vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
this is regarding Costco visa card ending in XXXX i have requested the statements of XXXX. You are storing it in cold storage it seems ... more than 2 days ... i haven't received it. 
It's required for the extended warranty. 
When i chatted with the customer service on XXXX XX/XX/XXXX, she doesn't want to help me at all. Instead asked me to call a toll free # Citibank Online Technical Support team ( XXXX ) XXXX ( TTY/TDD : XXXX ) When i called that # - it's Citi 's bank account not credit card. 

Citi is storing statement more than a year old in some cold storage - XXXX XXXX or so. 
IT's a headache to get the old statement.

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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: NC

Complaint narrative:
I called GreenSky and was told my payoff amount was XXXX on XX/XX/XXXX and it would take 24-48hrs for me to receive a payoff letter. When I received the payoff letter they added on an additional late fee and finance charge when I was told that I would have no payments or interest for the 1st 90 days when I called back to try to get this corrected on XX/XX/XXXX I was told I would get a corrected payoff letter and again was quoted XXXX. When I did not receive the letter I called again today XX/XX/XXXX and was advised that the finance charge and late payment they applied the day after was correct and that they would not remove the extra {$150.00} that they added on to my bill the day after they quoted me {$5200.00}. They have refused to work with me and are charging me extra fees every time I call in. They are now saying I owe XXXX. I dont know how to get this resolved without paying them more money. I wish I never took the loan from them and just want to be done with this company.

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 2020-07-22 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: MI

Complaint narrative:
Can not transfer money from bank to XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY 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 2020-07-22 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XXXX XXXX a mistake was made with my escrow account. A amount of {$1500.00} was paid to a company out of my escrow account. The company admitted the error and spoke to my mortgage company ( Shellpoint Mortgage ) advising them that they were refunding that amount which was to go back into my escrow account which they did on XXXX XXXX. When i went to pay my XXXX XXXX to ( Shellpoint Mortgage XXXX my surprise they had applied the amount as a my XX/XX/XXXX mortgage that was due. I contact my mortgage company ( Shellpoint Mortgage ) with several emails and phone calls asking them to put the funds {$1500.00} back into my escrow account and i would make my XXXX payment myself. To this day since XX/XX/2020 i have held onto my XXXX payment until they ( Shellpoint Mortgage ) put the money back in escrow. This error has shorted my escrow account tremendously and forced my monthly mortgage payments to increase by {$500.00}. It is now almost XXXX and i have the funds in my bank account ready to pay XXXX payment but have not done so until they ( Shellpoint Mortgage ) put the {$1500.00} back into my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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 sent letters out certified over 60 days ago and have not been notified. I feel like these clowns are taking advantage of the normal hard working people. These negative items have cause life to be a lot harder for me. I would like these unknown items removed as soon as possible.

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
They are calling 4-6 times per day and on weekends.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 5/3 bank credit card for years. All of a sudden they closed my account and also adversely impacted my credit score. I had always paid the card in time. My score went down by 1 due to this. 
5/2 bank never gave me any warning or intimation before closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: FL

Complaint narrative:
I have written to FINAN ASSIS several times pointing out that their reporting of this alleged debt on my credit report is inaccurate. FINAN ASSIS continues to report this inaccurate and unverifiable information. XXXX attached excerpt from my most recent credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I refinanced a mortgage into a HELC with Citizens Bank back in 2004. Citizens had been the previous lender as well. A lender prior to Citizens did not assign the mortgage properly on my deed. The prior lender is no longer in business. At the time I refinanced with Citizens I had to pay Title Charges as part of the closing cost. I feel that this should have been take care of then as the Title Charges are for things such as this. 
It was not taken care of. 
Now and in the past I have tried to refinance my loan as the rates are considerably lower and I am unable to. 
Citizens has suggested that they can refinance for me as other lenders will/can not because of the title issue. This seems like unfair business practice at best. 
Can Citizens be made to pay me for my losses of not being able to take of advantage of the lower rates?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NE

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: NE

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-22 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: GA

Complaint narrative:
The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX  ( XXXX  ) Names : XXXX ( XXXX ) Address : XXXX XXXX  XXXX ( XXXX & Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX ) ; Bal : {$59.00} ( XXXX, Experian, XXXX ) XXXX - Date Opened : XX/XX/XXXX ( XXXXXXXX ) ; XX/XX/XXXX ( Experian ) ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC 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 2020-07-22 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:
Two bureaus are reporting two accounts for XXXX XXXX   on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Debt of XXXX was paid in XX/XX/2019 after moving out of Apartment in XX/XX/2019. The apartment agent failed to complete my new address with " XXXX '' so I never received the letter. 

I paid it under act number ending - XXXX but I received a mailing in XXXX under account number XXXX for the same exact amount. 

This company has taken it amongst themselves to reopen a paid balance under a new account number. This is fraudulent. I've called several times to get no assistance and only allowed the option to leave a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I had a personal loan with Citizens Bank and settled for less. They are currently showing a past due amount still on my credit report which is not accurate and it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
One student loan was transferred to AES/PHEAA in XXXX, in the amount of {$33000.00} ( see attached ). Over the years AES reporting became inaccurate and loan was duplicated within the AES account. I have tried repeatedly to have the duplicated loan removed. My latest efforts began again in XXXX, XXXX. ( see attached ). I was initially assured the duplicate would be removed within 10 days. This has not happened. I contacted two PHEAA Executives, AES customer service, the AES Omnbudsman, and the Federal Ombudsman with no success. In a more egregious foul-up AES/PHEAA just QUADRUPLED the amount allegedly owed and reported same to the credit reporting agencies ( see attache ) so the amount owed now shows as $ XXXX plus. I want the account audited, the duplicate amounts removed, and credit for any incorrect interest charged, and for any payments made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22 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: CA

Complaint narrative:
Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. The phone number listed next to the so called merchant does not even work [ XXXX ]. It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again. Eventually about a month ago, someone by the name of XXXX from the executive office of Chase, tell number XXXX XXXX XXXX X XXXX called me and said 1 : ) that they will remove both {$100.00} and {$40.00} charges from the account, 2 ) will remove the interest charges, 3 ) and will give me {$100.00} courteousy credit due to this inconvenience Chase caused me. About 10 days ago, i : checked the account and only found out that {$100.00} was credited back to the account labeled as so called courteousy credit when it was my own money. Please note that i : had previously send to chase fraud department prove of the merchant 's acceptance of returning my monies, see attached. When i : found that, i : called XXXX and left her a message to call me back, XXXX at or about XXXX XXXX  XXXX on XX/XX/2020 called me and told me that she never agreed to give me {$100.00} courteousy credit plus return of two charged of {$100.00} and {$40.00} as well as the interest charges. i : objected and i : said if this thing gets to a court or to CFPB, the phone conversation that Chase advised me that was being recorded, will be subject to subpoena. i : don't know what happened nor is it important as to what happened that Chase changed its mind, perhaps and most likely, they feed off the misery and frustration that they cause the people of this Republic. i : expect CFPB to get all my monies back from Chase plus compensation for my time and frustration with this so called Bank. 
Thanks, XXXX XXXX Tel : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XX/XX/2019 after experiencing a reduction of income and continued financial hardship from my trucking company, I contacted Freedom Mortgage Corporation located XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX in effort to seek mortgage assistance in the form of a loan modification or any other available relief. I completed the entire hardship packet which included IRS Form 4506-T ( allows us to verify tax return information if necessary ) Borrower ( s ) Financial Report Hardship Letter Brief explanation of reason for the hardship ( such as : illness or job loss ) signed and dated A current year profit and loss statement - signed and dated Checking and savings account statements for the past ( 2 ) months, both personal and business - include all pages Most recent business tax returns that are complete with all schedules and attachments. 
Since then I have continued to submit and resubmit the documents repeatedly, soon thereafter, I received notification my loan has been moved to the foreclosure department. I was told verbally in XXXX my loan modification was approved and to await the terms in the mail. After a few weeks of not receiving the packet, I contacted Freedom Mortgage and was advised my loan was NEVER approved nor has it been underwritten yet. 
Please assist me as I am in jeopardy of losing my home during this pandemic, Freedom Mortgage Corporation is practicing unfair lending practices in order to facilitate me becoming homeless, they have loss paperwork that I uploaded onto the website, I have had to re-submit documents several times, I have been very cooperative and readily available to speak to the loan processor and underwriters. 
I have a right as a homeowner to seek mortgage assistance from my lender when I experience a hardship, prior to this unprecedentedI paid my mortgage in a timely manner. I would like your assistance in procuring a loan modification so I can retain ownership of my home. The staff at Freedom Mortgage Corporation are unwilling to assist borrowers in retaining ownership of their homes, there have been several complaints filed against them due to these predatory lending practices. I would like to remain in my home and I will be able to pay my payments in a timely fashion.

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 2020-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: WI

Complaint narrative:
Contacted them due to the fact my student loans are for XXXX XXXX   They informed me that because the school closed after I dropped out, that I would not qualify for loan forgiveness. 

I had mentioned to them 3+ times that the school was shut down for fraud which concludes my student loans are fraudulent. They sent off my account to a different department and I've never heard back and keep getting run around. 

They are not holding up on the holder law with my fraudulent loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I pay my Comenity/Victoria 's Secret Credit Card through my bill payer. I set up a payment to pay my balance in full by the due date. The due date was XX/XX/XXXX. The payment posted on XX/XX/XXXX. I was charged {$2.00} interest on this one day late payment. 

Since I had paid my balance in full and had not made any further purchases, I haven't looked at my account since then. 

On XX/XX/2020, I received a phone call from Comenity stating I had a balance of {$50.00}. They wanted me to pay over the phone. I was shocked because I had paid my balance in full in XXXX. I told the representative, I couldn't believe I owed them and I would review my account. 

Reviewing my account, I saw that the payment posted ONE DAY LATE. They charged me A finance charge of {$2.00}, increasing up to {$50.00} I emailed them and told them I would pay the {$2.00} but I didn't think I was responsible for all the additional fees. Most companies would waive the fees, since it was probably the bank 's fault for getting there one day late. 

I have attached the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is a payday loan masked as an installment. I borrowed {$3000.00} and have made payments totaling {$2300.00} and continue to make payments of {$110.00} every two weeks through a payment arrangement. They claim I still owe them {$4600.00}.

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