vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a call from Planet Home Lending notifying me that there were recent reversals requested from my prior mortgage company ( XXXX XXXX XXXX ) which as a result in me being in arrears for 2 mortgage payments. For background ... my old mortgage company ( XXXX ) sold my loan to Planet. In an effort to resolve this error immediately ( XX/XX/25 ), I emailed monthly banking statements to Planet Home Lending for XXXX, XXXX, XXXX, and XXXX with transactions that demonstrated that mortgage payments ( in full ) were made consistently each month to XXXX as well as to Planet Home Lending ( not one missed ). It's been more than a month now and my Planet Home Lending account still reflects that I owe mortgage payments ; not to mention that I'm on debt collection auto-dial list, which calls my mobile as well as work ( very embarrassing ). This issue has also negatively impacted my credit. I call Planet multiple times each week for updates on the status and the representatives share " I apologize but Customer Service reps are short staffed, and this issue is currently being investigated ; check back next week ''. The say they have the necessary documents ( submitted by me ) to conclude their investigation. At this point I'm afraid to make a payment and it get tangled up in this mess. As soon as the issue resolved, I have the monies available to make XXXX and XXXX 's mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
Please see attached letter, which explains in detail the situation. In summary, Banco Popular is assessing outrageously high and inappropriate fees for me to access historical records of my account, that should be provided without cost.

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 2020-12-30 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Someone opened a credit card under my information this is not my account needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Centron Services
State: MT

Complaint narrative:
On XX/XX/2020 I contacted Centron Services and spoke with XXXX to set up payment arrangements for medical bills. I was told I would be sent paperwork to fill out and to have it back within 30 days. I did not receive the paperwork until XX/XX/XXXX, but still sent that paperwork back within 30 days of XX/XX/XXXX, this was verified, they received it XX/XX/XXXX. I was told I would be contacted back via phone message on a decision. I did not hear anything until XX/XX/XXXX, when I received a judgment in the mail from the court. I mistakenly thought perhaps this was a step in the process, so I did not contact Centron Services. On XX/XX/XXXX, I received an email from my work that they had received a garnishment order for my wages. I called Centron Services on XX/XX/XXXX and Spoke with XXXX to ask why I was not contacted as I was promised to set up payment arrangements. I was told that they had called me on XX/XX/XXXX and XX/XX/XXXX and left me a voicemail to do this. I told XXXX this was a lie, my phone is turned off during my working hours but a voicemail would still save, and no voicemails were left. XXXX said " the notes say a voicemail was left '', and she has no reason to not believe that. I again said that was a lie and asked for a copy of the voicemail, as I know from experience that calls are always recorded. XXXX refused that request. I still stand firm that I did not receive any phone calls and no voicemails were ever left. Centron Services lied to me from the start, never intending to take payments, which I offered and fully intended to make. They sent me the paperwork to do this, I filled out the paperwork and took copies of everything, sent it back in a timely matter, even early, and no one ever contacted me back, in fact they lied 100 % about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had planned to go on a trip to the XXXX departing on XX/XX/XXXX with a UK-based travel company named XXXX XXXX, which I had use for other trips in the past. 

I paid for the trip in installments from my checking account for the following amounts on four different dates : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Due to the COVID-19 pandemic, the trip to the XXXX for XX/XX/XXXX was cancelled. XXXX XXXX did offer to move the trip to an XX/XX/XXXX departure or switch to a different trip entirely, but made it clear that the money paid was non-refundable via emails sent to me on XX/XX/XXXX and XXXX of XXXX ( Attachment 01.pdf and Attachment 02.pdf ). 

On XX/XX/XXXX, I received an email informing me that XXXX XXXX is bankrupt and is no longer trading ( Attachment 03.pdf ). I was referred to a Frequently Asked Questions page on the XXXX XXXX website that would guide customers on how they can get their money back for their now canceled trip ( Attachment 04.pdf ). 

The website referenced a flowchart created by XXXX XXXX XXXX ( Page 3 of Attachment 05.pdf ) to show customers which option to pursue for requesting a refund. At the bottom of this flowchart is a message for XXXX and XXXX  customers, like myself, and the message states, Customers based outside of the XXXX and XXXX should pursue a claim via their bank or card provider. 

On XX/XX/XXXX, I submitted a claim to Chase Bank for the aforementioned transactions and I received a notification that a {$4100.00} temporary credit would be applied to my account while they did their research ( Attachment 06.pdf ). 

On XX/XX/XXXX, I received a letter from Chase Bank regarding the claim and I was informed that the credit would be removed on XX/XX/XXXX ( Attachment 07.pdf ). 

I reached back out to XXXX XXXX and to XXXX, their insolvency company, on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX ( Attachment 08.pdf ) that included a copy of their Terms and Conditions ( Attachment 09.pdf ) and a response from XXXX on XX/XX/XXXX ( Attachment 10.pdf ). Both XXXX XXXX and XXXX advised that I file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX Unauthorized transaction times and date Police report filed with XXXX police department PayPal prepaid card Customer service Im Writing in regards to being credited my XXXX. I was home in XXXX ca when I started receiving text messages at XXXX XXXX $ XXXX XXXX $ alerting that money was being withdrawn from my prepaid PayPal account XXXX at an XXXX atm located in XXXX XXXX Ca. I am a hard working front line worker for the county of XXXX XXXX. XXXX XXXX XXXX XXXX. I worked hard for the holidays I just had my money deposited into my account the night before. I have taken the extra mile and filed a police report with my jurisdiction department please can you have my funds credit back to my account so I can pay my bills these times are really hard for my family PayPal customer service is not helping one but Im receiving rude attitude theyre hanging up leaving me on hold just all around terrible assistance Ive been a loyal PAYPAL PREPAID CARD HOLDER FOR OVER 5 years

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX, 2020 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
For years now we have had an account at CitiBank ( Costco ) and have always made our payments online and on time. Because we discontinued our membership at Costco a year ago, they for some reason removed access to our online account ( where we made payments. ) Since that time we have gone round and round about making payments through our bill pay service at the bank, and because of the failure on their part to post correctly, we are getting charged undo interest and fees. We are currently paying this through our online banking with the information provided by them. I am consistently called and told I have a past due payment when it was sent weeks ago by my bank. Today they were calling me for {$7.00} in past due something, but will not allow me to pay less than my minimum payment. They tell me I should pay by calling in my payment, or setting up automatic payments, and I do not feel comfortable ( with this current screw-up ) I should have to do this. Every time I call to get help, I get transferred to multiple extensions and told I will be credited for this mix up, but that does not seem to happen and I continue to get calls. The overall impact on my credit is another issue because now they report me as paying late when I pay my payments. I am tired of having to explain this issue with every single person who calls me and get no resolution. They need to give me back my online access so I can pay through that portal. Oh the topper for all of this is they say I have to know the entire card number. Since I do not use it and closed the account at Costco I destroyed the cards. They will not send me nor provide me the account number. HELP!

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 2020-12-30 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: FL

Complaint narrative:
I am asking you to immediately delete information off of my credit report that isnt mine. I believe that this account is not mine and that my identity may have been stolen. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature, If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2020-12-30 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: LA

Complaint narrative:
On XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX services placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX XXXX center Placed an unauthorized inquiry on my credit report. 

On XXXX XXXX XXXX XXXX, placed an unauthorized inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I sent a certified letter to the debt collector regarding the debt and needing an itemized statement and validation that the debt belonged to me. A contract with my signature and explanation of the charges. I got no information back but company reported the account closed so i thought the matter was resolved but than placed the account back on my credit report months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I spoke to XXXX with Transunion. I requested to have unauthorized hard inquiries removed from my credit report under Section 611 of FCRA. I had already called and contacted creditors without any success. These excessive inquiries are adversely affecting my credit score.

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 2020-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: NJ

Complaint narrative:
After reviewing your postal mail letter I get the feel that I might not have explained things well enough. The XXXX XXXX policy dated XX/XX/XXXX that I originally sent you ( you can check the attachments online ) and you sent back to me has a legal description that is not anywhere close to the deed 's legal description. Outside of the wrong location the policy that you mailed me does NOT call out the seconds the policy contains only the degrees and the minutes and has no seconds in the legal description which means that the accuracy of the insured location without seconds means that the subject property could be several house away or even several blocks away. I attached the XXXX policy I picked up at the XXXX XXXX office in XXXX XXXX on XX/XX/XXXX and that policy also shows only minutes and degrees with no seconds meaning that the location could be blocks away from my house. In addition the legal description on the deed is very different. 
I looked all over and finally found the legal description page from the original purchase title policy and the legal description matches the deed. I remember getting a phone call from XXXX XXXX who asked me to locate the title policy and call him back. I located the policy and called him back and he told me to destroy that copy because it will cause confusion and faxed me another copy on XX/XX/XXXX. XXXX went as far as calling me back and asking where the page was and I told him in was in the garbage and that I should tear it up and I told him that I would tear it up. I grew suspicious when I hung up the phone and took the page out and put it aside, so there is the original. I am not sure if you are aware of the phone tampering and caller ID spoofing, call interception and voice impersonation I have been subjected to but it is clear I am being embezzled and I get the feeling that my problems started when I bought the house. Please take a look at all three attachments and PLEASE send me back a copy of the title policy with the insured location with an acceptable legal description that includes the degrees, minutes and seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 my bill on two Capital Bank cards did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Dear XXXX, I have received notification that someone is using a fraudulent email address, associated with my law firm domain, to send correspondence about credit card replacement. Below is the content of the email. I appreciate anything you can do. 

*************** [ from XXXX ] We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved. 

We've Received Your Replacement Card Request Business Platinum Card ACCOUNT STARTING WITH : XXXX PENDING BALANCE TRANSFER ON HOLD Dear customer, This message is in regards to a pending transfer to your account. We noticed that the information on your account is not valid hence the reason for the payment delay. 
We are sorry for this delay on your account. In order for us to approve this transfer it is required you provide your valid information by filling the security questions below : americanexpress.com/security-update This is in line with our commitment to providing the best experience during this festive season. We are sorry for the inconvenience Thank you. 
American Express Customer Care For your most up to date account information. 

We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 

2020 American Express. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30 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: TX

Complaint narrative:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX  Account Number XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY 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 2020-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NE

Complaint narrative:
In XXXX of this year, XX/XX/2020, I was upset about a fee with my account for U.S. Bank and the person on the other end of the phone call would not waive the fee eventhough it was a bank error. I got upset and used profanity. I then hung up and called another branch and they understood my situation and fixed the issue. I never once physically went into the first branch in regards to the problem. We spoke over the phone. The person I spoke to then told their boss and the Branch manager, XXXX XXXX, closed my account in XXXX or XXXX, I cant remember the month. I actually did business inside of the branch after that phone call and the branch manager even said she had seen me but didnt think to come to me to talk about the situation. Instead, she just closed my account. That was discrimination. I was literally upset over the phone and that does not give the branch manager the right to just close my account over an upset phone call. 
That is discrimination.

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