vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one spark XXXX I called in and closed this account in XX/XX/2019. I made a XXXX dollar payment and advise the customer service rep that I wanted the account closed after discussing my previous experience with capital one I have decided to not deal with the company because of their tactics and they did not protect my information privacy act. They are calling my phone from XXXX XXXX  till XXXX XXXX  on an account I have closed that is still showing open and charging me Intrest rates monthly. I want this account closed as I have asked them to do. This another tactic they are using to make my bill higher. I want the account closed as of XX/XX/2019 card last 4 numbers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc
State: FL

Complaint narrative:
The collection company has failed to show proof that I am the consumer who is responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please reference XXXX that was closed. 

The credit card was closed and the full payment balance was paid and despite this Wells Fargo placed charges on the card that were not made by me and is now charging me late fees and interest on this fraudulent charge that THEY placed on my card that was closed months before.

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 2019-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services
State: SC

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: VA

Complaint narrative:
Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company and the account is a business account. I do not have a business or a business account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
In XX/XX/2019 we received a statement from this company saying our escrow is {$400.00} short. When I called 5 times to have this situation handled I was put on hold for more then 30 minutes with no questions answered. Then on XX/XX/2019 we received a delinquent notice for {$130.00} from our township saying they havent been paying the taxes corrected. I received zero explanation how my escrow is short but theyre not paying my taxes correctly. I read online theres SEVERAL people going through this same issue with no answers to why their escrows are short and why their taxes are not paid correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a target card. 
Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX .... 
ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE. 

SHE SAID NO I WOULD BE FINE. 

Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee.. 

AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE. 
OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED ..

AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day. 
Not one person made it clear I wasnt doing it right untill recent. 


Problem 2 : A few months ago I had a prepaid card that I got my work pay check on. 
I used the prepay card to make 4 credit card payments. 
I had the funds in the account. 
The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments. 
This was a simple mistake. 
I called target BEFORE the payment was sent back. 
BEFORE.. 
I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY.. 
THEY SAID JUST WAIT ... 

NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT. 

IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, we requested a refund from Capital One for an extra payment ( {$1200.00} ) we submitted two days prior on XX/XX/XXXX. On XX/XX/XXXX, Capital One added a payment adjustment to our credit card transaction history, it shows up as PAYMENT ADJUSTMENT in the transaction history. But, this refund was never sent, in fact it was cancelled. However, The PAYMENT ADJUSTMENT still shows on our account on XX/XX/XXXX, so our account balance is {$1200.00} higher than it should be. In the past month and a half we have spent nearly 17 hours on the phone with Capital One trying to work through this and ultimately get our money back. We have been told multiple times by different reps that Capital One does owe us money. We even did a three way call with a Capital One rep and a XXXX XXXX  rep ( the bank that we make payments from ), and the XXXX XXXX  rep confirmed that we were missing a refund. We have opened price investigations, asked Capital One reps to call us back with updates, asked them to email us, but we never get anything. All price investigations ( three total ) have been closed without any action by Capital One. The Capital One reps have never once called us back, and have never once emailed us back. We have to constantly call back in to get an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My loan was sold to Shellpoint by XXXX on XX/XX/XXXX, since that time I haven't missed a payment and have tried to setup an agreement which will place my loan in good standing status. However, I was told I dont qualify for loan assistance. My loan is technically a two months behind but, only one of the months is reportable to the credit bureau. I dont understand why this company continually sends me demand letters for questionable payments related to issues with XXXX XXXX  that date back to XXXX. I feel as though i'm being harassed by Shellpoint and wish someone could help me. I suffer from XXXX  XXXX and their treatment toward me is making my life a difficult. The representative are rude, insensitive and borderline disrepectful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Fair Collections & Outsourcing is attempting to collect an invalid debt that is not mine from XX/XX/2016 based off of a previous apartment lease. I have tried to dispute this but FCO refuses to validate the debt correctly and claims what they have is sufficient even though there is not sufficient evidence present. XXXX XXXX attempted to collectcharges from me based on the itemized list sent to me for carpet and vinyl replacement 3 months after my lease had already expired and the apartment was already being rented to another tenant. In addition I received no letter from XXXXstating these charges until Fair Collections and Outsourcing sent me the first collection notice. Also, the document that Fair Collections & Outsourcing sent me is a copy of the lease agreement however there is no legal signature present. On the bottom of the document it states it was executed via e-signature however FCO was unable to provide me a copy of the original document with a valid signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Ive tried calling this company multiple times about the fraudulent collections they have on my credit report, they keep saying that theyre attempting to collect a debt from a apartment complex Ive never lived at in my life, Ive sent in the information that was requested my identification official police report and federal trade commission report & Theyre still falsifying that the account belongs to me and hanging up in my face, I tried reaching out to the apartments but now there under new management and I wonder why, This is by far the worst experience Ive encountered with a company in my XXXX  years of living.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES
State: KS

Complaint narrative:
XX/XX/XXXX I lost my job, my house flooded, and my truck blew up. I had a XXXX card that had crawled up to {$13000.00} over the prior years and they increased my interest to 29 % and my payments were not able to even cover interest. I contacted a financial advisor, XXXX, and signed a POA and was told to stop paying on the card so we could settle the card. 

The card was eventually turned over to Zwicker & Associates XX/XX/XXXX. At that point XXXX began working the Zwicker when she was able to reach them. Many, many messages were left. I believe she also text them, but they don't answer the phones ( I have tried to call them myself! ) They did call XXXX to discuss settlement, but even after reaching an agreement they again were impossible to reach. During at least one of the conversations with Zwicker they were informed that I had moved to XXXX. XX/XX/XXXX they filed a Summons in XXXX County, XXXX and XXXX again tried contacting them to request the copy of the agreed upon settlement that had never arrived to XXXX or myself. After leaving daily messages for many days she was never called back. XX/XX/XXXX a Notice of Entry for {$15000.00} was filed with the Court. XXXX again tried contacting as we were still attempting to reach them, but they were not answering phones, not replying to messages sent. 

XXXX finally got after XXXX Legal to retract the judgement as I was not in the State of XXXX and that should have never been filed. XXXX Legal retained another firm for the State of XXXX  and they pulled a copy of the XXXX Judgment and said they could not do anything as they do not practice in XXXX. 

XXXX legal has reached a settlement agreement with me at this time, however, they can not seem to get Zwicker to retract the judgement either as we have been waiting 2 weeks already and we Still can not reach Zwicker. 

Their behavior is rude when you are lucky enough to reach them, they are practing unethical practices, and when informed that I was not in the State of XXXX, that I had to move to XXXX  to take care of a parent on XXXX they even illegally served and filed papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Item was disputed on Credit Report since XX/XX/2019. The item is not my account. I do have an account with this credit and I haven't open an account with this credit. 

I have asked the credit bureaus to investigate the item and company and the credit bureau will not provide written documentation or proof of a contract to me to proved that I have an account or open an account or have association with one of the company 's associated businesses. 

I have contacted the company, personally, and they will not send the documentation and they will not removed the item from my XXXX and XXXX Credit Bureau Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I contacted Capital One because of charges on my account and was told by their representative that in order to remedy the situation I first needed to pay off the card in full, which I did. I called back and was informed that what I paid were fraudulent charges that Capital One knew about, which had caused them to issue a new account number several weeks prior. 

My issue now is that, despite being told about the fraud on my account, Capital One has not released the funds I overpaid nor the interest and other fees charged to my account. 

I'm requesting a full refund of approximately {$170.00} be paid to me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Part of the letter I sent to Wells Fargo Bank in an attempt to resolve the issue : I am writing to you regarding the above matter in which Wells Fargo Bank apparently held/diverted money I deposited into the account of XXXX a customer of Wells Fargo into Collection. The above {$1000.00} was purposely deposited into this account to be used to fund a youth sports team in my home country The XXXX who needed financial support to travel overseas for a competition. They needed help at the last minute because the funds they were expecting got entangled in the bureaucratic government web. I received a call from the team leadership frantically asking for my temporary support until they can get things hatched out. The team was set to travel within a few days. 
Out of love for my country and concern for the youth who would have been devasted had the trip been canceled, I asked for an account in which to deposit the funds through XXXX. The account number of XXXX was given to me by one of the teams managers and we tried to reach out to him to verify details. Once I was given the green light, I disbursed funds from my own account at XXXX  as you already know putting on hold a very important project I was working on. 

It turned that the account holderXXXX owed Wells Fargo some overdraft fees in excess of {$1000.00} and that the account was either suspended or closed. For Wells Fargo to have total disregard of my situation and hold on to these funds because they were deposited into a closed account or one in Collection shows the type of corporation Wells Fargo is. It is illegal to hold my money hostage in a dispute that doesnt involve me. Wells Fargo doesnt have a very reputable name in the public domain and I intend to send my complaint to a reputable news outlet if this situation isnt amicably resolved within 30 days of this letter. {$1000.00} is a lot of money and it was through hard work that I got this money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: KY

Complaint narrative:
I have tried to fix this with discover card they said they done a investigation and still hold me responsible I can't find my bill there is XXXX.dollars I think I should not have to pay I don't remember the charges for my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Information on my credit shows that the account is dated 2005 from US. Dept of Education. 

The account is not my account, the account has no balances or other pertinent information. 

The account is 15 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation