vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KY

Complaint narrative:
My mortgage servicer, CMC mortgage, is refusing to cancel PMI on my loan despite the fact the current market value of my home has risen substantially. I have requested a broker price opinion ( BPO ) to have my home 's value documented and CMC mortgage has denied my request several times. I purchased the home in 2019 for {$320000.00} and put {$16000.00} down. My balance since then has been reduced to {$290000.00} and the fair market value of the home is now approximately {$380000.00}. At that value, my XXXX is 77 % which makes me eligible to cancel my PMI. Despite these plain, simple facts, CMC continues to refuse to let me get a BPO and cancel my PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing again about the violation of rights under Federal law against XXXX, Transuinion and XXXX. If these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I called credence on XX/XX/XXXX. I stated I filed chapter XXXX and was discharged on XX/XX/XXXX and its almost been a year I dont know why they have not informed the other company and took it off. The rep stated that they have not heard back from my lawyer or judge to confirm but its in there system for chapter XXXX. It felt kind of odd because when I call debt collector they ask me for the the date and discharge number which I give them. It takes normally a couple of days or a week before it is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I tried purchasing a electric bicycle from a seller though the app offer up. After he explained that the app didn't allow for shipping for we moved our conversation to a private chat through regular SMS conversation. 

He offered sending me the shipping label before I would transfer my payment for {$710.00} through the payment service Zelle. I agreed and upon receiving a shipping label of an oficial UPS store with my correct shipping address, I transfered the agreed money to the seller. He confirmed receipt and shared with me the tracking number. This tracking number never got uploaded or got active in the UPS tracking system and after asking this to the seller, he stopped all conversations with me. 

I called my bank ( XXXX  ), to report the scam, unfortunately they were not able to give me any type of case number or told me if they were going to refund or protect me from this issue. This is the first type of report XXXX issue with my bank and I have a great standing relationship with them with two credit cards under my account with 100 % payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A FRAUD charge was made to my credit card in XXXX of XXXX for {$190.00} and was not realized until XX/XX/XXXX when viewing itemized charges online for year end accounting purposes. 

I have spent hours trying to resolve this with BOA via phone calls that generated the letters received on : XX/XX/XXXX XXXX XXXX ( XXXX ) for XX/XX/XXXX And the last was to be from the Escalation Department that never returned my call on XX/XX/XXXX. 

I am told the chip was used. Bank of America is unable to provide any sort of receipt or info on the charge. ( Would this be FRAUD? ) The last supervisor I spoke to, XXXX in Tennessee ID # XXXX said it was possible to make an unauthorized charge with a chip and she believed it would be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NV

Complaint narrative:
Closing date XX/XX/2020 Mgt. payment including PMI {$1100.00} {$1000.00} P & I {$100.00} PMI {$180.00} Escrow BSI has been sending {$300.00} to the PMI company monthly instead of the {$100.00} on the closing documents. I have called repeatedly and they state 'this never happens we will look into it ''. BSI does not look into it and now wants me to pay an additional {$1500.00} due to their error of sending 3X 's as much to the PMI company as they were supposed and the analysis showing I am deeply negative. This mortgage is not even due for for an analysis as it is only 6 months old and paid according to the terms of the closing documents. 

I want my money back in my account as this has been going on since XX/XX/2020 and they refuse to rectify this situation and get my money back from the PMI company. I want interest paid back to me and my credit repaired as they have increased my mortgage payment and created an error due to their negligence. 

All supporting documentation is attached should you need further information I will be happy to supply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: NY

Complaint narrative:
I am writing to dispute a billing error in the amount of {$6000.00} on my account. The amount is inaccurate because your company has taken the amount out of my bank on the XXXX. 
I called into your company advise that my one account is blocka and money was taken our of my account twice. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Please investigate this matter and correct the billing error as soon as possible. I am also will report this error and all my billing evidence to the FEDERAL TRADE COMMISSION INCLUDING PHONE RECORDINGS AND BILL STATEMENT. 
In addition, I would like you guys to stall my payment until I got a response from the federal trade commission and the better business bureau. Recently, I have been in contact and your company has not f/u on request to investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX, my first Complaint ID # XXXX, US Bank informed me that " The company needs authorization from me to proceed with my complaint - there is an unauthorized third party on XXXX. '' Another response sent to XXXX  from US Bank via Secure Messaging stated that US Bank was " trying to locate their client for a debit authorization. '' Once US Bank located their scammer account holder, access was denied from the fraudulent transaction in which US Bank then requested a Hold Harmless Letter be sent to them from me at XXXX XXXX  ; HH Letter sent notarized directly from a XXXX  Banker to US Bank on XXXX, still with no status updates or reversals to-date. 

I don't understand why a Debit Authorization was needed from their fraudulent US Bank account holder, but a XXXX Police Report, FBI Report, Action Fraud XXXX  & XXXX Police Report have all been filed against XXXX XXXX XXXX as she impersonates an employee at XXXX XXXX in a job scam & stole my {$2600.00} USD with no trace of her. US Bank sent a message to XXXX  which informed me via XXXX Secure Messaging that the case was closed but to send in a Hold Harmless Letter to US Bank for further processing in which I've followed all instruction thus far. What is the status & receipt of my Hold Harmless Letter?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have a hard inquiry from Discover that is incorrectly reporting on my credit. They also said it wasn't going to be a hard pull but now that I have access to my score/report, I see that is not the case. This is unfair because these major institutions already know the consequences of these things on your report yet they don't care to remove them when you ask. This limits my ability to attain funding for my business/investment in the United States. 
Furthermore, XXXX took a hard inquiry on my account when I was still immature about my credit. I asked them if it shows up on my credit score and the employee told me " No, it shouldn't ''. Now that I am looking at my score with more knowledge of how it works, I want to get my hard inquiries removed if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/2021 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX XXXX remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$5500.00}, {$270.00}, {$4900.00}, {$670.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on AXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a family vacation through XXXX on my Amex card for the amount on {$2200.00} In XXXX I paid the total amount of {$2200.00} via my XXXX XXXX account Due to Pandemic our trip was cancelled, and in XXXX of XXXX I reached out to Amex to get refund on trip. 

I was given a credit of {$2000.00} ( not full amount paid ). I did not complain because I had no intentions of using the card. 

XX/XX/XXXX Refund came in for XXXX XXXX XXXX, and XXXX XXXX, and my account was refunded {$1400.00} ( not full amount. This should have been {$1500.00} ). Once again I did not complain, because I knew process was not done. 

XXXX XXXX did not refund me the {$690.00}, but instead issue me a travel credit to use on future flight. 

After several attempts to get a refund with no success, I just agree to cancel disputes and accept the credit. 

However, upon doing so I was refilled in the process for 3 of these flights. 3 Flights for the total of {$410.00} ( each flight was {$130.00} ). I have reached out to Amex over a dozen times to inform them they are rebelling me for something that has already been paid for. 

I purposely did not make any charges over {$50.00} my Amex card during this time to keep things simple. I made all those payments on time, and have made no other purchases. 

I reached out to all Merchants involved, and everything leads back to Amex. XXXX stated Amex never acknowledged the Hotel Refund they sent back for {$410.00}. Also Amex representative I spoke with on XX/XX/XXXX stated she did not see a credit on the account for the 3 charges. Even though system say it was given. 

I do believe they are trying to fraud me of my money and I need help. I have all my receipts to prove this trip was paid in full a year ago, Amex isnt trying to own their mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: VA

Complaint narrative:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Good afternoon. I was currently XXXX XXXX, XXXX XXXX XXXX to XXXX, during this time I was told to open an account with Citi bank, under government travel, this account would be my government travel card, that the department of the XXXX is responsible for paying. This was a card used to book travel through the military, pay for meals, all while on government orders. The government was in charge of paying off this card. I contacted citi bank to try and resolve this issue, they stated that they issued me a 1099, and I do not owe anything on the account. They then stated that they can not take this off my credit report even though it is paid for and close. I was not responsible for paying this balance, the XXXX is responsible, now it is on my credit report as a charge off even though the account with citi bank is closed. Can someone please help me remove this account from my credit report as a charge off. 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 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have tried to increase my credit limit several times with XXXX XXXX. They have given me several reasons:1 ) my balance on the card is too high 2 ) my credit score wasnt high enough and now they said I dont use the card enough. I worked hard to lower the balance and increase my credit score and now they say I dont have enough activity on this card when I just used it twice this month. The company constantly sends me approvals for other cards and asks for me to open a new card when I go inside the bank, but when I ask for a credit increase I get denied. The purchases I make are expensive and the reason I dont use this card often is because the cards balance is too low for the cost of the items I purchase and they take too long to make my funds available after I make a purchase. On XX/XX/XXXX, I made two purchases that totaled over {$2100.00}. My limit is {$3000.00}. I paid the balance in full on XX/XX/XXXX, but I was only given the available balance of {$800.00} until yesterday XX/XX/XXXX. The next item I needed to purchase was a bedroom set for {$1200.00} but I couldnt because I didnt have enough money available on my credit card. My roommate, a white male who have a lower credit score than me, makes less then me, and have more debt was able to make large payments from a separate bank, the same as my own, and have his funds made available right away. He applied for a credit card increase with a XXXX credit score, lower pay, and an almost masked out card from XXXX XXXX and was approved immediately. Im an XXXX American woman who makes six figures, with XXXX credit score, who has never missed a payment and have done everything I was asked to increase my my credit limit and they came up with a another reason to decline me that doesnt makes sense other then they dont treat XXXX people fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: DC

Complaint narrative:
On XX/XX/2021, I placed a {$660.00} order on XXXX using my Citi credit card. The website stated that my order would ship out by the end of XXXX, and the return policy stated that customers could cancel and get an 100 % refund if their order was still not shipped 2 weeks after the estimated shipping date. 

On XX/XX/2021, I emailed the XXXX requesting a refund ( in accordance with their Return Policy terms ), but they did not respond ( which is a known tactic they employ according to the customer feedback on their XXXX page ). 

On XX/XX/2021, I opened a dispute with Citi related to the charge, and they issued a provisional credit to my account in the full amount. 

On XX/XX/2021, I received a letter from Citi stating they have " closed our investigation and reversed our credit '', and referenced the merchant 's response ( a " Chargeback Evidence '' PDF from Stripe that entirely lacks any information about the Refund Policy or shipment Tracking Number ). 

The letter also stated I could continue the dispute by providing " Proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. An example of this proof is a cancellation confirmation email from the merchant. '' This information was to be emailed to XXXX by XX/XX/2021. 

On XX/XX/2021, I forwarded the order confirmation email & my refund cancellation request email, along with copies of the vendor 's Refund Policy, and the signed copy of the XX/XX/XXXX letter to XXXX. 

On XX/XX/2021, I received another letter from Citi stating that they are " unable to resolve this dispute in your favor since we have not received the proof of the terms and conditions you agreed to and documentation to prove you cancelled in accordance with those terms and conditions. '' I provided all of this information in my XX/XX/2021 email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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:
XXXX XXXX XXXX This account belongs to my father who passed away in 2018 we have the similiar name XXXX XXXX XXXX his name is XXXX XXXX XXXX MY NAME IS XXXX XXXX XXXX- I WANT THIS REMOVED OFF MY EXPERIAN, XXXX REPORT .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation