vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-14 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: NY

Complaint narrative:
I noticed a total of 4 charges on my card from the same location around last week of XXXX. I did purchase food from this location on XX/XX/20 but not for the other 3 shown below. 

XX/XX/20 : {$3.00} XX/XX/20 : {$14.00} XX/XX/20 : {$14.00} So I called Citi back for the first time back in last week of XXXX and explained the situation to the customer service agent. 
The charge for {$14.00} on XX/XX/20 was showing that it was still pending at the moment. She told me that she'll cancel my card and send me a new one. She also mentioned that it's going to be under investigation and it will be resolved. 

I waited for about 3-4 days and I logged on my account again to see if there was any updates on my dispute. I noticed that there was nothing under " open disputes '' on my account and I noticed another charge from the same location at XX/XX/20 for {$12.00}. So I called again and spoke to about 5-6 different departments and it was very frustrating because I had to explain the whole situation multiple times. I was told that the XX/XX/20 charge for {$12.00} won't go through because I already canceled the card and that everything should be resolved. 

I logged on my account again yesterday and saw another charge that was made from the same location on XX/XX/20 for {$3.00}. 
Now I have total of 5 posted charges from this vendor that I didn't approve or make.

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 2020-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I am enrolled in the public service loan forgiveness program. In order to do this, I consolidated my loans into the federal direct loan program in the fall of XXXX and have been certifying my employment as a social worker along the way. My letter stating my date of eligibility for loan forgiveness has a portion of them eligible XX/XX/XXXX, but then has another portion of them due for forgiveness in XXXX. This does not make sense as the loans were all consolidated at the same time. I informed my loan servicer ( myfedloan ) over a month ago and they sent it to the Department of Education for manual review, however, there is no response yet and no clear time frame of when there will be a response. Please note that this issue seems to be with getting a response from the Dept of Education and not the loan servicer themselves - the options from the first screen do not quite capture the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For two months now I've gone above and beyond proving to Equifax my identity to remove a credit freeze. 
I then get the results, ( two letters disputing wether or not it had actually been removed made it even harder to confirm ) and Equifax has entered my correct legal name wrong into my credit report, ( this already had dire consequenses on my credit in the past ). 

They have entered my first name as " XXXX '' when it is in fact " XXXX ''. 

And they now deny me access to correct THEIR MISTAKE via customer service due to my not having 20 year old mprtgage records that the statue of limitations on is 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
It amazes me that banks/deposit institutions can charge for overdrafts that could represent over 100 % of the actual overdraft. 
If you overdraft by {$37.00} at Citizens Bank, you will be charged {$37.00}. What is the equity of that scenario? There is none. 

My recommendation is for there to be an established a percentage of overdraft for allowable fees up to and including the standard full overdraft charge. 
So a bank could charge 25 % of the overdraft up to their {$37.00} or whatever the standard may be. 

Currently ; If you overdraft $ XXXX.you will be charged {$37.00}. If you overdraft $ XXXXyou will be charged {$37.00}. Makes no sense. 

Make sense? Youre welcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
I refinanced my home mortgage with XXXX XXXX XXXX, funded on XX/XX/2020. This was a VA mortgage, they did a credit check. 
My loan was purchased by Caliber Home Loans. 
A credit inquiry was made on XX/XX/2020 by Calibar Home Loans which was not approved by me. This inquiry drastically reduced my credit score and I would like it corrected please. 

Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a Mortgage that was transferred to Mr. Cooper on an investment property. 
I decided to call and to request ( I was very clear about this ) either a HELOC or a refinancing in order to make a cash out. 
I was transferred to an agent, his name is XXXX, he asked several questions in order to understand my needs, the status of the house, I was very clear it is an investment property and I also disclosed the rental income on the referenced property. 
A couple of days later, the agent called me back to give me the " good news '' on a new mortgage for the property. When I said " Hold on, I told you I need a cash out, I am not looking just to refinance this mortgage for the same amount '' he admitted it was his mistake, he said he forgot about our conversation and he asked me for more time to review the available options. 
A week later, he called back and said that they do not offer what I am looking for on an investment property. 
Obviously, he made an inquire on both, ran both my wife and my own credit report, when he could never even offer me the refinancing on an investment property that I was very clear from the beginning that I was looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
THE ACCOUNT LISTED FOR A APARTMENT LEASE IS A FRAUDULENT ACCOUNT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN A LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE A CRIMANAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and XXXX CRA &. On XX/XX/2020, I mailed XXXX, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
Between XXXX and XX/XX/2020, I was transferred a few transactions to my cash app account, totaling {$350.00}. Fortunately, I have been unable to retrieve the money from my cash app. I have tried every action possible to contact Cash App and to retrieve my cash myself but I have not been able to fix the issue please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XXXX I submitted documentation from my County tax accessor and the VA to My Loan Care property mortgage company, showing I am a 100 % service connected VA and that I am exempt from taxes. Since that time I have called repeatedly I am told each time that my information has been received and that someone will contact me. This has yet to happen. I have spoken to supervisors, Ive tried to complain through this company, all to no avail.

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 2020-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: WA

Complaint narrative:
A representative from The USI Solutions office contacted me in an attempt to contact my spouse. Red flag # 1 was they utilized my spouses maiden name which she hasnt gone by since 2015 # 2 they had no contact information for her only my phone number. # 3 they didnt even know her spouses name the owner of the phone number which they had contacted. They also could not provide an email to my spouse regarding the issue or contact information for the office. 

Representatives # XXXX XXXX XXXX Ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony accounts with promotional balances without a convenient or efficient way to make and apply payments to promotional balances without calling in. Multiple attempts at having Synchrony apply the payments to promotional balance to avoid paying interest when not paid by promotional balance due date. After calling several times waiting due to high call volume, I spoke to a representative who assured me the payment would be applied as I intended yet they applied the payment to the incorrect account. After calling again, I have been advised that it will take up to two weeks to apply correctly. I am writing this complaint as a consumer as many would not be aware of this and cause unnecessary interest being collected when there are more than 1 promotional balance accounts. This is wrong and must be fixed. Payments made are automatically applied as they want and the consumer has no control or method to apply payments to the accounts directly. Thank you.

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 2020-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I filed a dispute with Citi Bank in XX/XX/XXXX which resulted in an update with the credit agencies in my favor regarding a debt discharged in chapter XXXX Bankruptcy in XX/XX/XXXX. On XX/XX/XXXX I received a letter confirming this update. A month later I receive a letter from Regulatory Complaint Specialist H. Mounted reversing that decision because my Social Security number and And address didn't match. I had two social security numbers which is why the Bankruptcy Court attached a declaration stating such, which was attached to the complaint and forwarded to Citi Bank and will be attached again. My address does not have to match as I am an American and free to move about as I please. Please review the documents carefully as to not make a judgement in haste. The United States Bankruptcy Court made a decision and it should be upheld. This is causing much stress in my life and would like to move on as soon as possible from this ordeal. This is having implications on me obtaining employment and providing for my family Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-14 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 re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a pending application for a Capital One Quicksilver card. That has been pending since XXXX. 

I submitted my documents and Capital says there was an issue with my social security card being completely visible. I am resubmitting a 100 % visible copy of my social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX I have had a lot of problems with Loan Care / XXXX XXXX XXXX. I have tried calling them, sending letters and emails - however they do not work. 
LoanCare has lied to us in XX/XX/XXXX about paying our home insurance and tried taking almost {$2000.00} of our escrow money. Once I contacted the CFPB, you stepped in and helped. 

I've already reached out to you last month because our escrow account was getting deleted again without explanation. Loan Care has claimed they paid our home insurance on XX/XX/XXXX and took the funds out of our escrow account. However, they are not being honest. I received this email from LoanCare on XX/XX/XXXX : Your loan number is XXXX.

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance Please go to XXXX for further detail, or submit any inquiries via the Contact Us page. To unsubscribe from this email, please go to the Update Notifications page under the My Profile menu of the website, or email XXXX to be removed. 

If you have any questions about your account or need assistance, please email us at XXXX. 

NMLS # XXXX *****So I emailed XXXX saying this : XX/XX/XXXX You had sent me this email on XX/XX/XXXX : Your loan number is XXXX. 

The following disbursement was made out of your escrow account on the above referenced loan : Disbursement Date : XX/XX/XXXX Disbursement Amount : ( {$480.00} ) Disbursement Description : Hazard / Homeowner Insurance NMLS # XXXX However, I have been in contact with our home insurance provider since XXXX and asked them to notify me when they get paid. I received this email today - they did NOT receive payment. ( last year we were lied to 3 times about paying our home insurance ) Not only did we receive this email but a letter came from XXXX XXXX. saying they did not receive payment. PLEASE PAY THEM TODAY. Here is the email I received : Hello, Your policy renews on XX/XX/XXXX. It may be early, however, I am following up with you. 

Please call the mortgage company to verify they are sending payment for the policy. 

Thank you for your business and have a great day! 

XXXX XXXX Multi-product Agent Associate XXXX XXXX XXXX Fax : XXXX XXXX ONCE I EMAILED XXXX THIS IS WHAT WAS SENT BACK TO ME : Thank you for contacting us! 

This email address is no longer being monitored. 

If you are a customer, please log into our website and submit your request using the self-service options. ( WHICH ALSO DO NOT WORK!!!!! ) *****Their emails do not work, there is no area on their website to get help and they hang up when you call. It is set up so you can not resolve issues. PLEASE PLEASE PLEASE shut them down. HORRIBLE mortgage crooks.

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 2020-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I went to jail XX/XX/2017 while inconserated I wrote them and call to make payment I was behind only 2 months by time I got in touch with them they failed to except payment said they can't take payments after 3months but it was only 2months then forced me in to modify my loan which wasn't my fault it went from over XXXX XXXX to XXXX I sold house and they say I still owe I don't understand how nor did I plus I was paying them up until I sold and they cashed a check that they received

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/2019, I reported to JPMorganChase that one accounts had been fraudulently opened in my name on XX/XX/2019. JPMorganChase instructed me to complete an affidavit, file a police report, and inform a major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by JPMorganChase that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from JPMorganChase that I owe them. Chase is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Goldman Sachs Bank, doing business as " Marcus by Goldman Sachs, '' denies me access to the {$15000.00} I deposited into my new certificate of deposit. I opened this CD on XX/XX/2020. The next day, I endorsed and mailed a {$15000.00} check to the Illinois mailing address specified in the Account Agreement. That check CLEARED on XX/XX/2020. When the funds had not showed up my new CD by XX/XX/2020, I contacted Goldman Sachs Bank. It denied having received the check. I continued to contact Goldman Sachs Bank over the past 2 weeks, but it still denies having received the check and still has not credited my account. The cleared check demonstrates Goldman Sachs Bank has misappropriated my funds.

Company response to consumer: Closed with explanation