vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello! In XX/XX/2019 I received a promotional offer in the mail directly to me with my name and address on it for a Bank of America checking account. In the offer it stated to go online to www.bofa.com/XXXX  and I could see if I qualified for this account. I went to the website, filled out the necessary information and was asked to fund my account with a credit card. I did all that and I was approved! Great, so far so good. I read the terms on exactly how to " get {$300.00} '' from Bank of America. They stated I needed to set up direct deposit and have a total amount of at least {$4000.00} within a 90 day period. I did all of that with all of my checks being direct deposited into this account. Now here is where things get tricky ; I never received any confirmation from Bank of America saying I would receive the {$300.00}. I never received a check in the mail. I never received any money in my account. It has been a while since I have completed their requirements for the offer. So I called them today on XX/XX/2019 and discussed this with the lady in " promotions ''. She stated she would ask another department and they could not verify my address and a list of reasons why I would not receive this {$300.00}. It seemed odd that BofA would offer a promotion that they would not pay. So I informed her that I would be submitting a complaint with the CFPB about this because it seems like a huge scam and a way for BofA to get more money from people without paying out on their promises. She stated she had submitted a complaint on my behalf and gave me a reference number of XXXX. 

I do not trust her at all, so I am here writing my own complaint. Thanks BofA for your sketchy business practices, this gives me no confidence in your bank.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened a Macy 's store credit card. In XX/XX/XXXX, XXXX XXXX took over the Macy 's credit card. SInce at least XX/XX/XXXX, a charge for a cash advance has appeared on my bill for {$550.00}. I never used a cash advance, in fact, the cash advance feature was never a part of my card features. The cash advance balance has grown to {$1100.00} to date. A rate of about 16.00 a month since the charge was first placed on my account, so a total of about {$1500.00} in interest since XX/XX/XXXX. 
This year, I really took note and took action. 
I repeatedly called Macy 's XXXX XXXX   customer service at XXXX. One agent confirmed I never had a cash advance feature, the other agents were of no help, I was on hold for 30-45 minutes, transferred and hung up on repeatedly trying to resolve my issue. On or about XX/XX/XXXX, I put in a dispute for the whole amount of {$1100.00} and Macy 's XXXX  claims to be investigating. I am XXXX   years old, I have XXXX XXXX and have to deal with this issue in between my XXXX treatments. I feel Macy 's is predatory and has not been a help. I want an investigation into the cash advance issue and a refund of all the cash advance amount and interest. 
I feel like Macy 's knows i am ill and is putting resolving this issue off and waiting for me to die.

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 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Ocwen loan number XXXX XXXX XXXX XXXX XXXX CA have been trying to get a loan modification my principal residence my husband is a XXXX XXXX XXXX veteran we are XXXX and XXXX years old. The home has been in my family for 67 years. I received a streamline mod of XXXX a month way more than we could afford on a veteran and social security XXXX income Ocwen/PHH knew it is not 31 % of our income. On the documentation there was a place to sign for a short sale on XX/XX/XXXX I signed it and procured a realtor. We received a great offer. Here is what happened next. They emailed today the day before my sale and said they did not have any documents In response to the email received I have now faxed 52 pages to them again at the number they provided. 
These same documents were emailed to Ocwen Mortgage On XX/XX/2019. On XX/XX/2019 I spoke with XXXX ( employee # XXXX ) at PHH Mortgage who advised loan transfer had not been completed, to call back on XX/XX/XXXX at which time ALL documents should be in the system. 

On XX/XX/XXXX I spoke with XXXX ( employee # XXXX ) who confirmed that ALL documentation had been received and that I would receive a phone call from the short sale Department within 2 business days ( i.e. XX/XX/19 ). 

To-date I have received no communication either by phone or email from the short sale department until XXXX this morning when they said they dont have the documents. 

I have NEVER been able to reach the Relationship Manager assigned to this file, XXXX XXXX XXXX either by phone or email. 
He has never responded to an email sent to him or to voice mail messages I have left. 

I find the " delay tactics '' being used by Ocwen/PHH Mortgage to be extremely unethical and am at a loss to understand why they would not wish to entertain an offer on a property. 

While sending this email, I was on hold waiting to speak to XXXX XXXX XXXX for the last 45 minutes - again I question if there overall intention is to provide assistance or not. 

Delay tactics no one to talk to? My husband and I are trying to do the right thing on a mortgage that is really not even valid. As far as I am concerned Ocwen/phh is stealing and we the senior citizens veterans normal people are XXXX forever. How can you not do something about this company? I thought you are to protect the consumer! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
2 years ago I decided to change the primary credit card in my household to the Citi double cash back card. I had previously been using a card that provided frequent flyer miles and had been using that card as the primary credit card in my household for over 10 years and I have never carried a balance. My previous credit card had a credit limit of $ XXXX and when I applied for the Citi card I told them over the phone that I needed at least a $ XXXX credit limit for the card to be useful to me. They approved my credit account via email with a $ XXXX credit limit. I called them to complain and they told me it would increase rapidly over time. In XX/XX/2019 the card limit was increase an additional $ XXXX for a new credit limit of $ XXXX. About 2 weeks ago I updated my income and mortgage information through the Citi app and requested a credit limit increase. The increase was denied. So I called them to ask for their credit limit qualifications which they would not provide. I have an annual income of $ XXXX and a current credit score of XXXX ( was XXXX until we went over the $ XXXX credit card limit ). I own my home and have $ XXXX equity, I don't carry any credit card balances and my debt ratio is less than 10 %. My mortgage payment is {$1700.00} per month. My complaint is that I know that there are lots of Citi double cash card owners that have credit limits well in excess of $ XXXX and I would say that most of those do not have the earnings, credit score and  minimal debt ratio that I do. So I feel that I am being discriminated against because I pay my balance off at the end of each month and in reality I am not the type of customer that they want. They don't get to charge me annual fees, late fees or interest and they have to pay me 2 % cash back on all purchases. I lose money on customers like me and I believe they are holding back the credit limit that I am qualified for because they don't want to lose even more money on my account than they do today.

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 2019-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
XX/XX/19 I RECEIVED A CALL FROM SOMEONE CLAIMING TO BE A LEGAL ASSISTANT FOR CREDIT ACCEPTANCE CORP. THEY ASKED ME TO VERIFY MY NUMBER AND SOCIAL SECURITY NUMBER, AND ADDRESS. THE LADY SAID THAT THERE ISN'T A DEBT IN THERE SYSTEM BUT THERE IS A DEBT ON MY CREDIT REPORT FROM THEM. THE PERSON ON THE PHONE WAS A FEMALE AND SHE SAID THAT SHE WORKED FOR CREDIT ACCEPTANCE. SHE ASKED FOR MY SOCIAL AND I REFUSED TO GIVE IT TO HER. I HAVE A COPY OF MY POLICE REPORT AND CREDIT REPORTS WHERE ITS ON IT. I'M CONFUSED ON WHATS GOING ON AND SOMEONE HAVE OBVIOUSLY STOLE MY INFORMATION OR GOT SOMETHING INCORRECT, THERE IS AN ERROR ON MY REPORT AND I DON'T WANT TO BE HELD ACCOUNTABLE FOR SOMETHING I DIDN'T DO. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DON'T KNOW WHY THE LADY ASKED FOR MY SOCIAL AND WHY IS IT ON MY CREDIT REPORT. I HAVE WITNESSES OF THE CALL AND SITUATION AND IT IS ON MY CREDIT REPORT ILLEGALLY.THEY SAID THEY WILL BE SENDING A FORM, AN IDENTITY AFFIDAVIT. SOMEONE ALSO REQUESTED CREDIT ACCEPTANCE INQUIRIES ON MY REPORTS.

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 2019-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and my dad passed away XX/XX/2018. He left behind a mortgage with ditech financial. My dad was current on his mortgage when he passed. I took over the mortgage and I fell behind and I called the company in XX/XX/2018 and requested help and a nice guy name XXXX assisted me. I later became behind again due to me having my own bills. My dad percentage rate is a 13 % and I was told to apply for a modification. I was told that I had to be living in the house hold. I told them that I wanted to assume the mortgage and they emailed me the forms along with all of the required documents. I provided a recorded Quit Claim and they stated that the type of loan he had. I could not use it until the property was in my name. I had waited for almost two months and they finally stated that no one opened the account and they apologized. the representative then stated that they would have the case escalated. I waited several weeks and received a letter stating my case was denied for failure to provide all documents. I was very furious because I had sent all documents and my case was overlooked and now they want me to reapply and provided all documents and they want to run my credit again and I don't think this is fair. I would like to get my payments current and have my interest rate lowered and I would like them to reopen the case. The deceased name is XXXX XXXX XXXX and the account number is XXXX and my number is XXXX. I look forward to hearing from the company really soon.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NC

Complaint narrative:
My mortgage is serviced by XXXX XXXX PHH Mortgage Services. I have been attempting to make a payoff payment, but the practices of XXXX and/or PHH Mortgage Services is preventing me from doing so due to : 1 ) The online payoff payment statement functionality is broken, producing an error. There is no way for me to obtain this through the self-serve options online. 
2 ) I called the telephone servicing representative and informed them to send me the payoff payment statement. The representative has no capability to deliver this information directly over the phone ; it is only available via fax and postal mail. I requested the information both via fax and mail, but also experienced issues 3 ) The fax was never received 4 ) I informed the phone representative that the property address they had on file was incorrect due to a misspelling in my street address. That spelling mistake was never corrected. I believe that due to this, I have not and will not receive a payoff statement via mail The practices of these two companies result in continued interest compounding on my mortgage and I have no way to make a payoff payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Refinanced with another bank. J P Morgan received the pay off a day late and negatively reported a late fee. When asked they said they couldn't reverse it even though it was just a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
Back in XX/XX/2019, I attempted to contact Transunion to let them know I was a victim of identity theft. They have ignore my letters and have failed to remove bogus information from my file. ( which I know because they updated accounts to consumer disputes ) In accordance accounts which were opened by fraud within 4 business days, per FCRA Section 605B, my rights have been violated and I am now ready to seek legal help. This situation has caused me a bad reputation and being embarrassed and turned down. 

I have also attached the documents sent to Transunion below, have faith that they will correct the problem and clear my name from this bad dream

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 2019-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I was served more than 6 years ago and then the debt was renewed after I made a settled amount with the original creditor for 3 times what the original debt was. I made contact with Budget Control Services to get further information, XXXX XXXX was very abrasive and rude. I provided them with all my documentation, offered to settle with them immediately and got no where. I forwarded the information to our attorney and financial planner and they were bewildered as to why they wouldn't settle. Then, my husband was served with a wage garnishment. Again, I called and offered to settle and they gave me a completely different amount than what the garnishment was submitted for. 
I told him, again, that I was going on the advise of our attorney and he stated " Your attorney is an XXXX and needs to go back to school to learn to read and write. '' I asked for a supervisor because I was done speaking with him. He responded " No! I'm done with you! '' and hung up. I finally got a hold of a supervisor and am still trying to work this out with him as I am still getting a different story every time I call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My loan was recently transferred to this company. My promissory note specifically says that there can be a late fee after the XXXX of the month. It is due on the XXXX. This new company that I am complaining about charges a late fee after the XXXX. I feel like they have changed the terms of my loan and I have been told that they can transfer the loan but not change the terms of the loan.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM ASKING THAT YOU KINDLY REVIEW THESE ACCOUNTS AGAIN. THESE ACCOUNTS DOES NOT RELATE TO ANY CONTRACT AGREEMENTS MADE BY ME. I DO NOT KNOW OF ANYONE WHO WOULD HAVE HAD ACCESS TO MY INFORMATION TO BE ABLE TO DO SUCH A THING. THESE ACCOUNTS ARE CAUSING A GREAT DEED OF STRESS ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THESE ACCOUNTS REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received an automated voicemail from " XXXX '' from " The Underwriting Department '' regarding my Capital One credit card. They claimed that based on my payment history I qualified for a 1.9 % interest rate, that I just needed to call back and provide additional information. They said that it was the only call I would receive about the offer and that the offer would expire in 3 days. The phone number provided was XXXX. 

I did not call the number back, I called Capital One. They have launched an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Beginning on XX/XX/2019 there were 8 unauthorized charges to my business checking account ( XXXX XXXX XXXX ) with BBVA Compass. I immediately contacted the banks fraud department to make them aware. Since the charges were still pending they advised me to deactivate the debit card that the charges were on and call back once they posted. on XX/XX/XXXX all the fraudulent charges were posted to my account and a total of {$2700.00} was deducted from my account. I immediately called the fraud department back to dispute the charges. I was told I would receive an email to confirm the dispute. I never received the email so a week later I went to my local branch on XXXX XXXX in XXXX TX. They told me they would take care of it and I would hear from them in a day or two. My local branch never called me back so I returned 2 days later to speak to the branch manager XXXX XXXX. XXXX assured me this would be taken care of and she would be in contact with me in a day or two. I never heard back from XXXX so I called her again on XX/XX/2019 for her to tell me that she could not help me and I needed to call the fraud department again myself. I called the fraud department at XXXX to ask why I still had not received my {$2700.00} back into my account. The fraud department told me that my dispute is being denied because Visa said it was verified. I explained that I without any doubt never made these overseas charges and I demanded to see proof that I made them. The man on the phone told me I would receive all the information in the mail. What I received in the mail did not provide any proof that I authorized these charges only a letter stating they were denying me. I also asked him how I can dispute this and he said for me to XXXX it or contact my local police department to file charges. Below is the breakdown of the fraudulent charges. 

XX/XX/2019 {$1100.00} XXXX XXXX XXXX XX/XX/2019 {$510.00} XXXX XXXX   XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$33.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX I never authorized any of the above transactions and strongly believe that BBVA Compass is not abiding by the contractual agreement they made with me in protecting me against fraud. BBVA Compass must reimburse me for the total amount of {$2700.00} according to my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief