vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit 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: PA

Complaint narrative:
On XX/XX/XXXX I purchase a XXXX XXXX XXXX Contract Number XXXX in the amount of {$470.00} in 3 equal payments to cover my Dishwasher and Electric Dryer. Payment # 1 was received by Sears on XX/XX/XXXX, Payment # 2 was received by Sears on XX/XX/XXXX and Payment # 3 was received by Sears on XX/XX/XXXX each from the account ending in XXXX. 

This agreement was to cover my appliances until XX/XX/XXXX. 

On Tuesday XX/XX/XXXX, I called Sears Home Services at XXXX to get service on my Non-Working Dishwasher. 
I was told at the time that I cancelled the XXXX XXXX XXXX on XX/XX/XXXX and money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I told them that I never cancelled this and then I was transferred to another department who also stated that I cancelled and the money in the amount of {$470.00} was refunded to my account ending in XXXX. 

I then called Ms. XXXX XXXX a member of the Executive Member Support at XXXX to ask for her help. 
On Tuesday XX/XX/XXXX I received a non-statement form from Ms. XXXX showing payment was refunded with no other proof. 

I then requested statements covering the period from XX/XX/XXXX until XX/XX/XXXX for the account ending in XXXX. 

It took 3 weeks for those statements to arrive and they showed the refund was never made.

After many hours on hold with Sears trying to get answers,  sending letters to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX, plus leaving many messages for Ms. XXXX, no one ever call or responded. 

It has been 8 weeks now and my Dishwasher still does not work and at this point all I want is the {$470.00} Sears claimed they refunded which I never received. All I want my money back for service that I paid for and never got.

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 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
It is incredibly difficult to manage a security freeze with Equifax. My experience is not uncommon, as a quick XXXX search reveals. The web interface unhelpfully yields, " We are temporarily unable to complete this request. Please try again later. '' Instead, I am forced to call Equifax and use the automated phone system to manage the security freeze. However, even after correctly providing the required information and answering security questions, the system unhelpfully informs you that it is unable to assist you. It suggests managing the freeze via fax, mail, and ends with an option to speak with a representative. Finally, after wasting time with the automated system, the representative is able to assist with managing the security freeze. Afterwards, the representative tries to sell me services. 

This problem does not exist with XXXX  or XXXX. I am able to easily manage security freezes online with both of those credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have called XXXX, Equifax and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
Paid off Boat loan account number XXXX for boat motor and trailer back in XX/XX/XXXX. After a few weeks they sent me copies of the payoff letter release of lien and 2 of the three titles. I received titles for the Boat and Trailer but did not receive the title for the motor. The registration for the motor with Texas XXXX is XXXX and still show a lien from US Bank NA, XXXX XXXX XXXX, XXXX, WT XXXX. Contacted US Bank on the XXXX of XXXX to discuss where my title is spoke with a bank agent to review all the available document and he was not able to explain where my title was. The agent would request a duplicate title and it would take 3 days to process. I called again on the XXXX of XXXX to get a status report on the title and when I could expect. The agent asked me to call back on Saturday to follow up. I call again on Monday the XXXX of XXXX and was told by another agent that it was processed and it should be sent to Texas XXXX to release the title and get a reprint. The title was electronic. I contacted the selling dealer just to check to see if the title was sent to them in error it was not. After speaking with XXXX the bank agent he assured me the team was working on getting me the title. I call again XX/XX/XXXX to discuss the process and there is no movement in getting me the title. I asked to speak with someone in supervision and was deferred to writing a letter. I have the vessel sold and unable to complete the transaction without the motor title. This would not be an issue if the boat was not sold.

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 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
this started on XX/XX/XXXX their was a lot of unauthorized fraudulent transactions made by playstation/sony in my card. I have been going to my local bank almost everyday and they have not helped me as much, I just wanted to know whats taking so long for them to dispute my transactions i have bills to pay and was wondering if i can get this situation fixed sooner

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 2020-09-04 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: OK

Complaint narrative:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX XXXX {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: OK

Complaint narrative:
The following fraudulent accounts are on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX  {$370.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX A {$240.00} XXXX XXXX XXXX   XXXX  {$380.00} Account number XXXX ( no name provided ) {$120.00} I have been trying to get this resolved since last year with no luck. please help

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 2020-09-04 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: AES/PHEAA
State: DE

Complaint narrative:
FedLoan Servicing reported me as missing my payments in XXXX, XXXX, and XX/XX/XXXX. This was put on my credit report. I was a student at the University of XXXX at the time and my enrollment was at least half time. My federal loans should have been in school deferment. 
I talked to Fedloans over the phone and sent them a letter on XX/XX/XXXX and sent them documentation that I was elegible for in school deferment durring the times that if was reported that I missing payment. Fedloans responded with a letter dated XX/XX/XXXX which stated they had sent the corrected information to the comsumer reporting agencies to wich the incorrect information was previously reported to. However this infomation is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my report. 
on this day over 60 days later I have not received responds yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 day gives a reason to immediately remove those items from my credit report it been over 60 days so they should be deleted promptly. I'm asking these accounts be deleted immediately or I will have to file litigations due to the stress you caused me. My information was also impacted by the XXXX  and XXXX XXXX breach and may have gotten into the hands of the wrong person.

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 2020-09-04 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: Ocwen Financial Corporation
State: CT

Complaint narrative:
I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to Ocwen loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being XXXX  over XXXX XXXX years and tried to work with Ocwen to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They  wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and Ocwen puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with Ocwen that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: CARD Corporation
State: ID

Complaint narrative:
I received a credit card in the mail that I did not open nor authorize from CARD.COM. The phone number, email address and the mailing address on the envelope the card came in I question if any is legit. My identity has been stolen and I have made a police report, contacted the FBI, put have a credit freeze with the 3 credit agencies, freeze with checking acct institution, filed a complaint with the FTC, fraud complaint with XXXX ( Loans ), and many more steps. We have attempted to call card.com ( XXXX ) but are on hold and never get anyone to answer and we have emailed their support email address and no answer. We attempted to contact XXXX XXXX, which is listed on this VISA Debit card and they are no help at all. We contacted VISA ( XXXX ) and they attempted to call card.com and created a cancel card request to card.com ( reference # XXXX ). This is a nightmare and I feel I have no control over my over social security, credit, etc. Please, I am asking for help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have two mortgages with Bank of America. I am on an extension & need to complete my XXXX income tax return. I need the amounts paid for insurance on each property for the year XXXX. The amounts are paid through the mortgages. 
I have called Bank Of America numerous times starting on XX/XX/XXXX. I have waited 90 minutes, 45 minutes & it is the same each time. Their is an automated system that sometimes comes on-not always-but in spite of trying to use that-it does not recognize what I am asking for. On the rare occasion I actually talked to a person at customer service they have informed me that they can not provide me the requested information, nor can they mail to me, or email to me.I have requested if they can not -are unwilling actually-to give me these amounts that they simply send me copies of escrow postings & payments for XXXX, which will show the amounts paid for insurance. They have not & will not do this either! 
I have also requested the information I so desperately need by writing to them at to different addresses they have on their paperwork for general inquiries & also another for property insurance inquiries. No reply received. 
The one time I spoke to someone at the number provided for property insurance inquiries she told me she could not even give me the amounts even just verbally, saying there was no way they could access them. She sent me to the general customer service number where I was told they did not have access to this information & transferred me back to the property insurance inquiries where they told me only general customer service inquiries could help me.

These are my mortgages-two of them-I went thru their identity  process each time. I provided my mortgage account numbers, address of the properties & everything else they asked for. 
Do I not have a right to this information when am the one paying these mortgages? The local branches all remain closed here. There is no way to be able to contact them. They do not answer the phone, and the doors are locked.

The only thing I can do is provide a letter to the IRS with my tax return stating Bank of America refuses to provide me with this needed information.

The way Bank of America treats a customer is a disgrace. They could not care less.This goes way beyond bad service. I want to know where else I can report their obstruction because it is so wrong.

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 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: WA

Complaint narrative:
The service provider is " The Money Source ''. My loan number : XXXX I made principal only payment and accepted by the service provider. The amount ( {$5300.00} ) is much bigger than the monthly payment ( {$2200.00} ). The lender moved the fund to suspense account without justification. I tried to contact them but no satisfied result.

Detailed timeline : 1. My loan was closed on XX/XX/2020. 
2. I made 2 principal-only payments ( specified payment is principal only explicitly in the system ) on XX/XX/XXXX and XX/XX/XXXX, {$2600.00} each time ( {$5300.00} total ). 
3. The fund was applied to principal successfully but on XX/XX/XXXX, it moved to " suspense ''. 
4. I called and some representative helped me to move it back to principle on XX/XX/XXXX. 
5. But it became " suspense '' again 1 day later on XX/XX/XXXX. 
6. I called again and told my loan was transferred to Mr.Cooper and the official transfer date is XX/XX/XXXX, and the representative told me that's why the fund became " suspense ''. They told me the fund would be transferred to the new service provider ( XXXX XXXX ) and TMS won't pay any interest for the period the fund was held. 
7. Now I have an account with XXXX XXXX but I can not see my {$5300.00} applied to principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: LA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
6. Validate Account AD XXXX REC Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of XXXX Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX  1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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:
I purchased 4 passengers tickets from www.sky-tours.com for around {$4300.00} in XXXX and the flights were cancelled due to COVID-19 but I still haven't received refund yet. I filed a credit card dispute through Citi card but they closed the case as merchant 's favor even though it was fully refundable tickets. I contacted the travel agency so many times but they never answer the calls. They just kept telling I have to wait.

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 2020-09-04 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: VA

Complaint narrative:
I have called Experian, XXXX  and XXXX  credit bureau and ask them to remove these addresses that is incorrect. But they said they could not remove them. So this is why I am contacting u all. Please have the three addresses deleted off of my credit report.

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 2020-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KLS Financial Services, Inc
State: NY

Complaint narrative:
Today, XX/XX/2020, I received a credit alert from XXXX  regarding KLS Financial XXXX XXXX XXXX XXXX, NC XXXX, placed an account in collections as derogatory. I DO NOT have an account with these people and never have, I havent been to North Carolina in 25 years. They falsely claimed a debt belongs to me and am insisting that I pay it or else. I did NOT give this company my social security number. I did NOT sign anything. They found it from someplace and am using unfair and fraudulent practice to collect on this debt. I spoke to Mrs XXXX and XXXX XXXX who are insistent on reporting this debt as mines unless I pay. They are messing around with my credit and social security as well. According to XXXX  today XX/XX/2020, Someone called to dispute my charge yesterday on XX/XX/2020, however, I didnt find out until this morning, leaving me to believe they are playing around with my social security number that I did not give them. They must have looked it up. They should not be allowed to place an account in collections if they can not prove the account belongs to that person.

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 2020-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I sent Summit AR a letter, which is attached. In the letter on page 4 I clearly state that I am represented by an attorney who's contact information I provided. The letter was sent to them via Fax and Certified Mail. Summit AR must've not read my entire letter because they responded to me directly instead of my attorney. This is a violation of the FDCPA 1692 c ( B ) With anyone except consumer, consumers attorney, or credit bureau concerning the debt and 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. I am requesting that summit AR cease an desist their disregard for the law right away and contact my attorney right away to resolve this matter. No lawsuits have been filed YET.

Company response to consumer: Closed with explanation