vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Three years ago, I had a dispute with Kohl 's Department Store regarding a fee that they applied to my Kohl 's charge card. I was not aware of the fee until I tried to make a purchase and was denied. I went to the customer service desk and was told that the fee was applied for a late payment. However, I had a XXXX balance, other than the late fee and as far as I know had never made any payments late. I objected to the fee in the credit office however the attendant claimed to be powerless to do anything. So, I paid it and requested that my account be closed. Last week I discovered that the account was not closed and it is affecting my creditworthiness today ... I was refused a business credit card due to this blemish. I was refused while maintaining a XXXX credit score. I would like to have Kohl 's retract the late payment report and provide proof that my account is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
They refuse to address issue over phone where we can talk NO, they rather send NO supporting documents and continue to make me and others suffer, I am dying because of them, my life is ending fast over their theft. Of course they need more time research they are committing illegal crimes and need to be stopped, the consumer has been cut out of the equation in the process. THEY PROMISED to call but refuse cause they know they owe money they rather commit fraud, consumer terrorism and murder and embezzlement cause regulators let them get away with this. Disgusting, I Am loosing my life and future to this and I will not tolerate it. It will be fixed.The issues we have with USAA BANK/CREDIT CARD/DEBIT CARD/LOAN SERVICES/CHECKING/ALL AROUND CUSTOMER SERVICE/RENTERS INSURANCE/AUTO INSURANCE/UNFAIR CREDIT REPORTING and all the things that follow from BAD FAITH INSURANCE to LYING all the way down to in my mind fraud. Before these issues, my life, my credit, my career and my identity where not only going very well, but we can prove, we never missed a bill EVER. We can also show faxes, witnesses, police reports, emails, phone records right on down the line and the fact we never were once late with a credit card bill, ever, we always paid more than was expected. So how come if we always paid on time and kept up with other monthly bills did USAA put our credit card in collections when we sent them identity theft paperwork on the credit card and checking account. Falsely putting credit card in collections itself has cost us major health, job, credit issues we never ever had as well as a whole breed of fake things on your credit. The headaches alone we go through daily and the loss in our lives is extreme. Not to mention the dozen of unpaid policy renters and automobile things need to be paid. But even from the first issue when we were massively identity theft through our checking, even though we ended up finding out who it was and there was an arrest and witness to came to us and testified to the culprit wrong doings, the whole time we had money missing from our accounts prior to finding out what was going on USAA BANK was rude and uncaring and told me that it was probably my boyfriend at the time doing it and I should have him arrested. WHAT KINDA COMMENT IS THAT And after we found out who did it, when we called to let USAA BANK know XXXX ( ext XXXX ) screamed at XXXX XXXX when he was trying to be kind and let them know what was going on, she did not care, she was more concerned if we wanted anything from them This is something we dealt with everyone from USAA, all my life I never seen any COMPANY get away with so much.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Management Resources
State: OK

Complaint narrative:
Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2017, Syncrony Bank submitted a documentation to THE UNITED STATES BANKRUPTCY COURT FOR THE XXXX OF FLORIDA XXXX DIVISION IN VIOLATION OF FCRA, FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ... ... 15 USC 1692g ... ). I do not have any liability or any debt with the banking institution mentioned about. 
If the CFPB want to refer this case to any other federal agency or agency 's.

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 2015-10-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I PURCHASED A LOVESEAT FROM XXXX AND PUT DOWN {$130.00} ON THE FURNITURE AND FINANCED THE REMAINING. I RECEIVED A BILL FROM XXXX THRU SYNCHRONY BANK AND THE RETAILER DID NOT PUT THE {$130.00} TOWARDS THE PURCHASE AND CHARGED ME FOR THE FULL AMOUNT. THE {$130.00} WAS NOT SHOWN ON THE BILL AND THEY BOTH CLAIM SEPARATE FUNDS WHICH THEY DID NOT EXPLAIN AT THE TIME OF PURCHASE. I FIND THIS VERY DISTURBING AS EVERY ONE OF THESE CREDIT CARD COMPANIES CLAIM SEPARATE MONIES TOWARD THE SAME BILL. 

ANOTHER CREDIT CARD COMPANY XXXX SENDS YOU A CREDIT CARD AND THEN A WEEK LATER SEND YOU INFORMATION ON THE CHARGES INVOLVED AND START SENDING YOU BILLS AFTER YOU HAVE CANCELED THE CARD. 

THIS IS NOT A ISOLATED ISSUE AND I STRONGLY FEEL THAT THESE ENTITIES ARE SCAMMING PEOPLE AND I HAVE ALREADY CONTACTED THE MEDIA ON ONE ISSUE AND I WANT THESE SCAMS TO STOP AND I WANT IT TO BE PUBLICLY OUT THERE TO WATCH FOR THESE SCAM ARTISTS. 

THE CREDIT CARD COMPANIES AND THE BANKS ARE STEALING MONEY FROM PEOPLE AND THEN TELLING THEM AFTER THE FACT AND I 'M SURE IN SOME INSTANCES PEOPLE DO NOT EXPECT THIS AND USE THE CARDS AND THEN GET STUCK WITH ALL KINDS OF BOGUS CHARGES. THIS NEEDS TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had a Home Depot credit card for years with a high creditlimit and never fell behind, always made more the minimumdue and all of a sudden without warning I got a letter froma collection agency saying my card was shut off accountclosed and I owed my balance asap or it was gon na ruin mycredit. So while I was talking to the people I asked them whythis happen what have I done ive been a perfect customerand could n't tell me. So right then they said if you pay thisamount they will wipe it clean so I did exactly that.. Thereceived what they asked for within 5 days. so I calledhome depot I honestly was very devasted and could n't understastand what happened. So I called and called finally reachedsomeone back at the collection agency because home depotwould n't talk to me that because a user on my card XXXX who has never used my card or had possession ofa card filed bankruptcy, which he did n't fall through with hehad to do it over a short sale because the mortgage companywas being a jerk even though we had a signed short salecontract for more then what was owed to XXXX theywere being jerks ... So I feel that it is n't right that this happenedI did nothing wrong and his bankruptcy which can be lookedup was never followed up with we had to do it cuz alawyer told him too ... So please look over and help me out..Ido n't see why it should be bad on my credit report. I wouldhave taken his name off hes never used my card ever! Theycan check theres XXXX different numbers on the cards ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
We received a {$700.00} loan in XX/XX/XXXX from Big Picture Loans. We were told on a recorded phone call that our total repayment including principal, interest and fees would be less than {$1000.00}. They said this would be the amount repaid if we repaid the loan within 3 months and called 3 days before the due date of the XXXX of the month and made payments of more than minimum due. On XX/XX/XXXX I made arrangements to pay {$500.00} on XX/XX/XXXX. I just called today ( XX/XX/XXXX ) to make the payoff amount on XX/XX/XXXX which should have been less than {$500.00}. We were told the total payoff amt was {$820.00}. I spoke with XXXX in the disputes Dept and she made arrangements for us to pay {$500.00} on XXXX and a contested amount of {$320.00} on XX/XX/XXXX. This will make our payments all within the stated 90 days, however, Big Picture Loans is charging us over {$320.00} to pay off the loan from what we were quoted when we obtained the Ioan. We are paying the {$320.00} because this company is obviously a scam and we do not want to do further business with them. However, we would like to file a dispute/complaint to have the over {$320.00} returned to us and have the account paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has done this so many times, I ca n't believe it is legal, I told them, i know it is illegal on personal accounts, but on business accounts, there seems to be no regulations, they even tell me that i can not make it so it does not OD when using my Debit card. XXXX Attached is just one example of how they move things, the XXXX charge was made in XXXX az, the XXXX charges, small, were made in XXXX AZ, a XXXX drive, there was at least 6 hrs difference in the small transactions, I 'm not sure if they did a XXXX fee on their XXXX fee for using a non WF ATM ... ... ... ... They need another investigation as this is just crazy, they also, have for the last couple months, holding my checks up to 7 days, and sense i got past the 30 day mark, they have never held a check, unless there was a real reason, as really large or from XXXX, now they give all kinds of reasons as to why they hold them, in person they just say that its because it is from a different bank, well for the past 2 years that did not make a difference, then online, it will give different reasons, the last one was held, and they put that the endorsement was different, even though it is the same as it has been for 2 years, the one before that they held it saying that the deposits have been different ... ... WHAT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR CREDIT

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 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FIRSTBANK
State: CA

Complaint narrative:
I had XXXX separate purchases that I made through XXXX using my bank card. I was unaware the the purchases I was making were out of the country and not being payed the proper way through XXXX. When I never received my items I called XXXX to dispute the charges. They advised that since it was paid as a freind payment ( which I di n't know ) I would have to got to the bank and cancel it with them. I went to my 1st bank branch in XXXX ca. and I signed an affidavit for the XXXX charges XXXX and XXXX. the bank then reversed the charges to XXXX and put it back in my acct. XXXX at that point put my acct in the negative. XXXX then opened a dispute for only XXXX charge the XXXX and after they opened it the 10 days went buy and the dispute was closed in my favor and XXXX gave me the money back for that XXXX charge. All good Now we have the second charge XXXX. I can not get XXXX to open a dispute so I can go the 10 days and get it out of the negative. I have called XXXX several times and they advised that they see the money being taken by 1st bank but they only have a dispute from the bank for XXXX charge. I have called the bank several times and they advised that they should have all the paperwork to open a dispute from the first filed paperwork. The bank refuses to resend it. The last time I talked to my bank they advised that there is now a 3rd party bank involved because it was a international charge ( which I did n't know either ). But that is on XXXX end. If they open a dispute and find in my favor then they will have to go after the XXXX and XXXX. That should have nothing to do with my end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone in early XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXXloss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, On XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called ) I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was contacted by XXXX in XX/XX/XXXX asking us to sell our timeshare because they had a buyer. All we had to do was send {$2800.00} for title search. He said it would take approximately 3 weeks. I did n't hear from them [ after they got my credit card # ], so i called them in XX/XX/XXXX, they said the title search was taking longer than expected. On XX/XX/XXXX i called and was told buyers had untill XX/XX/XXXX to sign purchase agreements. On XX/XX/XXXX i called and was told purchasers were going after lower interest rates and that their finances are fine, but requires more paper work. They told me the buyers had until XX/XX/XXXX to close, so call back on XX/XX/XXXX. I called daily from XX/XX/XXXX through XX/XX/XXXX and all i could get was an answering machine or recording saying the message box is full. Once they had my credit card #, they never called me back. They did have an add to sell the timeshare on their website, but all the phone # were disconnected. So if you were interested in buying, you could n't contact anyone to purchase. This company was a scam, the owner XXXX is currently in jail for having done this to more than XXXX people. I called capital one to make them aware and dispute the charges well within the allotted time frame. I sent them documentation of a cease and desist order against premier timeshare solutions by Attorney General XXXX of North Dakota on XX/XX/XXXX due to consumer complaints, a tv expose by XXXX exposing this company as the crooks they are, and a copy of complaint XXXX full of peoples stories of being scammed by these con artists. These documents, along with previous letters from us stating and listing all the disconnected/out of service phone # s for XXXX [ how can they " market '' our property with diconnected phone # s for " interested buyers '' on their bogus website ] were sent and received before the requested deadline of XX/XX/XXXX. Not to mention an F rating by the BBB. I told them not to pay and i would n't pay. Capital one sided with the scammer. They sent a lawyer after me, XXXX, and when i sent them the documentation they backed off and told me they were sending it back to capital one and try to work it out with them and provided a phone # which i could n't get through. I have called capital one numerous times to try and resolve this. Basically i get nowhere, tell my story to someone on the other side of the planet, get put on hold and go round and round. I am currently trying to get a mortgage and this has screwed up my credit report, the gift that keeps on giving. They have charged off every month for the last 6 plus years. This is the only thing that comes against me, all my bills are paid on time. Capital one should not have paid this con artist, i gave them plenty of evidence backing my claim, XXXX is in jail for this crime and capital one refuses to admit their error and not punish me for their mistake, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
My complaint is against Paypal Credit. I used it as a payment method on a site called XXXX - the site turned out to use paypal as a method to scam people into buying their virtual products ( Video game in game items ). When the product is not delivered and the customer checks to see what happened - the company insists to get a refund you must send them more money by via XXXX. It was clearly a scam - XXXX searches will show evidence of a long history of conducting this same scam and paypal turns a blind eye. I submitted a case and shared compelling and detailed evidence and even implored paypal to pose as a customer and see what the vendor does for themselves. I was supposed to receive a resolution within 3 weeks. 2 Months passed and I had to call them to see what had happened to the case as I wanted this fraudulent vendor blacklisted, more so than wanting my money back as kids would use this site to purchase game items and lose their hard earned money which is much more significant to them than it is to me right now. Paypal ruled in the favor of the vendor based upon the vendor being able to provide them with an Internet IP address which matches an IP address I 've used to log into paypal with. That was all they needed to rule in the vendors favor. To purchase items from that vendor you need to provide your username and password to the video game in order for the items to be delivered. When you log in with the username and password it shows all of the locations the game has been logged in from. This was no evidence of product delivery and it seems to have been well thought out and planned by the XXXX game item scamming company. They seem to know what paypal will look for so they can continue their fraud. 
Some links to the vendor 's misconduct : XXXX XXXX XXXX ( Read the video comments ) XXXX XXXX XXXX XXXX XXXX-XXXX You can also XXXX search XXXX fraud or scam and you 'll find many many results. you could also try to use the service and see that you 'll end up in the same situation as the rest of us.

Company response to consumer: Closed with explanation