vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX at SunTrust told us that any documentation that comes to them without loan numbers on every single page gets shredded or deleted from the file. 

Firstly, this is illegal, as it is a violation of the Homeowners Bill of Rights.

Secondly, in our experience with SunTrust, closing almost 3000 short sales in the last 13 years, we know this is not true. 

Thirdly, on their own documentation they don't even ask for the loan number - see Affidavits attached. 

Apparently SunTrust is directing their employees to delete documents in order to push properties into foreclosure. 

I am attaching the requested documents to this CFPB Complaint. I expect these to be attached to the account and the short sale moved forward without further delay. 

For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair

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 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I applied and was approved for a Capital One SavorOne card on XX/XX/2019. While I was approved for the card there was a specific feature of the card ( 0 % intro interest rate for 15 months ) that was advertised but removed from the offer. I was not informed that this was a variable part of the offer, my belief based on advertising and the terms of the card at application that this introduction rate would be part of the card if I was approved for the card. 

I called capital one and indicated to them my issue, they points to this line in their Terms and Conditions as reason for removing that specific feature within the overall offer : " With respect to this offer, I acknowledge that : I am not obligated to accept the card or pay any fee or charge unless I use this card. 
Even if I am otherwise eligible for this offer, approval is based upon satisfying Capital One 's credit standards. '' " This offer '' seems to indicate the entire Credit Card offer being able to be declined or accepted, it does not indicate anywhere in the terms and conditions that specific features of the card or offers of the card could be removed but the card could still be accepted. Had I know this I would not have applied for this card to begin with. This is further supported by the fact that things that are variable ( the overall interest rate, and the credit limit are advertised as variable and not set in stone ). 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
XXXX XXXX ( address XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ) is attempting to collect money for estimate from XXXX XXXX ( XXXX XXXX XXXX, XXXX, CO XXXX, phone XXXX ). This estimate was not signed or agreed upon.

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 2019-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Direct Cash LLC
State: TX

Complaint narrative:
I did not see my complaint listed so I just selected one. I qualified for a loan with direct cash in every way, checking balance, length of employment, verified bank and multiple direct deposits from employer, etc but at the end was denied only because of what I do for a living. They need to publish in bold letters on their website they don't lend to people who work n my field. I stopped looking for the funds i needed because I was told I was approved. XXXX  I am going t be homeless

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I made a mistake on putting my son middled name .and he wasent able to get his money i called moneygram at XXXX and at XXXX. An they told me to cancel the transaction because they cant change the name. An that i had to wait 3 to 10 days to get my money back im XXXX  i get ssi an my son is XXXX an he dosent under stand good an he had a fit. I asked money gram i had him in my record of money alreay to please change the name an they said no. I asked to speak to a supervisor i was told the didnt have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before XXXX. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX XXXX which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXXl records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something  somewhere, I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : This is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has verified that the accounts they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged accounts. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and incomplete, and represents a serious error in your reporting should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445  ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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 2019-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have consolidated my federal loans and they are handled by the FedLoan Servicing. I am in the Public Service Forgiveness Program where as long as I work for the government, I am required to make 120 qualifying payments towards my loan amount and the rest is forgiven. The key to the program is to have the qualifying payments which are counted by FedLoan Servicing retroactively once the payer shows that they are employed by a public service organization. Two years ago, in 2017 I had a case opened with FedLoan Servicing to look into whether the payments were calculated correctly for me. I had calculated more payments than what I was being told. FedLoans opened a case and said that they will look into the discrepancy. I would call every few months or so to follow up on the open case and each time I was told that it is being worked on. It has now been two years since the case was opened. Nothing has happened. In addition, FedLoan Servicing is not counting any payments I made since 2017 when the case was opened because they say that the case has to be resolved first, before any more payments are counted towards my program. FedLoan Servicing also told me that there is nothing else they can do to speed up the review of the opened case or even to close it because it is not handled by them directly. I would like for this issue to be resolved and for FedLoan Servicing to count my qualifying payments. I am afraid that this is a tactic and nothing will get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Back in XX/XX/2018, BEFORE I got behind on my payments, I contacted Mr. Cooper, my mortgage lender, and informed them that I was being placed on bedrest due to XXXX complications. I requested any assistance that they could provide to help me with my mortgage while I was on bedrest to keep from falling behind. They told me that all I could do was apply for a loan modification. I applied and the modification was finally denied in XXXX of 2018. I was informed that the reason for the denial was lack of income. The agent who informed me that my only option was a modification was well aware that I had no income due to my health status. I went back to work in XXXX, but now my mortgage is about 4 months behind, and Ive made my usual payment since then. All of my savings was used up while I was off work for almost 7 months. After returning to work, I was encouraged to reapply for the loan modification in hopes of saving my house. It was also denied on XX/XX/2018, because my obligations exceed my income. Isnt that why I need the modification? I called on that day and spoke to a representative ( who told me why my modification was denied ) and asked who I could file a complaint with against their company and was told that my loan was an FHA loan so the FHA is my lender, and they dont take phone calls. The FHA doesnt lend money - they guarantee loans, AND I have a conventional loan. Mr Cooper has lied to me over and over. They have never tried to help me keep my home, and they still arent helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
as of XX/XX/2019 I had filed against XXXX/Equifax and the results were to remove from my credit report. I applied for a credit card and I was denied due to Equifax not deleting my XXXX  information. it was agreed on XXXX file. and it was not done, so my fico goes down due to being pulled and I was denied. how good is these credit bureaus???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before Christmas. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX  XXXX   which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXX records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something somewhere, I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Card opened without authorization from the card holder due to identity theft.

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 2019-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I neverauthorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.

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 2019-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This was on my account while I was out of country. I was not living in USA at the time the debt was created or occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: FL

Complaint narrative:
Re : CapitalOne Credit Card Solicitations I have tried not once but many times to get CapitlaOne to quit sending me credit card offers and other advertising in the mail. I have NEVER used CapitalOne, will NEVER use CapitalOne and don't won't to be bothered with them, yet I get several pieces of advertising materials/solicitations in the mail almost weekly.

I WANT IT STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Referencing case # XXXX, I contacted Citibank to inquire about missing XXXX XXXX  miles that were never deposited in my account as part of a promotion for opening a Citi Priority Account and spending {$1000.00} minimum and completing bill pays. The letter I received dated XX/XX/2019 states I did not complete the bill pays. I completed the bill pays through the Citi website for two consecutive months which makes me eligible to receive the promotion. I have been a loyal Citi customer for 2 decades with both their credit card products and checking accounts. Thank you.

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 2019-12-31 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I visited XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, IL. I was assisted by the XXXX, General Manager, of that location. I purchased a display piece with required XXXX to provide a purchase price which was {$120.00} before tax and {$130.00} after taxes. I attempted to use my XXXX credit card and was told that the transaction was unable to be processed, which was unacceptably odd seeing how I was approved for {$4300.00} only few days prior. At that point I provided my XXXX and completed the transaction. Once I received my statement from the XXXX XXXX the following month the charge for {$130.00} was on the statement. I phoned and spoke with XXXX at the XXXX which I purchased the display from and I was told that I would receive and check for the {$130.00} in 3-4 business days. After two weeks of waiting I phoned and I was told to call Comenity Bank twice, and I was told to send in receipts and letter explaining the issue. I sent letter and receipts to no avail. At this point I'm thoroughly convinced that The XXXX and Comenity are refusing to refund the {$130.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX- I called to make a payment due to a payment being returned. The payment that was returned was an incorrect account number. I did not provide this account number to the company for this particular payment. It seems as though their system pulled an old account number that hadnt been used since XX/XX/XXXX. I requested for the fee to be waived, the representative by the name of XXXX XXXX XXXX was extremely rude, antagonistic and argumentative. He refused to transfer me to a supervisor and pretended as if he was hanging up on me. He advised me it was my fault the payment didnt go through and there was absolutely nothing he could do to help me. He placed me on hold and told me Good Luck very sarcastically. I remained on hold over 20 mins. I finally spoke to a woman who never provided her name and hung up on me while I was explaining my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-31 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: PR

Complaint narrative:
I am a victim of identity theft. I requested to the three major credit bureaus ( Equifax, XXXX  and XXXX   ) to block unauthorized charges from credit report under FCRA 605B. I sent letters to the three agencies with a copy of my FTC Identity Theft Report, proof of my identity and a copy of my credit report showing the fraudulent items. XXXX   and XXXX successfully blocked all unauthorized charges from my credit report as directed by section 605B of the Fair Credit Reporting Act. Both of the agencies placed an extended fraud alert on my credit file. But Equifax was unable to locate my credit file. Then they asked for two documents : one to verity identification and the other one to verify my current address. I sent to them a copy of my social security card to verify my identity and a copy of my drivers license to verify my address. Again, they were unable to locate my credit file with the documents that I provided. They kept sending letters asking for the same two documents. I sent to them in four different times the documents they requested : a copy of my social security card and a copy of my drivers license. Also, I sent to Equifax a copy of a police report and the ignored me. Im frustrated because I did not had any type of problems to clean my credit report with XXXX  and XXXX. I want to clean my credit file and place an extended fraud alert just like XXXX and XXXX   did. Here I attach a copy of the police report, copy of the Federal Trade Commission Identity Theft Report and copy of the four letters that Equifax sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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