vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-13 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: GA

Complaint narrative:
Made a car rental reservation [ Rental Agreement # XXXX, XX/XX/XXXX pick up in XXXX, XXXX ] directly with XXXX at the XXXX website ( i.e. NOT a 3rd party website ). Contract showed price of XXXX euros. At time of pick-up, I noted the charges detailed on my rental agreement were incorrect and I questioned it, and was told, " that is just a hold on your credit card in case you don't return the car on-time, full fuel tank, or other misc. charges. It will " wash out '' when you return the car ''. 

When I returned the car, the check-in statement showed XXXX euros -- an overcharge of XXXX euros. I've provided detailed info several times to Citibank. They've provided several responses from XXXX -- none of which makes sense. I can not identify all of the XXXX euro overcharge, but the main item is XXXX euros for " liability insurance ''. My XXXX rental profile clearly states that I decline any XXXX insurance, including liability [ my credit card provides this coverage at no cost ]. Even more confusing, a document provided BY XXXX to CITIBANK and forwarded to me today is a document that I signed at the time of rental stating : " Acknowledgement of Liability : I have decided NOT to purchase Collision Damage Waiver, Theft Protection or Damage Excess Reduction. I am aware that I am liable for ALL damage to the rental vehicle. I acknowledge that XXXX offered me cover but I have declined ''. Next to both of these statements is a " block '' where I had to place my initials. 

Another block further states : " My liability is for the FULL Value of the vehicle and related costs. '' This section required that I sign my full signature. 

So, XXXX themselves have provided information that proves I declined this add-on cost. It seems that Citibank simply forwarded the documents to me XXXX from XXXX XXXX without even bothering to read them. 

Regardless, how can any company think they can legitimately DOUBLE the cost of a reservation/contract with a customer with unsupported charges!??! 

A further irritation with Citibank is that they provide 4-6 weeks for the company XXXX XXXX XXXX to respond, but allowed me only 10 days to rebut. The most recent letter, although dated XXXX was not received until XX/XX/XXXX, and requires my reply by XX/XX/XXXX. U S Postal Service from XXXX XXXX SD to XXXX GA is 3 days ]

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 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no recollection ( s ) nor have document records of my authorizing the following Credit Inquiries with my signature the same that appears on my Texas Driver License # XXXX. 

Inquiries An inquiry is a request for your credit history, usually when you're being considered for a line of credit. 
Inquiries Credit Inquiry XX/XX/XXXX XXXX XXXXXXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/XXXX XXXX XXXX XXXX Credit Inquiry XX/XX/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 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : 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 2019-09-13 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: FL

Complaint narrative:
I HAVE CONTACTED ALL 3 BUREAUS TO REMOVE THESE HARD INQUIRIES THAT I DID NOT AUTHORIZE REMOVED IMMEDIATELY. THEY ARE NOT COMPLYING, I HAVE SENT LETTER AFTER LETTER AND STILL, HAVE NOT RECEIVED ANY PROOF. THIS IS HURTING ME ALOT AND I NEED THIS FIXED. THE INQUIRIES ARE LISTED. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX   XXXX Inquiry : XXXX XXXX, XXXX XXXX  - AUTO FINANCE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom it may concern, I am writing this complaint so my concerns in regards to my loss mitigation review with Shellpoint can be addressed and rectified immediately. My loss mitigation request was submitted back in XXXX of 2019 and when it was pending a decision an appraisal needed to be ordered by the lender to complete the review. This took longer than it should due to the appraiser hired by the lender not contacting me the homeowner in a timely manner. Once it was finally completed it was not even given to the lender right away and they did not have this information until almost 3 weeks later after taking almost a month to schedule it. After receiving this information other documentation used for my review became outdated and was requested in XXXX of 2019. Once this was sent into the lender they then needed additional information about the co-borrowers income in which was submitted. Fast forward to right now and not only has no decision been made in almost 6 months, the income used was not properly calculated resulting in a denial in XXXX after all the requested documents were given to the underwriting staff. Due to the negligence of the underwriting team in calculating the co-borrowers income. I was able to get the file reopened and it is currently with underwriting pending a decision with all documents accounted for however they now need a new appraisal per their guidelines as appraisals are only good for 90 days. I feel like my file is being delayed and sabotaged as they didnt even have the correct loan balance in the paperwork. I have requested a new underwriter and also requested a new manager for my file to no avail. I would like answers and proof my appraisal is only good for 90 days and if this is true why wasnt a new one ordered back in XXXX as it would have only been good until then. The quality and care of my file has been unacceptable and unprofessional. Everything being requested from me was piece mailed and asked for every 3 weeks causing a major delay in this process. Not only does it cause a delay in the review it also caused for other documents to become outdated when in fact they have always had a complete file. I would like this rectified immediately. I have worked for a government establishment for years and tell you right now this seems like they are delaying this modification review on purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
On XX/XX/2018 i was offered a settlement offer in exchange for a pay for deletion. The debt was paid. Fair collection & outsourcing was removed from my XXXX   report. Yet it is still showing on my XXXX and XXXX as i owe them.

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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Usaa has really mishandled this entire situation that I am about to explain. I contacted USAA a few months back to open a dispute about two debit card transactions that I wished to dispute. This is my only dispute in 6 months. Usaa concluded that the item in question nothing had been done wrong by the vendor. The vendor was a gym and they said in order for me to get a refund that I had to allow them to use my XXXX page and set my main profile image to their gym artwork and each time I was there I had to do a check in online or I could not get a refund ... USAA closed my dispute prematurely and reversed over {$400.00} in temporary credit because it sees nothing wrong with this conditional waiver to consumer privacy. 

I contacted Usaa this past week to find out why they did this and spent over 1.25 hours on the phone with them only to be told that I would have to reopen my dispute and that they would reissue a credit again, but it might take 1-2 business days to receive, this ended up not being the case as I called in on the 3rd business day and the rep said who ever I talked to before the call has given me wrong information stating that I would not be getting a temporary credit. This seems wrong that usaa see nothing wrong with the vendors behavior mentioned above and is refusing to side with me and charge back on the vendor. 

The entire handing of the matter shows that the left hand does not know what the right hand is doing at usaa XXXX XXXX 

I am requesting that usaa do the right thing and refund my money. 

Please do not call and communicate in writing only.

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 2019-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I had a tax refund for an over payment of taxes as I was approved for a XXXX exemption for tax year 2017 forward. I requested the mortgage company to provide a letter to allow the refund to come to me directly. They declined to provide even though they are withholding the maximum amount per law according to my calculations. I have called the loan service provider and submitted multiple requests in writing to provide the refund. The loan provider is now holding my refund in escrow and I have been told that I I will not receive a refund as I have not paid yet for this months mortgage. I believe the company is in violation of the law regarding the maximum escrow withholding. I also think their policy to not allow a refund of this nature to go directly to the mortgagee will many times result in a violation of the law in this area. I am only 13 days behind on this loan, it is unacceptable that I was told I would not be refunded monies owed to me because i was not current.

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 2019-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
Greetings this company sold me a lemon and the bank that approved the loan have a great working relationship with this shady dealer, that sold me a lemon. I went to the dealer and ask them to change the vehicle due to the issues and he told me that I have to wait six months in order for him to trade the vehicle, now mind you within that time the car have been in his shop and possession getting fixed and I had to pay for the service and the part that they replaced. In the six month time I went back and told him that you had promised to trade the vehicle because now I am experiencing more problems and that is not fair then he told me that the bank United auto doesnt want him to trade the vehicle. So I told him that I will leave the vehicle on his lot, he told me go home and he will work it out with United auto credit because he knows the manager personally. 
Nothing happened and and I made several calls to United auto credit to let them know, how am I going to continue on making payments on a vehicle that I cant drive, so they told me to return the vehicle and I will not be charged. It took me more than two months to schedule a pick up with this company they are just horrible and shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
This My Second ComplainXXXX, The First case was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc.
State: NE

Complaint narrative:
From XX/XX/2019 to XX/XX/2-19 Hauge Associates calls me and when I answer they hang up. They call from XXXX and hang up. They do not leave messages. They do this ten times in an hour for 8 hours a day. When I call the number they say " XXXX '' or just a first name and I have to inquire several times to find out what company they are with. They state that they are associates, representatives, and act as if they are attorneys. I have asked them to cease and desist calling and they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: BHFC Financial Services INC
State: CA

Complaint narrative:
Car was repossessed XX/XX/XXXX. I received about {$2000.00} in toll and parking tickets from dates way after the car was repossessed. BHFC financial services never sent me repossession paperwork that I needed in order to show the toll and parking companies that none of the tickets were my financial responsibility. I have been trying to get the correct paperwork for over a year from them. On XX/XX/XXXX I spoke to a representative named XXXX from BHFC about sending not the intent to sell paperwork ( which is what I have been sent previously and has the wrong repossession date XX/XX/XXXX ) but the repossession paperwork that showed the correct repossession date and towing company. She said okay. The next monday I received yet again the intent to sell paperwork. Nothing that shows the correct repossession date and towing company. On XX/XX/XXXX I called again to request the repossession paperwork. I spoke to a woman named XXXX who was very rude. She told me that the paperwork that they sent me ( intent to sell ) was all that I needed. I asked her for paperwork that showed the date of repossession and who repossessed the car. She then continued to avoid my question and gave me a phone number to the tow company who repossessed my car. I asked for her email so I could follow up with specifically her about our conversation and she replied " you can have your legal team contact our legal team. '' She refused to give me her email, and also refused to send the correct repossession paperwork. 
I would like this issue to get resolved without getting lawyers involved but, if it does not get resolved, I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I called all 3 credit bureaus ( XXXX, equifax, XXXX ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This My Second Complaint, The First case was denied

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 2019-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank has refused to properly investigate disputes filed against XXXX XXXX and left me with a negative balance of excesss of XXXX dollars due to failing to review all evidence i have submitted. I have asked for case updates and was rold that the XXXX   XXXX XXXX did not properly investigate the matter. When speaking with chase i interacted with a very rude representative whom i informed that i was recording the call and he said nothing he informed me that hia supervisor told him to tell me she was going to tell me the same thing he was. When i asked to speak to that supervisor XXXX i informed her as well i was still recordning the call and she got an attitude with me saying that she didnt authorize me to record the call and refused to assist further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Javitch, Block & Rathbone LLC
State: LA

Complaint narrative:
Called repeatedly @ 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 2019-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
XXXX XXXX submitted to collection agency for charges that were covered by my insurance company. Multiple attempts to resolve issue with XXXX and the collection agency has not be successful. I have submitted Explanation of Benefits from insurance company to the collection agency and they still will not resolve the account. 

The collection agency is : Credit Collection Services XXXX XXXX XXXX, XXXX MA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation