the reward program was a way to keep a big balance leading to more intere $ t. Not a reward at all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.

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 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For at least the past 5 years Equifax has refused to provide my free annual credit report when requested via the XXXX   XXXX XXXX ( https : //www.annualcreditreport.com ) website. Every year I have to jump through a bunch of extra hoops to get it by mail ( instead of electronically like I get the other two credit reports ) and then half the time their call center wants to charge me for it. 

I was advised by their XXXX page to call their Global Consumer Care Team at XXXX, but the auto attendant refused to connect me to a live person. 

As far as I can tell Equifax is trying to use this to scam money out of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2020-02-18 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:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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:
I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

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 2020-02-18 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letters after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way to many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX-XXXX {$1500.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX   XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$51.00} XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX   XXXX XXXX XXXX XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
When I try to link my bank to any account the PNC mobile app acts up. In this situation it states " PNC Bank is block you from enabling external applications ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In XX/XX/2020, I walked into a branch of Citizens Bank in downtown XXXX to address several charges on my demand deposit account. I was directed to speak to an agent. I did not note the agent 's name as I had no reason at that time to suspect anything was amiss. She told me one option to address my concerns would be to open a new credit card. She told me I could be approved right away and could transfer a balance from another card and that there would be zero percent interest for one year. She made no further oral disclosure. I do not believe I signed any disclosure concerning any " balance transfer fee. '' After I opened this credit card account, I saw an approximate {$180.00} transfer fee on the account. I tried to address this with Citizens Bank and was told, in effect, " we made a disclosure. '' I dispute this fact and consider the practice of emphasizing positive features of a credit card, while ignoring, concealing or disclosing only in " fine print '' in a quickly-presented electronic form -- perhaps with a catch-all " I agree to all terms and conditions '' disclosure, if one was made -- to be an unfair or deceptive act or practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have made numerous attempts to have missing positive information on my credit report be reported. In place of the positive Consumer Data it reads ( No Data, Missing Data, Not Reported, etc .... ) From Equifax Website : Can I only report the positive or delinquent accounts? Am I required to report an account when payment behavior is inconsistent? *Equifax requires its Data Furnishers report full files on a monthly basis. Why were my full files not reported for various months? Also you have 30 days to respond to a complaint please explain why I have not been addressed for 10 months on 1 complaint from Equifax? I have written Emails and Called them to no avail. I have provided them with credit card statements to prove payments made as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-02-18 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: FL

Complaint narrative:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2020-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for a credit card with JP Morgan Chase bank on approximately XX/XX/2020. I currently have Several other cards with them ( credit score ~XXXX ). They claim I did not pass Identity verification based on questions from my credit report. The questions asked did not apply to me and I was denied. After denial I asked which credit bureau they used which ofviously had erroneous information about me so I can get it corrected. They refused to tell me. The customer service person would only suggest for me to reapply. If they use this same bureau there is a high probability I would be denied again. If I knew which credit bureau hopefully I could get it corrected. This would save us both time. 
All I need is the name of the particular credit bureau they used. 

I find it very ironic they can not identify me since I have servral other cards with them and I log into my account to apply. They already had all my personal information and everything remaind the same except I am retired now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Since XX/XX/2019 I have been requesting NewRez LLC to conduct a new escrow analysis on my VA home loan they service on behalf of XXXX XXXX ( XXXX ). 

Emails go unanswered, phone contacts take 25/30+ minutes to speak with an agent who can not help with escrow .... I do not receive email responses. The only written response I received was dated XX/XX/XXXX. NewRez has been collecting well-in-excess of what is needed for my escrow to pay property insurance and property tax. These monies will not earn interest and would be better used for principal or other payments.

NewRez has a customer service culture of ignoring requesting and failing to respond in a timely manner. I have called them four times since XX/XX/XXXX and emailed a similar number of times. I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
I sent a debt validation letter to them asking for proof that I obtained this debt and they failed to provide actual proof that I obtained this debt! Now they are stating that the information that they provided to me WAS in fact sufficient, when by law it is NOT. I asked for my signature, or a school picture ID that PROVES I attended this school to obtain this debt! They provided a ledger and a class schedule. That is it! That in NO WAY proves that I attended this school or that the debt belongs to me! It doesn't include any identifying information to prove the debt is mine! By law, they have to provide proof that I attended this school because if they don't then they can't collect this debt! Just because they say the info that they provided was sufficient DOESN'T mean it is! Any judge in the land will agree with me! And I am prepared to take this that far if they want to keep playing games and trying to bully me into paying a debt that they can not even prove is mine!

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 2020-02-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company response to consumer: Closed with explanation