vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 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: CA

Complaint narrative:
On XX/XX/XXXX, I purchased tickets to a live showing of XXXX on XX/XX/XXXX from XXXX XXXX XXXX website. The purchase amount was {$1600.00}. 

As the COVID pandemnic began to spread, shows were being canceled. My showing on XX/XX/XXXX, was the 2nd day of shows and was canceled in the first wave in XXXX XXXX XXXX. I received an email from the merchant on XX/XX/XXXX notifying me of the cancellation and stating I would receive a refund in 2-4 weeks. After 5 weeks went by with no refund, I contacted the merchant who offered no specific, measurable comments on when I would receive my refund, only that it was still in the works and to please be patient. The merchant ( 2 separate individuals on the call ) repeatedly asked me to not file a dispute with my credit card company. With such lacking promise, I filed a dispute with Citi for the purchase. The dispute was working it's way through the process. 

On XX/XX/XXXX, I received an email from the merchant stating that they have adopted a " new policy '' and instead of a refund, would now credit me with 120 % of the purchase price. I emailed the merchant and explained this was not acceptable, they could not change the terms and conditions after the sale and that I still expected a refund. I attempted to call, but they were at this time not accepting phone calls. 

Citi denied my dispute, and I appealed that denial by providing evidence of the documents received from the merchant offering a refund, then rescinding and stating a new policy and their offer for remedy. Citi again denied. I spoke with the Executive Office team member again to explain in detail how the merchant can not institute a new policy more than 6 months after the purchase date and finally was told they will take that into consideration and review again. Once again, Citi denied my dispute with generic language that did not address the failure to provide the promised refund, nor the new policy they attempted to institute. This came in the form of a letter attached to an email. At this point, my calls are no longer being returned by Citi and the merchant will also not speak with me due to my dispute. I have neither accepted or used the credit from the merchant, nor received 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 monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I XXXX XXXX am assisting XXXX XXXX XXXX in writing this complaint for review : I am having a very difficult time with SPS. We have submitted an all cash offer to SPS. In XX/XX/2020 SPS told me that appraised value from a walk through is {$710000.00}. Then in XX/XX/XXXXduring a global pandemic with COVID 19 SPS is stating the appraised value went up to {$710000.00}. That is mathematically impossible and does not reflect the current market that is still shut down from COVID. The apprised value should of dropped a bit or at the most stayed the same. So I am dealing with an over inflated appraisal that is not accurate. It does not actually reflect the repairs that are needed to make this property livable for the new homeowner. By California State Law under the Bureau Of Real Estate I am required to disclose the repairs that are mandatory for this property. The repairs are to make the home livable and to remove the 2nd story patio that is a major hazard. These repairs are required for safety and health reasons. These are not upgrades the buyer is requesting, but required repairs. I can not stress that enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am unable to transfer funds from my PNC account to my XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Planet has repeatedly made errors In the servicing of our mortgage, putting our credit at risk. We have NEVER missed a payment or paid late. We attempted to accept forebearance due to covid, but due to Planets extreme negligence, we opted out. Planet then set up double payments in error. When I tried to have Planet stop the incorrect double payment, they said they couldnt stop their error and asked me to talk to my bank to stop the double payment Planet set up in error which I did. 
Most recently, on XX/XX/XXXX, planet reversed an entire mortgage payment and placed a cleared payment in their suspense account without my knowledge or consent. I called on XX/XX/XXXX when I noticed the error and the unknowledgable rep could not answer my questions or tell me who placed the payment in suspense causing a late payment. 
She moved the payment from suspense and told me what I owed. 
I paid using acct ending in XXXX on XX/XX/XXXX. I REPEATEDLY ASKED TELL ME WHAT WE OWE SO I CAN OAT RIGHT NOW BECAUSE YOUR ACCOUNTING IS ALWAYS WRONG. She had trouble telling me what we owe. It took a long time for her to forgive it out. Once she told me the amount, I paid over the phone. The Planet representative said No further amounts were due. The money cleared the account XX/XX/XXXX and was never returned. 
Planet then proceeded to send me a statement on XX/XX/XXXX saying I owe {$2700.00}, and another statement dated XX/XX/XXXX saying I owe {$5300.00} and change. They then sent me a letter for assistance with foreclosure or non payment, even though we did not owe anything. They cant keep track of accounting. 
Then I received a call XX/XX/XXXX saying I owe {$5300.00}. I lost it. They have no record of my XX/XX/XXXX payment which has cleared my account. They have misapplied my payment again! 
PLANETS SEVERE NEGLIGENCE IS PUTTING OUR GOOD CREDIT AT RISK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was a long time customer of Bank of America but closed my accounts because of banker incompetence and deposit errors. I was charged a {$35.00} NSF fee for a check that was processed the same night I received a direct deposit of my paycheck. I also had {$100.00} stolen from me out of a joint account because that bank did not close the account when I told them to do so and they took NO action of any sort to help me resolve the matter. I am still not getting any help after all this time and these greedy sons  of  XXXX can expect to hear from my until I at LEAST get back the XXXX NSF fee that I was unjustly charged.

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 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX Company Inquiry : XXXX 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 2020-06-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I've called and written this company plenty of times explaining that this was fraud done in my name and still nothing has happened yet!

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 2020-06-29 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: CT

Complaint narrative:
The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a XXXX XXXX mortgage loan on my sole residential property. The mortgage servicer is JPMorgan Chase Bank. In XX/XX/2020, I requested in writing to Chase a forbearance on my mortgage loan for an initial period of 180 days under the CARES Act. I attested and affirmed to Chase that I am experienced ( and am still experiencing ) financial hardship caused by the COVID-19 emergency. 

Chase automatically enrolled me in a 90 day " mortgage payment assistance program ''. Chase informed me that all missed payments are due at the end of the 3-month period. Is Chase allowed to ignore my request of 180 days forbearance under the CARES Act and demand a lump sum payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
For the past 8 months Ive been actively trying to rectify errors on my report and Navy federal & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: DE

Complaint narrative:
these inquiries do not belong to me and were not authorized XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/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 2020-06-30 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: LA

Complaint narrative:
I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX 1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1000.00}

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 2020-06-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a XXXX veteran trying tp purchase a home. I noticed that XXXX XXXX is duplicated twice on my XXXX report listed below. I dont owe this company anything. 
According to Louisiana state law CC 2682.

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have not XXXX, Transunion have not showed proof please remove. This is affecting my ability to provide shelter for my family. 
XXXX  1. Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX, XXXX Original Amount Owed {$1500.00} XXXX XXXX XXXX   Original Creditor Name XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1000.00}

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 2020-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX 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 2020-06-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC
State: CA

Complaint narrative:
On XXXX I entered in to an agreement with a company located in XXXX XXXX, CA called, " XXXX ''. They use a finance company called Universal Account Servicing , LLC ( UAS ) based in XXXX, Missouri to offer 0 % interest financing for their services. I have been making the required minimum payment of {$100.00} regularly. In XX/XX/2020 I made a lump sum payment of {$1000.00} to try to accelerate my account and somehow a payment was sent in XXXX for {$97.00} instead of {$100.00} for a difference of {$7.00}. I received a bill from UAS for a {$10.00} late fee. They also are charging me {$220.00} in interest because I'm {$7.00} short on my payment. This is absolutely usury and I refuse to pay them {$220.00} for being {$7.00} short on a payment. I called them on XX/XX/2020 to let them know that I didn't know how the payment was sent {$7.00} short and that I could payoff the remaining balance of {$770.00} to avoid the {$220.00} fee but they will not waive the interest fee of {$220.00} and that is why I am reporting them. They told me that they will be reporting me to the credit bureaus for the {$220.00}. This is extortion for accidentally being {$7.00} late on a payment? 
Another matter is that they don't show any fees charged or interest charges on their statements. They simply just add their fees and interest charges to my outstanding balance and hope no one notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a lease with Ally Financial XXXX XXXX ext XXXX on a XXXX XXXX XXXX account XXXX. I returned the car and the bill me {$4200.00}. I have received an offer from XXXX XXXX XXXX XXXX XXXX account for {$2500.00} that I paid on XX/XX/XXXX. I have call Ally over a month to get a paid in full letter or a delation letter to updated my credit report. I'm in the process of purchase a house for my family and this company and reps they have not update the account nor give me my letter request. Every time that I call they promise the letter by fax or email with no results.

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 2020-06-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
For the past 8 months Ive been actively trying to rectify errors on my report and XXXX XXXX  & the credit bureaus has been disregarding my rights according To the fair credit reporting act. 

The close date, charge of date, current status and date of last activity is incorrect and varies from each bureau. 

I was denied a mortgage today because of the discrepancies. 

I also attached a statement of truth for my and your records if i need to use this in the future.

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 2020-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP
State: OH

Complaint narrative:
Someone has filed unemployment as me. I have received a notice from the state about the account I never filed for. Now I have received a reliacard through US Bank for unemployment funds to be deposited to and used as a debit card. I did not file for unemployment nor being issued a debit card. When I call US Bank to let them know about the fraudulent account being opened and the debit card issued based on this, the account number sent on the card no longer works either. I want everything closed having to do with the account being used in my name to issue these reliacard debit cards.

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