vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
False amounts

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 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MI

Complaint narrative:
On today, XX/XX/2020, at approximately XXXX, I tried to cash a check at a XXXX store in XXXX , MI. The check would not go through so they called the check cashing system and the check was denied due to being over limit-. 

I called the banking customer service number at XXXX, and let the representative know that I was at the check out and wanted to know if they could provide a authorization code for the check to be processed. She put me on hold and said she talked to a supervisor who told her to document the call. She never tried to find out if she could do an authorization. She never tried to help with answering the question, she just kept me on hold while she made notes in the system. I was not able to cash the check and was not told why by the representative and not offered any help in getting it cashed. 

On XX/XX/2020, I ordered a replacement debit card by rush overnight delivery. The card never came, so I called the bank again on XX/XX/2020, and spoke with XXXX, a supervisor, ID # XXXX, with their online banking department. I was told ( via a recorded call ) that the card would not be sent because when it was ordered the system chose my alternate mailing address which is a PO Box . I was told by XXXX that they can not send debit cards to PO boxes. XXXX told me that he would get in touch with the team that orders the replacement debit cards. He put me on hold and a few minutes later I was disconnected from the call. 

When I called right back, the toll-free number for the bank XXXX was transferred to a automated message for XXXX wireless instead of BBVA bank. They probably kept me on hold so they could block my number and have my calls sent to the automated message system at StraightTalk wireless. 

The issue with the debit card is relevant because without an active debit card on file I am not able to cash checks, change my phone number, update the address or do any other banking transactions. 

So for the bank not to get this resolved is highly irresponsible. They are doing everything possible to hinder me from accessing my account, making changes, or spending the money. I believe that there is a third party involved that may be linked to XXXX XXXX and/or the current Trump administration due to ongoing XXXX attacks I have been subjected to by the current POTUS administration. He is trying to score points with his XXXX base by harassing me. Not only have they been sending federal agents out to democratic cities across the nation, but they have been unlawfully monitoring my bank account, phone numbers and sent FBI to spy on me while I was in the hotel, use neighbors to spy and harass me electronically and they may have unlawfully put a tracking device on my vehicle so they can follow me throughout the city.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I phoned TJX Mastercard in XX/XX/2020, due to an expected unemployment in the household, which caused a financial hardship to postpone payments. I checked my bank account in XX/XX/2020, and the credit card company withdrew the funds from my account. The credit card company did not honor the deferral of payments. So, on XX/XX/2020, TJX Mastercard informed me they would defer the payment for three months ( XXXX, XXXX, and XX/XX/2020 ) for my inconvenience. On XX/XX/2020, around XXXX I received an email stating my payment was missed for the month of XX/XX/2020 and I was late being charged a late fee. 

My complaint is they didn't honor their word of the deferral of ninety days with no payments, in addition I was charged a late fee. When I asked if they would honor skipping this months payment I was told " Sorry there are no more deferrals. ''

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 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I attempted to use my Capital one credit card in XX/XX/XXXX and spoke with an agent who advised me my card was expired. A replacement card was sent then which I never received. 

I called again in XXXX to ask where this replacement card was and agent assured me it would be resent. 

It is now XX/XX/XXXX and I have yet to receive this replacement card. I received an email stating my account is to be closed on XX/XX/XXXX because of inactivity. I can only assume my card was sent to the incorrect address multiple times. Now my account is being closed because I did not use a card I NEVER RECEIVED. 

Upon speaking with a capital one supervisor on XX/XX/XXXX I was advised even though the account is being closed on XX/XX/XXXX it can not be reversed. I was unable to use my card due to Capital Ones error in mailing my card to incorrect places so they should correct this issue caused by their own error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XX/XX/2014, I discovered my mortgage principal debt was overstated originally by XXXX, while trying to sell my home. My mortgage servicer, Nationstar was notified, but refused to correct the over statement of principal, failed to refund me principal but interest Nationstar over collected on top of additional amounts of undisclosed increased interest caused by Natiosntar. 

Nationstar filed and unlitigated petition for foreclosure, to charge unearned fees. 

Nationstar accepted an over payment XX/XX/2014 and is currently refusing to apply the full payment leaving 9 outstanding unearned advance fees without payment applied, and refusing to refund a remaining amount of equity retained by Nationstar of {$2400.00}, to which is and has caused 3 years of inaccurate credit reporting that Nationstar refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Reviewed credit report and noticed I had a collection from Jefferson Capital. contacted them to see what it was for and they said it was for XXXX and I told them I didn't have XXXX so therefore I was not going to pay for something I have not used. They kept on insisting that I should pay them and also tried to drop down the amount but again I'm not going to pay what I don't owe. They can't give me documentation and also when I dispute it nothing happens. I don't think it's fair that I have to be going through this until the year 2023. Can you please help me with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a Chase checking account on XX/XX/2020, I downloaded the XXXX app to login to my account, I then received an error that stated my account is locked and I need to call to get it unlocked. So I called about XXXX CST, the representative I spoke to was very rude, she put me on over 10 minute hold. She then came back and stated that I have to open a new account. While she put me on another hold, I attempted to go online to open a new account like she stated, however, it said I already had an account was not able to open a new account. She stated that someone in the back office shut my account down, no reason was provided. So I then spoke to a supervisor who was unhelpful and said that this account is locked and will close in 26 days. I had absolutely horrible experience with Chase Bank and the way their representatives lie to customers over the phone and are very hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NY

Complaint narrative:
I contacted American Express on XX/XX/2020 to find out about the promotional offer toward my XXXX purchases. I was told there was no promotional offer. I referred to the American Express offer for the XXXX XXXX XXXX XXXX and I was told that it was declined for me because I had received too many promotions. It was further stated that a letter was mailed to me stating that I was not receiving the benefits. I never received a letter or an email as to the promotion being denied. Neither did the person I originally spoke with when I applied state that there would be no applicable promotion. 

I then asked about the second card, an American Express Cash Magnet Card and was told the benefits for that card were also declined. When I then spoke with a supervisor, he was very empathetic and said he will send my application for review and he was sure this would be corrected. 

I then made a second call to inquire about the APR and since that was one of the benefits, that too was declined. I then spoke with another supervisor and reiterated what the first supervisor stated and he said that was not a true statement, that nothing could be done, and none of the promotions including the APR did not apply to my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
The company dont review the attached letter I receive from them. They sent a letter advertising that the charge of overdraft is {$0.00}. They are rascals. Are thefting money from my account before sending a letter advertising that the charge is {$0.00}. They sended a letter without descriptions of the charges. Charged are described as balance cobrado a poor quality statement. Transactions undescribed. A XXXX of response have made these rascals. Read my evidende. Rascals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
XX/XX/2020 Checksmart Store # XXXX. {$3000.00} Installment loan approved by corporate. XX/XX/2020 had visited the store, the representative kept saying you will be denied for a larger loan but will qualify for {$1000.00}. When entering XX/XX/2020 another representative had received approval larger amount I was in shock, yet delighted. I had chose to go with an installment loan under impression I no longer had obligations on my vehicle a closer look at this paperwork revealed it is a much larger registration loan and states I could be charged criminally for non payment. I have made one payment already, I tried to inquire at the store for options on how to lower my monthly payment was advised to call corporate talk to the title loan department and advise them it is an installment loan. I already have a loan with XXXX XXXX on this car about $ XXXX outstanding, don't see how putting an interest of security on this car is of any help to Checksmart, I was advised was good customer why would I be put in a position to become bad one?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MS SERVICES LLC
State: CO

Complaint narrative:
I called someone in the office today and her name is XXXX?? Shes very rude. Also, if your company located is is the United States, why do I have to pay the debt through XXXX XXXX?? What are other ways can I pay??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Experian deleted my XXXX  current but negative paid/closed most recent XXXX XXXX account on XX/XX/2020 without any reason to have done so and refused to contact XXXX   XXXX to have the paid/closed and current account reinstated so that I could buy another home between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I discovered through a FACTA credit report for Experian that an unknown social security was listed under my credit file and name, and Experian 's XXXX XXXX from Consumer Affairs, in the face of clear evidence, claimed he didn't see it and would not investigate this inaccurate identifier in my credit file, so that I may apply for a mortgage.

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX of this year Discover Financial did an unauthorize Hard Inquiry towards my credit resulting in the lowering of my credit score.  During that time my spouse did apply for a loan by herself only and as the sole applicant. XXXX XXXX her contact person for Discover said that due to her applying for a loan that they have to pull my credit also, which i strongly disagree with. Bottom line now is that they refused to remove the inquiry and that is why I'm asking for your help to intervene and make them remove the inquiry on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 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: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
My accounts were hacked and my bank accounts emptied I had to put a freeze on my account to try to recover the money and during that time had no access to funds. I sent a letter to all parties involved letting them know that my bank was frozen between XX/XX/XXXX and XX/XX/XXXX making payments late due to fraudulent activity. They have not yet changed my credit information to reflect the fraud and are still reporting me late causing my credit score to go down. I cant get them to fix the problem its as if theyre not understanding what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I got a hard inquiry from Onemain Financial today that was not requested and their records show no inquiry but my credit score dropped XXXX points and shows a hard inquiry from them on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
I am trying to contact Ford Motor Credit. I have an account with them. Account information is : ACCOUNT NUMBER : XXXX, MAKE AND MODEL : XXXX XXXX XXXX, OPENED ON XX/XX/2019, HOGHEST BALANCE {$11000.00}. I have been turned down from several lines of credit because of their error. 

They are reporting a late payment pn XX/XX/2019, which is not accurate. 

They are being negligent, unfair, and also they have failed to investigate my dispute that was sent back on XX/XX/XXXX. 

I am opened to discuss this with Ford, rather by email. 

Please send the attached documentation to Ford Motor Credit. 

Thank you, CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: MI

Complaint narrative:
These text copies are from Western Union Netspend ( XXXX ). 
1.Welcome to your new Western Union Netspend card ending in XXXX. Your card is now activated. 
2.This confirms the block has been removed from your Western Union Netspend card . You may use it immediately.

3.Your balance is $ XXXXWestern Union Netspend : {$410.00} available after {$260.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs 4.Western Union Netspend : {$780.00} available after {$780.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs The complaint is concerning not possessing this card ending XXXX. 
Please help me by blocking withdrawals and any other protection against fraud and scam. 
Thanks again for your advice through this website article. 
Truly yours in expression,

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 2020-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX   1, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation