vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I closed my checking account and credit card account on the same date over the phone. The funds in my checking account were sent to me via check. There was no balance on my credit card. The reason I closed the accounts was that I no longer needed them. The timing of my closing instructions was to assure that I was not billed for an upcoming annual fee. 

It became apparent to me that my instructions to close the credit card were not followd when I received dunning notices for non payment of minimum balance. I called customer service and after a too long conversation I was told that the appropriate correction would be made. It was not as dunning notices continued. Second call to customer service resulted in transfer to " account retention '' department, Annoying conversation resulted in assurance that account situation would be corrected ( this may have been XX/XX/XXXX ). I began getting phone calls referencing collection. I returned call on XX/XX/XXXX and was transferred to customer service, The resulting conversation was bizarre. I recounted all the above and apparently the bank records reflect my credit card was closed in XXXX and not XXXX and there was a {$50.00} balance for annual fee. I believe the representative understood my position that the fee was inappropriate since I had instructed the bank to close my account but the solution offered is the bizarre part, I was told that the customer service rep was unable to correct the matter. The solution was for me to makea {$50.00} payment and it was promised that the {$50.00} would be returned to me within one or two billing cycles. 

Despite having lost all faith in the customer service organization at Citi, I did a quick cost benefit analysis and decided to make a payment by giving them the routing number and account number of my current bank and authorizing a XXXX payment, We will see what happens. 

I think the customer service issues are clear. Do it right the first time and react quickly to errors. 
I understand that there must be restrictions on making charges against previously recorded income, but is the byzantine solution necessary? Are fees being collected from customers even though unearned. 
The referral to account retention was problematic to me. Not following my instructions resulted in my account being open on Citi records for 3 months in error. The transfer to account retention shows how important numbers are- they frown on closed accounts. The retention team also offered a " deal '' for me to keep the account open for at least three months more. You have to wonder if the incentives offered are in the best interests of the customers of Citi

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 monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Spoke to the financial institution IT Supportaccording to them they are working on the problem but as of this date of filing the complaint has been 5 days. 
My concern is that the financial institution never inform their customers of the website issue. 
. 
Meanwhile I am not able to do any transactions internally to transfer my money. 
I feel that they are not being upfront on what is the problem and cant give a timeline when the issue will be fix. 
Ive been a customer of this financial institution for 14 years. 
This problem has never happened before. 
The transaction is in the Ira Savings section account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT XXXX XXXX FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX XXXX XXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NJ

Complaint narrative:
All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: NJ

Complaint narrative:
All Three, Incompetent Credit Reporting Organizations, Are Purposely Keeping All Of My Positive Account Information, From My Credit Report. As Of Today ( XX/XX/2021 ), I See Only Negative Information, On My Credit Report. This Obviously Lower 's My My Credit Score, Which Is Their Intent. I Have Had Positive Account Information On My Credit Report, For Over Two Weeks, And They Never Applied It To My Credit Score. I Work Hard To Keep My Bills Paid, And I I Don't Need A Half Assed Organizations, To Ruin My 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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I never opened this account and this is not mine. I have reached out to the creditor and the bureaus to remove this account from my report. XXXX & XXXX is no longer reporting this however XXXX is still reporting this and it is severely affecting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: V and H Portfolio
State: CA

Complaint narrative:
I sent an identity theft affidavit to XXXX, XXXX, AND XXXX and they have failed me as a federal consumer. According to 15 USC 1681 C-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; PLEASE REMOVE ALL ACCOUNTS LISTED ON LETTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Back in 2019 my personal stolen with my belongings my job is license and Social Security card Who has been trying to make and apply for credit under my name now I have over 15 inquiries I am a victim of identity fraud and I have been trying to get this issue resolved for over a year

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 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I received text messages from " State Collection Service '' saying they were a debt collector. On XX/XX/XXXX ( phone # : XXXX ) there was a link in the text message that wanted me to enter my zip code, I ignored the message after doing some research realized this was a fraud. On XX/XX/XXXX ( phone # XXXX ) sent a text claiming they had a " notice from State Collection Service '' and to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc.
State: TN

Complaint narrative:
I and several members of my family have been continually harassed by XXXX and XXXX in particular. They have called my parents and left messages multiple times. As well as refusing to stop contacting them when I requested they stop contacting others regarding my information. They have been calling ( according to my call logs on my cellphone ) for over a month, numerous times. When requesting the company not call my parents, I was told to go ahead and call the police department on 3 way then they hung up on me. They have been calling from several numbers. When I request to speak after my work hours, they won't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late for the month of XXXX and XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hi my name is XXXX XXXX I have been waiting to be verified with Gemini for almost 2 weeks now in their company policy it states that verification takes up to 2 to 5 business days and still I havent received anything I have submitted all the necessary documentation everything is up-to-date and still I havent received anything back from them it is required to have a New York State ID or license as well as your Social Security numbers in order for this process of verification to be approved and I have submitted all those documents. XXXX thats the email that Im using regarding Gemini thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
MONEY WAS WIRED TO XXXX XXXX ON XX/XX/21 AT CHASE BANK FOR XXXX XXXX TO PERFORM A REHAB ON MY PROPERTY XXXX XXXX XXXX XXXX LOCATED IN XXXX, MICHIGAN BASED ON HIS SCOP OF WORK.I MADE 2 DIFFERENT WIRE. FOR WIRE TRANSACTION WAS FOR THE AMOUNT OF {$20000.00}. XXXX WAS SUPOSE TO ORDER MATERIAL WITH THE MONEY THAT WAS SEMT TO HIM. DUE TO THE BACK AND FORTH HE WAS NEEDED. MORE MONEY SO HE CAN PAY FOR LABORS AND OTHER ITEMS HE LIED ABOUT.. SO AT THAT TIME MONEY WAS WIRED TO HIM FOR THE SECOND TIME FOR THE AMOUNT OF {$65000.00}. AFTER A MONTH ME AND MY BUSINESS PARTNER XXXX TOOK A TRIP TO XXXX TO LOOK AT THE WORK THAT WAS PERFORMED ON THE XXXX XXXX XXXX XXXX. WHEN WE ARIVED THERE WE NOTICE THAT NO SKILLED WORK THAT WAS STATED FROM XXXX XXXX THAT WILL BE DONE WAS NOT DONE.. THE ONLY ONLY THING THAT WAS DONE WAS WAS REMOVING THE SMALL AMOUNTS OF DEBRIS FROM BUILDING WHICH I COULD HAVE DONE THIS MYSELF WITH MY BUSINESS PARTNER. WE WERE HIGHLY UPSET WITH THIS PERFORMANCE. WE HAVE BEEN EXTREMELY LIED TO. ABOUT EVERYTHING. I REQUESTED FOR XXXX TO SHOW ME RECEIPTS FOR ALL THE MATERIALS HE CLAIMED HE PURCHASED FOR MY BUILDING AND HE COULD NOT PROVIDE THAT TO ME. ALSO XXXX SAID HE WAS LICENSE BUILDER AND WHEN I REQUEST FOR HIM TO PROVIDE ME HIS BUILDERS LICENSE HE SHOWED ME A FAKE BUILDERS LICENSE HE OR SOMEONE HE KNOWS MAY HAVE CREATED. NEXT THING HE DID ONCE I HAVE EXPOSED HIM ABOUT EVERYTHING HE HAS LIED ABOUT WAS STOP COMMUNICATING WITH ME AND MY BUSINESS PARTNER. HE STOP ANSWERING MY CALLS, TEXT MESSAGES AND EVERYTHING. XXXX XXXX WITH XXXX XXXX XXXX XXXXXXXX HAS DEFRAUDED ME AND MY BUSINESS PARTNER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
During the last 10 years of making mortgage payments to Bank of America, I had always been given the opportunity to make an additional payment on their website. In doing so, it asked if I wanted to apply this additional amount to escrow, interest or principal. I had a habit of rounding up to the nearest {$10.00} or {$20.00} and always requested that this amount be applied to my principal balance. Since the loan is top loaded with interested payments I felt the additional principal payments would help knock down the amount of time to repay the mortgage. Every time I did this, the following month Bank of America would adjust my new payment due amount downward in the amount of overpayment I had made from the previous month. In effect, I was not actually making additional payments at all because of these practices. This year I have noticed Bank of America no longer allows you to make additional payments on their websites and you can not make any payment to the mortgage on mobile. 
I believe Bank of America is engaging in fraudulent activity by crediting my overpayments not to my principal balance but to future payments owed. Now they are not allowing an overpayment to my mortgage at all. These are not very consumer friendly practices.

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 2021-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I receive 5-6 calls from Synchrony Bank each day from a variety of numbers. In XXXX of 2021, I asked them one last time to please send me a written statement of debt to validate the charges, I was told that they can not provide that upon request and they are sent out periodically, but not to charged off accounts. I explained that until I receive a written statement of debt to assess the validity, I do not want to be contacted via telephone. They instead began ramping up phone calls, reaching out to my previous employer, as well as my current employer ( this information was never provided to them ) as well as friends and family. They are harassing people who have nothing to do with this debt. I am not even sure I have anything to do with this debt because I have not received any statements of the debt they are attempting to collect.

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 2021-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have a auto account with navy federal in which they sent me billing statements which reflect a positive balance to pay an alleged debt. I owe no such debt and refuse to pay, this is a billing error pursuant to 15 usc 1666 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing jp morgan chase services

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I bought a house in 2020, XXXX with a mortgage {$320000.00} from the quicken loan company. At the very bagging of the pandemic, my wife lost the job. Then I apply for the forbearance plan and the Rocket mortgage has approved and it has been extended up to XXXX XXXX of this year. 

On XX/XX/XXXX, I called Rocket mortgage and asked some questions regarding my payments. They offered me a loan modification plan with hidden conditions basically the interest rate and the years of the mortgage period. 

After receiving the notice of the loan modification, I get to know that the hidden conditions. Then I called them to withdraw the modification plan because of the unreasonable hidden conditions. But they refused to allow to withdraw my consent. 

Then XXXX complaint against them to the CFPB and the complaint # XXXX. After complaining and couple of days later, one of the executing officer called me and agreed to withdraw the earlier unreasonable loan modification plan and I requested a loan deferral plan which is enable to settle the default amount at the end of the mortgage or when I sell the property. I am legally entitled and qualify for the loan deferrals program. 
Finally both parties agreed to those plan and they calculated the monthly mortgage payment for {$2000.00} per month for 5 years. The regular mortgage payment is {$1900.00} per month but they said that they need to recover my property taxes and the property insurances that I defaulted with the forbearance plan. I agreed and they calculated {$2000.00} per monthly payment and later they send me as XXXX. They sent me the notice and I it says that there are no any change the other conditions of the original mortgage agreement. 

I am complaining now because of the following two reasons. 

1 ) They increased my loan balance in {$21000.00}. Because I borrowed only {$320000.00}. Now they show me in my account {$340000.00}. How they have increased this loan amount {$320.00}, XXXX up to {$340.00}, XXXX. 

2 ) They have double charged property tax and the property insurance payment for the forbearance period. Because already calculated default payment included the property taxes and the property insurance. But They have added to the defaulted forbearance period t property taxes and the property insurance to the current monthly instalment. That is the reason I have to pay {$2000.00} instead of {$1900.00}. 

I agreed with loan deferral plan. Please make an investigation regarding above two things

Company response to consumer: Closed with explanation