vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with a promotion of 24 months with 0 % APR XXXX XXXX XXXX. In my XXXX statement from Synchrony, I tried to locate the terms as advertised and I was not able to locate them on the statement. I looked in the online account information and it said I had no promotions available. I contacted XXXX and they said that Synchrony should have sent me an email outlining the terms when the charge was placed. I checked my email for Synchrony and no such invoice detailing promotional terms was located, only the notification of the new statement with the purchase included. 
I contacted Synchrony that same day XX/XX/XXXX XXXXCST and spoke with XXXX. I stated that I wanted to confirm that my purchase was under a promotion as I had no confirmation that it was. They confirmed I was under a 24 months no interest promotion. I stated that if there some sort of internal suggestion they could make of having the promotional details clearly included and detailed on the statements and the representative quickly stated that it was printed on the statement. I asked him how it was displayed on the statement and he said there's a code in front of the purchase ( along the lines of XXXX, or similar ). I let him know there was nothing on my statement with such a code and I believe that they then actually looked at the statement and determined it not to be there as they quickly reassured me that it was under the 24 month promotion and quickly asked if there was anything else they could help with.

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 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I recently refinanced with Loan Depot in XX/XX/2020. Loan Depot was supposed to deposit {$6900.00} into my escrow account upon closing. That didn't happen. Instead they only deposited {$520.00} into my escrow account. That means my escrow account is {$6300.00} short. Loan Depot is well aware that they owe this money to me because I have brought this error to their attention a multitude of times over the last 2 months or so. They have acknowledged the error. Nevertheless Loan Depot has continued to ignore their obligations under this mortgage agreement. They still have not deposited my money into my escrow account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
I am completely debt free. These calls are unwanted spam. It happens daily. Most often, they hang up right after I respond. I have called back and searched for the phone number on my browser to find the people responsible. I have blocked many numbers but still they call from another number. 
The perpetrators are : The Northstar Companies XXXX XXXX XXXX XXXX, NY XXXX p : XXXX / XXXX f : XXXX Im frustrated and tired of being harassed. This has to stop. Its unfathomable that in the year 2020, businesses are still permitted to operate this way. Shut these XXXX XXXX down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: TX

Complaint narrative:
I have a lot of issues with my credit report, inquiries that I did not authorize and accounts that are not mine.

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 2020-12-11 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: FL

Complaint narrative:
Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
Dear Sir or Madam, I'm XXXX XXXX from XXXX, NC. I've been disputing this collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, XXXX : XXXX, Email : XXXX. I'm XXXX XXXX from XXXX, NC and I'm disputing a company called Huntington Warfield. I have contacted this company on several occasions since XXXX to resolve a debt that I disputed from a company name XXXX XXXX XXXX, that I had rented a home from over 2 years ago that claimed that I owed monies for basic wear and tear of the rental home. Therefore, they had sold the account to Hunter Warfield who has been harassing me for a couple of years to collect approximately {$2000.00} dollars. Therefore, this year Ive tried to contact to resolve the collection debt and to negotiate a pay-off. On XX/XX/XXXX, I called to negotiate a pay-off and the lady on the line stated she will allow me to settle and pay {$1400.00} to pay the {$2000.00} balance off in full. Therefore, I gave her my credit card information and paid {$1400.00} and she stated that I will receive a receipt that the debt was paid in full for the complete balance within 24-48 hours to my email. The complaint is the following day the lady calls back and states that I owe {$1500.00} more dollars before the debt will be paid off. I then reiterate what she had told me on XX/XX/XXXX, that my account balance was paid in full. She stated that she didnt tell me that. I was very upset and I disconnected with the lady at Huntington Warfield. I decided to call back on XX/XX/XXXX, and requested to speak with a manager and received a gentleman representative that stated I owe over {$2000.00} now and stated that the lady representative did not suppose to have negotiated with me on the balance. My second complaint is that they are trying to scam and price gauge me because my debt was only {$2000.00} and I paid {$1400.00} on XX/XX/XXXX. Therefore, how do I still owe {$2000.00}? Please help this collection agency has made my life so miserable and they are allowing me from being able to rent another place for me and my children to live and at this time we are currently homeless. Please HELP! 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 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: Nelnet, Inc.
State: NC

Complaint narrative:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX I applied for the hamp program making home affordable. Webster Bank which is a federal government bank refused to honor the HAMP and offered this to others. 
The bank made me wait 2 years for a modification and didnt start as contracted. 

My interest rate prior to modification was 3 % they increase to 5.5. 
Also charged extra over XXXX for modification. Bank is reporting incorrect balance. I never agreed to pay addition XXXX XXXX The modification increased my interest rate and payments are increasing often. I dont agree to balance owed. The taxes only went up 120 in a year. 
Bank refused to fix or grant error back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lake City Credit
State: VA

Complaint narrative:
I have received several calls from a phone number XXXX, XXXX Texas. They last called they claimed to be a debt collection company called Lake City Credit. They claimed I owed {$870.00} for a XXXX Account bill and were collecting the debt. I do have a XXXX Account that I have had since XXXX. After their last phone call at XXXX XXXX, XXXX XX/XX/XXXX, I contacted the XXXX Billing Dept. They confirmed that my account was paid up to date with no prior debt. That they had never sent a debt to collections in my name and had never heard of Lake City Credit or did business with them. XXXX told me to ignore/block their calls because it sounded like a phishing scam. What concerns me is that these people had knowledge of the last 4 digits to my social security number. I have never received any notification from this company in writing and only phone calls which I now consider harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I responded to an Amex Offer to make a purchase at XXXX of a minimum of {$340.00} and get {$70.00} back. I made a single transaction at XXXX on XX/XX/2020 for {$370.00}. I never received the credit and I inquired and the customer service agents told me that the transaction had been split in two, and {$49.00} of the transaction now did not qualify so I couldn't get the offer. I feel this is deceptive, and I was induced to spend the money by the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: NC

Complaint narrative:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

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 2020-12-11 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: NC

Complaint narrative:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

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 2020-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capitol One is trying to collect XXXX which I did not authorize. I have told them 4 times if they prove that I bought what the say I will pay them. 
Capitol One has never responded to this but they have reported me to the Credit Agencies and have destroyed my credit. 
You have tried to help me but I think Capitol One is just laughing at you because they have not responded. I think it is time for you to apply more pressure on them to respond to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had a Quicksilver VISA credit card with Capital One. At some point in XXXX, Capital One claimed that there was fraudulent activity on the card. They told me to send photocopies of my Social Security Card, drivers license, and something else to them prior to clearing the fraud alert. I suspected a phishing scheme and refused to do so. 
The account was dormant until XXXX when Capital One unilaterally decided to cancel the account. I don't object to that except that the VISA had a cash rewards plan and I had money due to me. 
In XX/XX/XXXX, I wrote to Capital One, asking for my cash rewards to be paid to me. There has been no response. 
I object to Capital One 's business practices. 1. There is no need for me to send the requested documentation to clear a potentially fraudulent charge. 2. They owe me my cash rewards. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I applied for a credit card with an XXXX Guest Reward Mastercard from Bank Of America and my application was denied. At the time of my application, my credit score was XXXX. This credit is considered to be very good given that I have excellent payment history and low debt to income ratio. 

As a result of applying for this credit card, my score was mysteriously lowered to XXXX. 
Bank Of America sent me a disapproval letter stating that my score was XXXX and not the score that was current at the time of my application. Which means that my credit score was not referenced at the time of my application. 

The reason given for the denial was that : -You do not have a sufficient number of established credit references -There are too many inquiries on your credit files ( Note : I have at most 2 inquiries ) -Limited deposit and/or investment balances with us and/or our affiliates.

I have concluded that Bank Of America is operating with a nefarious intention or XXXX discrimination in denying my application or they did not want to honor the offer of XXXX XXXX points in with opening an account a rewards Mastercard. 

Bank OF America also stated in an email that I had requested a balance transfer with the application, which I didn't Bank Of America has already being found guilty of consumer fraud in New York and ordered to pay XXXX XXXX Dollars. 

So I will be following up with other legal means to stop this XXXX fraudulent institution.

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 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need your assistance ; I have to resolve this situation, and to no avail has it been resolved. I complete a XXXX Money transfer from my Wells Fargo Checking account to XXXX XXXX, XXXX, email address XXXX. I transfer a total sum of {$350.00} on XX/XX/XXXX for the exchange of merchandise. After transferring the funds, XXXX XXXX changed her number, email, and her XXXX profile. I immediately contact Wells Fargo, provided my information, and was informed an online transaction claim would be started. A Wells Fargo representative also told me if my claim was still not resolved within the ten business days, I would be provided a provisional credit of {$350.00} until the claim was resolved. 

I contact wells Fargo today, XX/XX/2020, at XXXX XXXX at XXXX ; I was told that my claim was still being worked. I was also told the previous information received from the Wells Fargo Representative on XX/XX/XXXX was not accurate, and no provisional credit would be granted. I requested to speak with a Supervisor who said I would not be receiving credit and would not be getting my money back from filing the claim. 

I am a single parent of XXXX girls, and this purchase was for XXXX gifts. I am desperately seeking your assistance to help rectify this situation and give my kids a XXXX. I am currently unemployed and have no additional funds.

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 2020-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XXXX XXXX a friend sent me {$5000.00} through PayPal. Now PayPal isn't letting me have my money. Although I have done all that is required for me to do. They are trying to steal my money and I can't do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company has a " copy '' not the original lease documents. The lease does not show my signature on there and no evidence of an drivers licenses this is surely hearsay and is inaccurate. I never lived at this place and I was a victim of identity theft. This needs to be removed off my credit immediately. This is against the law. This is not the original lease nor does it prove anything. My social was not only compromised but it is not even shown on the lease. If this is not taken care of this will go into litigation. Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 7191 may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened my account with chase bank on XX/XX/2020, I set up direct deposit and I transferred {$1900.00} from my old bank account to my chase account, fast forward to XX/XX/2020 and my account is locked and closed with no explanation. The money I transferred into the account is now being mailed to me and I have to wait up to 1 month before I receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As of today, XXXX XX/XX/2020, there have been multiple issues with this card. 
1 ) I opened a new Macys XXXX XXXX card in early 2020. I was promised Macys bonus points ( aka XXXX XXXX ) worth {$20.00} in Macys purchases if I used the card for at least {$150.00} in purchases outside of Macys by XXXX XX/XX/2020. I fulfilled the requirement timely, and despite multiple calls and messages to Macys XXXX  credit card dept. I haven't been awarded that promotiional perk ; 2 ) I also never received my " birthday gift, '' another promotional promise ; 3 ) Latest issue is the failure to process my payment check timely. The most recent check was mailed XXXX XXXX from my local post office. It has not been processed some 10 business days later. The last time I spoke to one of the agents, I was told that because Macys has moved much of this function off-shore, things are not the same.

No kidding. If the payment check is not processed/cleared by Monday, XXXX, it will be late and will likely incur a late fee. By comparison - a payment check I mailed to another company on XXXX XXXX from the same post office cleared today, 5 business days later. 

It seems to me that Macys XXXX  is pressuring me to pay my bill in another manner to make it more convenient/less expensive for them. 

BTW, my email inquiries have been answered by an automated message response program generated by XXXX This onion has a lot of layers and that is NOT in service to we consumers. It makes it nearly impossible to get assistance or a comprehensible reply, let alone timely resolution.

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