vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Every six months like clockwork Capital One uses a discriminatory " fraud detection '' algorithm to temporarily close my two accounts ( primary Capital One Venture card and Walmart Capital One card ). I have address this issue on at least 3 other occasions with the company and they still shut my account down 1-2 times a year. This never happened before XXXX as far as I can recall and I've had the Venture card at least 6 years and I've had the Walmart card for probably 4 years at this point. 

The process goes like this. I go to use my card at a random time and boom, the card is declined. This is infuriating and embarrassing, especially when you have a XXXX  balance. It makes you look like a delinquent payer and that's not what I am. So I get no notice before I use the card that it's been suspended. Then when I call Capital One, I'm only told ( by a foreign agent with a broken accent ) that there was a " fraud event '' and I have to re-verify myself. EVERY SIX MONTHS. The last time it happened I insisted they tell me, after I " verified '' my same driver 's license that I've had for 5 years+. Haven't changed my name, address, date of birth, nothing. They told me it was my email address. The same one I've had for 25 years, a XXXX address, owned by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, based in PA, a company open since XXXX with hundreds of thousands if not millions of users in both the web hosting and email spheres. Capital One is discriminating against me based on a legitimate email address which has no basis in reality. There systems should never put an undue burden on the customer to prove that they are still the same person with no CREDIBLE evidence of fraud. And to FORCE me to REVERIFY myself every 6 months when every other customer doesn't have to do the same thing is the very definition of discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I called TD Bank on XXXX to request a closeout of a checking account that was opened in my name. The representative asked for my information and stated that they would close account out. They recommended that I file a police report. police report filed on XXXX. There was a {$0.00} balance and my local police department filed a report telling me that NY State data was stolen and accounts were being opened to collect unemployment benefits under fraud accounts. I received another statement from TD Bank on XXXX stating that the fraud checking account was still open and they could not close the account because I have to visit a branch in person to close the account. The nearest branch is about XXXX miles away from my residence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
XXXX : First complaint filed with CFPB Complaint Number XXXX ID FOR COMPLAINT SENT TO THE MONEY SOURCE INC . 
XXXX On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be the servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT  XXXX Tel : XXXX Email : XXXX And XXXX  gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX  Account No : XXXX XXXX XXXX ( new servicing company ) TMS informed me that my first mortgage payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

TMS was supposed to transfer this amount ( {$800.00} ) to XXXX ( new servicing company ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which I remitted to it would be transferred to MrCooper.com, but it did not. 

On XX/XX/XXXX, XXXX XXXX of TMS called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not receive {$800.00} from TMS.

I filed a complaint with CFPB, and TMS responded that it remitted {$800.00} to XXXX 

On XX/XX/XXXX, I called XXXX, my current mortgage servicing company and spoke with one XXXX XXXX. 

She said that on XX/XX/XXXX, XXXX wire transferred {$800.00} to XXXX, but on XX/XX/XXXX, the money was returned due to insufficient fund. 

Please see the attached statement by XXXX, showing the return of {$800.00} to TMS due to insufficient funds.

I would appreciate very much if you could ask TMS to refund me {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
We were exiting a COVID forbearance in XXXX, and we completed our three trial payments from XXXX, XXXX and XXXX. After that the default was not cured and our modification was not closed. We continued to make payments and have not fallen behind. However my modification is still not complete, 90 days after the trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XXXX XX/XX/2021, I received a fraud alert on my XXXX XXXX account that someone was trying to add a new credit card to an XXXX XXXX account. I already had the card added to my account and was receiving multiple one-time passcodes from XXXX within the span of 5 minutes. I immediately recognized it as suspicious behavior and looked at my credit card statement. When I looked at my credit card statement, I noticed 3 charges through XXXX that I did not make. I actually have never purchased from my XXXX account, however I do have a XXXX account. 

The charges are as follows : - XXXX XXXX XXXX  XXXX XXXX  for {$44.00} - XXXX XXXX XXXX XXXXXXXX CA for {$43.00} - XXXX XXXX XXXXXXXX XXXX CA  for {$45.00} I immediately called Bank of America ( my card holder ) and alerted them that I was receiving fraudulent one-time passcodes from XXXX XXXX  and that I received 3 fraudulent purchases, all at the same vendor, all around the same amount. Bank of America immediately cancelled my card, issued a new one, and put a hold on my account and issued credits for the fraudulent charges. 

On XXXX XX/XX/2021, I was charged for the fraud dispute on my statement. I had not received any information about my fraud claim and no one contacted me for further information or evidence. I immediately called Bank of America and they informed me that the vendor ( who they could not provide me the name of ) had proof that I had received the " goods. '' They could not provide me with the address they were sent to, what the goods were, or who the vendor was. I explained that I never made these purchases, never received any goods, and could show my XXXX account, XXXX XXXX fraud alerts, etc. They then informed me that there were no notes originally filed in my report and that they never knew about the XXXX XXXX  fraudulent OTP or that they had alerted me to fraudulent activity. Bank of America then opened up a complaint on my behalf since they did not do any investigating and didn't record my original notes. The complain number is # XXXX. 

Today, on XXXX XX/XX/2021, I received a letter that my re-opened claim was again denied based on the original information that the unknown vendor. They continue to not provide me with information from the " vendor '' on why they are denying my claim.

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 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. 

NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. 

NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. 
( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX  XXXX  XXXX  were never sent to us by US mail. 

Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. 

National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX  XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). 

NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: MD

Complaint narrative:
My name is XXXX XXXX and I have a complaint against BJ 's wholesale club. I am receiving a bill for a BJ 's credit card that I never requested or received. I am now receiving a bill for {$290.00} but have never a made any purchases because I didn't requested it and I don't have a card. The banking company Comenity wants to offer me a deal to pay half of the bill but I refuse to pay a bill for something that I never requested or have a card for to make any purchases. 

Please assist me with having this bill erased and the account closed out. 

I can be reached at XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX MD  XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc
State: NE

Complaint narrative:
My wages are already being garnished for the debt I own. 

What they did today is call me from XXXX. The call came up with my WIFE 'S NAME AND RINGTONE. The ID came up as my wife 's work number, but my wife doesn't work. The message was recorded. When I heard the recording I shut off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I currently have a credit card with XXXX, & was trying to get another one as every time I go to check my credit score itll say I only have 1 open account which is too low. So I decided to apply for another one & was denied a few months ago but I just thought I mightve typed in some wrong info or something or my credit score was too low but since then my score has increased tremendously so on XX/XX/2021 I tried again and this time is placed a hard inquiry on my credit file dropping my score a total of 14 points! According to Experian So I then decided to call XXXX to see why I wasnt getting approved as my credit score was Very Good '' just to get to the bottom of it. The representative then told me it was because the time of my open account isnt long enough which was not at all communicated to me! That little piece of info was not advertised on any of their websites or explained to me, The representative then proceeded to say a letter should have been sent out explaining why but I did not in fact receive any letter detailing any of my denials so the representative tried to get me in touch with another representative so they could send those letters out but I kindly decline as it would do me no good since the harm has already been done and her kindly already explaining to me my denial. I would have clearly stopped and waited the one year mark and not intentionally harm my credit file knowing I wouldnt get approved, If I had known of this info prior to my application for new credit I simply wouldnt of done it. I simply applied for a XXXX student cash back card as I am currently a student seeking to build my credit and the promotional offers says you dont need credit to be approved and that it doesnt harm your credit when in fact it did! Im really hoping to remove this hard inquiry from credit file and bring my score back up the 14 points that was deducted according to Experian which I can not get a hold of. Ive called Experian trying to get hold of a live representative to help dispute this lack of communication from XXXX but has had absolutely no luck. Ive reached out to Discover who then also told me I would have to dispute it with my Credit Reporting Bureau which is Experian for me and I simply can not get a hold of a real life person to help assist with my issue.

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 2021-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
Hello- Recently, we applied for a mortgage refinance with a company and had a bad experience and would like to file a complaint. Here are some details : Mortgage estimate provided on XX/XX/XXXX showed Origination charge ( points ) of {$180.00}. 
Closing disclosure provided on XX/XX/XXXX showed Origination charge ( points ) of {$1000.00}. 

Contacted the mortgage company on XX/XX/XXXX and XX/XX/XXXX regarding the increase in Origination charge from final estimate to Closing disclosure and was unable to get a timely response. Had to postpone the closing/settlement process due to delayed response from mortgage company. 

Explanations offered to date regarding the change in amount : 1 ) Property type changed from single family to PUD in the title search process sometime between XX/XX/XXXX and XX/XX/XXXX. 
2 ) DTI went up by a point from 22 % to 23 % 3 ) Loan amount went from {$390000.00} to {$400000.00} ( which is incorrect and we pointed out ) 4 ) Loan amount decreased under $ XXXX due to pay-off and they mentioned it was not our fault. 

Finally, they offered to extend us a {$500.00} discount for the inconvenience. We are still waiting for our final disclosure and set the new closing date before the rate lock expires on XX/XX/XXXX. 

We are still at a loss as to why we are responsible for the change in origination ( points ) from {$180.00} as quoted in estimate to {$590.00} according to the most recent verbal statement from a representative of the mortgage company. 

Also, we are waiting eagerly for the disclosure to move forward with the process and they seem to be stalling by not answering our calls, returning our voicemail or email messages. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
I had my credit drop 43 point for an account put on my report I did not owe. I disputed this amount and it was removed from my report but the next day the same company First Federal Collections called saying they were going to destroy my credit even more if I did not pay them {$140.00} when I asked for a detailed list of the charges they all of a sudden were not able to produce it and when I threatened legal action they said they would remove the debt. When I contacted who they said the debt was from I was told my account was payed and nothing owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Bank, Doing business as Santander Consumer USA has practiced unauthorized use of my credit card pursuant to 15 usc 1602 ( p ) I received no benefit. Santander Bank is in violation of the Truth in lending act and Fair debt collections act stating that I the consumer allegedly owe debt to them. I have sent this company an affidavit of fact with their listed violations and their racketeering activity such as extortionate of this credit transaction. Pursuant to 18 usc 1961 Santander Bank unlawful actions has cause distress to my life, ruined my reputation, interfered with commerce and dealing in an obscene matter and shall be punished by imprisonment for no more than 30 years and fined {>= $1,000,000}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
XXXX are charging me a FOREVER fee of {$8.00} and {$50.00} for a phone I already cancelled and paid for it. Because there is a forever fee I can not cancel my account. XXXX employees send me to XXXX and XXXX send me to XXXX. I think this forever fee is illegal.

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 2021-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In late XX/XX/2020 I became ill. It worsened in XXXX and we soon realized it was XXXX. ( I had been on an airplane from XXXX. ) It was so early in the pandemic, my doctor was unable to test me for the virus. 

When I got healthy in XX/XX/2020 I found that I lost my job, also because of XXXX. 

During this time, I did not make payments on my Chase credit card. I honestly thought the card was on automatic payments and wasn't paying close attention, since I was ill. 

Because I was sick, I didn't know about the various programs helping people out who were in financial distress during the pandemic. 

When I realized the error, I immediately paid what I needed to pay to get current. Shortly thereafter I paid off the card. 

I reached out to the executive offices at Chase, asking for the late payments to be removed, given the circumstances. They denied the request.

Company response to consumer: Closed with explanation