vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed discrepancy while accessing online account and reported to the bank immediately on XX/XX/2019. This account was active for over 10 years and has had two account holders, family. It also had a direct deposit setup from XXXX and bill pay. 

Below is an automated response received. 
I followed up with a phone call to report that this account was closed by a local branch without the consent or notification to either of the account holder and we believe this is fraud. The ticket was opened XXXX with a followup within 24 hrs. 
Instead the online account, the card and account was completely closed. 
The account was unlawfully accessed and closed. 
Also, we believe this is a violation of The Right to Financial Privacy Act. 

FRAUD ( XXXX ) XXXX Mon XX/XX/2019 XXXXXXXX XXXX This is an automated response. 

This mailbox is not monitored 24x7, Thank you for contacting BBVA Compass Fraud Group : Customers who feel they have been a victim of fraud should contact BBVA Compass Customer support immediately at XXXX ( XXXX ) or our international line at XXXX. 

BBVA Compass will never contact you to request this type of information via email or text *** For Non-BBVA Compass customers please contact your respective institution Know the Sender - Open emails only when you know the sender. Be especially careful about opening an email with an attachment which could potentially contain a virus or malware Protect your confidential information - Don't respond to any email that asks for your password, pin, social security number, or other personal information Be Suspicious of any email that sends your information and asks you to update or verify it. 


-- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I filed an application for a Capitol One XXXX credit card. Ten days later I received an e-mailed letter of denial. 

I am a retired fXXXX XXXX with stellar credit ( 800+, no adverse info ). I called and spoke with a senior credit analyst. He proved detailed instructions on how to file an appeal by mail. I did so, and after thirty days there was no response. I called again today and escalated the call to a senior credit supervisor. The supervisor indicated that the letter was received, and that reports did, in fact, show that I have excellent credit. She suggested I unlock all three credit reports again ( Ive done this twice before, my contact with the credit reporting companies have confirmed Capital One had received my entire credit report ) and that I should apply for a third time. 

Most importantly, there have been several indications on the phone calls that Capital One is engaged in some form of illegal discrimination, perhaps age-related, possibly in some other form. I sensed this as obvious in all of the telephone calls, especially as the representatives repeatedly used the pronoun Miss, instead of Mrs , or more correctly Dr . 

I request that your bureau conduct an investigation as to whether this is an ongoing pattern of behavior by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I have learned that I am the victim of Identity Theft and had to correct entries on my credit reports. At that I also pplaced fraud alerts and credit freezes on my reports. On XX/XX/2019 I was alerted to another derogatory entry on my credit report by Wakefield & Associates. On XX/XX/2019 I contacted Wakefield and attempted to explained what has happened the first person i spoke to, XXXX, staed that he could not help me and asked me to cal client services @ XXXX. When I called this number and spoke to XXXX, she told me that she did not help consumer, only clients and then hung up on me. My third call I spoke with XXXX and asked to speak to a supervisor, which was XXXX XXXX. Mr XXXX told me that he woudl be able to locate my account based on the last 4 of my SSN, then he told me he could not and he needed my entire SSN because he did not want to look through all the account to find the one with the last four. Then he proceeded to be very high pressure trying ot gain additional information, when it is I who needed the information and I clearly explained this was identity theft and I would be filing a police report. XXXX remained to be very combative and not very helpful. Wakefield & Associates has made no attempt, prior to 'my '' contact, to contact me even with a fraud alert placed upon my credit report. On XX/XX/2019 another derogatory entry was made by Wakefield & Associates against another credit reporting agency as well as an incorrect address, despite my conversation with Mr. XXXX on XX/XX/2019 and without verifying if the address they were reporting was correct or not. On XX/XX/2019 I have filed a police regarding this debt ( Calfin Police Dept Case Number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 a payment of XXXX was paid to the original creditor XXXX XXXX/ XXXX XXXX XXXX and was paid in full. The debt collection agency reported that {$160.00} was owed then it was updated shortly after with a XXXX balance but still open. I disputed the claim because the debt was paid in full. I received a statement stating that there was a balance of XXXX still due on the account. That amount was never reported. I went ahead and paid the XXXX over the phone on XX/XX/2019. I contacted the collection agency shortly after because they were still reporting a XXXX balance and that the account was still open

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Calls began today XX/XX/2019 they've called my work place three times this morning, and XXXX of my daughters. I asked to stop calling but they continue. One of the agents called me an XXXX and threatened to come to my work place in person

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 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ernst, Ernst & Artmann, Inc.
State: CA

Complaint narrative:
I tried to explain that this debt is not owed because the manager at the apartment complex this amount is for, reported this debt and lied about the amount when it was paid in full when I moved out of the apartment building, the collection agency has not been cooperating with me and a woman by the name of XXXX XXXX is the one who is in charge of this collection was very spiteful and because I told her I wasnt paying this debt she went and ran a hard inquiry on my credit report, there was no reason for her to run a hard inquiry! Ive tried to get in contact with her and shes not answering, I DONT OWE this money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At the end of XX/XX/2019, I took out a Chase auto loan to purchase a new vehicle. On XX/XX/XXXX I made several calls in an effort to pay off the loan. I was told that I could only pay up to {$5000.00} per day by transferring funds through their website or {$9900.00} per day over the phone. I proceeded to do what was advised. Over the following week, every transaction I successfully made was reversed by the company a few days later with no explanation given. 

I ended up paying off the loan in full at a local branch on XX/XX/XXXX. Chase auto loans has charged me interest for the period of failed transactions and it has failed to provide an explanation as to why my transfers were not credited. My attempts to rectify this matter through the Chase Executive Office have also been unsuccessful. Their response has been that the routing number I provided was wrong. This is obviously incorrect, because I did transfer funds from a Chase account to a Chase account by phone. Chase had every opportunity to catch any errors and alert me. They did not. 

I have been told that Chase Auto Loans and Chase Bank are separate divisions, with systems that do not communicate with each other. This information was not given to me. The inability of Chase to process my payments has resulted in countless hours of waiting on the phone, additional interest charges, and a great deal of frustration. 

The accrued interest is not a significant amount in my case. But the practices of the company raises serious questions about what appears to be a practice of unfair interest overcharges. I request and hope that your agency will investigate the practices of Chase for the sake of customers who are in the same position as I am. I am sorry to say that Chase is no different from XXXX XXXX, and the sooner someone looks into their practices, the better.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: MD

Complaint narrative:
Rash Curtis and Associates are reporting that I owe {$530.00}. The account was opened on XX/XX/XXXX. Initially, there were three separate accounts that Rash Curtis was reporting that I owed. I submitted a Dispute on XX/XX/XXXX. Which resulted in them removing two of the three accounts but they are still reporting that one account is accurate. This account is inaccurate and I would like it removed from account as soon as possible. I believe Rash Curtis is reporting on behalf of XXXX XXXX in XXXX, CA. If I were ever a patient there, I would have had valid health insurance. I believe theyre are trying to double collect on a bill and it is unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It comes with displeasure to have to send an e-mail to you regarding a situation, I have made several calls and as of this morning it is not resolved. For the last 5 years I have been a credit card customer and have always maintained a great line of credit. I have also enrolled in auto pay to ensure that my monthly payment are made in a timely manner if the balance is from {$1.00} to a XXXX. I have authorized charges amounting to {$2600.00} with XXXX XXXX. On XX/XX/19, I logged on to Capital One to pay the {$2600.00} charges and received an error message that the maximum amount that can be paid is {$2200.00}. I backed out of the account and reentered the amount of {$2200.00}, which I got a message completed. On XX/XX/19, I notice that a total of {$4800.00} was removed from my account and paid to Capital one. Immediately I called Capital One and spoke with a supervisor identified as XXXX # XXXX, and advise her of the issue and requested that the {$2200.00} be refunded/reimbursed to my account. She indicated that she would process a claim to have the funds refunded. On XX/XX/19, I notice that the fund were not returned so I call and spoke to a supervisor identified as XXXX XXXX XXXX who advise me that it would take up to 5 days to have the funds transferred to my bank. Today I called and spoke to XXXX # XXXX who advise me that the timeframe for payment investigation takes up to 5 business days. I am astonished on so many levels with this situation. First how was the {$2600.00} taken when it error out? Then why would the system allow so much money to go into one account when my account balance was only {$460.00} that was scheduled to be auto pay on XX/XX/19. Also, after the error we discovered that too much money was deducted and attention is brought to your company why am I forced to wait so long for the error to be corrected? Why was the {$2600.00} that wasnt authorized to be removed from my account. Finally why did I get three different explanation of how this error would be corrected? I also ask that a paper check be overnight to me and was advised by XXXX and XXXX that your company does not have the capability to send me a paper check. 

It sadden me in this day and time when an issue of this magnitude happens there is no exception to company policy that can had an issue resolved in a more timely basis. I await to hear from you and if you need to speak with me my phone number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I sent a letter to XXXX XXXX ( Wells Fargo ) on XX/XX/XXXX. I received a reply XX/XX/XXXX from XXXX XXXX. One of the key complaints in my original letter was " Account removed from review XX/XX/XXXX '' and a related paragraph labeled " Customer Service ''. I do not feel Ms XXXX addressed this satisfactorily since she did not deny their representative, XXXX XXXX, did not respond AT ALL to my questions on the loan modification contract which was the turning point in my ability to get a modification. I had made the trial payments on time and would have signed a modification if my questions could have been answered. I feel that Wells Fargo owes me a new modification. 

In addition, in an earlier letter dated XX/XX/XXXX, Ms XXXX referenced the inability to make anything but full payments during the modification process. Specifically, their system would not allow the payment I wanted to make in XX/XX/XXXX and more generally, she suggested full payments be made in the future to prevent any issues. I would like Wells Fargo to correct my credit reporting history of late payments during the modification process since I feel this was an issue with their system and not my lack of financial cooperation. This has REALLY destroyed my credit and my ability to refinance locally.

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 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2019 I submitted a complaint to Equifax and disputed several items. In that dispute I requested to get the information they had to prove the accounts were valid as several of the accounts were not in fact valid. The dispute came back with only wording stating we verified that this account is in fact yours and no information to back up if it truly is mine or not. No way for me to verify or validate that it is mine as several of the items are still questionable. Several inquiries on my report were not done by me or given permission to obtain my report. Equifax has refused to remove them. They are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax mortgage services. I did not give these companies permission to run my credit. 

There are a few accounts as well showing on my reports to which I have not received any validation from them or Equifax showing they are true and valid. They are as follows : XXXX XXXX they just tell me that this item belongs to me without any validation to the actual item. 

XXXX XXXX  they just tell me that this item belongs to me without any validation to the actual item as this account was input with my bankruptcy which was XXXX and has since been removed from my report. 

The XXXX XXXX XXXXi they just tell me they have verified that it belongs to me when theres nothing that says otherwise and no proof. 

XXXX XXXX XXXX also tells me that they have verified that the account belongs to me and nothing shows further from the truth except taking the companies word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX sent a wire transfer through XXXX XXXX XXXX  to USAA Federal Savings Bank with a copy of my voided check, wire instructions and a copy of the Receipts and Disbursement Ledger in the amount of {$42000.00}. This was money I received from the sale of my house in XXXX XXXX XXXX Florida. At the time of closing I was not present due to a job transfer ( XXXX ) on XXXX XXXX XXXX, from Florida to XXXX XXXX CA. Immediately upon arrival I began preparing for XXXX to XXXX and I had forgotten about the money and I fell ill. I had two major XXXX. Years passed before I remembered and tried to recoup my money but USAA says they have no record after 7 years. My name on the check was XXXX and I had gone through a divorce in XXXX but had not changed my name on the account. The information tired to that account should've matched my present account and there was never a lapse. I've been a constant member of USAA for over 17 years. I will attach a copy of the " Receipts and Disbursements Ledger from the XXXX XXXX who closed the sale, a copy of the Outgoing Wire Request Form and a copy of the Voided Check with my name and account number. If you have any questions do not hesitate to contact me. Please help me get my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I received a mailing stating that my father had a reverse mortgage with XXXX XXXX XXXX llc. and they wanted to know what our intention were for the property along with requesting other information concerning my father 's passing. I promptly returned all information requested stating my intentions were to retain the property. While constantly keeping in contact with them approximately every thirty days sending them updates etc.. At no point did they alert me to the that the property was referred for foreclosure in XX/XX/XXXX or that the property was in foreclosure as of XXXX/XXXX/XXXX. It just so happened that I received a letter on XX/XX/XXXX from XXXX the attorneys that were retained by CELINK the servicing agents for XXXX  XXXX XXXX llc. stating that they were retained to collect a debt in the amount of {$200.00}, XXXX. So, I responded with letter requesting validation of debt among other items. Then on or about XX/XX/XXXX I received a phone call from a CELINK agent out of the XXXX, Tx. ( XXXX ) operator ID # XXXX. It was at this time that I learned of the foreclosure status and I mentioned to her that this smells like fraud, fraudulent concealment to be exact ; because no point was I notified of foreclosure proceeding by mail, by phone or in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I HAVE BEEN TRYING TO MODIFY THE EXISTING MORTGAGE WITH A NEW COMPANY, SELECT PORTFOLIO. THIS COMPANY IS GIVING ME HARD TIME WITH THE DOCUMENTS EVEN THOUGH I HAVE SENT DIFFERENT TIMES. THEY ARE SAYING THEY ARE NOT RECEIVING THEM. 

I HAVE BEEN SENDING NEW DOCUMENTS LIKE 4 DIFFERENT TIMES. THEY ARE PLAYING ME. 

RECENT I PAY TO AVOID FORECLOSURE. NOW THEY SAYS THAT I NEED TO PAY MORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
I was notified in XX/XX/XXXX via phone by Blackwell that I was in collections with XXXX for my quarterly dues, which in fact I was and did not dispute, due to incorrect ownership information. They had my ex husband 's contact information, and I am the owner by court order of the XXXX XXXX. I paid those dues once notified on XX/XX/2019 directly to XXXX, as that is who my account is with and whom I should have been paying. I was notified mid XX/XX/XXXX that I owed an addition {$75.00} for late fees, by my EX HUSBAND, who received a call, I went the same exact day and paid the {$75.00} on XX/XX/2019 to XXXX for a late fee. I received a call on XX/XX/2019 from Blackwell stating I now owe over {$200.00}. I have tried getting information from XXXX and Blackwell. I have sent a request in writing requesting a detailed statement of everything I have been charged, and why, when the payments were received and posted. I also have asked that all fees be in line with my original contract with XXXX. They are not responding to my request. They are only leaving voicemails. Please advise on how I can get help. I believe that XXXXof the $ XXXXis my quarterly fees due XX/XX/XXXX I am willing to pay, however, I should have been told that previously. I am not being notified until it convenient for them to 'collect '

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