vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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 disputed Citi Card case # XXXX for charges by XXXXXXXX XXXX  for services not delivered. I also disputed Citi Card case # XXXX XXXX, XXXX and XXXX for charges by XXXX XXXX XXXX for services not delivered . In all four cases Citi Card has been grossly negligent in investigating claims. 

In a XX/XX/2022 resolution of XXXX XXXX XXXX Complaint Case # XXXX, XXXX XXXX XXXX instructed Citi Card to refund charges disputed in Citi Card Case # s case # XXXX XXXX, XXXX and XXXX. Citibank failed to refund charges as directed by 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 monetary relief
Consumer complaint received 2022-03-29 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: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. ****In XX/XX/XXXX SELECT PORTFOLIO SVCIN is reporting a late payment to my credit report however, I had followed all steps of making a valid payment arrangement via the cares act with this company during the covered periods however the company is still reporting inaccurately to all XXXX of the national credit agencies I was current before and after that time also.If you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In the fall of 2021 I received an offer about XXXX American Express cards with a very high bonus award. I applied for and received the card and met the spending criteria but have not received the bonus awards. 
When I called to check on it, I was told I was ineligible for the bonus because of past cards. I do not recall any information being provided to me indicating that I was ineligible to receive this award. 
I believe it's misleading advertising for the company to send a solicitation to a customer who is ineligible for the bonus. I would never have applied for this card except for the bonus offer because I have another great card with 2 % cash back. Between the annual fee of {$95.00} and the forgone cash back, I am out hundreds of dollars because I used the American Express Card -- not to mention the value of the award. 
I spent an hour and a half on the phone trying to understand this and get some type of relief but got nothing but " I'm very sorry but we can not help you. '' The representative did say that these awards are " Once in a lifetime '' which further underscores the fraudulent nature of sending solicitations to an ineligible individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
i have been banking with Chime since XX/XX/2020. I have had no issues with direct deposit or any other matters until XX/XX/XXXX XXXX i got an email at XXXX from Chime Member Services stating there was a request to update the email address and phone number associated with my account and the email clearly stated that if I didn't make this request to contact Chime Member Services immediately. I did so, I spoke to a woman and after she asked me questions to verify my account, i told her about the emails I received. I stated that I did not make any request to update my account because I have had it for close to two years. She made notations on the account and forwarded the request to the Support Team. She assured me that my account would be safe. Two hours later, I received an email and a text message stating that the account had been updated to a non existing email address and phone number. I was locked out of the account. There was two unauthorized transaction made totaling {$310.00}. I filed a dispute and was told there would be an investigation and if they hadn't come to final decision in ten business days, I would receive a provisional credit to my account. This was scheduled to be credited to my account on XX/XX/XXXX. I received an email on Sunday XX/XX/XXXX from the Dispute Team stating that they had completed the investigation and they found no errors and I would not be entitled to the provisional credit. On XX/XX/XXXX, someone was allowed to update the account a second time. Fortunately, no founds were taken but my account was suspended to two occasions and I had to submit photos of me holding my drivers license with a piece of paper with my full name, the date and the email address I wanted to update the account to. i was told my several supervisors that the person that hacked my account did not submit any documentation to update the account. I questioned them consistently asking why I had to send photos to update my account and the person who hacked my account didn't. I consistently got the run around, They have cause me a tremendous amount of stress and I feel I should be compensated for the unauthorized transactions that occurred in Nevada as I live in Florida. I have filed a police report and awaiting it delivery. There has been several conversations with the Dispute Team and Members Services and no one will give me an explanation as to why the decision to not refund my loss was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heartland Resolution Group, LLC
State: IL

Complaint narrative:
The debt is OVER 7 ( SEVEN YEARS OLD ) therefore they can not collect on something that was back on XX/XX/2013 with the original creditor XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I ran across an advertisement for XXXX XXXX XXXX XXXX claiming this LLC would help a person obtain their Vehicle Dealers License, the owner directed me to the companies website at XXXX based on the services the owner, XXXX XXXX he told me that I qualified for the Skinny Package for {$2400.00}, I told him I already had an office, and my own XXXX, so he I didn't need those particular services rendered to me by his company and he verbally agreed. 

XXXX XXXX, advised me to purchase the " XXXX XXXX '' on line and stated that I would receive the following services, ( 1 ). Dealer App Review, ( 2 ). Occupational Expedite, ( 3 ). City Business License Expedite +Fee, ( 4 ). Bond Referral and ( 5 ). A XXXX XXXX. XXXX XXXX insisted that I pay with Apple Pay, but I I told him that I only had an Apple Master Card, I paid the full price of {$2400.00} and 2 months had passed without XXXX XXXX rendering me any kind of service. 

I immediately disputed the transaction with my Apple Card service provider, on three different occasions, ( 1 ). on XX/XX/XXXX, ( 2 ). XX/XX/XXXX and ( 3 ). XX/XX/XXXX. I have proven that no service has been rendered, by XXXX XXXX XXXX XXXX and XXXX XXXX couldn't provide Goldman Sachs with a Lease containing my signature since I told him in advance that I already had an Office Space. Goldman Sachs aka Apple Master Card has yet to clear this dispute or render a decision in my favor. 

I went to the XXXX XXXX Police Department to file charges, and met a Woman there for the same reason, only difference is that XXXX XXXX XXXX XXXX charged another consumer {$11000.00} for the same service they claimed to have offered me and they told us that both cases were civil.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX ( TransUnion SmartMove ) is in violation of 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Remove my information from your company 's database or I will be seeking litigation. 
Case Numbers : XXXX and 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 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
This issue began as of the closing XX/XX/19 with a payment due date of XX/XX/19 in which the annual membership fee was displayed under fees of {$190.00}. There were XXXX purchases that posted on account XX/XX/19 and an automatic payment charged to the American Express on XX/XX/19. ( I had forgotten about the latter ) I immediately contacted the merchant which charged {$20.00} monthly and switched to a different credit card. I also contacted American Express customer service to make sure the account was cancelled. I wanted to avoid the annual fee since I possessed other cards with no member fees. 

I contacted the company at least five times since then. They state when they receive the complaint that they will investigate and provide with temporary credit. They have also credited me with {$150.00}. Although, continue to charge the annual fee with late fees of {$40.00} each month. I have asked for a waiver or even a pro rated fee. Being that I informed them I wanted to cancel the card as soon as I realized that there was a fee. I suggest the fee be more conspicuous or highlighted in some way.. 

At this time I show a balance of almost {$500.00}. This debt has effected my credit reporting and score negatively, as well as increased rates on mortgage loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: MN

Complaint narrative:
It has been years and XXXX XXXX and Equifax just hasnt removed this Fraud account for my credit report. It has been ruining my credit for to long and now Im finally going to meet with a lawyer, and I will be reaching out to the FTC as well about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
I am writing this email to submit a formal complaint about my experience DHI Mortgage employee, XXXX XXXX XXXX, XXXX ID # XXXX. I have been working with him since XXXX of XXXX once I submitted my offer for my new construction home. 

I uploaded all of my final required documents in XX/XX/XXXX. XXXX contacted me on XX/XX/XXXX to inquire if I wanted to now lock in my rate at 4.875 %. When asked why has he contacted me now on XX/XX/XXXX to lock in my rates while they are now extremely high and not back in XXXX when I submitted all of my documents, his response was " well I can't control the rate increases and I can not control the completion date of the home ''. I informed him that I am well aware that he can not control those items, my concern is why is he now contacting me to lock in my rate after they have increased significantly but not back in XXXX after he received every document that was requested from me. He then responded " It was too early to lock in the rate back in XXXX and I told you in XXXX that the rates were not locked ''. I responded once again, that I understand XXXX was too early and I am aware that the rate was not locked back in XXXX but I wanted to know why this option was not presented to be back in XXXX after all of my documents were submitted. He could not provide me with a logical answer instead he kept repeating that it was too early back in XXXX to lock in the rates. So I asked why was it too early then but not too early now knowing that my home is still not completed? He could not provide me with a response. 

I am extremely frustrated knowing that because this agent dropped the ball and failed to disclose to me back in XXXX that I had the option of locking in my rate for 60 to 90 days as he mentioned on the call on XX/XX/XXXX, that I went from 3.25 % back in XXXX to 4.875 % now. I am referencing the XXXX rate because I did not hear from him in XXXX or XXXX to know what the rates were at that time. 

I emailed a written complaint about this agent 's action to the branch manager as well as well a written complaint to the builder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got an email from chase bank today XX/XX/2022 at XXXX XXXX congratulating me on opening an account. A few minutes later I got another email saying my email had been changed online. I called chase and someone had opened a checking account using my old mailing address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I'm tried to start building up my credit scores but then when I tried to apply for personal loans or get get new phone plans or applying for credit card etc etc but I couldn't, because apparently my odds of getting approved are very low due to some denied transactions which I have very small informations about. I'm just wondering is there any way I can fix it?

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 2022-03-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
XXXX did not fully address the concerns outlined in my prior complaint. Most specifically, they have not updated my account to reflect accurate status. Per their own documentation which was finally provided as result of my prior complaint, my forbearance was for dates XX/XX/XXXX through XX/XX/XXXX. Payments for each of these months was made in full and is documented in their system. However, the are still reporting that my account is past due ( it is not ) and are not allowing me to make online payments. My forbearance period has not ended and my mortgage payments are now current. I believe they updated my account to not accept payments in retaliation due to my complaints. If true, this is very concerning and unethical. 

I have provided screenshots printed today, XX/XX/XXXX as evidence of : 1 ) their receipt of each of my mortgage payments 2 ) Their block on my account that will not allow paymets to be made online. 
3 ) Their inaccurate reporting that my account is 30 days past due For reference, documentation will show full mortgage payments were paid and posted as outlined ( which brings my account completely current ) : - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( XXXX separate payments paid/posted on same date ) - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX ( two separate payments posted/paid on same date ) - XX/XX/XXXX payment made on XX/XX/XXXX, not yet received/posted by 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 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against EXPERIAN INFORMATION SOLUTIONS INC . 

EXPERIAN INFORMATION SOLUTIONS INC. has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to EXPERIAN INFORMATION SOLUTIONS INC. to FURNISH this account/item.

The DATE OPENED is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. to delete this account/item within 4 business days ( Exhibits provided ) EXPERIAN INFORMATION SOLUTIONS INC duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

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 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
My identity was stolen through my XXXX  email. They took Birth certificate, Social security card, id. They used my identity to open bank accounts, XXXX XXXX, applied for apartments, ect. I now have creditors coming after me. I filed a police report. I have no idea how long they had my information. 


XXXX Paragon Revenue GR balance {$3800.00} XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX  l {$370.00} XXXX XXXX XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX XXXX. to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX  XXXX to delete this account/item within 4 business days ( Exhibits provided ) XXXX XXXX XXXX XXXXXXXX duty is to PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!

Company response to consumer: Closed with explanation