vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: TX

Complaint narrative:
I purchased an XXXX XXXX from XXXX XXXX on XX/XX/2016. - with an XXXX care package .Within 2weeks I was dissatisfied with the product & went to XXXX & got an XXXX XXXX also with an XXXX care package. I informed XXXX XXXX about this & requested that they cancel my care package. I also went to the store & told the person that I bought the phones from & that the care package needs to be cancelled. In XX/XX/XXXXI realized that there was a charge on the when I paid off the balance on this account-yesterday there was a bill due. I called XXXX XXXX & discussed this @ great length with the customer service person. He documented all the information & told me I would get a refund. I got another bill in XX/XX/XXXX & called them again & again I was told that I wold get a refund. In XX/XX/XXXXI saw my statement & called XXXX XXXX & was told that my XXXX care package was still active & that I have to pay for the care package. When I asked to speak to a manager- I was on hold for 90 minutes - no manager came on the phone to talk tome. I went to the store & talked to a manager there - I was told that I wil get a resolution & no such resolution came. I am frustrated that XXXX XXXX would report this as late & add late payment charges on this even though I am due a refund from them. 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 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I had an account through XXXX XXXX for a XXXX XXXX XXXX. The loan was in my ex-husbands and my name. We went through a divorce in the fall of XX/XX/XXXX. The bank account the payment came out of was closed. The loan was bought by Huntington national bank-account number XXXX.Called and gave Huntington the new bank account with my name only and told them of the divorce and that I was awarded the XXXX XXXX  and would continue the payments no problem. Fast forward, I traded the XXXX in for a new vehicle the first of XX/XX/XXXX the payment comes out automatically the XXXX of every month. I called Huntington on XX/XX/XXXX and told them vehicle had been traded in to cancel the payment was told situation was taken care of. XX/XX/XXXX the {$470.00} payment was taken out of my bank account. Called XX/XX/XXXX and was told they was sorry and a check would be issued to me personally and gave my current address as the mailing address for said check, and that it would be within 2 weeks ( Ref # XXXX ). XX/XX/XXXX called again since check had not been received and was told that a check had been issued the day prior and would arrive within 5-7 days at my current mailing address. As of XX/XX/XXXX still no check, call once again and am told that the check was sent out to my ex-husband and that the check could not be canceled or reissued and the money could not be put back into my bank account from which it has been drafted the last 3 years and that there was nothing they or myself could do to change it or get MY hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: WA

Complaint narrative:
I worked with XXXX XXXX of New American Funding in XXXX, WA last month. The experience was rough every step of the way. We took our application on XX/XX/16. She was tough to get in contact with, I didn't have an underwritten loan decision for nearly a month, I was sent loan disclosures with inaccurate information multiple times, and when I wanted to see rates she didn't call me back. After she told us it wouldn't work, we ended up going to another lender and closing in 3 weeks. We had to pay an extra {$24000.00} to the seller because we didn't close on time because of XXXX. Despite, being bad at her job, what bothers me is that she has no regard for compliance. She ultimately told us that our loan wouldn't work. It is my understanding that I should have received a formal denial letter within 30 days of XX/XX/XXXX ( the day she denied us ). I felt like I was not important and she just wanted us gone to make her life easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
Prosper has agrees to settle my account and has been deducting payments from my bank since XX/XX/2017. They are still sending delinquent notices and reporting to the credit bureau incorrectly. I have contacted and emailed them and the problem still has not been fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: MD

Complaint narrative:
compliant abount Experian credit.reporting wrong information on my credit report. 
I was turned down for refinance because Experian gave wrong information. 
I complaint to company to send documents, never send them.i called company, they are turning right information, but Experian is reporting wrong information. 

the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX or [ XXXX ] XXXX account # XXXX.never miss payment or late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from XXXX XXXX XXXX in the past ( XX/XX/XXXX ).  No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called XXXX XXXX XXXX in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to XXXX XXXX XXXX and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was leaving for extended overseas trip and paid off my XXXX XXXX city bank credit card balance in full but when I came back there was {$160.00} late fees. I called the city bank and city bank preservative provided me with no dispute option and made me to pay in full. Call was recorded. In my second call to a supervisor she indicated there was a {$13.00} charges that were proceeded late by city bank and City bank would reimburse for all the interest and late charges. ( Call was recorded and transcripts should be available ). She documented the problem and send it another department for resolution and she asked me to check back in a week for results. When I called no action was taken and just got the run around. City bank did not take responsibility for processing the charges late which was confirmed by city bank representative on the 2nd phone call and they ruined my credit for {$13.00} and made me pay {$160.00} late fees.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) in XXXX Kentucky was hired by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX NY XXXX, XXXX being a third-party collection agency who purchased the debt from Citibank in or about XX/XX/XXXX,  advising I owed {$1500.00} of which I just recently learned. XXXX placed a lien against my residence in XXXX County, Kentucky for this amount on XX/XX/XXXX, it then caused to have all of my paycheck ( s ) deposited to my XXXX checking withdrawn via unknown garnishment in the amount of {$1300.00}, leaving me without one cent. The debt collection is being handled in an illegal manner, past statute debt to collect, using a third-party debt collector without proper notification, having placed a lien on my residence, then proceeding to garnish all of my funds from my checking account leaving me penniless. I never used Citibank 's credit card. I ask that I be reimbursed the monies taken from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX was included in my Discharged Bankruptcy Docket : XXXX yet they are still reporting an unreleased judgment ( XXXX ) on my credit report and court docket. 
They were, inf act, served a notice of filing. They are affecting my financing and this needs to be fixed asap. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company is reporting wrong credit history of a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is about Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX CA. 
My wife XXXX XXXX went into this branch to deposit a {$700.00} Check she placed her debit card in the reader and handed the check that she had previous signed to the teller for deposit. She asked the teller if she needed anything else the teller said no you can go, she did not get a receipt.. The money never appeared in her account. My wife filed a report with the XXXX XXXX Sheriffs department. Case number XXXX the detective on the case first name is XXXX at the XXXX Sheriffs station her number is XXXX XXXX XXXX branch manager had my wife and I come in today to look at Screen shots of my wife at the teller station on XX/XX/2018 at XXXX to XXXX XXXX It appears she cashed the check which she did NOT. When you look closely at the screen shots it is very obvious they have been Photo Shopped The manager would not give my wife or I the pictures, and was going to delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I was unable to make any purchases or log into my XXXX account ( operated by Coinbase , Inc. ) on XX/XX/XXXX. I received an automated message stating that a ticket has been opened for me. I emailed again asking for a status on XX/XX/XXXX, and received another response, this time from customer service stating my ticket has been escalated. I reached out again on XX/XX/XXXX, and am currently awaiting a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NC

Complaint narrative:
fee that I have been charged for my XX/XX/2018 mortgage. I made my payment on XX/XX/2018 with XXXX. Please review this and reverse these charges. Loan # XXXX. Also, I was told that my escrow acct was under its scheduled budget, and that you had to adjust my paymentd to compensate for the shortage. Yet my property taxes were paid twice and you received a refund for that double payment. So I need to have my mortgage payment reinstated because the shortfall was refunded to Statebridge Co.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This abuser posts Every month a past due payment for a storage unit that i was told was illegally sold by the storage place after I paid a amount less 1 months amount to the manager on duty, and he even emailed me by electronic communication that he took our items off the auction list, and in fact we had SIGNED a ELECTRONIC NOTIFICATION agreement for us to be notified of Any issues by electronic email instead of paper mail aka letters which the manager at the time XXXX XXXX XXXX also signed and a XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX California XXXX. 

When we went to pay the amount due after paying them XXXX the month before plus XXXX the nextday, he said oh my we went and sold your items anyhow, even though we have their emails 2 weeks prior saying to me to get well, no worries we are fine which i still have the electronic communication which is the legal way to notify us of any issues, and they meaning the XXXX XXXX managers used the email electronic communications INSTEAD of emails as in the contract signed to Decieve and to us to lose our personal property and childrens heirlooms. 
Now their collection agency AWA collections are billing us on a monthly basis for the past four years as if they still have our property in the units, so either they should IMMEDIATELY NOW produce our items if they are still charging us, or cease placing False information on the credit reports that we are past due every month, if they have our items still, which included our person documents and photos of our babies and our clothing Advise us, since the personal items Where NEVER RETURNED as prescribed by law that had no vaule of interistic except to us, and then if there is nothing in these units, then stop placing what amounts to False and MISLEADING information that the units have our items still inside, if they are then they meaning the storage company staff lied to us and just took our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
***Note**** This is my second complaint in this manner and this is completely unacceptable. It too XXXX all of 56 days to determine they can not proceed with this complaint due to a 3rd party unauthorized. I called CFPB first to figure out who is the 3rd party unauthorized and was advised to notify XXXX. 

It turns out that file a CFPB complaint is not accepted in XXXX, as CFPB is an unauthorized complaint. Which I knew was wrong as CFPB regulates XXXX. Then it get better, I'm not allow to submit a dispute over to XXXX  only the creditor can remove the information from the credit file. The letter that I have been forwarding over for over a year is invalid and needs to be sent directly from Chase. According to the FCRA, I can dispute any inaccurate information on my credit file and the credit reporting agency will need 30 days to investigate the dispute. What is happening, the credit reporting agency is not disputing any information. What they are doing is waiting until the last minute either to send a letter stating more information like a drivers license and 2 copies of your billing address or wait until the last day to say the dispute has been verfied. When you put things together to verfiy with the creditor, it turns out the credit reporting agency is not even submitted or investigating the inaccurate information on the credit file. 


I have a credit reporting monitoring service that alerted me that someone attempted to obtain credit in my name. Upon contacting Chase to cancel the card and any charges, they immediately conducting an investigation. On XX/XX/XXXX I received a letter stating that they have sent a letter to XXXX and XXXX to remove the inquiry dated XX/XX/XXXX. As of XX/XX/XXXX the inquiry has still remained on the credit file after sending numerous disputes to XXXX and XXXX with them stating the inquiry will remain on the credit file. It just goes to show they are not reviewing the disputes that you submit, because it is clear as day with a letter from Chase to remove the inquiry from the credit file. I know the same stroy line, you didn't receive the letter or documents, but your quick to mark items as frivoulous to avoid reviewing the dispute accurately. According to the FTC, you have to review all disputes within 30 days upon receipt, your gimmick that is widely used is to submit an updated bill or drivers license in order to review the dispute. It gets old, all 3 companies need a traning in Ethics 101.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I went to BofA XXXX XXXX, TX branch to close my safe deposit box. The banker, XXXX XXXX, took care of that. Before I left, I asked him when and how the {$25.00} deposit for the keys would be refunded since i returned both keys. XXXX XXXX told me that the deposit would be refunded automatically within a couple of days. 

However, I still have never received the refund by now. I contacted customer service ( XXXX ) twice ( once on XX/XX/XXXX, the other on XX/XX/XXXX ). The CSR either told me to wait, or asked me to contact the branch. The branch is not close, and the hours are ridiculously short ( XXXX ). During the conversation on XX/XX/XXXX, I requested the CSR to help open a case, and let the manager who is capable of handling this small issue investigate and contact me. The CSR agreed, and promised that the manager from the branch would contact me within 2 business days. 

Unfortunately, that never happens. It's XX/XX/XXXX, 9 business days after my last phone call with BofA, there has still been no contact, no apology, and no resolution for the refund. Earlier today, I sent a XXXX complaint, and some reps from BofA social media team contacted me. XXXX from that team called me, all he did were crediting me the deposit but no apology and explanation. He started arguing with me after I questioned him regarding the complaint/ How can a consumer bank handle business and customer complaint in such way? I'm looking forward to hearing some explanation from the executives of BofA.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I would like to file a formal complaint against Kohls/CapOne. I have sent several formal requests, dated XX/XX/XXXX through XX/XX/XXXX which I have certified mail receipts for, to validate accuracy of debt being reported to the credit bureaus. Their first response was we no longer have your credit application on file, as the retention period has passed. Then they turn around and send a separate notice stating our previous research indicates the information that was furnished to the credit reporting agencies is accurate. My question is how is this accurate/validating debt if at first you no longer have application on file bearing my signature, then somehow after their research it is now accurate. Then out of the blue a different amount of debt starts reporting to the credit bureaus. Their reporting is inaccurate and incomplete. Tried disputing with the credit bureaus, and they too say debt has been verified and updated but when requesting to provide how they verify, they can not. That is not legitimate verification/reportingaccurately. My requests have been clear and specific, but yet Im getting the same responses over and over that are not addressing my requests to validate this debt and the accuracy of the information being reported.

Company response to consumer: Closed with explanation