vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a Capital1 XXXX XXXX XXXX in XX/XX/XXXX and met the stated terms and conditions to receive a {$500.00} welcome bonus ( via promo code XXXX ). However, despite telling me on XX/XX/XXXX via a recorded chat ( that they confirmed having ) that I had met the terms and would receive the bonus within 60 days, they have denied me the bonus, citing that though I did meet the terms of the deal, I did not meet their intentions and they would not be paying the bonus. 

I cycled deposits from external accounts to exceed the {$50000.00} deposit amount required to meet the conditions of the bonus XXXX terms copied here from their email advertisement on XXXX " Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. '' Capital 1 is informing me that I had to have a balance of greater than {$50000.00} in the account at XXXX point. But the terms say " deposit at least '' and not " a balance of at least. '' One agent informed me that the terms were muddied and that there is technically no reason why what I did would not have qualified me for the offer, but that they were not going to pay it out because their legal and risk team had reviewed it and told them not to pay it. 

I feel taken advantage of by a big company with a legal team that is openly stating that I met the terms and conditions, but not their intentions, and that therefore they would not stand behind their terms and conditions. Additionally, they verified that a chat agent told me I would receive the bonus ( at a time when I still had 20 more days to do something different to meet the terms if they told me at that point I had not met them ). 

I have written documentation via email, time stamps for phone conversations, and other documents for all of this even confirmed via Capital 1, but they will not honor their terms and conditions. 

Phone Conversations were initiated on XX/XX/XXXX at approx XXXX -- ET, with specific remarks in question between XXXX ET and my final conversation with a representative named XXXX on XX/XX/XXXX at approx XXXX -- ET. 

My reference ID for this case via XXXX is : XXXX A similar, but less detailed complaint also will be submitted on behalf of my spouse. Because of issues with my account, we have not tried as much to get it paid, but have been denied it still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: PA

Complaint narrative:
On XXXX, a potential employer asked to do a background check on me. I had nothing to hide so I approved it. It came back and showed information about potential criminal activity in another state that I have never visited or lived in. The company that did the background check was Sterling Talent Solutions. I spoke with them and they couldn't answer any questions for me. I spoke to XXXX and said my account is temporarily suspended and will be closed permanently on XX/XX/XXXX because of this. Now I was never in Arizona. I don't know what this means. And now XXXX is preventing me from getting jobs because of something I DID NOT do. The information they have is INCORRECT! I don't know what to do. I need to clear my 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 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: IL

Complaint narrative:
XXXX XXXX failed to make the payment to my homeowners insurance company. They lied about making the payment and when it was sent out.They have increased my mortgage payment substantially twice, within 2 months, with no notice or explanation. Calls to customer service result in representatives telling me I will receive something in the mail or that my account has not yet been updated to display the accurate disclosures. XXXX has not properly disclosed its practices as required by the regulations and is making misleading statements to conceal its practices, resulting in consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX ; I attempted to get my online annual credit report from Equifax, and they denied my request. They ask 4 questions to prove my identity, but obviously there must be some false info on my credit file about my opening an account in XXXX ; which I did not. So now they will not let me see my credit report to check if the info is correct, I tried the phone number, but they said that I am not qualified to get a free credit report even though I have been recently denied credit. What a scam, they harbor false info about me me then they block me from being able to check, which prevents me from correcting it. They should be subject to huge fines for this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: FACTUAL DATA CORP.
State: NY

Complaint narrative:
On XX/XX/2019 I received a call and email from my mortgage provider/service provider XXXX Mortgage ( XXXX XXXX ) to refinance. I said i am not interested. The next day XX/XX/2019 at around XXXX am I received another call from a different rep. I can not talk they should call me back, soon after that they ran a credit check. When I contacted the company they told me that i gave consent because when I told Him he should call me back he said I will call you back at XXXX I am going to pull up an updated mortgage statement and a credit check and I answered OK which literally meant OK you can call me back. 

Where was my signature? They want me to take a NEW loan, which mean it is a new business relationship and it has nothing with my old load they would need to have written consent. 

I believe it was a fraud, i told them I don't want to refinance, so they sent a more aggressive agent, when he called I said I can not talk, which I couldn't then he mentioned some words which you can guess i wasn't listening because I couldn't talk that time. Now they say I gave consent. I think it is ridiculous and my credit check should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, Chase agreed to remove the information on my account. However in XX/XX/XXXXthey hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XX/XX/XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have called Portfolio Recovery numerous times to stop calling me. They are looking for someone else. They repeatedly call, threaten, etc. They even started calling my place of employment looking for someone else. When ever I call them to tell them to remove the number that it is wrong, they get nasty and hang up on me, forcing me to have to call back and give them the other 3 numbers that they are calling. This is happening on a daily basis before XXXX, every 15 min or so on my cell phone, then they call my place of employment multiple times per day and fill up my voice mail with silence. If I answer the call I get silence. This has to stop. I have sent a written cease-and decist, even threatened to sue them all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: CT

Complaint narrative:
I don't know if these practices are legal, per say, but I wanted to make someone aware. I made a purchase from XXXX XXXX XXXX XXXX in XXXX XXXX, CT. They outsource their financing " promotion '' through American First Finance and that is the company I am complaining about. The offer was to purchase a mattress with no payments for 60 days and no interest for the first 6 months. It wasnt until after signing up did we find out there was a {$50.00} early payoff fee ( on top of the {$50.00} for applying for this service ). When going online to make payments, there was no easy option to do so. They do not let you remove or edit your account information ; only add new accounts. They also had prescheduled payments through the end of the year ( XX/XX/XXXX ) without my permission, to be automatically debited from my account. This would put me way past the 6 month " no interest '' time frame, and I had not option to change or remove. I made a {$75.00} payment on XX/XX/XXXX and the website gave the option of counting towards your next scheduled payment or not. I chose to count towards my next scheduled payment and the website populated a next auto-debit date of XX/XX/XXXX ( {$24.00} ). They then debited my checking account on XX/XX/XXXX without my permission. Attempts to rectify with them were useless. I decided to just pay off the remaining {$160.00} balance and any fees. They accepted my payoff, deactivated my online account immediately ( not sure why ) and then emailed a reciept of payoff. Two days later they debited a different account that was used in determining my credit qualifications, over {$500.00}. I called and they confirmed they debited in error and do not know where this amount came from since my balance was only {$160.00}. They said they would return the funds in 7-10 business days. In the meantime, my account is incurring late fees. This is the worst finance company I have ever dealt with and I am concerned that they still have my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have perfect credit until someone used my XXXX card fraudulently. They charged {$270.00} and the bill was sent to a different address prior address. I had not used this card since XX/XX/2016. These charges showed up and have been proven by XXXX as fraud. They will not supply me a letter removing the 1 30 day late, 1 60 day late and 3 90+ day lates or a letter stating XXXX balnce. This has crippled my credit score and causing me delay in purchasing a home that is closing at the end of the XX/XX/XXXX. They promised after another 1.5  hour long phone call 5 letters to be sent by email clearing this up and now they refuse to send them. They say it will take 60-90 days for them to submit letters to credit bureaus, where if they provide the letters my loan officer can fix my credit in 3 to 5 days. I have spent 10 hours over multiple days. This is inexcusable

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: COMMERCE BANK
State: AR

Complaint narrative:
ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, XXXX agreed to remove the information on my account. However in XXXX they hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Identity theft victim, ongoing challenge to clean-up credit agency data. XX/XX/19 - Experian online continues to kick me out of online access due to information provided not matching their records. Phone number provided as I get kicked-out, but because their data is wrong I can not get past IVR to get to a human to discuss. 

In addition to not providing me with a credit report as allowed by law, I have a security freeze in place but urgently need it temporarily lifted for loan application. I am stuck due to their unwillingness to allow human conversation, and can not get past digital wall due to their data being inaccurate. 

Please assist?

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
ON XX/XX/2019 I APPIED FOR THE XXXX XXXX XXXX BY XXXX XXXX, THEY PULLED EQUIFAX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
We have had 2 loans with XXXX XXXX XXXX - one secured by car, other unsecured. We fell behind on payments a few months ago following our daughter becoming a victim of violent crime. We have continued to make payments but can not get caught up from the one month late payment. All of our payments are going to interest only and the company refuses to help us make arrangements to get caught up. They keep threatening us with repossession of our vehicle but refuse to let us get back on track. They call my husbands cell and my cell constantly every day, from different numbers. Yesterday, the contacted my mother - who has no knowledge of this or connection to it. They pretended to be a legal service company, stating they were attempting to serve me with legal documents and that if they dont receive my signature by today, they will document my refusal to sign and the process will move forward without me. They told all of this to my mother who is not party to this debt. They are impersonating a legal entity and threatening legal actions to us and others about us. Yet, when we try to work out arrangements with them, they demand full payment of past due and currently due and still threaten repossession. We do not know what else to do. We have been frantically trying to resolve this issue but they continue to get more aggressive and threatening instead of helping. Weve even considered bankruptcy filing due to this situation. It is illegal to pretend to be a legal process server/threaten legal action/tell others about my debt or threaten them about my debt. This needs to be stopped. Note : my husband is the party on this loan. He is also the owner of the vehicle involved. Yet, one main is contacting myself and my mother repeatedly and sharing debt information and threatening legal action against my husband.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland credit is constantly calling me from spam numbers. There's no way I can call back because they use a spam number and when I try and call the number back it goes to someone's personal phone or a local business. when I do answer and I tell them to stop calling or ask who's calling they either get hostile or they hang up on me. They usually call form a number that is very close to my cell phone number usually a XXXX number. They never leave voicemails, they call multiple times an hour. I've repeatedly asked them to stop calling but whatever I do they hang up on me or get hostile. Calling from spammed numbers is illegal, so is calling multiple times an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This is a partial copy of a letter sent to USAA. A full copy will be attached USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX To Whom It May Concern Regarding Dispute Claim # XXXX My Card ending in # XXXX Amount {$3200.00} After dozens of calls to USAA stretching back months. A recorded XXXX way call between myself, USAA and the company, XXXX. A letter to USAA XXXX Offices in which I received a return call again reiterating the facts presented in my calls and correspondence with USAA, I received the most recent USAA standardized response sent to my email, with no named person, no returning email, and the same standard request asking me to again call and regurgitate the identical facts I have repeatedly stated dozens of times When I was speaking with corporate offices, in response to my letter, I asked for a review of the supporting documentation I provided and that was provided in the 3 way recorded statements of the XXXX representative while on the call with a USAA representative and myself. The recorded statement from the XXXX representative clearly indicated that XXXX refunded the amount in question to USAA. Rather than USAA providing me with any documentation and or explanation for their most recent response, instead USAA sends me a boiler plate standardized email response. 

Additionally when I spoke with a representative from the corporate office I requested that I be contacted my mail or via email by a named individual verifying the facts in the case. I asked that if USAA chose to contact me via email and from a named individual I requested the email be one which offered an ability to respond rather than the typical 'no reply emails. But sadly USAA chooses to refuse to engage in a dialogue that deals with the facts, with which, they are in possession. Rather USAA capriciously and arbitrarily issues form letters of denial with decisions apparently predicated on their own best interests rather than the facts or their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS

Complaint narrative:
The company sent me a threatening email on XX/XX/2019. The debt is over 5 yrs. old and quite frankly, I'm not even sure if I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: F.H. Cann & Associates, Inc.
State: IN

Complaint narrative:
I submitted required documents multiple times over the last year. Only in XXXX would they acknowledge receiving documents. Emailed documentation was bounced back with mailbox is full I explained this to customer service and was told we can still receive documents when that happens. I mailed and faxed documents which were never posted to my account. My loan status has not been updated to my credit report for months. FH Cann states it is the fault of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX states they are waiting for a green tag from FH Cann. This has been an ongoing problem and I am told each time I call wait a few more weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
CONVERGENT OUTSOURCING KEEPS CALLING MY CELL FOR XXXX XXXX XXXX, I HAVE RECORDINGS AND ALL RECORDS TO FILE SUIT.

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