vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2019 Chase lowered my credit limit after I had gotten an auto loan through another bank. This year due to Covid-19 I asked to have my annual fee waived because I had the sapphire reserve card and there was no point in having it and using it for travel. The representative told me that's not possible. I asked to switch it to a card with {$0.00} annual fee and she told me I needed {$5000.00} minimum of credit limit in order to move to no fee card and asked if I would like to try to have my credit limit increased which I said no to because it would be negatively credit impacting. She asked me, if I would like to cancel the card, which I again said no because it would be negatively credit impacting. I asked to speak to a supervisor and she said supervisors are only taking " front line customer calls '' and when I asked what that means she said, " customers who are waiting in line. '' I asked how are they different from me and she kept saying she won't transfer to a supervisor and then hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I received an airline credit to my credit card account on XX/XX/2020 in the amount of {$11000.00}. I did not owe a balance due so I contacted Citibank on XX/XX/XXXX to request a refund of my {$11000.00} credit balance. I was told I would get the refund deposited to my checking account in three to five business days. It did not arrive. On XX/XX/XXXX I checked on the status and was told it would take yet another three to five business days. I have contacted Citibank numerous times to include on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, I have " chatted '' with a representative and have sent emails to the Customer Service executive ( XXXX XXXX ). It is now XX/XX/XXXX and I still have not gotten any of the amount due to me and no one can or will give me a definitive answer as to the payment date. They have held my money for over three weeks now and seem to have no incentive to make the payment to me!

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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank issued a VISA Credit Card through Best Buy to me a few years ago and they harassed Me constantly with phone calls 7 days a week, several times a day. I told them to stop, then they turned my account over to a debt collection company who took Me to Court and secured a judgement against Me. Their position is for Me to pay the entire bill including late fees, interest and other misc. fees or they will levy a lien against My assets. 
I called them several times and they are impossible to talk with, all they want is money, not interested in solving the problem. 

In these uncertain times, this is No way to treat a XXXX XXXX Vet who is XXXX but still works. I did My best to keep Citibank satisfied with my ability to pay what I could afford, and they went in a direction that now impacts my credit and well being of my assets in My Bank Accounts. This type of activity should not be allowed and I ask the FTC to treat their actions as discriminatory against Veterans with 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 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in XXXX, Equifax and XXXX  all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

Equifax has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

XXXX  had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Due to a loss of income from Covid-19, I applied for forbearance with my mortgage company, XXXX. I applied on their website on XX/XX/XXXX and received no response. I followed up with a query to the company 's website on XX/XX/XXXX and received no response.

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 2020-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I had a mortgage with JP Morgan Chase Bank. On XX/XX/2020 the mortgage was sold to XXXX XXXX. I feel that my mortgage should not have been sold during the Covid19 quarantine. I had no way to refinance with another company as I do not want my mortgage with an inferior company that charges fees to pay your mortgage online or by phone, which is what I have done for years with Chase. I was also in the middle of refinancing with chase for a lower interest rate. I am filing a complaint against Chase for the following reasons. 

*Selling my mortgage during a pandemic where I am left no choice but to comply due to the fact that I can not walk into a bank and apply for a refinance. So, now I am stuck with a company that has a XXXX star rating. 

*Transferring the mortgage to a company that clearly has a bad reputation with regards to fraud and poor customer service ( see XXXX   XXXX XXXX groups, and class-action lawsuits ) Transferring the mortgage company that charges fees for electronic transactions, phone pay.. ( I even called them and they would not wave the fees ) Selling my mortgage while I was trying to refinance at a lower interest rate with them. ( I had already started the application process ) If the original agreement in the loan says that they can sell the mortgage at any time, It should be to a reputable company with good service. I feel that I am a victim of another company that takes advantage of people, especially during these hard times with the current pandemic. It should not have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Chexsystem XXXX Call Chexsystem to ask about someone try to unfreeze the Chexsystem Report and try to request the new PIN for security freeze service because I received the letter regarding security alert date XX/XX/2020 and XX/XX/2020 Representative explain that they received the request for the new PIN but the request did not process because the address was difference. 

After that I request them to update the correct address, Email and telephone number on the report. And they will summit the claim that I didnt request for the new PIN as well. 
They said they will send the letter confirm about the action. 

XXXX Call Chexsystem to follow up the action. But the representative said my request to update the correct address, Email and telephone number. It can not process because I have Security Alert on my report. And the current address that they have on file is not the same that I provided. 

I immediately explain to them that I NEVER put the Security Alert on the report. 

They request me to fax ( XXXX ) the letter explain that I never request for the Security Alert to be able to update the correct address, Email and telephone number.

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 2020-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo received a total of {$190.00} but only refunded {$120.00} to my account. Wells Fargo maintains that if they recover funds outside of the 60 day window that they will refund it. However, Wells Fargo has not done that. They have retained a total of {$70.00} which was outside of the 60 day window from claim XXXX but they will not tell me where those funds went. At this point Wells Fargo has stolen {$70.00} from me. XXXX XXXX indeed verified the total amount of {$190.00} was returned to Wells Fargo. 

The letter that I received from Wells Fargo states quite a discrepancy. The fact is Wells Fargo indeed recovered the additional {$70.00} from a " transaction older than 60 days. '' In the second to last paragraph Wells Fargo 's response stated that if they are able to recover funds from disputed transactions over 60 days old that they would indeed refund those transactions. Wells Fargo has indeed recovered those funds of over 60 days old to the sum of {$70.00} and did not refund me that amount to me. 

As stated in their letter, Wells Fargo only refunded me {$120.00}. I will initiate another complaint because Wells Fargo indeed received a total of {$190.00} from XXXX XXXX. 

In their letter Wells Fargo states " We were not able to reimburse you the additional {$70.00} for those transactions that occurred more than 60 days after we sent you the first statement reflecting the unauthorized activity about which you notified us on XX/XX/2020. '' Then the very next paragraph Wells Fargo states " For transactions that occurred more than 60 days after the activity first appeared on your statements, we will contact the merchant and attempt to recover your money. This process may take up to 120 days. If you ( sic ) efforts are successful, any money recovered will be credit to your account. '' These two responses contradict themselves yet also confirm that Wells Fargo has received the additional {$70.00} in disputed fees. They just have not refunded it to me. This is alarming as I wonder how many other customers may have experienced this. 

Wells Fargo where is the {$70.00} that you recovered?

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 2020-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have asked them to stop calling me. They continue to call me anyway. They are also calling my family members on their phone numbers. We have blocked their numbers. Then they just call from a new number. On average, they call three times a day. They do not identify themselves. They are calling from PORTFOLIO RECOVERY. They have called from at least 16 different numbers in the past month. I have asked them each time to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I applied for a frontier barclays credit card and cancelled it a few days later. I never used or received a card. I was charged a $ 80+ annual fee which I disputed, because I had cancelled the card before I received it. I was told by multiple reps to disregard the bill as it would drop off. Then when I was applying for a mortgage it was on my credit history of being delinquent for 90+ days. Barclays sent me a letterhead stating it would take 30 days to resolve on XX/XX/XXXX. This is still showing up on my credit report on 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 2020-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have continuously written Experian regarding inaccurate information they are reporting in my credit file. I've sent numerous letters regarding the accounts that does not belong in my file. Experian 's response is the accounts are verified however, I am very puzzled on how they were able to verify this information since I've contacted the collection agencies myself and they weren't able to provide proper verifiable documentation. My most recent letter from Experian stated they were no longer going to investigate one of the accounts I've been inquiring about for months. I've asked many times for them to send me documents for such accounts and they've failed to do so however, they will send a report stating the account was " verified ''. With all the identity thefts and frauds happening, I am concerned this may be the situation with my credit file. My requests has always been for Experian to provide verification that I owe these collection agencies or simply remove the inaccurate information from my credit file.

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 2020-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
The issue is that over the life of my loan I had XXXX loan modification ( XX/XX/XXXX & XX/XX/XXXX ) that included principal reductions and adjustments in interest rates. The modifications became a subordinate note added as a property lien. 

When I sold the home XX/XX/XXXX, the payoff of the principal amount and the lien seem odd. So I contacted PHH Mortgage service to ask about the amounts and shared that a principal reduction was apart of my modification. I was told that there was not a principal reduction or principal forgiveness applied. 

The interest rates were adjusted but there was no reduction in the principal. As a result, I have over paid since the principal reduction amounts were a part of the subordinate note that I paid when selling the home. I then reached out to HUD, XXXX XXXX XXXX XXXX and PHH Loan servicing to explain what happened and requested a refund as resolution of the over payment. HUD and XXXX explained that XXXX XXXX XXXX are my source for a refund. 

My original loan amount is {$220000.00} XX/XX/XXXX principal pay off amount - {$140000.00} and the subordinate note - {$57000.00}. which would equate to me only paying {$13000.00} on the principal since XX/XX/XXXX, That didn't make sense. But would confirm since the principal reductions was not applied. 

I reached out to PHH loan servicing again in XX/XX/XXXX. I have followed up several times. I sent a letter of on XX/XX/XXXX. I received a letter from the research department acknowledging my letter. But now it is the end of XXXX. I called them again and ws told no letter shows received and that I have to start this process all over again. They will not escalate the issue. Even tho I shared my documentations that was sent in XX/XX/XXXX. I resent the information XX/XX/XXXX. I contacted HUD and was encourage to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
on XX/XX/XXXX I had learned that my account was charged twice in the month of XXXX for my XXXX XXXX XXXX. I spoke with XXXX from XXXX at XXXX on XX/XX/XXXX his phone # XXXX. XXXX stated that I was charged twice because my insurance increased because they added my husband to my policy. I told XXXX that my husband does not drive my vehicle that is why I did not add him and we were going threw a separation. I also stated even if my policy did increase why did it charge me twice in the same month and I was told it is how days fell on automated service they have for when next payment was due. I stated to XXXX it put my account into a negative balance because of the double charges, I have my bills and there amounts on automatic payments based on my check payments. At that time I asked for them to correct the problem and they would not. So since they did not correct the problem I asked for my account to be closed and I would find another insurance provider. My account was closed and I assumed issue was resolved. On XX/XX/XXXX I received an alert on XXXX XXXX  that I had recently purchased to monitor my credit activity that a new collections was added from a collection agency Caine & Weiner in the amount of {$380.00} from XXXX. I did not receive any any information about debit or why it was owed. I called XXXX from XXXX  at number above left several messages and have not received a call back. Because of the mark on my credit score it has affected my ability to obtain the mortgage for a new home.

Company response to consumer: Closed with explanation