vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-22 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
In 2013 my wife and I went to a resort called XXXX XXXX in XXXX. I already had a time share with Wyndham resorts  which I still currently own. A salesperson at XXXX XXXX XXXX, during a presentation, led us to believe that XXXX XXXX would buy out current contract with Wyndham Resorts which was completely fraudulent. We had to open up credit card with Barclays Bank Delaware ( Barclaycard ) to facilitate transaction. Upon return I found out that the claim of buying out my contract was fraudulent so I contacted Barclays and sent them handwritten note from salesperson XXXX  ( no last name ) to that fact. They did not investigate and turned account over to collections. I retained an attorney who on my behalf threatened to file suit and they agreed to discharge debt. I attempted to file suit against XXXX XXXX in XXXX, but, since international, decided not to pursue. I always have had excellent payment records but for this. I believe Barclays did not take the fraudulent claim into account and did not investigate because of their affiliation with XXXX XXXX. Since account has been discharged without prejudice I would like these late payments to be annulled from my credit and my good credit should be restored.

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 2021-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/2021 I paid off my Citi bank Costco credit card the balance was XXXX. I was given a confirmation number of XXXX and a document that showed the account paid in full with no payment due and no current balance. Later, XX/XX/2021, I received an email stating that owed {$370.00}. On XX/XX/2021 at XXXX XXXX after learning about the e-mail I called the customer service number and talked to an representative about the issue. They told me it was a finance charge. I had not used the card for anything and had placed a block on the card so others could not use it either in XX/XX/2021. I asked to remove the charge and she said she would try but was not always allowed to do so. She told me that she had removed the charge and everything was all set. I asked if I again had a XXXX balance and she said yes. I then asked her to close the account. She explained that I would forfeit the rewards I had accumulated on the account and I said that was fine. She explained that I would be getting confirmation that the account was closed. 
On XX/XX/2021 I received a letter in the mail from Citi that was dated XX/XX/2021 stating that " We've determined that your account is not eligible for a credit of the finance charges. '' I called about this and was told that I would have to pay the charges. I do not believe that I should have these charges because I was provided with a document that showed a XXXX balance by them and have a reference number to prove this. I also was told by a company representative that I had the charge removed, I also had closed my account after making sure that all charges were removed and the balance was XXXX. Lastly how can I be charged after the account had been closed with a XXXX balance? Furthermore the interest rate charged on this card after missing an ontime payment was extremely high and was a severe hardship on my family. We felt we did the right thing by the company and paid our bill in full as soon as we were able. Only to feel further pressured by them after wanting to distance ourselves from this corporation.

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 2021-09-22 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 — Investigation took more than 30 days
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
Attention : Consumer Financial Protection Bureau I sent a letter to Oxygen Recovery Group ; also referred to as OXYGEN XL disputing an account as erroneous on XX/XX/2021, and mailed OXYGEN XL a certified letter, return receipt requested. It is now XX/XX/2021 and I have not received a response from OXYGEN XL. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), OXYGEN XL has ( 30 ) days to investigate my dispute. OXYGEN XL has not verified the information within the 30 day time period, OXYGEN XL must delete all of the disputed accounts from my report. OXYGEN XL must now delete the disputed and unverified account. Failure to do so may result in a {$1000.00} fine per undeleted item. Attached is a copy of the postal receipt of my credit dispute to OXYGEN XL and a copy of my original letter showing the account I have disputed. Thanks in advance to your timely response to this request. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
I started the process of refinancing my house with Loan Depot, at the time of the application it was clearly communicated to the the loan officer XXXX XXXX that I have an existing second mortgage on my house, the loan officer assured me that the loan refinance process will be completed in 45 days and he locked me on a 45 day rate lock. A rate of 3.00 % was locked in with a lender credit of {$2000.00}. To my surprise 25-30 days into the loan I received an email from the loan processor stating that the company does not do subordinations and will not be able to process my loan, at this point my loan was escalated to XXXX XXXX manager for the loan officer who assured me that they will be able to do subordinations and will get my loan processed with in aforementioned timeframe. A little over two months passed by and finally loan depot was able to receive the subordination. But by this time loan depot was charging me multiple rate lock extensions even though there was no delay from my side in providing any documentation. At this point I came to the realization that loan depot was duping the unknowing customers by locking them in on short term locks and charging then unnecessary fees for rate lock extensions. At this point I escalated the issue with multiple people on multiple levels with no communication, realizing that no one was communicating back with me because I was a person of XXXX and they could take advantage of a person of XXXX. On multiple levels I was assured that some one look into the matter but because I was a person of XXXX and no one thought that my loan mattered I was passed on from one person to another. Finally after hundreds of escalations I was assured that all the extension fees would be removed and my lender credit of {$2000.00} would restored. This morning I received that my final closing disclosures and realized that loan depot did not keep their promise and shrank my lender credit to {$630.00}. At this point I find that even though Loan Depot and its manager might not be overtly discriminatory but for sure are providing disparate treatment to people of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
This has been going on for over 6 months, I attempt to use the card and they will not allow me to use it on the most recent purchases made XX/XX/2021 Total {$860.00} and XX/XX/2021 Total {$120.00}. The second order # XXXX, they cancelled 2 days after I made the order. This lack of access to my account of has caused me to lose out on {$50.00} in Macy 's as well as my Platinum status with the card which is also a loss of benefits. A representative placed a hold on my account without notification and restricted my account use and I have lost access to {$2500.00} in my available credit. When questioned, they refuse to tell me who placed the hold and when. They have cancelled over 7 orders in the last year totally {$1500.00}. Additionally, they have requested I give them the password to my account to representatives in the XXXX ( which is not advised as a XXXX XXXX XXXX XXXX ). They apologize but will not restore my Platinum status or give me the {$50.00} in funds to shop with that I lost on.

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 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I engaged in a consumer credit transaction for an alleged mortgage loan with XXXX XXXX  XXXX. In XXXX without my previous written consent or knowledge, I received notice that my alleged loan would now be serviced by LoanCare LLC and all payments and communication would now be with them. I did not provide consent for my personal information to be obtained and this is a violation of 18 USC 1028A. I began to receive deceptive forms and statements from LoanCare and continued to be harassed repeatedly. Although I submitted a validation of debt to LoanCare in XX/XX/XXXX, I still was hounded and harassed by them. They furnished false information on my consumer reports hindering my job seeking and eventually causing monetary losses due to additional funding needed for new living arrangements due to the false information shown.LoanCare continued to send abusing and fearful tactics until I was bamboozled into selling my domicile in XX/XX/XXXX after the continued threats.

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 2021-09-22 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: AES/PHEAA
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: Freedom Mortgage Company
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late as reported in 3 Credit Bureaus. I have read enough to understand my rights. The late history should not be showing late because I think I paid on time. The Bureaus are attempting to violate this clear understanding, please reinvestigate the whole information especially the account status, balance, and comments. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-09-22 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting 30 days late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My Complaint is Against United Wholesale Mortgage ( UWM ). 
On XX/XX/XXXX my loan was paid in full ( by way of a Refinance also with UWM. I have never had an Escrow account with either of my mortgages with UWM ( I pay my own property taxes and homeowners insurance ). I am owed a Refund for Overpayment of the Paid in full loan- Not a refund of any Escrow account as I've never had an escrow account with UWM. The amount I'm owed is in Excess of {$3500.00}. It is now XX/XX/XXXX ( 41 Days Later ) and I have still not received my money. 

On XX/XX/XXXX as per UWM online records, UWM received wired funds to pay the mortgage in Full of {$480000.00}. On that day the Principal Balance indicated on their website was {$480000.00}.

On the UWM Website, it indicates 2 refund payments, one for {$3600.00} and another for {$4.00} both on XX/XX/XXXX and both with the reference " Escrow to Mortgagor Disbursement '' On Monday XX/XX/XXXX at XXXX XXXX, I called UWM to find out the status of my refund ( Loan had been paid off over 30 days at this point ). I spoke with the initial representative and then a supervisor ( didn't document their names ). They both gave me different dates as to when my Check had been mailed out and the initial representative further told me that they do not control the USPS. After getting conflicting information as to when it was mailed and when I might reasonably expect to receive my refund, the supervisor said that it could take up to 10 days from mailing date and recommended I wait until at least the end of the week to see if it arrives in the mail ( XX/XX/XXXX or XXXX ). 

On Wednesday XX/XX/XXXX at XXXX XXXX, I called UWM for a 2nd time, this time Representative XXXX told me they recommend waiting at least 21 days from mailing date and so i should wait a while longer. I told her that was now unacceptable and that I wanted the payment reissued to me in an overnight package. She sd. that couldn't be done. I asked why a multibillion dollar corporation could not use XXXX or XXXX  XXXX to expedite my overdue refund. She just continued to say it was not possible. Lastly, I asked simply how I could get my money as soon as possible. XXXX sd. that all she could do was request a cancellation of the supposedly mailed check and reissue which would now take 3 to 4 days of additional processing time and then whatever regular USPS mail time would be. I said OK, well whatever you need to do to get me my money. 

I feel that UWM is playing games, is not being forthright in issuing me a Refund and may be in breach of the law. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

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 2021-09-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Tuesday XX/XX/XXXX : My wife receives notification of a Chase Fraud alert for a {$460.00} charge at XXXXXXXX XXXX in XXXX  and {$210.00} at XXXX XXXX ( She was on vacation in XXXX, I was at our home in XXXX XXXX  ). Her purse was stolen out of our car at the XXXX in XXXX XXXX and the criminal had our credit cards and her ID. Law enforcement was engaged and police report XXXX. While police and wife were engaging in XXXX, I was at the local chase bank here in XXXX, XXXX  closing accounts and getting cards reissued ( 2 hours in the local branch with my XXXX XXXX XXXX daughter ). The associate also had chase fraud on the phone. I was sharing information about the case with chase fraud/associate that my wife was providing to the law enforcement. ( Sheriffs name, camera footage from the hotel where purse was stolen, etc. ). During this time, the thief tried charging an addition {$1200.00} at a XXXX which was denied by chase fraud. 
I have engaged XXXX XXXX who is the VP of the branch bank in arizona at XXXX XXXX XXXX location . He knows me and knows that I was in the bank that day dealing with this. 
To date XXXX : Chase has denied to refund these charges even though I have asked for 3 reviews ; I have provided the police report number, asked them to pull cameras or audio details from the day it happened, asked them to consult their VP of the local branch to confirm my identity and the incident ... ..all to no avail. We had an HSA card from a different bank that was stolen and used and this was taken care of in 7 days with no issues. Not sure why the largest bank in the US does not offer the same security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries were enter on my credit report without my knowledge. I did not authorize my credit to be pulled by the following companies. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please remove these items from 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 2021-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK
State: CO

Complaint narrative:
I went onto the court docket to confirm a court appearance for a unrelated speeding ticket when I became aware that this Law Firm had filed a lawsuit. When I obtained a copy of the Return of Service, it said I had been personally served with the documents on a date and time that was not true. I was at work during this time and my home security videos dont show anyone attempting service. I contacted the Law Firm and Process Service Company to inform them that I had never been personally served and explained that the process server had lied on the Return of Service. A couple of weeks later, this Law Firm then filed an Amended Return of Service with the same incorrect date and time of service only changing the signing date so that it could meet the 14 days before hearing requirement. Again, I was never personally served. Under Colorado Simplified Procedure, service must be made 14 days before the hearing date and service must be done in person. I contacted the Law Firm and Process Service Company again explaining that I had not been served and that this was the second time they provided false information under perjury. Now I wonder how many default judgments has this Law Firm obtained by lying about service and people have no clue a lawsuit even exists. I have been professional with both companies and requested that this false information be corrected. To date, there has not been a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation