vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made 2 mobile check deposits on XX/XX/2021 with Citibank into my checking account which posted on XX/XX/XXXX and were made available for me to spend. On XX/XX/XXXX, Citibank arbitrarily rescinded my money and charged me insufficient funds fees for using the money from my checks which they cashed. They then held on to my money for and additional 7 days, even after sending a formal letter acknowledging that they had in no way apprised me of these deceptive practices when I gave them my money to open an account with 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 2021-03-05 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: CT

Complaint narrative:
All credit inquiries for XXXX XXXX are not mine I called companies they put report but nothing happened

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 2021-03-05 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
I have tried for 4 months to send back something ordered from the google store using the credit card from google. They said they sent the shipping labels but have not. This is the second time I have had this problem with google. The first time took 64 back and forth emails and months to get the labels to return the item. I have complained to the attorney general of NY and they said I might want to also get you involved. After fifteen minutes on the phone with the credit card company they transferred me to google store with no option that would have helped. I recorded the entire call for you if needed as I was filling this complaint out. Their mishandling of this is going to affect my credit. I have called more times than I have counted getting the same indifference. The first time it was for ear phones that I did not order. They sent a second pair and I only wanted one. The second time was for two chrome cast for the TV and they did not work with the TV 's. Now it is for a thermostat that is not worth it to me.This is on the bottom of the dispute a charge at google store financing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not have any credit score with the TRANSUNION company, a situation that I have tried to solve on multiple occasions and that said company has not tried to fix, using different pretexts and excuses on each occasion, not having any credit score with TRANSUNION has generated serious problems for me. When applying for credit cards, processing a vehicle, applying for a loan, this problem has affected me financially and has caused me serious inconveniences.

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 2021-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This is a formal complaint against Portfolio Recovery Associates located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is still reporting I have outstanding late payments. I have filed a dispute with 3 credit bureaus. Experian is the only one still reporting these negative remarks

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 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
XXXX XXXX Account # XXXX asserted collection for Comenity Bank for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals XXXX XXXX extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company continues to try and collect a debt that they allege is mine without verifying and giving me the proper information that I am asking to verify that it is mine. I am requesting a invoice or some contract with my signature on it saying that I agreed to contract with their company. The continue to send me these statements which Is not showing me that I owe a debt or signed up to pay them. I have sent them 2 letters and they responded with a pack of statements. My second letter I have sent stating to either send me the correct verification information or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates Account # XXXX asserted collection for XXXX XXXX Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Portfolio Recovery Associates is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. 
Historically, Portfolio Recovery Associates has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals Portfolio Recovery Associates Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. 

The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. Portfolio Recovery Associates Account # XXXX on behalf of XXXXXXXX XXXX Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. 

This matter has been satisfied since XXXX, four ( 4 ) years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I initiated a refinance of my mortgage in XXXX XXXX. In the process of settling the initial loan, we discovered that the property taxes were charged to the loan. The loan documents never indicated that the taxes would be paid by the loan servicer. After the initial inquiries and proof that I had paid the property taxes in the beginning of XXXX on my own, I paid BSI Financial the money they purportedly paid on my behalf for the taxes, anticipating a refund when they received or confirmed a stop payment of the taxes they shouldn't have paid in the first place. After the loan was paid off on XX/XX/XXXX, I was told to wait 6 weeks for the refund to come. After 6 weeks time passed, and after multiple requests for updates on the refund of money due, I have not received one message of confirmation or affirmation that this issue is being resolved. I recognize the additional challenges on staffing and anything that may thwart this process administratively, but enough time has passed without any firm confirmation that the money will be refunded. Moreover, I contacted the XXXX XXXX Property Tax office on XX/XX/XXXX, and was told there was never a payment made by BSI on my behalf. This leaves me quite suspicious about the money I was told that I owed and I am now not receiving in refund. I have asked the mortgage brokerage to get involved and they too have yet to receive any confirmation this problem is not being resolved. Filing this complaint is my next step in response to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I refinanced my residence with XX/XX/XXXXin the spring of 2020. I had set my payments up to coincide with my payroll so that I was making 26 full payments a year as I'm trying to get the loan paid down as quickly as possible to retire in a few years. 
XXXX sold my mortgage servicing to PHH.

I researched payment methods available at PHH and they do not provide an option to sync your mortgage payments with your payroll frequency. The best they can do is have you sign up for two specific dates during the month which will become out of sync with your payroll and eventually result in over drafting of you checking or the ACH Debit being returned for inadequate funds. 
In any event this is to the detriment to the consumer. 

It does not seem appropriate that a mortgage can be sold to another servicer if the new servicer can not provide the same level of service as originally provided. If this has an adverse impact on the consumer the consumer should be able to require the original servicer maintain the servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I just received a bill from Chase Bank showing interest being charged on my XXXX XXXX Credit Card account. Well, it appears that we mistyped an online bill payment three months ago and have been getting charged interest since then, even though the account has been paid in full for the last two ( now three ) months!. In calling for an explanation, it appears that somewhere in their fine print, their contract now says that if you miss even one payment, you will be charged interest for an additional two months beyond the first month you were charged interest as a penalty for missing that one payment regardless if you pay the bill on time, We've had this account for years and always pay our bills on time and have credit scores over XXXX on all three reporting agencies. 
I strongly recommend that anyone with a Chase Credit Card account, especially a credit card account that charges an annual fee of {$95.00}, cancel their account to avoid these excessive charges. We have cancelled our account and will be cancelling another Chase account and will not do business with this company unless the three months of interest are refunded. 
This is horrible customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05 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 — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: DC

Complaint narrative:
On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. 
I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. 
Thank you for your attention to this matter. 
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 2021-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THE MONEY HOUSE, INC.
State: PR

Complaint narrative:
I requested a preapproval letter for a VA loan, which was granted to me. Based on this letter, I place a {$10000.00} deposit for a new home. Basically a year later, about XX/XX/XXXX, the loan was denied and the developer forfeited my {$10000.00} deposit. The loan originator, XXXX XXXX, new the develpment sales person, XXXX XXXX. When the money was forfeited, I sent a message to XXXX XXXX, her response " I'm sorry '' Later, I learned through a realtor that I didn't quslified for a VA loan because I was going through a foreclosure ( still dealing with that ). 

The lender check my credit, they knew about my foreclosure case because it started back in XXXX, nevertheless they game me a preapproval letter for a loan it could not be granted. 

If you go through a foreclosure, you have to wait two years after the conclussion of said process to appply for a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Auto Finance lost the Title to my car after I completed paying the loan.

TD Auto Finance has been awful at communicating or providing appropriate paper work for me to obtain a duplicate Title. I have spoken with the people who answer the 800 number at least six times over the last 3 months. They often can not provide information on the status of my Title or paperwork to replace it because that information is with the Title Department and they can only pass my questions or requests along. All the while my vehicle depreciates and I can not sell it. This has been a frustrating experience. I made all of my loan payments on time to completion last XXXX. 
TD Auto Finance has been and continues to be awful to deal with. 
I have yet to receive the appropriate Lien Release Letter that would enable me to go to my local DMV to replace the Title they lost. I am sure I will have more frustrating phone calls until this is resolved or I will have to hire a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/2021 I filed a fraud claim with TD Bank. 
I had a very horrible experience with a scammer. 
They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine. 
I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account. 
The man immediately called me back. 
He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account. 
He told me as we were speaking that the scammers were stealing my money. 
He told me he would send me a a text with a code and I should give him the code to verify my account. 
I did and he told me that he was going to reimburse my money immediately. 
He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts. 
He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions. 
I gave him the codes as requested when texted to me. 
I became suspicious after 4 transactions and asked for his name and that I would call him back. 
I tried signing into my account to contact TD Bank and was locked out. 
I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money. 
I went to my local branch in 15 minutes and set up new accounts. 
XXXX the branch manager and I filed the claim. 
It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes. 
I appealed and was told to file a police report which I did losing 2 hours of work. 
Then today I called and was told my claim was denied again due to my giving the code to the scammer. 
This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank. 
I am now losing {$2400.00} given TD Banks refusal to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
The date was XX/XX/2020. The loan amount was XXXX. That included XXXX for the purchase of the car and the remainder of the loan was for Gap Coverage Insurance sold to me by the Credit Union. The Title of the car was given to the loan officer for approval of the sale of car. I and the seller both signed the agreement and the loan officer retrieved the document. 
The Loan Officer is telling his superior associates he gave me the Title Document for delivery to the Department of Motor Vehicles office in the state of Georgia. I would never agree to that. I am not familiar with that process and would not be comfortable with that process. We are in a state of a worldwide pandemic. 
On XX/XX/2020, the car was stolen from the XXXX XXXX location awaiting consultation for repair. I had full coverage on the car with XXXX XXXX. XXXX XXXX is denying coverage because the Title was never transferred to my name. I never owned the car. 
That puts me in an uncompromising position because the Loan Officer failed to deliver the documents to the Department of Motor Vehicles office in the state of Georgia. Now I have no car and no coverage. I did everything that was required of me. I even elected to carry the extra Gap insurance. There was nothing left for me to do further. 
The credit Union is holding me responsible for their error by continuing to charge me for the automobile Loan plus interest.. They are reporting bad credit to the credit bureau and that is not lawful. Please help with this matter. Thank you.

Company response to consumer: Closed with explanation