vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One credit card closed our accounts without any reasons. They are not allowing us to redeem out accumulated cash to purchase a new XXXX XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
I reviewed my credit report in XX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Deville Mgmt. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$540.00}. This letter was sent XX/XX/XXXX and I have not received a response to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one credit card closed 7 of our accounts for no reason and by doing so they are not allowing us to use our accumulated points to purchase a new general motors product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I reviewed my credit report in XXXX XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to Commonwealth Financial. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They claim I owe them {$510.00}, this account appear that the amount includes fees or interest. This letter was sent XXXX XXXX, XXXX and I have not received a response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My father XXXX XXXX on XX/XX/XXXX, I as one of the heirs contacted Financial Freedom, CIT Bank, N.A. to notify the company of his passing and also requested to purchase the property back within the 30 day timeframe requirement. I was told that they would not even have an appraisal of the property or grant an extension until we were able to provide a notice of intent and proof of funds, and an offer letter or the home would foreclose. At that time I was advised that if the offer letter was not enough to satisfy the loan that an appraisal of the property would be done and we would be quoted an amount to satisfy the loan, ( which should be 95 % of the appraised value not the current loan amount ). On XX/XX/XXXX I faxed all the requested documents and waited for a response. We then received a letter requesting our intent with the property and additional information, this was faxed XX/XX/XXXX. I called XX/XX/XXXX to confirm receipt of the information and was told that we were declined for an extension and that we needed to list the property for sale or the home will soon foreclose. I advised that we need them to have the home appraised so we can get the amount needed to purchase the property, they refused to do an appraisal of the property so I advised that we have no way of listing or purchasing the property until we are quoted an amount. On XX/XX/XXXX I have sent a letter requesting in writing what the options are for the heirs, an extension of the loan, an appraisal with the amount due to satisfy the loan. We are close to the 90 days for foreclosure and we have sent everything requested, without an appraisal or an extension the property will soon foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I applied for a Shell Account after numerous threats from the Company about applying for a credit card. I have to wait for the XXXX card. Please help me! I am being held XXXX by the 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 2017-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: ME

Complaint narrative:
XX/XX/XXXX began with FedLoans as my servicer. Contacted company multiple times to get information on when my monthly payment amount and qualifying payments would be determined. Was informed I needed to wait until XX/XX/XXXX to recertify unless I wanted my monthly payments to go up significantly.XX/XX/XXXX payment tracking began and my calculated qualifying payments were determined to be XXXX. This is half of what I have actually paid. FedLoans said I still had payments that were not figured into this and would be added in at a later date.
XX/XX/XXXX I began the recertification process to switch from IBR to REPAYE. The company gave me the option of paying a single payment on the standard repayment plan ( approximately {$3000.00} a month ) or a {$5.00} forbearance that also qualified. I paid the {$5.00} fee to recertify. A month later I received a bill for just under {$3000.00}.
XX/XX/XXXX I called the company back and they admitted they saw the {$5.00} I paid, but that it was never applied to anything. I again paid {$5.00} and was reassured that this time it would be done correctly and that the recertification would move forward. Almost two months later, I again received a bill for nearly {$3000.00} under the standard repayment plan which is not what I enrolled in.
on or around XX/XX/XXXX I called to find out why I was on the standard repayment plan. I was told that the XXXX $ forbearance request had never been processed and that it would now be processed. I was then told that I could not request another month of forbearance because it would ( somehow ) interfere with the processing of the {$5.00} fee. When I informed the representative I can not afford a {$3000.00} a month payment, she said not to worry because the credit agency is not notified of delinquency until 90 days of nonpayment. This to me is unacceptable.
During this entire period I have been accruing massive amounts of interest on my loans that capitalizes. Every time I call I get different information, and the person I talk to is quick to tell me that whoever I spoke with before had given me wrong information. I was also told it can take up to 90 days to process my recertification. I am now on month 5. All the while accruing about {$1000.00} in interest each month. I am on the verge of seeking legal action.
The purpose of doing this program was to have my loan balance forgiven after 10 years. With a monthly payment of almost {$3000.00}, I would have my entire balance paid in LESS than 10 years, so you can see that it makes NO SENSE to even switch to fedloans or do PSLF if I had the ability to make such payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one credit card closed 7 accounts for no reason. now they will not allow us to use our accumulated points to purchase a new XXXX XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
I reviewed my credit report in XXXXXX/XX/XXXX and noticed collection accounts that I do not recall. Therefore, I sent a validation letter requesting additional information to XXXX XXXX  XXXXXXXX XXXX. I am requesting the send me an explanation and copies of any papers that show I agreed to pay what they say I owe. They are claiming that I owe on medical debt and during the time they report that I owe on this debt I had XXXX that covered my medical visits and costs. This letter was sent XX/XX/XXXX and I have not received a response to date.

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 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had ( meaning it should have been closed ) an  account with Wells Fargo because my mortgage was sold to them in XXXX, I am aware that this is a current practice. I did not go to Wells Fargo and ask them to open this account - they happily took over the mortgage and there were no issues. No issues when I sold the house and the balance of the account was paid off sometime in XXXX of XXXX. The issue is that they kept my mortgage account open. It is open still today XXXX/XXXX/XXXX - I just spoke with them. 
The company that I work for now has their XXXX through Wells Fargo. Wells Fargo will not let me view my XXXX account ( that contains my XXXX money from work ) because my old mortgage account is still open. One account should not have anything to do with an old account. 
This is what Wells Fargo is now infamous for - opening and/or creating or not closing existing accounts once their use is long over. 
I have been all the way up to the Ethics line with  them.

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 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one closed all 7 accounts and will not allow us to redeem our points that we have accumulated to purchase a new XXXX XXXX product

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Several times Ally Financial has called me to collect on my past due auto loan. When I answer they hang up as I 'm saying " hello '' ( I answer typically after the 2nd or 3rd ring ). They are using the " deceptive '' tactic as a way to notate my account as " no response '' this has been going on for about 30 days. I have made payment arrangements via online and called to advise I have done so, and I 'm still receiving calls. As well when I contacted Ally in XXXX to make payment arrangements, inquire about assistance, and ask about they 're repossession policy the representatives as well we Supervisors refused to give me " clear & a straight forward '' responses. I am issuing a complaint of harassment against them. And would like it to be looked into

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 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is the third complaint I 've filed for this issue - I was instructed by a customer service rep at CFPB to file an additional complaint. A series of unauthorized transactions totalling {$870.00} hit my Bank of America checking account in late XXXX and XXXX of XXXX. Bank of America maintains that fraud could n't have taken place because my checking account information was used - in spite of the fact that I have reason to believe these numbers were compromised. Bank of America refuses to acknowledge that a checking account number could be stolen and used in a fraudulent matter. This is ludicrous. Additionally, I had an ATM not dispense funds for a total of {$200.00} - Bank of America also refuses to acknowledge this and maintains that they have no course of action to help with this. Finally BofA closed my account and refuses to tell me why other than to say that it was because of my claims - they did this with no warning and with the account holding a positive balance. They wo n't even tell me when I can expect to have a check for the funds that were in my account. I 've feel that I 've been targeted for filing a complaint with CFPB.

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 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one credit card closed XXXX accounts for no reason. due to the fact they closed the accounts we can not redeem our accumulated points to purchase a new XXXX XXXX  product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I received an email alert from Wells Fargo that my checking account balance had fallen below zero and was now XXXX, previous balance had been XXXX. This represented a XXXX dollar transaction! I immediately went online and found that a withdrawal of XXXX was posted to my account as a " XXXX XXXX XXXX ''. 

Subsequent correspondence indicated Wells Fargo had offset my personal funds to accommodate a business loan my ex-wife ( 5 years divorced ) had accrued. Her business was organized as an LLC and personal funds were not to be co-mingled in paying off the business debt. The offset of my personal funds to pay off my ex-wifes LLC business dept is fraudulent and illegal.

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 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Take my bankruptcy off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the American Express XXXX XXXX XXXX with a promotional offer of XXXX points after spending a minimum of {$5000.00} in the first three months. The application was approved on XX/XX/XXXX. I fulfilled the minimum spend within 2 months but was never given the promotional offer. 

I initiated an inquiry in XXXX or XXXX ( specific dates are unknown ) as to why I never received my points. According to AMEX I have previously opened a XXXX XXXX card before. This is not true. I 've previously held the XXXXXXXX XXXX card but it is not the same product/card. 

AMEX then said that a personal card was opened in XXXX but closed on the same day. This must have been a mistake as I 've only ever held a XXXX XXXX card for 1+ years. As a result I was auto denied my XXXX point bonus. A review would be opened and I was told to follow up in 30 days. 

On XXXX XXXX and XXXX XXXX, I followed up AMEX and was told I will still be denied because I had a XXXX  account. This should not be the case as I 've never owned a XXXX XXXX card. Even the first representative stated that a personal platinum was only opened and closed on the same day. I should not be denied my XXXX bonus because of such an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I contacted both the collection agency XXXX XXXX XXXX XXXX. and the creditor, ( XXXX XXXX ). The creditor investigated and then sent me a letter stating that this NOT my debt and will inform the credit bureau 's to delete this account, however EQUIFAX refuses to delete this account in spite the request to delete the account from the collection agency, which was also sent to them on XX/XX/XXXX, and me faxing them the same letter clearly resolving me of this debt from the creditor twice, once on Tuesday, XX/XX/XXXX and again on Thursday, XX/XX/XXXX. To this date,XX/XX/XXXXEquifax continues to say they have not received any contact or information from the collection agency and they can not use the information that they have finally received from me until it is " verified '' and that they are still investigating a dispute sent by me, I only requested one dispute and they state it has since been resolved and that it is still my debt. I do n't understand what they are still investigating when there is clearly nothing left to investigate, this is unjust, and unfair and this account needs to be deleted immediately. I have also filed a fraud report with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
suburban credit corporation is pursuing medical collection accounts past the statute of limitations by the State of Virginia. 

Suburban Credit Corporation is pursuing medical collection accounts after they have been discharged by Chapter XXXX Bankruptcy Courts/

Company response to consumer: Closed with explanation