vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX of this year, I had reached out to Capital One for pre-approval for a mortgage. I was received a pre- approval letter stating that I was approved for a conventional loan for up to XXXX with XXXX down. I found a home and put in an offer and went into contract. This is where the issues began. Upon completing my application the loan officer ran my credit and my score came in at XXXX. Prior to my pre-approval my score was XXXX. I asked my loan officer why my score was different as they are the only ones who have touched my credit. I was never able to obtain an answer regarding this from the loan officer and her boss. I was advised that I would only qualify for an FHA loan regardless of what I put down. I was advised that I could not put down a lesser amount even though FHA guidelines state that I can put down XXXX. There was an appraisal issue with the home which me and the seller resolved. I changed my down payment amount the XXXX. So during the underwriting process I was given many different figures and then was advised that I need to put down XXXX and pay off my vehicle at closing and I can close on XXXX. Then I was told the next day that I will have pay off my vehicle with my bank. I talked to my loan officer who couldnt give me answers so I contacted their manager. He promised that I could close on XXXX and pay my vehicle at closing. The next day I given a document that didnt have the right numbers and was asked to acknowledge and sign. I refused and my loan officer advised that they will look into it. Then I was advised to put XXXX down and then XXXX down and pay off my car again. I took my concern to the loan officer 's boss and he advised that they are fixing the problem and they could not give me numbers until XXXX even though I am supposed to close on XXXX.They refuse to provide me any accurate documentation and gave constant misinformation numbers and approvaI. I ended up ending the contract to purchase the home and discontinuing the loan process. 

I had previously filed a complaint with the BBB and Capital One refused to take responsibility and provided false information in response to my complaint. 
The reason I am writing to your organization is that I was a victim of predatory lending. I am also writing to report their deceptive business practices. 

Attachments : I have attached two different email chains : Closing Disclosure : This is conversation with the loan officer about the closing disclosure that they ( capital one ) asked me to sign with the wrong amounts. 
Agreed Closing Amounts : This document had the down payment amount and closing date that I had agreed on with Capital One before they changed it two days prior to the closing date. 
I have also included their response to my BBB complaint that did not provide factual information. My rebuttal to this complaint is attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
O

n XX/XX/XXXX, I applied and was approved for Bank of America Business Fundamentals Checking Account. The offer attached to that account entitled : Receive a sign up bonus of {$200.00} when you open a new eligible small business checking account ( Business Advantage or Fundamentals ) with Bank of America and complete the following requirements : Make at least {$1000.00} in Qualifying Deposits into that new business checking account within sixty ( 60 ) days of account opening. On XX/XX/XXXX a deposit of {$1000.00} posted to this account. Few days later, Bank of America closed my account and sent me a check for the outstanding balance, they never disclosed the reason for closing my account. On XX/XX/XXXX, Bank of America sent me a letter stating the following : According to our records, the business checking account you opene
d online as part of our recent bonus offer, where you could earn {$200.00} is now closed. As a result, your account does n't qualify for this offer.

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 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Please refer to # XXXX submitted on X/XX/2017 regarding the issues with XXXX or XXXX. At that time - this company simply tried to put the matter under the carpet/rug. 
I am facing the same issue since XXXX. 
I have updated my XXXX profile so that with my cell # - my ally bank account is associate and NOT XXXX XXXX. XXXX XXXX was the old one and ally bank is the new one. 
But still anytime any payments which are coming to my cell # - it goes to the old account ( XXXX XXXX NOT XXXX ). I reached out to XXXX and then to XXXX XXXX ... everybody ask me to reach out to somebody else ... so no accountability and ownership at all. 

Today I called at XXXX during XXXX XXXX to XXXX XXXX  and talked to XXXX about the same issue. Case # XXXX has been created for this. All the calls are going to XXXX to some very naive customer service associates. When the customer wants to talk to the higher ups - they simply tell that even higher up will do the same. 
I end up paying fees from the bank due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: TX

Complaint narrative:
I contacted RISE Credit after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-05 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
An order was placed with XXXX XXXX XXXX on XX/XX/XXXX but never received. I called to see why it hadnt shipped and the XXXX XXXX XXXX  representative said they werent going to be able to fill the order until they didnt know when, so I cancelled the order over the phone. This was done on XX/XX/XXXX. The order had been paid for with the XXXX XXXX XXXX store credit card. 

I called the company XXXX XXXX XXXX a week later since I still had not received the credit card credit. They told me then that they had 5-7 days to refund the charge and that hadnt expired yet. So I called again when the time was up and they again said it would be 5-7 days. I then called the credit card company ( XXXX XXXX XXXX  credit card ) and they said they would put in a claim to have the charge refunded. No documentation was received and no record of a claim being made to refund the card exists. 

I called again in 5-7 days to XXXX XXXX XXXX company and this time they gave me a case number. When that 5-7 days expired on XXXX XXXX, I called again and they said someone would contact me in 1-2 days. That expired XXXX XXXX and I have not called again. The credit card company for the XXXX XXXX XXXX credit card still has not refunded the money nor have they attempted to contact me about the refund. This is extremely frustrating as the card balance was required to be paid without incurring late fees and has been paid, even though the refund was due nearly 2 months ago!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans.

On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. 

I thought I had paid back the {$1000.00} and was done with them. 

Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. 

I called and was told that I would get a refund of {$100.00}, because I still owed interest. 

I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. 

I would appreciate any help in resolving this problem and getting my money back. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: GA

Complaint narrative:
Upon investigating a background check a XXXX charges come up in 2016 in which I took case to trial and was found not guilty of all charges so this record should not be considered of my employment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized Credit Inquiries Ive Called them and Just wrote them asking to remove these credit inquiries from my Experian Credit File

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 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY

Complaint narrative:
My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month. 

So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed in my TransUnion credit file that its reporting that I had credit card with XXXX department store amount past due {$970.00} which I found to be inaccurate and it needs to come out of my credit file as other two credit monitoring companies did. I contacted XXXX they said they are responsible for TransUnion inaccurate information. I seek attorney advice she wants me to go through with CFPB first as this should have not being reporting in my credit file up to now.

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 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Orions Management Group, LLC
State: NY

Complaint narrative:
I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive called and wrote Transunion To Remove These XXXX unauthorized credit inquiries I do not have no accounts with this company ever!!

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP
State: NV

Complaint narrative:
U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.

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 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
To whom this may concern, *PLEASE ESCALATE THIS ISSUE TO CFPB OFFICERS AND LAW ENFORCEMENT OFFICIALS WHO DEAL WITH AML/BSA/MONEY LAUNDERING ISSUES* The attached documents are a series of money transfer documents that shows Western Union is and has been : 1. ) Failing its duty to reject suspicious transfers. 
2. ) Structuring transactions for customers to avoid red flags. 
3. ) Allowing multiple senders to send a series of transaction ( on the same day and often within minutes of eachother ) to avoid red flags. 
4. ) Allowing transactions to be received via a fake identification document ( with clearly fake names ) or accepting kick-backs for falsely verifying a money pickup without actually seeing a true identification document. 
5. ) Etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till 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 2017-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.

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 2017-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarFinance Capital LLC, Irvine, CA Branch
State: CT

Complaint narrative:
On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.

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 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Financial locked me out of my account and due to this I could not make payments and after trying to contact them numerous times, and not receiving a single answer, they moved my account into delinquency. 

I have now tried to contact them on multiple occasions and they seem to always be closed or unavailable to answer when I 'm being transferred.

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I moved out from a apartment complex following the proper procedures and never received any information that I owed anything until it popped up on my credit report that it was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
Multiple car companies and credit cards

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.

Company response to consumer: Closed with explanation