vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
Am seeking info on how to contact the financial institution Synchrony Financial. My PayPal Extras MasterCard is issued by Synchrony Financial. I called PayPal to request a replacement for a lost/misplaced card. PayPal " XV2 '' agent reviewed my recent charges for month of XXXX. A {$1.00} charge to " Card Security '' on XXXX was the only transaction. I did not make that purchase/charge and I did not sign up for a recurring or subscription to a card protection service for this credit card. 

PayPal agent did not see any prior charges to this " merchant '' in my PayPal account history. She had no transaction ID or any reference to the charge, just a telephone number XXXX. The PayPal agent flagged the {$1.00} transaction and marked it as suspected fraudulent charge and cancelled that PayPal Extras MasterCard number and ordered a new card to be mailed to me. 

I attempted calling the number associated with the charge twice, once per day on XXXX and XXXX but received " we are currently closed '' message. 

I was able to make a phone connection this morning [ XXXX ] to what I suspect is a call center. First agent would not answer my question, " Where is Synchrony Financial located? How can I contact them regarding my account? '' I was asked for my full name, last 4 digits of my card number and my address. I repeated my question and told the agent I wouldn't give that information in order to simply contain the company 's contact telephone number. I terminated that call and went to a website given on the pre-recorded announcement, www.mycardsecurity.com. On that website, a number for Benefits Representative of XXXX was given. 

When calling that number, got another call center who also asked for my name, address and account info and would not give me the Synchrony Bank contact info. He said that their company HQ is in XXXX, GA. This agent said he could look up my info with my Zip Code. When doing so he said I had signed up for the card security in 2009. This could no the possible because I did not even have a PayPal account in 2009. 

XXXX search for Synchrony Financial states headquarters is in XXXX, CT. I suspect that the Synchrony Financial website may have been spoofed. I would like authentic contact information for Synchrony Financial to speak with someone about the alleged " Card Security '' service. I am concerned that the the {$1.00} charge to my PayPal Extras might have been a " ping '' to verify an active 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 2021-04-29 00:00:00
Product: Vehicle loan or lease — Lease
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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I paid off my car over 2 years ago Honda Financial refuses to send my title. I have repeatedly requested via phone, mail and email and I continue to be send in circles. I have sent in the odometer form on 5 different occasions, and was told that the title had been sent only to find out months later that Honda Financial has no record of the odometer statement. XXXX XXXX XXXX XXXX XXXX also shared that they do not see where Honda Financial has requested a Title Transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: NV

Complaint narrative:
XXXX XXXX  XXXX charged my credit card for a service I did not order. It was done without my knowledge, using my name, social security #, an address not mine, and an incorrect email address. I called their fraud dept. and was assured it would be corrected. After it was not, I wrote the president of the company and was assured by his assistant that it would be taken care of. It wasn't and it went to first collection agency. I explained to them and send backup attachments that it was not my account. A few months later I get contacted by a second collection agency. I again sent attachments proving it wasn't my account and that was that. Just now I have been contacted by my cyber protection company that another collections company wants me to pay even more money for a debt I do not owe. They suggested I call XXXX and get it straightened out. The third collections agency has let the credit ratings companies and my credit rating has plummeted. My credit card company has also contacted me that the money that had originally been reversed from my card is back on the 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 2021-04-29 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: Paypal Holdings, Inc

Complaint narrative:
Paypal account can't no longer use. Dated XX/XX/2020. With a balance amounting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
To whom it may concern, I am in the process of selling my house and I have a settlement tomorrow XX/XX/21. There are 2 open HELOCS on the property which belong to the prior owner from 17 years ago. The title company XXXX and I have been trying to reach the lien release department at PenFed for the past 4 weeks in order to get letters of satisfaction issued in order to proceed to settlement. We have not heard from them and they do not respond to calls or emails. If these letters are not received in time for settlement, I will not be able to close on the property and I will be in default. I will also incur the cost of another mortgage and miss the payments for my credit cards. The reason for the sale is that I have been unemployed since the start of Covid and I was planning to use the proceeds from the sale to pay off my debt which is piling up. This matter is urgent and I would appreciate it if you could look into this promptly. 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 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Ranch Home Loans, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I received a letter apparently from " Ladera Ranch Home Loans '' NMLS # XXXX. The letter was disguised as being from my mortgage lender, with " XXXX XXXX XXXX XXXX '' appearing where the return address of a letter would normally be expected. The letter seems to contain an offer to refinance, but is worded to appear to instead be as an offer to adjust the mortgage rate of an existing loan. Specifically the phrases " your loan may be eligible to receive a rate reduction '', " Rate reduction can be implemented in 2 weeks ''. I further believe the DBA of " hometown loans '' is intentionally misleading so that phrases such as " call a hometown loan specialist at XXXX '' can functionally appear to be a XXXX XXXX phone number to a reader, but allow for plausible deniability. The letter does identify itself as from " Hometown Loans '', but only in contexts where this use/mention distinction is ambiguous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: MD

Complaint narrative:
1. Experian erroneously removed two years of perfect on time payments for one of my credit cards : XXXX XXXX XXXX. 
2. Experian erroneously removed from their list of " open accounts '' XXXX XXXX XXXX from my Experian membership profile. 
3. I contacted XXXX XXXX  multiple times about this issue ; and XXXX XXXX representatives assured me of the following : that my account is open, active, and that I have perfect payment history, and that I am in " excellent standing '' with XXXX XXXX. XXXX Bank representatives stated to me that they have always and consistently reported to Experian Credit Bureau, and continue to so, since the opening date of my account with XXXX XXXX. 
4. I spoke to supervisor " XXXX '' and Experian 's " membership services '' teams, where supervisor XXXX informed me that He could in fact see my perfect payment history, and the XXXX Bank account in question. When I explained to supervisor XXXX that I could not see the information on my end, and that I was concerned about this troubling development, supervisor XXXX told me that it may be due to the type of Experian membership I have ; and yet for the past two years I have been able to consistently view and monitor the account reporting data by Experian on my end, without any issues ( since the account was first opened ) therefore supervisor XXXX 's statements don't hold up to the facts. 
5. I just checked my Experian membership today on : XX/XX/21 and see that the issue still has not been appropriately resolved, because the information I have a right to see ( under the FCRA ) is being willfully withheld from me, against my will, after waiting almost an entire month for Experian 's so called " resolution. '' I see that Experian is clearly and knowingly witholding my information from me, and when alerted to this issue ( by an Experian customer ) and provided with ample information and time to remedy the issue, that Experian has knowingly failed to do so, and that Experian has willfully damaged and injured my financial health.

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 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. 

I asked IC System for verification of the debt, and they said that they could not send me verification. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. 

This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. 

IC System uses aggressive tactics and refuses to provide proof of debt.

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 2021-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I paid Guaranteed Rate the balance of my mortgage {$280000.00} and they sent it to XXXX XXXX but did not put an account # for the XXXX account it was to be put into. Now XXXX can not find the funds. I have been working with XXXX but to no avail. I have asked Guaranteed Rate for help but no one calls or emails. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I opened a credit card account with Citi for Double Cash Back awards advertised on XXXX  XXXX  and multiple other sites rating it as the best cash back awards credit card. I was awarded 1 % for purchase, but did not receive the additional 1 % when I paid the balance on XX/XX/2021. After 8 days, I contacted Citi executive customer service via email and received an automated response. One week later I still had not received the additional 1 % for paid balance nor had I received an explanation from Citi. I then sent another email with a print screen of the Double Cash Back offer to Citi including XXXX XXXX, XXXX XXXX and XXXX XXXX - corporate executives with Citi. I received a generic response from Citi customer service which did not address the issue of the additional 1 % I had inquired about. I then contacted XXXX XXXX to complain about the high rating they give Citi for Double Cash Back with a print screen from my account showing I received 1 % for purchase but did not receive the additional 1 % for payment as is advertised and I copied Citi Executive Customer Service and corporate leadership. XXXX XXXX replied promptly and apologized but referred me to Citi - Citi has not awarded the points for payment nor have they provided an explanation.

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 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
AAFES and Military Star Card back in either XXXX or XXXX erroneously charged my mother {$1500.00} for a " Sea Cruise '' that she never purchased. Because she's XXXX, my mother was ( and remains ) incapable of partaking in this activity, and thus, would never even consider making the purchase shown on the Military Star Card way back then. Both of us tried at the time to find a resolution to this problem through customer service at the XXXX on XXXX XXXX, but they were unaware of what to do, and were not helpful. And since this credit card was her first one, she didn't know how to formally dispute the charge on the card. Also, my mother was under mental & physical duress because of the negative side-effects of her medications, so she let this matter slide over the years. But with some recent improvement in her health, we are just now taking steps to fully resolve this situation.

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 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was applying for a loan I seen online and they asked for my account information with chase bank and they got all my information and scammed me and tried to do fraudulent things with the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITI BANK REFUSED TO SENT ME SECURITY DEPOSIT OF {$200.00} I SIGNED CHECK FRAUD LETTER THAT I NEVER CASHED THAT CHECK ON XX/XX/2019 CHECK # XXXX AND THEY STILL DON'T WANT TO REFUND THE {$200.00}

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 2021-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/21 I received a text message from a XXXX number stating there was potential fraud of {$3500.00} in my account via XXXX. I then received a call from Bank of Americas number ( XXXX ). I answered believing it was the bank since they spoke about possible fraud from my account via XXXX. The representative said his name was XXXX and that the XXXX transaction was for {$3500.00} to someone in XXXX. They asked if I knew someone there and I stated no. After, the person said that they noticed the XXXX was to XXXX and that they would reach out to them to get the funds back. I provided them with a code I received from XXXX thinking I was doing the right thing to protect my account. I was then told to put a request to send money out from my account to myself to get my money back from XXXX. My account seemed fine until I checked on XX/XX/21 that I was missing the {$3500.00}. 
As of XX/XX/21 I reached out to Bank of America and explained my situation but all I have been told is that it takes up to 90 days and that I might not be able to get my funds if the account the funds were sent to have been taken out. The money I had saved in my account were from my stimulus and tax return to use a cushion during this pandemic. I do not understand how Bank of America has told me that there is a possibility that I wont receive my money back and theres nothing they can do.

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 2021-04-29 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: First Credit Services Inc.
State: CA

Complaint narrative:
This is in reference to the fraudulent transaction that was concocted by XXXX XXXX for alleged unpaid gym membership. My children and I have not been to this gym for more than 13 months. I was a member along with my children of XXXX XXXX. We paid on a month to month basis and all dues were paid. On XX/XX/XXXX, I sent an email to the manager to put a freeze to the account due to coronavirus restrictions. Exhibit 1. ( XX/XX/XXXX email ). 
I received an email on XX/XX/XXXX from the manager saying that even though my family and I were not using the gym and there was a nationwide shut-down due to coronavirus that the accounts will still be charged and will be refunded. ( Exhibit 2, XX/XX/XXXX email ). 
That did not make sense to me. I objected to it and responded that I had not been to the gym for almost a month and I requested again to have my account frozen. ( Exhibit 2, XX/XX/XXXX email ). 
On XX/XX/XXXX, I emailed the manager again as there had been a {$100.00} charge on my bank account even though I had not used the facilities. I asked again for my account to be frozen until XXXX or when it was safer for me to use the facilities. I disputed the transaction and asked my bank to refund the money which it did. ( Ex. 3 XX/XX/XXXX email ). 
Then on XX/XX/XXXX, I received a letter from a credit reporting agency, XXXX XXXX XXXX XXXX XXXX notifying me of an alleged amount of {$1200.00} that I owed XXXX XXXX of XXXX XXXX. ( Exhibit 4 ) .This was a shock to me as I had never once received any bills at my home of any such dues. Believe me, it would have been disputed had I received one. 
I do not owe any money to the XXXX XXXX. I and my family have not used the services since early XX/XX/XXXX and all our monthly dues were paid up until then. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have disparaged my name and ruined my credit based on a fraudulent Business Practice of billing unsuspecting gym members to scare them into paying them for services that were not used. 
This is an unfair tactic and a fraudulent Business Practice and constitutes harassment. I am being harassed for an amount that I do not owe and my name and information have been sent to the collection agency and to the credit bureaus thereby ruining my credit and my standing with other creditors. 
I am demanding a retraction that states that XXXX XXXX made an error in reporting my account to the credit bureaus and for a retroactive fix to my credit for all the months that were affected during this period and I want this debt to be eliminated. This retraction should be sent to the three credit bureaus with a copy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: GA

Complaint narrative:
There are three accounts on my credit report that reflect comments associated with a bankruptcy that is no longer reflected on my credit. Those comments and negative payment errors need to be removed. Experian added that information back to the status/comment section. Its incorrect/inaccurate and UNVERIFIED and these errors need to be removed immediately. The three accounts continue to removed and re-add to my report. It is false inaccurate information. This is illegal and its tiring to have to continue to call, dispute and file complaints.

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 2021-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2021-04-29 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
On the night of XX/XX/XXXX of 2020 I purchased 3 items on line for a total of {$510.00} from XXXX and pay pal was a third party. The side was ended to be fake and I was scammed. The transition appeared in my card as PayPal superstore and it said I bought the stuff from a wired side which wasnt XXXX XXXX. I immediately called the number on the back of the card and they cancelled my card but the transaction was through so they filled a dispute with PayPal. I called the real XXXX XXXX and they didnt have any records of the purchases so they said I was scammed and it have happened to other people. I dont know why pay pal wont give me my money back because they know it was a scammed. I have done some investigations and there is around 145 people that have been suffered the same scam that I had. In addition Pay pal know I didnt got the items that I purchased not knowing that I was dealing with a fake side instead of the real XXXX XXXX. According to my bank the items were delivered to New Jersey and I live in CT. I put my correct address when I did the purchases but still the items were delivered to New Jersey.

Company response to consumer: Closed with explanation