vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: OR

Complaint narrative:
I had an interest refund due from ARC Home Inc., from my house sale. They were to refund {$510.00} to me via check to my new address which was furnished to them prior to the close on XX/XX/XXXX. I did not receive the check by XX/XX/XXXX so I called and spoke to XXXX who said that the refund check was sent to my old address. I waited until XX/XX/XXXX and the check had not yet arrived via forwarding USPS. I called and spoke to XXXX at ARC and he put a stop payment on the check and said he would issue a new check. That same day XXXX from ARC said that the new check would go out on XX/XX/XXXX. Today is XX/XX/XXXX and the check had not arrived. I called today and spoke to XXXX who said the check request was canceled because it has to be 30 days from the time of the first check to write the replacement check. It has been over 30 days and I guess if I had not called they would not have reissued the replacement check. In the meantime, the first check did arrive, but it is no good because there was a stop payment. I did find out that it was NOT sent out until XX/XX/XXXX even though it was printed on XX/XX/XXXX. XXXX said that the new check would be 'cut ' on XXXX XX/XX/XXXX but I doubt that it would be mailed out then. I asked for the check to be expedited due to the long wait for my funds to be returned. She said she could not do that ... I asked to speak to a supervisor and XXXX came on the line. He was condescending and non-cooperative. After enduring his total lack of willingness to assist me and when he asked if there was anything else he could do to assist me, I told him he had not yet assisted me in any way ... .I asked to speak to his supervisor and he said no one was above him. I then asked if he was the President of ARC Home and he said he would see if I could speak to another manager ... but I would probably have to wait 1-2 hours on the phone to do so. It was definitely a power trip. I still am without my funds and ARC Home 's employees are wielding what little power they think they have at the consumers ' expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a HSA savings account with XXXX XXXX  with {$1000.00} in 2012 ( I believe ). I never used these funds. At some point XXXX XXXX A DIV OF WEBSTER BANK bought out the account and started charging fees against my knowledge and permission. I did not authorize this nor would I have held the account with them. I started out with {$1000.00} but the account ended up with {$850.00} which was turned over to the state for unclaimed property ( I do not have this money as I await due process from the state ). I called XXXX and they stated they can not do anything for the account nor refund any money they illegally took. I would like XXXX to refund the fees that were illegally charged. I signed no documents with them allowing fees to be charged. 

I can not upload any documents regarding this because XXXX never sent me any paperwork regarding buying out my account from XXXX but I did find out the name of the bank and account number from the states unclaimed website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I attempted to set up business with XXXX XXXX through my XXXX XXXX ISP provider. XXXX XXXX was unable to install service at my address and never provided any service to me. I am not liable for a service that was never rendered. This has now been reported to CRA 's and I have disputed this with CRA 's and successfully gotten this removed. regardless of the actions taken by me they have sold my account to collections and attempts continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMERCE BANK
State: MO

Complaint narrative:
I have already addressed this issue, and now commerce bank has put me back on the credit card and also my credit report. 
Link to last complaint filed- https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX Now it's back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2020 I received a written notification from XXXX XXXX XXXX , XXXX claiming they were attempting to collect on a debt for the original creditor XXXX XXXX  with an account number referred to as ( XXXX XXXX XXXX XXXX ). 

Upon receiving this information and not having any previous knowledge of the account in question I requested validation under the Fair Debit Collection Act. In my request, I demanded a copy of any and all documentation showing this account was authorized and opened on my behalf including but not limited to a signed agreement. On the contrary to my request I notified Monarch that this account was previously investigated by law enforcement and deemed fraudulent due to identity theft but pursuant to law I would await their proof of ownership. 

On the contrary to my previous position on XX/XX/2020 I received notification including copies of what appears to be a credit card statement. In a review of these documents which did not include what I requested the name and address were both identifiers not associated with me personally. At this present time I have turned the matter over to our attorney for immediate action but I was instructed by law enforcement to open a claim pertaining to Monarch 's failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I tried calling transunion credit reporting agency, to have a fraud alert and a freeze put on my account. The company TU, did the right thing and wanted to verify it was myself, XXXX XXXX, contacting them. I entered all the data they asked for, and the were to send a verification code to my phone. The code never came through. Whether the code was actually sent or not I can not verify, or whether my carrier failed to notify me I do not know. The company TU then tried to use information from my credit report that they maintain on file to verify. Understandable using a second verification process, a good idea! The problem : All the questions are generated by computer process. The questions are generated from information stored on my credit report! The questions asked by the automated system had answers reflected by the company 's reporting to the agency about my history as a creditor. I answered every question according to my knowledge of the loans inquired about. Every answer was ACCURATE! I GAVE NO ERRONEOUS answers. None of the loans I was asked about pertained to either myself or our household. As a result all of my answers were considered wrong, faulty disqualifying me to have my request honored. I now know I am being punished by the credit reporting agency for giving the right answers. The company cared little about the fact that the questions asked were in regards to erroneous information they had on record about me. 

I am frustrated angered and disappointed with this company. There is no easy way to resolve this issue. They are making a difficult situation worse. Policy took precedent over truth. Policy over service. I am at risk even more now because of an inept policy. I feel the company is at risk of liability of further damaging my stolen identity.

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NC

Complaint narrative:
A few weeks back, I got a Netspend card in the mail, stating I was prequalified for the card. I did not need one, nor did I want one, so I shredded it. Then I forgot about it. The following week to week and a half, I got an email from Netspend with a subject line about activating a card. I deleted that email.

Fast forward to today. I have received yet another email about activating the card. I then remembered the card from a few weeks ago. I then opened the email. In the email, there was an HTML graphic stating I had requested the card, and they are  willing to help me to activate the card, with a link to help information. Below that graphic, there is a series of text. In that text, there is a mention that the email is an advertisement.

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 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Today on XX/XX/2020 I received an email from American Express Bluebird that they were permanently closing my account and that my account violated some terms but did not define the terms that were violated. The email says section 22 ( d ) was violated which says they can close at their discretion. I have been a customer for several years and I have a balance remaining in my account from my paycheck that was deposited 2 days ago. I cant access my money and customer service is not helping me and said I have to write a letter. They said Ill receive an email in a few days to tell me what is happening to the funds but that is it. No information, no money, no help. How can a company close an account without letting you withdrawal funds first?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is Capital One, but now has been sold to XXXX XXXX XXXX, XXXX. 
They are claiming that I owe Capital One {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, Capital One opened an investigation, and recently as of the XX/XX/XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And capital one is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My mortgage company ( Chase ) was over-collecting on my escrow account ( > {$5000.00} excess AFTER my annual tax payment in XXXX ). Even with this gross over-collection and with no indication that my taxes would change, they INCREASED escrow payments for the year. In early XXXX, I asked to have the escrow account closed so that I could responsibility for paying my property tax myself. They sent me an escrow closing notice dated XX/XX/2020 that I received XX/XX/2020. However, they did not enclose a check with my escrow account refund ( {$7800.00} currently in the escrow account ). When I phoned to inquire why they did not include the check, I was told that they typically hold onto the escrow money for an additional 30 days AFTER the escrow closing notice, and that they would be collecting another month 's escrow payment as well. I spoke to 2 supervisors, one of whom cited this link from your website in defense of their practice to hold onto escrow money after the account is closed : https : //www.consumerfinance.gov/policy-compliance/rulemaking/regulations/1026/20/ # e/5 There is nothing in this that defends that practice -- in fact, they have clearly violated your within 3-business-day notification limit -- so I am reporting Chase mortgages fraudulent practices of charging excessive escrow payments and holding onto escrow accounts for weeks to months after the closure request and confirmation. I am enclosing documentation of both of these herein. I can be reached via email at XXXX or by phone : XXXX for verification of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had purchased a shipping container from XXXX out of California on XX/XX/2019. The shipping container was supposed to be cargo worthy, wind and water tight. The container was rusted severely and leaking water. I tried to work things out with XXXX to have them pickup and replace the container. They were not willing to do anything for me except at 100 % my expense not taking any responsibility for what they had sold me.I finally had to contact my credit card company ( Capitol One ) to file a dispute claim for selling me a container that was damaged and defective. After several attempts trying to go through the dispute process, the Capitol One sided with XXXX that sold me the container. I had even had a 40 year government certified container inspector come out and verify that the container was not cargo worthy, wind or watertight. Capitol One is supposed to protect me against fraudulent charges in accordance with Visa 's and Master Card 's own guideline section 13.3 in there own manual. Capitol One has violated my protection rights for fraudulent charges along with defective merchandise and stuck me with a {$2500.00}. rusty shipping container. I had to buy another container from another company to store my furniture in while my home renovation was in progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-22 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: NY

Complaint narrative:
THE ACCOUNT LISTED HAS NO RELATION TO MY NAME, THIS ACCOUNT IS REPORTING INACCURATELY ON MY CREDIT REPORT AND HAS BEEN CAUSING DAMAGE TO MY FILE. PLEASE INVESTIGATE THIS ACCOUNT AND HAVE IT OFF MY CREDIT FILE.

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 2020-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SVB FINANCIAL GROUP
State: MD

Complaint narrative:
On XX/XX/2020, my bank, XXXX XXXX XXXX XXXX, forwarded a check to Silicon Valley Bank, via my Bill Payer request, for the purpose of paying my XXXX credit card payment in the amount of {$75.00}. When I called XXXX, XXXX. to confirm whether or not they had, in fact, received my payment, I was told that the Silicon Valley Bank was not the bank that handles their credit card accounts, but instead my payment should have gone to XXXX XXXX. Upon being apprised of the error I immediately contacted Silicon Valley Bank, spoke with Ms. XXXX XXXX, and explained the issue with regard to them receiving the check in error. I then contacted my bank ( XXXX XXXX ) and spoke with XXXX XXXX ( with Ms. XXXX on the conference call ) and tried to resolve the matter ; I wanted to know why Silicon Valley Bank cashed the check that was obviously sent in error, where were the funds applied considering there is no account for me and/or XXXX XXXX. at that bank, and why wasn't the check simply returned back to XXXX XXXX. As of this writing I still have not received an explanation as to where my money is, and why it can't be resolved. I'm inclined to believe that Silicon Valley Bank is complicit in some type of unscrupulous and unethical financial scam ; for surely this matter should have been resolved immediately after speaking with a representative from XXXX XXXX. Therefore, it would be immensely appreciated if someone from this agency could intervene on my behalf and find out why this happened and when will I get my funds back in my checking account. I am a XXXX XXXX XXXX veteran who is afflicted with an array of XXXX  as well as XXXX issues. This situation has caused me a tremendous degree of XXXX XXXX   and XXXX. Further, because of Silicon Valley 's negligence and failure to return the erroneously-sent XXXX payment, I had to, in effect, pay the bill twice ; which created another financially burdensome situation for me. If you have any further questions with regard to this matter please contact me @ ( XXXX ) XXXX or email me at XXXX. Again, thank you in advance for your time and cooperation in this matter.

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 2020-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
In XXXX, following a divorce I entered into a loan modification agreement with Wells Fargo. 
I was required to pay a payment and a half as well as a XXXX ( not sure ) initial payment to bring my account current. 

As a more informed consumer, in XXXX, I inquired about my loan and was advised that they restarted my loan, losing 8 years of payments in which I was unaware of. 

The facts my mortgage is about XXXX. XXXXX=XXXX. 
XXXX x 8 years is XXXX for a XXXX. XXXX loan default which was repaid. This is extremely against consumers protection. 

Please investigate and advise. 

Thanks 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 2020-02-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: National Credit Services, Inc.
State: FL

Complaint narrative:
My student loan is in default. The department of Education transferred my loan to a company named : NCS Collect. I was advised via mail to contact the company or risk wage garnishment. This company has been a nightmare to work with. I've been trying to obtain a reasonable payment plan to get my loan out of default since XX/XX/XXXX. I called and stayed on the phone for more than an hour providing financial information to calculate my repayment amount. After uploading sensitive documents including pay stubs and tax info, I was told that the info would have to be reviewed. I was supposed to receive a call back. That call never came. I tried to call them back the next day, and I couldn't get anyone to speak to me. I was either transferred to a voice mail by someone, or the call went directly to voicemail without me speaking to anyone. I called the Department of Education, and after demanding to speak to a supervisor, I filed a complaint. NCS called me during work hours which obviously isn't going to work, since I'm trying to make money to pay the money that's being demanded of me. I'd call back, and get someone different. I'd then have to go through the ENTIRE process of sending in documents and going through my bills to get a payment amount that was too high for me to pay. I went through this circle 3 times. Each call would take about an hour. I'd be directed to call back, and either my documents weren't received or they were under review. Finally I got to a point where I provided my debit card and scheduled a payment with someone only to be told to call back. When I called back, I had to send the same sensitive information, this time proof of medical receipts only to find out later that they hadn't even calculated my payments based on the documentation I sent in. I've emailed all of this sensitive info to 2 different email addresses and uploaded them to their portal MULTIPLE times. After calling again, and providing my card info again, and resubmitting a document to reflect an even higher amount than I agreed to which I accepted out of frustration, I was told ONCE AGAIN to call back Monday ( XX/XX/XXXX ). I called yesterday, and got voice mail. I wanted to stay on top of things. I can't take this anymore. I believe that I'm being given the run around, so that my wages can be garnished. I think this is intentional between this company and the Department of Education, and it is WRONG. If you review the XXXX XXXX reviews for this company, you'll see the same complaint over and over. Be threatened with wage garnishment only to not be able to work out a payment plan to be executed successfully. It's exasperating. No one wants the embarrassment of wage garnishment, but at this point, it seems as if it would be easier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation