vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have filed a complaint on numerous occasions against XXXX XXXX with equifax. The account shows to be opened and XXXX XXXX is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by XXXX XXXX  in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call XXXX XXXX they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact equifax. Equifax stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had the medical name XXXX XXXX claiming, i owe them lab bill which was from last year XX/XX/2019 meanwhile they have my XXXX info through the doctor office call the XXXX  office said i was cover time of the test period.I ask maidcaid office to give me a proof of coverage they want XXXX XXXX to bill them so they can pay. I am including XXXX card for billing XXXX XXXX refuse to do that. I tried many attempts but they being hard on me instead helping me i need these collections to be remove from my credit file which are result of incorrect billing error adding " CCS '' File Numbers File number XXXX in amount of {$400.00} File Number XXXX in amount of {$570.00} '

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have BBVA Visa Card one year and 2 month. Bad news, BBVA Visa replaced the card fourth time due to my card compromised three time with 14 month period. BBVA Visa someone inside leakage my information to third party and its charged in my account. I live in XXXX XXXX XXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that. 
When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid XXXX. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$37.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CORELOGIC INC
State: FL

Complaint narrative:
The following hard inquiries should be removed from my credit report : XXXX XXXX from XXXX XXXX. Credco from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.

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 2020-11-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am anxious to pay off this loan and have contacted them several times requesting payoff information. My requests have been ignored and no one has bothered to supply information to me. I dont want to keep paying interest on this loan for more days than today. I want to pay off and be done with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I was charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP
State: DC

Complaint narrative:
The complaint contains multiple issues from what is advertised on the card overview, to the card fee schedule, to information provided by customer service. 

1- Customer Service stated that the card allowed 2 - Online transfers for free per month to a personal checking account, with a maximum of {$2500.00} per day. Attempting to make that transfer the maximum amount allowed was {$2000.00}. 

2- Fee Schedule ( Maximum ) website states the following, in contrast to the Fee Schedule and Cardholder Agreement on the same page : Maximum Daily Debits- 20 transactions and {$2000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$1500.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$1500.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month The Fee Schedule / Card Agreement states : Maximum Daily Debits- 20 transactions and {$6000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$4000.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$5000.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month

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 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I keep getting calls from debt collectors for a XXXX XXXX. This has been going on for at least a year. Each time I tell them I do not know this person and to please take my phone number off their list and the the list of the person that hired them. Each time they tell me that they can only take me off of their list. Today I got a call from Comenity Bank. I asked them to take me off the list and also to have me taken off the entities list that hired them. It appears that Comenity is the lender that the debt is owed to but they could still not guarantee that I will not get calls from any one else even when I asked to have my number taken off any one they have hired to collect this debt. All I want is for the calls to stop but they could not commit to doing that or give me any information on how to get it stopped. 
Latest call was today XX/XX/XXXX at XXXX. The supervisor I spoke to was XXXX. He would not give me a last name or a direct number to call him back on. He wouldn't answer any of my questions about whether or not they were the source lender or the nature of the call. Said it was against the law. Every one kept repeating that. I asked XXXX to cite the law and he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Credit Plus Inc
State: FL

Complaint narrative:
The following hard inquiries should be removed from my credit report : Credit Plus from XXXX XXXX. XXXX from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XX/XX/20 want to refinance my home for a cheaper interest rate since I've been Flagstar Bank mortgages-XX/XX/20 still haven't closed I've done All of my part submitting paperwork/checkstubs 2 twice now ... Paid for an appraisal in XXXX XXXX20. 

Now advise No longer want to refinance as I'm going with another lender at a cheaper interest rate to boot! better than my own mortgage company. 
I don't want to pay for another appraisal since can use this one but must be within 120 days ... 
XX/XX/20 asked for my appraisal to be transferred over to my new lender-5 times I sent written requests, asked to speak to my lender 's supervisor whom I have now left 6 messages to call me all no No avail,,, Asked for his supervisor/district or regional manger-spoke to one supervisor who advise that supervisor would call me back once off his current call ... I got No call yet!!!!!!! 

Help transfer my appraisal & loan over!! GUH!!!!!!! Months of frustrating ...

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am an XXXX XXXX  from XXXX  XXXX XXXX XXXX XXXX, which lived in XXXX, Maryland. The thing is that M & T bank closed my account without any powerful reasons and put me on their blacklist for no reason when I was trying to start a new account. I was told that my account was closed in XXXX, and I went to the local branch as soon as possible to ask for help, the representative told me they will help me to build a new account but I need to make an appointment on the phone call. After making an appointment I went there in XXXX. When the representative found my account was closed, she said I will be not permitted to apply for any M & T bank services any more in my whole life. After I left I just have something want to ask, such as what about the online application account, and why my account was closed and so on. So I decided to go back there to ask for the questions one more time. However, when I walked into the bank, a bank stuff who was standing on the front desk drove me out because she said the representative need to eat dinner. She said that I can go back to ask for help after 20 mins later. I listened to her and went outside to wait for the permission. At that time, I saw different customers entering into the bank. They can be treated as normal customers but only expect me, a XXXX? 10 mins later on, the XXXX woman who worked in the front desk went outside, then she drove me out rudely. She interrupted my words several times and carried off the representatives name card which she gave me before. She warned me You will not be permitted to enter into this bank any more forever, go to find another bank do you need recommendations? You even can not stand outside of this bank. I was really shocked because I am just a XXXX  and dont do any suspicious activity on my money account. My money transaction history is only for my daily life fee and rent fee. 
In conclusion, I want to report for two things : the first is that why the bank can close someones account without any reasons even for an unblemished M & T bank account record. The second thing is for the racism for bank stuffs. They drove me out and treated me like a dangerous fraudster without any proofs, and treated me different from other American customers. The address of this M & T bank is XXXX XXXX XXXX XXXX, XXXX MD 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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have a " Care Credit '' account through Synchrony Bank. I ONLY have access via their website since I do not receive paper statements and I do not maintain phone service. The only way I have to access my statements, transactions and to make payments is via their website. The problem is that they are now blocking my access to my account. They refuse to let me access it unless I give them updated personal information they have no right to know. Let me make this clear, this is not information to verify my identity, there is no question of that. This is them wanting personal information so they can sell it to other companies. They are literally holding my account hostage unless I provide them with a multitude of sensitive personal data. Just a few examples are my income, my marital status, my sexual orientation, and my number of dependents. They're also demanding access to my bank account to they can examine my spending habits. They are not entitled to ANY of this information, I would be a fool to give it. If I continue to refuse I will be late in making my payments and they will begin assessing fees even though they are blocking me from making said payments.

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 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have BBVA Visa Card one year and 2 month. and wife have individual card in her name from BBVA VISA card, Bad news, BBVA Visa replaced the card fourth time due to my wife card compromised three time within 14 month period .and my account its issued second time.

BBVA Visa someone inside leakage our information to third party and its charged. 
We live in XXXX XXXX XXXXXXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that.

When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid 0.00. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$42.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: UNITED MORTGAGE CORP
State: NY

Complaint narrative:
Im writing this to you to explain to you what a horrific experience I just had with United Mortgage. It started back in XXXX when the seller accepted mine and my boyfriends offer. We decided to do an FHA loan because needed to do renovations on the house. During this whole process we encountered the mortgage guy stealing from us and not even doing his job and processing our mortgage. Everytime we would ask about it he would said everything is okay or everything is moving along. We later come to find out that he had stolen money from us and nothing was getting done. We had a specific time frame in when things needed to be done. When things didnt start adding up and we kept sending over the same papers that we had already completed, i started to look further into this. Then out of no where they assigned someone else to our file and still nothing was getting done. I found out that our mortgage was fired and no one even told us about that or what was happening with our file. No one in that company helped us at all. We kept getting switched to different people and not one of them helped us or apologized for what was going on. I brought up the money being stolen from us from a pre-aprisel feel that was not even something that we should have paid for. When i brought that to their attention they did nothing about that but just said that was illegal what he did, but nothing was done about it. So the time was coming closer to our closing date And nothing was being processed or taken care of. The seller said that we wouldnt be able to get another extension if they werent able to fix this. I was then devastated bc this hope we wanted so badly and we did everything on our part to make sure this would happen. We then got a phone saying they terminated our deal and we lost the house with no remorse or sympathy for what they just put us through. Also trying to get InTouch with them was another nightmare. We spent {$900.00} for an inspection, {$670.00} for a title search and {$440.00} for a land survey plus paying a lawyer {$500.00} and we didnt even get the house. The amount of incompetence and unprofessionalism we experienced was beyond anything I have ever seen or dealt with in my life. Im writing this because I want someone to hear my story because how we were treated and lied to no one should ever ever have to deal with. I want people to know that this company is by far the worst and people should not be using them if they actually want to get a house.

Company response to consumer: Closed with monetary relief