vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OK

Complaint narrative:
On XX/XX/19, I requested a reappraisal from SunTrust in order that we might pay down our loan and lower our LTV enough to remove our monthly {$320.00} PMI payment. I requested that someone " contact me via phone or in a way that I can reasonably ask follow-up questions. '' At the end of XXXX when I had not received a reply, I submitted a fax to SunTrust. SunTrust confirmed on XX/XX/19 that the fax was received, and the following note was added to their online chat portal : " A faxed deletion request has been received to delete PMI. '' On XX/XX/19, I added a note to the online chat : " I would like to know how I can reappraise our home to lower our LTV. '' Later, another note was added by SunTrust : " A deletion request can take upto 30 days to be processed. Upon completion of the review, a letter will be mailed with the next steps, if any are necessary. '' On XX/XX/19, I added another note to the online chat portal : " I have sent 3 requests to Suntrust to reassess my home value. We would like to pay down the principle in order to get rid of PMI. '' When asked if I had additional feedback, I said, " I'm trying numerous avenues to get in touch with someone regarding my PMI. It certainly feels like Suntrust is intentionally making this a difficult process. '' On XX/XX/19, I made another note on the online chat platform : " I need to follow up on my PMI inquiry. Can you please provide an update? This system is terrible, and I don't understand why I can't talk to a human being. '' On XX/XX/19, I mailed a signed document along with a {$150.00} check, requesting to order a " Brokers Price Option '' in order to better determine our LTV. 

On XX/XX/19, I added yet another note to the online chat portal : " A couple of weeks ago, I mailed our Request to Remove PMI and a {$150.00} check. Can you confirm that this has been received, and let me know what the next step in the process will be? I have been attempting to get this taken care of since XX/XX/XXXX. '' Each month that this process persists, I am required to pay another {$320.00} PMI payment. As I noted to SunTrust, it certainly seems as though they are intentionally making the process to remove PMI a difficult one, and I believe it is unfair.

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 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I financed a used car in XX/XX/2019 through TD Auto. It came with an extended warranty. I sold the car and paid off the loan in XX/XX/2019 but the extended warranty payment was sent to TD Auto after the loan was paid off because the warranty cost was built into the loan. The check was sent to TD Auto XX/XX/2019 and cashed XX/XX/2019. I called TD Auto in XXXX and was told they would process the payment as soon as it was received and send me the balance ( {$6900.00} ). I called again in XXXX after they cashed the check and was told it would come in 2-3 weeks. I called again in XXXX and spoke to XXXX XXXX ( XXXX XXXX ) who said it would come in 3-5 business days but that I can not escalate beyond her to her boss XXXX XXXX. I called again XX/XX/2019 and was told the check has not been processed and would arrive sometime in late XXXX and XXXX XXXX again refused to give me assurance or speak to me. Supervisor XXXX XXXX attempted to get XXXX to hear my issues but he refused and no one on the 4th floor would make themselves available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. 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 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I called Citi and explained 2 days before the due date of the payment that it will transfer late.  The rep said it wasn't a problem but because the fee isn't in the system,  I need to call afterwards to get it removed.  When I got my next statement,  I called to get the fee removed but this time the rep said she would not remove the fee. Since I had no balance on the card except the fee, I told her I will not pay the fee and to close my account.  Next month they continued to put a fee on top of the fee.

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 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
On XX/XX/19 ABC Financial services took XXXX from a card they had no authorization to do so. They took 4 monthly payments in one day. This was for a XXXX XXXX account that had been closed on my end due to a documented XXXX. They deny taking money from my card and say it fame from the bank account they had on file which is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear XXXX, I am extremely dissatisfied on the lack of support by CHASE Bank. I was defrauded out of {$2500.00} by an individual with a Chase Bank account claiming to be a property manager and requiring a security deposit. The individual told me that he returned the money back to my Chase account but It has been well over +30days and I never received my money back. CHASE failed to provide me with the criminals information as he is a CHASE bank customer, so I am not able to pursue the person. 

I am requesting that CHASE refund my {$2500.00} deposit. I am prepared to take legal action against CHASE for creating the platform and ease of opportunity for criminals to easily set up checking accounts to commit wire fraud. CHASE has provided me with no safeguard for my customer safety. Below is the contact information for the chase customer. 

Name used : XXXX XXXX, XXXX XXXX Phone numbers used : ( XXXX XXXX XXXX, XXXX XXXX XXXX Email used : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK CORPORATION
State: NC

Complaint narrative:
South State Bank has recorded three late payments and reported that on my credit score to the credit bureau 's, I have attached both my email exchange and their response back to my query. I'm contesting the Late payment Charge for the XX/XX/2017 payment where the payment due was {$4400.00} and I made a payment of {$4300.00} which was simply an error of {$38.00} in my calculation. I contested this late payment filed by SSB since it was a small amount and they had not reached out to me or sent me any communication of the shortage of {$38.00}. I quoted CFPB articles that protect me from unreasonable practices and predatory lending processes where they are trying to ruin my credit score for {$38.00}. Response I got is attcahed where they have refused to acknowledge the CFPB guideline on servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I applied on line for loans.  My credit is bad so I received very few offers.  A company called GE Capital offered me a loan of $XXXX.  I told them I would like to take the loan.  Then, they told me I qualified for a government grant.  They said I was on a recorded line and asked me if I would like to take the grant for $XXXX.  I said Yes as long as there was no cost to me.  The company then told me that in order to get the grant I had to pay $XXXX in taxes.  I told them I did not want to take the grant then.  They said they had me on a recording saying I wanted to take the grant and I had to pay the taxes.  They asked for all kinds of fees in addition and ran me all over the town getting various kinds of gift cards which I had to photograph and send to them.  I stupidly sent them approximately $XXXX  worth of cards.  They now keep telling me that the Federal Trade Commission has my file and will not release my loan and the grant funds until I pay a final $XXXX.  I know that I have been scammed.  I just wish you could help put a stop to this so it does not happen to others.  I went online and saw the bad reputation they have.  I wish I had looked before I agreed to deal with them.  Apparently, they are not even affiliated with XXXX XXXX.These incidents began on Thursday, XX/XX/XXXX and are continuing today.  The telephone number that they use to call me is XXXX   It comes up as a Texas number.  The people who call sound like they are either XXXX or XXXX

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 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am being billed by transworld for {$750.00} for XXXX XXXX XXXX. AT the time of the XXXX XXXX XXXX. I had a VALID XXXX XXXX which was fully funded and capable of paying the tolls. For whatever reason the tolls were not picked up by my XXXX I was unaware of this. Only recently, I receive a notice and contacted XXXX, which told me to call this collection agency regarding the tolls. I HAD AN XXXX   XXXX AT THE TIME OF THESE TOLLS. MY XXXX XXXX HAD SUFFICIENT FUNDS TO COVER THE TOLLS. I am being charge an additional {$100.00} per toll ( 7 tolls ), which is totally unfair. I had an XXXX XXXX, and my XXXX XXXX   had funds on it. Why is transworld trying to collect on a debt, which I shouldn't have. This is so unfair to me. I ensured my XXXX XXXX covered the tolls, and I ensured that I had money on it. Now I was sent to a debt collector who isn't willing to just collect the toll, but wants an additional {$700.00}. I'm being ripped off big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for an American Express Card that offered XXXX dollars after you spend XXXX dollars in the first three months. I have spent way more then the required dollar amount in the first three months and never received the sign on bonus of XXXX dollars as promised. I reach out to American Express and they said I didn't qualify for this promotion. I can't believe they can change the terms after signing an agreement with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Outsource Group, Inc.
State: TX

Complaint narrative:
I have spoken to this company in XXXX on the XXXX and spoke to this company at XXXX and advised them not to contact my employer and that they can not contact me at my place of work. I have already submitted a complaint regarding their tactics. They contacted me again today and they left a voice message at my place of work. They called from XXXX and asked me to call them back at a different number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ON XX/XX/2019 I SUBMITTED AN ONLINE FRAUD DISPUTE TO EXPERIAN ( EXPERIAN REPORT # XXXX ) WITH AN FTC ID THEFT REPORT # XXXX. ON XX/XX/2019 I RECEIVED A LETTER IN THE MAIL FROM EXPERIAN STATING THAT THEY HAVE CONFIRMED THAT IT WAS A FRAUDULENT DOCUMENT AND THAT THEY RESERVE THE RIGHT TO REPORT ME TO LAW ENFORCEMENT. ON XX/XX/2019 I CALLED THE FTC AND THEY ADVISED ME THAT MY FTC ID REPORT WAS VALID. ON XX/XX/2019 I CALLED EXPERIAN AND A EXPERIAN FRAUD DEPT REP ADVISED ME THAT THEY DID NOT KNOW WHY THE LETTER WAS SENT OUT BUT UPON HER REVIEW OF THE FTC ID THEFT REPORT SHE DECLARED THAT IT WAS INVALID AND WHEN I ASKED WHAT MADE IT INVALID SHE SAID IT WAS INTERNAL INFORMATION THAT SHE COULD NOT RELEASE TO ME. I NEED TO KNOW WHY MY ID THEFT REPORT WAS RULED INVALID.

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 2019-12-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There was a mobile cell phone account opened in my name the balance is XXXX also a personal loan for XXXX. Please investigate immediately and remove these un authorized accounts as soon as possible. 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 non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have an XXXX  XXXX son who has been through 4 XXXX XXXX   to where being a single mom i needed to take out alot of payday loans. Which i regret. Check n go is one that im having a problem with at the moment. They called my dad and step mom who i do not speak to giving personal info out and threatening fraud charges. Have not even attempted to contact me. I plan on paying all the loans back but im just starting to try and work and get myself and son in a good position. They should not be giving out my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: GA

Complaint narrative:
There are accounts on my credit report that I did not authorize. These accounts were open without my knowledge. I have already filed a complaint with Federal Trade Commission and attached you will find my Identity theft report. These accounts are fraudulent and need to be removed immediately. There is a personal loan for XXXX that was un authorized. There was a XXXX  account opened in my name the balance is XXXX  also 2 duplicate medical accounts Please investigate immediately and remove these un authorized accounts as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I submitted a payment through PayPal to a friend at XXXX in the amount of {$60.00}. She was unsuccessful accessing that account and I was in a hurry trusting PayPal to resolve the issue, so I went ahead and sent another {$60.00} to XXXX, an account she was successfully able to access. I had assumed this would be an easy fix, as you can clearly see on my PayPal activity that the exact amounts were sent to the exact email minus the XXXX suffix. However, after contacting PayPal they refuse to allow me to cancel the transaction and refuse to issue a refund to me. This is their response, " XXXX XXXX We are a user operated service. If you send a payment to an email address or phone number, that is where the payment is sent. 
Think about it from the other side. How would sellers like it if a buyer could call PayPal, say a purchase was an accident and we just refunded it. '' This person I sent the money to is NOT a seller however, and it even asks you if the person is a friend/family member or a merchant/business, in which I obviously selected friend/family. To end their conversation they suggested I speak to her and have her try to get into her account with customer service. Well here we are 3 days later and I sat right next to her as she tried to get into her account with customer service and they refused her access " because they could not verify her identity. '' In closing, I have {$60.00} just sitting in an inactive account that not the person who sent the money nor the person who was designated to receive it has access too and PayPal if refusing to resolve the issue. I have read multiple complaints of people mistyping a single letter only to never have their money refunded and those accounts holding the money most likely doesn't exist. There needs to be an investigation into how many inactive accounts are hoarding money for PayPal 's benefit without allowing access to their rightful owners.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XX/XX/2019 I rented a car from XXXX XXXX XXXX. The rental agreement was XXXX. The salesman told me that this would be the total of the purchase. After I went home I noticed a {$250.00} dollar charge. I never agreed to this charge and was never told about this charge. Ive called Capital one several times and despite there zero fraud liability advertisements they refuse to remove this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX email : XXXX address:XXXX XXXX XXXX XXXX XXXX XXXX, XXXX On XXXX the XXXX I transferred {$90.00} from my XXXX account to the cash card from cash app since I didn't have my XXXX card yet. 
Every time I logged in I couldn't see the money it said XXXX balance, this went on for weeks every time I call them they tell me the same thing saying they'll get back to me but never does. In my XXXX account it shows the transaction went through already but still can't see the money in my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCE CORPORATION
State: MI

Complaint narrative:
I was approved after they ran my credit twice then all of a sudden after a few hours they came back with some XXXX excuse she said call me in a week and we can close it out well I found out in a week it was to late they told me to reapply so I did and again I was approved took another hit on my credit and a few hours they changed their mind again blamed it on underwriting said its because I just applied 2 weeks ago even though they told me to reapply I feel like I was played when I spiked to the manager and asked her to call underwriting she agreed but I work at a XXXX hospital I can tell when people are playing games. She didnt really call them one main financial XXXX XXXX XXXX is one big joke that play games with peoples credit and they do not care because they arent held accountable for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: CA

Complaint narrative:
On XX/XX/XXXX I received a Notice Of XXXX XXXX on my gate advising that my home, where I operate my XXXX Business would be up for sale on XX/XX/XXXX at XXXX XXXX by lender Statebridge and Trustee XXXX XXXX XXXX. When I called to inquire about this sale I was advised that this was a HELOC loan that originated in XXXX. On XX/XX/XXXX I was forced to file bankruptcy due to a dramatic decrease in my income as a result of government funding. In filing my bankruptcy, XXXX XXXX   XXXX was the original lender for my HELOC loan of {$130000.00}. It was my understanding that once I filed bankruptcy and received the charge off that I was no longer responsible for this debt. 

Fast forward eight years later I have a noticed of XXXX XXXX for a HELOC loan that was included in a bankruptcy. On XX/XX/XXXX I reached out to XXXX XXXX XXXX in writing and requested two items : one Reinstatement Figure, second Pay off Demand. On XX/XX/XXXX I received the Reinstatement Figure of {$100.00}, XXXX and Pay off Demand of {$200000.00}. I am perplexed by these numbers I have received and I wonder if the actions of lender Statebridge and Trustee XXXX XXXX XXXX are valid and legal.

Company response to consumer: Closed with explanation