vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TAG Financial Services Inc.
State: GA

Complaint narrative:
I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. XXXX XXXX XXXX XXXX and TAG Financial is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used XXXX connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX. It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove any extra names and addresses on my report. They do not belong to me. I only want one address reporting on my credit report. I provided both proof of ID and address in the documents upload 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 2020-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CapitalOne is reporting inaccurate account information to my credit report. 

1. The High Balance differs between credit bureaus.

2. Date of Last Activity differs between credit bureaus.

3. Date Reported differs between credit bureaus.

4. Last Payment differs between credit bureaus.

5. Credit Limited is missing 6. Closed Date differs between credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
this is my second complaint two money orders are missing XXXX for {$220.00} and XXXX for {$250.00} they were never posted to my account but were cashed first one on XXXX and the second one on XXXX by shellpoint this makes exactly 7 of my money orders that are missing from my account and i am being penalized with {$10.00} for late fees XXXX XXXX XXXX  XXXX  XXXX mo # XXXX for XXXX and XXXX mo # XXXX for {$220.00} thanks XXXX l XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX, I received an offer from Bank of America regarding a cash bonus I would receive if I both closed a refinance mortgage with BofA and opened a new accounts ( s ) with their partner Merrill Lynch totaling {$450000.00}. and kept the account open for 9 months. I closed the mortgage with BofA on XX/XX/XXXX. On XX/XX/XXXX, during a phone call with Merrill Lynch employee XXXX XXXX, he confirmed that I would receive {$1200.00}. within several weeks of the 9 month period which would have been XXXX, XXXX. When Merrill Lynch negligently did not deposit {$1200.00}. into my account and XXXX XXXX would not return my phone calls or e-mails, I reached out to XXXX XXXX as she was my first contact at Merrill Lynch regarding the cash bonus. Ms. XXXX reached out to XXXX XXXX and finally, I received a phone call from him in XX/XX/XXXX in which he assured me that I would receive my cash bonus. That never happened. 
Not only have I not received the cash bonus as promised, I have also been harmed financially. In order to keep my new accounts with Merrill Lynch at an average balance of above {$450000.00}, I liquidated over {$120000.00}. from my high yield savings account at XXXX XXXX during the stock market correction in XXXX of XXXX and transferred the funds to Merrill Lynch. In doing so, I lost hundreds of dollars in interest that I would have earned had I kept my savings in 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 2020-11-09 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: CA

Complaint narrative:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all 3 credit bureaus, XXXX, XXXX and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: FL

Complaint narrative:
There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Our realtor, lender, and escrow team was ready to close the sell of our house. They got the clear to close and all contingencies were removed. 
XX/XX/2020 we were going to sign our mortgage papers to purchase our new house, knowing we had to sell our old house in order to make that purchase, but our team was told everything was fine. 
XX/XX/2020 we were told papers running late. As the days progressed, we were told there was a small problem they were fixing, then it became a bigger problem. The other lender and relator were not responding to my relator and lenders calls/emails, information was coming in piece by piece and kept changing. First it was a problem because they had applied for an FHA loan but they already had an FHA home. Then we learned they already owned property, then we were told they DON'T have an FHA loan. In the end, we still don't know what the real problem was. Our lender called the buyer directly to see if they could be approved for a loan and it was very clear to him these buyers should have NEVER started the process as they were NEVER going to be able to be approved for that loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: MA

Complaint narrative:
Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped 51-54 points because of XXXX. According to XXXX, and Transunion my credit score decreased 51 and 54 points respectively because XXXX  balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information to them. My card was stolen and XXXX denied me access to my account. I was not able to see unauthorized purchases or pay the bill.

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 2020-11-09 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: FL

Complaint narrative:
There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.

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 2020-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an account showing on mine and my husband 's report that is not correct. It's XXXX XXXX XXXX XXXX. We have disputed it with the bureaus and it still hasn't been resolved. They are showing the account charged off many years ago but has a balance of {$220.00} and a past due balance of {$1100.00} how in the world is that possible? There was no investigation otherwise this thing would be lined up.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.

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 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX and Venmo will not help me recover my money. They are great ways for scammers to steal from people XXXX will not do a thing about it, and Venmo will only flag the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: KY

Complaint narrative:
Citizens One Home Loans. Sold my house and the title company has been trying to get a payoff since XX/XX/XXXX. They asked me to try. I called XXXX and got automated message for a call back in two days. Called a different number and got a person who said they would fax it in 5-10 days. I need a payoff to close on my house this week. I explained the urgency and the constant attempts and the person just kept saying youll receive it in 5-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Attached hereto please find a pertinent portion of the furnished information by Chase to XXXX, which claims that Chase charged off this account 32 times! It means that Chase received 32 times tax creditfor charging off one account.

This is Internal Revenue Service Code violation and amounts to : perpetrating fraud on Internal Revenue Service underTitle 26 of United States Code 7206, Committing mail fraudunderTitle 18 of United States Code 1343, Violationof FCRA or in simple languageTitle 15 of United States Code section 1681, and California 's Consumer Credit Reporting Agencies ActCalifornia 's Civil Code 1785.25 ( a )! 
If Chase believesthat this account is legitimate, Chase can only discharge itONE TimenotTHIRTY TWO Times!

Since the impact is 32 times more severe on me than only one time, accordingly I am a tort-victim and Chase is tortfeasor, with respect to the civil action under 1785.25 ( a ) and 15U.S.C.1681. 
This matter has been brought to attention of CHASE on numerous occasions, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is not about the denial itself, but rather due to Synchrony 's refusal to provide a reason for the denial except via mail and making the problem worse by saying that the only way to submit a complaint about the practice is to mail a letter to their corporate office located in Florida. I submitted an application for credit via an offer from a local flooring company and was told by Synchrony that the application was denied, yet they refused to tell me why. Synchrony kept telling me that a letter would be mailed to explain the reason for denial. When I told them that other financial institutions like XXXX XXXX and XXXX XXXX at least tell you the reason why so you can quickly cure it ( if possible ), they just kept telling me sorry but a letter would be coming. 

This is honestly the first time this has ever happened where I have been denied credit and the institution has refused to say why. It could have been due to reasons like my credit not being properly unfrozen ( which is a separate issue where the three credit bureaus often do not properly flag accounts as unfrozen ), too many recent inquiries due to a property purchase, or insufficient income ( even though the application listed {$140000.00} and could have been cured by adding my spouse 's income as well ). I feel that a bank that makes billions in revenue refusing to even tell why an application was denied is disrespectful. 

In addition, I wanted to file a complaint to have the bank look into this and see whether the practices could be changed or whether protocols were being adhered to and was told that I had to mail a letter to XXXX XXXX XXXX in XXXX, Florida. I am not sure if even this is legal since it seems like an attempt to reduce the number of reportable complaints. 

Either way, Synchrony seems like a company that only cares about itself and the salaries of its CEO and Board of Directors rather than its customers or potential customers. I would like to reiterate that the supervisor I talked to was considerate and professional. My issue is not with any of the employees, but rather this corporation.

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 2020-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Shellpoint Mortgage Servicing has failed to properly credit my account with received payments. There are outstanding issues regarding the allocation of remaining Trustee payments and the monthly mortgage statement balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 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:
THESE ACCOUNTS LISTED DON'T BELONG TO ME AND NEED TO BE REMOVED FROM MY REPORTS.

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 2020-11-09 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: IL

Complaint narrative:
Dear Equifax, In the results of your Third investigation, you stated in writing that you verified that this item ( XX/XX/XXXX ) ( XX/XX/XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX ) is being reported correctly? with SEVERAL INCONSISTENCIES reported on this account how could you verify it? Who verified this account? This is not a request for VERIFICATION or proof of mailing address but a request for VALIDATION made pursuant to the above-named Title and Section. Now, I respectfully request that EQUIFAX provide me with competent evidence that I have any legal obligation to pay this debt OR DELETE THIS FRIVOLOUS ACCOUNT IMMEDIATELY 1. ) Please provide a valid basis for the debt, such as the original contract/agreement, the promissory note between Consumer and original creditor, bearing Consumer wet-ink signature ; 2. ) Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX XXXX, XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Good morning, I recently transferred {$1000.00} from PayPal to my XX/XX/XXXX XX/XX/XXXX account ending in XXXX from a recent sale on XX/XX/XXXX transaction ID XXXX and transaction ID XXXX with the deposit arriving to my XX/XX/XXXX XX/XX/XXXX account the next day on XX/XX/XXXX. Five days later on Wednesday XXXX, PayPal reversed the funds without any notice. I first messaged XXXX XXXX  and they stated that the reversal was on Paypal 's end, so they are unable to do anything and recommended contacting Paypal. When I contacted Paypal multiple times from XXXX, they stated that the transfer was initial transfer was complete and that they have no record of the {$1000.00} reversal on their end. The {$1000.00} balance is also not reflected in my PayPal account. I am at a deficit of {$1000.00} due to PayPal 's mistake ; essentially, {$1000.00} was stolen from my bank account from them without any notice.

Company response to consumer: Closed with monetary relief