vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has refused to correct their negligent mistake which has greatly impacted my credit score negatively. I have evidence of their mistake with a written letter from capital stating they made the mistake and yet you no action to remove the negative comment from my credit report. XXXX XXXX an employee from capital one assured me that this negative impact would be reversed and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I tried to access my bank account and it tells me that my name has changed. I never changed my name for my bank accounts even my whole credit report is under this new name XXXX XXXX that I never created, please change my name back to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
-XX/XX/2019 New Rez financiaXXXX reported {$1600.00} past due as of XX/XX/2019 to all 3 credit bureaus -Called New Rez on XX/XX/2019 to fix this problem because my account is up to date with payments. 
-NewRez told me that there bankruptcy department can only speak to me. 
-Called on XX/XX/XXXX several times NewRez and was not able to get anyone to help me. 
-Mortgage account is in a open bankruptcy

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: PA

Complaint narrative:
I opened up an American Express Platinum card from American Express over the phone. On the phone call I was promised a promotional reward of XXXX points for signing up if I made {$5000.00} in purchases in the first three months. I signed up for this credit card on XX/XX/2019. I spent the more than {$5000.00} on the card within two months but did not received the promised sign up bonus. 

I called American express to check on the status of the sign up bonus and they told me that after I had signed up they decided to review my account and determined that I would no longer be eligible for a sign up bonus. After contacting them they gave me a case number and said they would review it further as I had been told I would receive the XXXX sign up bonus on the phone. They told me they would email me with a resolution shortly. When I had not heard back after 3 weeks of waiting I contacted them again and they told me that they would not give me the sign up bonus for the credit card because I had previously received sign up bonuses on other American Express cards. 

I have exhausted my options dealing with the company and am disgusted by their bait and switch tactics. They promised me a sign up bonus of a certain amount over the phone and then failed to deliver it when I met the terms of the sign up bonus. They sure didn't have any problem charging me the entire {$550.00} annual fee immediately though! 

I would not have opened the credit card with them if I knew I wasn't going to get a XXXX point sign up bonus. I signed up under that pretense and they changed the conditions after the fact, which seems like a predatory tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: The Outsource Group, Inc
State: KY

Complaint narrative:
I am being billed for a service that was paid by two insurance companies including XXXX and received a letter stating what I am allowed to be billed and they far surpassed that and also being billed for people who were never in the room!

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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I had a chapter XXXX BK which recently got discharged not to long along. I previously had a Money lion Plus membership, as well as an active investment account with Money lion. Dealing and battling identity theft is draining financially so i go to withdraw my investment money from my Money lion  account, and i was told i couldn't withdraw because of an outstanding debt i had with them. I called money lion to see why i couldn't withdraw my investment funds, and the agent told me i couldn't withdraw because i stilled owed them X amount of dollars.So before i could withdraw, I needed to pay what i owed them. I told him that any alleged debt has been wiped, and they can not collect on a debt that has been discharged in my Bankruptcy, That is illegal and against the law, and that i will be seeking legal action against them for every violation they accur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
My Loan, XXXX, was transferred to Rushmore Management in XXXX from XXXX XXXX XXXX. The loan had been transferred to XXXX from XXXX XXXX Loans. We entered a modification in XX/XX/XXXX that provided for a permanent 5 % APR, and a payment below {$650.00}. The subsequent billers continued to escalate the payment under the guise that escrow estimates were short. However, my local property taxes have not increased. On XX/XX/XXXX, the current biller, Rushmore, more than doubled the APR to 11.27 %, and increased the minimum payment to over {$1200.00}. The biller has refused to address the XXXX modification agreement. We have also submitted documents for a new modification that Rushmore claims was not received. In the interim, we requested a deferment, or reage as the current payment is not feasible for us, or in keeping with the decreased value of the property. The original loan holder, XXXX XXXX, grossly overstated the value to collect extremely high closing costs. I have resubmitted the hardship application again, on XX/XX/XXXX, I am asking the current biller to adhere to the XXXX agreement, restore the 5 % APR, and adjust the minimum payment accordingly by reducing the balance, extending the term, or another option available. Requests for extensions were submitted by the company 's phone agents in XXXX, XXXX, and XXXX, with no response. Based on our previous inquiries, We also expect any delinquency to be removed along with any negative reporting to the consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In XX/XX/2018, have applied for carecredit under Synchrony bank for a XXXX XXXX in the amount of {$1500.00}. The total cost of the XXXX XXXX  was {$1300.00}, and this is charged on the XXXX of XXXX 2018. I was informed multiple times by the worker at the dental office and the representative of carecredit that this load has no interest and the load will be pay off in 18 months. They recommended me to enroll in autopay to prevent late payments, so I did. After 20 months, they continue to charge my card, and after reviewing the online statement which they sent to me with little to no information in the email body. I discover that I currently still have a remaining balance of XXXX, which was more than what I start off with. After contacting them, I was told that the zero interest promotion ended in XXXX ( which I was not informed or contacted by anyone ). They told me that the minimum payment that I make every month is not sufficient to pay off the loan in full, and they place a XXXX dollar interest charge on my account in XXXX. After further investigation online I found that Carecredit had history of this ill behavior, and was charged by CFPB to refund XXXX XXXX dollars. They fail to follow the enforcement of " representatives will contact most CareCredit consumers within 72 hours of the initial transaction to explain the product to them over the phone. In addition, for certain transactions of more than {$1000.00}, consumers will enroll directly through a CareCredit representative and not through the doctor or dentist office representative. '' I talk to them about such matter, but the representative was rude and insist that I have full responsibility for the balance. He threatens to hurt my credit score, so I have no other choice but to pay the amount in full at this time.

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 2019-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The following information listed below is from the Navient website pertaining to my account states that I have two loans for a XXXX UNIVERSITY XXXX, I never attended this school in my life. 

I would like full disclosure of all pertinent information relating to this school including Promissory Notes supposedly signed by me. 

XXXX Stafford - Subsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$2400.00} 4.660 % XX/XX/2019 Hide more informationXX/XX/XXXX Stafford -  Unsubsidized School XXXX UNIVERSITY XXXX Loan Status Repayment Estimated Payoff Date XX/XX/XXXX {$3300.00} 4.660 % XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I opened the checking account with SUN TRUST bank in XXXX Ga. and Deposted my social security check {$1200.00} on XXXX. On XXXX, SUN TRUST decided that they did not want to do business with me. But as of XX/XX/2019 they have not returned my funds. I/my sister have called and spoke with employees, supervisers, manager and they all respond in casual manner as if, its ok for them to hold my funds for 2 MONTHS!! and not return them. they stated that the fraud deptmt is holding my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: TX

Complaint narrative:
1. I travelled and honestly forgot to pay my PNC BANK FLEX credit card for over 30days and i was reported to the credit bureau which has continually negatively impacted my credit despite the fact that i have since paid off the card and i have consistently paid off all balances until then and afterwards. 
I wrote to the bank but they insisted there was nothing that could be done. 
i am passionately appealing for the removal of this reporting on my credit so as to boost my credit. 

2.I moved from XXXX to XXXX and it took a while for me to return the equipment to XXXX because of the out of state credit they promised. I eventually paid off what i owed them but they had reported me,. I filed a dispute with the credit union and i would like that report taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019, I went to a bar/restaurant and purchased a drink for {$17.00}, my credit card and ID were kept behind the bar. My Citibank credit card was subsequently charged {$410.00}, {$820.00} and a {$1700.00}. I DID NOT AUTHORIZE these transactions. 

My wife saw the charges on XX/XX/XXXX and thought the card had been lost or stolen because 1 ) we never make purchases this large, 2 ) it appeared the card was being used in XXXX, not XXXX, and 3 ) our Citibank credit card has been compromised at least 4 times in the past few years. 

She cancelled the card that night, stating it was stolen or otherwise compromised. 

We called Citibank during the initial investigation to inform them the card wasn't stolen, however these charges were not authorized. Citi closed the investigation the investigation as card not stolen. We have called over 10 times and spent more than 7 hours on the phone over the past 3 months asking Citi to open an investigation of the charges not being authorized and were consistently given the run around by transferring us back and forth between depts, telling us it would be reopened and we'd get notification. Never were we informed they are only obligated to investigate written disputes. We learned from a friend we needed to send a written billing dispute and subsequently sent a certified letter. We received a response today stating the {$1100.00} will be investigated, it does not mention the {$410.00} or {$820.00} charge. I do not have confidence they are going to investigate ANY of the charges. 

If nothing else, I should receive receipts and " proof of purchase ''. Card ending 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 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2019 I ordered a credit card from Capital One on or about XX/XX/2019. At the time I ordered the card I informed the customer service agent that I receive my Social Security check on the XXXX Wednesday of the month and I need to receive a hard copy of their bill prior to that date so that I may make a timely payment. I specifically requested a change of my billing date so that I would not receive late charges. I was informed that the change would be made within the next one or two billing cycles. Since that time the change was not made and I made six additional calls ( once a month ) trying to confirm the change was made. Each time the rep initiated a new order to make the change because it was not made. On the last two occasions I spoke to the customer service supervisor who affirmed the change was made. The last occasion was today when I spoke with XXXX # XXXX. She indicated there was no record on my account of any changes were ever ordered. That was surprising because the previous Supervisor who identified himself as XXXX had personally promised me that the change would be made. In the meantime, I have been paying a substantial amount on my bill right when I get my direct deposit at the end of each month. Even so, I am being charged a {$30.00} late fee for the last two months because their payment date has not been changed. Their response despite their neglect and indifference to my request is to say pay on your bill prior to the late date. Capital One policies are so inflexible that they refuse to waive more than one late charge regardless of when I receive my funds or their culpability. Capital one also does not have any method for filing a complaint about their methods. Capital One clearly discriminates against the elderly and fixed income people similarly placed as myself. I believe Capital One has treated me unfairly and lied to me multiple times about changing my due date. I request your organization investigate the matter and order Capital One to accept responsibility for their misconduct, refund my unwarranted late fees, and change their policies to account for the special circumstances of elderly and fixed income people. This company lies to its customers, does not document their actions, and is indifferent to the complaints of its customers. It should not be allowed to operate in such a manner. 
XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America received a check at the ATM and placed a 10 day deposit hold without notice. BOA refused to return the check inside where the deposit was made and refused to credit the account at the contact center via phone. The extended hold was unreasonable and I asked XXXX XXXX at the call center to contact the issuing bank and verify the funds because this hold was creating a substantial financial crisis for me. XXXX refused to even credit {$200.00} of the check to my account and refused to pick up the phone and verify the check to release funds. These actions are immortal and unfair and if the check was accepted then the funds should be released or the check returned. The banks use of ATM is no excuse for not returning property ( the check ) when refusing to credit the account. I was damaged by the actions of BOA and the check should have been returned on request to provide to the issuing institution.

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 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX I spoke with a mortgage banker with Rocket Mortgage/Quicken Loans regarding the purchase agreement I had on a new home. Per his request, I provided address and seller concession 's information, which included a {$3000.00} credit to be provided by the seller at closing to use towards the purchase of a fence. I also provided the actual signed purchase agreement to him via email that day. THIRTY days later, I received a task advising me that I need to provide them with an updated addendum removing the {$3000.00} credit for the fence. When I asked, I was advised that Quicken Loans policy only allows funds at closing to be used towards closing costs or prepaids. This information was not provided to me by the mortgage banker during our text conversation on XX/XX/XXXX, or at any other point in the process until XX/XX/XXXX when a task was provided with no context or information. This information should have been disclosed to me prior to me agreeing to move forward with this company - had I known, I wouldn't have agreed to move my application past the preapproval stage. I have asked Rocket Mortgage/Quicken Loans to correct THEIR mistake - as Underwriting had the purchase agreement for 30 days, as well as received updates to the purchase agreement TWICE before they realized there was something against their policy included. At this point, it is too late for me to use a different mortgage company, as my closing is scheduled within 30 days. RM/QL is telling me that they will not grant an exception when they are the ones that have caused the issue. I have also discovered that I was not provided all options regarding Rate Locking. The lack of information and disclosures provided to me, which has caused me to not have all information needed to make an informed decision is a clear Fair Lending and UDAAP violation. 

RM/QL escalated me, and my escalated contact - XXXX - can not even explain to me what they are attempting to do other than tell me they won't grant an exception and they are working with some people I've never even heard of to try and work it out and advised my processor - who hasn't responded to any questions sent today, XX/XX/XXXX, and who hasn't been able to answer any question I've posed before now, will be able to contact me and explain what is being worked on to figure this out. But he did state that they are unwilling to grant an exception and fix the issue, and so because of lack of information provided to me up front I am going to experience financial harm because they feel the need to be greedy and only allow seller credits that directly pad their own pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: NY

Complaint narrative:
this account was opened online by someone else I only had two account for this bank and I owed then money so how can I open and new account with owing them money someone stole my identity because im a victim of identity thief I had account before 2019 not in 2019  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwith this bank this account wasn not opened in person it was opened online and they lied and said it was opened in the branch and a manager told me someone did it online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I was told that my debt is from when I visited the ER, which at the time of the date in question I had insurance and since then I have switched insurance.

Company response to consumer: Closed with explanation