vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I purchase a XXXX phone back in XXXX or XXXX as a XXXX gift for someone. on XX/XX/XXXX, I contacted XXXX store asking teme about return slip. so that I can return back the phone. the refused because they stated that the phone was purchased over 30 days and therefore can not be returned. I explained to them that the person did not want the phone because the could not use their present carrier and the phone would be of no use to them., After the refused to send me a return label, I then, contacted the financing company Synchrony bank them to cancel the account. the financing bank cancelled the account and fowarwed me an email in a letter stating the finincing account was close. I was to begin paying for the first payment of the phone on XX/XX/XXXX, however, I had started the process of returning the phone. the phone was returned to the mailing address it came from and someone signed for it. I then contacted XXXX store explaining that I will not be doing the monthly payment due to the fact that the account was closed and the phone was returned back to them. I asked them to stop call and to take the negative report off my credit report. they stated that they would investigate my concerns. after about a month the send me a letter stated that I need to send proof that the phone was returned. I did ned then proof and a few weeks later the informed via mail that the could not find the return phone and therefore I was still responsible for the {$690.00} charge for the phone.

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 monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello my name XXXX XXXX XXXX. I have an account with Chase Bank. I am writing this letter to inform you of a harsh and uncalled for experience that was meted to me at a local chase bank on XXXX XXXX XXXX XXXX, XXXX Texas XXXX on Saturday XX/XX/2018. 
I went to this location ( XXXX XXXX XXXX XXXX, XXXX Texas XXXX ) to withdraw money from my account. The amount I wanted to withdraw was a little over ten thousand dollars. 
Before going to the location, I checked my online access and it indicates the availability of the funds. However on getting to the location, I was surprised that the Chase Bank representative on duty XXXX XXXX XXXX informed me that the funds can not be disbursed to me. I asked to find out if there was any hold on my account but she informed me that there was none. She gave no special reason why the funds can not be made available to me. 
Even after giving her all the required valid identification, she still refused to disburse my funds. 
I left that location and drove ( few minutes ) to the XXXX / XXXX XXXX location ( XXXX XXXX XXXX, XXXX, TX XXXX ) which is within a 10 minute drive interval. The funds were made available to me at this location ( XXXX XXXX XXXX, XXXX, TX XXXX ) without any difficulty. 
The whole incident did not feel alright especially considering why XXXX XXXX the Chase manager refused to disburse my funds. 
My observation is that XXXX XXXX XXXX attitude to me is a text book version of racial profiling. She did not have any reason for denying disbursing my funds. She never complained of not having the said amount to disburse. I feel racially profiled by the Chase Bank representative. Since Chase Bank has the same policy overboard, why did the other branch down the street disburse my funds without asking questions in a 10 minute interval? I feel the Chase Bank representative is choosing and picking her customers based on her personal mundane reasons. She may have been wondering why I was withdrawing the earlier stated amount of money. It is because of this reason that I am bringing this to your attention. 
Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

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 2018-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX a annual escrow disclosure statement was applied on my mortgage account. The statement stated that there was a change in my escrow account and that my mortgage payment was increasing from {$1200.00} to {$1600.00}. Which is an increase of {$380.00} per month. The calculation they used was projected escrow balance of ( {$1600.00} ) minus allowable low escrow {$1100.00} which is how they came up with a shortage of ( {$2700.00} ) which is incorrect because I qualify for a homestead exemption which is a credit I receive on my real estate taxes because I am XXXX. I have sent them documentation proving that a qualify for the tax credit. The bill that they paid in XX/XX/XXXX was for the first half of XXXX for dates XXXX XXXX - XX/XX/XXXX. I bought the house XX/XX/XXXX of XXXX. XXXX County bills a year in arrears so the tax bill that was paid this year was for the sellers portion of the bill. My first full year of homeownership will be the end of XXXX which will be when m homestead exemption credit will be applied. Currently my escrow account is not short they are trying to add the ( {$2700.00} ) from XX/XX/XXXX to my current payment. That analysis was done based on the sellers tax bill which is not my full year tax bill I will receive that bill XXXX XXXX due in payable in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: PA

Complaint narrative:
Our Citi credit card was charged by a company XXXX XXXX ( XXXX XXXX ) for multiple charges. This was for a " free '' cosmetic sample. Upon learning that there would be a charge for future shipments of cosmetics, we called the company ( we believe in XXXX - maybe early XXXX ) to cancel all future shipments and charges. We also called Citi ( XXXX XXXX ) to contest charges to our account by this company in XXXX, XXXX, XXXX, and XXXX. Despite us stopping this service with the company, and contesting the charges with Citi, we see more charges in XXXX on our statement. Now Citi is telling us there is nothing they can do and I have to pay these charges. I've asked Citi on more than one occasion to block these transactions with this company. Citi has offered no help in resolving this. Citi also said if I close my account, they will not be able to contest the charges. They are using extortion to get me to keep my account open - or, I won't be able to contest the charges. Citi is HORRIBLE!!!!!

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 2018-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two accounts that need to be removed which are XXXX XXXX # XXXX {$1500.00} I do not owe anything on this account please remove XXXX XXXX # XXXX {$650.00} account has been paid and per the company they sent a request over for your company to remove please remove

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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
Please see previous complaint XXXX. 

Freedom mortgage did not allocate funds correctly again. TheXX/XX/XXXX payment should have been principle only and it was not. The aforementioned complaint gives all the details.

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 2018-04-30 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: AutoStar Finance, Inc - D/B/A Atlanta AutoStar
State: GA

Complaint narrative:
On XX/XX/XXXX my husband and I financed a car with Atlanta Auto Star. We searched for a car dealer that reports to all 3 credit bureaus and chose Atlanta Auto Star for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. In XX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have been harassed by a XXXX XXXX, who claims he works for Carrington through XXXX XXXX, about the status of my loan and when I will be paying. XXXX has threatened to send up to 4 people to my home to remove my family as we are not speaking to him, as Carrington has repeatedly denied having any knowledge of him and denied even utilizing third party agents. XXXX XXXX still claims he works for XXXX on behalf of Carrington, has claimed Carrington doesn't know what they are talking about, has repeatedly tried to get me and my family members to agree to pay more than what's owed ( I currently owe aprox. {$22000.00} and he told my son-in-law that I owed {$50000.00} ). He has gone as far as to even email 6 different email addresses with my daughters name and our street address, not knowing if it was her, and even though my daughter is not on my loan. I am trying to make right by my loan, but am afraid to trust anyone, whether it be this XXXX character, or someone from Carrington since I have no idea who is right in this matter. I would appreciate being able to deal with one person and will gladly do what's necessary to make my loan whole again, or if I can find another lender deal with another lender. Proof of said emails can be furnished upon request as well as call records from when he called my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX my mortgage was transferred from XXXX to XXXX XXXX. In XX/XX/XXXX, I mailed a check for the mortgage to XXXX ; then after that, starting in XX/XX/XXXX, payments were automatically sent from my account. I received a letter from XXXX stating that my mortgage had been transferred to Sortis on XX/XX/XXXX. I received an official letter from Sortis on XX/XX/XXXX. It stated that my first payment was due on XX/XX/XXXX. I am asking that any back payments prior to XXXX taking over the loan ( then transferring it to Sortis ) be attached to the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I went on Freedom Mortgage 's web site to pay myXX/XX/XXXX mortgage payment on XX/XX/XXXX. The site did not take the payment so I called Freedom Mortgage and they told me to resubmit the payment on XX/XX/XXXX. On Sunday XX/XX/XXXX I went to XXXX XXXX to get cash from my ATM and noticed my account was {$910.00} over drawn. I went home and checked the Freedom Mortgage site and determined that myXX/XX/XXXX mortgage payment was paid on XX/XX/XXXX andXX/XX/XXXX, duplicate payments. I called Freedom Mortgage Monday, XX/XX/XXXX and they would not reverse the duplicate payment so I'm filing this complaint.

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 2018-04-30 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:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-04-30 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: FL

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-04-30 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: VA

Complaint narrative:
On XX/XX/2018, I contacted XXXX about being charged an additional {$50.00} after I had paid off my credit card balance. At first, the company insisted the charge was valid, but I pointed out that it was against the law for credit cards to charge more interest once the entire balance has been paid off. The represented checked with a manager, and agreed to refund the amount. 

Also on XX/XX/2018, I contacted Chase about being charged an additional {$10.00} after I had paid off my credit card balance. The representative spent several minutes insisting that the charge was valid, and there was nothing he could do. I told him such charges have been illegal since the financial reform, that I refused to pay it, and that I would report Chase to the CFPB. Eventually, he decided to check with a manager, and then agreed to refund the amount. 

While both credit cards agreed to refund the additional interest, I don't want to go through this every time I pay off a credit card bill. Not to mention that there are millions of people who are unaware they shouldn't be paying those additional interest charges. Credit companies are defrauding consumers of billions of dollars annually, and they should be held accountable. These companies should be forced to refund those charges, and permanently stop this practice. That is why I decided to report the issue to the CFPB.

Company response to consumer: Closed with explanation