vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I recently reviewed my credit report and noticed an erroneous account being reported by XXXX XXXX XXXX to the Credit Bureaus. Knowing that I've never done business with XXXX XXXX XXXX this presented some red flags. I immediately sent a dispute letter via certified mail on XX/XX/XXXX, tacking # XXXX XXXX XXXX XXXX XXXX, requesting VALIDATION of the debt. I simply requested LVNV provide copies of any papers showing I AGREE to pay what they say I owe per the Fair Debt Collection Practices Act. The certified mail was delivered on XX/XX/XXXX @ XXXX. 

On XX/XX/XXXX I received a response from Resurgent Capital Services claiming to represent XXXX XXXX. In their response they claim the original creditor is XXXX XXXX XXXX and attached an account summary with alleged charges which they claim provides verification of debt. I have never done any business with XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow up dispute letter via USPS to both XXXX and Resurgent, tracking # XXXX XXXX XXXX XXXX XXXX. The dispute letter arrived on XX/XX/XXXX. In that letter I stated that their response did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Anyone can type up a fake statement and put your name on it. I am just asking for a signed contract proving I agree to pay or agreeing to enter into a contract with said party. I can guarantee there will be no such thing as I did not enter into any agreement with the bank. I have no problem making this a legal matter but would rather this get resolved outside of court. 

On XX/XX/XXXX a response was provided once again with NO VALIDATION of debt. I once again received fraudulent and erroneous statements claiming that I owe {$1100.00}. I am hoping this complaint will stop the illegal false reporting of debt that has affected my credit before I have to take legal action. Once litigation begins I will not settle outside of court. An example will be made of these criminals. 

I also sent dispute letters to the 3 credit bureaus. I have not heard anything back yet. I am hoping they find this reporting to be false and erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: IL

Complaint narrative:
Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing on behalf of my parents, XXXX and XXXX XXXX who are XXXX and XXXX years old respectively. They received an offer in the mail saying that if they opened a Capitol One 360 account with a minimum deposit of {$20000.00}, prior to XX/XX/2018, they would receive a {$200.00} bonus. I set-up the account for them as they have no computer or access to the internet at their assisted living center. After opening the account on XX/XX/XXXX, I received an email saying that a small deposit would be made to their XXXX XXXX account ( source of funding 360 account ) and that I would have to email them with the date and amount of the deposit. I did this, but watched the account for a few days as it was not showing as being funded. On approximately XX/XX/XXXX I called and was advised that I also needed to set-up a profile for my mother ( the email was sent to my father ) and also say what the date and deposit amount was to their XXXX account. In attempting to do this I had numerous problems as my mother has an old sign-on from 10 years ago and of course does not remember the user name or password. It took many calls into Capitol One, including one where I picked my parents up at their assisted living facility and spend 2 hours and 45 minutes at my house on calls with Capital one 360, the credit card division and the bank ( XXXX representative ). I wish you could listen to the call ... ... it was absolutely ridiculous. Anyway, by the time we finally got the account funded we were past the XX/XX/XXXX promotional period. I explained to the representatives that they could see when I opened and attempted to fund but due to their fraud prevention rules the transfer was not made. I also find it amazing that Capitol one would send an offer to consumers in their 90 's when they have no branches to assist in fulfilled the offer. I told this all to Capitol One and all they did was send a letter back to my parents saying, so sorry, can't break their rules regardless of how old you are. I think this is totally unfair and appeal to you to have Capitol One reconsider. My parents live on a small pension and transferred all money they have into Capitol One. This borders on being a deceptive offer! 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: DISCOVER BANK
State: IL

Complaint narrative:
I made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
1-created obstacles to repayment by providing bad information 2-told not to consolidate loans in order to keep me in higher interest plan 3-improperly directed into interest only payments and forbearance over and over again 4-loans paid off still showing as open on credit report 5-customer service repeatedly unhelpful and unwilling to escalate problems. 

overall i have been mislead about my repayment options, making it more difficult and expensive than necessary to repay my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
OVER 8 YRS AGO MY DAUGHTER RECEIVED A LETTER FROM XXXX XXXX IF SHE BROUGHT {$200.00} IN TO A LOCAL XXXX XXXX, SO MY DAUGHTER AND MY SELF WENT TO XXXX XXXX XXXX, WV, SO WE GAVE THE MONEY TO LADY, BASE ON THAT WE THOUGH WAS TAKEN CLEAR OF, ONCE WE START RECEIVING THESE LETTERS FROM XXXX XXXX, I CONTACT SEVERAL TIMES, XXXX XXXX SUPERVISOR I TALK OVER THE PHONE WAS VERY NASTY, THAT LETTER MY DAUGHTER RECEIVED FROM XXXX XXXX HEAD OFFICE READ IF SHE BROUGHT {$200.00} AND PAY IT ON THAT CREDIT CARD IT WOULD CLEAR THE WHOLE, SO LADY TOOK {$200.00}, FOR YEARS WE TRY TO FIX THIS ERROR BY XXXX XXXX, THEY DID NOT HAVE ANY PROBLEM TAKING HER {$200.00}, SO OVER YEARS WE HAVE BEEN HARASS BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA,XXXX, REF ACCOUNT # XXXX, IT A SAME THAT XXXX XXXX DOES THIS. 
THANK YOU XXXX BLESS XXXX XXXX XXXX XXXX, WV,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I initiated a wire transfer in late XX/XX/XXXX to ensure I had adequate balance to cover the upcoming rent. However, much to my chagrin, I find that everything that posted over the long holiday weekend was processed to my account on Tuesday, XX/XX/XXXX, with no logic on order of processing other than bank whimsy. I was hit with multiple {$38.00} NSF fees ( six at last count ), including two for charges which were under {$7.00} each, and for which I had a positive balance at the time of the transaction! Rather than processing the incoming wire in queue first ( which was initiated days before the transactions in question ), the bank processed every other debit to ensure they maximized their NSF " gains. '' I have been a customer for 21 years, and this is untenable. They have offered to reverse two of the fees, but I will not accept less than all of the fees being overturned. This is hugely unfair, and really lets me know what this bank thinks of its clients. Same as all banks, I guess ... .we 're all cash cows ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-05 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank refusing to remove unauthorized charges for 3 months with explanation that they are investigating, as thou citi bank is trying to proof Im responsible for this charge. Even telling me to pay the charge or they report as non-payment to credit reporting bureaus. 
Their lack of card security enabled this unauthorized transaction. Since citi bank authorized the charge without verification. 
On the merchant statement that was submitted, 0name was wrong and the address was wrong, Citi bank reps refusing to acknowledge the law of Fair Credit Billing Act. Credit CARD Act of XX/XX/XXXX eRegulations 12 CFR Part 1026 ( Regulation Z ) Credit Card Loss or Fraudulent Charges Under the FCBA, your liability for unauthorized use of your credit card tops out at {$50.00}. However, if you report the loss before your credit card is used, the FCBA says you are not responsible for any charges you didnt authorize. If your credit card number is stolen, but not the card, you are not liable for unauthorized use. 

XX/XX/XXXX REVERSE XXXX XXXX ONLINE XXXX Posted Date : XX/XX/XXXX {$980.00}

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 2018-09-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase credit card has not given me protection on services rendered on a particular dispute I opened with them. XXXX XXXX failed to deliver my bags for my wedding in XXXX and ruined my whole wedding and vacation. We had to cancel the wedding due to this. I opened a dispute and chase is saying that XXXX XXXX is not responsible for my bags and that they only sold me a ticket to fly. I sent them proof that the ticket was purchased with one luggage and they are refusing to side with me on the dispute. Please let me know what I can do about this matter as it is very serious to me. They are saying that they are only responsible for getting me there, and not my bags ... This was not disclosed to me and the whole purpose of this particular trip was for a wedding which didn't happen because they didn't deliver the bags on time for the wedding which had the tailored tux and dress in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting Feedback to a claim with Chase filed on XX/XX/XXXX and XX/XX/2017. ( I have tried for days to reply to respondent, Chase but can not get back into your system ) Ref # XXXX In conclusion : Chase Bank directly lied to me upon my asking if my condo needed to be my Primary Residence. I was told 'NO ' ... .later I was told it had to be my primary residence, but they did not want to 'discourage ' me? Really? 

Lie # 1 After speaking with one of their customer service reps handling my case of loan modifying went on to tell me 'you are not in arrears ' with mortgage payments. Apparently if I am not in arrears I am not struggling. So I asked if it would help if I were to become in arrears? 

Lie # 2 Chase continues to ask me if I would like to re apply for a loan modification? My circumstances have not changed. 

I qualify for the loan modification financially but Chase refuse to help a senior when most needed. My savings will soon run out so apparently Chase would, according to their statements like me to apply once again. 

None of this makes sense. However, I did some research and found that Chase offers a loan modification to its customers but rarely, if ever, approves it. There were hundreds of complaints regarding my type of situation. 

I am XXXX yrs old. I need help. I have been with Chase for more than a decade with an outstanding record of on time payments. Now when help is needed I am denied? 

Why? Is it age related? Predjudice? I  waited 6 months after applying and sending in my life long history of bank acct, social security income and all that was asked ... .Chase had me wait so long that there was not one but two appraisals on my condo! 

When asked if I could refinance, I was denied as well. Chase said my condo was worth less than what I paid for it. 

Would Chase Bank like the condo back? Is that what they are seeking? A fore closure of sorts? 

I have appealed to you because I genuinely feel there is something underhanded, illegal and puzzling about the way Chase has handled their customers. If you could look into their complaints of their business practices, I think you will find some measure of illegal activities going on. 

Thank you for all of your help. 

Chase Bank XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
This is a medical account with XXXX XXXX in connection with a hospital visit on XX/XX/XXXX. The debt collector is NCC. They have been harassing me for the past few months by robocalling/ leaving me at least 3 open voicemails on my cell phone without any message. I spoke with them on XX/XX/XXXX and verified the debt and asked that they stop doing that because it is annoying and taking up too much of my time when no one actually calls you. My phone does not ring. It goes immediately into voicemail and a voicemail isn't left. I need that to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have four savings accounts at Wells Fargo, one for each of my children. My mother, XXXX XXXX XXXX, is a signer on each account and also an employee at Wells Fargo. After learning that my parents have stolen money from multiple family members and organizations I decided to close my childrens accounts and move them to the credit union I am a part of. While at the Wells Fargo branch ( on XX/XX/2018 ) I was informed that my mother withdrew all of the money from each account, leaving only {$100.00} in each ( total withdrawn was just over {$3800.00} ). She had also opened new accounts for each of my children with only her name and their names on them. I inquired how she would be able to open an account for a minor that she isnt the guardian of and was told that all she needs in their SSN. The only way she ever could have access to any of my childrens SSNs would be through her employee access at Wells Fargo. I have made a complaint with them and they are investigating but it has been almost two weeks and I am completely brushed off and dismissed when I call to ask about an update. 
I do not care about the money, some of it was even put in those accounts by my parents as XXXX/birthday presents, what I care about is cutting all financial ties between myself/my children and my parents. 
Wells Fargo will not allow me to close the accounts she has opened without my name. When I contacted my mother she told me not only would she be leaving those accounts open, but she will also be distributing my childrens SSNs to other financial advisors and institutions to open new accounts.

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 2018-09-05 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX-XX/XX/XXXX Exeter Fin XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days.

Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/2018, the loan was in foreclosure and my home was scheduled for sheriff 's sale. The lender ( Santander ) reported the principal at that time was {$350000.00}. In XX/XX/2018, I paid the required reinstatement amount of {$68000.00}. In XX/XX/2018, I made another payment for {$8000.00}. After I made these payments ( for a total of {$76000.00} in payments ), Santander now reports the new principal is {$340000.00} -- a mere {$13000.00} difference? I understand that there are fees and penalties associated with foreclosure, but this seems excessive. Moreover, this practice is extraordinarily misleading, the reinstatement papers should have clearly disclosed that less than 10 % of my {$68000.00} would go to principal. 

The lendor ( Santander ) has failed to provide a clear breakdown of how the {$68000.00} was applied or how escrow was used. I have called numerous times and none of their reps will explain anything. Moreover, when I called in XX/XX/XXXX to inquire about the Santader 's receipt of the reinstatement amount ( {$68000.00} ), and asked when to resume monthly payments, Santander 's rep said that they had no info about the $ XXXX payment, that the loan had been " sold '' and that no additional payments were due- the rep said I'd be hearing from the " new lender. '' When I didn't hear from a " new lender '' by XX/XX/XXXX, I called Santader again, and was again told that they didn't have the loan. After hours on the phone, the rep finally determined that indeed Santander did still have the loan, but that a new account number had been assigned. The rep refused to provide any information on Santander 's receipt of the {$68000.00}, or how it was applied. The rep only continued to demand money and thousands of dollars in new late fees!

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