vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2020, I attempted to purchase a Diamond ring from XXXX and was under the impression that if I applied for a Wells Fargo jewelry credit card that I would be able to make the purchase immediately. Once I applied for the credit card, I realized that I wasn't able to use the credit card for two weeks which was extremely misleading. The available {$6200.00} credit line with Wells Fargo was practically useless given the purchase price was {$18000.00}, my credit history is stellar, as well as my current income is extremely high with very low debt to income ratios. 

Once I realized that I wouldn't be able to use the credit for several weeks, I purchased the ring cash from the website XXXX XXXX A few day 's later, it appears as though I was bait and switched as XXXX XXXX  called me and said the diamond ring that I had purchased was not available. They attempted to sell me a lesser diamond at a higher sale price and I eventually had XXXX XXXX issue a refund. 

I was mislead by XXXX XXXX with a product that wasn't actually for sale and the terms with the Wells Fargo card was extremely misleading granted I was under the impression I would be able to utilize it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had approximately 10 store credit cards backed by comenity bank in the last 3 years. For each one, I requested SCRA benefits due to being a legal resident of a key provision state which extends 6 % interest cap despite accounts being opened after joining XXXX XXXX service. I have asked for denial in writing, was declined. I sent messages and made numerous phone calls. Comenity bank does not have federal sovereignty therefore they are violating federal law in the overcharge of interest to military members who are legal residents of key provision states. Request written explanation of why comenity bank doesnt have to follow federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the XXXX data breach and i'm concerned it may have got into the wrong hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: MI

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate items on my credit report and to this day, over 60 days later I have not yet recieved a response back. I really feel as if my disputes are being ignored. Section 611 ( a ) states that, a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been more than 60 days so these items should be deleted. Due to the stress that has been caused, I demand theses accounts be deleted now or i will file for litigation. My information was also impacted by the equifax data breach and i'm concerned it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI

Complaint narrative:
I do not owe anyone anything : called on XX/XX/2020 at XXXX XXXX : XX/XX/2020 at XXXX XXXX and XX/XX/2020 at XXXX XXXX This place called from XXXX on numerous occasion and has left voice messages. 
The guy sounded foreign- he asked if I was so and so ; I said yes and then asked if my date of birth was this and if my social security number was this and my address. I told him I do not give out information over the phone and he would not, Tell me what he was calling about ; he just kept repeating it my information.I requested that they do not call again and then I just hung up, it was scary because I havent gave my info out and I dont have any bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Please do not close this complaint. GM Financial is trying to get from me more than the vehicle buy out lease amount. The buyout lease amount was under $ XXXX. The dealership purchased the lease turn-in vehicle in the amount of {$10000.00}. GM financial is trying to get an additional amount over $ XXXX ( which they added to my credit report. While I understand that the mileage was over the amount allocated, GM Financial should not be allowed to receive more than the lease buyout amount. They were not amenable with dealing with me directly for purchasing the vehicle outright. I don't believe that a financial institution should be allowed to add undue financial duress on a client. GM Financial should request from me the amount of the difference between the lease buyout and the amount purchased from the dealership. Approximately a little over $ XXXX. I have not received any communication from GM Financial regarding rectifying this matter. Had I simply had this vehicle repossessed I would have been charged the difference between what the vehicle was sold for and what the lease termination amount would have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I have received several calls and letters from Credit Bureau Systems ( CBS ) stating that I owe {$440.00} for unpaid debts to XXXX XXXX XXXX. The debts are from XXXX. I have contacted XXXX XXXX XXXX and verified all of the debts were paid in XXXX. I have called CBS numerous times stating they were paid and they continue to call and send letters. The last letter was sent to my employer on XX/XX/XXXX. The last call to my cell phone was on XX/XX/XXXX. They have also called on numerous other occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Account has been open fraudulently. This account is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
The debt has been sold to National Credit Adjusters. When I called to clear up the matter, they stated that the debt has been outsourced to another company. They gave me the number to call that other company. When I called there was no identifying information to let me know who this company was or that it was even a company. I hung up. I did not feel safe or secure giving my banking information to an unidentifiable company. I called National Credit Adjusters back. I wanted clarity on this matter. The lady that answered the phone did not ask me for identifiable information, however she gave me my information. Thank God it was me calling or someone else would have some of my personal information that should be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Account Info XXXX over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX N N N N N N N N N N XX/XX/XXXX N N N N N N N N Negative Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I make payments at the end of the month, they call me several times in the same day, I talk with them every time, they called me 4 times on XX/XX/2020, they were given date, said they are sorry. im working and being harrased

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This account has been opened fraudulent and its affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
I am a customer of skrill for at least a year. I called them many times in the month of XXXX asking for the transaction limits policies. Every time I called their assured me the limits were {$500000.00} to deposit and withdrawals. After confirming this transaction limits policies three times, I decided to transfer {$97000.00}. Once my money was in skrill I started having problems ( XX/XX/XXXX ). They said I can only send money to another skrill account up to {$20000.00} every three months which I send to another skrill account the money, leaving me with a balance of {$77000.00}. They also said I can only withdraw {$15000.00} every three months, however, I cant no even withdraw the {$15000.00}. Skrill has put a restriction on my account for no reason for withdrawals. They asked me to provide them with all my information such as bank statements, social security card, passport, driver license. They said the " case '' was escalated, however, every time I called they said to wait. I have been waiting and waiting and no answer. They said a manager will contact me, however, nobody has contacted me yet. They always said due to the high volume of cases, managers are backed up, so I have to wait. I am afraid they are just going to keep the money. I read many reviews online which states skrill tends to keep the money. I need help. I can not lose this money. I can not afford to lose {$77000.00}. Please help. One of the reasons I decided to do business with skrill is because they stated " Skrill USA Inc. is registered with XXXX and holds licenses in various U.S. states. '' I CAN NOT WITHDRAW MY MONEY. THEY ARE HOLDING MY MONEY HOSTAGE. PLEASE HELP. I JUST WANT MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NV

Complaint narrative:
Secured Veterans Home Loan for a property located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX from Cardinal Financial Company Loan Number XXXX XXXX. ( hereinafter " Cardinal '' ) Escrow closed on or about XX/XX/20. On XX/XX/20 made the first Mortgage payment o {$1400.00} that was due on XX/XX/20. i.e. I made the payment one month in advance. On XX/XX/20 I received a letter confirming the receipt of the payment. On XX/XX/20 I was noticed by Cardinal that the loan would now be serviced by XXXX XXXX XXXX XXXX XXXX XXXX who sent me a payment request for XX/XX/20. I noticed Cardinal to forward the money.. Cardinal said it would send the payment made to Cardinal to XXXX XXXX . Cardinal failed to do so and I received a payment request for XX/XX/20 and XX/XX/20. I sent in the money amounting to another payment of {$1400.00} for XX/XX/20. Another request for payment was {$2900.00}. Finally XXXX XXXX found the payment for XX/XX/20 and advanced the next payment due to XX/XX/20. When the money is sent to XXXX XXXX from Cardinal, the next payment would be due on XX/XX/20. Cardinal now refuses to answer the phone. As it stands now, I paid the XXXX and XXXX payments twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Several months ago, apparently XXXX XXXX sold my loan to something called 'NewRez LLC '. I got a bill that said NewRez but it still had the same A/N ( XXXX ) and the XXXX address so I paid it. When it hadn't posted before receiving a new bill with a new A/N ( XXXX ), I paid it too. Next thing I know I get a notice that it was overdue so on XX/XX/XXXX I mailed another payment which has still not been taken from my checking account. Eventually I discovered that XXXX had applied the first check to a Heloc in spite of it containing my mortgage number ; and also, the second check was returned to me in spite of having the correct account number. I was finally able to sign into the NewRez web site and paid {$600.00} on XX/XX/XXXX but it hasn't posted yet. I'm losing track of who's ahead on this when it takes several weeks to post a transaction that was paid online. I sent an email to them asking who the governing body is for NewRez LLC but have heard nothing back. I really want out of this arrangement but I don't even know who I'm dealing with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The COVID caused my company to be shut down on XX/XX/2020 which left me unemployed. Synchrony bank knows of what happened since XXXX as I have ben keeping them abreast of my situation. I was also given extensions every 90 days. 

On XX/XX/XXXX, I was given a notice that my account was being closed and my credit was being destroyed by them. I attempted to speak with someone to explain the law and how the COVID rules should be enforced in which I was told to XXXX XXXX and we ended up in a shouting match with not one but 2 reps. They then both told me too bad and my account will stay closed. 

As a precaution I contacted the company who uses this as their main card Discount Tire who was very nice but in shock as they were not aware that Synchrony was closing their customer 's account without their knowledge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A {$2000.00} transaction was made from my account using XXXX XXXX late XXXX XXXX.I did not authorize this transaction. I have NEVER sent money via XXXX XXXX, this is the first time in years that Ive had my account, an XXXX XXXX transaction was made. 

I contacted XXXXXXXX XXXX but bc it can from my card they directed me to contact my bank. Contacted my bank XX/XX/2020 to dispute it. 


They said the reason they closed it was because I was logged into my simple account and I recently funded my account. I fund my account when a client pays me which is often and not unusual. I did so around XXXX that day, but I was not logged in near midnight to make the transaction. Large transactions like this are not usual on my account. They then closed my dispute with no proof. When I requested proof they said they would send it but that was almost XXXX weeks ago. I have contacted them XXXX since and have heard nothing back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This account was open fraudulently. This account is affecting my credit. Please have this account removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation