vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/18 : Mattress Firm employee offered to check and see what I would be approved for if I decided to finance when purchasing a mattress. I agreed to a credit check, and the employee took down my information ( SSN, address, DOB, income, etc ). Synchrony Bank ran check and said I was approved for {$6000.00}. I told Mattress Firm employee " Thanks, but I dont want a loan - I just wanted to check and see what I would be approved for, like you said. '' I left the store without purchasing a mattress. I never signed anything, never received any paperwork, etc. 

XX/XX/18 : A week later, I received a new credit card from Synchrony Bank. However, I never signed or agreed to receiving any credit ( and in fact, *explicitly* said I *didnt* want credit ). This was clearly deceitful practice by the Mattress Firm employee, as " checking to see '' what I would be approved for and " opening a line of credit '' are two different things. 

I called the bank immediately and cancelled the account. I explained multiple times that I did not sign up for this account and I was misled. I only agreed to checking to see what I could get approved for, not for actually getting a card. The rep on the phone submitted the request and said I would have to speak with Mattress Firm directly about the issue. 

I called Mattress Firm 's customer service, who was very polite and tried to handle the issue. However, she stated I need to speak directly to manager of the store ( Mattress Firm XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX XXXX, TX XXXX ). 

XX/XX/18 : Mattress firm manager calls and makes me feel like a mental midget. I explained that I ( verbally ) agreed to checking to see what I could get approved for, not for actually getting a card ( and not signing anything ). The manager refuses to acknowledge that there was an issue, stating that it is " unstated common knowledge that when you give someone your information they will open a line of credit. '' The fact that it is " unstated '' means that there is obviously some issue here. We go back and forth until the manager hangs up on me. I've never felt my intellect insulted as much as on that phone call. 

Also, this apparently isnt so common : https : 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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I discovered this in XX/XX/XXXX. Since this time, I have been trying to fix this issue with the Company to no avail. 

Pursuant to the Fair Credit Reporting Act, Calvary Portfolio Services is in violation of RE-AGING an account and reporting inaccurate and false information to XXXX that they have now CERTIFIED. XXXX XXXX Acct # XXXX, by all other credit bureau accounts, note the above account as having been OPENED in XX/XX/XXXX closed with a XXXX balance. 

However, Calvary Portfolio Services reports the same account to XXXX, opened with a {$1000.00} -- stating it was opened on XX/XX/XXXX. I have no knowledge of such an account. XXXX is refusing to re-investigate it because CPS have certified to this inaccuracy. From investigation, this company has a history of re-aging accounts and attempting to collect them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/18 I called Wells Fargo because I never used XXXX on mobile banking and wasnt sure how it worked or if it was secure if never receiving a item. Im a college student and I was trying to buy a puppy that happened to be online. XXXX $ was transferred to purchaser after I was assured by my bank. My mother bought her dog online and had hers flown via airplane on a different website so I didnt think. I signed a contract with purchaser and told Wells Fargo in case I never received this dog would I be able to get my money back I was told yes by customer representative that if I didnt get it by that week of Friday as expected to call. After transaction was made the website micropupsforall went down. I immediately called Wells Fargo and filed a claim but was told it is very unlikely I get my money back from another representative and was explained which I wasnt explained before that XXXX is only a money transfer like cash app I spent my hard earn money on a puppy I never received. The scammers number is still working and hes probably scamming other people. I still have all texts and emails. I have filed a police report in this process

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 2018-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/18 I checked my XXXX  credit report. Capital One reports on the XXXX of each month. On XX/XX/2018, Capital One reported my balance as {$1900.00} when it was actually {$1700.00}. The {$1700.00} was reported to the other bureaus. When I spoke to a representitive on XX/XX/18, she told me that they had to dispute it with XXXX. Under the Fair Credit Reporting Act they shorted me {$230.00} on my payment to XXXX. She told me it could take up to XXXX days for it report correctly. The representative kept asking the same questions over and over. She had to put me on hold several to see if the problem could even be fixed and what she had to do. I can't be the first person she's spoken to about an incorrect amount reported to a credit bureau.This is ridiculous. All Capital One has to do is electronically submit the right amount of {$1700.00} for the same date of XX/XX/2018. Companies do it all the time if they make a mistake. Why would a credit card company dispute what they reported incorrectly. I want it fixed immediately. I as a consumer have the right to have my correct balance reported each month. Now I'm going to have to call XXXX  every month to see what Capital One is reporting. I have been a customer of Capital One for over 11 years, and I am very disappointed in the way they are handling my complaint.I find it very unprofessional. Capital One is fully aware of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Immediate Credit Recovery
State: MI

Complaint narrative:
I called and asked for my loans to be deferred XX/XX/XXXX due to having a baby. They never put them to deferment. XX/XX/XXXX I went back school at XXXX College. Did not defer my loans due to being back enrolled in school. I was in school until XX/XX/XXXX. I called again in XXXX of XXXX because I was working less due to being 7 months XXXX. In XX/XX/XXXX I again asked for a defer in XXXX of XXXX due to XXXX XXXX to my XXXX baby. I then applied for Borrower Defense in XXXX of XXXX. My loan were not placed to be deferred so they sent me to collections. In XX/XX/XXXX my tax refund was taken by the DOE. They took {$9300.00} from me and my XXXX children. I applied for a hardship. I talked to multiple people about what I would need. They explained I would need to fill out the application and send in an legal eviction notice with what I owed and that was it. I did so. They first tried to say it wasn't legal and the amount owed was not on there. I made it clear that they were wrong about that and the women said oh well you didn't send your lease agreement. I explained that I was not told to send that in. Also it stated on the application if I could not get an eviction notice I would then need to send in my lease agreement and all she would say to me was not it is too late. Included is the application I was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I requested 6 months of payments be added to the end of my loan. at the original maturity date i paid the additional 6 payments that i was supposed to and the company still told me i owed about {$2500.00}. I advised them that this couldn't happen since i already paid the payments i placed at the end of the loan. Then after my new maturity date i did not receive any additional documentation or bills and they repossessed my car. When i contacted them they advised that the last contact was approximately XXXX when they sent a letter out. I did not receive any additional information after that so i assumed the issue was fixed, until i woke up and my car was repossessed. I contacted them immediately and they advised me now my balance to get my car back went from {$2500.00}, to almost {$3000.00}. This was a huge financial impact as my credit report wasn't even showing i was behind on any payments at the end of my loan but yet they went and sent my car for repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
XXXX is reporting inaccurate information on my credit file, and trying to collect I do not owe. This debt was paid, and they are in clear violation of the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I took myself to the emergency room of XXXX XXXX XXXX ( hospital ) as I had a XXXX  XXXX  that was getting worse by the moment. 
I was admitted to an emergency room, and it was determined that I would be treated and kept for the evening. I was released the next day, and went about my business. 
I never received a bill ( which seems common since I have Medical ) from the hospital. 
Approximately on XX/XX/XXXX this year, I found a derogatory credit item on my XXXX credit report from a collection agency that uses the name of California Business Bureau, with an address of XXXX XXXX XXXX XXXX, XXXX, CA XXXX I placed a phone call there on XXXX, with the intent to find out why my emergency visit to the hospital was turned over to a collection agency. The woman I spoke with indicated that my insurance did not cover the hospital visit, as I had " XXXX XXXX and the deductible had not be met '' I informed her that I had no other coverage/insurance other than Medical, and that this had never been an issue before. 
She stipulated at this point, that I needed to get a form ( MC 180 ) from Medical showing my coverage, and that they would then bill them ( Medical ) I reached- out to Medical and they indicated that " I needed to provide the bill from the collection agency, before they could send me this form '' I called Medical a second time, and got the same response. 
On XXXX, I called the collection agency, and spoke to a woman by the name of " XXXX '' who said she would forward the bill ( same bill I never received ) to my residence. 

On XXXX, I called the collection agency once again, and spoke to another woman there who indicated that here name was XXXX XXXX. At this time she indicated that my bill was " archived, and that forwarding it to me would take awhile '' I asked her how long/what time-frame was " awhile ''? and she replied that she had " no idea '' I am attempting to do the right thing, resolve this matter, and the collection agency is far less than helpful. 
The hospital is supposedly in the amount of {$2500.00}. 

Thank you in advance for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Since XX/XX/2017 I have been disputing some negative accounts on my credit that I don't remember having. I have sent 3 separate letters and the credit bureaus responded stating that they verified that the account belong to me so I said fine, send me proof and to date they have not responded with any proof. They keep sending the same computer generated report which states that the account is verified.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Simply Cash Account ending in XXXX and XXXX American Express Account ending in XXXX raised my interest rate 5 % on my XXXX statement. I have paid on time and as agreed on these cards and on all cards for the past 10 years. First the representative told me that my fico score had lowered. I asked to speak to her manager and the manager told me that American Express had not raised interest in 5 years and so now they were raising everyone 's interest. I told her this was not true as on both cards during 2018 my interest had been raised 1/4 % 4 to 5 times. I asked to speak to her supervisor after she demeaned my intelligence on the telephone. This is an unfair business practice and they have no right to obtain {$10.00} extra per month per card. I have been an american express customer for 20 years and have no negative information against me. AMEX lowered my XXXX card credit from {$24000.00} to {$2400.00} seriously causing me problems to complete my remodel of my apartment building and to purchase the necessary supplies to run my vacation rental. XXXX card lowered my credit from {$13000.00} to {$3500.00} causing difficulty to supply my units with stoves and refrigerators and to finish the remodel of my building. PLEASE NOTE : I HAVE A SECOND ACCOUNT : CARD NO. XXXX XXXX XXXX : INTEREST RAISED FROM 13.99 % TO 18.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to dispute the following information that Discover Card has erroneously and repeatedly provided to XXXX, XXXX and XXXX. Discover Card was referenced as an outlier that negatively impacted my loan offer by XXXX XXXX home mortgage in XXXX of XXXX as it was previously reporting in error multiple charge-offs and late payments up until XXXX. I have disputed the information directly with the credit bureau at least twice and have made multiple phone call to Discover Card to either report accurate information or remove from my files. It has been over a year and my concerns have not been rectified since I contacted Discover Card in XXXX of XXXX. My account was charged off in XXXX of XXXX and I made a payment in full in XXXX of XXXX. Discover card sent a letter to my address after I demanded it stipulating that I had paid the balance in full but is currently still reporting a failure to pay in XXXX of XXXX in my payment history. 
I am in the process of buying a home and Discover Card failure to report accurate information has negatively impacted me in the type of rate, loan amount, and loan that I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I requested very specific information regarding these alleged debts-proof that Simon Agency owns and is authorized to collect, proof they are authorized to collect in my state-etc. 
There response was false and inaccurate- The original placement dates vary according to what they provided. On XXXX they claim they sent me notice to my current address-they are lying, I did not live there at the time. I have been disputing these false debts since XXXX. They refuse to provide the requested documwntation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have ever only obtained a check cash card for Walmart in XX/XX/XXXX. Now in XX/XX/XXXX I tried to apply for a credit card and was denied. However, via mail from XXXXXXXX XXXX   Creditor and they also list XXXX in letter, they claim SERIOUS DELINQUENCY, NUMBEROUS ACCOUNTS WITH DELINQUENCY, LACK OF RECENT BANK REVOLVE INFO. I Knew this was FRAUD and immediate called XXXX who stated they never even received the INQUIRY! I then reported to FTC and Consumer Finance to have this EXTREME FRAUD and LAUNDERING Under MY NAME Investigated. They explained I should submit a complaint online or in writing as well. I would have no problem with proving these accounts were never mine! Cell # XXXX Thank you, XXXX XXXX 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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: OH

Complaint narrative:
I recently received a collection account on my TransUnion credit report that I had on idea about for {$810.00} from XXXX XXXX with original creditor being XXXX. I immediately contacted XXXX XXXX about the account and was met with rude comments and profanity about the account. Prior to this appearing on my credit account I have never received any type of correspondence via mail, email, or phone about this debt. They listed the account as opened on XXXX XXXX, XXXX but when I contacted them they informed me that the debt was from XXXX. I informed them that I didn't recognize the account and they told me that they wouldn't verify the debt and that it was my responsibility to file a police report on the debt? I have since contacted XXXX and they also have no record of the account under my name in XXXX, OH. XXXX XXXX   refuse to remove the account from my bureau with false information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc.
State: WI

Complaint narrative:
I purchased a visa gift card ( issued by XXXX XXXX XXXX and distributed by Blackhawk Network ) to use for online purchases, and on XX/XX/2018 I used it to charge {$54.00} to purchase an item. In XX/XX/XXXX, I contacted the merchant as I did not get my item, and was told via email on XX/XX/2018 that I would get a refund. Upon learning I would get a refund, I checked my visa card online at XXXX, and it showed I had a XXXX balance, so the refund had not come through yet. The following day, when I went to XXXX, it told me that the card number I entered was invalid, and that I should contact the merchant I bought it from. I then tried to call their customer service number off the back of the card, but got the message that the card number was not a valid number, and was not given any options to talk to a person to find out what happened to my refund. I had to use a different visa card I had purchased to finally get to talk to a representative, and was informed that the card had been blocked due to the refund, and that the money would be available in 3 days, but I had to call back to get the card activated after the three days. When I called back again on XX/XX/XXXX, I was told that it would take another 2 days to have the money available, at which time I demanded to talk to a supervisor, and finally got my money. I wasted over 2 hours in total trying to get them to reactivate my card that they deactivated when the refund came in, which they won't compensate me for. I am positive the issuer has instituted this policy to steal refunds from cardholders by making it impossible to check on their cards to see if the refund has come in, and by making it extremely time-consuming to get the card reactivated after they deactivate it. When I finally got through to the last person, he wanted me to verify the date of the purchase in addition to all of the background information I previously supplied to the other customer service people in a final attempt to delay giving me my refund - and since I could not look at my online history for that card, I was lucky I still had my email receipt or they would have further delayed the refund. I want this policy stopped - it has happened to me with other pre-paid credit card companies on 3 other occasions ( when {$1.00} charges appeared on my card which were not authorized, and when I disputed them, they did the same thing to the card, de-activating it and not allowing me to see any information on it or get info via the customer service number ) and while it is not financially practical for individuals to do so, it clearly is in the best interest of all comsumers that you do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
Hi, I have initiated a money transfer with Ria Money Transfer on XX/XX/2018 and normal processing time was 2 to 3 days. It's been more 14 days and whenever I contact the customer support they are mentioning the amount will be credited in 24-48 hours. I have been hearing this for past 10 days and so far no action. Tried reaching out to the supervisors in Ria customer support but no one is available to support this.

I have been following up with Ria for a Refund but have not got any positive response for past 10 days.

Please find the Transaction Number 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 monetary relief