vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 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: U.S. BANCORP
State: CA

Complaint narrative:
I applied for the US Bank Cash + Rewards Visa credit card in XX/XX/2017 through a promotional link on US Bank 's website -- the information for the promotion was to receive {$150.00} bonus after spending over {$500.00} with the card in the first 90 days. I was approved for the card, it was mailed to me, and I used it well beyond the required spending amount to receive the promotion. I waited the appropriate amount of time before requesting information about the promotional bonus, and when I did request why my bonus was not applied to my account, I was given different information by different people, and finally when speaking with someone in a supervisory position over the phone I was informed that I would need to ''submit proof '' of the promotion I had applied for to a postal address or via email. I did inform them that there was no physical paper trail as this was an online application, and the only information I could provide was the link that I clicked through on the promotional offer page on their website ( please see attached screenshot ). US bank agreed that I had indeed followed all correct steps for the terms of that promotion, but continued to insist that I provide proof to them that I had applied for the promotion in the first place. I have spoken with them a number of times over the phone, emailed them, and am still getting this insistence that I should have ''paper records '' of an application that was made 100 % online, and they are even responding to my requests via postal mail with this same story. I have requested that someone escalate this and look into my actual account, and they have stated they will ''work on it and contact me '' and I have had no response other than the same request for ''paper records '' to be faxed or mailed to them. I would not have applied for this card outside of the promotional offer, and US Bank have absolutely taken advantage of me with false advertising for a bonus they refuse to grant -- they will not work with me on this and will not provide any further information to me about why. This company is operating under false advertising and are scamming customers into applying for products they do not want or need!

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 2018-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Basically every year I have to get labs done through my doctor for my XXXX, and I pay the doctor for the labs. but the lab company " XXXX XXXX '' is double dipping the bills. They charge the doctor, the doctor pays, and then they send me a bill for the same labs the doctor payed. Now they got the accounts in collection, and they mess my credit score.

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 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job in XX/XX/XXXX because they tried to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Identity theft fraudulent accounts mid XXXX XXXX XXXX XXXX  keep deleting and adding accounts back on my credit report under my open and closed accounts These account do not belong to me and I didnt no open or apply for any of these accounts The creditor also change is to the XXXX XXXX XXXX and put it back on my credit report XX/XX/XXXXAmount XXXX XX/XX/XXXX Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Around XX/XX/XXXX my credit card with chase was shutdown without any notice to me. I had been a long time cardholder of many years with them, and when I called support I was told my account was closed due to too many credit limit increase requests and returned payments. Unfortunately I had accidentally used the wrong bank account for two or three payments over the span of 2 months, but I immediately rectified the issue by doing a new payment from the correct bank account. Around this time in XX/XX/XXXX, I had made two large lump sum payments because I realized the last payment I had done a week before, was bounced. I did not attempt to use my card after the two large payments went in. A few days later I did try to use my card and realized the account had been closed the day AFTER my payments went through. In essence, Chase essentially stole my money and shutdown my account because of an accident I made. They are ruthless and utilize draconian methods. They do not care about the consumer and my attempts to explain the mistake and the situation was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried and tried to create an account with Equifax to no avail and I checked with XXXX XXXX and saw that there is no history of credit but my XXXX  does. Is there any way I can sign up online to view my credit reports or be sent my credit reports? I am in need to see it due to lending purposes. I called and no one was able to help me about this situation. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid a bill on the XXXX by phone. It was to XXXX. It immediately was deducted from my balance. The next day I transferred XXXX into the account. Then the next day the VA transferred XXXX into my account. Immediately I transferred XXXX into a separate account and had XXXX. I went to the ATM and withdrew XXXX  and the receipt said my AVAILABILE Balance was XXXX.

I then went to XXXX and spent XXXX which left my balance at XXXX.

When I called my bank they claimed my balance was XXXX and I was over drawn by XXXX   XXXX denies any purchase if funds are not available. My bank never approved any of my past XXXX transactions when there were no funds available and I have proof by ever email that states that the transaction was denied by my same bank. They stole the XXXX and claimed it was an XXXX  purchase. The first time I called they said it was the XXXX bill. The 2nd time they claimed it was a purchase I made for XXXX using my pin. The 3rd time I called back they claimed it was the XXXX  purchase but my account did not reflect the XXXX   available balance. They messed up the actual management of my account on a Saturday.XX/XX/2018. There are accounting errors and internal corruption at Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02 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: OK

Complaint narrative:
Synchrony bank - we purchased a couch and were offered 0 interest for 12 months on financing. After signing up for this, one month later we found out it was a credit card. We made payments and after 12 months we owed {$300.00}. Next thing we know we were backcharged interest and only realized it 90 days after the charge, so we were charged an additional {$700.00}. We were never told this was deferred financing and we thought it was normal financing, and that we would be charged interest on the balance owed and not tr full purchase. I contacted the bank several times and they would not assist in refunding this back interest. I paid the whole amount off after dealing with them for 3 days and getting nowhere. The issue here is they allow untrained people to talk you into these cards and you are never told that you will be back charges interest. In my case I would have just paid the rest of the amount off and avoided the extra {$700.00} charge had I been aware of this.

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 2018-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time, I somehow genuinely forgot to make a payment to this credit card. I made a payment arrangement once I found out that I did not make the first payment ( XX/XX/XXXX ) and fixed the missed payment with the representative and I was also under the impression that my XX/XX/XXXX payment would be included in this agreement. However, to my surprise I was once again late on another payment for XX/XX/XXXX. Once this happened for a second time I set up automatic payments as these were honest mistakes and I did not want it to happen again. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have both of these removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help immensely. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
During the time that I was paying this credit card, I was working two jobs in college and while all other payments were on time. I missed the payment during XX/XX/2016 and it was an honest mistake because I was focusing on school and forgot that I had this bill to pay. I spoke with a representative and they informed me the would be unable to remove the late mark from my report at the time, that is why I am asking for reconsideration now. I have a 98 % on-time history and this incident was about 2 years ago now. I spoke with the representatives around the time and they informed me that they were unable to remove the " late '' payment, now after consideration I would greatly appreciate it if I could have this removed as I have not missed a payment or been late since this time. Not to mention, I was younger and did not understand the importance of credit at the time. I am now trying to increase my credit score and this would help  immensely. Thank you for your time and consideration.

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 2018-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I have purchase XXXX XXXX XXXX after trying move money around I found I could not meet they terms of the deal. I pointed out after 3 day I could not meet they term. So I brought the back to the truck and the paper work and keys.The company had promise me that would put a back cover on the truck which did not happen. That did not happen causing a problems between us. Now they it on my credit report barring me from obtain another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FORD MOTOR CREDIT CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I went to the Auto Dealership, ( XXXX XXXX, XXXX XXXX, NV XXXX ) to roll my lease into a purchase. I met with the salesperson who I used to purchase the lease in XX/XX/XXXX to talk about what options I would have to buy the car. He told me he would have to submit the information for approval since I am retired and on a fixed income. Later on that afternoon he called me back and said that I got approved @ a 9 % interest rate. Later on I XXXX " Interest rates on used cars '' and the current standard industry is around 4.5 %. The next day ( today ) XX/XX/XXXX I went back into the dealership to see if I could negotiate a more reasonable interest rate since I felt like they were gouging me. At one point during our conversation with the counter person who handles the loans the sales person looked at him as we were discussing the loan and said ... Isn't the rate@ 9.5 %? Yesterday it was 9 % and today it is 9.5 %? We continued on for a while and the counter person said ... It isn't us it is the main XXXX XXXX XXXX company that is setting the interest rate. A few minutes later we were still haggling and he said ... '' What do you want a point off ''? After that I started thinking if it was XXXX XXXX XXXX and not the Local Dealership were I was at making the decision on the interest rate ... Why would he be making that statement? He also mentioned that if I had a job he could get me a lower interest rate? Isn't that discrimination in lending? Why should I be treated any different than anyone else? I have been in this lease almost 3 years and have never missed a payment. Also the counter person kept mentioning that it was them ( XXXX XXXX XXXX ) not us setting the interest rate. I also have a credit score of over XXXX. So I just found this on XXXX ... 

Auto Loan Interest Rates | XXXX XXXX, a division of XXXX XXXX ... 
XXXX XXXX XXXXXXXX XXXX XXXX, Term, Interest Rate, APR**. 740 & Above, 0 to 48 Months 0 % Down Payment, 4.00 %, 4.00 %. 740 & Above, 49 to 60 Months 0 % Down Payment, 4.25 %, 4.25 %. 740 & Above, 61 to 72 Months 0 % Down Payment, 4.50 %, 4.50 %. 700-739, 0 to 60 Months 0 % Down Payment, 5.50 %, 5.50 %. 650-699, 0 to ...

According to the above I should get a 4 % loan w/a 750 or above credit score and my fixed income should not reflect the outcome of the interest rate XXXX XXXX wants to charge me. Also note the new car financing in the area is@ 0.9 % and 1.9 %. Hope you can help me with this as it saddens me that a reputable Corporation would want to gouge their customers just because they think that their behavior is appropriate. Anyway, thanks for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I started working on my credit this year so i pulled my report and there was a collection account from Receivable Management Comp on my report. Ive sent in numerous letters for validation of this debt and have yet to receive a response. The debt owe is {$88.00}. I recently checked my Secretary of State website for the state of live in and this collection agency is NOT licensed to collect by law. This account needs to be deleted and removed from my report to report accurately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Account # XXXX To whom it may concern : I am a borrower with a residential loan from Fay Servicing LLC in default.

As for now Fay Servicing Is currentlydual tracking my request for a loan modification, while simultaneously  proceeding towards a foreclosure sale date XX/XX/2018 which I believe is a violation of Cal. ( Civil Code 2923.6 ( c ) - ( d ), Section 2923.6 ( c ) addresses the problem of dual tracking, in which financial institutions continue to pursue foreclosure even while evaluating a borrowers loan modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
account was closed chase is displaying a debit to the account misleading me to believe it was my deposit sequence numbers don't match also there were 2 transactions done they only show me one of them and routing transit number use on # 2 item of item processed on 2017/XXXX is XXXX which if you look on the check it clearly has printed XXXX ( image attached ) also why is there a black line across the back of this returned item ( check ) covering information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01 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: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
Meridian Financial has fraudulently reported a single collection account obtained from XXXX XXXX as three different accounts to both XXXX and XXXX. I have written to them several times to correct this error and received a statement confirming that this is indeed a single account but my demand for correction to the reporting has been ignored. Attached is my statement from XXXX XXXX confirming that this is, in fact, one single collection regarding a single XXXX XXXX account and not several.

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 2018-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I ordered some items by mail on or around XX/XX/2018 with my XXXX store card. I received an alert with the XXXX credit Bureau that an hard inquiry had been made against my credit. The evine card had large credit limit and was open in good standing. I don't know why they felt they had to check my credit. I would of preferred that they contact me or not honor the order if there was going to be a problem. I called and spoke with an unknown representative about a week later and was assured that the inquiry was going to be removed to no avail. I would just like the inquiry be taken off since I already had the card. There was no need to place an hard inquiry against my credit.

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 2018-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
I have paid this company every month. They call me repeatedly even after they have been paid, Four to Five times a day. as early at XXXX XXXX in the morning. YES, I owe them money, but I cant pay them until I get paid, and I pay them every month. Recenly I was in very sick with XXXX, and I'm not thinking about paying anybody. They received their payment and then they dinged my credit for being past thirty days. I get it, but have a heart. I've written on my payments, its all the money I have. They cash the check, then call me five times in one day. They wont stop. There robo calls. I don't answer because then I get yelled at. I'm done. I pay these people every single month. Yes, The pay might be five or even ten days late, but they get paid every month when I get paid. This harassment has got to stop. They can call me once a day. but five, six and seventimes a day is XXXX, and then to get yelled at when trying to explain I'm sick. Please tell them to stop.

Company response to consumer: Closed with explanation