vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2019. I disputed 2 charges on my XXXX credit card. 
( 1 ) {$1300.00} & ( 1 ) XXXX. 

A conditional credit was issued to my card on XX/XX/2019 ( see statement # 1 attached ) on XX/XX/2019 the conditional credit was reversed by CITI bank after merchant responded. ( see statement # 2 attached ) I contacted Citi bank again, very frustrated was not happy with the way Citi bank handles my case. 

I submitted document to Citi my resort reservation was cancelled. Since it was booked thru third party. XXXX  ( third party ) does not want to refund the money. 
Where the contract clearly reads administrative fee are non refundable. I agreed to pay the administrative fee only. ( see attached ) XXXX XX/XX/XXXX, Citi bank debit/ charge my card again for ( 1 ) of the conditional credit that was already reversed.

I have made several phone calls. I still waiting for Citi bank to credit my card back for {$1300.00} for duplicate charge for conditional credit ( see statement # 3 ). I need help resolving this.

I am also attaching 2 screens shots showing ( 1 ) of the charges was settled in the merchant favor ( 1 ) of the charges was settled in my favor 3rd duplicate charge I need the credit back to my card

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 2019-09-20 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.

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 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a credit card with my bank in XXXX. The card was apparently provides by a company called elan financial. I paid off and closed the account in XXXX. In XXXX I tried to prequalifybfor a mortgage and was informed that the account was showing on my credit report as open, delinquent, and over limit. I tried on several occasions to contact elan financial, and left numerous messages, but my calls were never returned. On the rare occasion that I actually spoke to a human I was told that my account was in collections, and they were not authorized to discuss it with me, at which point they would transfer me to some other department who never answered their phone, nor returned my calls. I disputed this with all of the credit reporting agencies, who simply replied that it was " verified ''. So I filed a complaint with the CFPB. The credit card company finally responded to that complaint, claiming they reviewed their records, and had no record of phone calls or messages from me. They also alleged that they tried to call me on XX/XX/XXXX & XXXX, and left me messages. I received no phone calls from them at all, on those days or any other, and have received no messages. I am happy to provide my call logs to show this. It is possible that they have incorrect contact information for me, though my phone number has been the same for over a decade, and since well before this card was closed. I think it more likely that they are flat out lying to avoid admitting that they are trying to take me across. ( My phone number was included in my complaint to the CFPB, so they should have had it. ) When I received their response, I AGAIN called and left a message, again receiving no response whatsoever. They did provide some limited documentation in their response, among which was documents showing that the outstanding principle was {$490.00} as the last payment that they have record of. They further state that in XXXX of XXXX the charged off the debt with a balance of {$630.00}, and sent a 1099-c in accordance with IRS regulations requiring said form to be sent with any cancellation of a principle amount greater than {$600.00}. However, by their own records, the principle amount was less than {$600.00}, {$490.00} to be exact. I would sincerely like to be contacted to resolve this in a mutually beneficial manner. It is also of note that my credit report still shows a charged off amount of {$930.00} dollars, which no one has yet to offer any explanation for, despite numerous disputes with each of the reporting agencies.

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 2019-09-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
balance reduced from XXXX XXXX to XXXX XXXX XXXX. Account has not been updated on all three credit bureaus.

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 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.

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 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
this company is in many section of the fcra including but not limited too 604 and 609 i dont owe this third party collector upon asking for validation they can not give any i have not done business with this company and it needs to be removed asap this is really affecting my financial future

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: WI

Complaint narrative:
On XX/XX/XXXX an unauthorized charge for XXXX showed up on my credit card. I noticed the charge XX/XX/XXXX and contacted XXXX. I told them this was not my order, I did not place this order, and I advised that the address was incorrect to prove it. It was a completely different state it was shipping to. XXXX advised they would contact the carrier to have the package returned. I kept checking with XXXX and they did nothing in the end and the package was delivered to someone else 's address. 

My next move was to contact Chase and dispute the charge once I saw the package was delivered and not returned to XXXX. I disputed the amount and I received a new Credit card in the mail. Several weeks later I receive a letter in the mail stating the disputed amount was going to be applied back to my account and who I needed to contact. I contacted the agent SEVERAL times  throughout two weeks, Between XX/XX/XXXX through XX/XX/XXXX. I was on vacation for the two weeks after that. Not once did XXXX, with Chase, contact me back or leave any messages for me to contact her. 

I contacted the XXXX  to try and get this resolved since no one was calling me to talk about the charge. That, of course, got me nowhere as well. He said he would look into the issue and get back with me. I did not hear from him either and when I called him back he sent me to the dispute center. 

I called again today XX/XX/XXXX, to speak with the dispute department. She called over to the fraud department and came back to me and said they will not take my call and they will call me back. Again, refusing to take my call about this unauthorized charge. Their calls are recorded so the call can be confirmed that they are refusing my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My wife and I received a letter from XXXX XXXX, Vice President at Citi Bank N.A., XXXX XXXX XXXX, XXXX, MO XXXX stating that they closed our Citibank Mastercard account on XX/XX/2019 due to a potential bankruptcy case. My wife and I have never filed for or declared bankruptcy. We have excellent credit scores and all our accounts are paid on time. I called Citibank customer service on XX/XX/2019 explaining the information was erroneous. I was told by a supervisor they would investigate and get back to me within 24 hours. I was never contacted. As a follow up, we wrote a letter to XXXX XXXX stating that our account was closed based on erroneous information and reiterating that my wife and I never declared bankruptcy. We requested that our account be reinstated and expressed our concern that the closing of our Citibank Mastercard would have a negative effect on our credit scores. As of this date, Citibank has not contacted us, and our credit monitoring service has contacted us regarding this account closing and possible detrimental effect to our credit. 
We are also concerned about the amount of personal information Citibank customer service requested when contacted. Instead of asking for the last 4 digits of our credit card the customer service representative requested my social security number, birthdate, mother 's maiden name and address. While I gave this information, I expressed concern about the amount of personal information requested due to the possibility of fraud and identity theft. I asked the customer representative why they couldn't access my information from the computer using the last 4 digits of the account and was told they were lookang at a blank computer screen. I question the veracity of that statement which, if accurate, gives me concern about the security measures taken by Citibank to safeguard my personal 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 non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been trying to facilitate a short sale on my property for a few months, My father passed away and I am trying to get his estate settled asap. I have a buyer and have hired a realtor that got us a great offer. The 1st mortgage is getting a full payoff and the second and third lien holders will be taking less than they are owed. We tried very hard to get enough money to get everyone paid off but the market didnt agree with our pricing. Eventually after months of work we got a bonified offer from a buyer that is paying far more than he is willing to pay at foreclosure. The second mortgage postponed the original sale an entertain my offer but didnt allow for a reasonable amount of time to review and theyre now foreclosing again. I have been struggling for so long and just want to do the right thing. I tried to keep family home after my father passed but he was too far in debt for it to be possible for me. I just want to sell my home and get as much as possible for the bank and avoid a foreclosure in my neighborhood, and community. I need help and will cooperate 100 % with any of the banks requests. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: Midwest Recovery Systems
State: AL

Complaint narrative:
I received notification on my XXXX, XXXX, and XXXX   report that a Midwest Recovery  System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Creditor has failed to validate the date even after 3 request for validation and continuously reporting to credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I had filed a report in XX/XX/XXXX with you and received a letter from New Rez stating they would correct my credit report after incorrectly handling loss mediation when I was laid off. I now am selling my house and need to purchase a new one and I'm finding out they did not do as they said, my credit is still showing that I was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they have added an additional one for XX/XX/XXXX which was called in on XX/XX/XXXX but they did not apply until XX/XX/XXXX. below is the original information for the original complaint. They really need to rectify this and stop the process of incorrectly marking this account as late when it was not.

Case # : XXXX Reference # : XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior, Recently I applied XXXX credit card, XXXX Credit card company or bank pulled my credit report from TransUnion and TU reported them that I have missed them recent payment to any other creditor, which is not true. I have report in my hand, it was XXXX XXXX XXXX and has been paid off/settled by XXXX and XXXX reported them account in good condition. but TU and both XXXX is not updating in the system, that is why lenders are getting my " Negative '' Credit Reports, there is no missed payments at all in last XXXX years. I have all paid off bills and never missed it. CFPB should take strong action against these credit bureaus.

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 2019-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: GA

Complaint narrative:
I was enrolled in the Auto Debit program with Sallie Mae to repay my loan. Payments are taken automatically on the 17th of every month. I re-enrolled in school full time and finished that process in XXXX. Classes started XX/XX/XXXX, which would be the date my loans went into deferment as well. On Thursday, XX/XX/2019, I checked my bank account and Sallie Mae had taken the Auto Debit payment, though they shouldnt have, and put my bank account in overdraft of over - {$200.00}. I contacted support that same day and they confirmed it should not have been taken out. They submitted the request to refund the payment but said it would take 3-5 business days. I checked my bank account the next morning, Friday, XX/XX/2019, to see if my direct deposit from work had been deposited, and I discovered a new overdraft fee from my bank plus my entire paycheck from work was applied to the negative balance. Because of Sallie Mae and their mistake, my entire check from work was applied to the negative balance, as well as the {$35.00} overdraft fee that I wont be reimbursed for once Sallie Mae refunds me, and any business I need to handle with my paycheck wont be taken care of resulting in even more late fees, and there is nothing I can do about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: NY

Complaint narrative:
I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Creditors Connection, Inc
State: AZ

Complaint narrative:
NCCI Debt Collection Representatives is calling me repeatedly and using profane, vulgar and abusive language, making threats of taking legal action against me for garnishment of my wages, calling my employer to make me lose my job, getting me sent to jail and prison and making threats of violence and death against me for a XXXX XXXX  XXXX XXXX account # : XXXX, the amount of the debt is {$30.00}, XXXX thats a fraudulent and unauthorized account that dont belong to me. This extremely frightening and very disturbing to me. I am in fear of losing job and life because of the severe and numerous threats I have received from NCCI Debt Collection Representatives.

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 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is currently allowing the collection agency XXXX XXXX  to report a collection account on my credit file as an open RETAIL revolving account with a Late status and negative balance. 
Its not listed in collections its listed under other accounts. This is a collection agency that has no right to report a debt as an open revolving account. I disputed and contacted XXXX and they state to me that i must take the dispute up with the CRA reporting the account. This is incorrect reporting and should not be allowed by a collection agencies - its unlawul practices. also They are reporting this alleged collection account with a past due balance of {$110.00}. It is reporting that I pay as agreed for the following months XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, and XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX- how can a collection account report as current? It was Marked it as a collection account XX/XX/XXXX but then states that the date of 1st delinquency is XX/XX/XXXX? I never acknowledged this account nor have I given them a dime- this company has unlawful practices and EQUIFAX is reporting this account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
Today Date XX/XX/2019 This complaint involves ChexSystems. 

I received a denial letter from XXXX XXXX in regards to opening a money market account. They said their decision was made in part due to a report from chexsystems and that I should contact them for the report. 

XX/XX/2019 was my first request for the report. Which was to be mailed in 5 working days. 

XX/XX/2019 : I called chexsytems to ask where the report was and they said I should have received it and would mail another one. 

XX/XX/2019 : I filled out another request for my report. 

XX/XX/2019 : I contacted your office. 

Why don't banks send a report along with the denial letter. 

Why can't you get the report by email. The application after all was applied for online.

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