vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-04 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XXXX XXXX, 2018, I applied for the American Express Gold Delta SkyMiles credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service - they confirmed I was on track to receive the bonus miles. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse '' but keep refusing to issue me the bonus miles after I have met the posted requirements. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market.

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually NOT eligible AFTER they have met the requirements. I don't know if Amex is doing this on purpose. If they are, it looks 100 % fraud to me.

From the referral link I received from my friend, Amex posted I would receive XXXX Delta SkyMiles after I spent {$3000.00} in the first four months. I have not received any of these mile so far - I have went far beyond the spending requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I purchased a camera lens for {$860.00} that was falsely advertised from XXXX XXXX using a XXXX XXXX credit card through PayPal on XX/XX/18. Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX to resolve my issue with the falsely represented product I was sold, but they did not provide an acceptable solution On XX/XX/XXXX, I called XXXX XXXX, and they recommended that I open a dispute claim through PayPal, and I did. On XX/XX/XXXX, PayPal informed me I would be eligible for a refund if I returned the item before XX/XX/XXXX, but I would have to pay for return shipping and may be eligible for reimbursement. When I called PayPal and told them this was not satisfactory, and I wanted shipping paid upfront by seller, they suggested I open a claim with XXXX XXXX, which I did. XXXX XXXX opened up a dispute claim and requested a number of documents to support my claim, which I forwarded on a number of occasions from the end of XXXX to early XXXX. During this time I reached an agreement with the seller in which it provided shipping cost upfront, and I returned the lens -- seller confirmed receipt on XX/XX/XXXX. However, both PayPal and XXXX XXXX are refusing to give me a refund. XXXX XXXX claims I did not provide requested documentation, which is irrelevant not that the item is returned, but also will not provide anything in writing to explain how my submissions were insufficient or how that relates to their refusal to refund my money after returning the merchandise. PayPal refuses to do anything without notification from XXXX XXXX that the dispute is resolved, and XXXX XXXX refuses to provide such notification. One or the other or both are holding my refund and refusing to cite a valid reason to justify their refusal to refund my money after I have returned the merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX ( XXXX # XXXX  ) in XXXX AZ. Processed a debit transaction of XXXX on XX/XX/XXXX, I did not authorize this transaction, when I became aware of it I called Bank of America and told them I'm disputing the charge. After multiple calls and many days of waiting for the money to be returned to my account ( BOA initially told me 2 days at most ) I sternly requested they return my money while they investigate. Today XX/XX/XXXX Without correspondence they reversed the intial credit. I called them wanting to know why and they said XXXX is not cooperating other than explaining that a pin number was used during the transaction, ( leading them to assume I indeed made the purchase ) XXXX had a case regarding this # XXXX, they will not return my calls and the number I call to speak to them had me on hold for 48 minutes without ever actually connecting to a representative. Bank of America has placated the responsibility on XXXX and They can not be contacted through the numbers listed on their own website. I've never once visited that store location but both vendor and bank say I have and since decided- to steal from me instead of actually investigating the case of fraud.

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 2019-01-04 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: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
AmSher Collection Agency continues to report to XXXX that I have an outstanding collection item with them. This was resolved in XXXX. I have disputed this with XXXX   and with AmSher, but they refuse to remove this collection account for {$980.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2018 I spoken with a representative in correlation to the amount due at the time before repossession, i offered to make a payment amount that i was willing to pay, the representative from Capital One weren't able to lower the amount and i force to pay the required amount. If not the car would be repossessed. As a working consumer going to work it takes me 1hr from my resident. Also having health concerns and doctors appointment it would've been fair to work with me but Capital One decline. Now i have a outstanding without a car that i can not financially pay for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TN

Complaint narrative:
I tried to push money from another bank to the BBVA bank for a new account. instead, it pulled. Tried to contact via secure message but didn't hear anything back after 3 business days. phone calls are hard because of a XXXX so secure message is the best way to talk and they refuse to answer the message

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$1400.00} was taken out of my Bank of America Acct on XX/XX/2018 from XXXX XXXX. The company contacted me and told me that my furniture was discontinued and offered me to order different furniture which I did this furniture was cheaper therefore i was suppose to be refunded the difference with in 3-5 business days and was scheduled to receive my furniture in 3 weeks I never receive a refund the company is closed and never delivered my furniture I filed a complaint with Bank of America on XX/XX/2018 and waited 90 days still no resolve the Bank shows they investigated on XX/XX/2018 and I had 45 more days to wait. Still no resolve Ive contacted the bank and I still have not receive my funds returned to my Acct. I paid using my Credit card/debit card connected to my checking Acct as a credit Ive been more than patient Ive  submitted receipts and if you go online it shows the company is closed. I would like my money back.

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 2019-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. 

XXXX NEEDS TO PAY OFF THIS LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because  something is terrible wrong with XXXX. 

How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I had a parent loan through XXXX. I wanted to refinance the loan to lower the interest rate. I applied through Citizens Bank and was offered a 5.25 % interest rate. Then after applying and being accepted the interest rate increased to over 6 %. They were definately bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made the purchase of a puppy on XX/XX/XXXX from a company called XXXX XXXX XXXX. I used Paypal Credit to make the payment because of their promotional offer of 6 months no interest if paid in full. I received statements that showed they were charging me interest so I called PayPal Credit 's Customer Service on XX/XX/XXXX. The first representative looked at my account and said that the payment was paid as a Cash Advance instead of a purchase and did not qualify for the promotion. I called again and asked for a supervisor. We went through the Terms and Conditions where it said that a purchase is made to a merchant at a website, by telephone, or another authorized location. The company I paid had a website so I thought I was covered. The PayPal Credit supervisor said in the definition section of the Terms and Conditions that because I had made the payment using a link provided by the merchant it was considered a Send Money transaction, not a purchase, that did not qualify for the Deferred Interest promotion. If I had made the payment directly to the website the supervisor said I would have qualified. I feel that is not a situation that a consumer could understand when reading PayPal Credit 's Terms and Conditions and the confusion created is a deliberate effort to defraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/XXXX, a letter was written by Navy Federal Credit Union stating if I paid XXXX they would settle my credit card account and stop collection processes and send a letter showing the account settled. This did not happen. XX/XX/XXXX I recieved a letter basically bait and switching me. The letter stated we did not have a settlement agreement and they still took my payment and still owe XXXX pus and they look forward to speaking to me to settle the account. Basically took my money and did not supply what was promised. A settled credit account and a letter showing this. Instead, they took my money and are making me pay off the remaining balance. I have a photocopy of the letter, which was also sent with the payment so no mistakes would happen. I'm pretty sure they thought because I sent the letter with the payment, I can not prove that's what they said. Not true. I have a copy of the settlement letter and the letter stating they basically took my money and went against their agreement. These are attached with this complaint. I also have proof of when the payment was mailed. It was tracked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I have a credit card through Wells Fargo that I had reported for fraudulent activity. The card was closed and another account was open ( as expected. ) However, I was never notified of the new account and it did not appear on my Wells Fargo account, thereby removing the option of paying my card through my Wells Fargo account. This is a direct violation of their written contract which states, " pay in mail or through your Wells Fargo account. '' I did not receive any mail notices until late XXXX, when my account had already been closed due to missed payments, which I again, were never notified about. I literally found out the account was closed due to my credit score dropping dramatically. I need help, as one man, to fight this giant, too big to fail corporation. I just want to repair my credit score, I will pay the principle and interest payments I have accrued. This is what I agreed to and I will abide by what I agreed to, unlike Wells Fargo.

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 2019-01-04 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: FL

Complaint narrative:
They are saying I owe XXXX I loans for school more than ten years ago. I was only enrolled for 1 year and it was part time. There is no way I owe 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 2019-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: DC

Complaint narrative:
Flagstar Bank began servicing my mortgage in XX/XX/2018 ( XXXX had previously serviced it ). In XX/XX/XXXX, they reviewed my escrow account and doubled the amount of mortgage insurance. I had been paying the same amount since the loan originated and there is no reason for it to increase, which they have acknowledged over the phone. However, my monthly statements now show a doubling of my mortgage insurance. 

I spent an hour on the phone and was passed from department to department. Escrow explained that it wasn't them but the PMI department. PMI noted that the insurer had not billed them regularly so some months they paid nothing and other months they paid double. I pointed out that I had been paying them monthly and there would be a credit in my escrow account to pay a doubled month. My documentation from the bank does not show when they pay a third party insurer -- it simply shows how much I pay for the insurance and it doubled in XX/XX/2018. 

One customer service representative told me that PMI occasionally resets annually to a new rate. Knowing this not to be the case, I requested documentation of the contract that states that. 

The case number Flagstar assigned for the escrow issue is XXXX. 

They are " researching '' the issue, but have yet to rectify the situation. This is being filed to document with CFPB and alert consumers in the event this is a systemic issue of overcharging and altering PMI of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Dear CFPB, I would like to let you know that this company, JPL Recovery solutions did not cease their communication. This is a new complaint I would like to file against this company. Today, XX/XX/2019, they called my workplace and it was my manager who got a call from a certain XXXX or XXXX. I have already advised this office months back that we are not allowed to have personal calls at work and they should stop calling me there. And when I called them on my lunch break the person threatened me again about wage garnishment and giving me false information that I have a debt of {$18000.00} if I fail to pay them {$1200.00}. They did the same before when I sent in my first complaint. They keep harassing me about this XXXX XXXX   loan which I made last year but this has been paid off a long time ago. I do not owe their company {$18000.00}. This kind of action is causing me anxiety and XXXX XXXX. I hope you can help me address this issue with the said company. Thank you again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was offered concert tickets on XX/XX/19 in exchange for {$30.00} via PayPal. But as soon as I transferred the $ XXXX {$2.00} service fee, the scammer blocked my account and did not deliver the tickets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just moved to the US and have a 1 month old SSN. Experian that was asked by my bank for a credit report won't provide them with any information. I also can't create an account, since I lived here for less then 6 months and for this reason they ask for my previous address, which was outside the US, while they only accept US addresses for this. Furthermore, I can't reach any human on the phone numbers that they provide, only unhelpful computer voices with a handful of choices that all want me to just go to their website and log in ( which I obviously can't do ) and then directly hang up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My. Credit report shows syncb/carecr balance of XXXX. I in no way shape or form Opened or show me my signature guys they didnt even send me one bill says opened XX/XX/2018 charge acct cancelled by credit company on XX/XX/2018. It says im 180 days late but a ) i never got so much as a birthday card llet alone a credit card and When i contacted them to know exactly what these alleged charges were for they go oh well send you itemized bills and its a month already, less then a year ago my credit score was XXXX and now cause of this something i never authorized my credoit score XXXX. 
Like im not shy about my address dont these companies verify when one applies who the XXXX is care credit? On XX/XX/XXXX new inquiry syncb industry travel/entertainment on XX/XX/XXXX new acct syncb/care credit industry : misellanous finance XXXX XXXX XXXX XXXX florida XXXX Not to mention my email XXXX is XXXX Can you do your jobs

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