vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
One of my credit card rewards is an annual {$100.00} travel credit for qualifying travel charges on the credit card. On XX/XX/20, I charged two travel expenses to my credit card for a total amount of {$60.00} and I properly received a {$60.00} travel credit on my next billing cycle. On XX/XX/20, I charged {$170.00} to my credit card for an XXXX car rental. Because I had already used {$60.00} of the {$100.00} travel credit, I should have been credited {$40.00} on my next billing cycle for the car rental charge. When the credit didn't appear on my credit card, I contacted PenFed Credit Union regarding the credit in late XXXX. I received an email from XXXX XXXX on XX/XX/20 confirming that I would be credited {$40.00} and I would need to wait one billing cycle to see the {$40.00}. ( I have the email for proof. ) I waited one billing cycle XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union again and was verbally told that the credit was processed and to wait one billing cycle. I waited one billing cycle again XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union for a third time on XX/XX/20 and vented my frustration with obtaining my credit. The representative assured me that my credit was coming and that it would be processed within 24-48 hours. When no credit appeared after 144 hours ( 6 days ), I called PenFed Credit Union a fourth time. This time the representative said that my XXXX car rental was not a " qualifying purchase '' and I was technically not due a credit. However, the representative indicated that the notes on the account show a promise to issue the credit and, thus, they would still credit my account the {$40.00}. However, I needed to wait a few more days to see the credit. At this point, I'm tired of dealing with their excuses and their lack of follow up. My issue was raised in XXXX and it's still not resolved after multiple unfilled promises by PenFed Credit Union and multiple follow up attempts on my part.

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 2020-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: CA

Complaint narrative:
Received a letter Demanding payment of a medical debt that is not mine. I wrote to the attorney and filed a complaint with the Texas Attorney General. I have since received a second letter with the same demand. The medical bills that the law offices of Mitchell D. Bluhm & Associates , LLC from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and/or XXXX XXXX XXXX, have nothing to do with me and they were previously advised. I have asked for a copy of the original medical billing and been denied. It appears that The Law Offices OF Mitchell D. Bluhm & Associates , LLC is trying to run a scam and intimidate people into paying money they do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-08 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: Home Loan Center, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I did a no impact credit offer/inquiry with lending tree, but XXXX pulled my credit. I didn't even give lending tree all my information or full social. I don't know why this company XXXX did a hard inquiry with no authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have applied for loan modification for a coarse of 3 years, and every time denied for the same reason. As a result I filed for bankruptcy protection to save the home. On all accounts the response was denial due to 80 % loan to value, which is false. I live in a very popular part of the country where an influx of people are moving from all over the USA and world, in saying this my equity continues to climb, being that Ive owned the home since XXXX. I got behind in XXXX due to a XXXX XXXX, divorce, and loss of job bam all together. I have paid back all except {$13000.00} and wanted to roll the rest into the home in a conventional loan. Last week I called as well as today, to follow up on a second review for a modification, and they didnt have my contact number, the number they had was from XXXX. I was also told by the representative that I needed to contact the investors and they had received my information. Im concerned during Covid Im going to be in the street. I have been working consistently for 3 years and continue to excel as well my son came home and is dedicated to help as well and committed his income but to no avail. Im desperate in saving my family home. Its not a huge home but its mine. Who would rent to me with a bankruptcy never mind that A due to growth theres nothing to rent and B you guessed everything is expensive if you can get it. 

Grateful for your time Best 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 2020-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I believe that my Heloc is taking advantage of me through their charges on my monthly payments, I have been paying ballooned payments to the principle for over a year now on those over payments they are taking service fees out of the principle payments I believe this loan as is is charging me way to high interest charges I need help to see if I'm not getting taken advantage of, I am retired and on a Budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Security National Automotive Acceptance
State: FL

Complaint narrative:
XXXX  SNAAC tradeline was deleted from credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
Unable to get the title or a lien Release for my XXXX  XXXX from Kia Finance in XXXX XXXX CA. This car has been paid for since XX/XX/2020. ( I started the process with this company in XX/XX/2020 to perform the buy out ) I received a letter XX/XX/2020 that my leased vehicle has been purchased by XXXX XXXX XXXX, but the title/lien release was never sent. ( Still do not understand why since the money was sent to Kia in XXXX with the paperwork which we have had to supply 3 times on why it took until XXXX to get this letter ) I have contacted Kia multiple times but they have not provided the required information to the credit- union. XXXX XXXX XXXX has contacted this company multiple times with no success as well. They currently use number XXXX which funnels all calls to a customer service desk and they are unable to assist you. I have asked to speak to a manager on several occasions about this issue, they too where unable and did not want to help. I have contacted the dealership where I had purchased the call but they are not affiliated with this leasing company and could not help me. I have contacted Kia Motors directly and they said that since the leasing company was separate they could not help me either. I am currently paying for a car ( I have been making payments since XXXX to XXXX XXXX that I can not drive since the plates expired in 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 2020-12-08 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: CA

Complaint narrative:
The companies response is that I hired a credit repair company. I sent in the FTC reports andXX/XX/XXXX data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the XX/XX/XXXX data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the XX/XX/XXXX data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.

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 2020-12-08 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.

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 2020-12-08 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: GA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.

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 2020-12-08 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: GA

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts. I believe that i was victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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:
I received my credit report and found two inquiries I did not authorize. One was from XX/XX/XXXXand the other was from 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 2020-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/20 XXXX processed refund to Paypal of {$340.00} for 2 non delivered futon sofas. Paypal refused to refund my 1st payment of {$86.00} unless I pay the other 3 equal payments even though they were paid in full by XXXX on the same day, thus forcing me to close debit card used and file chargeback with bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I mistakenly deposited a large check into my Citi credit card account instead of into my Citi checking account. ( By the way - I owe nothing to my credit card. ) This happened nearly 3 weeks ago on XX/XX/XXXX. I called CitiBank on XX/XX/XXXX and told them that I had mistakenly deposited the amount into the wrong Citi Account. I was assured that the check would be deposited into my checking account immediately. After a week, the error had not been corrected. I call back and was unable to find anyone who could explain to me why the check has not been deposited correctly. It has now been nearly 3 weeks and the bank refuses to return my money. 

This is an accounting error and Citi bank is holding a large sum of money hostage without explaining why or explaining when the money will be returned.

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 2020-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
hello. i am not writing this against bank of america. but the dispute that is open they must know I NEVER RECEIVED PRODUCT IT MAY HAVE BEEN STOLEN AND RELATIVE TO CARD ENDING XXXX i told this to XXXX. never received the product not paying it never got it. so the letter i received said wait to hear from us

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 2020-12-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I was offered forbearance by BOA by email and was approved for 3 months ending XX/XX/2020. I was promised under CARES that I will get up to 180 days extension once this period is ending, but BOA is not approving my forebearance extension for over 2 months now in flagrant violation of XXXX and CARES guidelines.

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 2020-12-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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 2020-12-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, my Bank of America debit card was compromised and used to commit fraud in a series of three transactions. Within a matter of hours, there was a fraudulent ATM withdrawal equal to {$1000.00}, and there were two other fraudulent purchases in the amounts of {$300.00} and {$550.00}. All fraudulent transactions occurred in XXXX CA. BofA sent me a fraud alert and reissued me a new card. I then submitted a fraud claim with BofA for the 3 transactions. BofA has since denied all of my claims without providing any sort of documentation or reasonable explanation. It has been almost two months and I have been out {$2000.00} during this entire time. This has created a significant financial hardship for me as I am currently unemployed due to COVID-19. I have contacted BofA multiple times and they have been extremely UNHELPFUL. Please note that I was not even in the state of CA when these fraudulent transactions were completed. I was in NV on vacation. I dont know what else to do. Can you PLEASE HELP ME? I strongly believe that BofA is acting in bad faith by not providing any transparency regarding my claims and by not allowing any sort of due process or recourse to me as a customer. I believe there actions equate to A MISAPPROPRIATION OF FUNDS and they have be held ACCOUNTABLE. 

My name is XXXX and I can be reached at XXXX. I hope to be contacted soon. 
Thank you in advance. 
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 2020-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Harpeth Financial Services, LLC
State: ID

Complaint narrative:
Notification was given to me through legal affiliation that I was being notified by a local attorney and debt collector of a debt owed to an online lamp company in the amount of XXXX dollars for a XXXX dollar loan. 
A response was sent in the form of a validation of debt request in my behalf. 22 days later a response was sent back with a generic arbitration outline, a generic statement of charges and a letter from the representative stating the debt " appears '' to be valid and that " I should contact '' thier office and they would continue to pursue collection actions which " could include legal actions. '' The requirements of the FDCPA and FCRA minimums were not met as per the FDCPA. 
No contract with a wet ink signature provided, generic statements with no banking information provided. 
Further validation with valid information must be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Hello, I was working with AmeriSave to refinance my home and worked with XXXX XXXX. We went through the entire process and was told that if the refinance did not work out or we decided not to proceed we would get a refund of our {$500.00}. I have all the texts and when we started the process we were told we should try again in XXXX. Now that XXXX is her my husband and I decided this just isnt working out for us and would like our refund. XXXX had called me when I reached out and told me he no longer works there and gave me his bosses number/email at AmeriSave XXXX XXXX XXXX to request my refund. I have made multipule attempts to reach out with no response. I made this payment on my XXXX XXXX credit card on XXXX XXXX. I am just asking for a refund as I was told it was refundable due to being a refural.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation