vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In their letter of XX/XX/XXXX attached to this complaint Citigroup representative XXXX XXXX provided me with the following information : " Our investigation found that we previously requested that information be removed from your email messages. However, a subsequent request reversed the adjustment. We have again requested that the information be removed. 

Please allow up to two billing cycles for that to take effect. If after two billing cycles, the account information has not been suppressed from your statement email notifications, please call me directly at the number below, Monday through Friday, between the hours of XXXX XXXX and XXXX XXXX ( ET ). '' It appears that XXXX XXXX of Citigroup provided me with false information since the sensitive information had not been removed from Citigroup 's statement email notifications. Citigroup 's response of XX/XX/XXXX, which is also attached to this complaints, stated that Citigroup is unable to protect my personal private information.

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 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
My mortgage company, Lakeview is overcharging me in my escrow account. In XXXX, an escrow analysis was done. I had a {$2000.00} overage. Which was mailed to me in XXXX. My taxes went down due to a reassessment and a Homestead Rebate. I mailed them the new tax bills to reflect this reduction. They paid the correct lower amounts, but never updated their system. When the analysis was done it was based on the XXXX figures. I explained they needed to update their system with the XXXX figures and do a new analysis. I spoke with the escrow department. The analysis department doesn't take or receive phone calls. A new analysis was done based on the XXXX figures, so nothing was changed. 
I called a second time and again nothing was updated. The third time I asked to speak for a person in management. The management women never gave me her name. After 45 minutes on the phone I was disconnected. I waited an hour for her to call back with no return call. I called for a fourth time again asked for a manager. I spoke to XXXX of XXXX  XXXX. She understood what I was talking about and said it would be corrected within a week. Nothing was updated even after this call. 
I called a fifth time, asked for a manager. I spoke with XXXX XXXX. He told me there was nothing wrong with the figures and rudely stated I didn't understand how it worked. Since they wouldn't adjust the escrow after this fifth call I requested that I stop the escrow portion of my payments. XXXX was still rude in the conversation and refused to help. At this point my frustration got the better of me and instead of continuing to argue the point, I hung up.

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/2020, I received documentation approving an extension on the deferment I had for my mortgage. My mortgage is with XXXX XXXX XXXXand I had applied for the deferment as I am a landlord and I wanted to give my tenants some flexibility in paying their rent since they were having problems with employment related to COVID. Though the approval was through XX/XX/2020, XXXX XXXX XXXX incorrectly reported me as delinquent on my mortgage for XX/XX/2020. XXXX  and XXXX  have fixed the inaccurate information but despite attempts from XXXX XXXX XXXX to correct this issue, Equifax has yet to remove the inaccurate delinquency from my Equifax report. I will provide documentation from XXXX XXXX XXXX showing the approved deferment along with correspondence I have had with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
After paying {$9200.00} to pay down my credit account, my account was closed. This action by Wells Fargo is an unfair business practice and should be stopped. Had I known my account would be closed the very next day my decision to pay a significant amount of money would have been different. I am told the decision to close my account was made the very same day I rendered payment. This action taken by Wells Fargo to close my account is both reported inaccurately on my credit report and puts me in an economically and fiscally vulnerable position at the time when I find myself impacted financially by the COVID-19 pandemic. I had asked to be placed on payment assistance and for my current employment status to be taken into consideration. I am now without a job, {$9200.00} dollars, a bad credit report that is false and inaccurate during a time when the uncertainty and I find myself unemployed with no saving and unable to financially sustain. If I had known my account would be closed, I would have not made the full payment of {$9200.00} dollars given my unfortunate circumstances.

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 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have contacted Equifax a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Equifax it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX  XXXX. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Spontaneously, an email was sent stating there would be a decrease in credit line for inaccurate reasons. Upon reviewing credit report and credit score ( as credit has been frozen since beginning of year ), information provided by the credit card company is again, inaccurate. 
I have had an account with said, credit card company, for many years. Maintaining bill payment and well standing account. All accounts on credit report have some of the lowest balances currently, than before. 
It seems the credit card company are not honoring their ethical standard but compromising or punishing consumers for paying bill on time, etc. 
The should be reviewed and credit line on account should be reinstated, as I am disputing all inaccurate information and standing as advocate for this biased handling of 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 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX  XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

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 2020-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

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 2020-12-05 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Since around XXXX/XXXX  right after I got notified that my Citibank Secured Card was completely comprised. I sent them a XXXX deposit and tried to rectify the problem back around that time. To no avail they have a zero  Fraudulent liability and refused to honor their contract. I called several times trying to resolve this problem but I would get a customer service experience from another country and they said nothing could be done. I called twice then Covid hit and I had to take care of my family so Citi Card was on the back burner until I recently received a collection notice from them I called them back and requested they file a fraudulent dispute and they did so according to the representative I spoke with today they issued a new card and its the account is in the security operations department. The reason for this complaint is just to keep Citibank accountable for their actions and not throw me aside because I happen to have a secured card. So far everything is working according to plan regarding the disputing process as per Citibank. But as of today there still is a balance of {$490.00} remaining that needs to be credited to the account Reflecting a XXXX  balance and {$600.00} available credit. Today I received a XX/XX/2020 response to your request for COVID-19 assistance which I never asked war and the letter happened to deny me for assistance the only thing I wan na receive from Citi Card is A : check for {$600.00}, B : A brand new Citi Card credit card reflecting XXXX balance and {$600.00} available credit. This process should have been resolved months ago but because of poor educated bankers at city Bank unfortunatelyThe matter never got resolved but I believe Citi Card is going to do the right thing and resolve the XXXX crediting my account reflecting a XXXX  balance with a {$600.00} available credit for purchase. We are in the mist of a pandemic this is not the time for the banking system to toy around with their clients finances whether its XXXX or {$6000.00}. Fortunately enough for me I believe finally my account is in the right hands but lets wait and see.

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 2020-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I contacted Shellpoint Mortgage Servicing about having the PMI removed from our mortgage, as we had reached 80 % of the original value. At that time I was told that was not so and it was not eligible until XXXX. Beginning XX/XX/XXXX they started charging an additional {$340.00} in PMI. I was not aware of this until we received our escrow statement in XX/XX/XXXX, as they did not put PMI on our monthly statements. This escrow statement showed a shortage of {$2100.00}. The total PMI being charged from XX/XX/XXXX going forward is a total of {$430.00} per month. This amount is more than the amount going to principle - {$360.00} or interest - {$320.00}. This is outrageous. We did send Shellpoint {$150.00} to have a home valuation done in hope that the PMI will be removed. This home valuation was done XX/XX/XXXX. Regardless of what the outcome is, this PMI is being overpaid and should be corrected and refunded. The PMI should have been removed and we should not have even been required to pay the {$150.00} for the home valuation. Charging more in PMI than the amount of the principle is not right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 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:
On XX/XX/2020 I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX  Data Breach and I fear this might expose my info to wrong hands.

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 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: IN

Complaint narrative:
This is the third complaint about the same issue for a transaction dispute with axos bank. I have received a response from the last complaint the bank has provided me with documentation from the merchant XXXX, However this doesnt validate my claim. It shows the information on the transaction but NO PROOF OF DELIVERY. As I have stated several times in the past NO MERCHANDISE WAS RECEIVED. The corresponding documentation from the merchant does not show any proof of delivery for merchandise. Also please re review my documentation with the merchant stating they will refund me for the missing merchandise. I STILL HAVE YET TOI RECEIVE THIS REFUND FROM AXOS BANK NOR THE MERCHANT. BOTH PARTIES ARE LYING TO ME. axos bank is refusing to help in disputing the transaction to retrieve funds bank from XXXX even after stating the refund has been processed several times ( see documents ) AND OR axos bank has received My refund and has yet to return it to me as they ending the banking relationship. I HAVE PROVIDED ALL PROOF OF DOCUMENTATION NEEDED FOR THIS CLAIM. XXXX XXXX has provided return policy and that no item was returned. I CAN NOT RETURN WHAT I NEVER GOT. Also they have agreed to refund me for this. As documentation shows. I am unaware of the lack in communication here and what involved parties do not understand, after several attempts to get documentation from axos and after reviewing it appears the dispute was filed incorrectly or someone is just not getting it. This is MERCHANDISE NOT RECEIVED. AND the merchant promised a refund for the issue. Am I not getting it? I am unsure why the last documentation is talking about no item being return no credit is due dispute is invalid. Review my documentation that XXXX promised me the refund. Has not provided any proof of delivery. And axos is not helping in the matter,. XXXX XXXX XXXX if someone can reach out to me I would appreciate it. There is STILL NO VALID DOCUMENTATION OF DELIVERY CONFIRMATION OF MERCHANDISE NOR PROOF OF CREDIT ISSUED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I just recently filed a dispute with BB & T and they denied my claim saying that I wasnt able to get my money back to my card and I really couldnt understand why because none of the charges on my account were Authorized at all, All of the transaction was made online and my card was compromised I didnt open any accounts with the merchants or used my card at all, I am not sure the exact amount of my dispute and exactly how much I am suppose to get back but I do have the claim number for that specific dispute and it is : XXXX I do the that the amount is a bit over {$700.00}, Its not right that someone took my hard earned money and I am not able to get it back, they attempted to reopen the dispute but Im not sure what is going on, its just a lot of money I lost and need to get. Back

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 2020-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I send a personal verification letter with I.D, SSN and Bill Statement they didnt update my personal info i still see the addresses and names plus they add my employer to file.

I send a ID theft report letter and ( 605b ) with a FTC report switch just updated my report and see its still addresses, one account that didnt get remove i called CRA 's and they said that the account was verified dont know how if it was identity theft.

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 2020-12-05 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: IN

Complaint narrative:
I have reached out to XXXX numberous of times about my KY HIGHR EDU account about multiple errors on my report. Date Opened, Date Reported, Creditor Type, Account Status andPayment Status is all incorrect. I sent letter on below dates 1st - XX/XX/2020 2nd - XX/XX/2020 I received letter saying updated but did not fix the errors

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 2020-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I was at the Macy 's store in XXXX XXXX in XXXX, Maryland. I went to to make a purchase handed the cashier my Macy 's card and was told the card was denied. I explained to the Cashier its been a little while since I have not used the card. They called the credit card department and were told the account was closed. The cashier handed the phone to me and I was told by the representative that the card was closed because of inactivity. I have had the Macy 's account for almost 20 years and was never told the account would be closed if inactive. I was told that this is my agreement and that I would now have to apply for a new credit card. I pulled a copy of my credit report and I saw that the card was closed in XX/XX/2020. This is especially hard that the account was closed during this pandemic. I was never notified.

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