vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been receiving calls from XXXX XXXX XXXX for some time now. They call not only the number I gave you but others as well. However since you 've asked me not to supply you with contact information in this statement I will not list them. 

They claim they are collecting from checks from XX/XX/XXXX and XX/XX/XXXX. I have asked them on numerous occasions not to call me anymore. They still continue to call me. Furthermore, not only do they call me still, they call me upwards of 10 times a day. I have printed out my call logs as proof. 

Besides the fact that they are obviously harassing me, I have also been hung up on in the middle of the conversation only to be called right back within minutes. I 've even been called by a supposed supervisor named XXXX who told me she heard the harassing phone calls and would rectify the situation. Well they never stopped. Some of the representatives who called me are named XXXX and XXXX. I never get a last name. 

At this point I am filing this complaint as I am an informed consumer. it was n't but 90 days ago where I had completed services with a credit consulting firm and they informed me of several laws regarding collections. I 've read the Fair Debt Collection Practices Act and I know that they are not allowed to harass me. Besides the fact that the debts they are attempting to collect are not legitimate as I have contacted the banks that the collection agency claim the checks originate from, I know that the XX/XX/XXXX date they gave me make the debts past the statute of limitations for suing and credit reporting. Since they have now been informed not to contact me anymore and they continue to do so they are in severe violation of the F.D.C.P.A. Please look into this as this company should not be allowed to collect anymore. Who knows how many people they have conned through their illegal tactics.

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 2016-02-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is incorrect information and needs to be removed from my credit report as it is preventing me from buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have recently been denied credit due to CCS attaching bogus accounts to my credit reports several times within a short period of time. I was never informed of an account I had with them prior to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Regarding Navy Federal Credit Union XXXX and Savings account number XXXX and denied me access to my Veterans Administration XXXX check last XXXX XXXX, 2016. Moreover, NFCU took it upon themselves to pay loans owed to them and have move funds from my savings to checking to cover distribute to at their discretion without my consent. And have charged me multiple insufficient funds fees for loans that were carried by NFCU and others knowing that no funds were available as a result of their unauthorized distribution of my funds. I have been charged XXXX in insufficient funds fees collected by NFCU as a result of them withholding my funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently made XXXX minor debit card purchases which brought the balance in my checking account to a negative status. At the time that I checked the account online there were no fees assessed, so I withdrew the necessary funds from my savings account to bring the checking account to a positive status. 

Two days after I made the transfer, they still applied the {$35.00} fee to each purchase - bringing the total in fees to {$140.00}. After discovering the fees, I then called the bank about it. At that point they reduced the fees to {$26.00} for each transaction, which they referred to as a partial reversal. 

My issue with the matter is that If I made a transfer ( from an account with the same institution ) which brought the status of the account to a positive status - BEFORE they assessed the overdraft fees - why should I have to pay any fees? 

Any help in clarifying this matter for me would be greatly appreciated.

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 2016-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
On XXXX/XXXX/2016 at XXXX, a gentleman by the name of XXXX XXXX called and was asking if I knew a person by the name of XXXX I told him that she was my sister and that I can take a message for her. He was trying to smooth me into a personal conversation and kept trying to persuade me that he is the " nicest guy I will ever talk to. '' He also gave me private information about my sister, which includes her full date of birth, age ... etc I told him that was a XXXX violation and that I did not appreciate him sharing her personal information with me. He just kept talking over me and did not let me get a word in. 

He also told me that he is from the pre-legal department from ACM ( Alliant Capital Management ) and was trying to resolve a serious problem in which will turn legal if XXXX does not contact him as soon as possible. He just kept talking over me, and did not let me speak. He just kept threatening about how he works for the legal department and if XXXX did not contact him, he will persuade a legal case against XXXX 
After arguing with him and trying to get all of his information, I informed him not to contact me any more and hung up the phone. 

I do not appreciate his phone tactics, trying to persuade and threatening me about taking legal against XXXX 
I am not the owner of the debt and personal information about XXXX should have not been shared by XXXX XXXX XXXX XXXX 

His name is XXXX XXXX XXXX # : XXXX Other # : XXXX Company : Alliant Capital Management

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had applied for a home mortgage at wells Fargo bank and got a appraisal thru them to start the process, half way thru the home mortgage loan it was declined. my next move was to look for a new mortgage broker and lender so i did find XXXX. My new home mortgage loan is about 95 % complete and the only thing holding us back from closing on the property is an appraisal transfer from wells Fargo. my lender, mortgage broker and i have requested to wells Fargo to transfer the appraisal but they have refused this request. My issue is wells Fargo not providing the appraisal transfer to my new lender as requested which i feel very disappointed of this, since i cant close on the house which there 's a possibility i can lose the house. I dont know my legal right for this type of situation but i feel like wells fargo has not meet the needs of the customer and would like to exercise my rights.

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: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
We were 2 1/2 hours from closing when we got a call saying our loan has been denied. We have been working with Wells Fargo for 7 months to secure this mortgage. We have XXXX commitment letters, inspections, appraisals and XXXX closing Disclosures. XXXX times we thought we were closing, Wells Fargo would call us on a Friday Evening with the bad news they wanted more documentation and we would not be closing the next Monday. We have moved over half our possessions into storage, we have given our landlord notice and the utilities on the for our new house are in our name. Because of Wells Fargo 's inability process anything in a timely manner My family will be homeless in three weeks. What has changed? I 'm told my dept ratio is too high for a coupe of months in the year. They are incapable of understanding that a seasonal part time job has a fluctuating pay check. I have XXXX incomes my primary income is working for the same transit property for 17 years. My second income is XXXX from the XXXX Since the first approval letter my dept ratio has improved and my credit score has gone up. Why did it take them 7 months to make a decision???

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 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back

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 2016-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I made a payment arrangement with Navy Federal and when it was time to pay they took a different amount that was agreed to. Also, I would call and notify why I was late but every chance they could would transfer money out my account that was not authorized. I never agreed to have someone take my paycheck and do what they pleased. This last incident I made a payment arrangement of {$170.00} dollars but they took {$260.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
While visiting the Wells Fargo Bank, a banker offered me a credit card, according to what he read from the bank site, I was eligible for a card with an APR of 8 %, with 0 % rate for 15 months, I agreed on the condition that my rate would be 8 %. When I received the card, it had a rate of 21.4 % after the promotional period. I contacted customer service by phone, when I told the representative about it, she urged me to go into Wells and see the banker, have him call in and it would be honored ; however, I went in, the banker called in, but Wells was not willing to honor the rate. I feel that it was discrimination, as XXXX are often given higher rates, despite their credit scores.

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 2015-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I am continously harassed by the US Bank 's customer services representatives since XXXX/XXXX/15. On XXXX/XXXX/15, the US Bank 's customer services representative ( female ) made threats of collection procedures which is illegal. All US Bank 's telephone calls are recorded to verify the unprofessional behavior of this customer services representative, but the US Bank failed to present an apology for the abusive verbal threat. 
On XXXX/XXXX/15 I received a similar telephone call questioning the " amount of my electronic direct deposit '' and " verification of address '' which is continued harassment. 
The US Bank have on file all the information about my income amount and address for the last 22 months ; consequently, permitting customer services representatives asking to verify the amount of earnings by telephone is a desire to intimidate the customer. Additionally, the US Bank communicates with me sending all correspondence to verify any information via e-mails and there is no need to make this type of calls. Therefore, the unprofessional behavior of the US Bank 's customer services representatives have inflicted me with severe emotional distress harmful for my well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
When I logged on to my Macy 's account I paid the balance in full but had made a purchase that did n't reflect on my loan balance at the time of pay-off. I called the creditor and I asked them why did n't I receive a statement or a courtesy call and if they would remove the 30 day late off my account as I 'm in the process of buying a new home. I was told my statements went to an email account that I have n't had in 8 years. I asked what their process was when the statement is rejected by the address and was told nothing. I believe they need to update their system to show all outstanding balances and have a better process to notify their card holders of any returned electronic statements. This is very disappointing news as my mortgage rate will now go from a 4 % to a 4.875, I have since cancelled my credit card with Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Never received a letter or called from this collection company. this collection company is breaking federal trade and fair credit reporting.I asked for consumer protection agency to look into this company practices with reporting accounts on credit reports without proof. this is a fraudulent account place on my credit report causing sever damage to my credit ration causing a decrease in my credit card from XXXX XXXX. I was called and notify that a collections was on my credit report and we have lower your credit balance from XXXX to XXXX dollars. Know collection company should be able to just add a debt on anyone credit report when its fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I noticed an unknown public record on my report, showing under Equifax and XXXX. I wrote letters two times to both bureaus, asking to investigate this information and to have it removed from my report. I was waiting 45 days between letters as I was directed, but unfortunately they did not respond. No investigation was made and the Public record is still showing on their reports and affecting my credit badly. I am unable to move forward financially as a result of it and causing me a lot of XXXX.

Company response to consumer: Closed with explanation