vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2019 at XXXX XXXX of XXXX XXXX I reloaded my XXXX XXXX card using my Visa Gift Card Purchased from Giftcards.com issued by Blackhawk network. The XXXX XXXX reload did not go through and it prompted me to be issued a refund of {$500.00}. I accidentally put it on a different gift card that was included in my gift cards.com order. The refund went through and brought VGC 's balance to {$1000.00}. I communicated with Blackhawk throughout the process and explained the situation with them. I then provided proof of the return that included a receipt with the amount ( {$500.00} ) and the last four numbers of the VGC. They then fraud locked the card and have refused to work with me demanding proof of purchase. They refused to accept my online XXXX transaction showing the reload and instant reversal, which includes the same XXXX XXXX Store in detailed transaction overview. My name is on the VGC and I have authenticated and verified myself throughout the process but have recieved no remedy to the situation and subsequently have had my {$1000.00} held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Moria Development, Inc.
State: GA

Complaint narrative:
I began working with XXXX XXXX XXXX through the XXXX  XXXX   XXXX  Grant Program. I am an XXXX in the state of Georgia and found out about the XXXX XXXX XXXX grant program online. Once filled out the information online I was contacted by XXXX XXXX. I explained that I was looking to buy a home and wanted to take advantage of the grant that they were offering to XXXX looking to purchase in XXXX XXXX. She informed me that she wanted to do an initial mortgage pull so she could see where I was with my credit score. I consented. The score was in the mid XXXX so I worked on my credit, Payed off 5 hard inquiries and was able to get the firms who had the debt to notify the lenders, and was able to get the lenders to notify the credit Bureaus within a months time. My score went up to XXXX from what I could see on s third party company XXXX XXXX. I knew my score could be higher or lower but did not want it again until I was sure it was at its highest. XXXX XXXX, asked if I wanted her to do a second mortgage pull on my credit to see exactly where it was. I told her I did not want the credit pull to affect my score. She assured me multiple times that it would not affect my score because it was being pulled within the 45 day mortgage pull limit. Under the terms that my score would not be affected I gave consent. She did a second mortgage pull and my score went down the very next morning. I worked so hard to have it go from XXXX and her pull brought it down. I immediately called her and she said she did not know why the score went down. I informed her that I get immediate notifications and the notification I received was because their company placed a hard inquiry on my credit file when they did the credit pull. Company name XXXX XXXX. She assured me my score would not be affected. I asked her to have her company remove the hard inquiry they placed on my file and she stated they can not remove their hard inquiry from my credit file because I have consent. I then explained that I gave consent under the terms that my score would not be affected. She then said she would contact her supervisors to see what could be done. Her supervisor called me and said she spoke to her supervisor XXXX XXXX and she said they can not remove the hard inquiry that was placed in my credit file under false pretenses. I am furious that this company has taken advantage of me and my personal information. Their credit score requirement was XXXX. XXXX knew I wouldnt have reached there credit requirements and her crippled my ability to quality for other companies to assist me. Others need to be aware of there dishonest practices so they dont have the same thing happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NJ

Complaint narrative:
XXXX are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : Crelogic Credco ( XXXX  ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.

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 2019-04-02 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: NJ

Complaint narrative:
Equifax are refusing to remove the following even after being provided with documents from the companies who never had authorization. 

The following inquiries are unauthorized : Creditor : XXXX XXXX ( XXXX ) Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX : Inquiry from XX/XX/XXXX Creditor : XXXX XXXX : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX Creditor : XXXX XXXX XXXX  : Inquiry from XX/XX/XXXX and Inquiry from XX/XX/XXXX spoke with the following Supervisor name XXXX ID XXXX who informed me they will never verify or remove this and i can do all i want. 

Another Manager by the name XXXX with employee ID XXXX in their consumer affairs department also told me they will not do anything and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Security National Financial Corp
State: TX

Complaint narrative:
On XX/XX/2019 my husband and I signed a contract to close on a home on XX/XX/2019. We had been pre-approved by the lender ( SecurityNational Mortgage Co. ), signed and submitted all documentation needed to process our file, and made all payments to include : earnest money ( {$2400.00} ), appraisal fee ( {$620.00} ), option fee ( {$100.00} ), and home inspection fee ( {$320.00} ). On XX/XX/2019 at approximately XXXX XXXX, I received a text message from my loan officer stating " Hi XXXX- I am working on this but at this point your closing is going to be delayed. I am sorry to share the news, buy, I'm working hard to still get you to the finish line. Question : do either you or XXX have a family member that has a credit card that the two of you could be added as an authorized signers to in an effort to quickly generate a credit score for XXX ''. We were never told we were " denied '' what the cause of delayed closing was, and what are next steps were. We wasted over {$3500.00} of our money for this mess to happen and not only are we owed an explanation but we want our money back. I have all the emails and text messages that clearly state we are " good '', " on track '', " moving forward '' then a day before closing everything comes tumbling down and we are left in the dark. The loan office won't even give my realtor information as to what happened and why. I feel this could have all been prevented but the loan officer was on a weeks vacation the week of my closing and she did not properly handle her part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have two credit cards with Capital One since XXXX and Have been charged {$63.00} on XX/XX/XXXX, for interest charges on a XXXX XXXX card ending in XXXX which has a balance of {$3000.00} and also i have been charged {$23.00} on XX/XX/XXXX for interest charges on XXXX XXXX ending in XXXX which has a balance of {$1500.00}. I called the customer service line XXXX-XXXX-XXXX-XXXX  as their website does not have the ability to dispute interest charges or communicate online with customer service. I spoke to Manager/Supervisor XXXX ID # XXXX and she stated there was nothing she could do to reduce this high interest rate even though i have an excellent payment record and excellent credit history the interest rate of approximately 22 % on both cards. I advised that i would be filing a complaint with the CFPB an agency of the Federal Government. I consider these interest rate practices predatory and would appreciate a review of this practice from the inception of my credit cards in XXXX and am requesting a refund of all this excessive interest they have been charging on these cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
when I joined XXXX they offered a Citi credit card. I took it just for emergencies, it stays in my glove box. I always use my visa from my credit union and pay the full balance every month. On XX/XX/XXXX I received a XXXX or XXXX XXXX letter delivered to my home. It was a Citi letter saying my account was past due. I immediately called for details. I was told XXXX had automatically charged my membership renewal to the Citi card. I explained that I did not authorize the charge and had received no statements, emails or calls. The representative suggested I pay the balance and he would file a dispute to refund the charges. I gave him my checking account routing and account number. {$240.00} went to Citi from my account ( statement attached ) On XX/XX/XXXX I realized a credit had no been received, so I logged onto the Citi account to check status. Not only was there no credit, the membership renewal was charged again, with interest and late charges. I contacted XXXX to complain and they referred my complaint to Citi. They say they lost my payment. The representative XXXX asked I send the statement copy. She later called and said she had listened to the call where I made the payment and was sure it had gone thru, but I needed to get more details from my bank, which I sent to her XX/XX/XXXX. On hearing nothing back, I asked on XX/XX/XXXX via email for status. I get a call back saying they had found the payment, and credited charges. I asked if she was going to contact the credit bureaus as this had lowered my score from its normal A to C ( copy attached ). She said that they would not. So I received my latest statement, attached, and it shows the lat charges and interest refunded. If it was not a mistake and they should explain to the credit bureau, why refunds? Citi needs to restore 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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX of this year I made my XXXX payment for a XXXX ( this I admit was a few days late ) On this date I also made the payment for the next month ( Due XX/XX/XXXX ) On XX/XX/XXXX I then noticed that I was charged late fees for that month which was already made. I looked on my account and they applied my XXXX payment as a principal payment instead of toward the payment due. I emailed them and called them and they assured me it would be fixed. I then made my XXXX payment on XX/XX/XXXX ( due the XXXX ) and just saw late fees again and saw that they NEVER fixed the XXXX Payment made to a principal payment. 

Called again today and they are refusing to fix this.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear CFPB : Previous complaint : XXXX XXXX XXXX is lying to CFPB. This IS NOT RESOLVED and I'm wondering if CFPB is in bed with XXXX XXXX? 


CFPB closed this complaint and XXXX XXXX has not done what they promised. In fact, I just learned that they again submitted the fraudulent account they created to collections. As stated in complaint XXXX, Macy 's tricked me into opening a second XXXX XXXX account. I had a XXXX XXXX account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX XXXX account. They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. These people are criminals.

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 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Lender Inc
State: PA

Complaint narrative:
On XX/XX/17 I opened a self lender account- in my inquiry process they explained that I could cancel if I needed or wanted to, and that if I couldn't make a payment they would cancel the account for me prior to it damaging my credit. I canceled within a few days, and prior to the first payment. They never cancelled the account, and its showing a 90 day late on my credit report. I tried to negotiate with them, to open an account and do business if they would remove the previous, whatever it would take. 

It's still there. The premise was they help to build your credit up, but they did nothing but damage mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I met the spending requirements for a new card bonus ( Savor ) within the time required, counting the time I actually had the card. However, it was not '3 months from signing up ' as the card didn't get to me until a month after I signed up. I also had to get a second card along the way because of a ( false positive ) fraud alarm. In summary, I spent more than double the minimum spend requirement within 3 months of having the card in my possession, but it was 3 months and a few weeks since signing up online. 

First week of XXXX : I called customer service about the issue. ( I thought they resolved it, but they didn't ). I asked to speak to a manager, they were unable to resolve and told me I was speaking to the most senior person in the company I could talk to on the phone. 

XX/XX/XXXX : Emailed CEO XXXX XXXX and XXXX XXXX, Head of Card Services XX/XX/XXXX : Followed up with above after no response. 

XX/XX/XXXX : Emailed XXXX XXXX ( President, Financial services ) and XXXX XXXX ( President, Retail & Direct Bank ) with CC to XXXX XXXX XXXX Still zero responses ( from anyone ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX Is calling me and family members I am no longer in contact with constantly. This is regarding a supposed debt from XXXX XXXX from 2012, which I have disputed. There is no outstanding account from this bank on my credit report. If indeed it is something from 2012, I find it ironic that they are calling me now to collect just under the seven year deadline. XXXX XXXX is using abusive threatening language, hanging up on me when I ask for documentation, accusing me of being unintelligent, and ar overall rude. I want these calls to stop immediately and Ive asked them to stop calling my family. They refused to do so and are threatening to come to my house with legal papers. I asked them to send me something in writing, which I believe is my right and they refused to do so. They tell me I have to get a lawyer to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 90 days past due on the XXXX - partial account number XXXX. ( Please see pages 9 and 11 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation