vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On my XX/XX/2018 bank statement i observed two unauthorized charges from XXXX Store ( {$920.00} and {$170.00} ) which as soon I noticed them I reported to the bank so they can investigate this matter.. The first time I contacted the bank they asked me a few questions and one of questions was if I had the card in my possession since I only use credit cards for emergencies I though the card was in my possession and my answer to their questions was YES, however ; after going through my Cards I realized that the card was not in my possession. 

A couple weeks later, I received a denial letter from the bank making me responsible for the charges although I explained to them that those charges were not made nor authorized by me. I contacted the bank and I explained to them that the card was not in my possession at the time the fraud took place however the bank insisted that I was responsible for those charges. 

As a consumer, it is my legal right to request evidence for the disputed purchases and a voucher with my signature is the only evidence that will make me liable for these charges if in fact I made these purchases. I have requested in many occasions to the bank to provide me with the vouches as I as I want to verify my signature but the bank has refused to provide me with such important piece of evidence. 

The bank is being bias and because I said by mistake that the card was in my possession when I filed my claim the fist time they are using that against me but they dont really have any evidence at all to prove that those charges were made by me. 

Technically speaking I should not pay for these charges however, currently I am paying for these fraudulent charges just to keep my credit in good standing. 

I need for the cfpb investigate this matter and to resolve it in a fair manner otherwise I will exercise my legal right. 

.

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 2019-10-21 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: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}. 

Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019. 

I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 )  {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!

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 2019-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: TN

Complaint narrative:
On XX/XX/2019 I open a checking account online with Iberiabank. At the beginning of the application process their website states : This account opening process will only take a few minutes to complete. You can also save and retrieve the application later if you need to. We welcome all applicants who reside in Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Tennessee, and Texas states to apply online. You must also be a United States Citizen to apply for an account online. For all non-U.S. Citizens, please go to your nearest branch to apply for an account. 
I applied, made a deposit, got information for online checking and was able to log in with my new account number. I received several emails welcoming me. I found out a day later that my application was refused because I didnt live within 60 miles of a branch. This was standard policy. No where on their website or during the application process did they mention this fact. You would think their application process could easily determine if you live within 60 miles of a branch. If this was the policy then why not simply state that we take applications in these states as long as you live within 60 miles of one of our branches. The way it sounds as long as you live in one of these states you can open an online checking account.I had already set up direct deposit from work. Thankfully I was able to cancel this before my next check came out. Can you imagine the trouble I could have incurred with my pay check going to a closed 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 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
I made a double payment in which one of the payments was applied towards the principal balance as it should have. However, the second payment also was applied to the next monthly payment. The second payment should have reduced the principal balance that interest is being charged against which would reduce the monthly payments. The company is not recalculating the interest that should be charged by applying the overpayments towards future monthly payments.

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 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX Specialized Loan Servicing Correspondence Department XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Loan Account # XXXX As instructed, I am writing for a complete financial review of the referenced account for property XXXX XXXX XXXX XXXX New York XXXX owned by XXXX and XXXX XXXX and serviced by Specialized Loan Servicing. 

This is the latest in a series of calls, faxes, and letters concerning this matter. As recently as yesterday, I received a call early in the morning from SLS stating that the account is delinquent. This despite proof that payments have been made on time and complete since the origination of this loan in XX/XX/XXXX. 

I have repeatedly requested someone with a name and title to speak to from SLS.  This has been denied in favor of a series of calls from customer service stating delinquency and asking what my intent is for the property? 

Despite having copies of the front and backs of checks cashed by SLS and the TD checking account bank statements ( total of 10 checks for the months of XX/XX/XXXX XX/XX/XXXX ), I have been repeatedly asked for check numbers and amounts! 

Update XX/XX/XXXX - 11th check dated XX/XX/XXXX received and cashed by SLS. 

Finally, the few account statements that I have received are contradictory and inconsistent. I have been having this discussion with SLS all year. 

I am tired of getting the runaround have been seeking a alternative, reputable financial institution to take over this mortgage. Until then, this matter must be resolved. 

Ask that the abuse stops and that someone responsible at SLS contact me at XXXX or XXXX. after they have reviewed the original loan documents, payments received, and all correspondence. 



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 2019-10-21 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: NC

Complaint narrative:
Incorrect information reporting.

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 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I purchased the vehicle back in XX/XX/XXXX with PNC Bank financing sourced directly through the dealership. I never received an electronic log in or any paper or electronic statements when creating the car note. After making payments on time/early in person or over the phone for ~ 2.5 years, the rep on the phone gave me a one time pin to set up electronic payments to which I set up into the future over 12 months. 

Subsequently, I purchased a home in XX/XX/XXXX and have been dealing with a large renovation that has displaced me and my family. We have been staying with relatives for the past 6 months. Over the summer, my automatic payments ended as there was no option to set them up indefinitely. I did not notice that the car payments had stopped coming out as I had been occupied with other things like payments going to contractors and they had been automatic for such a long period of time at that point. 

The last payment ( confirmed this afterward ) was XX/XX/XXXX and I received no phone calls, physical or electronic statements, email notifications or any other attempts to notify me that payment was late or due until on XX/XX/XXXX when I received an alert from XXXX XXXX telling me I had a new 30-day late mark. 

I had no idea and immediately went down to my local branch and brought the vehicle loan current in full. While there, the branch manager noted that whoever set up my PNC Bank account did not enter in the correct phone number. She also noted that they had received a notification of change of address from the USPS ( I used there mail forwarding service ). I told her that I had not received any communication from the bank during this time and to this date, XX/XX/XXXX, I have never received a monthly statement showing me the balance of my auto loan. 

I asked the bank if they would remove the 30-day late mark as no attempt was made to contact me to notify me of a past due balance as well as no statement or evidence was provided to me alerting me that I wasn't paying them. They told me I would have to file a complaint and that they would not remove the mark. 

I also wanted to note that during the time of non-payment, even though I received no communications about the standing of my account, I received emails and physical mail from them asking me to open a HELOC or apply for a credit card. This is evidence that the bank did have a way to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My PayPal Mastercard via Synchrony Bank was canceled without notice.

User Agreement " You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. '' I was told that two returned payments were the reason for the canceling of my card for the amounts of {$100.00} and {$100.00} in late XXXX. The amount was readjusted for XXXX, and my account still active. I posted a payment of {$1000.00} on XX/XX/2019 and the amount posted to the account on XX/XX/2019. 

I continued to use the card WITHOUT knowledge of its apparent imminent cancelation for a remaining balance of approx. {$850.00} which will now accumulate interest until payment without my full access to the card.

PayPal/ Synchrony did not notify me prior to an imminent cancelation as stated by law and their own User Agreement. Since I was never notified of any transaction being deemed " Suspicious '' PayPal/Synchrony has no basis to cancel my account without notifying me prior.

A customer service call to a representative of PayPal claims to have also spoken to a Synchrony representative while I was on hold on XX/XX/2019 at approximately XXXX XXXX. I was told the account could not be reopened. The representative spoke to a supervisor ( upon her own accord ) who also told her it was not possible to reopen the account. 

This comes at a very bad time for me and has/will cause undue financial stress. I also was denied the 2 % cashback reward for all purchases while my card was active. This is the primary reason I used the PayPal Mastercard instead of my Debit Card. I've been misled and had an illegal action taken against me due to the lack of notification.

PayPal/ Synchrony made no effort to rectify any of the aforementioned issues.

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 2019-10-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I bought a used car thru Westlake Financial with an interest rate of 22 % and additional insurance I thought it was Gap. In  XX/XX/XXXX while driving home something happened to the chasis and I lost control. The car was considered a total loss and paid off thru my insurance. The SUV was valued at {$14000.00} XXXX for a used car and the miles. I continued paying off my car payment of {$500.00} a month. But unfortunately I don't have transportation so I stopped making the payments. These last seven months I have tried working with an outside credit counseling organization so they can have them stop calling me at work at all times and at least making a comprise of lower payments less than 500. According to Westlake Financial I  owed them {$3000.00} and now the amount has climbed to {$4200.00} for the difference of the SUV. They valued the SUV at more than {$19000.00} and XXXX valued it at less than {$14000.00}. My car insurance also had to pay the car registration which Westlake Financial also was charging me {$600.00} dollars for interest. I feel bad Westlake has left two envelopes twice at my door. My brother saw them ringing the bell and leaving the envelopes. Their collection calls began with area code XXXX and have made calls in one week totaling 50 calls with voicemails. The caller seems angry in their voicemail. My company pays for my phone and they have warned me that my calls exceed what is costumary for work. I would like for them to stop calling me more than 50 times in one week, to stop leaving envelopes at my door and ringing my door. I would like to make payments of {$120.00} for 3 years. I have no car and still owe the SUV because I was unaware of their tactics of telling me that it included GAP. Please help I don't know where else to seek help. Unfortunately I feel like a fool for not reading the fine print and relying on their word. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: CA

Complaint narrative:
On XX/XX/2019 at around XXXX XXXX, I have received a disturbing email from PayPal that I made an " authorized '' payment to XXXX XXXX XXXX for the amount of {$1300.00}. It was clear that someone used my log in information to use my PayPal account to buy something from XXXX XXXX. I went online to use the PayPal Resolution Center to submit a dispute for this fraudulent transaction because their phone operations was closed then. PayPal told me it would take less than 9 days to " investigate '' my case. Come 4 hours later, I have received another email stating my case was denied. Following morning XX/XX/2019, I made a phone call to them stating my case verbally. The customer rep. seemed very enthusiastic to help me get this matter resolved and told me not to worry and she would appeal my case and respond via email. Come 3 hours, I get another email from PayPal saying my appeal has been denied. So far I've been denied twice. I then called my bank to stop payment for {$1200.00} ( This was the difference that PayPal tried to collect after they used my {$80.00} that was in my PayPal Cash Account/Virtual Wallet ). The bank happily put a stop payment even though it hasn't shown in the account activity, so I was able to intercept the charge. I then called PayPal a second time to see if they can escalate my case, but unfortunately customer rep told me he couldn't do anything else. According to them, the fraudulent transaction was " authorized '' from me. So I figured putting a stop payment would revert everything to normal. Obviously I was wrong when I logged into my PayPal account on XX/XX/2019 around morning and immediately noticed they put a negative charge of {$1200.00} on my virtual wallet account. Furious, I called them up a third time to see what they could do to rectify this problem : the only thing the customer rep. did this 3rd time around was re-open the case and appealed it again. I'm pretty sure it wouldn't solve anything a third time. I have been a loyal XXXX customer for over a decade so it doesn't make sense why I would pay XXXX XXXX. I don't even have an account with that phone company. I have been a loyal customer with PayPal for almost 2 decades and have had a good status with my account until now. They are supposed to be safe and protect the customer but their 2-3 hour investigation ( after they told me it would take 9 days ) wouldn't help my case at all. I'm very upset and stressed over this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
Approximately one year ago, I requested that my mortgage company, NewRez, re-evaluate my home as the market had improved and I believed ( and still do ) that the LTV on my property was at a level that would warrant the removal of the PMI payments from my monthly payments. They recommended a BPO and I sent them a check. Several months went by and I called to check only to find that they had " misapplied '' the payment to my principle and assured me that this would be corrected. For the past 3-4 months, I've been going in circles with them and getting nowhere. They claim to have escalated the request but nothing has been done and I continue to pay PMI premiums. At this point, I am considering refinancing with another company to avoid dealing with them altogether. I hope that others do not have to experience what I have been dealing with. During my latest exchange, I asked to speak to a manager and was told he was too busy. NewRez was not my choice, they simply purchased my loan servicing agreement and this is in no way a fair way to treat a borrower.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
Incorrect information reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NC

Complaint narrative:
Incorrect information reporting.

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 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
ARAGON COLLECTION AGENCY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX VICTIM OF IDENTITY THEFT, NEVER USE FIRE RESCUE, MY IDENTITY STOLEN. I HAVE FAX MY COMPLAINT 2 TIMES ON XX/XX/2019 SPOKE TO SUPERVISOR XXXX ON XX/XX/2019 EST XXXX XXXX  SHE STATED COMPANY NEVER RECEIVED THE 2 FAXES PROOF FAX NUMBER # XXXX SEE FILES UPLOADED. PROOF OF FAXES AND PROOF OF IDENTITY THEFT COMPLAINT COMPANY ARAGON COLLECTION AGENCY REFUSES TO REMOVE FRAUDULENT I XXXX DEMAND FOR JUSTICE AND REMOVE THIS NEGATIVE XXXX XXXX XXXX XXXX REPORTING TWICE SAME 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