vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: AE

Complaint narrative:
I tried to open an account at Navy Federal ( NF ) l. The supervisor rejected my application and stated " my whole business " is not supported at NF. I asked for a where it stated that NF doesn't support consulting businesses and she said it wasn't stated anywhere. I asked for this statement in writing as described by law and she denied that. 

She then went ahead to state that I had indicated that I " offered credit repair services '' which I never said ( A recording on the call should be produced for evidence ) My website said " We 'ensure ' credit repair, optimization and strategy to set up your business up for massive funding possibilities ''. Ensure means, we make sure and provide a review of your financial package ; not provide a credit repair service. The website clearly states " Consulting Services ''. This is a classic case of a " supervisor '' who made a mistake and instead of rectifying the issue when she incorrectly stated I provide credit repair services despite my website starting otherwise, stuck to her guns. I have attached my statement for identification of my account. 

Below is the website : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed.

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 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH COLLINS ASSET GROUP. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
A citizens one account that I never opened or have access to appeared in my credit report for an amount owed of {$5800.00}. I've contacted the citizens one company and provided them with my social and they keep saying there isn't an account opened with that social, yet that account and amount appears in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
My home was damaged due to Hurricane Ida. I am currently displaced in Texas. Carrington placed me on forbearance from XX/XX/2021 to XX/XX/2021. Per my desk adjuster, the repairs will take at least 8 mths. I would like to apply for HAF. I have called many times and still no answer. Only Robotic ... press 1,2,4,5 etc ... How can I apply?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Earlier this year, after being an HSBC Premiere customer for 13 yrs, I opted to close all my business and personal accounts and move to XXXX. I personally went into the HSBC brancXXXX on XXXX XXXX in XXXX XXXX, FL where the teller closed all the accounts, issued a bank check for the funds and assured me there was nothing more that needed to done from my end. 
A few weeks later, the bank manager XXXX  contacts me to let me know there are outstanding balances on the accounts that are accruing fees. I tell him its not possible as the accounts were closed. He shows me that they had in fact remained open. We proceed to close them again along with Credit Card account. 
XX/XX/2021 -Found out my HSBC Premier Credit Card had not been closed as instructed and was accruing fees. 
-Called HSBC Premier spoke, went through issues that had kept the account open without my knowledge, resolved the outstanding balances, brought the account to zero balance, and was assured the account was closed and that there was nothing further needed on my end. 
-Account Closure CONFIRMATION in notes attached ( Call was recorded ) XX/XX/2021 -I was in the process of refinancing 2 properties. Mortgage agent called to say my credit score had dropped due to a delinquent HSBC amount. I told him it wasnt possible as the account had been closed more than 2 months ago. 
Mortgage agent said a simple letter from the HSBC Bank Manager stating the error would suffice, and that he could send it to the Credit Bureau to rectify. 

Detailed Notes of Daily Records Attached XXXX2021 After numerous calls to HSBC in an attempt to resolve the erroneous delinquency reported to the Credit Bureaus , my credit score has dropped from XXXX to XXXX. This has resulted in the mortgage company no longer able to refinance my 2 properties as the credit score is too low, which is now significantly impacting my business and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: PA

Complaint narrative:
About complaint XXXX. I never made the payment I say and the payment is unauthorized and here is my cash app dispute chat number is XXXX and y'all read the wrong chat history didn't read the right chat and y'all also closed my account for no reason when I kept complainting to y'all about my dispute and I also want my account to be reopen and my dispute filled and also credit my money back to my cash app account here is my dispute information again 1. What is your legal name, $ XXXX, and email address and/or phone number linked to the account associated with the 'unauthorized ' activity? XXXX XXXX XXXX $ XXXX 2. What are the dates/times and amounts for the transactions that you believe are in error? XXXX $ XXXX  {$28.00} 3. Why do you believe the transactions were unauthorized? This is the three time I have a unauthorized payment sent to the same user I never sent it to her or don't know her 4. Were you instructed to download any other apps other than Cash App to access the account in question? No 5. What is the make and model of the device ( s ) you were logged into when the transactions took place? XXXX 6. Which city & state were you located in when the unauthorized transactions took place? XXXX Pennsylvania 7. Did you forward or provide any account access information to a third party? No 8. Do you have a PIN set up to authorize payments? If so, did you share your PIN with anyone? No 9. Do you have possession of your device, if not, when did you last have possession of your device? I didn't have possession of my device when I was sleeping before I want to bed I did someone probably guessed my cash app pin who I don't know and changed my pin but I changed the pin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My credit report shows an inquiry because you guys put it on my credit report without my consent. I need these item removed. I have already made a police report that follows this. I did not approve, sign or authorize this.

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 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Received a bill from Penny Mac with a {$15.00} fee attached to it. Tried to call on XXXX2021 and held for 14 minutes. No one came to the phone. Sent a secure message from the website on XXXX2021 at XXXX XXXX  with a print out showing I have been 15 days earlier than the due date on each payment and asking why this fee has been charged. Still no response. Tried calling back today at XXXX and held for 15 minutes with no customer service agent coming to the phone. Looking for an answer. No payment has been past the due date. Not even a day. Communication is poor. Sorry I have to go to this measure to get a question answered...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was using my venmo account like normal and verified my social and id i received money from a friend of mine and when i tried sending it to my bank it didnt let me. i contacted support and they said my account is closed and i have to wait 189 days to take it out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I am a XXXX XXXX XXXX Veteran that received a {$410000.00} VA mortgage loan from Dovenmuehle in XX/XX/XXXX. Actually I have make my payments and ought {$380000.00} On XX/XX/XXXX the XXXX XXXX County gave me a 100 % Real Property Tax exemption for my property and on an annual basis I submitted the exemptions document to the mortgage company. 

This year I submitted the document on XX/XX/XXXX ( There is a letter dated XX/XX/XXXX from the company stating that they received it on that date ( XXXX XXXX ) and here is included ). 

On XX/XX/XXXX they sent me a letter stating that they ran an escrow analysis on XX/XX/XXXX, raised my monthly payment and stating they paid the Real Property Taxes to the XXXX XXXX County. I spoke with a supervisor that mentioned they received the documents and paid the taxes by mistake. That Dovenmuehle going to request a reimbursement to the XXXX XXXX County. 

Today I received another email threaten me that they will hold the payment they received on XX/XX/XXXX until I submit a payment that included the Real Property Taxes they paid in error. They threaten me to charge me late fees and possible damage my credit at the credit bureau. 

The mortgage company received the exemption documents on time before they did the escrow analysis. They received the document ( Tax exemption ) by XX/XX/XXXX and the Escrow analysis on XX/XX/XXXX. Back on XX/XX/XXXX I Have a similar issue and they collected my payment and maintained them well belong the PWC Real Property Tax notice. 

This is an scam to get my money and them claim the XXXX  and have the money for a long time like they did on XXXX ( CFPB Claim XXXX ). 

I need that the mortgage company fix the escrow and stop charging me ( Disable Veteran with XXXX XXXX ) for an error that one of their employee did. 

I want they fix my monthly payment to the correct amount immediately and stop harassing me. 

Please find here attach all necessary documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
My monthly statement charged me a late fee for not paying bill Before XXXX XXXX but payment was made on due date of XX/XX/1921 Don't no exact time but was on that date They say that they have excused late charges before, I brought this problem to their attention several weeks ago, they they would call and let me know if they would take off excessive charges but never got a call.call again today and let them know. 
I've been with them for 20 years or more.I think with the world in a uproar be with this pandemic they Are being heartless and non empathetic especially to senior Citizens and the man supervisor I talked to XX/XX/21 @ XXXX XXXX Wasn't friendly at all. Shouldn't be a exact time as long as paid on due date

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 2021-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
So it starts with XXXX, I was on there and I saw this newspaper that I thought I really liked and signed up for it for like a month, through XXXX. But I dont have access to that XXXX account. So the newspaper keeps charging me every month now for several months, that I cant turn off because I cant access XXXX to turn it off and Ive tried logging in and Ive tried contacting the company directly and Ive even talked to cash app support about the charges on my account to have them refunded or remove and they are unable to help me because even if I change the debit card number that I used when I signed up the company can still force the subscription payment, via cash app support. But I have no way to turn off that subscription or supposed subscription from The XXXX. I have no access to that XXXX account either. I tried going through normal channels and I dont like to make complaints unnecessarily but this is a messed up situation and seeing as how the company can force a charge on an account they dont have a debit card number for seems ridiculous. I feel that Im being taken advantage of as a member of our society that is not necessarily the most advantaged. This is not my first problem Ive had with cash app overall Ive had a payment of {$750.00} Go away in cash app support has no phone number so I can call them and waiting on them to respond by email to days in weeks and eventually I lost track of it because I had stress in my life to deal with. They then closed that account altogether so I couldnt access that money ever again apparently. Cash app uses poverty as a means to take advantage of people. Youre not the only ones of course. But they are a major player in the finance game, FDIC insured or not, they need to be regulated. And as far as I can tell they are not near as regulated as they should be. It is just one of the things that needs to change to make the world a better place and give people a shot at a decent life. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed XX/XX/XXXX of 2021 in an attempt to purchase an item online. I was told to use Zelle with my bank account to the tune of {$1700.00}. Once i sent the money the individual told me that he was unable to send the item that day. the next day he told me that i owed additional money to which i requested my money back. He declined and i reported it to my bank and they declined to refund me since Zelle is for transactions between people you know. I contacted Zelle who denied they had any information to give and told me i would need a search warrant for any further information. I reported it to the police and they opened up an investigation and i have not heard back after i requested a search warrant for the information needed to file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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:
In the context of the COVID-19 situation, on Friday XX/XX/XXXX, XXXX XXXX cancelled my flight ticket to XXXX, XXXX. I bought my ticket via Citi Bank 's travel rewards program using a combination of credit and travel rewards points. For the past 1.5 years Citi and XXXX XXXX refused to refund my tickets that they cancelled. However, on XX/XX/XXXX, XXXX XXXX issued a statement that they would refund these cancelled tickets. If bought through a travel agent ( in my case Citi travel rewards ) I was informed to speak with Citi travel. I called Citi and they stated I should receive my refund within 2 months. They additionally sent me an email on XX/XX/XXXX stating my " Trip Id : XXXX is now eligible for a full refund. '' Since then I have called Citi travel and have repeatedly been hung up on, transferred and placed on indefinite hold over and over again. They have not issued my refund and refuse to provide an answer on why I am not receiving my refund.

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 2021-10-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I alerted Chase bank that I discovered fraudulent charges made on my business credit card in a different state throughout the entire month of XX/XX/2021. The charges amount to approximately {$22000.00}. I have called over a dozen times and have sent over 10 messages to Chase through my online account. Chase Bank has not resolved my issue. I provided supporting documentation by way of credit card statements that demonstrates I was in my home state of Texas while the charges were being made at the same time in the state of Florida. There is only one physical credit card, and I had it in my possession the entire time and never received an alert from Chase. Since reporting the fraud, I have not been able to speak to an investigator and they refuse to credit back the fraudulent charges. No one has called to explain why they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 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: CA

Complaint narrative:
I noticed that TransUnion is reporting two inaccurate negative items in my account on XXXX  XXXX XXXX, one inaccurate negative on XXXX, and one inaccurate negative on XXXX  XXXX. The four negative accounts are showing that I have a chargeoff account that has a balance on it. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on 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 2021-10-19 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:
I SAW NOT MY ACCOUNT WHICH YOU POSTED ON MY CREDIT, I DON'T KNOW WHERE DID YOU GET THIS ACCOUNT FROM. I HAVE NEVER DEAL WITH THIS COMPANY. MY WALLET WAS STOLEN, SO I THINK SOMEONE USED MU INFORMATION AND APPLIED FOR IT.

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