vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, This is in reference to a vacation I booked through Chase Travel using my Chase credit card. This is one of my last resorts as Chase has completely failed to assist with the issue at hand and has passed this issue from department to department without a resolution. I booked a hotel in XXXX, XXXX for XX/XX/XXXX for 3 days, the hotel ( XXXX XXXX in XXXX ) was closed during this time due to Covid-19.  Additionally my wife and I were unable to travel due to my wife being an essential worker and the stay at home order sent down by the State of New York where we reside. This issue was first discussed in XXXX which we disputed the charges due to the global pandemic and Chase using the guise as Chase Travel which I believe is actually XXXX has had no engagement with this process except for declining the issue as stating this dispute is not valid even though the hotel was closed and the global pandemic prevented us from traveling. Since the hotel dates have passed the said they could not refund us our money because our trip has passed and they have no record.

We called again and Chase Travel said they can only give us a voucher for the trip. They repeatedly were ambiguous and only acknowledged our trip with our itinerary number after we said we would accept the voucher. Which is in processing now.. 
This is to dispute Travel transactions for a trip booked on XX/XX/XXXX on credit card # xxxx-xxxx-xxxx-xxxx, exp. xx/xx, Name : xxxxxxxxxx This tripped was booked under Chase Travel with understanding that this was a secure and confident booking. Due to Covid-19 my wife ( xxxxxxxx ) and I can not travel due to the virus and events that were planned were cancelled because of these extraordinary circumstances. 
1 ) Transaction # XXXX XXXX Amount {$1100.00} -Date XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE TRIED TO CONTACT XXXX XXXX XXXX XXXX XXXX XXXX THE ENTIRE WEEK DURING WHICH WOULD HAVE BEEN OUT STAY AND THE HOTEL IS CLOSED. THEY CAN NOT PROVIDE SERVICES BOOKED. A REFUND IS UNACCEPTABLE. I EXPECT A FULL REFUND. THE HOTEL HAS BEEN CLOSED FOR SOMETIME NOW AND THEY WILL NOT COMMUNICATE WITH THERE CUSTOMERS. A VOUCHER IS NOT ACCEPTABLE DUE TO TRAVEL ISSUES AND RELIABILITY OF THE HOTEL TO PROVIDE SERVICES. PLEASE ADVISE. 
Sent 6 letters thru my Chase account under secure letters on:XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Also called over 30 times  between XXXX and XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I want to make a complaint on Citibank for violating CFPB laws. Citibank made a agreement with Costco resulting in my credit and finances being negatively effected because of the card services being switched from previous card servicer. Citibank carded did not honor previous card. Citibank Repeated charged extra fees making my account go over the credit limit changing my APR rate over the course of the credit card. If the card was over the limit they would recalculate my APR and not recalculate my APR when the card was under the limit. CITIBANK would add extra fees for payment if i made a payment over the phone but it took a couple of days to post. Payment was not late and they said they would take off peneltys but would add those fees to balance and not take them off and would not explain the charges. I was charged thousands in illegal charges by deceptive practices. Citibank was unwilling to offer a resolution that was fair and equitable. They choose to sell my account to a 3rd party XXXX XXXX. CITIBANK has ruined my credit and received some money from XXXX XXXX when they on information associated with my account that is false. Citibank ADMINISTRATIVE PROCEDURES File no 2018 BCFP -0003 are proof that cardholders from XXXX CITIBANK where victims of illegal practices.

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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I have never received any attempts from XXXX to collect a debt and haven't used them for >2 years. I received a collection notice from Convergent Outsourcing , Inc. stating I had a debt of {$37.00} from XXXX XXXX for recovery of 70 % of the debt, and I could pay 3 different ways, Online/Phone/Mail. I went online to try to pay the debt - they had me enter the account number from the letter, my last 4 of my social security number and my zip code and my last name. The website will not accept my information to " locate my account. '' When I call the phone number to try and pay, half the time they state " please call back during regular business hours '' and the other time they have a recorded message stating " there is not a representative available to take your call, goodbye. '' In short, this seems to be a phishing scam/fraudulent company that is hoping someone will just give in and mail them the check instead of verifying 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 explanation
Consumer complaint received 2020-08-02 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: MD

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WI

Complaint narrative:
I do not know a iQ data international creditor, I want this remove from my credit report. They state I owe XXXX updated XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
On or about XX/XX/2020, I applied for a Mortgage through XXXX XXXX XXXX ( XXXX ) in XXXX, XXXX XXXX. On or XX/XX/2020, XXXX advised me that my loan application would be denied due to two liens that are being reported by Lexis Nexis Risk Solutions. The two judgements against me in the XXXX XXXX XXXX XXXX XXXX, case numbers : XXXX and XXXX are completely satisfied. Lexis Nexis Risk Solutions is inaccurately reporting that the liens have not been satisfied and thereby caused my loan application to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I sent National Recovery Agency ( XXXX XXXX XXXX XXXX XXXX, PA XXXX ) a letter on XX/XX/2020 to verify this XXXX XXXX Hospital debt and I let them know the debt wasnt mine, but Its been over 30 days and I have not received any kind of correspondence. No call, no letter, no email. I would like this debt removed from my account asap. Its bringing down my credit score and Im not getting any kind of response to my letters.

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 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is having no problem at all updating my credit report. EQUIFAX IS THE ISSUE. They will not update my credit report and when I call about it they want me to mail them a copy of my social security, address, drivers license and birth certificate! I cant ever get ahold of someone who works with equifax that lives in America and quite frankly I find it extremely suspicious that a team in the XXXX is requesting this information. Im extremely upset that an American company can have such a negative impact on my credit score but not even allow me to speak to someone state side. I have had people try to scam me before so I am just extremely uncomfortable with this and do not understand why they have so much authority on my life. I have been trying to get a loan for a car but they are refusing to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On Experian tried disputing a late credit card payment due to the mandatory government shut down due to Covid-19 and not being able to obtain UC benefits til later. They said dispute was completed and would be updated, nothing has happened. Also paid off a debt collection, it is closed and paid off, it is still showing on all 3 credit reports on Experian but was removed from XXXX  and XXXX  on XXXX XXXX. My scores on Experian have not updated in almost 2 months. I have paid off my credit card, paid off 5 months worth of car payments, paid off a debt collection and paid bills on time, still no score change. My wife and I are trying to get a mortgage and this is completely stopping us from growing as a family. When I spoke to a Experian customer service agent they told me that some companies do not report to them so they dont have to update their files. All of my other credit  score apps have updated, and been showing me my new scores. This is just completely unacceptable.

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 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested that my Simple checking account be closed and the remaining funds remitted to me by check. On XX/XX/XXXX, the company responded. They closed my account but are refusing to provide me with my remaining funds because my balance was less than {$1.00}. This is theft. They need to give me back my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I couldn't link my bank account with XXXX, back around XXXX or XXXX of 2020. Because of this, I can't use that app, which is to help save money, in a very smart way. I called PNC & was, in so many words, told " too bad ''. Now it's XX/XX/2020, & I've been using XXXX XXXX XXXX, with whom I also have their secured credit card, and PNC won't let me link my bank account with them either, so to pay on my credit card. Instead, I'm forced to use my debit/bank card & I have to pay a fee, every single time I need/want to pay on that credit card. It's total XXXX. They can say they're trying to keep their customers personal info secure but I'm not XXXX ... .I know it's just so they can make more money. All financial institutions are in kahoots & they're all a bunch of greedy XXXX. Unfortunately, these financial institutions are also a necessary evil & there's no way around having to deal with them & it XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX and I work for XXXX  XXXX and sending money to my parents. I used MoneyGram for long time but they were not transferring directly to their bank and it was very inconvenient for my old parents to go to bank and withdraw money. It was not safe. Therefore, I found XXXX and starting using it without any trouble. It takes just a click to have the transferred to them. But unfortunately 2 days ago I found out that MoneyGram also started bank to bank services. And according to their website it takes minutes so I decided to use it but unfortunately it didnt worked. I tried to reach them through chat and phone Both but again unfortunately through chat but they are telling me that my case has been forwarded to investigation department. I am good with that but my main problem is that the money has been taken out already ( 2 days ago. Right away when my transaction was completed ). 
My transaction reference nu

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I purchased my home at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX in XXXX. I paid off my home to World Savings Bank in XXXX and XXXX. 
After the World savings Bank Wachovia tried to foreclose our home we send them the Pay off documents and they went away. Years later. Wells Fargo bank NA recorded forged documents at the county In XXXX and stole my home on XX/XX/XXXX. Wells Fargo has no shame and they recorded forged documents with IRS indicating that I Abandon my home. I took Wells Fargo bank NA in XXXX to court and were in court under an injunction when they stole my home and shamelessly evicted me and children forcefully from my Paid off home. These criminals are not above the law and the pain and hardship that they have caused on a hard working us should not go without them being punished for their crime.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 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had made purchases with my card and would never receive my items so I would have to file a dispute with the credit card company. I went to make a purchase last week and my card would not work. I logged on to my account and spoke to someone via chat and they told me my account was closed. She said I would get a letter telling why but, I have not received this yet. I asked when I would receive another card and she said I would not be getting a new card.

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 2020-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2020 I have money sitting on my XXXX XXXX which I am trying to cash out to y PNC account and PNC has blocked it. I have no other way to get the money off the XXXX XXXX and I have sent messages to PNC but it is still blocking me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
Sequium Asset Solutions I never heard of, this company is trying to correct a {$970.00} payment from me. On XX/XX/2020, they had put this debt on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On my XXXX XXXX XXXX {$37.00} charge from XXXX XXXX XX/XX/XXXX Barclays Credit Card Holder I immediately contacted same day and spoke to XXXX from the XXXX XXXX Dept. XX/XX/XXXX. She said that I will have to wait until hit hard post the acct. I understood 100 % since I do work in the XXXX XXXX of work 25+ years Today XX/XX/XXXX, called since the charge has posted to the acct. Now XXXX from the same card company is saying I have to wait 15 days from the hard post date. Never heard of that Why is that? 

I can see for cashier checks or official checks. 

But a charge on a CC that I have no clue about. 

Same company cc I have filed at least 2 charged, immediately provided me great service. 

Now why not today!

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 2020-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/2020 i checked my credit report and noticed a debt on my account i dont know who they are nor do i have any affiliations with them nor any of there party i never signed a contract with them verbally nor electronically

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
This company is reporting an old account of mines as a charged off.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TN

Complaint narrative:
Paramount Recovery Systems has placed 2 collections on my credit profiles in the amounts of {$1000.00} and {$1300.00}. The alleged original creditor is XXXX. XXXX XXXX which appears to be a medical facility located in XXXX TN. I have never been to XXXX. XXXX XXXX   therefore I don't owe anything. I have mailed this company twice asking the to provided verification of this debt. They have yet to show me anything with my signature or or even respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation