vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
After trying on numerous occasions to resolve this complaint directly with Citibank, and being sent hither and yon without resolution, I initially filed a CFPB complaint ( see attached ) on XX/XX/XXXX regarding a promotion that Citi was offering in XX/XX/XXXX for XXXX American Airline Frequent Flyer miles if you opened a checking account with them and met certain conditions ( in the first two-months after the card was issued you were required to purchase {$1000.00} of goods or services using the Citibank Debit or ATM Card. And that within two months of the account being opened, you had one or more recurring charges to the account ). 

The promotional material that was sent to me was incorrect and misleading in terms of the nature of the recurring payments that qualified ( see attached initial promotional material ). 

In response to my complaint, Citibank does not acknowledge the incorrect promotional material. But rather refers to promotional material for a period ( XX/XX/XXXX - XX/XX/XXXX ) that postdates both my application and the promotion that I was applying for. Clearly, the promotional material had been corrected after my application had been submitted and accepted. 

I can understand that the initial misleading and incorrect information on the promotional material that I was supplied might have been incompetence, rather than by design. 

But clearly at this point, rather than acknowledging their mistake and rectifying it, Citibank has not only decided to stonewall, but astonishingly refers to a promotion and documents for a period after my application. The dates of my application, and the promotional material that I was supplied, are clearly dated for XXXX, with the offer expiring on XX/XX/XXXX. How is it possible that Citibank references a promotion that started XX/XX/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 2021-04-02 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$1500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The accounts date of last activity was in 2014, well over the time allowed to report a negative item. This account needs to be completely removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting is seriously harming my credit. I have contacted the bureaus multiple times to remove these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I applied for a refinance of my mortgage with the same company that was holding my current mortgage, Rocket Mortgage. Six days after the closing the loan ( well past my 72 hours to recend the refinance ) Rocket discovered additional costs that they felt need to be added to my payoff. I received a phone call after three in the afternoon and was told I had a few hours to pay the additional cost or my existing loan wound not be paid off. The additional costs amounted to just under {$1200.00}. 

Appearantly I had 72 hours after closing to terminate the refinance but the mortagee had an indeffinate time to cancel the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a formal complaint against Capital One located in XXXX, Virginia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. 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 Professional 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 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was taken advantage of due to malpractice of several laws being broken under FCRA by your company. This has caused financial injuries on my credit report. It has also caused me defamation of character. I am unable to get a job, get approved by credit card companies, or buy a house. Under this crisis you have hurt my ability to obtain credit.

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 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank will not stop unauthorized payments from my account without charging me a {$30.00} fee. Phone call XX/XX/2021, XXXX XXXX ET ( no way to process these requests without using telephone ). Per Chase, theres no way to waive the fee even though I did not authorize the withdrawals I am trying to stop. Transferred three times, then put on hold for indefinite time when I asked if I could just dispute the payment - on hold for 46 minutes before I hung up ( see screenshot ). Per Chase, fee is for the privilege of stopping a payment. But wouldnt it be it a consumers right to direct its bank to not permit unauthorized payments from the his/her account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with 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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: WV

Complaint narrative:
AmeriHome has a mortgage under my name in their online system that is not mine. I am not the homeowner. I do not live at the address. I am getting emails about this loan and I cant get the company to remove the loan from my profile online. Please help me as I have no loan with this company. My loan was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have an ON-GOING, OPEN dispute against a Merchant ( XXXX XXXX XXXX XXXX ). I was told by my credit card company, that while the dispute is in 'Open '' status, there will NOT be any interest or late fees acrued, yet, every time, I get a bill, I see, Late fees and interest charges added to my bill. I have tried repeatedly to call them and explain the situation, but they refuse to listen and remove the fees/interest charges. I have excellent credit, and do NOT wish my credit ruined. Please call me at XXXX. I'm ready to cancel this card, but I do NOT want to pay these ridiculous late fees and interest charges. 

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Problem concerns a new card which was used for the first time today, XX/XX/2021. I received a text from Citi concerning possible fraud on the card. I responded initially and needed to get some information from my wife to see if charge was legitimate which it was. I called back a second time to release the hold from the card and was unable to do so. I requested to have the card terminated and was told I could not do so. I would appreciate some help in doing so.

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
We requested and received forbearance of 6 months on our mortgage beginning in XXXX. We were informed that our forbearance would end as of XX/XX/2021. In the interim we sought refinancing through another mortgage company and were informed that they would not consider our application until our mortgage with Mr. Cooper was current. We then contacted Mr. Cooper and requested the amount necessary to bring the account current. We paid that amount ( approximately {$19000.00} XXXX the next day. I specifically asked that we be provided with this information in writing and the representative declined to do so ; indicating that there would be a record of the conversation. We then made the regular mortgage payment that was to be due PRIOR to XX/XX/2021. Since then we have received numerous texts and emails indicating that we are behind in our mortgage. We were informed that we somehow missed two payments ( that would have been due during the forbearance period ) and we are gravely concerned with what may happen to our credit. We have had ongoing problems with this company that have not been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I was charged {$790.00} for my mortgage payment instead of the usual {$620.00} with NO notification whether by email or mail. 
XXXX bill shows {$1200.00} due. Website shows the amount due is {$1500.00}. Which is which? 
Customer service advised an escrow analysis had been performed. I was NOT notified. 
Result is a shortage in my escrow. I was NOT notified, nor given an opportunity to repay it. I was just charged with NO notice of any changes to the payment. 
No escrow documents available on website since XX/XX/2020. Rep Informed the website down for 2.5 weeks! NO updates are showing up. 
I am unable to pay escrow shortage of {$1900.00} as it doesn't show anywhere on the website. 
Rep advised that the escrow '' cushion '' formula had been affected by the increase and causing an additional amount being due for the cushion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. 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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I have been trying to communicate with them about my property taxes not having been paid with my escrow money and they then sent me a notification that the bill had been paid and it still has not been paid according to the county website 3 months after the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VanKeef Financial LLC
State: TX

Complaint narrative:
My wife and I started our home refinance on XX/XX/XXXX with VanKeef Financial. I was told by XXXX XXXX himself the refinance would be 45 days. It is now XX/XX/XXXX and there is no end in sight. The only requirement is for us to pay for another appraisal update due to Texas ' Disaster Declaration which we do not feel comfortable or fair that we have to pay since this should've been done long before XXXXXX/XX/XXXX snowstorm. All documents requested were submitted in a timely manner. We were only getting a response from VanKeef only when I email to ask for an update and each response came back with " We are working on the underwriting approval '' and sometimes no response. Calling them I do not get to speak with my Loan Officer or processor and does not get a call back. We have one primary home and one investment home that's paid off. None of our bills are behind and we have more than sufficient income to cover our expenses. There shouldn't be any reason this hasn't closed. At this point we feel like they are scamming us and just dragging their feet since they can no longer deliver the 2.25 % 15 year interest rate that we locked in at due to the market shift.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have submitted several letters about unauthorized inquiries into my credit report and Transunion refuse to 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 2021-04-02 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: CA

Complaint narrative:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have been using PayPal for years, making purchases on XXXX and others. I made my first sale on XXXX and the funds were sent to PayPal on XXXX from a sale. I now have a balance sitting in my account for {$96.00}. I can't seem to set up a way to have it transferred out of the PayPal account to my credit card that is linked to the account, nothing can be set up on their website because it just doesn't work right. I gave up on waiting for hours on the phone and trying everything that customer service told me to do, so I clicked on the radio button that said just send me a check. That doesn't work either. First customer service told me my address wasn't verified, then they told me I had to link a bank or checking account in order for them to mail me a check. I don't want to link my banking information with them, I just want MY money minus the fee that they charge to mail out the check. Aren't they wrong keeping my money? Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX for no apparent reason and while all payments were being made from XX/XX/XXXX to XX/XX/XXXX timely and according to the terms and condition of my mortgage agreement to pay the lender {$1200.00}. On XXXX XXXX I had receive an alarming letter from LoanCare offering an immature foreclosure options suggesting homeowner assistance to a repayment plan in which I was not behind on my mortgage for the lender to make the following suggestion ; next the lender then offer me a loan modification when there was no need for a loan modification considering the fact, before covid-19 I was current. In addition to those two option they also, included short sale and settlements as an attempt to collect a debt. I find sending me a debt collection letter as in attempt to collect I debt that I do not owe to be professionally negligent in their duty in handling my mortgage account with the upmost care and attempt to be unjustly enriched when I made 13 payment from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX the account was current and the beginning of escrow balance was {$540.00}. Since XXXX the lender has : ( 1 ) Charged {$4100.00} in Attorney Advance Distribution fees ; ( 2 ) Due to Covid-19 the 14 months of non-payments amount due to LoanCare is XXXX without late fees ; Here, LoanCare has charged to my account {$25000.00} which included changing the term of the mortgage payment from {$1200.00} to {$1300.00} including additional {$7800.00} for attorney fees ; ( 3 ) Violation of FHA Annual Reduce Premium and non-attorney fees are not allowed on a non-foreclosure proceeding. I have contacted the company during by phone on XX/XX/XXXX  regarding the attorney fees being reversed and my account being corrected to show the true amount owed and I have yet to here from the lender regarding this matter.

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 2021-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
We spoke with PennyMac in XX/XX/XXXX to let them know we were interested in refinancing our mortgage loan. PennyMac scheduled an appointment for us to close on XX/XX/XXXX. However, the notary never showed up, but called us to let us know that PennyMac never forwarded them the necessary documents. We contacted XXXX XXXX XXXX XXXX tge PennyMac loan officer to let him know. He rescheduled a new closing date to XX/XX/XXXX. We signed all of the necessary documents on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, the called us to confirm that all was good. On XX/XX/XXXX, XXXX XXXX contacted us to let us know we needed a new payoff letter thru XXXX from XXXX XXXX XXXX XXXX and that we needed to sign new documents. He scheduled a new closing date to XX/XX/XXXX. Here it is XX/XX/XXXX and no notary showed up and no phone call from XXXX XXXX. We called XXXX XXXX again, but he has no answer for us as to why the notary did not show or why they dropped the ball on us again. We also contacted PennyMac 's 800 number on XX/XX/XXXX, but no one seems to be able to provide any answers for us nor want to resolve the issue we keep having.

Company response to consumer: Closed with explanation