vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
look i already know you will say you have helped me with the XXXX charge from rental car but i have not and for the fact i have not i will not be using my accounts any time soon any of them. i am tired of the one size fits all. bottom line after all these years if you cant refund XXXX bucks for thr ental car when it was filthy and i did call merchant and i will be contacting ceo then i cant use my accounts and will be using others. loyalty for loyalty and there is none here.the rental car charge i am upset oever. In addition my card ending XXXX i just charged a big charge on XXXX XXXX since that is when my statement closes. now i am being told it will close XXXX and that charge will likely be on it. i was not informed of this change and as such i will ask for any and all interest chargtes at the office of ceo. i was never informed and had i been based on my overall usage i would not have used that card for that amount on XXXX XXXX as i never do. please no scripts. between the 2 issues i am done with the bank for now. that said do not close my accounts just feedback for now. no loyalty then i cant give it. if you send a letter saying a cycle has changed you need to confirm the person gets it i did not and did not know and thus my activity. i am livid. 
rental car if i am not worth XXXX bucks to you to help me since i was wronged than i must take this into account when i choose cards to use. CAR was filthy and did not start many times i contacted merchant i cant chase anymore i can choose who i use though and never alamo again. HELP real help not scripts or telling me you already addressed this. i am so tired of the run around. no more loyalty here.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Select Portfolio Servicing erroneously processed a mortgage payment twice, which caused my checking account to be overdrawn. I called in to have it rectified. They told me to contact my bank. I called my bank and disputed the charge. The bank refunded my funds to my account and waived overdraft fee. Two weeks later. Select Portfolio put the charge through again, causing me to be overdrawn again. I contacted Select Portfolio to find out what happened. I was initially told. For return checks they automatically put it through twice. I responded, there was no additional payment posted to my account. How could this be ( my bank paid you. ) After speaking to a supervisor I was told the actual reason they submitted another payment request ( in the form of an electronic payment, though I DID NOT AUTHORIZE ONE ) was to offset a check they were going to send me. I explained the problem was previously rectified and there was no need to send a check. I was told it was already processed and once their corporate office sends them the check, they would mail it to me. 
Basically they illegally obtained funds from my checking account by submitting an unauthorized electronic payment request to cover their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
Amrerassist is aware of the fraud alert on my account and the loss I have experienced. They have failed to provide the debt validation requested via XXXX and XXXX  yet continue to report an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Under the user agreement of pay pal, I must be XXXX  years of age. after verifying my identity, using my permit, pay pal applied a limitation on my account due to being XXXX. the limitation was for 180 days and provoked me of transferring my XXXX $ to my bank account. After 180 days of the limitation on my account had started, which was promised to send an email to send me an email about resolving the limitation, I called customer service because I didn't receive an email in around 200 days. When I called Pay Pal, I received a document verification and needed to submit my identity documents for verification i was XXXX. I was XXXX and my drivers license provide that information. But Pay Pal applied another limitation as they wrongly evaluated I was not XXXX. I had been XXXX for about 2 months. So, I called again for another document request for my limitation after wrongfully being evaluated as XXXX. Finally after waiting another 180 days since my second limitation. I received a email describing how to resolve a limitation. However, as I tried to provide my information, my submission of my photo ID is still under review from 175 days ago.. After 175 days for my documents to be evaluated, I don't receive an update on resolving my limitation by proving I'm XXXX thus removing my limitation, thus giving my XXXX $ back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I opened an account online with a promo code XXXX. The account was closed per their fraud department within two days due to verification ( I was not able to get into a branch to verify my identity due to no appointments were available until Saturday ). At that point the branch employee opened a new account and attached the promo code and told me I would still get the {$100.00} promo as long as I made the deposits within the timeframe ( I made the amounts required ). The banker actually advised that the amounts did not have to be {$250.00} exactly, but as long as they added up to the {$250.00} during the month, I would still qualify. I did not fully believe her so I made sure to have the {$250.00} or more direct deposited ( I found out during a call center conversation, I was correct ). This is a UDAAP and Sales Practice issue, your bankers are providing incorrect information just to open an account and receive incentive. Very misleading. I would like the {$100.00} promo that was promised to 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 monetary relief
Consumer complaint received 2020-12-07 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: FL

Complaint narrative:
Please see the attached letter to Mr. XXXX XXXX, Chairman and CEO, JP Morgan Chase detailing Chase Bank 's failure to perform its fiduciary responsibilities in protecting the funds of XXXX XXXX, a XXXX year old vulnerable adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This account started with XXXX XXXX XXXX XXXX  ..This company that handles im assuming that XXXX XXXX gives there bills over to ... Didn't inform me of what this was until it showed on my credit and being after the fact was bullied into pay or it will cause more negative impact to my life and my credit report and score .They also use another company associated in florida thats damaged my credibility with my credit report ... This has been addressed if both company would have just done some basic investigation into this ... Would have found that I was the renter of said car..But I gave no other person Authorization to drive this rental while I was 3000 miles away whenever this car was damaged and the person Whom was driving was in the car and was in the police report and no relationship to me gave wrong information to police when asked ... So now this company after XX/XX/2018 decided to whom can we bullie to pay up..? .. well since there's no bullying going to happen or threatening manner to me they decided to after 2 years report it to my credit report?? No this will not be put on my report years later or in the near future ... ..Its been disappointing that it needs to come to this ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I mailed Portfolio Recovery a certified letter in XXXX asking them to verify the debt they stated is owed. They sent letter stating the have the file electronic. I sent another letter asking them to verify the debt in XXXX and I have gotten no response. However they are still reporting the unverified debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: OR

Complaint narrative:
I was using the online bankiing today and saved my online statements and the american express system blocked my card and they are asking to call a phone number again I signed up for a online banking account, not a mobile or phone banking account I'm travelling for business and I do not use the phone, instead a I use the internet banking I can confirm my identity by sending a copy of my document id, a passport they block accounts randomly without a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: DE

Complaint narrative:
Applied for a mortgage refinance with Loan Depot in XXXX. The application process was tedious but, normal enough. Closing on the mortgage has been an extreme challenge, some attributable to the pandemic. We were initially supposed to close in late XXXX. Due to delays on the Loan Depot end it has been pushed out or rescheduled 5 or 6 times. We finally signed the closing paperwork virtually on XX/XX/XXXX. Loan Depot should have paid off current mortgage holder on Friday XX/XX/XXXX ( due to XXXX XXXX. In the week since that has happened, and again after we have signed the closing documents, Loan Depot has requested more signatures and acknowledgments and new pay stubs but, still as of today XXXX has yet to pay off my current mortgage. I have had to now pay my XXXX and XXXX mortgages to the existing lender and of course Loan Depot will expect their first payment still on XX/XX/XXXX. This process has been nightmarish to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I contacted Synchrony Bank on XX/XX/2020 and asked why they closed my XXXX XXXX account and the agent told me XXXX  closed it and a letter was sent. The conversation was picked up on our security camera. I called XXXX  on XX/XX/2020 and they didn't closed this account and legally can't. XXXX  filed a dispute due to no reason why the account was closed. Looking on XXXX they're doing this to thousands of people during a pandemic. I've had excellent standings with this bank and my score from XXXX  has gone up but this will now effect my credit. This bank needs to be investigated. A copy of this report will also go to the current dispute open with 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 2020-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TMX Finance LLC
State: NC

Complaint narrative:
THE ATTACHED LETTER TO TITLE MAX IS FULLY DESCRIPTIVE OF THE COMPLETE ISSUES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I sold and paid off my mortgage loan and have not ( after almost 90 days ) received the return on my unused escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 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: MI

Complaint narrative:
I previously filed a complaint with TransUnion that XXXX & XXXX are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, TransUnion claimed I disputed the XXXX XXXX & XXXX 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves TransUnion NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided TransUnion with documents directly from the IRS confirming both XXXX and XXXX filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to TransUnion, XXXX or XXXX. Both XXXX and XXXX lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, XXXX had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance XXXX was reporting and continually verifying as accurate, by their own omission was NOT accurate.

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 2020-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
According to BMWF rep spoken with today, XXXX, I am unable to make ACH payments using my checking account due to an error with last ACH payment attempted, I do not have amount available to me at this time. The payment was scheduled via BMWUSA.COM, the correct routing and account number entered, the rep claims the bank did not recognize the account info even when it was entered correctly. I suspect BMWF placed the block prior as it was on the account before, a rep whom arranged a promise to pay removed the block so I could make ACH payment. I believe the system then replaced the block, unknown to me, which caused the payment to reject. Again, correct routing and account number was entered at time of payment. Due to payment reject, the account is now over thirty days past due, may have been reported to credit bureaus as such.. I request BMWF adjust this 30 day mark due to block they placed prior and is still on account currently. Also, I request block removed as the payment does not count as a returned payment, I have been making payments which have been clearing from same checking account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunset Management, Inc
State: SC

Complaint narrative:
My name is XXXX XXXX. Sunset finance company sent me a live check in XXXX they called me and demanded me to come in when I told them I was gon na be late on my payment I sent them a ceased and desist and they continued to call me multiple times to see when I was going to pay just recently they called me again and said they were sorry I understand That people make mistakes but they have called me numerous times on my account after I sent a cease and desist I called today in spoke with XXXX let her know Of the issue she told me that there's nothing she could have done and that they were all accidents and told me if I wasn't going to set up my remaining payment of {$79.00} that she was going to submit to my credit report and continue to call even after I told her I have a Ceased and desist I would like my account paid in full XXXX balance in this removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
We applied for a pre-approval letter through Citizens one online in XX/XX/XXXX. We were pre-approved for {$250000.00} and we proceeded to look for homes. We signed for a home in XX/XX/XXXX. We sent everything to the bank when they asked for it. They proceeded to ask for the same thing multiple times such as signatures and pay stubs. We sent everything by email. I do still have the emails showing things being sent back. We would go weeks without anyone returning our calls and emails. On the last day that things needed to be processed we got a call stating that we would need to refinance our car this was XX/XX/XXXX. We were originally supposed to close on XX/XX/XXXX. The sellers were willing to work with us and we did refinance. The bank sent over a commitment letter to close on XX/XX/XXXX. We continued to have to send over paperwork 3-4 more times because no one could find it. We would also go unanswered with emails, phone messages and text messages. Our realtor and the the listing realtor would also go unanswered. I was told that everything was with the processor and she was looking over our information on XX/XX/XXXX. The processor did not return calls or emails. The processor then waited until XX/XX/XXXX to reach out to say that she could open the attachments on the email I sent the prior week. The processor lied and stated she had just got my file. I have a letter form the same processor dated for XX/XX/XXXX. Also, if she she was going through my file on XX/XX/XXXX she would have known that the attachments did not work. On XX/XX/XXXX the sellers terminated the contract. The bank did not follow through with anything they needed to do to close on time for the home. I have the unanswered emails and text messages to the officers involved. I can also pull my cal logs for the unanswered phone call messages. We would like the bank to reimburse {$580.00} for the home appraisal. We lost the home due to the bank not following through on their end and not sending over the information needed to close on the home. The bank did not keep an appropriate time frame for either closing. I have tried twice to file a complaint with the bank and no one followed through me with time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Acct Name : CAPITAL ONE Acct Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have called the medical data systems inc XXXX XXXX XXXX XXXX fl XXXX ( XXXX ) XXXX I advise the rep Ms. XXXX, I did not receive any letter statement the first time they claimed to have sent it and that I will be in need of another form showing the details of the account. 
The representative in charge of the account refused to send out any form of verification. Her and her supervisor advised that they do not send any forms out. They only have my name and debt amount and ready to take payment. 
I told them I need this form to provide to my accountant so that he has it in paper of where and who these payment will be made to. 
They REFUSED and begin yelling saying that they will ONLY provide me the letter and more information AFTER I have made a payment. I'm not sure why the supervisor of a company felt it is neccessary to blackmail me over a statement request. They said the only way I will be able to get the letter of verification is if I made a payment on their account today XX/XX/XXXX, XXXX and hung up after I told them I can not make a payment without the form.

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 2020-12-07 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, American Express ( AMEX ) report to the 3 credit bureaus that one of my Amex Blue accounts past due every month that I was under Chapter XXXX Bankruptcy to include payments paid on time when the Trustee made disbursement. My bankruptcy was paid in full on XX/XX/XXXX and discharged on XX/XX/XXXX, I called AMEX XXXX XXXX ) on XX/XX/XXXX at XXXX XXXX  EST to dispute the credit reporting. I also file a dispute with XXXX  and XXXX. Both XXXX  and XXXX  responded by mail stating that AMEX was correct. I called AMEX on XX/XX/XXXX at XXXX XXXX  ( 52 min ) to speak to a supervisor. The supervisor said the account was not reported to the credit bureaus but he was looking at the Platnimum which to was paid by the Trustee. The supervisor located the AMEX Blue and saw what it was disputing and said it would be correct in a few days. He marked the account closed on XX/XX/XXXX. Both AMEX accounts were closed XX/XX/XXXX by the Bankruptcy Chapter XXXX. To this day, AMEX has not correct the issue or contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07 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: Synovus Bank
State: MO

Complaint narrative:
I tried to pay this account before my due date, but the payment portal they were using got shut down. Then they shut my card off. Then I called them to make the payment and I had to go through all sorts of crazy steps to pay my bill. They called me back, told me I was late, told me to pay my bill early, and assessed a late fee. This was ridiculous, I want my late fee back

Company response to consumer: Closed with explanation