vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Hello. Paypal sold my information to Synchrony Bank. In XX/XX/2019, Synchrony Bank opened a credit line in my name. This is CREDIT FRAUD. The Account # XXXX The amount was for XXXX USD and then this loan defaulted on XX/XX/2019 at XXXX USD. I have contacted Synchrony and spoke with XXXX who tried repeatedly to get me to give him my social security number. I did not. He told me there was no record of my name opening an account in XXXX with Synchrony and that there was nothing he could do. He informed me that they had access to my data because it was sold to them by Payal. I contacted Paypal who confirmed this -- told me they understood it was a fraud and they had no responsibility. ( I screen shot all of that conversation and will attach it here ). I have contacted XXXX, XXXX  and XXXX and requested this credit fraud be cleared from my record. I have placed a lock on my credit record with XXXX ( paying XXXX dollars a month for this service ). What Synchrony has done is outrageous and if you can hold them accountable I would be very grateful. Thank you, 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 non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TX

Complaint narrative:
XXXX XXXX, XXXX bought our mortgage from XXXX in XX/XX/2019. It was not made clear that my loan number also changed because they already had a customer with the loan number I had for years. XXXX manually transferred to my account through XX/XX/2019, and then just let it go into their previous member 's account. It was eventually corrected after two weeks of phone calls, attachments, and then a smart person there realizing what had happened. She said new people in customer service would be told about this problem in case there were others. No mention was made of why their accounting was not trained to notify me by email to change my loan number, or just keep correcting. However, it was resolved and the credit reporting agencies were informed. 

Transunion first said they agreed with the mortgage company when I disputed, and then when I questioned if I was reading their answer right, they said I had complained about the balance and that was correct. I informed them I complained about them saying I had late payments, which did make the balance wrong, and they told me to dispute again just for the late payments. 

On XX/XX/XXXX Transunion showed my score as XXXX according to XXXX XXXX. It dropped to XXXX on XX/XX/XXXX, and went down 161 points to XXXX on XX/XX/XXXX based on XXXX XXXX incorrect information. It is now only XXXX even though they now show the correct info that I have had no late payments, and have refinanced with another company so have paid XXXX off.

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 2020-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Please be advised that my dad XXXX XXXX XXXX ( XXXX ) passed away XX/XX/2019. My dad had a Living Trust Account with Chase Bank. On XX/XX/2019 the Living Trust was amended by XXXX XXXX ( notary ). Mr. XXXX submitted these fraudulent documents to an employee in the legal department at Chase Bank. I was able to review these fraudulent documents recently.The Fraudulent document amendmented XX/XX/2019 made my sister XXXX XXXX XXXX Trustee and removing XXXX XXXX XXXX as beneficiary on the House Living Trust. 
Mr. XXXX ( notary ) does not have the legal capacity to amend Living Trust documents. Mr. XXXX notarized these fraudulent documents when his notary license was expired. 
My dad XXXX XXXX XXXX did not walk those documents into the Chase Bank nor did he speak with a branch manager there. 
The signature on the fraudulent amended Living Trust dated XX/XX/19 is not of my dad, XXXX XXXX. 
Please be advised that I have made many attempts to resolve this issue with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Secure Lending Incorporated
State: OH

Complaint narrative:
In XXXX, 2019 we applied for a mortgage loan with Secure Lending Services located in XXXX XXXX in XXXX Ohio. We submitted all documents. Few weeks later we start receiving letters of being " approved ''. Time goes by and closing date is not given to us.They start asking again and again for the same documents. One excuse after the other. Finally they ask for down payment which we wired to title agency. Another 2 months go by. More documents asked for. They pulled my credit 7 times without my authorization for the last 6.  They called saying they needed money so they can pull my credit again, that's where i draw the line and say NO. Appraisal done, documents submitted, down payment wired, and still no closing date. I decide to drop the deal and I call them and let them know. Then i start receiving texts and emails from them saying how they just need one last thing and that we should be able to close the deal. I had nothing else to tell them so I don't reply to messages. I had 2 brokers work on this matter and they where very irresponsible and unprofessional. I have a ton of documents, texts and emails to prove all of this which i could submit. They kept blaming FHA for the deal not closing. While I am filing this complaint i just open a letter from my mail and it is from them stating that they denied my loan for being incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: ID

Complaint narrative:
Good Afternoon, My mortgage was sold from XXXX to M & T Bank ( against my will ). 

I understand that XXXX has the right to sell my mortgage to other companies, but I thought the new company was supposed to offer the same ( or similar ) servicing options. 

M & T Bank has had multiple technical issues with their website almost immediately after the transfer. During the Covid-19 crisis, it's not allowing for payment forbearance or deferment. They do allow you to fill out a 5-page form requesting assistance ( which may or may not be given ). 

Meanwhile, XXXX allows you to simply click on your financial account ( or mortgage ) and skip 3 monthly payments without impacting your credit or assigning late fees. 

I believe this is against the current regulations regarding the sale of mortgages to other institutions ( or at least the spirit of the law ). 

We didn't want our mortgage sold, and now it's been sold to an institution that is offering fewer services and options. This situation is magnified even more during a crisis where we all are struggling to stay healthy and acquire food. I believe this action is not only illegal, but at the very least uncompassionate and un-American. 

Thanks for your time, 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 non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
My daughter was injured on XX/XX/XXXX and transferred from one hospital to another by ambulance. ALL of the bills were paid using my Medical FSA in the year the accident occurred. XXXX XXXX  after the accident in XXXX of XXXX I received a bill for {$2100.00} from XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX. I immediately requested an itemized bill and indicated that the request was for a service that occurred XXXX XXXX XXXX  and i was under a different insurance and worked for a different employer and had I been presented that bill in a timely manner I could hav used my FSA   at the time. I NEVER received another bill from XXXX. IT went to United COllections who sent a bill for the {$2100.00}. I disputed that bill with a written letter stating exactly what I stated above, that I asked and never received an itemized statement, that the initial charges came XXXX XXXX XXXX after the accident and that Im now under different insurance and could NOT use my current FSA to pay that XXXX year old bill. They NEVER sent a second request for payment, instead United COllections turned my debt over to the credit bureaus and it went on my SPOTLESS credit report. 22 years of maintaining SPOTLESS credit was ruined by XXXX  XXXX XXXX and United Collections neither of which sent me any communication in a timely manner and never responded to my written disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was used for a unauthorized transaction in the amount if XXXX. I did not give my pin number to anyone and I didn't make these transactions. I spoke with the CEO who told me to provide my police report to help reverse the decision to not refund my money. Since the Corona Virus has stopped all buisness and I have been just out of my money. Wells Fargo has no insurance coverage for their customers and I cant afford to lose that amount of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CA

Complaint narrative:
I opened a new account with Capital One on XX/XX/2020 and received an email that the card had shipped on XX/XX/2020. I have not received the credit card as of XX/XX/2020. My online banking account claims it was shipped on XX/XX/2020. When I called previously, they said it should take 7-10 business days from the shipping date which is long past. Though now when I call the automated service claims that no card is on file having been shipped. It is all very confusing. When I call Capital One to speak with a representative there is no one available to talk to and my call is dropped. They advise I use the online portal, which advises me to call a line which has dropped my call 5-7 times. I have been calling since Monday, XX/XX/2020. I am monitoring the account closely as I do not know if my mail was stolen. As of right now, Capital One does not have adequate staffing to deal with the Corona Virus Crisis. Additionally, I XXXX  at Capital One yesterday. 

The XXXX  is at this URL : https : XXXXXXXX XXXXXXXX As of Friday, XX/XX/2020, I have no received any response from them. This is unacceptable during a national crisis. Many are unemployed and customer service over the phone is a remote work job. I do not know when they are not able to keep their responsibilities to their customers during a national crisis. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
I have a mortgage through Rushmore Financial Services. I  called to ask about government help for Covid-19 affected families. I was told that there was a forbearance offered but that I would first have to pay my current mortgage payment. The gal also let me know that I would likely lose my house at the end of the forbearance anyways. She offered no other solution. I paid my mortgage but that leaves me extremely tight. I am just trying not to leave myself in a financial peril during this time. I feel like this company is attempting to manipulate the rules of these programs to take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this 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 non-monetary relief
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was made aware of some inquiries on my credit report that do not belong to me today XX/XX/20. The way I found out about these inquiries was because I applied for a credit card and I was not approved because of these inquiries. I did not allow any of those companies to run or access my credit nor did I allow anyone to make these credit inquiries in my name. I did not benefit anything from these inquiries that were made in my name without my permission and I have already filed a police report and I contacted all of the creditors listed on this 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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This bank has cause me emotional pain during this most difficult time that everyone is experience. We are in a difficult time that everyone is using their debt card. A lot of businesses are dishonest and if I order a product and never receive my product the bank give us the right to dispute, After I did so Wells Fargo want to punish me. I have bank with them for over 8 years and the moment I have money in my account them want to punish me. If I dispute a merchandise and receive the mechanize I will call wells Fargo to inform them that the product was received and they will closed the case ( It never mentioned as if I called but a represent will put close on there, but I will call and closed the case, on so many occasions. I believe because I informed they about a mechanize I never receive they decided to punish me. I need to use my debit account, who can stay without their debt card for 12 months, Everything we buy is by using our debt card. During the worst economy time in America,  they have cancel all my debt card. I am so upset and need to contact the consumer protection who can protect customer because these banks are run my frauds who only care about their money and not the customers. I can't go into your bank and touch any money during this coronavirus. You want to give me conronavirus with getting money from the 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 explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
XX/XX/XXXX Hazard Insurance was paid to XXXX {$860.00} that was not even due yet until XXXX. I told CitizensOne Bank which is a branch of Citizens Bank that they wrongly paid XXXX. They told me it would get fixed. No refund yet then On XX/XX/XXXX They paid Hazard Insurance again {$750.00}. Then I get a letter stating that I owed them back for some kind of repay on escrow advance plus my mortgage would go up {$100.00} if I did not pay roughly {$1200.00}. to fix it. I called and complained. Come to find out they payed someone else account at XXXX. I would have had to wait until my insurance company to return the money before they credit {$860.00} back into escrow. I went ahead and pulled out of my savings to correct the mistakes they made. XXXX XXXX, XXXX CitizensOne paid hazard again to XXXX {$690.00} they paid someone else account again. I called and made another complaint as to why they keep paying XXXX. I called XXXX and they said they had no such payment. I kept calling Citizens to fix it and got on a conference call. XXXX recorded conversation and Citizens said that it was their mistake and that the payment would be canceled. XXXX XXXX, XXXX CitizensOne paid XXXX Hazard Insurance again {$750.00}. XXXX said they can not give money back because it i not in my account to give back. Every time i make my Monthly payment my escrow stays {$0.00}. It goes to a repay of escrow advance. Now I got back {$750.00} but they still have not given me back {$690.00} and if any fees for some kind of repay in advance there is none given back either. This whole account needs to be looked at because there is no telling where else they hurt me. I am afraid of any foreclosure due to no money in escrow. I should have plenty by now. I have given them a lot of time to fix and yet still no fix. The one that was suppose to look into this is XXXX XXXX office chairman at CitiznesOne. Clearly I have been done wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CO

Complaint narrative:
So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Having used the Amex BlueBird card for many months to receive my monthly direct deposit Social Security payment, I received an email from them on XX/XX/2020, notifying me that the account was closed and locked because I had violated section 22-d of the User Agreement. 

I am now unable to access my account by Iphone app or direct website login. 
I called the number listed in their notification email. After waiting 26 minutes I spoke with a female rep with a very thick XXXX accent who was very difficult to understand. 
After providing all of my identifying information she read a script saying account lock and close was a " business decision '' by Amex based on section 22d of the users agreement and that I will be mailed a refund check in 7-10 business days. 
She said she was in the fraud division and that there is no confirmation number or email available to confirm our conversation. 
I called the main customer service number listed on the card. After waiting, a robot answered stating my account is locked Goodbye and ended my call.

Company response to consumer: Closed with non-monetary relief