vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I contacted Bank of America via phone to ensure I had Overdraft Protection on my checkings account ( around XX/XX/19 ) and would not be incurring Overdraft fees in the result of a withdrawal. They informed me I did, in fact, have Overdraft protection and should not be incurring fees. 

Shortly thereafter, on XX/XX/19, I ordered things through XXXX and XXXX took money directly out of Bank of America instead of my XXXX balance ( I hadn't realized the funds would go out of the account but when I saw they did, I remembered the phone call I had with Bank of America where they said I had protection and didn't panic, thinking I had the funds ). Bank of America then charged me XXXX dollars initially, and another XXXX dollars pending in overdraft fees ( an estimated total of XXXX dollars ). I  called them and asked them why I wasn't protected on XX/XX/19. They informed me that even though the credit card used for the protection had plenty of credit on it, it couldn't be used for cash beyond what had already been used. They informed me that " Overdraft Protection '' doesn't mean I am protected against overdrafts, but merely that I have an account set up with them ( but the account I had set up with them would not work ). I asked why when I called to ask about whether I was protected, the limited line of cash credit in the account in question ( which is also a Bank of America credit card account ) were not mentioned, they said I had only asked whether I was protected not whether they would be able to transfer funds over ( and there was a difference between being " protected '' technically and as a matter of whether I was actually protected ). They explained they could tell me I was protected but they were not in charge of ensuring the protection worked unless I directly asked.

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 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I purchased a Mattress around XX/XX/XXXX from Mattress Firm in XXXX WA. I was never told about it being promotional in fact the sales person who sold the mattress said the loan was a two year loan and would be paid off in full after that. She said I could make regular payments. On XX/XX/XXXX I was charged XXXX on annual interest on top of being charged monthly interest for the lifetime of the loan. This loan was though Synchrony Bank. I found out about it being promotional only after months of making a regular payment and found out if I could not pay it off in full I would be charged an annual 29.99 % yearly interest for the balance. I tried working with XXXX and they told me I had to pay off the balance of XXXX in order to not be charged XXXX by XX/XX/XXXX. I dont know what to do, I cant make bigger payments right now and Ive been tricked into a lengthy and never ending loan for. XXXX mattress. I have made every payment on time and never missed. I cant afford to tack on another year. Im exactly back where I started I now owe XXXX. I havent used this loan for anything other than the first purchase for the mattress.

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 2019-12-31 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: BROKER SOLUTIONS, INC.
State: OH

Complaint narrative:
XXXX XXXX and /NEW AMERICAN FUNDING pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, XXXX XXXX and new american funding came back with a false reading they stated my XXXX  was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  at XXXX. I want XXXX XXXX to remove the hard inquiry on XX/XX/2019, and XX/XX/2019 I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again XXXX XXXX and new american funding is not reporting credit score correctly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank transfer funds from my account to an unknown XXXX  XXXX account. The amount is in excess of XXXX XXXX. After contacting Chase bank they instructed me to fill up many forms. This did not stop the transfers, so I personally went to the branch and after visit, calls, forms they stop XXXX  XXXX from taking any more money. 

After 3 months I am still waiting for Chase Bank to refund the money taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: MN

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Bank of the West when there was a promotion of {$250.00} bonus for doing a doing a direct deposit of more than {$1000.00} over 3 months. 

I correctly opened the account by applying online on their website. Below the " Apply now '' button on their website it said that the promotion code is automatically applied. Please see attached screenshot of the same. 

I also met the promotion terms from XX/XX/XXXXto XX/XX/2019. 
Further when I contacted the bank on XX/XX/XXXX, they are saying that the promotion code was not applied in my case and so they denied the bonus. 

I request the bank to kindly issue the bonus of {$250.00} as I applied correctly and met the terms. It is an issue with their website / system itself.

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 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synerprise Consulting Services, Inc.
State: UT

Complaint narrative:
I have a collection report on my credit for XXXX XXXX   in the amount of {$290.00} I do not remember this doctor but would have used my insurance to have labs done. Please send a copy of the labs I am being charged for so this can be cleared off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have asked several times for the documents showing charges totaling {$490.00} that is on my credit reports. I want this cleared off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened an online savings account with a deposit of {$1000.00}. Citibank will not give any information on how to access the account. I have made at least 6 phone calls attempting to resolve, but have had no success. They adamantly refuse to give me any information about my account or close the account and send me back the money.

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 2019-12-31 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: ONEMAIN FINANCE CORPORATION
State: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : ONE MAIN Made on : XX/XX/2017 Made with : XXXX   To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I have a VA Loan serviced by The Money Source. I have had the loan for 2 1/2 years with my first payment of {$1700.00} beginning XX/XX/XXXX. It was actually a little less, but I rounded it up to {$1700.00} for my XXXX XXXX. It went fine until XX/XX/XXXX where I was told I had a shortage to pay or my mortgage would go up. I paid {$1200.00} on that date and thought all was well. I mailed in my normal {$1700.00} on XX/XX/XXXX but got a notification that I was XXXX short as my mortgage had gone up. I complained but started to make my new payments of {$1700.00} starting XX/XX/XXXX. This went along fine until this past XX/XX/XXXX when I was told there is another shortage. XX/XX/XXXX I paid more than the shortage to an even {$1000.00}. Thinking all was fine I kept making my $ XXXX   monthly payments. Then I happened to read my XX/XX/XXXX statement where the new payment is now {$1800.00}. I have called TMS several times to complain but have not gotten any satisfaction. Someone did finally call back but said that even with my paying the shortages, my new payment will still go up. I said that did not make any sense. I should have been offered the opportunity to pay the complete shortage to keep my mortgage the same. He then said if I mail in the same {$1700.00}, I will be in default/late, even though the VA loan is only {$1100.00}. The rest is for the impound account for tax and insurance. I then told him to send me a bill, another shortage statement to bring my payments back to what the have been and he said he could not do that. This is not Customer Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I applied for a refinance in XX/XX/XXXX. I was informed there would be a delay and agreed to a closing date of XX/XX/XXXX. 

I complied with all requests for documents. My last communication to XXXX ( loan processor ) was on XX/XX/XXXX. She did not respond. 

On XX/XX/XXXX I called ( after receiving the out of office message on XXXX   voice mail ) PNC Mortgage and inquired about a form. I received an email today XX/XX/XXXX informing me my loan would not close on XX/XX/XXXX. 

At no time was I informed there would be a delay and why am I just being notified on XX/XX/XXXX that my refinance would not happen. 

Furthermore, PNC wont provide the name of the person in which to escalate my complaint. They are informing me to send my complaint to a generic address. 

This delay has cost me time, money and leave as I have contractors scheduled to do work when Im off. I dont know if I can reschedule the leave. 

In addition, PNC should be financially responsible for this delay. I am paying for services rendered and they were not rendered timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CAPITAL ONE BANK USA Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: LA

Complaint narrative:
Summary of problem! XXXX XXXX  has not been paid yet and payment according to the Closing Documents we signed, this was to be paid XX/XX/XXXX. THEY HAVE NOT BEEN PAID OF THIS DATE. 
Order of process to date : Note : I have copies of the documentation and will be able to provide them to the Louisiana Consumer Protection Agency which will initiate investigations by the State of Louisiana and the Department of Veterans Affairs. 
- XX/XX/XXXX I received notice of Loan Approval for loan number : XXXX - XX/XX/XXXX A contract Notary representing XXXX XXXX witnessed the contract closing. This date was changed from XX/XX/XXXX. Special note the contract was received by the Contract Notary at XXXX on XX/XX/XXXX, in other words it was current. We signed the contract and the cost of the Notary was not include in the online documented paperwork, so I had to go to my credit union and get a certified check for {$110.00} to pay the Notary. 
- XX/XX/XXXX, our current mortgage provider was not paid as indicated by the Closing Instructions under Disbursement Date : XX/XX/XXXX. Special Note : I have a copy of Loan Depot Lifetime Guarantee under Important Steps item one it states Please note that your previous mortgage payoff and/or disbursement may take up to 5 business days from XX/XX/XXXX to XX/XX/XXXX is currently 41days and still no payment to my current mortgage holder. 
- On XX/XX/XXXX I was current on my mortgage payment and on XX/XX/XXXX I was current on my mortgage payment. I was compliant when we closed on XX/XX/XXXX. 
- XX/XX/XXXX I am asked by XXXX XXXX to print and sign a new copy of the closing contract and forward it to Loan Depot. I did comply but as an un-notarized addendum to the contract I believed the activity would violate Louisiana Law and  would then make the contract non-binding. 
XXXX  XXXX, XXXX has not paid my current mortgage holder and now XXXX XXXX has changed the cost break down without my approval or signature. As you are aware to change an in-place contract it requires the approval of both parties involved in the transaction. I will not honor my obligations due on XX/XX/XXXX until you honor your obligations of the XXXX  Contract to pay the current mortgage holder on XX/XX/XXXX. You pay and I will become easier to work with. 
LoanDepot.com has initiated my first payment on this loan on XX/XX/XXXX. I will not make any payments to you until my current mortgage holder is paid in full including penalties and fees caused by your constant delays and excuses. 
I have recently received a letter

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I am a victim of identity theft.

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 2019-12-31 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: CA

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The owner is deceased, This home belongs to an estate. All documents and required documents were submitted to Ocwen Loan Servicing.

All documents were submitted : Loan Modification Family Transfer Package Owner Occupancy Certification Applicant Information Form Application Identification Certificate XX/XX/XXXX - The Transfer Deed was recorded for the grandson.

Everything Ocwen requested was done. XX/XX/XXXX. 
The transfer took place in XX/XX/XXXX. PHH refuse to even look at all of the submission even though PHH is an Ocwen Company.

They did have a sale told for XX/XX/XXXX. They said it was cancelled but we are not sure and the way they have told us so many stories every representative telling us another story that is why we are coming to you for help. 
We wanted to send them all that was sent but they refused, they claim the loan is being reviewed, for what and how can we be sure? ID # XXXX said the sale was on hold. on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Financial Guardian, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX a lawsuit was filed in XXXX XXXX over non-payment of home owner 's association dues owed to XXXX in the XXXX ( a legitimate debt ). 
XXXX XXXX - Letter from XXXX XXXX XXXX indicated that the amount remitted was insufficient - a new check was issued for {$4200.00} and negotiated by XXXX XXXX XXXX on XX/XX/XXXX on the condition was that the debt would be discharged and the lawsuit would be dismissed ( case # PCL XXXX ). 
XX/XX/XXXX I was notified by the XXXX in the XXXX office that the balance had not been paid XXXX XXXX - XXXX XXXX XXXX XXXX with a written response, copies of the cancelled check and to date, have not received a dismissal of the lawsuit or acknowledgement of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: CarMax, Inc.
State: MD

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : CARMAX AUTO FINANCE Made on : XX/XX/2017 Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation