vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
First Citizens bank ran a promotion back in XX/XX/2020 for new customers to qualify for a {$300.00} bonus upon meeting certain requirements detailed below Earn {$300.00} when you open a Free checking account bundle and complete the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening - Enroll in eStatements - Open a new savings account I can confirm that I opened both checking and a savings account with them on XX/XX/2020 and have met the requirements to qualify for the bonus by receiving deposits of {$1000.00} through direct deposit from my employer. After following up with the bank a few times about the bonus, they have not yet credited the bonus and denied crediting it. I believe I am entitled to receiving the bonus based on the terms listed and need your help in this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Personal statement : checking my credit for a store card application I realize that tere were accounts in my credit that are not mine. These accounts were opened without my knowledge, also back in XX/XX/2020 my debit card and my XXXX XXXXXXXX credit car account were clone and illegal charges were placed in these accounts, I called the banks and XXXX XXXX. They proceeded to cancel these cards numbers an reissued new cards. Please note these for future issues, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2020 I downloaded the Belk.com app on my cell phone to make making payments more convenient. When I entered my information the app told me what I entered was invalid. I knew it was not because I use the same information to log into the website both on my phone and on my laptop. I clicked the 'forgot user name/ password ' option and the app asked me for my name and phone number. When I provided JUST my name and phone numnber, the app immediately logged me in and informed me that I have been approved for a Mastercard. I DID NOT apply for a new credit card. 
I am in the middle of refinancing my home and know not to open any new accounts, only pay off what I have. I tried to contact Belk Reward Credit Services at XXXX and the representative I spoke with informed me that I purposefully applied for the account because I would have had to put in a Social Security Number in order to apply. I told the customer service representative I never applied for the card, I already have a Belk credit card, and I do not want another credit card due to my pending mortgage refinance. I told the representative I wanted to cancel the card to which she informed me my credit would be effected negatively again for closing the account. The representative tried to tell me all of the perks of having this new MasterCard version of the Belk card, but I told her I was not interested so I ended the call with no solution. Since I was in the Belk store at that time I found and spoke to a manager in the department store and was told that the Belk MasterCard is pre-programmed to approve current customers without the customers approval or their knowledge until it has already been processed. The manager also informed me that the new Belk MasterCard is  supposed to automatically replace any existing Belk credit cards unless the customer calls in and specifically requests this action not take place. 

The Belk card I currently have can only be used in a Belk department store or on the Belk.com website where as the new Belk MasterCard can not only be used in any Belk department store and Belk.com, but anywhere MasterCard is accepted. I DO NOT want this credit card, I never requested a new card of any kind. This was a very deceitful action made by both Belk and MasterCard to their customers. Other customers also need to be made aware of this issue so this does not happen to others. 

I would like the Belk MasterCard to be taken off my credit entirely and my score restored to what it was before the inquiry, as if it never happened.

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 2020-08-17 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX I took a position overseas in XXXX XXXX with the XXXX XXXX. I disconnected my cable service, turned in the equipment and settled my final bill because I was going to be gone for a minimum of 2 years. 

After I returned to the states in XX/XX/XXXX and wanted to reconnect my cable service, I was told I owed $ XXXX which is now {$190.00}. I refused to pay it because I had a {$0.00} balance when I left. I have no receipt of payment. My extensive credit report shows that I have never been late or had any negative report on my credit report yet the credit bureaus and XXXX refuse to correct the error and almost yearly ding my credit report and bring my score down as well as cause tremendous stress. 

The account is currently in collections and as recent as yesterday have ding my credit report again. I refuse to pay this bill because I simply was out of the Country working for the XXXX XXXX during the period when I allegedly owed the bill. They are also very aware that the account was disconnected in XXXX XXXX which is consistent with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC assumed all financial and legal responsibilities for a XXXX XXXX Carriage Manor Doublewide mobile home ( vin # XXXX & XXXX ). This mobile home was in my name XXXX XXXX, with XXXX mortgage was the leinholder ( acct # XXXX ). All paperwork was signed and the transaction complete. My 1st notice of problems with this transaction came in XX/XX/XXXX. Upon notification of a XXXX point decline in my credit score. Further investigation led me to contacting the reporting delinquent company was XXXX lending. I was told the account XXXX was solely in my name that XXXX XXXX was no where on the paperwork as owner/responsible party. At the time the account was 3 months delinquent causing the direct decline in my current credit score. XXXX was contact by me to inquire as to why this property had not been transferred out of my name and into their company 's or LLC. I Spoke to a " XXXX '' who assured me this was an oversight and would be rectified and followed up with an email stating those months that had been late, but the payments had been made bringing the account to current status. She assured me via phone conversation, her company would be working with the lending company to restore my credit standing. That did not happen, I was at the mercy of both these companies. I felt I had no other recourse but to continue to maintain current on time payments on all other credit accounts to slowly rebuild my score back to the normal XXXX. 
Upon applying for a homeowner 's loan today, I have been confronted with the exact same problem only now the loan on the mobile home has been purchased by ShellPoint MTG who are currently reporting delinquency to the credit bureau negatively affecting my score in which ultimately reflected in my DENIAL for a homeowner 's loan. ShellPoint explained in almost the exact wording of XXXX ; this loan is solely in my name no other company listed as the responsible party. My name, but XXXX XXXX XXXX XXXX XXXX mailing information. Per the ShellPoint rep ( XXXX XXXX ) XX/XX/XXXX payment was made on XX/XX/XXXX exactly 39 days late, XXXX payment has not posted making XXXX payment 17 days late. My credit score has gone from XXXX to XXXX and now currently at XXXX due to the negligance of the company. I attempted to speak with XXXX Discount in reference to this matter, I was told once again by " XXXX '' all payments were made and made on time and that she did not know why this was still an issue. 
I'm looking to resolve this complaint with the transferral of this property out of my name and a complete restoration to my credit. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I had to file a previous complaint to get Freedom Mortgage to address a previous payment issue. When addressing that issue they created another issue. They now say I owe a late fee of {$27.00}. If anyone is owed a late fee it is me. They refused to apply a payment made for at least 4 months. I have no idea why they now say I owe a late fee. I have called several times and no one understands what is going on. They say the manager will call back, but they never do.

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 2020-08-17 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: DISCOVER BANK
State: WA

Complaint narrative:
In XXXX, XXXX I contacted Discover about goods/services never received that I'd paid for using Discover. I stated I'd never placed a dispute before and didn't know what to do. The agent subsequently pushed disputes through for these charges : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$6800.00} XX/XX/XXXX : {$10000.00} The Merchant received confirmation of the disputes and promptly called me freaking out and said he would be suing me if I didn't overturn the disputes. I contacted Discover and asked for help - asked specifically if the disputes could be put on hold or what my recourse could be if he didn't follow through with completing the work on my house. Payments were for installation of windows, a back door, and new siding on my home. Discover overturned the disputes when the Merchant said he would complete the work, and I never heard from him again. I contacted Discover again to note that he hadn't come to do the work and I'd subsequently received a notice in XX/XX/XXXX of him intending to file for bankruptcy. Discover has repeatedly said there's nothing they can do to help me and there's no way to dispute a charge a second time. I am under the impression they could do a chargeback, but they are stating that isn't possible and even though I've provided documentation the work wasn't ever completed and an email from the Merchant directly stating he won't be doing the work on my home - they are still maintaining there's nothing they can do. 

It was never communicated to me that I would not be able to dispute these charges again. 

In total, I paid $ XXXX to this Merchant, XXXX of it with Discover. Discover has blatantly refused to help. ADDITIONALLY - Discover  has now deleted some evidence from my account of messages I sent stating specifically I'd never disputed anything before and didn't know what the process was. They are falsifying evidence to support their refusal to process the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
had a Chase Credit Card product-Marriott Bonvoy Boundless-Visa and closed this account with a Chase Representative on XX/XX/XXXX by phone-effective immediately ( whose name was XXXX XXXX XXXX ). XXXX assured me my Boundless card was immediately closed on XX/XX/XXXX In conversation with this agent the option of another credit Chase card product was discussed- Marriott Bonvoy Bold Credit Card was available to me. 
Based on that I terminated my. Marriott Bonvoy Boundless on XXXX and applied on line XX/XX/XXXX for the Marriott Bonvoy Bold Credit Card. Although I requested written documentation of the Boundless card I never rcv 'd it. Starting on XX/XX/XXXX at XXXX ; XXXX XXXX  I started receiving e mails from Chase ( see attached ) that I was due for a balance transfer from the closed ( Boundless ) card. On XX/XX/XXXX I applied on line for a new Marriott Bonvoy Bold Credit Card and rcv 'd written notification that my request was being processed. 
On XX/XX/XXXX I rcv 'd a written letter dated XX/XX/XXXX that I was denied a Marriott Bonvoy Boundless credit card because Chase claimed that the Boundless card WAS NEVER CLOSED and I still had a Marriott Bonvoy credit card=see attached. In other words Chase failed to accurately update its credit card closings and Chase 's failure resulted in me being denied a credit card and its negligent failure has resulted in damage to my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested a credit line increase. I have had my account for over 3 years. All payments have been on time. My credit utilization is 2 %, my credit score is XXXX. I was denied an increase because the recent usage of this account 's existing credit line is too low. I received notification via correspondence explaining the denial reason. It is not a reason given in their form letter. i am disputing this rejection, I believe it is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: TX

Complaint narrative:
I applied for a AAA visa credit issued by bank of america in XX/XX/2020. I never received a decline letter from them. I was called by representative to provide further information and that they would get back to me. They never gave a reason as to why I was not approved. Furthermore, three other family attempted to apply for the same credit card and they were all given denials without a reason. I feel as if bank of america is unfairly denying myself and family members from the same household without a reason. 

I would like a fair reason as to why I am getting denied from this product. 

application number : 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 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/XXXX I called Merchants Credit Group, asked for a supervisor and spoke to Mr. XXXX. Mr. XXXX stated that both he and Merchants Credit Group are neither aware nor associated with the account number XXXX thats reporting to the credit bureaus. Mr. XXXX stated that the only accounts that he can locate are XXXX, XXXX, XXXX & XXXX. Mr. XXXX stated he could not disclose any more info on what type of debt, etc and Hung up. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they have the wrong individual, to correct their records and cease all collection activities. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating Im disputing the debt AND requesting validation of the debt. 
Merchants Credit Guide failed to validate the debt within 30 days by law. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they are now in violation of the FCPDA and that Im requesting validation a second time before taking legal action. 
I spoke to Mr. XXXX again on XX/XX/XXXX stating that the so called account/accounts NEED to be ceased due to failure of validation. Mr. XXXX stated he could not assist me and hung up. 
Merchants Credit Group received a Notice of Intent To File Lawsuit on XX/XX/XXXX stating that if the account/accounts are not deleted by Friday, XX/XX/XXXX, I will be filing a lawsuit for multiple violations. 
As of XXXX, the account/accounts are still open according to a rep at Merchants Credit Group who refused to provide me with their name, refused to connect me to a supervisor and hung up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Starting on XX/XX/XXXX I started making Principal only Payments to date {$33000.00} in Principal Only payments, every single payment I write them and need to tell them that the payments have been set-up to be Principal only as I have been making extra payments for a while and they had me paid through XX/XX/XXXX as of XX/XX/XXXX. Yet every time they treat it like a regular payment they now have me paid through XX/XX/XXXX, even when I changed from making {$500.00} principal only to {$1000.00} principal only which they treat like 2 regular payments. I have written numerous times on this and don't feel I should have to on every one, I make payments through my bank and have the account # labeled with the number and Principal Only

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Nelson Cruz & Associates LLC
State: TN

Complaint narrative:
My family and I keep getting harassed by the same agency. I dont owe them money. Never have. I need them to leave me alone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2020-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Sometime between XXXX and XX/XX/2019 I went to make a large purchase, they ran my credit and it was brought to my attention that " XXXX XXXX '' or " XXXX XXXX XXXX '' put a $ XXXX collections account on my credit file, stating that the account was opened in XX/XX/2019. During which time I did not live in the state of Minnesota. I have not, to date, received ANY correspondences regarding this alleged debt owed. Between XX/XX/2019 and Present, the amount owed mysteriously changed from $ XXXX to now showing as $ XXXX. In XX/XX/2019, I filed a dispute with all three major credit bureaus, Equifax, XXXX and XXXX XXXX. Since then, XXXX XXXX and XXXX  have both investigated and determined that said account does not belong to me and have removed them from my credit files completely. To date, I am still in a back and forth battle with Equifax. They refuse to remove this inaccurate reporting from my credit file. I would like to note, I have zero collections accounts on my credit file with exceptional payment history on all open accounts. This fraudulently reported account may hinder my home buying process. Please advise.

Company response to consumer: Closed with explanation