vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
When I was a XXXX XXXX year old, I opened a XXXX XXXX XXXX credit card mid to late 2015 ( oldest recovered statement XX/XX/15 ) : my first ever credit card and I failed like most young adults. I initially made reasonable charges and paid my debt on time, working at XXXX as an Associate Stylist. But after taking on more liabilities than I could handle, I leaned on my credit card irresponsibly. Sadly I ended up losing my job, my debt compounded interest & fees and I was stuck owing {$2900.00}. Honestly, this amount of debt overwhelmed me, I wasn't able to pay my debt with {$0.00} income, and I didn't know what to do. So out of pure adolescent ignorance, I became paralyzed with fear and I let it sit ; as my debt was then overtaken by Midland Funding. One day their representation pulled up in a SUV in front of my house and served me a subpoena to appear in court. If their intention was to frighten me, it worked! So I showed up to court as asked, we discussed and afterwards I waited to hear back. Soon after, I moved to a new place of residence and lost track of the status of the case. I don't remember receiving further updates. Overall, I wasn't equipped to deal with this circumstance properly and I ended up in deep trouble. However, I do understand that I am still held accountable for my negligence. So CFPB, I appreciate the opportunity to reconcile my professional relationship with Midland Funding and XXXX because I will prove trust worthy with lenders by borrowing responsibly and paying back promptly moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I noticed that my debt card was charged a total of {$460.00} .by fed ex .I opened a fraud claim with bank of america. They shut off my card and sent me a new one that I received 10 days later. So after I received my new card I was hit with fraudulent purchases again at fed ex again for a total of {$1100.00}. the bank told me that both times the card was physically used on site in XXXX Tennessee.. I have never been to XXXX Tennessee and the card has never left my possession. Its obvious to me that the fraud is an internal problem with the bank. Since I have never made a purchase ever at fed ex. Bank of america as of XX/XX/XXXX has denied the claims. I have not received the letter stating why the claim was denied yet

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 2021-01-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested Equifax send me the method of verification that they used to verify the inaccurate XXXX XXXX XXXX account they claim was investigated. The dispute was opened and then closed and I didnt get any correspondence from them. I dont owe XXXX and I want it deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: MA

Complaint narrative:
On XX/XX/2020, HSBC approved my application for a Premier checking account. Application ID XXXX. This application was completed from HSBCs promotional landing page for the 3 % Cash Bonus offer ( screenshot attached ).

The promotion was to pay up to {$100.00} per month, for 6 months, provided minimum deposits were met. 

Following this application, I complied with all terms of the offer, including funding levels to meet the offer terms. 

I initially contacted HSBC on XX/XX/XXXX to confirm that the promotion had been successfully applied to the account. They started an internal investigation. After repeated inquiries, they state their marketing system did not correctly attribute my application to the promotion. I reiterated that the application was submitted from the appropriate page. They declined to honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Trust Management LLC
State: CA

Complaint narrative:
The debit collector was very rude and tried to put some pressure to pay the debt by saying he will move forward to sue me or file a lawsuit against me when all I ask was how I would know if he is scam or real debit collector. And refused to provide any proof as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
My wife applied for an additional user card for me, which American Express claim that a cardmember can apply up to four additional users of which the original cardholder is responsible for the charges and all the agreements. AMEX also stated that they will not pull the additional user credit history or the cardmember 's because the cardmember is the one who guarantees the second card. When my wife submitted the application with my name and SSN, a message came on the screen that AMEX will let us know IF YOUR REQUEST HAS BEEN APPROVED OR NOT. ( the first red flag that something not right is going on ) Which tells me that AMEX did check my history, at least with them. 

I called AMEX a week or two later on Saturday XX/XX/2021 around noon to inquire about my card, only to be told by the representative that my card was not approved because I have a bankruptcy with AMEX that dates back 17 years ago. I talked to a manager that day who was very nice and expressed understanding that one can't be punished for something from 17 years ago ( feel free to pull the recording from both conversations ). He also said that he will send a request to the under writer to re-evaluate my request taking in consideration that this bankruptcy was 17 years ago and that my wife AS ADVERTISED is the sole owner and responsible for the account. A week later I got denied again by the underwriter. Once again, I speak to a manager who said that AMEX will not change their mind and that they will not issue me a card, but she will try to talk to them. 

That leaves me with the conclusion that : ( 1 ) You have deceived me by not mentioning anywhere in your privacy notice or on the website that the additional card user history with you WILL BE considered in your decision. ( a snap shot of both are attached ) ( 2 ) I have been discriminated against based on my race, name, and country of origin. 

( 3 ) AMEX does not have fair practices and does discriminates between applicants. I have never heard of keeping a record from 17 years ago and use it against the applicant. People 's lives change 180 degrees in 5 years period, let alone 17 years. Not to mention that this bankruptcy was only and only because of a divorce where before the divorce, my account with AMEX was in a good standing for many years. But AMEX did not see that I had an excellent credit with them until the divorce, but only looked at the bankruptcy and decided not to issue me a card, despite their own advertisement that mention nothing about taking in consideration the additional card user history with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have been a member of America First Credit Union for 25 years and was notified they will automatically be charging me {$6.00} a month for my checking account. If I would like to continue the free account I already have I am required to call and opt into a free account?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I have a prepaid debit card with Current. In XX/XX/XXXX many different fake companies like XXXX XXXX  XXXX, XXXX, XXXX, was charging my account. I did everything I was supposed to do including getting another card to stop this. I filed a complaint with current and they said they investigated this. I dont think they did because I just got another charge on my account yesterday XXXX XXXX, XXXX @ XXXX XXXX  at XXXX XXXX. I live in XXXX, CO. and we dont even have a XXXX XXXX. I told Current right away that this is not me and please look into it. I want it to stop. I just received a new card not that long ago from other problems. So there should be no reason why my card should be being charged. Plus I dont have a balance. When I talked to XXXX from Current she said I cant file a complaint just get a new card and I will get it in weeks. I told her no because I'm going to get unemployment again and I dont want to wait that long for a new card. She did it anyway without my permission. Now I have to wait because I cant change my card on unemployment at this time. This has been a continual problem with this card since i got it early last year. Even if I change my card it continues.. I dont know what is going on.. I even investigated these charges and sent them the info. Nothing came of it. I just know that my money keeps being taken and they do nothing about it.believe it or not. as i was doing this complaint another charge tried to come through and they cancelled my card.. unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My wife and I specifically requested the loan originator on XX/XX/XXXX we did not want to have a interior appraisal during these difficult pandemic times. He suggested Rocket Mortgage would possibly be willing to waive. We further proceeded with the application. Days passed in which we provided necessary documents were requested. After a few days XXXX XX/XX/XXXX. XXXX ), the appraiser called to schedule the appraisal. We questioned if we was aware it was an EXTERIOR ONLY. He stated he was not advised of that. He additionally stated he was told to perform both exterior and interior. 

Considering the heightened concerns of COVID-19, we were adamant about protecting our home ... our SAFE HAVEN, as well as ourselves. After repeatedly expressing this awareness, Administration/Management has done nothing more than defy our safety and health for the sake of mandating inconsiderate guidelines. 

We were in the process of a conventional loan, but wanted to utilize a VA loan for the first time. The loan originator felt the conventional would save us more. When the dispute carried on for several days, we requested to switch to a VA. Primarily because we were aware interior appraisals were not required. Veterans Administration printed a circular ( page 2- item 2/b )., If either party does not wish to move forward with the interior inspection or does not meet the criteria listed above, the appraiser may move forward with an EXTERIOR-ONLY appraisal with enhanced assignment conditions. Lenders may not direct the appraiser to conduct an interior inspection. 

This statement is found under Purchase or Refinance Transaction ( property occupied ). The items listed above are all relative to NOT HAVING XXXX  symptoms, HAS NOT BEEN quarantined ... none of which applied to us. Therefore, we DID NOT MEET them. Circular XXXX found on Benefits.VA.gov This angered us to know Rocket Mortgage ignorance of interpretation violated our rights to insist on an interior appraisal in order to finalize loan approval. Thus subjecting our safety and health during the coronavirus NOW with deadlier strains that are worse than COVID-19 during the time the circular was initiated ... XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2015 I purchased a car from a dealership called XXXX XXXX in XXXX County, Ca. I drove the car home and it never moved again. I tried calling the dealership and left messages and no one would return my calls. I called other local dealerships because now without transportation, I was not able to travel or bring the car in from XXXX County where I live. I phoned other dealerships in the area to find out why no one was answering the phone. They told me there was crime tape around that dealership XXXX XXXX XXXX XXXX and that all the cars on the lot had been confiscated by the police. The police were questioning folks in the are and the Owner, who identified himself to me as XXXX was now a fugitive. I phoned the bank where the loan was originated and they stated that I had already signed the deal and it was too late to do anything except pay the {$460.00} each month. They told me this was necessary to protect my credit. They also told me that once I reached XXXX they would forgive the rest of the loan. I continued to pay my monthly premiums of {$460.00} for years and was never late with a payment because I wanted to protect my credit. When I reached the XXXX, the bank started to avoid me as well. They told me they were under new management and that offer no longer applied. They demanded an additional XXXX and threatened me with collections and damage to my credit. I paid for years so that my credit would not be destroyed, but now this is what I was facing. This is a criminal matter and no one wanted to help me. Based on this, I have been unable to find a place to live, get a job and this scam has literally destroyed my credit rating and my life. Please help me to remove this black mark from all 3 credit bureaus. I paid on time ... never late for years to end up with what I was trying to avoid all along. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number 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 2021-01-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to bring to your attention a great injustice done to me by my mortgage company XXXX XXXX ( actually XXXX  ) by reporting me to XXXX XXXX with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX XXXX my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted XXXX for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX of XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX XXXX 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with XXXX  on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider XXXX beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!! 
Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MN

Complaint narrative:
I been receiving harassing, abusive, threatening phone calls repetitively from Hunter Warfield , Inc . Call Center Debt Collection Representatives for a collection account that is not my account and is the result of identity theft. Hunter Warfield representatives has been harassing me, using abusive and obscene language and making threats of violence and death against me for a collection account thats fraudulent, not my account and is the result of identity theft. The following collection account is fraudulent and not my account : Hunter Warfield , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2019, {$6200.00}. Hunter Warfield , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America first credit union is automatically switching all checking accounts to a paid premium amount. We have be to call in to opt out of the automatic $ XXXX monthly charge.

Company response to consumer: Closed with explanation