vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an invitation to apply for a XXXX credit card from BBVA Compass Bank and went ahead and applied online ( application ID : XXXX ) my application stayed pending for over a month and during this time I received false information from more than 10 people in customer service about the application being pending credit review. After a long period I spoke to someone who claims to be a supervisor ( XXXX XXXX ) but he was rude, not helpful and had no power or authority to demonstrate that he is a read supervisor. He told me that the bank won't approve me because I am not a XXXX XXXX which is a total discrimination based on Citizenship and Country of Origin. I told him if that's how the bank evaluates potential customers why did they send me an offer in the mail to apply for credit card even though I am a citizen to which he never had a good answer and then he started blaming me for applying online even though the letter says that I can apply online, in branch or by the phone. Federal credit regulations state that when a bank solicits a customer through mail to apply for a credit card their offer must be firm, legit and final approval is subject to CREDIT approval not citizenship status. If this bank made me an offer they were never going to honor it even if my credit was perfect because they are discriminating against people who are not citizens which means that the offer was not legit, illegal and against federal regulation. I asked if they are willing to remove the inquiry and he refused and told me to go contact the credit bureau. I read the offer letter again and not a single word says anything about being a XXXX XXXX before applying. Later I received a letter in the mail stating that they won't approve me because of fraud risk which is a complete joke because I tried to work with them and submitted verification documents including my social security card and state ID and even went to a branch in person to resolve the issue but no one wants to help. I was treated unfairly by this unprofessional bank and it's useless customer service team and I expect CFPB to protect me and my rights from this whole encounter. Attached are all the pages from the offer letter and the denial joke letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan from Discover. I spoke to XXXX, she offered 4.99 % interest rate. I am attaching the picture of the flyer they sent me where I wrote down name of agent, date, amount, & interest rate. I called today for the XXXX time to get a solution to this problem to no avail. My account is : XXXX Name : XXXX XXXX XXXX of birth : XX/XX/XXXX Address : XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX : XXXX XXXX : XXXX Discover 's tel. # XXXX Address : XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
To whom it may concern : I did not incur the debt which is indicated. The ATM machine ate my {$500.00} in cash. XXXX XXXX XXXX as well as the security guard at the PNC Bank witnessed the machine eating my cash. The bank credited my account. However, they have since rescinded the credit and applied late fees without providing any documentation. I was assured by the bank manager XXXX XXXX XXXX. That the machine would not be properly reconciled on XX/XX/13 and that I would not have a problem. However, since then they have billed me for {$500.00} which they owed me and tacked on late fees. I have not, nor has any attorney who represents me received : The video footage from the ATM indicating that it stole my money. 
Documentation that illustrates that the ATM machine was not reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX 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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, XXXX, and TransUnion. XXXX has deleted the item from my report. While TransUnion in clear violation of the FCRA continues with what seems to be malice to report these items. I am providing TransUnion with documentation to this effect ...

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 2018-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I finance a vehicle that caught fire twice. The first time was 2 months after i got the vehicle. They repoed my car after my credit was cleared.

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have had a credit card with Capital One since XX/XX/XXXX. I have continued to pay the bill on a timely basis. I have had several health issues ( XXXX XXXX, XXXX, XXXX ) and have used the card for medical purposes as well as day to day expenses. For the past several years I can only make the minimum payment and will never be able to pay it down. Then In XX/XX/XXXX I developed XXXX and have accumulated additional bills from doctors, hospitals and XXXX services which I struggle to pay. So onXX/XX/XXXX I reached out to Capital One regarding some type of workout program? They said they would reduce my monthly minimum payment from {$260.00} to {$200.00}, reduce my rate to 7.4 % which would pay off the card in 60 months. I thanked them for the help. They said it would have effect in XX/XX/XXXX or XX/XX/XXXX. After this conversation, I began restructuring all debts based on their commitment. Today I received a letter saying ... .your account is currently ineligible for this program! It didn't say why, what for anything else. So I called them and spoke with a councilor and then a XXXX and explained that under Regulation B they had made a verbal offer of credit and I felt they should stand behind their word. Neither one knew of Regulation B said there was nothing could be done and but if I wanted I could submit a request in writing I could do so. 

I have no other place to go but I need help. Your help with this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, TransUnion, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX 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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom it May Concern : I am writing to update/correct my personal information on file with Equifax, XXXX, and XXXX. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: TX

Complaint narrative:
my mortgage i had was 1st with XXXX i had some hard ship and applied for re-mod with then and during this process the loan got bought by XXXX XXXX   XXXX of Texas.they 1st worked with me an told me a payment of {$1600.00} which i have been paying. on XX/XX/XXXX i received a letter informing me that my escrow is going to short {$11000.00} and my payment will there jump up to {$3000.00}. I have phoned them on many to ask how this is so when my taxes pmi and is $ XXXX. then i received my XXXX form it shows that my mpi i have been paying for the last year is {$730.00} over what it should. now if i am correct the PMI is usually 0.4 % -1 % i pay way over that. again i call them to discuss this i told that my loan has been calculated correctly and they will give me yet another new payment which i was supposed to get on the XXXX XX/XX/XXXX sent emails left messages still waiting for answer. i thought once the remod was done i my payment would of been the same. i am super frustrated with this company and dont know weather to hire a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery DID NOT DISCLOSE THE DATE OF THE LAST ACTIVITY ON THIS ACCOUNT as requested in previous complaint closed by Portfolio Recovery. The Company DID NOT AND HAVE NOT provided the DATE OF LAST ACTIVITY TO XXXX, XXXX   OR XXXX credit agency. In Portfolio Recovery response to previous complaint, they only stated this XXXX adverse account was opened in XXXX and was purchased by Portfolio Recovery in XXXX. The Statue of Limitations legally allows that this adverse account be removed from my credit reports 3 years from the DATE OF LAST ACTIVITY SINCE THE INITIAL CREDITOR IS INCORPORATED IN THE STATE OF DELAWARE. The attached bill statement provided by Portfolio Recovery in previous complaint does not include the information requested, which is the DATE OF THE LAST ACTIVITY. The bill statement does not reflect any activity of the account holder. I formally request this account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I was notified by a credit monitoring service that your agency placed an account on my credit files for collection. I have not received a dunning notice or had any communication with Commonwealth Financial Systems, which is a direct violation of the FDCPA Section 809 ( a ) because your agency never contacted me within 5 days of initiating collection activity against me. More so, it is also a direct violation of Florida Statute 559.715 because I was never given a written notice of bill assignment at least 30 days before any action to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have been going back in fronth with diversified with settling a delinquent account they original inform me that if i settle the account it would be deleted from my credit report that never happened they also advised once the payment clear i would receive a letter confirming that which was never sent via email or mail.Upon recently reviewing my report the account was never deleted when i called back to ask why they then advise me they cant delete it only the original creditor can. i call XXXX and asked can they delete the charge off. they inform me diversified would have to delete it due to the fact that they reported it ( which makes sense ). At this point I'm tired of going back and forth between XXXX and the collection agency. The only reason i settled the account because i need to get a mortgage loan. I have now closed and I'm still dissatisfied that they lied and the reporting status I would like this charge off account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I got a new phone number from my new cable company. I do not owe anyone, any debts. The second and third day of my new phone number I got a call from a debt collection company. It was a robo call with instructions to call XXXX. I have not called them. Thank you.

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 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Enterprises, LLC
State: CO

Complaint narrative:
Revenue Enterprises {$1000.00} Origin was for the XXXX XXXX Colorado it was in XX/XX/2014. This Bill was for the XXXX XXXX back in 2014 I was XXXX Years old at the time and my mom took me to the hospital so I am unaware of what type of insurance I had. I have not received notice of this collection, I am young and I did not know about credit scores or how any of it worked. I have recently started to look into my credit and want to get back on track and fix my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX BILL PAY XXXX XXXX ON-LINE XXXX ON XXXX {$400.00} XX/XX/XXXX Advised Wells Fargo payment made by mistake to XXXX card. 
Requested stop payment on bill pay. WF stated they made a wire transfer to XXXX not sent a check and would not reimburse my account via stop payment and that I had to contact XXXX. Filed claim # XXXX with WF to get funds back. They said it would be 10 -14 days to resolve. 

XX/XX/XXXX Also contacted XXXX XXXX to request funds be returned. They stated that XXXX   no longer will forward funds to new XXXX XXXX accounts with XXXX . They said they have no way to access my old account and when received funds are returned by them to sender in this case would be Wells Fargo. 

XX/XX/XXXX No response or resolution from either Wells Fargo or XXXX. 

Please help me recover my {$400.00}.

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 2018-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I received an alert on my credit report from XXXX showing an " unauthorized inquiry '' from Check Into Cash. There was also 2 from XXXX XXXX I immediately contacted both Companies and was able to speak to the right people who advised me on how to get them removed. I also contacted XXXX, XXXX and XXXX but XXXX was the only report it was showing on they advised me on what to do. I did what XXXX advised and emailed their documents which included a notarized 5 page affadavit, a copy of my government issued ID and a copy of my address. They verified receipt and sent me a letter ( attached ) confirming they will delete their inquiries. Both showed as HARD INQUIRIES so I expect them both to be removed. XX/XX/XXXX I certified mailed a letter ( attached ) to XXXX which included a 5 page notarized affadavit and a letter to XXXX Consumer Contact XXXX  XXXX XXXX XXXX, PA XXXX the US Post office verified and confirmed receipt on XX/XX/XXXX. I expect they'll remove the inquiries also but the problem is with Check Into Cash I never applied for their services. I CERTIFIED MAILED A NOTARIZED AFFADAVIT TO THEM XX/XX/XXXX ALSO BUT ITS LOST AND POST OFFICE IS INVESTIGATING IT BUT AFTER THINKING IT SHOULDNT BE ON " MY '' REPORT ANYWAY BC ITS UNAUTHORIZED AND CHECK INTO CASH CONFIRMED THE SOCIAL DOESNT MATCH MINE SO PLEASE TELL ME WHY ON EARTH IS IT ON " MY '' CREDIT REPORT????? THE LAST FOUR DOESN'T MATCH THEY ALREADY TOLD ME OVER THE PHONE YET IT IS ON MY REPORT. THE SOCIAL DIDNT MATCH WITH XXXX EITHER BUT THEY'RE GOING TO DELETE THEIRS. PLEASE PULL THE RECORDS YOULL SEE MY LAST FOUR IS NOT XXXX WHICH IS WHAT CHECK INTO CASH HAS IN THEIR SYSTEM. ONCE I CONFIRMED THE LAST FOUR DIDNT MATCH THEY STILL PROCEEDED TO TALK TO ME VIOLATION RIGHT THERE. THE CALL SHOULD HAVE ENDED. I RECORD CALLS TOO AFTER THEYRE NOTIFIED. THEYRE BEING NEGLIGENT REMOVE ALL 3 INQUIRIES 2 XXXX AND 1 CHECK INTO CASH MADE ON XX/XX/XXXX. THEY'RE UNAUTHORIZED. I ALREADY PUT IT IN WRITING THE LAST FOUR DONT EVEN MATCH MINE SO REMOVE THEM.

Company response to consumer: Closed with explanation