vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My card has been declined many times over the past month, and all my payments being held ( for security purposes ). When I check the account online, the balance is XXXX, and card declined. I have accepted this for a while and have used other credit or debit cards, but today my daughter who is XXXX had the card declined at a gas station and had to wait for 1 hour and 40 minutes until I was able to get Citi Card to clear the payments made 12 days ago ( on XXXX XXXX.Today is XX/XX/XXXX ). Two of the attendees just hang up on me, and the third one connected me to my checking account bank to verify the payments. While on the phone, XXXX XXXX  explained that it is Citis responsibility to get the payment, which happened only on the XXXX of XXXX, and cleared only yesterday, the XXXX of XXXX. Despite all the bureaucracy that seems to involve a simple payment made over the Citis app, even after Citis supervisor say that the payment was only cleared on XX/XX/XXXX, my daughter was still shooting me desperate text messages, because it was very embarrassing to have to wait at the gas station for the card to work at her lunch time, which was only 1 hour. She had to call up a friend who came to lend her money because Citi couldn't take care of the " problem '' right away. 
Is unacceptable to me as a client that I have my purchases declined at cashiers, that my daughter goes through this situation, that my money is being held at no interest, not even respect, for weeks. All I was told after all, was that they apologize for the inconvenience. 
My conclusion was that if I cant rely on a credit card, it becomes useless, I decided to close the account. When asked the attendant about the miles I have on it, she said she couldn't anything about it. 
Money cost money. I have had over 7k held by this financial institution for no cost, and am disgusted by it. This situation should really be reviewed by who can respect and defend the costumerrights.

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 2019-06-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I have this Mortgage Account opened with XXXX XXXX XXXX ( XXXX ) which is also known as United Shore Financial Services , LLC Account No. XXXX, they opened by Mortgage Account on XX/XX/XXXX. Based on all the documentation I submitted and house Value, they came up with the payment of {$2700.00}. 

The distribution is in this manner - Principal {$580.00} Interest {$1900.00} Escrow Amount ( for Taxes & Insurance ) {$180.00} it comes out to be a total of {$2700.00} {$180.00} is the PMI ( private Mortgage Insurance ) which I pay monthly. 

So when they approved the loan they already calculated my taxes and Insurance and accordingly how much my PMI should be. 

Now three days ago XXXX sends me this letter which states that they have increased my payments from {$2700.00} to {$2800.00} because there are changes in taxes and insurance of my property ( please see attached ). 

I called XXXX and spoke with the Supervisor and he said my Taxes and Insurance has changed and that is why they will increase my monthly escrow ( PMI ) payment from {$180.00} to XXXX ( XXXX has made an increase of {$45.00} ). 

Well, I have my Home Insurance through XXXX and their insurance for the whole year is {$420.00} which is already paid. 

I also called the county assessor office on XX/XX/XXXX and the assessor office told me that my house taxes haven't been prepared yet as I just bought the house 5 months ago and system hasn't registered my name yet, so they don't even know how much are my house taxes yet. So I do not understand on what basis XXXX is increasing my Escrow amount. 

When I asked the XXXX supervisor about this, he sent me a PMI disclosure ( Please see attached ) which doesn't mention anything that PMI will be increased anytime and out of no reason, in fact it just states " PMI protects lenders and others against financial loss when borrowers default. Charges for PMI are added to your loan payments. '' So this is an extortion from the Lender.  People in southern California can not afford to buy the house, those who can face big extortion from companies like XXXX. 
They haven't learned the lesson after loosing a Lawsuit in XXXX over bad FHA mortgages and settling the case for {$48.00} XXXX. 

They just increased my PMI by {$45.00} out of their whim and have no explanation to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My information was used to obtain a loan from Chase Bank. I have mailed in documentation to the financial institution denial of financial responsibility forms signed by a notary. The companies have not stopped harassing me and they want me to pay for something associated with fraud. I have requested a contract with a signature that belongs to me and they have yet to produce one whatsoever. I have mailed to them proof that the debt and loan does not belong to me and they have not produced any validation of any agreement that verifies I have any loan or promise to pay Chase Auto or any financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After having a checking and savings account with BOFA for over 10 years, I was the victim of fraud. Bank of America chose to close my account and failed to protect me pursuant to federal law that protects consumers from fraudulent activity and further restricts financial institutions from closing accounts as retaliation for reporting fraud. Notably, I recall having a balance of about {$1300.00} in my checking account at the time of closure which was never sent to me in the form of a check. I would like the money I am owed from BOFA or I will file a small claims lawsuit.

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
We were looking for a new car at XXXX XXXX GMC located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. We never came to an agreed price for the vehicle or our trade so how could they possibly put through a loan app. not knowing how much we ; d need? Without our permission or knowledge they sent out multiple " Indirect Loan '' inquiries. We are now receiving letters of rejection from XXXX XXXX, XXXX  XXXX, and XXXX knows who else 's rejection is headed here! They have messed up our credit history and the wrong information now needs to be corrected. They had no business doing this without notifying us. We have our own banks, we'd never have dealt with one of theirs. We've filed complaints with the XXXX, GMC, XXXX and now the CFPB. The sales person told us she was going to check our credit rating not apply for a {$27000.00} loan for a used car with a sticker price of {$21000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am a former resident and I was advised to move out within 24 hours of receiving the move out notice on XX/XX/2019. I moved out on XX/XX/2019 as requested then received a bill later for charges. The first invoice was incorrect that was sent via email from XXXX XXXX on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice via email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice. The collection notice is dated XX/XX/2019 asking for me to pay them directly and not the apartment complex. The collection agency stated that they will report me to XXXX, XXXX  and XXXX if the balance is not paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX

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 2019-06-04 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX/XXXX XXXX

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 2019-06-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Would like my fraud alerts removed

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 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX, XXXX, XXXX, my aunt attempted to lend me {$800.00} via XXXX. She used my email, which I didn't know at the time, was linked to an old Capital One account. I had not used the account in years and was unaware of why it was even still open to begin with. We attempted to cancel the transaction by calling XXXX, which is my aunt 's bank. They said they couldn't do anything because it was already accepted by Capital One ( my bank ). I then called Capital One because I had no access to the funds in that account. I tried to get them to tell me why I had no access to this account but, they wouldn't really answer my questions, only that it had to do with something from years prior, like I mentioned before, this account hadn't been used since XX/XX/XXXX, why it was still open in XXXX is beyond me. I tried to ask Capital One what were my options in order to either get the fund released to me or even sent back to my aunt. Capital One informed me that they would mark my account to release the funds back to XXXX XXXX  as long as they received a letter from XXXX stating to do so. My aunt said she spoke to XXXX on two separate occasions asking for them to request the money back and they informed her that they did. When I called Capital One again, they said they never got anything. 
Basically, Capital One is holding onto my money for no reason what so ever because the account is not and was not overdrawn prior to the money being deposited. There was no pending charges either. I even spoke to the company XXXX and they refuse to get involved. This has been going on for months with nothing happening from either bank. I've tried to get this solved numerous times to no avail. Capital One is wrongfully holding my money that is rightfully mine. There's even a banner on my account now that states " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have statements from my Aunt and her bank that they have tried to work with Capital One to get the money sent back to her, but have yet to receive a response from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We filed for Chapter XXXX bankruptcy in XXXX and it was granted. We did not include our home but did not fill out the proper forms ( we did not use an attorney ) to say we would pay the mortgage. 

XXXX we applied for a home equity loan and were told we have two liens on our title. We should not, I am trying to find the bank below to get a pay off letter from them to take it off our title. 

FIRST LIEN : First Franklin Financial Corp - I sent a certified letter to them requesting this and it was " return to sender Not deliverable as addressed Unable to forward '' I've called/researched but am not able to locate a phone number/address. 
I also found out First Franklin is a subsidiary of XXXX XXXX XXXX   of Indiana that closed in XXXX. How do I find current contact information for this bank? 

SECOND LIEN : XXXX XXXX this is who we pay our mortgage to. I sent XXXX XXXX a certified letter ( XX/XX/XXXX ) requesting debt verification for the mortgage. I got a letter from them ( XX/XX/XXXX ) saying we would hear back in writing in response to this request in 30 days. The letter also said the note holder of the mortgage is : XXXX XXXX XXXX XXXX with an address, I sent them the same debt verification certified request letter. I got their card back that they received the letter but I have not heard from them. It's been over 30 days - what recourse do I have, if I don't have proof of the debt?

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 2019-06-04 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: NY

Complaint narrative:
Would like my fraud alerts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I have disputed this collection account 3 times and ARS has refused to send me any documentation concerning this debt- I have enclosed copies of the initial dispute sent through Consumer Financial Protection Bureau XXXX XXXX dated XXXX. ARS stated they did not have any records or any files for this account. Ars stated they could not even locate the account- Please explain why this file or account was not able to be located XXXX? 

ARS stated they sent out debt collection letters XXXX, XXXX and XXXX - I am requesting copies of these letters and documents created by ARS to be uploaded with the response to this complaint and a mailed copy be sent to me for my records ARS has not provided any documents that the company XXXX XXXX XXXX gave them rights to collect this debt OR any bills or accounting showing how this debt came to be- Please upload copies of these documents through the Consumer Financial Protection bureau and mail a copy to me for my records ARS has refused to provide copies of bills, Judgement or any accounting of amount ARS claim is owed- I have never received copies of anything Ars has not provided the name and complete address to creditor- There was no address listed in prior response- The name listed on the credit report is XXXX XXXX XXXX  not XXXX XXXX This is a violation**** FDCP section 809 ( 5 ) I was not given a complete address of original creditor in my prior complaint ( CFPB # XXXX ) and FCRA I believe ARS is using Unfair Collection Practices and are in violation of FCRA section 808 ( 1 )

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 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
It has been brought to my attention that there is a lien placed on my SSN, through Citi bank for a credit card from XXXX. Citi is no where listed on my credit report as a collection, active, or closed account. When attempts from myself and financial representation attempted to gain information such as debt payoff amounts, and signature pages the representatives refused, stating my account needed to go into review and in 3-5 business days we could call back for further decisions. On XX/XX/XXXX my wife, XXXX, was able to climb up the representative ladder to speak with a Manager at Citi, XXXX ID # XXXX, who released the lien. She also gave my wife the information of their attorneys office whom she would be sending the release to for contact, XXXX, XXXX, & XXXX. We contacted the attorney 's twice, and both times they stated the file does not exist in their office. 

XXXX XXXX Courts have closed the case due to age though they do not have the release of lien to remove it from my SSN. 

On XX/XX/XXXX, two calls were made to Citi 's Internal Recovery dept. Both the representatives refused to forward Mrs.XXXX to a supervisor. Stating the account needed to go into further review for a decision to be made. One of the representatives even hung up during the phone call with my wife. The debt is from XXXX, all requests of documentation to be presented have been denied. Now that it is supposed to have the lien released, we are back to the beginning of attempts to collect the debt.

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MACYS/DSNB REVOLVING ACCOUNT # XXXX OPEN DATE XX/XX/2012 IS FRAUDULENT AND NOT MINE. I HAVE CONTACTED THE CREDIT BUREAU TO HAVE THIS FRAUDULENT ACCOUNT BLOCKED AND REMOVED FROM 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 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My payments are sent automatically through my banks bill pay service on the last business day of each month. 

On XX/XX/16 the payment sent was applied to my account XX/XX/16 as principal. This made my future payments appear as if they were late and generated late fees. When I got a notification that my account payment was late, I spent several hours over multiple days getting statements and trying to find out what happened. When the error was discovered I was told my the customer service agent they could not help correct the mistake but would transfer me to another department where I was told the money was already paid to the investor and could not be corrected unless I made an additional payment or applied for a hardship assistance. I met with an attorney who said not to apply for the hardship assistance because it was not my mistake. Eventually I did end up applying in order to try and get everything back on track and was denied because it wasnt a hardship. 

I am trying to refinance my loan and was cleared to go by my mortgage broker. He told me not to make my XXXX payment because we would be closing before the XXXX. On XX/XX/XXXX the broker called to let me know Wells Fargo was now reporting me late for the month of XXXX and I needed to make the last payment which I did on XX/XX/XXXX and it posted XX/XX/XXXX. On the XXXX I was told by the broker because Wells Fargo reported a late payment in the last 12 months, I was no longer eligible for a refinance and the original error needs to be corrected. 

I need my credit report to reflect on time payments which requires the original error be corrected and fees reversed that were generated from this initial error.

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