vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Paypal refueses, always, to help when there is suspect fraudulent charges. No discussion, just denied. 

This happened to me about a year ago, all starting with paypal sending someone an unauthorized debit/credit card, and at that time they accused me of being the one to do the fraudulent charges. From that my identity was stolen, I have multiple police reports about the activity, suspects on video making the charges at a grocery store, XXXX XXXX etc. They clearly don't take this seriously. After months of fighting and filing complaints against them, including the police reports the gave the money back So once again, I go to their resolution center and file a complaint against a charge and within an hour " denied '' no discussion. They need to be held accountable for protecting their customers. Their service is insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Ray Skillman Chevrolet Inc
State: IN

Complaint narrative:
We purchased a vehicle from Ray Skillman XXXX on XX/XX/19. We signed the loan contract and our interest rate was set at 7.94. One week later the finance person called and stated there was a glitch at the bank and our interest rate was actually 9.64 and we needed to come sign new paperwork with the increased interest rates. This upped our payment to {$490.00} per month. I stressed repeatedly we could not afford a payment above {$350.00}. They told us that we had no choice and would have to sign the new contract. They backdated the new contract and had us sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
CHASE Card Services closed my Account arguing DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US. Because my Credit history and reports are impeccable, I do believe this was in reprisal for cancelling my wife 's and myself application for new VISA Cards. Such cards were suggested by MARRIOT Vacation Club agents ( BonVoy  ) to gain points in the BonVoy Program that we also cancelled as explained below. 

The facts are as follows : 1. We ( My wife and I ) have hold a British Airways VISA card for the last 8 years. Since then, we have paid all our monthly balances in full and on time. The same is true for all and any of the credit cards that we currently have including CITI MasterCard, XXXX XXXX , XXXX XXXX XXXX XXXX  VISA ( Debit ), XXXX XXXX VISA ( Debit ). 

2. Our current credit score is XXXX, and we do not have any derogatory or delinquent items as the Chase letter suggests. 

3. In the last week of XX/XX/2019, we purchased a new Marriot Vacation Plan (  BonVoy ) costing about {$45000.00}. The selling agent suggested to us to apply for individual Marriot VISA cards to " gain '' points that could be used to pay for vacations later. However, on XX/XX/2019, after testing the product and verifying that benefits described to us were not accurate, we decided to both cancelling purchase of the Plan and  withdrawing application for new VISA cards. 

4. On XX/XX/XXXX and XX/XX/XXXX we unsuccessfully tried to use out VISA cards, and on XX/XX/XXXX we received an unsigned notification stating that because of DELINQUENCY OR DEROGATORY STATUS ON ACCOUNT WITH US, CHASE has closed our Credit Card account. Although I called the credit card customer services, they stated that they could not give us any information because that was a decision made by CHASE. 

5. Since our Credit Card record is impeccable, and we do not have and haven't had any delinquent or derogatory items ever with this or any other credit card or any other organization, I have concluded that the CHASE action against us was taken in reprisal for cancelling our applications for new cards that were suggested by Marriot. 

6. CHASE action resulted in embarrassing situations to my wife and myself when we were trying to pay for items we have purchased and CHASE denied payment without prior notice and subsequent refusal to provide us an explanation and identifying specific reason for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
Traded leased vehicle on XXXX vehicle. Dealer sent check to Chrysler Capital to purchase leased vehicle. Chrysler Capital lost 1st check. Dealer sent 2nd check in XXXX and Chrysler Capital posted check to XXXX vehicle instead of XXXX leased vehicle. In XXXX I received another late notice and contacted Chrysler Capital. Assured me everything was cleared up. Received another late notice XXXX and contacted Chrysler where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XXXX! XXXX told me they couldn't change credit reporting until XXXX at the earliest, in the meantime my credit rating had dropped terribly. XXXX stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XXXX/XXXX ruined my credit over a dispute. I had excellent credit until I moved and they charged me for early termination of the security system that never worked ( I had monthly conversations with XXXX in their technical support dept ). The {$1700.00} they sent to the collection agency I was told included the equipment, which was returned to their XXXX XXXX office. I have no problem paying for the cable service even though I moved, however, I refuse to pay for the additional charges they are asking for and I can not get them or the collection agency to look into the bill. I have asked for detailed statements and they refuse. I asked them to look into the complaints for this security system that never worked and they refused. They only say pay the bill or we will ruin your credit-WHICH THEY DID!! I paid the bill every single month for three years and when I moved out the new person, XXXX XXXX, ran up the bill for three months and I got stuck with that also. I notified them and they told me too bad you should have disconnected the service when you moved. I would like to get this corrected because I am trying to get a job but this is hurting me. I moved to a new state and can not get housing because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Harassing telephone calls at XXXX and XXXX in the morning. I have repeatedly asked them to verify what is in collection and they refuse to tell me. I have no accounts in collection on any credit reports. I have repeatedly blocked numbers and have tried to call the company back to find out more information but they will not tell me what they think is in collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Traded leased vehicle onXX/XX/XXXX vehicle. Dealer sent check to XXXX XXXX to purchase leased vehicle. XXXX XXXX lost 1st check. Dealer sent 2nd check inXX/XX/XXXX and  XXXX XXXX posted check to XX/XX/XXXXvehicle instead of XX/XX/XXXXleased vehicle. In XX/XX/XXXX I  received another late notice and contacted XXXX XXXX. Assured me everything was cleared up. Received another late notice XX/XX/XXXX and contacted XXXX where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XX/XX/XXXX! XXXX told me they couldn't change credit reporting until XX/XX/XXXX at the earliest, in the meantime my credit rating had dropped terribly. Transunion stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit 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 non-monetary relief
Consumer complaint received 2019-08-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I've tried to fix this issue several times before but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: CITIBANK, N.A.
State: MS

Complaint narrative:
Hi there. I would like to notify you that some charges on my account are fraudulent. I was the victim of a scam which is fraud. 

The person who scammed me has been reported to the local police and the FBI. His name is XXXX XXXX and he can be reached at XXXX. His number is XXXX His partner is XXXX XXXX and she can be reached at XXXX. My police report is on file with the XXXX County Police  Department. 

The following charges are fraudulent and should be removed : XX/XX/2018 XXXX XXXX {$8800.00}.

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 explanation
Consumer complaint received 2019-08-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 SXXXX XX/XX/2019 XXXX XXXX  XX/XX/2019

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 2019-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX granted me an extension/deferment on 2 payments due to my being involved and affected by the XXXX XXXX. Because of this there was some confusion about when I was to start paying again. I thought in good faith I was paying on the correct date but missed the window by a few days causing TWO separate 30 day late payments. They are reporting I was late when in fact they received two payments, one each month. I have written to them asking them to correct this misinformation on my credit reports yet they keep responding with a form letter asking me for " more information '' It is clear they are not actually looking into this at all and just fluffing off this problem. How can they extend terms then report lates? This is in violation of FCRA.

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 2019-08-03 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX  XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
My information is being use to attempt to open accounts XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXXL XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 ONEMAIN XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
In XXXX  of 2019, I contacted mortgage company named Movement Mortgage head quarter located in XXXX, NC for refinancing my primary residence located at XXXX XXXX XXXX XXXX va XXXX.  The company loan officer first asked me to hire a lawyer to redo the deed adding my name to the title.  My wife and I have been married for over 25 years.  Then, I was asked to pay $XXXX for appraisal. $XXXX for CPA letter.   After almost 3 months tirelessly trying to satisfy the daily request for documents coming from the bank requests from  the loan officer, processor and assistant, I was advised that the my loan got rejected.  After 30 days following my application, the underwriter kicked me out of 1 program putting me on higher interest program.  About 90 days later, the loan officer told me my loan got rejected.  No written explanation was given.  I have suffered great deal of mental distress and financial loss as a result of this company underwriter’s incompetence, unethical and discrimination practice.  I ask you help me to reach out to this company to address issues.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: TX

Complaint narrative:
A complaint was filed about 6 months ago with this company ( NAVIENT ) because I was paying on their coupons and then every month I paid, I was getting late notices. I then asked for new coupon payments so that ALL fees would be included. I also asked that any credit report items be fixed because of their inactivity. 

Navient never responds to letters ( I have sent six this past year, three were certified, no response to any ). I do not use their online portal due to issues in the past. I want all responses via regular mail. After my last complaint, I got a listing of payments made and am still checking them, but there was no explanation on why I would pay and then get late notices. I was paying on time and then getting extra charges. 

I am sending a certified letter today XX/XX/2019, asking for a 2-3 month deferrment and a NEW payment booklet with all charges by month so that if I pay on time, I should not get calls and letters saying I still OWE money. I don't make up the payment booklets, they do. They were suppose to send a new one after my last complaint, but only sent a list of payments. I really need a definite payment, by month and no hidden or extra charges. I can not respond to emails send that will not allow responses or texts that do not allow responses. 

They are the MOST frustrating company to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2018 I had water damage to my home XXXX one year ago ). Chase holds the mortgage. The insurance company has paid out to repair the damage, but Chase refuses to release funds. I've now paid for much of my contractor, flooring, countertops, etc and Chase refuses to release funds. I'm approximately {$40000.00} out of pocket while Chase holds approximately {$150000.00} of my insurance money in escrow. 

I've uploaded every document they've asked for, many of the documents multiple times. Sometimes, like on XX/XX/XXXX, I was told a check was coming for {$75000.00}. Then an hour later someone called from Chase and said they needed one more thing XXXX a signed contractor agreement because they couldn't read the signature ). I instantly uploaded what they asked for. Today, I called them and the first person said they would be paying as they had everything they needed, but we got disconnected when I wanted to ask about timing. I called back, waited on hold, and the new person told me they needed that same document but now with two signatures. 

This same process has happened again and again, where they say money is coming XXXX and it doesn't ) and I call back and they say they need one more thing. On more than one occasion, they haven't accepted a document and I resend the exact same document which then they accept. 

I've asked at least 5 times to talk to a manager or have a supervisor call me, which they always say the manger is too busy or I'll get a call back in 24 hours, but I never get the call. I believe Chase is intentionally holding my money as long as possible and this has nothing to do with the repair process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifaxs Data Breach has left me in Financial Ruin!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have paid the money for the ticket to the concert to a person via PayPal, but he has never sent me a ticket. He is a scam and fraud. I want to request a refund, but PayPal doesn't provide refunds on those transactions. The transaction was on XX/XX/XXXX, the amount is {$42.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Hello I have contacted all the three credit card companies and advised them that these accounts have been opened fraudulently. I was XXXX overseas in XXXX when theses cards were opened in my name. I have sent them my XXXX papers and and FTC Identity theft paperwork and yet they fail to remove these accounts off my credit report. The dates are approximately XX/XX/XXXX thru XX/XX/XXXX Here is a list of these accounts : AMERICAN EXPRESS BALANCE {$1900.00} XXXX BALANCE {$2500.00} XXXX XXXX XXXX XXXX XXXX  BALANCE {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Thursday XX/XX/2019 I attempted to contact 'Equifax XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'Equifax XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'XXXX ', not surprised, could not log in. 
*I locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies Equifax, XXXX, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3  agencies unreachable through online log in at the same time??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
We took a XXXX XXXX loan on our home in XXXX. Fell behind in XXXX. Have gone through many many many hoops trying to get help from them since XXXX when my husband passed away only to be denied. We have paid over XXXX dollars a month for 12 years to them ... Chase is now foreclosing. They have collected over XXXX XXXX dollars in the last 12 years and are saying we still owe them XXXX XXXX dollars. 
They say in their foreclosure complaint that the last payment was XX/XX/XXXX ... My last payment was made in XXXX of XXXX. 

HOW CAN THIS BE? HOW CAN THEY DO THIS TO PEOPLE?

Company response to consumer: Closed with explanation