vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I made reservations with XXXX XXXX XXXXXXXX using a loan through Affirm. The loan amount was for {$1400.00} with an APR of 29.99 %. I took out the loan to go to California to bury my father. 

On XX/XX/XXXX, my son, daughter, and I checked into the XXXX XXXX by XXXX XXXX. As we walked down the hallway, I noticed a large hole in the wall. We then proceeded to our room and noticed in the bedroom the top of the headboards and the mirror were very dusty ; I found this out because my XXXX started bothering me. The windowsill was rusted in the bedroom ( see picture ), and the paint was peeling away as well. The sink 's faucet in the bedroom, when turned on, was barely a trickle. The bathroom 's wallpaper was peeling from the wall. The toilet stopped up, and after a few phone calls, we finally received a plunger. There were not enough towels for the three of us, and my children had to go downstairs because no one ever brought them up to us. The pool was a murky green, which was really evident when the pool man used a brush to sweep the algae from the sides and bottom of the pool. I have stayed in XXXX hotels in the past and never had an issue, I specifically chose this hotel because it was close to the mortuary where my father was to be laid to rest. 

I contacted XXXXXXXX XXXX and was told to contact the general manager of the hotel who was not able to help me and told me to call XXXX XXXX XXXX. I also called Affirm who too could not help me because I already had this loan established with them. I then had to call XXXX and a new reservation was made for us to be switched to another XXXX hotel ; however, when we went downstairs to the front desk to let them know we were being transferred to another XXXX hotel, the young lady checked us out. We then proceeded to the XXXX XXXX, where the new reservation was. The young lady tried to pull up our reservation and told us they had no reservation for us. 

I found out that when the young lady, who was in training, at XXXX XXXX had canceled our room, she had inadvertently canceled not only the current reservation but the new one as well. My children and I were without a place to stay and had to stay at a cousin 's place. What an inconvenience this fiasco was! This was a very stressful time for us and when we were without a place to stay it was detrimental to us as well. Imagine being literally put out on the street, that is how we felt!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have requested a copy of my credit report twice to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with Equifax for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. XXXX XXXX XXXX was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with Equifax should read a charged off debt and not active revolving debt with monthly payments due. Moreover, XXXX  never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means XXXX  is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
NewRez account number : XXXX We need our mortgage servicer NewRez LLC DBA Shellpoint Mortgage Servicing to confirm that they have received our XXXX policy renewal documents for our homeowners insurance of which NewRez needs to pay from our escrow account. We had issues last year with NewRez claiming they had not received the proper documents etc which resulted in NewrRez telling us that they would be buying lender placed insurance on our home, NewRez did pay our XXXX insurance policy on XX/XX/XXXX. We would like to avoid receiving any letters this year telling us that NewRez will be buying Lender Placed Insurance on our mortgage. We ask that NewRez confirm receipt of our XXXX Homeowners Policy Documents from XXXX and immediately make a payment for the renewal of our XXXX Homeowners Insurance Policy. 

We have included our XXXX insurance renewal policy documents for our XXXX XXXX Homeowners Insurance Policy. NewRez should of already received the XXXX renewal policy documents for our homeowners insurance policy directly from XXXX ( the company that provides our homeowners insurance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: DE

Complaint narrative:
I ordered clothes from XXXX online that was supposed to be delivered to my home. Due to renovations at our home, we were relocated and I reached out to Free People to request that they have our package held at the local FedEx to avoid the package being stolen. XXXX XXXX customer service promised the packages would be held at the local office but the packages were delivered to our home anyway. When I told XXXX XXXX XXXXhat the packages were delivered and we werent home, they told me that I needed to go through my home owners insurance to pay for the missing package. I then disputed this charge through Chase four times and provided text message proof of the conversation where XXXX XXXX promised not to have the packages delivered to our home. We also advised Chase that we never received the merchandise. Chase declined every dispute saying they dont see anything wrong and theres no reason to refund the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I requested to close my Chase card ending XXXX, Chase did appears to close this account. 

But Chase keeps sending me blank checks to be used against the closed account. I consider this practice fraudulent, since I did not request these credit card blank checks. 

I tried to login to the closed credit card account, to log complain against this practice of sending blank checks for closed credit card account, I couldn't because the online access appears to no longer available. 

I will not be responsible in the event the blank checks are used by unauthorized people. I want Chase to discontinue all correspondence on all my requested closed accounts with Chase. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a new account with BBnT, now Truist. I was traveling. I thought I transferred some funds from XXXX into said account. I made a charge and it went through thus thinking yes I had made said deposit. I returned home form my business trip and realized on Monday that several charges had gone thru with resulting overdraft charges of {$36.00} x XXXX. I was also hit with an additional overdraft fee a week later a s I tried to fight these fees. I reached out to the Truist XXXX line and they could not reverse any of the charges nor turn off the feature allowing me to spend money that is not in my account feature. I then reached out to my banker, but he did not respond. I later went into a branch a week later when I could and found out he had left the bank and I had a new banker. He did not respond to my voicemails or emails even though they were forwarded to him.He also has been unable to reverse any of the charges nor turn off the money I don't have spend feature. Is this legal? I'd like the 6 overdrafts reversed and this feature that allows endless use of funds that I do not have and subsequent overdraft fees turned off on my account. Please 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 explanation
Consumer complaint received 2021-12-22 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: LA

Complaint narrative:
I have requested a copy of my credit report twice to no avail.

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 2021-12-22 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: LA

Complaint narrative:
I have requested a copy of my credit report twice to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My experience with Citibank has been awful. About two weeks after I opened a few accounts with them : Personal, Business, and a Joint checking with my husband. Every account was suddenly blocked. 

I spent my whole Saturday morning on the phone trying to figure out what happened and got nowhere. I ended up going to a branch Monday and after much research we found it was due to a check I deposited. My neighbor wrote my business a check for services and Citibank determined this to be a fraudulent check without even reaching out to my neighbor to confirm. My neighbor is also a Citibank customer. My neighbor went to the branch to confirm that it was him that wrote the check and it was in-fact valid. It tooks days to finally get access back to my funds and accounts restored. 

Between then and now I've had issues transferring money in where the transfers will not go through. 

But today, XX/XX/2021, I login to my Citi account and notice that my Savings account is showing " Blocked ''. I just opened this account recently. 

I then logged into my joint checking and noticed that this account shows " Blocked '' as well. 

I call up and I'm told that the account was blocked and I will be mailed a check with any funds that may be present within 90 days with no reason given whatsoever. They said the local branch will not help me either. NOT COOL! I just switched my direct deposit to the XXXX account and now I am not going to receive my holiday bonus and regular paycheck right before XXXX. 

I switched to Citi on the recommendation from a friend, since I switched from XXXX to Citi I have had so many issues and it's caused me stress on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: GA

Complaint narrative:
YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON XXXX, EXPERIAN AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX  # XXXX AMOUNT {$6100.00} AND XXXX XXXX  {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016

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 2021-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I became pre-qualified to finance a vehicle through Capital One Auto Finance on XX/XX/XXXX. The amount I was pre-qualified for was up to {$55000.00}. I was given a deadline by capital one to finance a car by XX/XX/XXXX or lose my pre-qualification. In the instructions they provide to finding a eligible car to finance, they ( Capital One ) instructed me to use their Capital One Auto Navigator website. The website : https : //www.capitalone.com/cars/. The website is supposed to list vehicles that are eligible for Capital one financing with the APR rate. I found a few vehicles on the site that I liked based on the number of seats, mileage, and price. One in particular, a XXXX XXXX XXXX XXXX for {$29000.00} did not provide an APR rate. Instead it listed the vehicle as " Unable to calculate a monthly payment and APR. '' I've called Capital One customer service multiple times and they informed me each time that the reason the APR is not calculating is because A ) the dealership did not provide enough information or B ) the dealership has the vehicle listed as a commercial vehicle and to call the dealership directly to submit my application for a hard credit inquiry to get the APR rate. I called the dealership in XXXX MA and XXXX the salesman informed me that the vehicle was a commercial vehicle. On XX/XX/XXXX, I was escalated to XXXX a solutions specialist at Capital One Auto Finance and she informed me that the dealerships they partner with are aware that Capital One does NOT finance commercial vehicles. Capital One and the partnered dealerships are aware that Capital One Auto Finance does not finance commercial vehicles, then commercial vehicles should not be listed on the website as eligible vehicles for financing. Its misleading sales tactics that play on deadlines and word play.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : TransUnion : 1. XXXX XXXX Date : XX/XX/XXXX 2. XXXXXXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX Date : XX/XX/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 2021-12-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: Real Time Group, Inc.
State: CA

Complaint narrative:
Per the attached credit report, Real Time Resolutions is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, RTR never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: HI

Complaint narrative:
I booked a room ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021 with CITI Advantage credit card via XXXX with the terms and condition that non refundable unless it is cancelled by XXXX XX/XX/2021. 

The cancellation was completed at the time of arrival at the hotel in person ( XXXX XX/XX/2021 ) due to the inability to provide the listed service due to COVID. 
The letter of free cancellation with no penalty was issued. 

XXXX posted the payment on XX/XX/2021 I attempted to work with the merchant ( XXXX  ) to receive the refund via numerous e mails and hours of phone calls, but the response from XXXX was consisted with the unwillingness to issue the refund and refused to consider the evidences I provided with the letter of cancellation and e mail with the terms and conditions from XXXX, letter from the property manager confirming the cancellation, no penalty, the unauthorized payment transaction, the cancellation time ( XXXX; XXXX XX/XX/2021 VS the posted payment by XXXX on XX/XX/2021 ). 

I filed the dispute charge to CITI Bank on XX/XX/2021, provided all of the above documents proving the cancellation, for the refund, But CITI absolutely did nothing for the consumer, rather demand unfair, unjust and bias demands to consumer to provide the credit slip between the hotel and XXXX which the consumer has no legal right to obtain, and for the payment of the unjustified charge by XXXX, the fraudulent business practice by XXXX that NO REFUND at all cost for their financial benefit. Theres plenty of cases similar to my case on social media.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. These accounts were already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.

Company response to consumer: Closed with explanation