vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a charge for XXXX was disputed by me against the merchant XXXXXXXX. 

Based on discussion with Merchant XXXX charge was due to unreturned equipment which consumer XXXX XXXX returned. 

The merchant XXXX refunded the amount to Chase credit card company in the amount of XXXX in regards to successful return by consumer of equipment on XX/XX/XXXX. 

This refund has not appeared on consumer credit card account as of XX/XX/XXXX as which the date consumer made a request to Chase credit card company at fax number XXXX reopen claim as refund was received by chase credit card company on XX/XX/XXXX yet not credited to Consumer account. 

Based on a letter received XX/XX/XXXX received from credit card issuer Chase Bank the charges were valid and would not issue the refund provided to Chase credit card from XXXX  on behalf of XXXX XXXX as Chase credit card company found it beneficial to act in bad faith against credit card consumers a it was more in their interest for Chase credit card company to charge consumers interest on righteously merchant returned refunds than to return said refund to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
FridayIdepositedacheckandwastoldIneededtopayafeetoaccessmymoney.However,myaccountwasalreadyoverdraftedandIcouldn'taffordthefee.SoIcalledandwastoldmycheckwouldbeavailableMonday,whichwasalie,andothertoldmeTuesday.Pncbankisnotgoodfortheworkingpoor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

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 2019-04-01 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be entitled to damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I returned my lease on XX/XX/XXXX ( the lease was technically over XX/XX/XXXX ). I received a bill on XX/XX/XXXX from XXXX XXXX XXXX for {$110.00} in property tax for XXXX. I started receiving regular calls to collect the balance for the entire year. I spoke with multiple representatives and supervisors to express that I did not believe I should have to pay property tax for an entire year on a vehicle that I only leased for 8 days in XXXX. I asked multiple times to have my contract sent to me to prove that I was responsible for paying property tax even after I returned the vehicle. I have called the XXXX XXXX Central Appraisal District multiple times and they told me they can not split up property tax charges and so it would be up to me to deal with XXXX. I calculated the daily cost of the property tax, and based on returning the vehicle on XX/XX/XXXX I should be responsible for {$2.00}. I have tried multiple times to make a partial payment on the account in the amount that I feel I should be responsible for but was told that the amount was too small and couldn't be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX I purchased a vacation for my XXXX birthday for my mom, sister and myself. I charged my mom and sister 's vacation on a XXXX card. I purchased my vacation on the Citibank card. I booked the vacation through Cheap XXXX. When we arrived to our vacation spot the hotel recommended by XXXX XXXX was an all-inclusive resort which was supposed to include the following but not limited to, non-motorized water sports, daily activities, nightly live shows and entertainment. 
The first evening our room did not have electricity for two nights and the " all-inclusive '' resort did not have the amenities that it was claimed to provide. I attempted to work with the merchant and the hotel and their recommendations were not acceptable to me. 

Upon my return from the vacation, I disputed the charges with XXXX and Citibank. XXXX was able to recover the disputed amounts and Citibank responded on the last week of XX/XX/XXXX that they were not able to recover the disputed charge of approximately {$360.00}. 

I had called Citibank to discuss their decision and after speaking with a variety of associates at Citibank they told me that I did not accept the merchant 's suggestion to move to another resort. XXXX XXXX of Citibank told me her position was with the Executive Response Unit of the President of Citibank. She actually insinuated that I should have moved to another resort. Ultimately, the associates of Citibank should not discuss what options I should have taken and Citibank should have handled recovering the disputed amount with the merchant because what was offered was not provided and their recommendation to move to another resort one day prior to my departure was not an acceptable solution for me and my family.

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 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I opened a new account with Synchrony Bank a XXXX Master Card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my XXXX card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep these accts open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info..

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 2019-04-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Eqiifax has All of my information wrong, such as amounts owed, history of payments, credit cards I have not shown and accounts I have closed still show up in payment history as recent. 
Ive made several attempts to correct in the last few months. To which have not been corrected. 
This misinformation is making my refinance impossible, with my mortgage lender. 
I dont believe this is a good system, considering if the credit bureaus are incorrect, it can severely impact all of your financial situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I had bought a home about 4 years ago. My first mortgage company sold me off to Wells Fargo ( I had no choice in this, I would have objected given the chance ). I had a payment plan with the lender - I paid twice a month, the mortgage split in half, on the 1st and 15th of the month, by electronic withdrawal. 
My job situation changed, and I could no longer guarantee that I had the required amount of money in my account to be withdrawn at the given dates. I called up Wells Fargo, after I had paid the required payment on the 15th, and asked to set up the schedule for the end of the month from now on, from next month on, which the agent agreed to. I made payments since then, every month at the end of the month, never missed a payment, and they are charging me a late fee every time. By now the late fee is close to {$1000.00}. I refuse to pay that, and I am asking you to contact them, which I already have and I was brushed aside. I want to change mortgage lenders, because I have nothing good to say about Wells Fargo - at one point I applied for a program they offered, about looking into my income situation when I was in-between jobs and had to borrow money to pay the mortgage ( still, I never missed a payment ) - and I was turned down because " I didn't make enough money '' ( seriously ). Thank you for your time ....

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 2019-04-01 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: LA

Complaint narrative:
I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I contacted Navient in XX/XX/XXXX to inquire about the payment history on my student loans. The initial private loans and federal student loans began repayment in XXXX and were set on a 15 year gradual step repayment plan. The initial servicer was XXXX XXXX XXXX XXXX XXXX. The loans were then consolidated in XXXX to include graduate student loans. The service provider was switched to XXXX XXXX, and subsequently Navient acquired the loans around XXXX. From XXXX I made several lump sum overpayments. Navient did not allow me to direct these overpayments to the loan of choice, rather they applied them evenly across the two private loans and two federal loans. 
Trying to understand the complete loan payment history, and reason why the amount owed in XX/XX/XXXX was more than the original amounts borrowed ( despite overpayments ), I requested via phone, a complete history of payments made on the loans. I was told by the customer service representative that this was not possible since Navient did not service my loans prior to XXXX. I asked for an accounting of the amount that was acquired by Navient in XXXX and a complete accounting from that date. I was told by the customer service rep that I would receive the accounting via mail within 2 weeks. Subsequently, the accounting was never received via mail or electronic mail. 
I was also told by the customer service represenative that when Navient acquired my loans they were in a " repayment plan of forbearance ''. I explained to the customer service rep that " forbearance '' is a loan status and not a " repayment plan ''. I was trying to understand why the repayment plan I had selected with my prior provider ( 15 years graduated repayment ), did not carry with the loan acquisition by Navient. This information has still not been provided. Rather I was told repeatedly by the customer service representative that the " repayment plan was forbearance ''. 
I have since re-finance my loan with a private servicer since Navient could never provide a clear accounting or transparency into how my payments were applied. 
Successful resolution of this issue would be a complete accounting of how all payments were applied by Navient. In addition, I would like information on the balances as bought and sold from XXXX to Navient. I have checked the federal student loan database for this information, but there does not appear to be any record of payments applied, only amounts bought and sold between corporations in the submarket.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
On Wednesday XX/XX/2019, I contacted Caliber Home Mortgage to inquire about payment of my local city property taxes, because I had received notice from the city that taxes were unpaid and my house is subject to tax sale. Two late penalties had already been assessed and payment was grossly overdue. I spoke with a representative who promised to " escalate '' the request to have my tax payment disbursed to the city. I was told that we would have an update or a resolution by Monday XX/XX/XXXX. 
I did my due diligence by calling the city myself to confirm that no payments have come in on my behalf. I also contacted my title company to confirm that no special escrow funds for taxes due after my settlement/purchase date were being held by the title company, as that is not customary anyway. Also, I attempted to work with my loan officer who processed the loan, and he provided me with no help either. He had a colleague at Caliber look into the matter, but then decided to have me work with customer service and advised that he would no longer be of assistance. Their names are : XXXX XXXX XXXX and XXXX XXXX XXXX I called in periodically to check for a status update, and was told that the request was " being researched '' but there were no tangible updates. The managers that I spoke to were : XXXX, phone number XXXX ; and XXXX XXXX, who advised me that she doesn't have a phone number. 
I called on the promised resolution date of XX/XX/2019 at XXXX XXXX  in the morning, XXXX XXXX, and was told that there were still no updates. XXXX XXXX advised that she would call me before she leaves for the day with an update. She leaves for the day at XXXX Central time, so I am awaiting a call back, however, given the lack of follow-up thus far, I am respectfully submitting this complaint, because I feel as though I have been mistreated by the company with no recourse for actual assistance. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: LA

Complaint narrative:
I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

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 2019-04-01 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: LA

Complaint narrative:
I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.

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 2019-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Please consider the circumstances

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/XXXX my bag was delayed on a return trip from XXXX. I contacted the Citi Benefits number and the agent opened a claim. After returning home, I submitted the required information to complete the process. 
Last week, I received a letter date XX/XX/XXXX from Citi Card Benefits Administration stating the claim was declined as I was returning to my primary residency. 
I called Citi Benefits on XX/XX/XXXX and the service agent made several attempts to demonstrate that I was ineligible. First she restated the letter, then we talked about " Completion Date '', then that it was a return trip and finally she was suggesting XXXX was my primary residency. 
It felt like I was bombarded with a series of arguments to prevent them from honoring their offer per the guide called " Your Guide to Protection Benefits '' Fact- My bag was delayed and I was in XXXX for three days without my bag. 
They know my primary residence is in Iowa.

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 2019-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Asked XXXX and XXXX to research a collection on my credit report from Harvard Collection.  This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019 I applied for a pre-approvel loan with XXXX XXXX, which ran my credit for the pre-approval. I was later sent an email that I would have 14 days to shop around with other vendors to get quotes without it affecting my score. On XX/XX/XXXX I applied for a pre-approval with USAA  mortgage lender and my credit was checked also leaving a hard inquiry on my credit within the 2 week period.

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