vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: OR

Complaint narrative:
I purchased a new piano. This piano was delivered with a defect. Salesman said that it could be exchanged with a new one. That exchange occurred, but we were given a used showroom floor model. We went back to the store, saw that the showroom model was missing, and asked for a refund. Merchant refused to refund. 

We disputed the charge with Citibank Visa & provided them evidence of what happened. Citibank went to merchant and asked for credit on this charge. But merchant refused, and Citibank sent a final letter to me saying " since we are unable to obtain compensation from the merchant, your account has been rebilled ''. 

Citibank initially agreed to my response/evidence and asked merchant for credit. But if merchant refused the chargeback, then why is Citibank rebilling me? 

According to the cardholder agreement, I have a right not to pay this amount. I am considering bringing this case to 3rd party arbitration, which is my only legal path of escalation left. I do not want to pay the amount under dispute, but Citibank 's dispute center representative said that I must pay if I did not want to incur interest charges. I am afraid that if I paid the disputed charge, I'll lose my billing rights which says : " ... you may have the right not to pay the remaining amount due on the purchase '' provided that " ... you must not yet have fully paid for the purchase. '' Can you help get some clarification from Citibank on why they are billing me if the merchant is at fault? And if this is pursued under 3rd party arbitration, is there a way to issue a conditional credit so that I do not have to incur any penalties while this is being arbitrated? 

Sincerely, XXXX XXXX Citibank dispute ID : 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 2020-05-15 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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Plastiq Inc.
State: PA

Complaint narrative:
Plastiq is a bill payment company which lets you use credit cards to send payments by checks to payees who do not accept credit cards directly. 

They have a referral program where if you refer someone and they make a payment over {$500.00} then the referred person gets {$500.00} of Fee-Free-Dollars and the referrer gets {$1000.00} of FFD. These FFD can be used to send payments exempt from the usual 2.5 % charge.

The complaint here is that I referred my daughter and she made payments over {$500.00} yet Plastiq refused to issue the FFD to her and to me, and refused to provide an explanation.

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 2020-05-15 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: WI

Complaint narrative:
When I started service with XXXX XXXX on XX/XX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.

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 2020-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Week of XXXX XXXX I called NEWREZ, my mortgagee handling company about unpaid mortgage insurance to company called XXXX XXXX XXXX. Insurance payment was due on XX/XX/2020 for XXXX . Long story short, after spending 15 plus hours on the phone waiting and arguing about it not being paid, the company basically said the check was mailed XX/XX/2020 and was still outstanding and there was nothing they could do. 

I told them to cancel the check and I would pay it myself once my escrow was refunded. They told me there was no guarantee that they would cancel the check but would try. 

I called my third party representative to the insurance company, XXXX  XXXX XXXX, and talked to a person XXXX about what to do. She told me that I would have a lapse in coverage if I paid the insurance because the banks get a grace period of 45 days and I do not. 

SO I called NEWREZ back and they told me they cancelled the check. I checked my account and they still never refunded my escrow. I basically told them that they were going to send out another check and pay the insurance. After a lot of arguing they finally said they would mail the check on XX/XX/2020. Now here I am XX/XX/2020 and the insurance company still doesn't have my escrow money. NEWREZ keep dropping my calls on purpose now or their phone system is just that XXXX. 

So to rap this up, I have a missing money in my escrow of XXXX XXXX my insurance still hasn't been paid, and I cant refinance my current mortgage because I cant put my new mortgage company name on the insurance till they get paid. I'm pretty sure they took my money and spend it on XXXX and they can't pay anyways. I'm about to file a police report about the felony levels of theft but wanted to try the CFPB first. 

Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is the second complaint against Bank of America that we've left on this site. The first one was closed without many issues being addressed, especially the poor communication. The bank provided a contact name and number that didn't work in their response to the last complaint. We've NEVER been able to reach a representative at the number provided by the bank it's always voicemail. The coronavirus pandemic has made a bad situation worse and it's nearly impossible to get someone on the phone and written correspondence sent via mail takes weeks to reach us. The date on letters is always more than 10 days passed by the time we get it. We put our home on the market for sale in XX/XX/2019 but had no buyer interest due to deferred maintenance and possible structural damage to the house. We recently received a cash offer on our home well under the asking price, after two previous offers fell through because buyers backed out because of length of time for processing and lack of response from the bank. Our agent, who is experienced in short sales, has been working diligently to ensure that this one gets further along than the other two failed attempts. After having the house on the market for nearly a year, we are out of options and need to either do a short sale or let the home go to foreclosure. We felt as though progress was being made when our agent was alerted that our loan is set to be service released to XXXX Mortgage on XX/XX/XXXX but she was told the bank can't actually confirm that until XX/XX/XXXX when it would show in the system. Our agent learned of this from Bank of America 2 days prior to XX/XX/XXXX, even though the letter we were told we should have received from Bank of America was dated XX/XX/XXXX. We have never received such a letter from the bank nor have we received any communication from XXXX. Our loan disclosures say that we should have received communication about this type of transaction more than 30 days prior to the servicing being released. Now, we don't know what will happen. In the past, we were told that we couldn't attempt a short sale without first being considered for a loan modification since the home is our primary residence. That was time consuming and futile since we still couldn't afford the lower payment. We continue to experience an extreme financial hardship due to the pandemic. Will the process need to be started over with XXXX? Will we be considered for a short sale or have to go through the loan modification process again? Who can provide us the answers we need and actually answer the phone when we call?

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 2020-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is the second time Bank of America has sent me a promotion and not honored it. The first time they claimed I didn't meet the qualification, and I let that go. However, this time not only did I meet it, but they admitted to me meeting it and refused to honor my promotion. The promotion code was XXXX and it stated {$500.00} had to be deposited into the account within 6 months and you will receive {$200.00}. I meet the qualifications the beginning of XXXX and I gave them until XXXX to make the deposit. When I called to question why I had not received the funds it was escalated and the refused to honored it. When all call to see why it was not honored they stated they will not going to honor the promotion even though I met my qualifications. The result I am looking for is for the bank to honor my new savings account promotion, as well as my new checking account promotion. My savings account was opened on XX/XX/2019.

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 2020-05-15 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX  XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-15 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. XXXX XXXX {$4400.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$61.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$560.00} XXXX AR XXXX {$1300.00} XXXX XXXX {$410.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-05-15 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
My debit card was use unauthorized and PayPal rejected my claim but I didn't make or authorized anyone to make those transactions. 

I reported the problem within minutes from the issue because I started receiving emails ; my login was also change from a different computer to prevent me from login an report the issue and I could get in touch with PayPal because their customer service is closed. After much struggling on my own, I restored my account access by changing both, my email and PayPal password then report the issue immediately. Also continue calling PayPal until I got a hold of someone and cancelled my debit cards but all this effort was useless because PayPal closed my claims without much investigation. 

I'm sure there is some sort of record showing from what computer the password was changed and they need to investigate deeper by working with the store where the transaction were made because they must to have video showing the person that make the transactions. Also don't understand what can you buy at Giant for about {$3000.00} dollars and why PayPal didn't got suspicious of my card running multiple times at this location, since I never make transactions like that and when I do try to use my card, they reject my transactions most of the times when I don't have the funds but this time, they processed those transactions without me even having the funds to cover those transactions. 

The transactions and claims in questions are the following : Case ID : XXXX for {$500.00} Case ID : XXXX for {$500.00} Case ID : XXXX for {$200.00} Case ID : XXXX for {$50.00} Case ID : XXXX for {$650.00} Case ID : XXXX for XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX  XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status XXXX through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX   Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX.Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX CARD Account Number XXXX Account Type Credit Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX  XXXX. 
Status Updated XX/XX/XXXX General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy XXXX XXXX. 



General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Discharged through Bankruptcy Chapter XXXX/Never late. 
Status Updated XX/XX/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 2020-05-15 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My debts were consistently paid on time until my XXXX  on XXXX XX/XX/XXXX when the XXXX XXXX judge of XXXX XXXX assigned my mortgage and home equity line of credit debts to my ex spouse. Yet following the divorce 5/3 bank reported me to credit agencies, such as XXXX  as paying late and has never corrected this error. 
As a result I can't get a credit card at XXXX and have a low credit rating which has caused me other problems. I have contacted 5/3 to resolve the matter and they responded in a letter dated XXXX XX/XX/XXXX which said that the divorce decree did not alter ownership of my debt. 
In paragraph # 2 of divorce case XXXX. XXXX XXXX XXXX states : 1. Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall have no financial or other obligations with respect to the land contract ... 
2. The three parcels of farmland ... shall be refinanced by the defendant ( XXXX XXXX XXXX so as to remove Plaintiff 's name XXXX XXXX XXXX XXXX from any and all obligations with the XXXX Bank. 
3.If defendant XXXX XXXX XXXX XXXX is delinquent ( within a period of 60 days ) in any payment with regard to the two 5/3 bank accounts defendant shall ... cause them to be sold to ... pay both of the 5/3 bank obligations in full. [ He did not do this. ] 4. Refinancing shall be completed by Defendant as soon as possible not to exceed 30 days from the effective date of this order. 

Attached are 1 ) Pertinent pages from the divorce decree ( to include paragraph 2 ) 2 ) A 5/3rd letter, dated XX/XX/XXXX in which 5/3 states that the account has been paid in full and is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: NV

Complaint narrative:
XXXX, I informed Experian that I was a victim of identity theft. Most accounts were removed excluding 1 ( XXXX XXXX ). I've disputed the account continuously, accompanied with FTC Affidavit and local filed police report #. Not once was any documentation provided from the bureaus or the creditors. XXXX  and XXXX   remedied the accounts almost immediately, unlike Experian. 

This year, XXXX, I received an alert that one of the accounts that was previously removed had been reinserted ( XXXX  XXXX ). I almost instantly sent Experian documentation reminding them that the account was fraud and that I'd undergone a name change as well. They ignored the name change request earlier this year and continued to report that both accounts were verified. 

XX/XX/XXXX, I sent Experian all of the documentation again ( XXXX tracking # XXXX ) and they sent me a letter stating they can not and will not update the name change because I am now legally mononymous. I informed them how the other bureaus were reporting it, and to just input the name in both 'first ' and 'last ' section. They told me, " no ''. I called for days, they said, " no. '' Then XX/XX/XXXX I received an alert that they'd initiated my dispute. The dispute completed last night, XX/XX/XXXX, with both items remaining. 

However, XX/XX/XXXX I sent a follow up letter informing them that it had been past the 30 days and the items must be deleted immediately. I'm on the phone presently as I'm typing this with an Experian representative, and they've informed me that they will not remove the items since they were verified accurate, completely disregarding not only that they're fraud, but that it's past the 30 days since they signed for and received the dispute.

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