vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: DC

Complaint narrative:
I received an automated all from XXXX stating my credit card was billed for Paypal {$290.00}. + and if I didn't agreed to call another 800 so fast I couldn't even hear. 

I called the XXXX-number back and a foreign man answered. I asked what is this he said your Paypal is billing your credit card $ XXXX.+ and I said no the XXXX your not. This if Fraud I didn't authorize that! Where are you calling from? He then hung up. I don't even have an active Paypal account but have several credit cards so I don't know which one they were evening talking about and haven't used Paypal in a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: LA

Complaint narrative:
My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
After speaking to Finance of America Mortgage LLC about refinancing my current mortgage that I have with XXXX XXXX I was asked what I thought my home was worth. I told XXXX XXXX that my new insurance just insured me for XXXX as my value and then he asked me what I owed ( XXXX ) and he said those numbers were enough to refinance form an FHA to a Conventional loan to remove the PMI and lower our monthly payment going forward. He never told me that the apprasial could come in much lower and to be prepared for different numbers if it did. 

He advised that he would run the numbers and gave us 3 options, all where would get around 7 to 10 thousand dollars back at closing. He advised that I needed to sigh a rate lock form and give him a CC for an appraisal that would cost {$470.00}. 

I said I would not do that without seeing final numbers and he said not to worry about any of that the {$470.00} would be reimbursed at the closing cost and I would not have to pay that out of pocket. it would only be held on my card until closing. 

The appraisal came back at XXXX and they told me that I would now have to pay at closing and I was losing my {$470.00} as well. I said I was never explained that and I wanted my {$470.00} back as promised and I was not going to pay them anything. 

They told me how to cancel or how to get into a different loan that were not the numbers that we discussed and have now stopped communication with me. 

I want my money back and I want to file a complaint against them. 

XXXX XXXX - Director of Sales NMLS-XXXX XXXX XXXX - Sr. Mortgage Advisor NMLS-XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 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:
My information has been compromised and used without my knowledge. It is the direct result of the numerous Equifax breaches and them leaking information to sell identity theft products. As a result of Equifax willful negligence which is the direct violation of federal law section 609 ( a ) ( 1 ) ( A ) and 617 my credit report has been injured. False fraudulent information has submitted without my knowledge. There are no contracts baring my wet ink signature there are no records of this fraudulent debt. I will submit a copy of my credit report in which items masquerading as accounts were deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
This is a continuation of CFPB Complaint XXXX As of today, XX/XX/XXXX Bridgecrest HAS NOT provide the Title for my vehicle to XXXX XXXX XXXX XXXX. XXXX XXXX is still waiting for the Title from Bridgecrest. XXXX XXXX XXXX XXXX did confirm on XX/XX/XXXX that they received the Lien Release on XX/XX/XXXX but have not received the Title as I requested in XX/XX/XXXX when I sent the payoff check USPS Certified Return Receipt. Bridgecrest HAS NOT RESOLVED THIS ISSUE. They need to send the Title to XXXX XXXX XXXX which is NORMAL and CUSTOMARY when a loan is refinanced with another institution. 

As Bridgecrest was the original lender when I purchased this vehicle, and are the only party that ever had a copy of the Title in my name, they need to provide the title to XXXX XXXX XXXX XXXX as I requested in my USPS Certified Letter mailed XX/XX/XXXX. Copy Attached.

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 2020-02-19 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 — Investigation took more than 30 days
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
After reviewing credit report I noticed a collection account contacted the agency they sent out a validation letter I responded within 30 days in writing requesting all information regarding this account received a call one week later from one of the callers I once again asked for account information and was told they did not possess any original contracts documents or proper information about the account and they would request it from the original creditors 7 months later still no proof and its still being reported to the credit reporting agencies I do believe that they are reporting in error and are violations of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was advised for the first time ever I owe over {$700.00} in interest that I was wrongfully charged. I was brushed off & treated condescendingly/unfairly/discriminated against. I have always paid my bills on time & have never paid interest. I was lied to on numerous occasions regarding this interest. I want it removed off of my 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 2020-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Trying to refinance my home loan with Loan Depot. Original contractor is trying to over bill me for services not completed. Loan Depot said there is nothing they can do and my home mortgage being able to re-finance can not be completed until contractor signs off on work payment. Its been since XX/XX/2018 no work has been done on my property and contractor left on his own. Did not finish job. I am being charged 5.5 % interest and could have re-financed long time ago at 3.5 % saving me almost 7200.00 per year in interest. Bank refuses to let me re-finance my property as in the contract. How long can the contractor hold my house hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
Renasant bank has charged me {$250.00} in over draft fees in less than 30 days. They are reordering my transactions, paying transactions while charging me a {$36.00} fee then returning the transaction and charging me a return fee. This has happened with one transaction twice.

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 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not a duplicate. i needed to add additional information File # XXXX Company : XXXX XXXX XXXX XXXX CA XXXX Balance {$19000.00} type : unsecured loan Credit Company : TransUnion XXXX has been continuously reporting incorrect data to my credit breu. 
the credit bureau has been telling me they can see it but was not able to do anything about it. 

They tell me that XXXX has reopened my account that was closed and charged off in 2017 they changed my open dates. and they have reopened my account and has been charging it off every month. she says it has been affecting my credit but she was not able to do anything an directed me to you. i spent 2 years getting my credit back right and in XXXX they have been sending in accurate information stopping me from achieving credit repairs..

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 2020-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new Walmart - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: DISCOVER BANK
State: CA

Complaint narrative:
In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a notice that a fraudulent account that was previously removed from my credit report was sold to a collections agency. I have been dealing with identity theft for the past 2 years. I was told that I can not have the item removed because the collections agency requested that the fraudulent item be reinserted. I have provided FTC and police reports as well as requesting the written documentation which I have not been provided with. I wish to file a formal complaint with company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Ocwen Financial Corporation
State: UT

Complaint narrative:
PHH Mortgage Services # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Staff, I am complaining that Chase doesn't meet their statement that Chase would deposit the upgrade bonus within 10 business days into the account when all the requirements have been met. 

I upgraded my Chase College Checking to the Chase Sapphire Checking with the {$1000.00} upgrade bonus on XX/XX/XXXX in a local Chase branch, where the tracking number is XXXX, the banker is XXXX XXXX XXXX, and the upgrade code is XXXX XXXX XXXX XXXX. 

To receive the upgrade bonus, it requires that " within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, ( excludes any J.P. Morgan retirement accounts and CDs ) and maintain that balance for 90 days. * I have met the new money requirement, from my external accounts and it is confirmed by XXXX, a Chase staff on XX/XX/XXXX, via the Chase Secure Message, saying that : " We show you are enrolled in the {$1000.00} bonus offer for the checking account. Under the rules for the promotion, you need to make a new money deposit of {$75.00} by XX/XX/XXXX, which I'm showing that you have met. The {$75000.00} must remain in the account for 90 days until XX/XX/XXXX. '' After I have met all the upgrade bonus requirements, I consulted Chase about it, and got a reply from XXXX, a Chase staff on XX/XX/XXXX saying that : " XXXX, we have receive the response from our Research Team. They confirmed that you did not maintain the {$75000.00} balance for 90 days that ended on XX/XX/XXXX. 
Your total balance was {$33000.00} ( investment - {$17000.00} and Deposit - {$16000.00} ) as of XX/XX/XXXX. '' However, the balance history from the Chase website about my Chase You Invest account clearly shows that I had a balance of {$67000.00} but not the {$17000.00} as of XX/XX/XXXX. The statement of my You Invest account from XX/XX/XXXX to XX/XX/XXXX also clearly shows that I have a {$67000.00} balance on XX/XX/XXXX. 

From the statements of my Chase Checking, Saving and You Invest accounts from XX/XX/XXXX to XX/XX/XXXX, it is also clear that I have met the requirement that " the {$75000.00} must remain in the account for 90 days until XX/XX/XXXX ''. 

I attached the screenshot of my You Invest account balance history, and all the statements of my Chase Checking, Saving, and You Invest account from XXXX, XXXX to XXXX, XXXX as evidences. 

Could you please help me with the missing upgrade {$1000.00} bonus issue? 

Thanks very much for your help! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/20 I deposited a check for {$10000.00} using a SunTrust ATM. On Tuesday XX/XX/20 the deposit still was not recorded in my account. So I called the corporate customer service line and they said a hold was placed on the check. I am a 35 year customer wth the bank and have never had a check held before. The bank says they allowed me access to {$200.00} on XX/XX/XXXX and that I can have access to {$400.00} more tomorrow ( XX/XX/XXXX ). Then on XX/XX/XXXX they will allow me another {$4400.00} and finally on XX/XX/XXXX I can get access to the final {$5000.00}. This is an outrageous inconvenience to me and greatly hampers my cash flow. 

On XX/XX/XXXX I deposited another check for {$4000.00} and discovered this morning that that check is also being held and I have no idea when those funds will be released. Also over night, in the name of " overdraft protection '' the bank charged a separate personal account for {$9300.00} putting that account also in an overdraft status. But the corresponding account being protected was not credited for that charge, In addition, the original account to which the funds had been deposited was charge another {$10000.00} for a hold though no check was deposited to be held. As a result, two of my accounts are recording deep negative balances ( though neither was in arrears when the deposits were made ). I need access to my cash and the bank is not cooperating in any way to review the reasons for their actions. I need help to get SunTrust to take care of my problem. 

I have emailed a senior Vice President, I have made expedited complaints and requests to have my accounts reviewed, and I have visited my branch manager three times in two days. All to no avail. Can you hep 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 2020-02-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY EQUIFAX CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX SERVICES ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX  HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY XXXX  CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX XXXX ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.

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