vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
my paypal account was frozen around XX/XX/XXXX after having the account for years, ive always had high usage, we have a store and we use paypal a lot. People pay us with gift cards and i put them on my paypal and transfer the funds to my bank or to my husband. Paypal told me that some of the cards applied to my account were reported lost or stolen and now my account is frozen with {$3100.00} in it. I believe that my account was hacked as well as there are a few transactions in there that i dont recognize and my XXXX account and XXXX XXXX accounts were also and they told me i was using a VPN ( which i dont have or even know how to use ). I have called them numerous times, messaged them several times and told them what is going on but they still will not release any of my funds. I even agreed to leave {$500.00} in there in case of any charge backs even tho i have a very low charge back rate on my paypal, but i need my money! i have copies of my messages to them trying to resolve the issue however the messages from XX/XX/XXXX have been removed but say i can access them for 90 days i just need to get a hold of them and i did but he told me i would have to reach out to their legal team to get a copy of that one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I recently visited Best Buy to purchase a new computer. I was helped by a sales representative and we got the computer I wanted. Upon checking out I gave him my phone number and he verified I had a Best Buy account and once had a Best Buy Credit Card. I told him I thought the card had been closed by the company for non use. I got the card way back in college to purchase my last computer and they opened a credit card for me. I never asked for the card to be closed, but they did it anyways. 
This person then asked for my social and attempted to recover my account. Upon multiple failures to retrieve the account he began to open a new Credit Card account so I could put the charge on a new Best Buy Credit Card. I never asked for this, I would have preferred my first Best Buy account never be closed. He attempted multiple times to apply for this new card and was rejected. Now I've got a new hard inquiry on my credit report and its negatively affecting my score.

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 2019-10-04 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: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an e-mail from my mortgage servicer that they had paid {$1300.00} to XXXX XXXX XXXX XXXX for hazard insurance. I immediately e-mailed on them on XX/XX/XXXX saying that I already had hazard insurance through XXXX XXXX, and e-mailed them a copy of the binder and declaration page. 

I asked them to cancel the insurance and refund the premium immediately on the insurance that they placed on my behalf because I had no lapse in coverage. They refused. 

I have never contacted XXXX XXXX XXXX XXXX, asked for a quote, or bound coverage through them. The mortgage company placed this insurance without my knowledge, and did not send me any notification prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Javitch Block LLC filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing XXXX XXXX XXXX XXXX and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but XXXX XXXX and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.

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 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
Couple month ago i get this loan and it was paid and still is under payment on good standing.The company Mariner Finance they report wrong information 's such is collection this account and they dint want to fix the problem even the loan is still underpayment and good standing

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 2019-10-04 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TN

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX ; XXXX and Transunion  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My husband and I had a joint checking account with Ally Bank for less than two years. I closed the account approx XX/XX/XXXX anticipating our separation. 

A few weeks later, the account disappeared from my Ally screen without notice. Having had no notice, I had not yet downloaded statements and transactions quickly enough. I need these transaction records for tax preparation and for the division of marital assets. 

I called Ally Bank on XX/XX/XXXX. At the conclusion of that 38 minute call, the representative told me that **only my husband** can request the account records. Is this XXXX? It was a JOINT account! 

I emailed Ally through the website the following morning and have received no response. 

It is improper for Ally to deny account information to a joint account owner. I need these records immediately for pending legal and tax matters.

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 2019-10-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I have a higher interest rate on my mortgage that qualified for a VA streamlined reduction. I tried to get it from my current mortgage servicer but they refused. They tried to tell me that no one would give me a lower interest rate than what they were offering. I got 3 offers in the mail that were lower. Freedom mortgage refused to match them. I got a lower offer and started the process. Unfortunately, Freedom mortgage is refusing to send by email my mortgage note in a timely manner to lock in the lower rate that they refused to extend to me. I feel they are deliberately slowing down my request, because they have told me that they could send it tomorrow then said Monday. I requested it initially on Thursday, XX/XX/2019. I should have had it today, XX/XX/XXXX. As I said - they refused to streamline my loan themselves, and now that I have a chance with another company, they are dragging their feet. I went through my paperwork and I do not have a copy of the mortgage note. They never sent me one.

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 2019-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On all my 3 credit reports it show up on charge from SYNCB/WALLMART as a revolving account and the charge keep changing every month up and up.I try to call and find out what is going on and explain that is not personal account or debit they threat on me if i don't pay they will send a Sheriff department to collect debt or reaming home don't move because they are on there way to collect the debt or jail. I can't take it no more,

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 2019-10-04 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later. 

On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD. 

I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing. 

As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this. 

By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so. 

Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.

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 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, This is the follow up with Fifth Third banks response dated on XX/XX/XXXX. 

This is Fifth Third banks statement : On XX/XX/XXXX, you opened a Fifth Third Bank Essential Checking Account ending in XXXX. You opened the account with a {$250.00} Cash Bonus Offer. Enclosed is a copy of the terms and conditions applicable to the offer. Per the terms of the offer, you needed to reach a {$500.00} balance within forty-five ( 45 ) days of opening the account. You then had to maintain a {$500.00} minimum daily balance thereafter for sixty ( 60 ) days. You deposited {$500.00} into the account on XX/XX/XXXX. You needed to then maintain a {$500.00} minimum daily balance for the next sixty ( 60 ) days, which would have been through XX/XX/XXXX. However, on XX/XX/XXXX, a check you wrote for {$25.00} posted to the account. The ending balance in the account on XX/XX/XXXX, was {$470.00}. Because the balance of the account fell below {$500.00} during the sixty ( 60 ) day timeframe, your account was disqualified from the bonus and the {$250.00} was not credited to your account. 

In Fifth Third banks {$250.00} cash bonus offer, it states To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third Essential, Enhanced, Preferred, Free ( GA and select markets in IN, KY ) and Free Checking plus Extra TimeSM ( FL only ) checking account by XX/XX/XXXX, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

In Fifth Third banks response, it failed to mention that I reached {$520.00} balance in my account on XX/XX/XXXX, and kept this balance until now, which is XX/XX/XXXX. 

The truth is that I reached {$500.00} on XX/XX/XXXX, dropped the balance to {$470.00} on XX/XX/XXXX, and reach {$520.00} again on XX/XX/XXXX. It happened within 45 days of account opening. Then I kept this balance until now. In Fifth Third banks term, nothing mentions if a customer drops balance below {$500.00}, then reach to {$500.00} again within 45 day, customer will disqualify the bonus. I did reach {$500.00} within 45 days of account opening, and keep it more than 60 days. Therefore, I believe that I fulfilled Fifth Third banks term. 

Please review your term again, and put {$250.00} bonus into my account. 


Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I tried to refinance my loan to take advantage of lower rates. I was always timely in my responses and providing information or signatures. Most of the requests that I received were replied to within 24 hours. The loan however took so much time on the processor 's side that at the end of it we were pushing the closing right up to the rate lock expiration date. I received my disclosures on the Friday before my closing which was scheduled for XXXX on the following Thursday. On Wednesday, I went to the bank and received a certified check for the closing. I then received an email at XXXX ( 1 hour and 18 minutes prior to closing ) on Thursday with a new disclosure increasing my closing costs by ~ {$1500.00}. I did not have funds in my account to accommodate this new amount and since it was after hours there was nothing that could be done at this point. The title agency was unable to accommodate a new closing date prior to the rate lock expiration date. This means I am not able to close on this loan which means I have to lose any money that I have already put out for credit scores and appraisals. I am extremely upset at how long the loan processor took to process this loan and that I did not receive the disclosure with the final amount within the 3 business days that are required. I would like to the bank to be held accountable for this and refund the fees that I had to pay for this loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to XXXX via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through XXXX, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX 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 2019-10-04 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: TN

Complaint narrative:
I was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and police in my area. XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX AND XXXX XXXX. 
There are also several inquiries on here that ore not mine and needs to come off my report XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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