vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
applied for XXXX  XXXX  credit card at the register in XXXX  XXXX  store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called Sagestream LLC 5times, left 5 messages and call was never returned.  Called XXXX  XXXX  who verified credit was pulled but had no idea why I was denied as I have a XXXX  account currently active with them.  Couldn't explain anything about Sagestream, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me XXXX  XXXX  has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with Sagestream rep;orting me as deceased and XXXX XXXX telling me letter is a scam when I received it in response to their bank denying me credit for XXXX  XXXX  card. ( FYI  since I checked my credit reports I see the XXXX   XXXX/XXXX  XXXX inquiry has been removed).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Repeated calls by CREDIT ACCEPTANCE CORP. 5+ daily even when given times and dates that are unacceptable to call durring Cold call, provide no verification they are CREDIT ACCEPTANCE CORP when asking for personally identifiable information. 

when asking for verification of debt, I'm asked if I would like my number removed from their system instead of complying with request. 

Trick/Ask without prompting or guidance if the consumer would like their number removed from their system to initiate a legal process which typically starts once a consumer asks to not be contacted. 

will cold call, lie about payment dates and arrangements made then hang up once given dates and times of said agreements. 

Does not record all phone calls, Blocks recordings from being accessed by employees to verify agreements made or cancelled. 

Deletes/wont acknowledge phone calls with given dates to verifiy agreements. Says they dont exist and then hang up. 

Calls roughly every 40 minutes from different numbers all marked by XXXX XXXX as high risk / spam calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking with Regions Bank over 10 years and lately I have noticed they are charging NSF fees for the payments coming in although the funds come in the same date. They refuse to refund the charges which sums up over $1500. Because of the untimely overdrafts the balance keeps diminishing to cause more overdrafts. I did asked the bank to stop overpaying too avoid the charges but I am still being charged since XX/XX/2019

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 2019-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
applied for Old Navy credit card at the register in Old Navy store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called XXXX  XXXX  5times, left 5 messages and call was never returned.  Called synchrony bank who verified credit was pulled but had no idea why I was denied as I have a Carecredit account currently active with them.  Couldn't explain anything about XXXX, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me Synchrony Bank has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with XXXX  rep;orting me as deceased and Synchrony Bank telling me letter is a scam when I received it in response to their bank denying me credit for Old Navy card. ( FYI  since I checked my credit reports I see the Old Navy/Synchrony Bank inquiry has been removed).

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 2019-12-20 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
06 XXXXOriginal creditor: 06 XXXX  201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-santander XXXX  reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CNG HOLDINGS INC
State: AR

Complaint narrative:
Transaction ID # XXXX, XXXX, on my XXXX Debit Card with 2 other transactions from XXXX and XXXX all taking money from my Account beyond what was agreed upon in the lease of a stove, in fact Why Not Lease It has overcharged me over {$1100.00} beyond the {$670.00} payoff price agreed upon in the lease contract. They refuse to give me a refund or cancel the auto- payment transaction on my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
Repeated phone calls from XXXX XXXX to XX/XX/2019. The calls occur twice a day at XXXX and in the afternoon between XXXX. The phone calls come in on different numbers with the same area code that my cell is registered in ( XXXX ). The calls always leave a recorded message claiming " This is HRRG calling. Please return our call XXXX. HRRG is a debt collector and any information obtained will be used during that call. '' I have checked my medical bills and have no outstanding debt. I have blocked several numbers that were used for these calls. The most recent calls came through on numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I've registered my phone number on the national " do not call list '' on XX/XX/2019 and have received phone calls from HRRG since that time.

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 2019-12-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/2019, I XXXX XXXX XXXX, Home Owner, spoke with XXXX XXXX, Loan Officer (  NMLS # XXXX ) with PennyMac about refinancing my home. Mr. XXXX started my loan application over the phone. During our phone conversation, I informed Mr. XXXX that I was a U.S. Veteran and would like to refinance with a zero down payment. I also requested that the monies in the Escrow account be forwarded/mailed to me at closing. This was discussed and clearly understood by both parties three times during our conversation. It was also annotated in the  Settlement Statement. 

Once Mr. XXXX obtained all my information, he forwarded me to his XXXX XXXX. Team to follow through with the refinance process. I received an email from the XXXX XXXX. Team on XX/XX/2019, informing me that the refinance had been approved. On XX/XX/2019, I received an email informing me that my closing was scheduled for XX/XX/2019, at XXXX XXXX   CST. The time was rescheduled for XXXX. XXXX 's Mortgage payment was made to XXXX on XX/XX/2019, in the amount of {$2100.00}. I was further informed that I would need to bring {$530.00} to closing which is questioned because I believed through my conversation with Mr. XXXX, I would not need any money at closing. I informed Mr. XXXX of this issue and he said he would take care of it. However, when the representative arrived at my home, I still needed the closing cost. Mr. XXXX had not done what he said. I decided to comply and not hold up the refinance. 

The documents presented to me at closing appeared to be correct so I signed them. The representative and I ensured that everything I was requesting was on the Settlement Statement. Per that statement, I was due to receive {$7500.00} from Escrow which I have not received to this date. I did receive a check for {$2100.00} which was XXXX 's mortgage payment due to the loan being closed. 

To this date, All attempts to reach Mr. XXXX concerning the Escrow balance has failed. I have made at least eight ( 8 ) attempts since closing. I have been forwarded to many different people the last being XXXX XXXX on XX/XX/2019. I was informed that Mr. XXXX was Mr. XXXX 's XXXX. Mr. XXXX informed me that the Escrow amount was applied to the loan. I informed him that I did not request that and it was never apart of my conversation with Mr. XXXX. I informed him that I would like to have that money sent to me. Instead of granting my request, Mr. XXXX asked If I would like to revert back to the original loan prior to the refinance. I answered yes. 

Thank you for considering my request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My name is XXXX  XXXX  and I live at XXXX  XXXX  XXXX, XXXX, MD, XXXX.  My Chase mortgage account number is XXXX.  Today I received notice of a “new” escrow analysis regarding property tax and/or insurance changes displayed on my online Chase account stating the following,“Beginning XX/XX/XXXX, your payment will change due to escrow adjustments as shown in the table below”.  The noted payment change is an increase of $XXXX”This complaint then is to notify CFPB and Chase that I find Chase payment charge of $XXXX  not only unacceptable, but also in error.  Furthermore on my online Chase account my current property tax as $XXXX, yet for XX/XX/XXXX Chase shows an increase to $XXXX, which makes “no sense at all”.My SDAT Assessment as of XX/XX/XXXX was $XXXX.  My SDAT Assessment as of XX/XX/XXXX is also $XXXX.  So zero change - zero increase.  Furthermore Chase has been notified that over the last two years my Escrow account has had “two” major deductions.  One in XXXX  was a major drop in property tax assessment and second was a major drop in home owner insurance in XXXX.  Combined my Chase mortgage account should have seen more of a reduction in monthly/annual mortgage cost, versus now showing a $XXXX   increase.Please review this matter immediately since my property taxes and insurance costs have not increased from last “fiscal year”, but actually “dropped”.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo has improperly handled my escrow refund in an improper application of my payments. I have sold a property, and the amount of the refund check should have been $XXXX. Instead they sent me $XXXX. Wells Fargo removed $XXXX  from my escrow account on XX/XX/XXXX saying it was for tax payment, but then they did not send electronic payment to the tax authority until XX/XX/XXXX. By that time, the property had been sold (on XX/XX/XXXX), Wells Fargo had been paid in full for the mortgage, and the taxes had already been paid out of sales proceeds by the closing attorney as is required by law. So, when the XXXX  County tax office received the duplicate tax payment from Wells Fargo, they immediately processed a full refund to Wells Fargo which was sent to them within two weeks (please see attached documentation for address to which this refund was sent.) That refund was now sent to Wells Fargo more than 5 weeks ago, and I have talked to them multiple times about this, but they are claiming they "can't find it." Even if Wells Fargo lost these funds through their own negligence, they still owe me $XXXX  because it is not my fault that they have a systematic poor business practice regarding escrow accounts (a closing attorney has told me she has seen this happen multiple times with Wells Fargo, but that it doesn't happen with other banks.) I have made a good faith effort to resolve them with them, including speaking with at least 7 different Wells Fargo representatives in addition to calling the County of XXXX  Office of the Tax Administration twice. I have also sent written complaints to Wells Fargo two times, once through their online system, and a second time via a letter (attached). Receipt of the letter was acknowledge by the representative in a phone call they made to me on XX/XX/2019, but they still have not assured me that they will refund me the money that they owed me upon the closing of my mortgage account with them. Some documentation is attached to this complaint. I have more documentation if you need it (more phone notes, more statements, etc), so please feel welcome to contact me. Thank you for your consideration.

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 2019-12-20 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been getting 10 to over 20 phone calls a day to two of my phones. Many are from the Discover 800 number, but several come from another number not listed as Discover. I can almost set my watch to the times this company calls me. I have tried to inform them that this was illegal, but they said that they have every right to do this until my debt is paid or a settlement is reached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: NY

Complaint narrative:
I'm XX/XX/19 I received an alert from on XXXX from Midwest recovery System bringing my score down 30 points. This company I never heard of not never received a notice saying that I owe them. I check and monitor my credit report on a daily basis. This report was sent on XXXX. This is not my debt I do not know who these people are. I will contact an attorney regarding this and how they handled this illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I travel to XXXX Florida on a weekly basis. When Im there I stay at my parents home and purchase a {$50.00} gift for each night that I stay. My mother tried to use the gift cards and they were denied. The company website to check the balance is down and so is their telephone. We have 9 {$50.00} gift cards that do not work. The company is Vanilla gift cards through Visa. There are numerous complaints about the same thing happening to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/19, USAA Bank called my husband, and after he clearly identified himself, they disclosed false private banking information with him.  Specifically they told him that my account was past due (there was no amount past due, the account was over the limit, but no amount was due), and attempted to get him to pay the "past due" amount on my behalf.  My husband is not a co-signer on this account and I have not authorized him to have any access to this account.  I've requested a written response as to why USAA violated my private banking information and why they shared that information with a non-authorized party, and more specifically why the representative made a false representation to obtain a payment.  USAA has refused to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: Best Loan Service, LLC.
State: OK

Complaint narrative:
After submitting bad review over the customer service I received there was an open line of credit added to my account and then one of the employees attacked me under my review online .

Company response to consumer: Untimely response
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I contacted the company on XX/XX/2019 about an issue with my credit card. I asked for them to explain the issue. I received a response the same day letting me know someone would be calling me. On XX/XX/2019 I informed the company that I wanted the issue responded to via writing and not a phone call so there was record of it. At that time I told them if they did not want to record the phone call and provide me with a copy of it, write me a letter in the mail, or send me an email that I would not be taking a call from them. This is for my protection of my account and my credit to prevent the company from providing false information and not being held accountable. I received the same EXACT on XX/XX/2019 saying that someone would be calling me. I informed the company I would be filing complaints to have the issued handled that way and ensure there is a written response.The issue is that the promotions offered by this card are for double points on XXXX XXXX orders from an XXXX  team. The two teams that I have purchased tickets from (XXXX XXXX and XXXX XXXX) redirect customers from their site to XXXX  to purchase tickets. Barclays is not recognizing these transactions as promotion transactions. I believe that all teams likely use this redirection to XXXX to purchase tickets. That would mean that no ticket purchases would qualify for the promotion that Barclays is advertising and it would make this promotion misleading to customers.

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