vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
My Dad purchased a refrigerator at the XXXX Store in XXXX, Texas, through XXXX ( aka Tempoe ) on Saturday, XX/XX/2019. I paid for half of the price from my debit card while he paid for the other half cash. This was the beginning of our problems. The refrigerator was supposed to have been delivered on XX/XX/2019, The delivery team was rude to my XXXX, XXXX  father, and never delivered the merchandise. On XX/XX/2019, I rushed my father to the emergency room where he was subsequently admitted into XXXX. On XX/XX/2019, prior to being XXXX, he gave verbal notification to XXXX that he would be cancelling the refrigerator. Sadly, he died on Saturday, XX/XX/2019. On Monday, XX/XX/2019, I went to XXXX and spoke to the manager to submit paperwork to XXXX  to inform them of his death and to have them process the refund in my name. The documentation was faxed while I was at the store office. I had been following up with XXXX, but, to no avail. From what " XXXX '', the district operations manager for Tempoe told me, documents received between Monday and Wednesday would yield a check release on the Friday of the same week. By his statement, the check should have been mailed to me on Friday, XX/XX/2019. For reasons unknown to me, XXXX did NOT process anything in the timely manner alleged and the check was allegedly mailed on Friday, XX/XX/2019. I have attempted to get the corporate telephone number to Tempoe to formally complain about the rude and insensitive manner in which I had been treated by " XXXX '' and XXXX/Tempoe. When I asked for the corporate number, XXXX would not provide it to me. Instead, he talked down at me and was quite rude. He kept giving me toll free numbers that wound up being answered by people who were not even in the United States. When I demanded the corporate telephone number, I was given what turned out to be a mobile phone contact. As of this writing, I have not received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
I opened BBVA money market account on XX/XX/XXXX from BBVA website, the opening advertisement says : With an account balance of $ XXXX, earn 2.50 % APY plus {$100.00} bonus opportunity. The requirement is : to open by XX/XX/XXXX and maintain balance of $ XXXX between XX/XX/XXXX and XX/XX/XXXX. 

I have finished the requirement since XX/XX/XXXX. But I still haven't received the bonus yet. Try to contact BBVA several times, with no results. All the representatives tried to find excuses to postpone the bonus as promised. 

I attached offer terms of the {$100.00} bonus when I opened the account, as well as my account balance history showing I have met the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: AR

Complaint narrative:
Kohl 's credit card. When I called and paid the credit card. Kohl 's repeated turning me into the credit bureau twice after payments were made. After I leave here I am driving to Kohl 's department store and paying the card completely off. I paid the card over the phone and the report still says I owe {$83.00} dollars. I am taking a {$100.00} dollar bill to Kohl 's and then I will owe nothing. Inaccurate reporting. I tried to dispute this with Kohl 's and No solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: CO

Complaint narrative:
Our loan officer, XXXX XXXX, NMLS # XXXX, from Key Bank, had stated that the processing and closing can take a long time with the bank. We were ok with that and entered into a 75-day rate lock starting in early XXXX. We were attempting to refinance and do a second loan for cash out. 

We received an email from the processor in the first week of XXXX claiming the loan would be closed by XX/XX/XXXX. We sent every document requested immediately. 

After the email from the processor, we did not receive communication from anyone for weeks. We repeatedly called our loan officer and he never answered the phone or responded to our voicemails. We emailed the processor, loan officer and closer, all  copied on the email from XXXX, and nobody responded to our emails. 

XXXX comes, and we still have not heard anything back from the company about when the loan is going to close. Finally, the closer emails us and asks for more documentation that we provide immediately. 

The first loan appears as if it will close before the 75 day rate lock expired, but the second loan did not appear to be able to close in time.

We still have not heard back from our loan officer at this point and we decide we're going to go with a different bank and email everyone in the loop as such. Lo and behold, the loan officer calls and needs more documentation, which we provide without delay. 

Amazingly, Key Bank is able to close both loans on XXXX XXXX, meaning the funds and payoff should be delivered by XX/XX/XXXX. There was money due from us at closing which was something that our loan officer, processor or closer had not communicated to us. 

We close on the XXXX, but the bank did not pay off our mortgage servicer or pay us until the XX/XX/XXXX. When we were concerned about where the money was and why Key Bank did not pay off the holder of our mortgage, we called the loan officer again. He did not answer and did not return our calls until after the loan had funded on the XXXX. The processor, loan officer and closer also did not respond to emails and questions about the payoff being late. 

We contacted our previous mortgage holder, the title company and eventually the customer service line at Key Bank, and no one could provide any explanation as to why the money was not sent on the day it was supposed to be sent. We still do not know why Key Bank took extra days to fund our loan. 

We are extremely upset about the absolute lack of communication throughout the process and are filing a complaint so others know not to trust Key Bank when it comes to mortgages. We also had to pay {$500.00} up front for an application fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
Waypoint Resource Group , LLC # XXXX, a collection agency got my account that was paid in full to XXXX on XX/XX/17 by XXXX, an affiliate of XXXX XXXX XXXX XXXX that helps XXXX XXXX patients. My XXXX, XXXX XXXX, helped me apply for this grant onXX/XX/17 and I was awarded {$1500.00} on XX/XX/17. They paid this and my other bills directly to my creditors. I tried without success to tell this to this collection agency. I even told them to verify this with XXXX XXXX with XXXX at ( 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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC
State: CA

Complaint narrative:
Today, XX/XX/2020, I received a letter from Century Credit & Collections , LLC. This is the first time I have received a letter with my daughters name attached. It states false information. I called the company and spoke to XXXX XXXX who wrote the letter, she has always been nasty and mean to me in the past so when she knows its me she automatically is rude and careless about my concerns, her tone of voice and rudeness has proven she does not like me. I explained to her this is the first time with my daughters name attached she said oh yes, you have several accounts in collections with us explaining mine and now my daughters, so she combined her bills with mine and she said the amount and I stated no my daughter has a primary insurance and secondary and I have provided anything the union has asked for, she cuts me off and stated it doesnt matter that they are a third party company and she doesnt discuss insurance I said no insurance will pay she said too bad that this will be reported and it will damage my credit report. I told her I dont care ( because Im Upset, shes always rude and mean to me always threatening me ) and I know where to file a claim and she hangs up on me. I called back requesting to speak to the manager and she said she was and I said ok well you have issues and I will need to go above her because she would not allow me to leave a complaint, and she said she doesnt care and that she will notate that on my account and hung up on me again. 

Back to the union, every-time I spoke to the union they said all bills have been paid. This is the first I am aware this bill went to collection ( for my daughter. ) all my daughters bills have always been covered. I have emails correspondence with the union for any documents they request in order to cover my daughter. All her other well baby check ups have been covered I dont understand why this one is now reporting incorrectly and is damaging 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 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
PayPal has PayPal Credit service which is handled by Synchrony Bank. As an option for the purchase over {$100.00} they offer deferred interest option for 6 months. But when you pay more than minimum payment due they apply extra money to this deferred interest part of the account, which has 0 % interest for 6 months, while regular part has more than 25 % interest. Obviously, it is a violation of the law requiring to apply payment to bigger interest balance first. I have called them once and they immediately adjusted payments re-applying it to the standard part. However, next time they apply the payment again to the deferred interest balance. Attached is my XXXX statement demonstrating how they adjust payments I have made. I also attached XXXX statement showing how they apply my payment to the deferred balance while expiration date was XX/XX/2020.

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 2020-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
After being served with papers indicating I was being sued by Rash and Curtis at home, they also sent a server to my place of work. They told the receptionist I was being sued. I had no idea up to this point that Rash and Curtis had bought my medical debt from XXXX XXXX XXXX. I had no idea who Rash and Curtis were. 
When I called them and explained the event occurred during a volunteer event with a church, and the church had said they would take care of of, they explained they were suing me and getting a judgement against me for 25 percent of my wages. I asked why they served me 1 ) by mail 2 ) at home 3 ) at work. They said that the servers were not their problem. I said they can't serve me at home, actually speak to me and identify me, and then 2 days later also serve me at my place of employment. They said yes they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Debit Card Disputes I sold my XXXX with my information still on it as I was told it would be wiped but it wasnt. Long story short my debit card was charged over a period of 60 days XXXX Ethernet over 40 small transactions. I talked to XXXX and they advised they looked into it and would be happy to refund me but my bank needed to request the refund. So I called Bank of America on XX/XX/30. The claim was opened and closed within days. The reason is because I did business with XXXX in the last. No investigation at all. I have an XXXX so of course Ive did business in the past but these were not my transactions and XXXX pulled up the phone and location to see this. The claim was reopened I provided the conversation transcript from XXXX to look into it again in XXXX I called five times  between XXXX and XXXX and was told no one had even looked at the claim or information provided. I then filed a complaint with a manger who was rude. XXXX what happened the claim was closed with no explanation and not decided on my favor. Still I contacted XXXX and Bank of America still never contacted them as of this complaint.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XXXX saying iam Delinquent and XXXX XXXX , XXXX  , ... .Iam unemployed from XXXX  in XXXX XXXX XXXX  XXXX.Me my wife fell down got XXXXShe fell XXXX XXXX i XXXX XXXX we tried working one light duty but XXXX  Ast Manager over work us, and Workmen Comp says we have to stay working for XXXX  to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.Workmen Comp of XXXX  refused to pay us any compensatation because we dont work for XXXX.That is Stupid law to keep working for same Company you get hurt at.XXXX  employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage XXXX  / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX  and XXXX  for Inoice 's but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26  % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XXXX credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
On my credit report XXXX XXXX XXXX pull my credit Twice gave me more inquires so on XX/XX/2019 saying iam Delinquent and XXXX XXXX , XXXX , ... .Iam unemployed from XXXX in XXXX XXXX XXXX XXXX.Me my wife fell down got hurt.She fell XX/XX/2019 i XX/XX/2019 we tried working one light duty but XXXX Ast Manager over work us, and XXXX XXXX says we have to stay working for XXXX to get paid.We could not get better.we are under doctors care.My wife quit XXXX i quit XXXX turn in uniforms ect.XXXX XXXX of XXXX refused to pay us any compensatation because we dont work for XXXX.That is XXXX law to keep working for same Company you get hurt at.XXXXt employees managers make us work so hard we gone to XXXX and not getting better.Got behind on Mortgage MWR / XXXX County each one would Not keep Roads Clean so we can get to our property.Sometimes we had to stay in Motel for 2months due to rainy days muddy.Now we tempory live here in XXXX we are broke no money now to get back home.XXXX XXXX we ask them for over 6months we was in XXXX and XXXX for XXXX XXXX but they never sent us one.We should of had payment coupon Booklet there interest Rate is so high 26 % and we always paid {$50.00}. more amonth our payment is $ XXXX.we paid $ XXXX.most of the time.Payments due on XXXX of each month plus grace period of 10days.But XX/XX/2019 credit report had 2inquires.Now we trying to get those off credit and get arangements to get lower payment and get up to 45-90 days get caught up.We always paid on time on all our bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Error Resolution Demand Letter XX/XX/XXXX LoanCare Attn : Mortgage Resolution XXXX. XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX . 
XXXX, NC XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage and escrow on my property located at XXXX XXXX XXXX, XXXX, FL XXXX. 

I have made numerous requests to your company and talked to many customer service representatives and supervisors about the error that you company has created, but the issue has not been addressed. 

Your company paid an incorrect tax bill to XXXX County Tax Commissioner on  XX/XX/XXXX. The amount paid was {$4900.00}, but the correct amount owed was {$3300.00}. Your company representatives stated that they would seek a refund and credit my escrow balance. I explained that based on my experience with your company, that I had no confidence that this would occur and that my escrow payment would be adjusted upwards. This is now what has occurred. 

I just received my new XXXX escrow statement and the taxes have been adjusted upward by {$110.00} beginning XX/XX/XXXX due to failure of your company to correct this error. Your company has misappropriated funds from my escrow account and I demand that this issue be resolved immediately. I will not pay a higher escrow amount due to your companys error. 

As I write this letter I have been on hold with your company for over 45 minutes. I cant tell you how many hours I have spent trying to get your company to resolve this error. Your company without a doubt has the worst customer service I have ever experienced. 

I request immediate attention to this matter. I can be reached at XXXX or by email at XXXX. 


Sincerely, XXXX 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 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
*XX/XX/XXXX - 7 charges to a SunTrust MasterCard at a XXXX XXXX amounting to # XXXX ( 4x {$100.00} and 3x {$200.00} ). 
*SunTrust alerts me via text ; I respond immediately that these are not my charges. 
* ( the same day, XXXX XXXX XXXX. called w/ similar fraud charges at XXXX and immediately dismissed them from account when I assured they were not my charges ) * Approximately 2-3 weeks later I receive a letter from SunTrust stating that their investigation determined that these charges are my responsibility. 
* A long phone call followed with several people at SunTrust 's security/fraud division. After more than an hour, their conclusion was the same. The investigator cited " inconsistencies '' but no one could tell me what they were. 
* I visited my local bank mngr. several times and exchanged sevearl emails with him ; he tried to help but could not. A phone call from a higher regional exec. said the same. 
* During another call w/ ST, I was finally told that an inconsistency was that the card chip was used and because the card is in my possession, I must have used it. 
* XX/XX/XXXX - I wrote letter to Mr. XXXX. XXXX, president of SunTrust. His office called to tell me there was nothing they could do. 
* I spent more than an hour on phone w/ XXXX business div. who researched charges and found nothing at cited store ( XXXX XXXX XXXX, XXXX, DC ) or in any other XXXX store where this card has been used. XXXX case # XXXX ( I have NEVER used this card anywhere and card statements confirm this ). 
*XX/XX/XXXX - I filed police report w/ DC Police , file # XXXX. 
*XX/XX/XXXX - I called MasterCard.They can't do anything - in SunTrust hands. 
My next step will be to contact the DC Attorney General 's office. 

I don't know what else to do or how to use the police report to support my case. I'm at wit 's end and out of more than {$1000.00} which means a great deal to me. I am retired and live on SS and savings. I have banked w/ ST since XX/XX/XXXX and have 2 different accounts there including a non-profit for people w/ disabilities that has more than {$70000.00} in it and I have never bought a gift card for any amount at a XXXX. 
I'll appreciate any help or advice you can provide.

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