vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello CFPB, I am a victim of PAYPAL ID THEFT. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Someone created a Paypal account using my full name and email id XXXX ' around XX/XX/XXXX. My official email id is XXXX '. The email ID XXXX ' was one of my unused email ids and I have not used it in more than 6 months. 
They then accessed my XXXX XXXX XXXX Primary Checking Account with Account # : XXXX and two Debit Card Accounts with Account # XXXX : XXXX and XXXX. Then, unauthorized Paypal transactions fraudulently transferred money from my XXXX XXXX XXXX Checking Account with Account # : XXXX and two XXXX XXXX XXXX Debit Card Accounts with Card Account # XXXX : XXXX and XXXX from XX/XX/XXXX till XX/XX/XXXX. I did not create the Paypal account and I did not transfer money at all using this Paypal account online to anyone. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are of ID Theft and are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XXXX XXXX but could file final Claims with XXXX  XXXX XXXX for reclamation and refund of money only in XXXX and XX/XX/XXXX due to my medical issues. The total amount of money transferred fraudulently from my XXXX  XXXX XXXX Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my XXXX XXXX XXXX Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed multiple Claims numbering atleast 9 with Paypal to get my total money back. Paypal Fraud Department has ruled against all of my Claims and has refused to classify the Paypal account as an ID Theft case. It has also refused to refund my total money back to me. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get my total money of {$15000.00}, obtained as a result of PAYPAL ID THEFT BY PAYPAL INC, AS SOON AS POSSIBLE BACK FROM PAYPAL INC. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates is reporting a debt on my SS # in the amount of {$720.00}. 
I do not, nor have I ever, had an account with Portfolio Recovery Associates. I want them deleted from all three credit bureaus. The company Portfolio Recovery has placed their information on my social security number and it's causing great harm to my credit report. 

On XX/XX/2017, I sent a letter certified mail formally requesting validation bearing my signature showing that I have some contractual obligation to them. A representative from their company signed for this correspondence of XX/XX/2017. I received a letter dated XX/XX/2017, stating that this account had been validated and they were enclosing documentation. They only sent me copies of some invoices from a different company. They did not provide me with a contract bearing my signature to either company. 

XX/XX/2017, I issued another certified letter that was picked up by a representative of theirs by the name XXXX  XXXX  on XX/XX/2017. This letter informed them that they failed to provide me with copies of viable evidence that I have a legally binding contract with them. I also let them know that I would be contacting the Consumer Financial Protection Bureau. 

I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/2017, stating that they had reviewed my dispute and responded previously to the same dispute. They stated that no further replies would be forthcoming unless I provide them with new information. Their office considers this matter closed. They are willfully being noncompliant. 

I do not, nor have I ever had a binding contract with Portfolio Recovery Associates. This is damaging my credit and I demand them to remove this from my credit file. This is a violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and a violation of the Fair Credit Reporting Act ( including but not limited to Section 623b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
A while back, I checked my credit reports online and saw an account being reported by Trident Asset Management, a " debt buyer '' account regarding XXXX ( I assume XXXX of Florida, not XXXX XXXX ). 

Apparently, this has been reporting as a collection to my credit since XX/XX/2015. They are only reporting it to XXXX, and there is no information about who the collection is from. I disputed the debt and even though they verified it as accurate, they still haven't reported who the debt is from, or provided me with that information. I do not have any debt owed to XXXX and I have yet to receive any information or verification from Trident which would in any way indicate otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I opened an account with XXXX XXXX XXXX back in 2014 with zero interest for 5 years and set payments of $ XXXX monthly. I recently came into a hardship and missed a payment in XXXX and my balance was down to {$1000.00} If was away and my ex wife decided to call Wells Fargo and the person she spoke to said she can settle at 60 % of the balance owed ( {$680.00} ) to satisfy this account as payed however the person never mentioned to her that the loan would be considered charged off and take a hit on my credit report. I had no knowledge of any of this until I decided to call Wells Fargo because I noticed that my Wells Fargo platinum credit card was closed. When I called Wells Fargo I was told that since the XXXX XXXX account was settled it caused my Wells Fargo visa platinum card to close as well because Wells Fargo funds the XXXX XXXX account. Ive opened an investigation to try to reverse all of this so I can finish pay off XXXX XXXX in full and reopen my Wells Fargo visa platinum card but I was told they can not do that meanwhile the payment that was made to XXXX XXXX was made by my ex wifes bank account which when I called Wells Fargo they said that payment wouldnt have gone through unless it was my account being debited they even went as far as providing me the account number of my ex wifes bank account and saying it was my account which it was clearly not. So now My credit took a big hit my accounts ar closed and theyre saying they can not do anything. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Within the last 90 days I received an offer to get a credit card that offered discounts to all purchases at Walmart. the promo intro page had a large picture of a MasterCard, giving the impression that I would be applying for a MasterCard from Walmart. I was approved and ended up receiving in the mail a store card that can only be used at Walmart.

Being that I was mislead and thought I was getting a major credit card, MasterCard. **I 'm requesting that the Hard Inquiry be removed from all credit reporting agency that it was submitted to. Also if possible, I still would like to receive an actual MasterCard in addition to having the Hard Inquiry removed. Since I have the store card, I'll just keep that also.

Sincerely, XXXX XXXX   Customer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
I've been trying to make my payments to AES on time and ahead of schedule, however, my payments are not being processed as I have requested. 

I've had problems with my Loan being processed as I have requested. 

Non of my Loan Payments were processed as requested in XX/XX/XXXX, until I called several times to have AES process my Loan Payments as requested. 

Now again, for the month of XX/XX/XXXX, I submitted payments for all my Loan Sequences at the same time. After calling several times, all Loan Sequences were finally paid after being not being processeed as I requested, except one. 

I requested AES apply {$140.00} Loan Payment to Loan Sequence XXXX - XX/XX/XXXX. 

But Instead AES split my {$140.00} Loan Payment among FIVE ( 5 ) Loan Sequences : Loan Sequence XXXX - XX/XX/XXXX, AES applied {$9.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$2.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$1.00} to Principle - {$0.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$60.00} to Principle - {$21.00} to Interest Loan Sequence XXXX - XX/XX/XXXX, AES applied {$44.00} to Principle - {$0.00} to Interest This is very frustrating for me. I have to call several times for AES to finally process my Loan Payments as requested. 

AES has blocked me from making online payments as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 Portfolio Recovery original XXXX XXXX XXXX total {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On XX/XX/2018, I sent correspondence to Navient regarding my existing loans with them. I received an email basically stating " Don't call us. We'll call you. '' During the investigation of my claim, the loan is to be placed in deferred status. That, also, has yet to happen. They simply are not responding to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed down all the credit card accounts on XX/XX/XXXX. Four different accounts were closed at the same time. 3 of those accounts do not have an annual fee associated with the credit card. One of those accounts is a Citi Prestige Credit Card, which has an annual fee of {$450.00}. 

I had paid that annual fee as of XX/XX/XXXX. Here is the transaction record that shows up on my statement : XXXX XXXX, XXXX MEMBERSHIP FEE XX/XX/XXXX-XX/XX/XXXX Additional Details Transaction Type : Fees Posted Date : XXXX XXXX, XXXX Category : Miscellaneous Reference Number : XXXX Print {$450.00} The credit card account was closed XX/XX/XXXX. As a result, my {$450.00} annual fee was forfeited and I did not receive any of the benefits associated with the annual fee. Citi has not addressed or returned any portion of the fee. The annual fee is part of their service to the customer for benefits which no longer enjoy. 

Other corporations, like XXXX, return the annual fee since that means I lost out on the benefits throughout the year. For example. If I paid for an annual fee throughout the year for XXXX XXXX, and XXXX chooses not to have me as a customer, XXXX would reimburse me the annual fee that I paid, since they are closing my account. 

Citi is responsible for treating its customer fairly and ethically. As a result, I expect the fee ( or a prorated part of the fee ) to be reimbursed to me. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: FL

Complaint narrative:
BBT securities exchange [ bank ] has admitted to paying a XXXX balance? can they show me with clarity how this was done? did they get paid first by beareu of fiscal services US treasury? or did they discharge it to my social security TRUST ESTATE ACCOUNT of which they are acting as custodial trustees behind my back, well at least we know now there are 2 ledgers they are keeping and full disclosure was not given to me because thier ledger is a secret, well i know all about the fraud and trix, theres no original instrument of indebtedness because they sold it, and after 90 days all negative balances are paid by insurance, they never tell you that, BECAUSE THE BANXTSERS ARE ALL XXXX XXXX LIAR THIEF CRIMINAL MISCREANTS, THEY STEAL FROM EVERYBODY ALL THE TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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:
Ive called each credit bureau multiple times advising them of unauthorized inquiries and they did nothing to accommodate the situation per the FCRA. I listed all the inquiries and told them that they should not try and make us contact the creditors for accounts we dont have and did not authorize. Over half of these hard inquires were placed on my account 2015 and I was overseas in the 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