vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-27 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: FL

Complaint narrative:
On XX/XX/2019 my Citi Bank credit card was charged {$420.00} by a merchant known as XXXX XXXX and XXXX. I called this merchant to perform a check of my air conditioning system at a rental property owned by me. I was not contacted by any representative of the company ( other than a text notification telling me the service provider was on his way ) until after they had unilaterally decided to perform a $ XXXX+ dollar refrigerant refill on my unit, at which time they demanded payment and charged my card. This may have been fine, however, the unit neither had a problem with refrigerant levels nor was fixed by their service provider. I engaged a second tech at this company who came out to service my unit, when guests alerted me nothing had been fixed, who subsequently told me upon arrival that I needed a new compressor and that the issue was not with the refrigerant at all. Keep in mind these two techs worked for the same company and gave me completely different explanations of my problem, neither one fixing it. I was informed it would be a {$2000.00} fix. At this point in time I contacted a new provider, XXXX  XXXX  and XXXX, whom immediately came out to service the unit, informing me the problem was what is known as a filter dryer, and fixed it the next day at less than half the cost that was quoted by XXXX XXXX XXXX who by the way would have replaced the compressor and not addressed the problem at all ). The tech from the second service provider also informed me that my AC filter was missing and had been taken by the previous technician. I have documentation to support all of this. I believe the initial service provider, XXXX XXXX, was taking advantage of me as consumer with little knowledge of AC systems, fixing things that didnt not need to be fixed and charging me exorbitant amounts of money to do so, all while not even getting the AC system to work properly. They refuse to address my claim with them and Citi Bank has now reversed the dispute in the merchants favor with no ability for me to counter. I need help resolving 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 2019-07-27 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I applied for a credit card ; somewhere during the process they change my last name to the city I reside in and issued credit using my SSN information under a name that is in no way tied tied to my SSN # ; this is concerning that anyone could have opened Credit in any name Using my SSN # ; They refuse to look at the process and make any corrections. Without me now sending Legal Documentation of Who I am ; I have no problem doing this, but they Company needs to be held responsible in issue Credit in Fake name. Also Concerning they are unable or unwilling to check their computer data base to see who or why the change was made by their own Employee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NV

Complaint narrative:
I am not responsible for paying the accounts..I do not owe this debt nor the accounts UNKNOWN XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX.. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
The account in collection was paid in full and stills showing as collection in my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Amos Financial LLC
State: NY

Complaint narrative:
On XXXX / XXXX I occupy XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) through Adverse Possession from XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I filed ( Index # XXXX ) for Adverse possession at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX Contact Holding purchase the building ( XXXX XXXX XXXX XXXX ) from Ms. XXXX. During the closing the mortgage indicated it was null. The title company is XXXX XXXX XXXX XXXX. 

Ms. XXXX has large family which members intimidate me to move from XXXX XXXX XXXX On XX/XX/XXXX I filed a complaint with XXXX Dept. of Finance and on-line 311 Complaint form. On XX/XX/XXXX I filed a complaint with XXXX Sheriff Dept. ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) During the bill of sale of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( last known address : XXXX XXXX XXXX, XXXX XXXX XXXX was never on sale document. 

On XXXX XXXX, XXXX Mr. XXXX XXXX XXXX went to XXXX XXXX Supreme Court stating he was the owner from XXXX and after XXXX XXXX XXXX purchase XXXX XXXX XXXX in XXXX that they were co-owner for a non-existing mortgage. 

As a result there is a foreclosure Auctions schedule foe XX/XX/XXXX at XXXX at XXXX XXXX XXXX, Rm XXXX, XXXX XXXX ( XXXX # XXXX ). 

Attorney XXXX XXXX XXXX XXXX, have a different office address listed. On court documents it stated her office is located at XXXX XXXX XXXX XXXX fl. But on internet it shows her office is located at XXXX XXXX New Jersey ( XXXX ). Mr. XXXX XXXX XXXX XXXX referee also sell property on Realtyhop and is familiar with XXXX area where Mr. XXXX XXXX XXXX lives for years. 

The property allegedly has several banks. The first was XXXX XXXX  which went out of business XXXX, FDIC ( XXXX ) is listed but their nature of business is saving and checking, and Amos  Financial LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX. 

Attorney XXXX XXXX XXXX which specialized in Family law and Social Security Disabilities claims called me from Nevada ( XXXX ) stating she was never Mr. XXXX XXXX XXXX lawyer but court document on XX/XX/XXXX Index # XXXX never show XXXX XXXX or Contact Holding as Defendant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
We accepted an offer on the purchase of our current home on XX/XX/XXXX. We were told the buyers were approved for the agreed purchase amount through a USDA backed program. A settlement date on or before XX/XX/XXXX was targeted and agreed upon by all parties. On XXXX we were told appraisal came back at contracted price with no repairs & file from the lender was being sent to USDA that day. We were told to be prepared to be out of house & close XX/XX/XXXX. We rented a storage unit & spent holiday weekend moving out. We purchased & scheduling deliveries for appliances & furniture for new home. On XX/XX/XXXX we were told there had a been incorrect information. Paperwork NOT filed with USDA. Told buyer had a XXXX and was slow to turn in required documentation. Settlement postponed to unknown time. We spent a lot of time and more money postponing/rescheduling deliveries and rescheduling deactivation of services at current residence and new services at new residence. We had to extend rental agreements for storage. We required daily updates from buyers team in extension contract. Updates were not received as agreed- vague and late. Our realtor reported having to request multiple times some days to get update. We couldn't get a clear date/time, plan, or explanation about what problems were. suspicious there was something more than USDA back log. Our extension expired XX/XX/XXXX. Were told conflicting information about USDA processing time but to plan for closing sometime week of XX/XX/XXXX. We were told it was rare for USDA to not approve a file. We were encouraged to move out again and also arrange for utilities, mail, appliance delivery etc at both residencies. On XX/XX/XXXX at XXXX, we were informed the USDA did NOT approve the application and that more documentation was required by buyers. Believe there is risk that this couple is not qualified. Spent XX/XX/XXXX and XX/XX/XXXX moving back in and once again, establishing/canceling services, delivers etc. spent hours on the phone with utility and post companies. Had to reschedule XXXX year old sons birthday celebration and spend time at home waiting on XXXX to fix re-connection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
I repeatedly asked them to stop calling me between XXXX as I am at work. They called multiple times a week during my work hours. When I repeatedly said I can not talk during work, they said that would result in being turned over to an attorney for legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 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: NV

Complaint narrative:
I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
All in all, my bank credit services from The Bank of America ( BoA ) have been less than satisfactory. It would be beneficial if inclined service fees were voided and interest was off set with monthly payments. I wasn't even extended a grace period during my time of unemployment even though I reported it to their organization. Although my scheduled payments aren't much, they are barely making a difference in my credit balance. My credit score has improved a little but I don't see traditional progress with the effort that I am extending. My statements for this year ( 2019 ) don't begin until this month although I have made payments of about {$100.00} XXXX in the months of XXXX and XXXX. My most recent payment of {$160.00} XXXX barely made an impact because of service fees and fluctuating interest variables. BoA threatened to terminate my account services if I didn't take action. If their financial specialists could consider more debt forgiveness that would be amazing, have a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: NV

Complaint narrative:
I am not responsible for paying the accounts..I do not owe this debt nor the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, .. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
I paid a medical bill on XX/XX/2019, but have been contacted at least 3 times by Receivables Management Partners , LLC attempting to collect payment. I have informed them that it was paid, but their response was to mail me a photocopy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: OH

Complaint narrative:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But Experian, XXXX XXXX, and XXXX all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX we built our home at XXXX XXXX XXXX XXXX XXXX NC XXXX. The Bank required us to obtain a Flood Elevation Certificate which stated we were in Flood Zone XXXX and we had to purchase flood insurance in the amount of {$390.00} paid at closing. In XXXX we received a letter from XXXX  XXXX XXXX stating that the Flood Maps had been re-evaluated and we were no longer required to  hold a Flood Policy on our property. They were not foreplaced by the Bank. I contacted my agent at the time with XXXX XXXX. Our flood policy was not renewed and expired at XXXX A.M on XX/XX/XXXX. In XXXX we refinanced our XXXX mortgage and obtained XXXX Appraisals to accommodate the XXXX mortgage. Both appraisals indicated the home was located in Flood Zone X and included a XXXX Map dated XXXX but had different Flood Map numbers while the home was actually in Flood zone AE formerly XXXX. XX/XX/XXXX, Hurricane Florence flooded our home up to the roof. The home remained under water for about a week due to the waters receding slowly. Damage to the home is in excess of {$150.00}. 
Wells Fargo will no longer work with us on a forbearance. 
Attached is all the supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: OH

Complaint narrative:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, Trans Union, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 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: OH

Complaint narrative:
Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I had XXXX on XX/XX/2018 and it took a year for the claim to be paid. Somehow this went to Capital Accounts LLC. They have continually lied to me falsely reporting to my credit report to include made up numbers. Spoke with Original Creditor and they emailed me stating they told the account representative at Capital Accounts, XXXX XXXX, to remove this account from collections. They still refuse to stating now I owe a different amount now. Will pursue a lawsuit next if this doesnt get fixed within two weeks. This is absurd!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
The mortgage is solely in my deceased husbands name. We are selling the house and title company has submitted all forms per state of Tennessee estate sale law. All heirs have signed and agreed to terms. 
Forms were sent on XX/XX/XXXX. Freedom mortgage continues to demand additional forms and deny having already received. They will not allow me, who is authorized to discuss account, or the title company to speak to a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I refinanced my loan back in XXXX, I thought the refinanced paid off my 2nd mortgage so I did not pay it. Once I found out I owed for this mortgage almost 10 years later, I discovered the tenants ( family members ) staying in my home were not paying the mortgage. I hired the law firm to help me avoid foreclosure in XXXX, they attempted to encourage Chase to use the title company who erred in the title search to get the money for the second mortgage but Chase would not. I tried to get a modification of the loan in XX/XX/XXXX, Chase ignored it. I tried to sell the home and at the last moment the 2nd mortgage company found out they were first and Chase backed out of the sell ( the price was  {$120000.00} ) because they were no longer first and would not collect all that was owed to them. The Law office tried to get the 2nd mortgage company to forgive the 2nd mortgage but they stated they did not like how Chase treated them so they would not sign off on the loan. Then Chase offered a modification that started XX/XX/XXXX was finalized in XXXX XXXX the amount I owed to Chase went from {$98000.00} to {$140000.00} with my loan stretched out to 40 years vs 30 years. I agreed to avoid loosing my home. All taxes and fees were included with this modification. In XX/XX/XXXX Chase did an Escrow analysis that resulted in an increase of my monthly payment from {$1100.00} per month, in XXXX of XXXX another Escrow analysis resulted in a payment of over {$1300.00} and in XX/XX/XXXX another Escrow analysis raised my payment to over {$2200.00}. I did call Chase and they offered another modification but I would have to start over in the process and do this all over again. The new payments starts in XXXX and I am just uncertain if it can be done. 

I signed a modification and I have paying faithfully. I can not afford {$2200.00} in loan payments and they could not explain to me why. I called and was told that I had a {$45000.00} overage. But according to the modification, it was supposed to include all of this. Chase erred with my refinance in XXXX, would not sue the title company in charge of the search to make amends for the error and now is trying to place the burden on me.

Company response to consumer: Closed with explanation