vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Sychrony Bank - Over the past 18 months, I have made three payments : {$360.00} ( XX/XX/2020 ), {$200.00} and {$500.00} ( XX/XX/2020 ), on two separate accounts. Each time they posted the payments to someone else 's account entirely and did not credit my account. I paid the {$360.00} a second time and it posted correctly. The {$200.00} and {$500.00} ( both in XX/XX/2020 ) have never posted to my account and I was forced to make yet another payment. Because of Synchrony 's error, I am out {$1000.00}. When I called to remedy the error, I was on hold for over 45 minutes before the call disconnected. The owner of the account the payments was posted to also called, with no resolution. I have attached proof of my payments and proof of the account they were posted to. I do not know where the {$500.00} posted, but it has cleared my bank.

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 2021-01-05 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from Synchrony Bank and PayPal Credit stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from Synchrony Bank and XXXX to identify the correspondence. I called Synchrony Bank on XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.

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 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Good Afternoon, I opened a HUNTINGTON 25 checking account around the beginning of XXXX. This process was awful from the beginning. The advertised terms were deposit $ XXXX for 3 months and receive a {$500.00} sign up bonus. I opened an account with Huntington and then initiated a transfer. Approximately one week after initiating the transfer, the money had not been successfully showing in my Huntington Account. I called Huntington around XX/XX/2020. I was told my account was on a Fraud hold and I needed to show ID in branch. I was not informed proactively of this hold on my account. That is very shady in my opinion. How can you have someone's {$25000.00} transfer for their personal XXXX XXXX XXXX XXXX account on a fraud hold without letting them know. My Deposit showed with an effective date of XX/XX/2020 with Huntington. 

On XX/XX/XXXX or XX/XX/XXXX I had yet to receive my {$500.00} promotion. I called Huntington and asked why. They informed me it was because the deposit was classified as a credit, not a deposit. To me, putting money in bank account is a deposit, the method of transfer is irrelevant. If I would have deposited the $ XXXX in cash I would have had a anti-money laundering SIR opened against me. Therefore, transferring and having an electronic record of from where the funds are coming are the better, safer way of depositing money. I asked the representative to open a case for research on my behalf. I was told my case number was XXXX. 

I contacted Huntington bank on or around XX/XX/2020. I provided the case number and the representative put me on hold. About 10 minutes into my hold the phone disconnected. I tried to call back. A day or so later I called again, was put on hold by the rep and about 10 minutes later the call disconnected. 

Today, XX/XX/2020, I called and spoke to a representative. Before putting me on hold, I explained to her that this has happened in the past and the call disconnected. 18 minutes into the phone call the call disconnected while still on hold, again. Fortunately, the Representative called me back. I was told my account was not eligible for the bonus as it was not 'new money ' because it was transferred from another account as its deposit and not cash or check. As a consumer, reading 'new money ' I interpret that as money not with Huntington . 

To me, this is a classic example of a bait and switch. Completely unfair advertising practices and taking advantage of people. 

Please review this and help my wife and me. We are trying to start a family and need to have IVF. We must pay out of pocket for all of our IVF treatments and the $ XXXX we deposited is the money we have set aside for the procedures. The {$500.00} bonus was very important to us to help start a XXXX if we're fortunate enough to have a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
I have submitted multiple disputes to Transunion, XX/XX/XXXX andXX/XX/XXXXabout the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report

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 2021-01-05 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: LA

Complaint narrative:
I have submitted multiple disputes to XX/XX/XXXX, Equifax, and XX/XX/XXXX about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a letter from American Express on XX/XX/2020 indicating that my line of credit had been reduced by over 50 %. 

I attempted to use my card at a business that I used to own, although I no longer have any relationship with. American Express refused to acknowledge any evidence that I no longer have a relationship with the company. 

I worked diligently to try to correct the error with the company. The company refused to hear my appeal. 

I believe that employees processing my request used my XXXX orientation against me in the refusal to hear my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I applied for two loans with PennyMac in the second week of XX/XX/2020 One was a refinance of my primary home for {$510000.00} and the second was a cash out loan for {$370000.00} on my investment property. I specifically requested a simultaneous closing of both loans at the same time and the agent agreed to that. On XX/XX/XXXX I received two e-mail confirmation of the application, rate lock and other details including the estimated cost. Finally they closed the cash out loan on XX/XX/2020 and they charged me more than {$10000.00} as their fees. At the same time they assured me the second loan will be closed in less than 10 days. However nothing happened since then except they kept on asking for the same documents over and over again. Also they checked my credit again last week claiming the initial one already expired. 

Before agreeing to close the first loan, I specifically told them I don't want to close it unless the second loan also closed. But it seems like their goal was to collect the fees on my first loan and somehow manage not to close the second loan. 

They asked me to show a XX/XX/XXXX balance on a particular credit card. I did. Then they again asked me last month and I did and now they are asking me again this month to do the same. I paid all my credit cards in full every month before the due date and I always have recurring charges. They asked me today not to use that card until the loan is closed. I told them I can not because I have recurring charges which I don't want to cancel. 
Now they are threatening me with 48 hour deadline to provide them with the XXXX balance statement or they said they will reject the loan application and close the file. 
It is very clear that it is intentional on their part because why would they close on one loan and not the other one. 
I believe I lost opportunity for better terms including rates due to their inaction. If I knew they were not going to approve the loan, I wouldn't have took the first loan because I was getting better offers elsewhere. 
Please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I am being charged for services that I did not receive. I am being charged for someone elses services on my credit report. There is no contract between XXXX XXXX XXXX and Myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: LA

Complaint narrative:
On XX/XX/XXXX, I sent in a dispute letter to Experian. On XX/XX/2020. They sent me an automatic letter back saying my account has been updated .In the dispute letter I informed them that the account clearly hasn't been verified because I never had a 1 month agreement / term or lease with XXXX XXXX XXXX Especially if it was a charged off account and / or collections how can you have an agreement with a collector for 1 month? I then indicate that it is wrong and it hasn't be properly verified. They again sent me something back stating the information has been updated and I should see it now on my credit report. I clearly indicated with a screen shot of my report it is not correct. They did not UPDATE my credit file they only updated the " Status Update " Date.

Please see all attached. 

According to the FCRA if this information is reported inaccurately I have the right to dispute and it should be removed from my file and that is not what is being done here. I dispute and they indicate it is updated. This is causing me not to obtain credit and it is frustrating I have to continue to explain my self after doing so. 

I've attached : DL SSN Card Payroll statement Letters sent directly to the bureau

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 2021-01-05 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: FL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I opened this account in early XXXX and closed and paid this account in XXXX XXXX. I noticed on my credit report that the account was still showing I owed a balance of {$870.00} and a monthly payment of {$150.00}, as well as saying I was late two or three times. This information was incorrect, and I emailed them and called on the phone. They asked me to provide proof so I attached pictures of my credit report. They told me it would be fixed, it was inaccurate and would be updated on XX/XX/XXXX. I waiting over a month, and checked my report to find that all reporting agencies had updated except Transunion. I reached out to Transunion filed a dispute and submitted documents to them showing proof the information was inaccurate. On XX/XX/XXXX Transunion said the documents were verified Accurate. I find out today, the last time XXXX XXXX reached out to them to update information was on XX/XX/XXXX, and have not actually check any accuracy on my account. Mind you my email correspondence with XXXX XXXX was on XX/XX/XXXX. Since then there has been no luck, and Transunion should have deleted the account because falsely stated it was verified accurate, when they never spoke with Self lender to verify it's accuracy.

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 2021-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I refinanced my house with this company. Once the process was complete I started getting daily phone calls and certified letters from the mortgage company saying I am late on my payment. Apparently the paperwork I signed was missing a signature line so they were unable to close out my old loan, but somehow managed to open a new one and now have 2 mortgages due on my house. I have been paying the new one, and apparently just need to resign the papers so the loan company can close the old one. I don't think it's even legal to have 2 loans on the same property, but either way, mortgage company and title company keep referring me back to the processor at community loan servicing, who handled the paperwork for my loan. I can not get the lady to respond, she responded once and said she would send someone out to sign new paperwork but nobody ever came and she stopped responding again.

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 2021-01-05 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: FL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2021-01-05 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: FL

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a National Credit XXXX for XXXX that isnt my debt, and it is hurting my credit. It is only with XXXX, but XXXX hasnt removed it through disputes, and the company doesnt provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Unfortunatly while working out at a local gym I was robbed of all my items. My bookbag had literally all of my important items in it. My wallet, my car keys, my phone, and some of my clothes. Upon discovery I did file a complaint with the gym and a police report at a later time. Unfortunately as I stated, my keys and phone had been stolen. I had no money and no way to contact anyone. I contacted the bank as soon as I purchased a new phone about 2 days later. Basically the bank is holding me accountable for fraudulant activity on my account. I had NOTHING to do with this. Based off what the bank told me this was all done in XXXX Tx. I have proof on these dates of fraud I was in XXXX XXXX! I had my property stolen, my bank accounts hacked and I am held responsible. This is such a inconvience and not fair! A proper investigation must be completed!!!!

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 2021-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Complaint I refinanced a rental house with Ameris Bank in XXXX of XXXX. My house was insured with XXXX. The last payment XXXX received was XX/XX/XXXX from me. XXXX XXXX sent all my information to Ameris Bank in XXXX when I refinanced the house. When XXXX got no response from Ameris, they started sending me bills. 
I contacted Ameris Bank : XXXX XXXX XXXX XXXX, Branch Manager, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX ( D ) XXXX | ( C ) XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Ameris Bank Investor Sales Coordinator II XXXX XXXX XXXX XXXX XXXX, GA XXXX ( D ) XXXX | ( O ) XXXX XXXX On : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Ameris Bank Customer Service XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX On : XX/XX/XXXX Ameris Bank Mortgage Services Insurance Department XXXX XXXX XXXX Texas XXXX XXXX On : ( Phone records dont go back far enough ) XX/XX/XXXX thru XX/XX/XXXX talked once XX/XX/XXXX I spoke twice with a lady that talked rapidly with a very thick XXXX accent. Each time I asked for the insurance department, I was transferred to her. 

I also contacted my local insurance agent to make sure my bills were escrowed. XXXX never received payment from Amerisand now my insurance is canceled. Travelers wont reinstate my insurance because the bank ignored them. I was told by Ameris in Texas the past due amount was paid and they gave me the check number. I wish I had not used Ameris Bank to refinance my house.

Ameris told me that the past due premium was paid to XXXX. On XX/XX/XXXX, I emailed Ameris and said I expected the bank to pay any late fees and to call me and my insurance company. XXXX XXXX emailed me and said it was overnighted. No calls were made and on XX/XX/XXXX, I received an email from XXXX XXXX in XXXX with the check number saying it paid the past due insurance premium. The lady in Texas told me when I talked to her mid- XXXX, since the check was mailed right before XXXX, it was slow reaching XXXX. When I checked my statement, it was labeled a disbursement and taken out of my escrow account. 
I have a record of emails dating back to XXXX. 
My local XXXX agent is drawing up another quote with another company. The new insurance company has been promptly paid a year in advance, however the premium is {$51.00} higher than XXXX. It is not my fault my insurance was canceled and I shouldnt have to pay the difference out of my escrow account. My local bank representative in XXXX, XXXX XXXX, has been forwarding all my emails to XXXX. He appears to be clueless as to the mishandling of my money. 
This nightmare is not my fault.

Company response to consumer: Closed with explanation