vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-28 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: NJ

Complaint narrative:
I purchased international airline tickets in XXXX for a family trip in XXXX. I purchased XXXX round trip tickets on XXXX through their booking agent XXXX  for approximately {$3600.00}. Covid hit soon afterwards and all the flights were cancelled. I tried to call XXXX and XXXX everyday to see what options were available but their lines were busy with other callers dealing with the tens of thousands of cancellations. When I did get through to XXXX 's customer Service department, they said they do not issue refunds, I would have to speak with the airline. XXXX told me that the booking agent has the money and they have to give the refund. This went back and forth so I contacted Citibank to dispute the charges to keep the merchants from getting the money since the end of the day they did not provide the services I paid for. BTW, attached are references to laws both in America and XXXX that cancelled airline tickets must be refunded. Also XXXX filed for insolvency and there is threat that XXXX may go under as well, so I would never get my money refunded anyway. Citibank after investigating the dispute awarded the charges to the merchant and I am in the process of appealing the decision, so the money is still with Citibank visa.

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 2020-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Was charged a total of {$170.00} in bank overdraft charges over the last week. I am struggling financially due to COVID-19 issues and issues with unemployment and am unable to make bill payments because of these bank charges. I am already charged a $ XXXX  monthly fee. 

Company refused to reverse charges. Is there anything you can do to 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 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
unauthorized fraudulent inquiries on my Experian credit report

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 2020-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX 2020 I submitted a form to refine my house and get an equity loan with JPMorgan Chase Bank XXXX A representative talked with me and explained all of the conditions, a week later I was told they changed the requirements, the needed me to have a higher credit score. I waited 3 months to resubmit the application and XX/XX/2020 I resubmitted the application because I had more points than needed to refine and other requirements. The representative told me I needed 12 months of payments of mortgage. All of the requirements I was told about, I had. One week later, I was called and they told me I dont meet the requirements, then she raised the amount of money that is required to be in the bank. My second application was not accepted. Ive tried to talk with more representatives of JP Morgan and the requirements that they say are necessary, I already have. I feel like the bank is playing with my credit at this point. I honestly need a firm answer because each representative seems to have their own requirements for credit. I just need a rigid answer because theyll add barriers as soon as I completed all of the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
I have received repeated calls from XXXX XXXX XXXX ( XXXX ) XXXX today was XXXX XXXX regarding a debt from XXXX   XXXX HSBC. 
Per XXXX there is a balance of {$900.00} something dollars in default as of XX/XX/2016 account ending in XXXX, and they can settle the debt for XXXX if paid today. This is apparently a company that received an old list of collection accounts and are trying to scam people out of money they've already settled or paid in full. I was a victim of a credit card opened in my name, therefore it was identity theft, but I had to pay the settlement with HSBC to get off my credit report which was cheaper than hiring an attorney. I'm seeking someone to put an end to this company preying on the innocent and debt free with old information just to line their pockets with money. If HSBC can help that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
My mortgage company, XXXX, will not pay my county taxes from my escrow account. I started receiving delinquent tax bill notifications. I tried to refinance my house is XXXX and it was discovered that the money is sitting in my account and has not been paid since XX/XX/XXXX. I called the company to try to resolve the issue on XX/XX/XXXX and was told that it was being escalated bc my home was being report as unoccupied and they didn't have to tax the taxes. I sold with a XXXX that transferred me to a XXXX ( in XXXX ) that would not do anything to resolve the issue. She told me that they updated my account and taxes would be paid XX/XX/XXXX. On XX/XX/XXXX, I received a new delinquent notice that the bill has not been paid. I call XXXX again and spoke with XXXX that transferred me to XXXX and was told it would be escalated with no reasoning as to why they still have not paid my taxes.

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 2020-07-28 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: TX

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$25000.00} XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I was promised a deferred payment ( due to COVID19 ), I was not aware that they would not consider it deferred and would mark my XXXX payment as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX I am a retiree living in XXXX, DE, trying to refinance my mortgage to save {$200.00} a month - but Experian froze my credit report and refuses to remove the freeze, unless I send a written request by USPS - my mortgage bank needs my credit report NOW - not next week. Itried to contatc Experian, but XXXX and phone customer services keep taking me round and round without ever connecting me to a live voice - I probably placed the freeeze two years ago following the famous data breach at Experian - Experian wants me to prvode an ID number given to me at that time ... I dont have it. Exoerian wont furnish it without written request! This is customer service nightmare!

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 2020-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TFC Credit Corporation of California
State: WA

Complaint narrative:
Non sufficient fees charged onXX/XX/XXXXand XX/XX/XXXX for XXXX each in fees. Payments were XXXX. I had enough money in bank account to cover payments. Bank has no records of non sufficient funds during the entire time of the loan. Tried to work out with company by sending bank statements via email on XX/XX/XXXX, but i was told its been too long over the phone, and no reply to email containing statements. Also the interest paid is too high as the loan was paid off in 8 months and I paid XXXX total. The loan was for XXXX at 10 % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. DPT ED XXXX XXXX {$4500.00} DPTE DXXXX   XXXX {$2100.00} DPTEDXXXX XXXX {$1600.00} DPT ED XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MCLEAN MORTGAGE CORPORATION
State: FL

Complaint narrative:
I live in Florida and my mortgage company is located in Virginia. I have a construction loan that is at the end of the final draw. {$45000.00} is 10 % of the {$450000.00} loan that's being held. Every time I have had a concern or issue with the builder I have addressed it with my lender. It got to a point where they got fed up with me always complaining about the suspected fraud and concerns for the third party company they hired to inspect my home. I have brought up my concerns about this company and not in agreeance with them approving certain draws but they told me that it doesn't matter that at the end I will have the final say and 10 % will be held and to let the builder do his job. It's been two years of dealing with this nightmare. I confided in them, trusted them to act in my best interest but they have completely disregarded everything I have told them -- like the builder defrauding them, misallocation of construction funds, plans submitted to them do not reflect draws they have authorized, draws that their inspector approved as 100 % complete, not complete. I was advised that 10 % would be held until CO, lien waivers, final walkthrough, and all final inspections pass by the county but I recently received an e-mail from them advising that  the house is 100 % complete when none of the inspections have passed, CO not complete, and survey not done. The construction loan matured several months ago but its no fault of mine. They granted extensions due to the significant issues at hand but refuse to talk with me over the phone. I am concerned that they are maliciously trying to approve my final loan without getting lien waivers ... another concern I brought up on multiple occasions.. subcontractors not paid for the work they did on my house. I just want answers. I've never been through this process and completely trusted that they would act in my best interest to guide me through it all and they have done nothing to help get this loan closed. I have paid interest totaling over $ XXXX! The last e-mail I sent was on XX/XX/2020 requesting information about closing, releases of liens, a phone call to me, requested to be the point of contact for the appraiser but to date, no one has reached out to me. Am I not entitled to call? Am I not entitled to have my loan transferred? Am I not entitled to exercise my legal right and demand answers? How can they just refuse to talk on the phone? It's a shame that I have to specifically indicate in each e-mail that my conversations are to be kept in confidence. Because if I don't then they run off and call my builder letting him know I've complained once again which worsens things between me and the builder. I can't even keep a conversation between myself and the lender in confidence. The biggest mistake I made was trusting a company not located in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
I am requesting that the dept. of {$280.00} is removed off my XXXX   account. I would please like to have it removed I am working o my credit and would soon like to purchase my first house! with this dept. being from the original creditor XXXX XXXX XXXX SC opened XXXX XXXX 2017 making this XXXX XXXX XXXX. I am asking please remove this account from my credit report so I can get closer to my goals.

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 2020-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Im disputing Acima Credits inaccurate records identifying me as delinquent to which they reported me late, negative and a charge off. My arrangements with Acima Credit in XXXX of 2020 was interrupted to which Acima Credit charged an unauthorized {$1000.00} via cash advanced, it was not set up correctly nor did the communicate this would happen, we disputed it and received credit for it and had my credit card company recharged the {$1000.00} back to Acima who claimed they never received it, Attached records show otherwise, which would have closed the account before my 90 days same as cash ran out and we would had paid off the furniture in full, but Acima Credits  business practices caused me to look as if I did not make any payments, thus reporting me delinquent and negative after a few months of their lack of communication not notifying me either by phone, email or mail that my account was going to collections and or charge off. I had no clue this was going on. The intent was to pay this off before the 90 day ran out to avoid the high interest. How I found out was, due to COVID-19 my payroll was cut by 25 % and I had to look at other options to survive and went to try to refinance my home and found out I was denied because of the negative reporting by Acima Credit, this was devastating to say the least. Once I found out what had happened I couldnt bare the fact to express my frustrations to Acima Credit. I had asked my wife XXXX XXXX who is a 4 time XXXX survivor to speak for me and connected with Acima Credit to dispute the credit reporting and their poor record keeping. Acima found more errors on their end and settled with us on XX/XX/2020 to close out our account and show PAID IN FULL. ( letter attached ). Still their accounting is all over the board with inaccuracies on reporting statements. This last dispute with them in XX/XX/2020 was discussed with Acima credit because after my arrangements to settle on payoff for {$990.00} in XX/XX/2020, their lack of communication not explaining to me then that my account was in collection. The appalling thing is Acima Credit charged my credit card for {$1000.00} just days before my arrangements for the {$990.00} and said nothing about it which if I paid the {$990.00} Acima Credit would have received {$2900.00}, the furniture is not worth the amount paid. After a long hard dispute process, and although we now have closed the account and Acima Credits negative credit reporting on me has tarnished my lively hood and wellbeing and caring for my wife XXXX. I called Acima to get this resolved and their comment was we can not change it, youll have to dispute it with the credit bureaus. Their unfair business practices to gouge more funds from me, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY 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 2020-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a telephone call on XX/XX/2020 at approximately XXXX XXXX  from the telephone number XXXX XXXX XXXX XXXX XXXX. 
The caller proceeded to say the last four digits of my Social Security number and asked me if they belong to me. Highly unethical for someone to give an unverified person the last four digits of someones Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$1600.00} XXXX XXXX XXXX {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I had my credit report recently pulled, and there were multiple duplicates I've already reported, then there were 4 other companies on my credit report that ive never done any business with. 
XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX PORTFOLIO RECOVERY # XXXX I've never did any business with these companies.

Company response to consumer: Closed with explanation