vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FLORIDA HOME TRUST MORTGAGE
State: FL

Complaint narrative:
My name is XXXX XXXX i have a loan with XXXX XXXX XXXX to my home in XXXX Flirda this company has not collaborated with late fee payments by paid month XXXX 2020. 

I called them to see if they had any delay program for these times and they said no. that if I did not make the payment they would charge me the late fee and there would be delays in monthly payments they would execute me with lawyers. 
Bring the check XX/XX/XXXX at XXXX XXXX  at your XXXX Florida office. There was no one person to receive the check and contact Mrs. XXXX and she informed me that she did not bother me that they withdrew the payment and credited it to the account. 

After the days the bank calls me to notify me that I had a late fee account. for late payment in XXXX. they processed the payment on XX/XX/XXXX. 

It is not fair that they charge a late fee when in these times many people find it difficult to make monthly payments due to the world situation we are experiencing. 

They notified me that no one could compel them to be considerate of their loans, that there was nothing official from the government to compel them to grant any extensions. 

I accepted that, and sent the payment on XX/XX/XXXX because they are charged a late fee? my loans are to pay until the XXXX of each month. 
If they do not have personnel to receive the payment, it is not my fault that they deposit late and collect it from me. 

please I need a verification of my case because it is an abuse of those banking entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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:
The credit card company closed my dispute without giving me an opportunity to respond to the merchants feedback on my dispute. 

I have also been attempting to open another dispute, and have been unable to reach anyone at Chase customer service for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XXXX my Experian score was updated and dropped 6 points. The one and only change, I paid off my credit card. What the ****. Credit is a scam. Fix the score I have been relentlessly been trying to improve. Experian information is incorrect.

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 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Greetings, I have opened a checking bank account with chase, all have been good until I lost my debit card, the pin number was on the card on the white paper. I didn't realize it until a XXXX dollars were withdrawl from the bank. I recieved a fraud message and I immediatly replied that I didn't do it. They opened a claim, it was denied. I contacted them several times, they stated that I had done it. They even closed my account so I wouldn't call anymore. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on 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
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are accounts are TOO old in which exceeds the FCRA laws, or they are not mine! I also didn't authorize this company to pull my credit, or the address I have never lived in. I filed a complaint with the FTC in which I attached 3 reports that has all the information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
XXXX XXXX consistently has inaccurate bills. This is at least the fourth time I have been harassed by this company. Now they referred me to a collection agency! This bill was paid timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Paying bill on time through my banks bill pay. Company Not processing payments in a timely manner once they are received. Charging {$35.00} late fees. Customer service representative barely speak english and would not reverse late fee. Demanded i make payments over phone and insisted on me making another payment, even though one was not due for another 22 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both Transunion and XXXX attempts failed through XXXX. I also attempted to obtain them directly from Transunion and XXXX  via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.

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 2020-05-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Regarding : EQUIFAX Several years ago I placed a credit freeze on all 3 credit reporting services. I have been able to unfreeze/refreeze all without a problem. 

At the beginning of XXXX I tried unfreeze my credit reports. I was able to do so for all but Equifax online. Equifax would not let me in online. 

I subsequently called and was told that because of something I did they had permanently locked me out from being able to freeze/unfreeze online. No explanation, no reason and no recourse or way to correct whatever they seemed to think had happened. 

on XX/XX/XXXX I tried to unfreeze, still could not get in. So i called. Was on hold for about 30 minutes, finally someone answered and told me their system was down and to call back again. They should have offered to call me given all the security checks you have to go through before talking to anyone. 

On XX/XX/XXXX I called again, went through all the security checks, began talking with someone, and suddenly hung up or something because I was put through to the post call evaluation system they use. 

I called again on XXXX, spent another 30 minutes or so going thru security checks and got through to someone. She was able to lift my security freeze temporarily. I then asked about the problem logging in and got the same answer. I asked who I could talk to about it, and wasnt able to get an answer. I asked what regulatory agency oversaw them, she could not or would not answer. She finally agreed to put me through to a supervisor. After being on hold for around an hour I finally hung up. 

This company has control over my finances that I did not directly grant them, and their service is completely horrible. They are responsible for the XXXX security breach for which I had to freeze my credit in the first place, and then have made it very, very difficult to unfreeze my credit. 

It is simply unreasonable and unfair for them to be able to act this way. 

I believe that it maybe that they locked my online access because I was attempting to unfreeze my credit while on an airplane and using a VPN, but I dont know that. Whatever the reason, to place a lifetime ban on online access, then make it super difficult to call in, is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2020, I received a refund in the amount of approximately {$7600.00} on my CITI credit card and to date ( one month later ), I have not been able to get my refund. I have contacted Citi AAdvantage multiple times and they told me it will take 3-5 days. As of today, my account is still showing a credit of {$7500.00}. 
Company Information : Citi Cards XXXX XXXX XXXX XXXX, KY XXXX www.citicards.com Customer Service : 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 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
When I began getting K jewelers bills in the mail I called them to explain that I never opened an account and they told me I was still responsible. The staff over the phone was never helpful and now this account I never created is ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I have several accounts that were fraudulent and I am in the process of clearing up my credit due to the loss of my wallet and my Chex Systems I have filed a FTC identity Please remove the following accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, I have never applied for a XXXX   XXXX, XXXX XXXX or any online Payday Loans.

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 2020-05-02 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.
State: GA

Complaint narrative:
I have tried for several years now to obtain my free annual credit report from all 3 agencies. I tried again today and the only successful report was through XXXX. Both XXXX  and Experian attempts failed through XXXX. I also attempted to obtain them directly from XXXX  and Experian via the online method and by calling the customer service number for assistance. I am unable to reach an agent and none of the options offered lead me to an agent. The information I've been given with the unsuccessful online attempts is not sufficient and does not allow me to resubmit, assuming it's an address error. I just receive a message that I can't request my report online at this time. In the past, I've attempted to request a report via mail but gave up when I didn't receive a response.

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 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX XXXX I contacted bbva compass regarding a charge on my bank account for {$560.00} from XXXX XXXX. I disputed the amount because it was for a service I never received as the gym closed down abruptly and wouldnt refund my money. The bank sent me a letter on XX/XX/2020 stating that my dispute was complete and they were giving me my money back plus any overdraft fees associated with this purchase. I contacted them multiple times and could not get a straight answer on why I didnt get my money back. Ive called multiple times and waited on hold over an hour. I also sent emails requesting that they handle this but no one will respond. I want the money owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02 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: UT

Complaint narrative:
We bought a dishwasher and it was broken. We called the store, they had us come in to order a new one and process the return of the old one. The manager told us the dishwasher would be picked up within 3 days, so we waited. They brought our new dishwasher and told us they werent taking the old one. So I called the general help line and spent 5 hours on the phone trying to get it resolved, the guy on the phone said the manager did not process the request correctly and he needed to reach out to the vendor to see if they would take the dishwasher, he said that someone would be calling me that day and they were scheduled to pick up the dishwasher on Monday. Well the dishwasher wasnt picked up on Monday, so I called again on Tuesday and spoke with a supervisor and he said everything would be taken care of and he would call me no later then Friday, nobody called me on Friday, so I called in and spent another 2 hours on the phone! I still have a dishwasher sitting in my living room and Ive received the bill on the dishwasher and Im afraid of getting a late charge and my credit being hit. I dont want to have to pay for 2 dishwashers.

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 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have accounts listed on my credit report with Transunion, in which I do not recognize. I reached out to Transunion via certified mail over 30 days ago. I provided Transunion all the necessary documents to remove the following account : XXXX XXXX  # XXXX. However, I have not heard back from Transunion nor have they remove the false accounts listed. I am reaching out to CFPB to help me resolve this issue.

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 2020-05-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: NY

Complaint narrative:
My account with west creek finical finances a bed for me they had received payment I ran into difficulty paying I info them they sent it to collections last year last month they took money from my bank after they had sent me to collections in 2019 I have reached out to them directly left on hold for 3 hours sent emails and again they took money from my bank I have proof of all allegations I am making in this statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
There were fraudulent charges on my account for three months. I disputed the fraudulent charges and the charges were removed three months later. I have requested in writing to this company that I get refunded interest charges for the months when I had fraudulent charges on my account. The company responded to my letter on XX/XX/2020 via email to me however they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My wife and I bought a house by signing a contract with seller and recorded with the county for {$390000.00} in XX/XX/2019. House was held with {$50000.00} down paid to seller in XX/XX/2019. We spent hundreds of hours and tens of thousands of dollars fixing it up for appraisal and new mortgage. In XX/XX/2019 I applied for a mortgage with LoanDepot and an appraisal was ordered and completed in XX/XX/2019. During loan process I was asked and I signed a PMI form, I pointed out that the appraisal will be much over the 20 % LTV needed. I was told it gets dropped when appraisal value shows this new LTV.

Appraisal came in at {$610000.00}, Mortgage taken on house {$340000.00} At closing I was told just sign its an easy fix. I have contacted HomeDepot PMI removal dept. twice explaining this. Both times I receive a form letter explaining how to pay {$28000.00} to get PMI removed, or wait two years. 
How do I proceed with getting PMI removed? 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been a victim of identity theft, these accounts do not belong to me. 
See Attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND I DISCOVERED A BANKRUPTCY ON MY CREDIT FILE WHICH I HAD NEW KNOWLEDGE OFF. THIS ACCOUNT WAS NOT AUTHORIZED BY ME AND I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER. THIS BANKRUPTCY HAS BEEN REPORTING INACCURATELY ON MY CREDIT FILE AND I AM DISTRESSED BECAUSE I HAVE NO IDEA HOW LONG IT HAS BEEN REPORTING NEGATIVELY ON MY CREDIT FILE. I AM REQUESTING IMMEDIATE REMOVAL OF THIS BANKRUPTCY ACCOUNT.

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