vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX  XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am showing 2 collections accounts on my credit report from the same creditor, which is a mistake. First the debt is not mind and I have fought with this company so many times over the past year. I have never received any Proof that this debt is my. Proof is my signature. I have asked several times through certified letters beginning on XX/XX/2017. I am showing XXXX XXXX via original creditor XXXX XXXX XXXX XXXX with a balance of {$760.00}. Also, I am showing XXXX XXXX XXXX via original creditor XXXX XXXX with a balance of {$850.00}. I need this corrected immediately. I do not have a debt with this creditor and it is the responsibility of the credit bureau to validate the information that is reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX I closed my BestBuy credit card ( CBNA ) due to the annual fee. CBNA did not properly close my acct which led to an annual fee in XX/XX/XXXX and subsequently led to my acct falling past due. When I called in they quickly remedied the charges and stated that the delinquency would be removed. However in XX/XX/XXXX of this year I called in because the delinquency remained on my report. The person I spoke with informed me that it would be taken care of no other information or efforts would be needed. I then received a letter asking me to provide my ssn and permission to alter my credit report from CBNA uncomfortable with this I called in and was told that my delinquency would remain despite their admission of failing to close my acct when requested. I spoke to them one last time to resolve the issue but was turned away and given no other option than to file an official complaint.

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 2018-05-01 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or about XX/XX/XXXX I called Chase XXXX to dispute a charge on my account from XXXX XXXX  for {$86.00} that appeared on XX/XX/XXXX. This charge was made electronically, one day prior to my actual stay at XXXX, where they charged me approximately {$100.00}, on XX/XX/XXXX. I originally disputed the XX/XX/XXXX charge as a duplicate payment. Chase reversed the charge and agreed to investigate with the merchant. 

On XX/XX/XXXX, without any notification from XXXX hotels or Chase, the charge was reapplied as a 'rebill '. I called Chase on XX/XX/XXXX, to inquire, and was told that the merchant had submitted 'documentation ' to say the charge was 'valid '. They would not disclose what this documentation was nor provide me with a copy. They simply informed me that the charge made on XX/XX/XXXX for {$86.00}, was a 'reservation ' charge that was 'non-refundable '. As I had never logged onto an XXXX website to submit my credit card information, and paid in full for my room in person, this explanation makes no sense. I made my reservation with a website called XXXX, and at no time was I informed that my payment was a reservation charge or that it was non-refundable. At no time did XXXX appear as the merchant submitting the charge or as the merchant explaining the charge in response to my dispute. At no time did XXXX disclose to me that 'reservations ' are non-refundable. At no time did I log onto an XXXX website, and therefore at no time did an XXXX website inform me that reservations are non-refundable. As such, I'm being charged {$86.00} by XXXX, to which I never submitted credit card information, to pay for a room I never stayed in. I think this is a simple case of XXXX taking funds for services they never provided, and Chase refusing to do an adequate investigation of the situation, and refusing to uphold the legal requirements to protect their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On or about XX/XX/2018 I made a request to PNC Bank to refund an overpayment of {$8000.00} linked to my PNC credit card. As of XX/XX/2018 PNC has refused refund the {$8000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Hard inquires on my credit report for XXXX XXXX XX/XX/XXXX and Sears/CBNA XX/XX/XXXX. This is both Sears accounts and I have not been to Sear for at least 15-20 years. and have not applied for any credit at Sears or XXXX XXXX. Can you correct this hard inquire and have it removed from my credit report. 

Thanks XXXX XXXX XXXX S.S # XXXX DOB # XX/XX/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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2017 I applied for the Synchrony Stash Rewards Hotel Credit Card. They advertised a promotional bonus of XXXX Stash rewards point after {$3000.00} of spend was met within 90 days. I applied for the card and was approved for the offer, but only received XXXX bonus points. 

Synchrony says that the XXXX offer was only meant for targeted users in an email, but I read the fine print on the application and no where did it say that. 

Numerous attempts calling Synchrony have not provided a resolution. Initially multiple reps said that they would issue the XXXX points at a later date. This never happened. Now they say I was not targeted for the offer and will not receive an additional bonus. They also did not provide any proof that I was not eligible due to the terms and conditions. 

This offer was publicly available on XXXX 's website, the application page did not ask for a special code, and the application page stated the terms would include XXXX points. Synchrony is not honoring their terms at the moment.

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 was my official day of receiving Welfare in the State of New York I went to ATM TD Bank on XXXX XXXX, XXXX and the newly install ATM in this Bank or Store did not accept the EBT Debt Card from the State of New York Welfare and I was not able to withdraw money from the EBT Debt Card is this legal that EBT Card is not able to used in this bank or store and is the United States Department of Agriculture aware that many or the ATM in the United States are not acceptable or capable of reading the EBT Cards and is this legal please investigate and all misconduct and mismanagement found all individuals involve be converted according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
We have a mortgage with Caliber Home Loan ( https : //www.caliberhomeloans.com ), account number XXXX. The mortgage consists of loan and escrow accounts both. On XX/XX/XXXX  the loan officer XXXX XXXX informed us the escrow amount was wrong. The overall monthly payment should be {$5900.00}, down from the wrong number {$7100.00}. Therefore the monthly mortgage I paid is {$6000.00} from XX/XX/XXXX 

However Caliber home loan does not update its system and think we are short of the monthly payment. The consequences are : 1. Our payment balance was messed up, both the loan and escrow account balance by wrong late fee and penalties which caused by Caliber itself. Please refer to the attached account payment history. According to my calculation, till XX/XX/XXXX, my loan balance should be {>= $1,000,000} and escrow balance is {$7000.00}. But Caliber shows the loan balance is {>= $1,000,000}. escrow balance is unknown. 

2. Caliber careless mistake leads to both my husband and my credit score sharply drop from 800 level down to 600 level. 

3. OnXX/XX/XXXX, Caliber sold the loan to central loan administration and report ( XXXX ), and passed all the wrong information like escrow amount, loan balance and escrow account balance to XXXX. Although Caliber promised to fix it for us, one month after the transaction, the mistake in XXXX has not get corrected. The record from  XXXX still shows our monthly payment is {$7100.00}. 

After the loan selling to XXXX, CALIBER did not inform us to pay XXXX afterwards. Without the right payment information, we paid our XX/XX/XXXX mortgage {$6000.00} to Caliber still. Although Caliber claimed that it forwarded the {$6000.00} to XXXX on XX/XX/XXXX, XXXX has not received it ever since. When both XXXX and us asked CALIBER to provide the express mail tracking number and check number, CALIBER just could not come up the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America credit card -Because BofA made a political statement about the XXXX XXXX they are forcing me to choose between my support of their company via a BofA credit card I use from my alma mater, and my support of the XXXX . They should stick to the business of banking and keep out of political arguments. I am very frustrated they have done this, and would like my complaint to be registered.

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 2018-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX I made a large payment to my student loan. I continued to make payments up until XX/XX/XXXX when I received a threatening phone call ( as well as my sister, best friend and father who have nothing to do with the loan ) that if I did not pay {$4000.00} by the end of the month, I would be sued. I was at that time told by the representative from Navient that my loan was in default and none of my payments since XX/XX/XXXX had been applied to my loan. At that time I pulled up all of my account records and bank statements which showed nothing that indicated there was anything wrong with my account and they had pulled the money from my bank. I contacted an attorney at that time as they have not stopped harassing me or my family and refuse to answer where my money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation letter dated XX/XX/XXXX, I received a letter from them on XX/XX/XXXX with a printed document that doesn't validate the debt for the second time. The first letter was sent The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: CA

Complaint narrative:
My issues with XXXX XXXX XXXX. I have written four times pointing out that two accounts are being incorrectly reported. The same matter has been rectified by the two other reporting agencies. adverse entry from XXXX and XXXX XXXX Both events began in XX/XX/XXXX. I was in the modification process with both lenders. XXXX was resolved in XX/XX/XXXX and the account went to current. XXXX   was resolved in XX/XX/XXXX and went to current at that time. 
Trans Union is going back to the seven year cut off but refuses to clear the adverse entries during the period " Subsequent to the commencement of the delinquency '' So some of the adverse entries, both of which started in XX/XX/XXXX and continued into XX/XX/XXXX and XX/XX/XXXX remain on my credit report. I have attached documents to support my position.

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 2018-05-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EDvantage LLC
State: CA

Complaint narrative:
I had mailed them a letter datedXX/XX/XXXXrequesting that they discontinue calling me. I had received an acknowledgement letter to my request dated XX/XX/XXXX. I did receive another phone call from them on XX/XX/XXXX at XXXX XXXX in which they did not leave a message. Then I have received another phone call with a voice mail from supervisor named XXXX XXXX this morning XX/XX/XXXX at XXXX XXXX wanting to follow up on my letter asking them not to call me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
XXXX/XXXX  is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

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 2018-05-01 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: TN

Complaint narrative:
XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: TN

Complaint narrative:
XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.

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 2018-05-01 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: OH

Complaint narrative:
Late payment error on my account. I had it corrected by the lender a month earlier and it automatically showed up on the other credit reporting companies. Equifax wants 30 days to update my account. I am applying for insurance and my company uses credit score in setting rates. So Equifax wants to drag out 30 days at my expence. Tried to correct and file disputes on line to no avail. Instructed to call after 45 minute and a supervisor who only will go by " Only XXXX In XXXX call center '' She went on to file a dispute and tell me 30 days is the best they can do. She said the problem with my account is someone put XXXX after my name resulting in all the issues. I told her I dont go by XXXX or is it not on my ids. She had the crazy idea I had to prove this by sending in copies of my drivers liscence and social security card and this is to the XXXX to a indivual who would only identify her self as " only XXXX  ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
I have written to Calvary Portfolio on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They continued to stonewall me and and not answer my request for validation as required by law.

Company response to consumer: Closed with explanation