vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: MI

Complaint narrative:
I received a letter from Capital Accounts on XX/XX/XXXX about a debt that is not mine. I called them and instead of then investigating it, the woman called me a liar and started harassing me. I have not had services from XXXX XXXX this is not my debt or account, I have not been seen by that office since XXXX and theyre claiming its for services rendered in XXXX. I want it removed ASAP, this isnt 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 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Foster & Garbus has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo denied my credit application citing a reason that contradicts their own guidelines. This seems to be a discriminatory action, as explained below.

My recent application for a Cash Wise Visa card was declined. Reasons given in the decision letter of XX/XX/2019 are " Ratio of credit bureau trades with a balance greater than zero '' and Number of revolving bankcards reported by credit bureau. 

According to the credit bureau cited in the letter ( XXXX  ),  my credit usage is 2 %, my credit score is XXXX out of XXXX, and the report has zero negative items. In other words, I am a responsible consumer with decades of excellent credit history. When I contacted Wells Fargo, they said my credit usage was too LOW to grant new credit. 

However, HIGH usage of credit is the frequently cited reason for denial, and all financial institutions advise customers to keep credit usage to a minimum. XXXX XXXX own website states Stay on top of how much youve borrowed against your available credit and aim to stay well below your credit limit. Keeping track of your spending will help you avoid using the entire credit limit, exceeding your credit limit, or missing payments. Keeping your credit utilization rate below 30 % may help you maximize your credit score.

The letter goes on to provide solutions, which constitute working with Wells Fargo to improve my credit rating over time and learn to use credit responsibly. Considering that my credit rating is already exceptional per the same letter ( XXXX out of XXXX ), these statements make no sense. 

Thus, the reason cited for denying my application directly contradicts Wells Fargos own policy. 

When I pointed out this discrepancy, phone customer service said it was the credit bureau 's decision. Clearly erroneous, as the letter states the reporting agency was not involved in the decision. 

Then I contacted the Wells Fargo XXXXxecutive office ( my email attached ). The agent who called me back said it was due to the possibility of me using up the huge amount of my available credit and defaulting on it. 

There is absolutely no evidence of such a possibility, since my credit history is spotless. Thus it seems that the adverse action against me was discriminatory, based on race and/or national origin. ( Such discrimination seems standard practice with Wells Fargo, considering the number of lending discrimination suits brought against them in recent years. )

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 2020-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020 at approximately XXXX I attempted to instantly transfer funds to my debit card account through Venmo. I was not allowed but forced to used an alternative slower service. When I called the information line I was informed that this happens when the bank does not participate or Venmo considers personal risk. I confirmed that my bank XXXX does participate and my credit score is the decision for denial of services. I received no disclosure of this under the fair credit reporting act. Since this seems to be an instremely frequent problem ( there is an automoated phone message stating that risk issue XXXX the government should be interested as this may affect thousands of consumers. No effort or remedy was made by Venmo was made to disclose this to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX has repeatedly tried to sue me for old debts that I can prove that I paid. In XXXX they sued me and I won the case. This second attempt to sue me was not done properly. First they called me at least 5 to 7 times a day. In XX/XX/XXXX I contacted their office to ascertain why they were calling this number again and they claimed it was still in their system. It was during that conversation they claimed they would send out documents stating that I owed money. I never received anything in the mail or in person. On XX/XX/XXXX I contacted their office after receiving a Judgement letter from the State of New York. Ms. XXXX stated that I was served, and papers were given to a family member. This is not true. I was never served and I live alone. I feel as though this law firm is harassing me for old debts that has been charged off and every method was done to pay it off. I have been in tough with the original owners of the debt. The account was closed and reported to the IRS of which I paid taxes. What they are doing is not legal and now I have a judgement against me, and I must defend my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: CO

Complaint narrative:
I have been using Credit Karma to track my credit score.The last time I tried to log in, it didnt recognize my credentials. Tried creating a new account and was told ( attached screen shot ) that I already have an account but the email associated with the account is unrecognized to me. I tried contacting Credit Karma to resolve. They only have an email to submit support tickets. Ive submitted three separate tickets over the past week and have received not one response. I tried to call their corporate phone number in XXXX XXXX and was immediately placed into a voice mail box. Meanwhile, I am seriously concerned that some unknown person now has access to my SSN and other private information. I have obtained my free credit reports from the three reporting agencies. Thankfully I dont see any unrecognized accounts opened in my name but there is some key past credit history information that is no longer appearing on my report and there is an unknown past address showing on my XXXX  report. I would like to close my Credit Karma account but just need the company to actually respond to my support requests so I can do that. As of now, I am completely unable to access my own account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have been attempting to pay off an old debt that is marked as charged off on my credit report. This is relating to an old department store credit card for Macys. It is my understanding that the credit is through CITI Bank and when calling general customer service I was directed to XXXX and XXXX. Any time calling these numbers and reach an agent I am told I am being transferred to the Macys recovery line. When transferred I have been on hold for over an hour and have not been able to reach an agent to discuss or pay off the debt owed. This has happened on multiple occasions most recently I attempted to reach by phone on XX/XX/2020. I attempted to escalate the situation and speak with a supervisor but all agents at these numbers insist that no one else can help me and that they do not have a direct number to call the Macys recovery area, they can only transfer my call to a queue. The last time I attempted to call on XX/XX/2020 I demanded to not be transferred to this Macys recovery black hole where no one answers as it is completely unreasonable to wait over an hour and still not have an agent to speak to. The agent transferred me anyways - did not care at all about my problems or concerns and disregarded my request to speak with his supervisor. Is this normal for CITI customer service to not have steps to escalate phone calls and do the complete opposite of the customers request? This is unacceptable to treat customers this way - just pass them into this black hole queue and to not transfer my call to a supervisor when requested. I have also sent an email to the citi executive email box, on XX/XX/2020, and have not received a reply or phone call regarding my issue. I do know the email was received as I did receive an auto response email I just want to try and pay you the money I owe you - can someone please call me to discuss this? Or can I please get a phone number that is not a black hole of holding?

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 2020-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
So I have been trying to resolve this issue with shellpoint mortgage since back in XX/XX/XXXX when this first occurred. Back in XX/XX/XXXX I received a statement in the amount of {$390.00}. Which I paid. The following month I received a statement saying I owed {$1200.00} with a overdue payment of {$390.00}. 

I have reached out and talked to multiple agents about this with all of them confused about this issue. They told me to contact my loan officer. After getting an email back from her, she told me to email this info to XXXX They emailed me back saying they are looking into the matter. I then emailed my loan officer about a week after this with her telling me I should get something in writing a month later. Two weeks later I get a letter saying they received my request to look into this matter. Still have not heard anything beyond that. 

Every agent I have talked to has been confused about my statements and no one can not make any sense out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 Bank approved me for a secured credit card XX/XX/2019. I was told the card was approved and paid the {$99.00} deposit for the card XX/XX/2019. They opened the card and I used it once and paid it off in full before the date of the statement payment. Following the payment in full they shut down the card with no reason and stating that the decision was made by their investigators whom I could not speak with and they have no contact with either. This company is ripping consumers off, stealing money and ruining people 's chances for a good credit score. There is no valid reason for them to close the card after it being opened less than 40 days. There are more consumers this is happening too and it is devastating to think that you all allow this to go on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-24 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: BB&T CORPORATION
State: SC

Complaint narrative:
My wife and I have had a business line of credit with BBT bank, now XXXX for over 12 years. 

For the past 13 months we have asked for a paper statement on our accounts to be sent to us so we can track activity, verify balance and make proper payments on time. 

The bank has not followed through and now has placed a 30 day late on our account. 

We have tried multiple times through, phone and in person visits to our branch to correct this issue with no avail. In fact the bank seems unwilling to work with us in any fashion. 

We have to call the bank each month to verify the amount due because the interest rate is variable and the balance also varies on our business needs. This is the reason why we have requested paper statements. In addition, we file these statements in our business records for reporting reason.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On today, I received a collection call from Mariner Finance which I have a loan with that it almost 30 days past due. The agent XXXX called to see if I would be interested in filling out an app to refinance my loan to get an extra money and to update my account to current. I refused starting that since I was unemployed I did not want them to run a credit app on me because I wanted to ensure I didn't have any extra credit dings on my credit and bring down my credit score and she agreed not to as I told her that my payment would be made in 2 weeks once I get my tax refund. 

Immediately when I got off the phone, I received a credit alert that they ran a credit app on me for an extended loan for which I didn't request. I called her back to confront her and asked why they ran a report when I specifically asked her not to. She said they ran a check on credit that didn't impact my credit which was a flat out lie, I told her that the kind of pull they did was an actual hard request for credit pull, not a soft one that a creditor does when they want to evaluate credit. This brought my credit score down and they want do anything about it or reverse it's course. Not sure why they ran this report on me but I want it reversed. Here 's info on the company below. 

Mariner Finance XXXX XXXX XXXX. 
XXXX, TX Phone : XXXX Branch Manager - 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 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Not have I only tried to fix this issued with the management of BMO Harris Bank in writing, this is my second complaint to you. After the first one the VP of the bank wrote me an apology letter saying it will not happen again, yet they are doing it again. I pre-pay my loan quarterly, in the exact amount due, then they apply the payments to the principal and charge me late fees on the payments I have a already paid! This is an illegal practice, and they need to reimburse me and do a full accounting of my payments as they are deliberately trying to commit loan service fraud. Please contact them and audit them. As a former XXXX  XXXX in the XXXX XXXX, i helped create the CFBP for this reason among other loan service acts of fraud and predatory lending. Please see my attached XXXX statement, which shows them doing the exact same thing. They are misaproproating my payments for profit. Thank you, 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 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
My complaint concerns PHH Mortgage. 

On XX/XX/XXXX We refinanced our mortgage with another entity ( not PHH ). We signed all the closing documents on XX/XX/XXXX. They were to pay off PHH mortgage. They did that. 
On or about XX/XX/XXXX it occured to me that I had not received any written documentation from PHH nor had I received the excess funds that were due to me from PHH as a result of the payoff. The amount was {$10000.00}. I called them. They said they issued a check on XX/XX/XXXX - a FULL 26 DAYS after the closing. They said they send it via regular mail. I then called again on XXXX since I had not received the check. They offered to stop payment on the XX/XX/XXXX check and reissue a new one.  They said it would take 10 days and would come regular mail. I also asked why they don't send a payoff letter. They claimed they will only send a payoff letter if I request it. Not usual practice. 
On XXXX, I received a XXXX  next day air envelope ( tracking XXXX ) with the check dated XX/XX/XXXX. The XXXX label shows that it was sent on XX/XX/XXXX. 
I called again on XX/XX/XXXX to see if I would be able to cash that original check, they claimed they had already put a stop payment on it since they were going to issue a replacement check. I asked how they were planning on sending the replacement check and they said regular mail llike the last one which did not come regular mail obviously. 

I DON '' T KNOW WHEN OR IF if I will receive a replacement check - but my guess is if I do, it will be in the neighborhood of 2 MONTHS to get a refund of over payment of {$10000.00}. 

I believe that they do this on purpose so they can bank the funds for a while : Delay the check, customer complains, cancel check, reissue check, mail it ( maybe ) without tracking information. 

I have the envelope with the XXXX next day air tracking and date label, the check dated XX/XX/XXXX which I can not deposit because they put a stop check order on it while they fumble around and reissue the check. 

As an aside I also refinanced another property at exactly the same closing, that went perfectly and the payoff was to XXXX  XXXX XXXX and the overage was issued in a check to me with in weeks of closing. 

I think they are not following the consumer protection law and I am also worried that they will not file a satisfaction of mortgage with the appropriate agency.

Company response to consumer: Closed with explanation