vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
There was an issue with an overpayment ( double payment made ) being applied to my credit card account in XXXX with Synchrony bank. The bank sent a refund check ; however, I did not received the original check. I called the bank and they re-issued another refund check. 

On XX/XX/XXXX I received the re-issued refund check in the amount of {$3600.00}. As of XX/XX/XXXX I received an e-statement by email from Synchrony stating my current balance is {$3600.00} with a minimum payment of {$37.00} due on XX/XX/XXXX. The credit amount that was originally showing on my credit card account was due to an over-payment by me and a refund should rightfully be given to me. It appears that Synchrony bank as added the amount back to my credit card account and it's now showing a balance. I am not sure how this error could have taken place but this needs to be rectified quickly. The issue I have is this balance has now been reported to the 3 major credit reporting agencies for this statement period. This error has adversely affected my credit score/rating as my score has now decreased. Other creditors may see this decrease in score and it my impact their decision in weighing my creditworthiness. 

Thank you so much.

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was involved in a multi-person, multi-business impersonation fraud scheme. The four individuals and three companies involved convinced me to pay for services to get my book published by XXXX XXXX. XXXX XXXX has indicated no affiliation or employment of any of the individuals involved ( this was a very sophisticated scheme ). I have filed with the FTC and FBI. 

BB & T ( now Truist ) was contacted 3 times by phone and once in-person. While the branch manager was extremely helpful, Truist has not moved forward with reversing the transfer between them and Evolve Bank & Trust ( letter sent to me on XX/XX/XXXX ). I am having trouble just getting someone at BB & T/Truist to help with the situation. 

Wire transfers were made on XX/XX/XXXX ( {$15000.00} ) and XXXX ( {$10000.00} ). The case number within Truist is XXXXXXXX. The FTC report number is XXXX. I have a copy of the FBI XXXX complaint referral form and the wire transfers. I have copies, contact information ( of the impersonators ) and documentation of everything.

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 2022-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Im XXXX dollars behind on payments to second lien. Select portfolio servicing SPS is the servicer, and they have been so difficult during the entire repayment of months of my needing to repay due to Covid 19. I cant see the repayment plan online, nor through the app. XXXX month they took two payments out instead on one but I let them but then I got confused as to what month was due so I was about to make a payment for XXXX before the XXXX because I know it is due no later than the XXXX when I received a letter I am in default!!! Like I said they confused me taking two payments in one month and I can not view into regarding the repayment plan to ensure Im On track. Its hidden information. I have lived here since XXXX and bought it in XXXX XXXX fet begins during Covid now they are trying to take my home I was making the payments like I said I got confused. I receive no statements regarding the repayment plan etc... they want to take my home because they see it has equity I cant get to because my credit took a dive during Covid. They are backing me into a corner. This lurk comes to maturity in XXXX. Why didnt they just let me apply for a loan modification instead of this repayment plan given the situation? I was able to get a job XXXX XXXX XXXX this school year betting about XXXX a month plus planning to teach XXXX XXXX so making great money but SPS is trying to take my home and capitalizing on financial duress caused by Covid 19. What they are doing is not Only wrong ethically but possibly breaking laws. They are pretending to work with me but trying to trick and confuse me through the entire process. They sent me a form for short sale out of the blue, I guess hoping being confused might even sign it. Unsure but they are threatening if I dont have XXXX by thenXXXX they are basically taking my home. Please please help these bullies from taking my home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have mortgage with Wells Fargo Mortgage Company ( XXXX # XXXX ). I had opted forbearance due to COVID-19 XX/XX/XXXX- XX/XX/XXXX. I was approved for a payment deferral which let me pay the outstanding amount at the end of my loan term. XX/XX/XXXX, I called the Well Fargo Mortgage company to remove the PMI as my home value has gone up and PMI got removed. On XX/XX/XXXX when I requested to separate Escrow account the Customer representative initially said it can be removed and they will send a letter confirming that. 
But when I called them today, 2 different representatives are giving me 2 different stories saying 1. the Escrow can not be removed till I close my Mortgage or the term is completed. 2. They are considering the forbearance as a late/missed payment so I have to request after XXXX XXXX and XXXX. 

When I requested they send me this letter which was dated on XX/XX/XXXX : Short-term payment suspension impacts Escrow account : If you have one for this loan, you may experience a shortage if you miss payments. When this happens, well continue to pay your tax and insurance bills. ( If you dont have an escrow account, remember to pay your tax and insurance bills directly. ) If you miss payments, you may not be able to remove the escrow account. 

I was not informed that the forbearance was considered as a miss payment, infact I was told that forbearance WON'T be considered as a Miss/Late payment!

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 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XXXX, My boyfriend, XXXX XXXX XXXXnd I contacted SunTrust Truist Bank about our Home Morgage Loan that was in default, we had both been out of work for well over 2 years due to the pandemic and couldn't pay our mortgage, however when I contacted the bank, they instructed me to go on their website and download their paper work for their home Preservation documents, however when I done that, they denied us any help, they informed me that they couldn't help us because they didn't have time to review our documents, but we had started sending them our paper work the first week of XXXX but they kept stringing me along telling me that they had lost the paper work or that I needed to add another form until finally they sent us a letter saying that they couldn't help us. 
I even contacted the XXXX XXXX and ask them for help and they denied me any help as well. I just don't understand where the funds are going to that our government sent to these Programs to help people who are struggling, yet the ones of us who are really struggling can't get any help. 
Long story short, we are going to be out of our home, with no where to go and no one to help us, when I have seen people with my own eyes that have received {$11000.00} from these programs and they don't even pay rent. And then the ones of us who need their help, they turn their heads the opposite way, is it something personal, is their something I missed? Perhaps I should have lied to them like the other people and maybe they would have helped me. 
I feel like the bank forclosed on XXXX illegally while we were trying to get help and being reviewed for eligibility, they violated their due diligence and the Duel Tracking Laws. 
Please help us

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 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Before I purchased two autographs on XXXX, there is [ and still can be seen ] an offer for 0 % APR on purchases paid in full [ 6 months ] on balances of {$99.00} or more. I have applied for this offer and received it in the past. 

The problem now is that when I won these two auctions, this promotion was advertised ; however, when I try to use that card for that rate and that promotional deal now, it has been switched to 5.99 % APR for 12 or 24 months. There is no 0 % APR financing for any amount of time available now that the items have been won. Somewhere in the XXXX Credit system , they have switched the promotional rate without my consent. I have taken screenshots. 

To see this offer as advertised, simply search XXXX XXXX XXXX. Look at any card over {$99.00} and scroll down to payment information. There, one can see the 0 % APR for $ 99+ purchases if paid in full by 6 months. Now that I have won the auctions, the terms are not the same as when I bid on the auctions! 

I have contacted both XXXX and XXXX and both blame the other. Customer service at PayPal Credit was an absolute joke. The number for XXXX they provided was a disconnected number for another department other than credit, promotions, and payments. The supervisor could not dial out and connect me with XXXX herself to circumvent this complaint. 

I've been on hold with XXXX for an hour. They can't seem to get a supervisor on the phone to take the issue directly. Now I'm at risk of unpaid items and losing the items at XXXX or I am forced into financing the cards at a bait-and-switch rate that I did not agree to finance! 

When I first contacted XXXX they said that the financing rate was no longer available. I then immediately took a screenshot following the procedure above. Seach item, find one for $ 99+, and one can see the offer of 0 % APR for 6 months on purchases of {$99.00} or more. 

Why XXXX and XXXX Credit have switched it and why the parties can't connect to resolve this seemingly EASILY CORRECTABLE ERROR are anyone 's guesses to answer. 

This is not the first time I have had issues with XXXX and XXXX Credit. In the past, they billed me for individual items at XXXX so XXXX was charging me interest without my knowledge on purchases over {$99.00} to one seller. These two are infamous for their bait and switch marketing practices as well as ineptitude in resolving these problems.

I want the 0 % APR for 6 months as they advertised when I won the auctions!

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 2022-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am a consumer, natural person, and the original creditor. American Express received EFTs from my fund fraudulenty without my written consent and also failed to send me the proper disclosures for the transfers that total in the amount of XXXX. They attempted to collect debts from me and the grossly and negligently continue to violate my federal rights. I requested verification/ validation on those transfers, debits, and creditor information which they continuously deny me the right to. I spoke with a XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX. All of those people I just name violated my rights and refused to send me the requested verification to my email. I requested the last XXXX of the written history on my account be sent to my email in which the refused. I am demanding repayment, return credits, and remittances pursuit to but not limited to Regulation E, B, and Z. I am demanding immediate resolution as there have been multiple disputes opened up with American Express in regards to my credit cards without resolve. I have been on the phone with them since XXXX today and I have been hung up on, refused, violated, deceived, lied to, and stolen from and I demand a remedy NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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 — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have been dealing with an ongoing stubborn account, I.C. SYSTEM INC. This account is a closed account and has a late payment on it. This is a violation under the FDCPA that a closed account can not have late payments. Furthermore, I submitted a dispute asking them to send me the original signed contract with my signature on it, which they have failed to do. I then sent in a 30 Day Demand after 60 days letting them know that they failed to respond to me, and if they do not respond within that certain time frame under the FCRA my account has to be deleted. STILL NOTHING! I then sent in a complaint to the XXXX, who told me they were unable to identify my account... okay if you can't identify it... erase it!!! At this point, this is my last step before filing for ligitation.

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 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Good afternoon, I applied for the offered forbearance. This forbearance ran out XX/XX/XXXX. 
On XX/XX/XXXX, I contacted my loan company 's ( LoanCare ) Loan Mitigation Department about the options available due to Covid. I chose the option of placing the past due amount at the end of the mortgage. I asked for confirmation and LoanCare told me it would take approximately 30 days to process, and I would be notified then. 
I called in approximately four weeks as I had begun to receive notices. They told me to ignore as my option was still being processed and any calls or notices I received were computer generated. 
Two weeks ago, I received a packet asking for information and for me to approach them about a plan. I called and LoanCarXXXX said it was computer generated. My plan was still in review. 
I received a call last week and the caller had no record of them working on my plan. She later found it in the system that I had requested the option and forwarded me to Loan Mitigation. Loan Mitigation said the option had never been summited and I needed to restart the process. 
Now I find out the safeguards designed to take place before foreclosure proceedings start ended XX/XX/XXXX. 
It is obvious I was strung along until this deadline was reached. Due I have any recourse now or have they succeeded in running out the clock? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Loan number : 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 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
THE OVERALL ISSUE IS HOW SLS IS CALCULATING MY MORTGAEG PAYMENT EACH AND EVERY MONTH ( PRINCIPAL VS INTEREST BEING APPLIED ) THE SECOND IS THE FACT DURING THE HEIGHT OF COVID AND THE LENDER PUT MY MORTGAGE INTO A FREEZE STATUS, IT WAS STILL REPORTED LATE TO THE BUREAUS AS WELL AS IN NO WAY SHAPE OR FORM DID THE LENDER GIVE ME A CHOICE OF TERMS DURING MY MODIFICATION... .THEY AUTOMATICALLY PUT ME IN A 470 MONTH TERM WHICH IS ABSURD AND IN NO WAY DID I HAVE ANY SAY IN THE MATTER PLEASE HELP

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 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
I got rebilled from XXXX for something I was told to throw away or donate because of covid, I have called them several times and have gotten disconnected after being on hold forever, cant get through and my email was never responded to. 
This nightmare began when my daughter received a Visa gift card and since shes a minor she used my XXXX account to purchase boots from them. She purchased them and used a {$10.00} note ( a credit ) ending inXXXX which brought the total to {$22.00} and the original transaction was on XX/XX/20. She received the boots and they were clearly used and one even had a sole insert in it. I was so mad that they would send something like that during covid. I called XXXX customer service for my daughter, mind you she is a minor and I remember for holding for a lil over 2 hrs and was told to donate them or thrown them away. We did, then I get billed again and never received a credit so it made no sense. XXXX customer service is horrible you can not get through and I am not willing to be on hold hold for a ridiculous amount of time anymore. I emailed them and they dont correspond. They are harassing me at this point because the gift card company did pay them off on XX/XX/20 and to top it off they charged the full amount not taking the credit for the {$10.00} note, they were paid {$32.00} and should not have been paid. Then I got billed from from Sentry Credit , Inc. Ive emailed them several times since I got the later and sent them all this attached also but Ive gotten to response. Please help me get a response and this settled. I pay my bills and I dont need this ruining my credit. I think covid just messed things up for everyone hopefully its a misunderstanding from covid and they get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
On XX/XX/2022, I got a call from XXXX XXXX at Rocket Mortgage. I believe he found my number because my credit report had recently been pulled because we are working with a Mortgage Broker. He told me that he had received an application, which I assumed had been submitted by my mortgage broker. Based on his verbiage, I believed that he was working with her. I messaged my mortgage broker during the call and she said that was not the case. This was after I had already given him some information including my SSN. It appears that he pulled a credit report. I requested that he cancel my application. I received an email from XXXX that he ran my report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
I have PMI applied to mortgage originating in XXXX XXXX. With payments and appreciation, I believe I would be eligible to drop PMI at this time. I have talked to the company by phone and email MANY times since XXXX of XXXX, through last month XX/XX/XXXX. They explained that the next step is to fill out a form to request an appraisal. They can not email the form to me or point me to a place to download the form online- they can ONLY mail it to me. I have re-requested this form get sent to me over eight times. It has never been sent. I am paying for insurance that I no longer need to pay and I can not get to the next step due to unresponsiveness or stonewalling on the part of my Mortgage provider. PLEASE HELP!!!!

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 2022-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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