vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/XXXX I went to Wells Fargo in XXXX, SD to remove my deceased spouses name from a checking account, a savings account, and a Visa credit card. The branch manager, XXXX, indicated that she would do so. She was to get back to me re : a new account but never did. That was a telling sign that she didn't want XXXX customers at her branch. 

On XX/XX/XXXX, I was informed by WFB that XXXX, the branch manager, did not remove his name from the accounts, despite my being there for an hour, and having a certified death certificate. 

On XX/XX/XXXX, I attempted to closed the checking account and WFB Banker, XXXX, would not do so. XXXX declined to accept the debit card and blank check stock for that account. Eventually I just left the items with her and exited the bank. 

Employees tell management that I needed to return to the bank in XX/XX/2020 and to make an appointment to close the account. Employees at the bank also told management that I was " confused '' about closing the account. I was not confused as to my actions. If I was unsure about removing his name from the account, why did I travel to the bank with his death certificate? 


Management would not assist. XXXX, Regional VP, XXXX. The Upper Midwest President XXXX XXXX XXXX would only say she was too busy to talk to me. 

After being with WFB for 26 years, this is how they reward loyalty.

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 2020-01-22 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: OR

Complaint narrative:
CapitalOne placed a fraud restriction for no reason that they can tell me on my credit card and is asking for sensitive documents ( Social Security Card ) in order to lift the restriction. I've never had to do this for any credit product in the past. They are threatening to close my account for inactivity in 2-3 years if the documents are not provided. I have offered to provide other proofs of identity but they insist on have a copy of my Social Security Card. I find it quite unfair that because I don't want to send my private documents that my credit score will get dinged for having the account closed for inactivity. 

I have spoken with the Fraud Account ManageXXXX " XXXX '' Employee ID # XXXX, she was not helpful in getting my issue resolved and did not care to help me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
After reviewing my free annual credit report I noticed a fraudulent account that does not belong to me from Portfolio Recovery after contacting them they still refused to send any verification of this account and still are reporting this fraudulent account to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MN

Complaint narrative:
XX/XX/2017 XXXX Of XXXX center for {$340.00} made efforts to explain situation with the company and that the debts were wrongfully charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact sallie mae who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
After reviewing my free credit reports I noticed a fraudulent account from Americollect that doesn't belong to me and after contacting them they still refuse to remove from my credit reports and send me verification under the fair credit reporting act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Keep calling for some who doesn't live here stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a purchase thru PayPal on XX/XX/2020 to a company called XXXX  XXXX XXXX or  XXXX  XXXX XXXX or XXXX XXXX XXXX ( all three are one business ). Paypal did not disclose a user fee of 2.9 % to me prior to submitting the transaction. I purchased first thru credit card and the seller notified me the user fee was applied on her side. I tried to block the transaction and reported as fraud. Then I attempted to make the purchase thru debit card as the seller told me there are no fees when using debit card. No fees were disclosed to me prior to submitting the transaction and again the fee was applied on the seller side. The purchase price was {$2500.00} and the transaction fee amounted to {$72.00}. The seller had me pay the transaction fee to her via check. I asked Paypal to refund the fees and complained there was no disclosure of fees before I submitted the transaction. I have asked them to refund at least one purchase as they are duplicate purchases and they have refused to refund it. They insist the seller should refund the purchase rather then them, but then I will be paying two transaction fees of {$72.00} each because the transaction fee still applies even when refunding the fee if done by the seller. I have spent hours using chat message and waiting on eternal hold via phone line to get this resolved. They refuse to have a manager call me back with contact information so that I can directly talk with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
This company named ENHANCED RECOVERY SYSTEMS has attempted to collect a Debt that is not mine int the amount of {$960.00} with account number of 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 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
This Debt was openedXX/XX/2019 and i was not aware of who this is the amount of this purported account is {$600.00} with an account number of XXXX which i have not seen before

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: GA

Complaint narrative:
After reviewing my free annual credit report I noticed fraudulent accounts from Profit Services Group, after contacting them to verify these fraudulent accounts I still haven't received any verification and they still are reporting these fraudulent accounts to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services
State: OR

Complaint narrative:
On XXXX the XXXX of XXXX I, XXXX XXXX rented a vehicle from XXXX at the XXXX/XXXX. XXXX Airport and did return this vehicle to the same location on XXXX the XXXX, XXXX. My deposit was refunded, and final charges to my Visa CC were on XX/XX/XXXX. 

The XXXX week of XXXX, XXXX, I received a letter, in a nondescript envelope with no company logo or information. This looked like junk mail, but was in fact a letter from Viking Billing Service, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 
This letter claimed I had caused damage to the vehicle rented from XXXX and to send Viking money. 

I called the XXXX company at my earliest convenience, which was XXXX the XXXX, XXXX XXXX to request more information. I was given no information verbally or in writing regarding any damage claim. I try to follow up again on XXXX the XXXX, XXXX with the same lack of result. I have called XXXX many times to resolve this, and not once was I given any information regarding damage to the vehicle. 

I have now received another letter from Viking, again nondescript envelope that looks like junk mail. This letter claims in is the final letter, and that this matter could now be sent to collections. 

I have spoken with XXXX XXXX of Viking Billing Service now on XXXX the XXXX, XXXX, and he has finally sent to me a 34 page pdf file of the damage claim including a signed " Contact form '' from XXXX the XXXX which someone claims they called me, and were told " wrong number ''. My phone records from that day indicate I received exactly 1 phone call, from a local XXXX area code number. 

This document also has pictures of vehicle damage dated XXXX XXXX. 

Viking Billing Service is a DBA of Viking Client Services, XXXX. 

Viking has violated the The Fair Debt Collection Practices Act, as enacted by the 95th United States Congress, as they did not contact me within the allotted 5 day period to validate their debt, and violated the 30 day debt dispute clause, as they failed to contact me in a timely manner. 

I have also written a letter to XXXX XXXX XXXX, Executive Vice President of Global Sales and Marketing at XXXX. 

Given the class action lawsuit against XXXX from XX/XX/XXXX regarding a pattern of behavior near identical to what I have described in this complaint, I would like XXXX and Viking to cease this claim. 

Attached is the 34 page document as sent to me from XXXX XXXX of Viking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: OH

Complaint narrative:
I processed a payment with a representative over the phone, the representative entered the account number incorrectly and as a result the payment was returned as no account found because they left a digit out, I was then charged a return check fee of XXXX by the company, I have called on this since XXXX and they Claim they don't have record of me calling and making the payment with the rep when it was process on XX/XX/19 with the payment help center. and they will not remove the return fee and this was not my fault this was clearly company error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I recently opened Checking ( ending with XXXX ) and Savings Account ( ending with XXXX ) with Citi Bank on XX/XX/2020. And deposited {$5000.00} in Checking, and {$10000.00} in Savings Account. 

Today while logging into my account online, I came across a notification which says that Citi Bank has terminated my both of the accounts. And I would get my funds back through a check mailed at the address on file. I am alo unable to see my full account number as the online access to the account has been restricted. 

Upon contacting them over phone, I was advised that the reason for terminating the account is that the address provided is a business address. 

However, they can not send the check for the monies in my account on the address provided on file, and asking for other physical address ( with utility bills ) which I do not have, as I have recently relocated to XXXX, TX for a job, and that is the reason I had provided my employer 's address in order ensure I receive all important mails. 

Now, I am faced with this situation where the Citi Bank abruptly closed my account ( even after having sent my Debit card and the Checks on the address provided ), and would not refund my monies in the account - {$15000.00} I take this opportunity to request you to look into this matter, and direct them to send my money ASAP at the address on file. 

I sincerely hope that you can understand my predicament where I am facing inconvenience wrt abrupt closure of the account XXXX XXXX ), and inability to get my funds back in time. 

Looking forward to a positive reply. 

Thank you Sincerely, XXXX XXXX XXXX XXXX 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 2020-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm a victim of identity theft. I have a credit card account open in my name and over XXXX hard credit inquies made on my report alone last month. I was able to solve the problem with XXXX and partially with XXXX XXXX. At least they're communicating. However, Equifax acts like my own enemy. 
I wasted 8 hours yesterday being transferred from one phone agent to the next, refusing to verify me online and on the phone after each one asking me 10 mins to verify myself then transfer me to a co worker. Today the same thing. I asked to be transferred to a supervisor, they transfer me to a survey and they hang up. All they're interested in is selling me credit monitoring alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
This company has called me multiple times a day, at all hours, including early in the morning and late at night, for several days in a row. All these phone calls occurred without written notification of debt or debt collection. When I answered one of the calls I was harassed and bullied by the person on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 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: Possible Financial Inc
State: ID

Complaint narrative:
This company reported my late for XX/XX/2019, XX/XX/2019, and XX/XX/2019 when I would not had been late had their customer support responded to my emails sooner. The only way to contact this company is via email. It took them over 24 hours to respond when I needed my bank account corrected since their online system wasnt allowing me to change it. When I finally got a response it was too late and they reported me late for XX/XX/2019. Same thing happened on XXXX and XX/XX/2019. They had the wrong bank linked to my account so I tried to change it again but their system wouldnt allow it. After another 24 hours and back and forth emails they finally manually processed my payment but again it was late because of the lack of customer service and the poor their application having so many glitches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Franklin Collection Service, Inc.
State: VA

Complaint narrative:
I missed a call from Franklin Collection Service based in Mississippi. I returned that call to find out why they had attempted to contact me after I had requested validation of the debt owed. I spoke with a collection agent named XXXX and again asked for validation of the debt. I then asked them to cease and desist any further phone calls about the debt until I could verify the account. At this time the agent became aggressive and began to raise her voice. She then started yelling and said that it didn't matter if I payed the debt or not because they already reported it on my credit report as a collection debt. Afterwards she stated that she was going to verify my information, and said that and asked me if my phone number was correct and then said " it doesn't matter I'm going to just take it out. Since you don't want us calling you cause we don't have the answer you want, you don't want us calling you back. '' She then continued getting louder and cutting me off from talking trying to get me off the phone while I tried to ask for a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-01-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I HAVE A CD WITH ALLY BANK. THE CD RENEWED FOR 1 YEAR ON XX/XX/XXXX. I NOTIFIED ALLY BANK IN XXXX WHEN I RECEIVED NOTICE OF RENEWAL THAT I WISHED TO CLOSE THE ACCOUNT. ON XX/XX/XXXX I RECEIVED A LETTER STATING THE CD HAD RENEWED. I WAS OUT OF TOWN UNTIL XX/XX/XXXX AND CONTACTED ALLY BANK UPON MY RETURN. I WAS TOLD THAT MY PREVIOUS REQUEST WAS ON FILE BUT THE TELLER FAILED TO PROCESS IT PROPERLY AND IT WOULD BE TAKEN CARE OF WITH NO EARLY WITHDRAWAL PENALTY. THREE WEEKS LATER AND STILL NO CHECK. I CONTACTED ALLY BANK ON XX/XX/XXXX TO DETERMINE STATUS. ALLY INDICATED THAT THE ACCOUNT WAS STILL OPEN AND ACKNOWLEDGED PREVIOUS CONVERSATIONS AND WOULD EXPEDITE MY REQUEST. I WOULD THINK THAT 2 MONTHS IS LONG ENOUGH TO CLOSE AN ACCOUNT.

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 2020-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have the power of attorney for my XXXX y/o mother 's finances. I'm her son XXXX XXXX. She has a loan with U.S. Bank. She owes approx. {$40000.00}. She has received phone calls saying she has missed payments and behind in payments. She has not missed any payments.I called in to the general number to address the issue. I have over the last month spent hours and hours trying to straighten out the issue. Each time I call in I get an understanding agent who can not figure out the reason for the problem. The payment for {$480.00} is made automatically early each month. The agents I have spoken to all agree she has made all payments. 
The problem seems to revolve around an escrow over billing problem. They agree that seems to be the issue and say they will find out the problem and get back to me. They NEVER do. They sent a default notice to my XXXX y/o mother. It has become increasingly stressful as they never have an answer as to why she is being charge {$160.00} a month for a $ XXXX home insurance policy. They all have agreed that is a problem but they never fix it. 
I received a annual document ( an Annual Escrow Analysis Statment ) from them saying her bill will go up {$2.00} a month to make up for a short fall in her escrow acct., then another document with a {$56.00} refund check for over payment. If you call into the automated acct. line. It indicates she owes {$1100.00} past due and if you speak to a agent you'll get a completely different number. I have spoken to front line agents, escrow department, collection department and management, all promising to correct " THEIR '' error but all we get are threats by mail. They have no Idea what one part of the bank compared to another is doing. Everyone is always nice but still the threats of penalties and foreclosure keep coming.They just sent me a letter saying they are giving the service of this loan to another entity. They have raised her payment {$93.00} a month. My mother is on a fixed income.I feel that is punitive. 
Help Me Please I'm the one who is always trying to get this resolved and they do nothing. 
I had a car loan with U.S. Bank and had to refinance because of things like this. THEY ARE INCOMPETENT. They should not be allowed to be a bank. 
Thanks

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