vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Credit card or prepaid card — Store credit 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: KS

Complaint narrative:
1 : On XXXX XX/XX/XXXX I signed a contract with XXXX XXXX through The Home Depot to replace my Air Conditioner for {$4700.00} with 2 years no interest. 
But on XX/XX/XXXX the home depot consumer credit card charged me all at once instead of spreading on 24 months. [ Refer to A-4 ] Then my bank account bounced costing me :  Several hundreds of dollars in NSF charges, cashiers check and lost wedge from work. [ Table part 2, attachment B ] Then I filed complaint to XXXX on XX/XX/XXXX ; The Home Depot must refund me the money I lost and take responsibility for any future financial charges associated with this case. 
And case closed without any agreement on XX/XX/XXXX. [ Downloaded complaint ] The Home Depot refer the problem to Citibank and the Citibank answered the auto pay system caused it. So, they blame me ( their victim instead ) not to have fixed the problem. Despite my contact with their customer services at least twice to address my concern and sought help. 
As I investigated later ; I found out the same thing happened in XXXX promotional purchase of a refrigerator for {$1300.00}. 
I was continuously charged deferred interest for more than 3 months after full payment. [ C-1 to 6 ] 2 : The agreement with XXXX XXXX through The Home Depot and the letter from The Citibank specifies no interest if paid within 24 months. 
But why should I have to pay, the so called deferred interest? [ Table, B1, C1 ] I found this a lie and deception. 
Why didnt The Home Depot Credit Card personnel mention earlier or help me, as I contacted them at least twice to express my concerns ; after I saw the posted balance notice [ A-1 ; onXX/XX/XXXX & XX/XX/XXXX ; A-4 to 6 ]. 
What they later said the autopayment has caused that, and blaming me? 
3 : My checking account bounced costing me money, time and daily life routine disruption.

4 : The Home Depot and Its consumer credit card handler The Citibank of South Dakota. 
5 : Customer Service PersonneXXXX ; XXXX in XXXX KS store, XXXX XXXX XXXX from XXXX 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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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 2019-09-17 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: FL

Complaint narrative:
Cardholder alleges that : - Upon check-in at XXXX XXXX XXXX XXXX on XX/XX/2019, he was asked to prepay for his two-night reservation in advance, which he did - Upon receiving his room, he immediately complained about noise due to thin walls, cold room, and overall substandard quality for a winter hotel branding itself as a 5-star property - Upon receiving a replacement room, he suffered a cold night in the middle of XXXX in a barely heated space on the night of XX/XX/2019 - Problems persisted on XX/XX/2019 culminating with water shutoff to the top floors due to insufficient water pressure, causing cardholder to leave the premises on XX/XX/XXXX, and stay at an alternative hotel on the XX/XX/2019 ( receipt attached ) - XXXX XXXX XXXX XXXX lied about cardholder staying two nights, despite alternative hotel receipt, and camera footage from reception desk proving leaving the property - All of the above information has been furnished to Chase - Cardholder has since tried to remedy by contacting the XXXX XXXX XXXX XXXX for resolution - In response to the Consumer complaint, hotel has acknowledged its deficiencies and provided as a goodwill gesture a voucher for two nights with restrictions the voucher has been declined with letter attached, and full refund requested again - All documentary evidence is attached to this claim ( receipt for alternative accommodation for the night of XX/XX/XXXX, copies of voucher offered by hotel and since declined, grievance correspondence with the XXXX XXXX XXXX XXXX, photos of dry faucets during mid-winter water shutoff, and original hotel receipt ) - Chases performance on the claim was inconsistent and marred by multiple agents asking for repetitive information and providing conflicting advice - Chase has failed to adequately contact the vendor for resolution, and only accepted the vendor receipt as evidence, while declining to accept pictures showing water was turned off ( hotel does not deny water shutoff ) - Chase decisioned the claim with prejudice in an effort to hastily put a closure to the claim following the path of least resistance - Chase failed to uphold its prior standards of being known for customer care and siding with the customer when justified - In a final phone call, Chase failed to inform the cardholder about his right to arbitration even when asked about next steps

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am inquiring about XXXX XXXX Acct # XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: BB&T CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : 1. BB & T OWES ME {$1800.00}, ALL BB & T ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE BB & T AND BB & T TRIED TO EMBEZZLE ( STEAL ) {$720.00}. BB & T BANK IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MR. XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2.  XXXX  XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX  ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear bb & t bank XXXX Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : BB & T NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  XXXX : XXXX Email : 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 2019-09-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : 1. XXXX XXXX XXXX OWES ME {$1800.00}, ALL XXXX XXXX XXXX ACCOUNTS CLOSED WITH {$0.00} ( XXXX ) BALANCE. I DO NOT OWE XXXX XXXX XXXX AND XXXX XXXX XXXX TRIED TO EMBEZZLE ( STEAL ) {$720.00}. XXXX XXXX XXXX XXXX  IS SENDING HARASSING LETTERS TO MY HOME ADDRESS AFTER I HAVE INSTRUCT THEIR XXXX-XXXX   COMPLIANCE GROUP MANAGER VICE PRESIDENT, XXXX XXXX AND SPECIFIC OTHERS TO NOT CONTACT ME. MRXXXX XXXX XXXX XXXX CAN CONTACT ME AND ONLY THROUGH CFPB BUREAU. 2. XXXX XXXX XXXX, XXXX, IS FALSELY REPORTING I OWE THEM {$2000.00} WHEN I DO NOT. I DEPOSITED A VALID CASHIERS CHECK IN THE AMOUNT OF {$690.00}, AND I WITHDREW AND MADE PAYMENTS TOTALLING {$690.00}. I DO NOT OWE THEM. ALL XXXX XXXX XXXX, XXXX, NEED TO REFLECT {$0.00} ( XXXX BALANCE ), ALL ACCOUNTS CLOSED. 3. XXXX XXXX IS FALSELY REPORTING I OWE THEM {$34.00}. I DO NOT OWE XXXX. I MADE A DEPOSIT OF A VALID CASHIERS CHECK IN THE AMOUNT OF {$34.00}. XXXX IS REFUSING TO CLOSE MY XXXX ACCOUNT THAT I TOLD THEIR XXXX I DO NOT NEED NOR WANT. Dear XXXX XXXX XXXX XXXX CEO Mr. XXXX XXXX XXXX : Please do not have your employee, compliance group manager vice president, XXXX XXXX contact me again. I received a third letter from her after requesting she stop contacting me including communication through the consumer financial protection bureau, CFPB. Mr. XXXX, your employees tried to embezzle VALID CASHIERS CHECKS FROM ME TOTALING {$720.00}. THEY GRAVELY INCONVENIENCED ME ( REALLY AN UNDERSTATMENT ) AND CAUSED ME MUCH GRIEF AND HARM. EFFECTIVE IMMEDIATELY : XXXX XXXX IS TO CEASE AND DESIST WITH ANY FURTHER COMMUNICATION INCLUDING BET NOT LIMITED TO MAIL, LETTERS, EMAIL, FAX, PHONE, CFPB PORTAL, ETC. ). HER CORRESPONDENCE IS HARASSING AND ANNOYING. DEMAND : XXXX XXXX XXXX NEEDS TO PAY ME {$1800.00}. I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL. Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : 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 non-monetary relief
Consumer complaint received 2019-09-17 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX PayPal and XXXX  XXXX was fraud I want it off my file plz

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 2019-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got an email from XXXX XXXX soliciting about a mortgage product. I asked her for the name of her brokerage, NMLS ID or real state license number. She said she will release that upon filling out a form where I'm to disclose my personal information. 

I'm sure she and her company are not licensed to do business in the state of California. 

I've attached the email conversation and the form she enclosed to be filled out.

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 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AP

Complaint narrative:
I have two different account numbers with both being derogatory with no balance owed on either account. I sent out verification and disputed and the issue is still not fixed for 18 months. I still haven't gotten anything even with me giving my new address. XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedycash deposit XXXX in my account and they said it will not affect my bank account so now I have a overdraft in my account it was at XXXX now it is XXXX overdraft they should be responsible for this not me there phone is XXXX XXXX XXXX name is XXXX XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Siggi LLC
State: AP

Complaint narrative:
Account was Paid miss communication and spoke with them it states wrong information I paid off the remaining balance mypay stop the allotment and I didn't know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I applied for a student loan for my daughter. I was told by the student finance officer the loan will automatically go into deferment and will continue as long as she stays a full time student at XXXX XXXX XXXX UNIVERSITY. From XXXX  2018 to XXXX 2018 XXXX XXXX XXXX took the account out of deferment causing it to reflect late payments, without my knowledge or good cause. I was told their system shows my daughter is no longer in school. My daughter has been a full time student since initial enrollment. I was told I had to make another request for a deferment. I went to my daughter school and told them they need to notify the loan institution of the correct information so these late payments can be removed from my report.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I simply asked Equifax to follow the law in section 605B of the fair credit reporting act. That particular section deals with identity theft. The law is very clear on how the CRA is supposed to act once they get the 4 parts of the law that I'm supposed to comply with. Equifax simply breaks the law and those not give any valid reason of how or why they do this except they feel they are above the law and that their policies can re write the law. I have complied with section 605B of the FCRA many many times and Equifax has yet to obey the law and remove the fraudulent items for over 4 years. I am asking Equifax to obey that particular law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I called to inquire on rates and my options with XXXX XXXX XXXX XXXX and without my knowledge, they did a hard inquiry on my credit report. I never authorized it nor was I informed that they would be doing an inquiry on me. I got a text from XXXX XXXX informing me that I had had a hard inquiry on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.

Complaint narrative:
Experian claims 3 ways to get a credit report : Web access, phone and mail. 

Can't access Experian web site for a free report. I consistently get the follow error : XXXX - Access Denied Error code 16 This request was blocked by the security rules XXXX XXXX XXXX Your XX/XX/XXXX|Proxy XXXX ( ID XXXX ) Incident ID : XXXX Clearly Experian has blocked my IP number for access making it impossible to get a free report online. 

Calling has another problem - the phone robot always hang up on you when you have exceptions to the questions asked. And there is no way to talk to a live person. 

Mailing has another problem, Experian returned my mail unopened. The return to sender ticket by Experian clearly shows that Experian tried to hide my return address. 
on the package. 

if mail, web and phone have all denied me access - it appears that Experian has quite a problem and doesn't want to comply with foreign resident addresses and mailing out credit reports to Americans serving our country overseas.

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 2019-09-17 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: CA

Complaint narrative:
HAS BEEN MAILED VIA CERTIFIED MAIL TO XXXX, XXXX, EXPERIAN FRAUD DEPTS : UTILITY BILL, DRIVERS LICENSE, SOCIAL SECURITY CARD, MILITARY ID, FTC ID THEFT REPORTS, XXXX   DATA BREACH CLAIM/ VICTIM LETTER, XXXX E-MAIL DATA BREACH VICTIM LETTER, REQUEST TO REINVESTIGATE OR BLOCK FRAUDULENT ACCOUNTS. 
MY IDENTITY HAS BEEN USED FRAUDULENTLY TO OPEN ACCTS, MY EXISTING ACCTS WERE EITHER TAMPERED WITH WITHOUT MY CONSENT OR TRANSACTIONS DONE WITHOUT ME KNOWING BY HACKERS. I AM FED UP OF DEALING WITH THESE CRAS AND THEY DONT NOT REVIEW RECEIVED INFORMATION OR VERIFY NEITHER CONFIRM REINVESTIGATION DOCUMENTS SUBMITTED. THEY ARE NOT IN A POSITION TO BE A REPORTING AGENCY SINCE THEY ARE SIMPLY A MIDDLE AGENT FAVORING THE CREDITORS. I AM A PRIVATE CITIZEN AND NOT A STATE OR FEDERAL ACTOR AND I TAKE MY PRIVACY SERIOUS. CERTIFIED MAIL LETTERS HAVE BEEN MAILED OUT TO ALL THREE CRAS AND XXXX STILL REPORTS INACCURATE FALSE INFORMATION ON A PRIVATE CITIZEN ALSO EXPERIAN REPORTS A FRAUDULENT COLLECTION TOO.

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 2019-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an email from Experian saying thank you for changing my email with them and when I went online to reset my email it looks like it was changed to an email address I do not have by someone else. I immediately emailed Experian to tell them and included my information but they will not respond or help. I need this investigated immediately my information Is at risk. 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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
Ditech is changing the amount and date I make my mortgage payment. I have to call and email because they also have been placing the entire amount on principal. They no longer allow me to see my payment history on line, as I have been using it for documentation ... it constantly changes. On XX/XX/2019 I made my XX/XX/XXXX payment with an additional {$200.00} to go to principal. Ditech put the entire amount on principal and changed the date I paid it to XX/XX/XXXX and only show my payment with no principal ... this is after I emailed and called 2 times. They have been putting the entire amount each month on principal ... even putting a late charge on me in XX/XX/XXXX ... though I paid it early.They assure me it has been taken off. Now I am unable to even know what they are doing as they dont allow me to see it on line how they keep changing the amounts and dates that I pay ... this cant be legal!!! How can I get them to do their job? How can they change their dates. XXXX # XXXX in the XXXX the last person I talked to said it would be fixed by the end of last week. He also stated that because I paid it on XX/XX/XXXX five days early that Ditech put it on principal because the payments no due until XX/XX/XXXX ... really?! Help! Ditech is constantly screwing up my mortgage! This has to stop!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief