vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: MD

Complaint narrative:
This is a complaint about my credit card company called Capital One ( phone numbers : XXXX, XXXX ) They have failed to provide credits for a transaction that I have been disputing since XX/XX/2018. 

In brief, I am attempting to receive full credit for {$660.00} from my Credit Card company called Capital One. This amount resulted from an automatic transaction made by a merchant called XXXX. This credit card transaction occurred on XX/XX/2018. 

On XX/XX/2018 I received an email from the XXXX merchant. This email stated that I received a refund of {$200.00} referencing the above XX/XX/XXXX transaction. I subsequently determined that this refund was not reflected on my credit card. Therefore, I contacted the merchant and was told that I needed a letter from Capital One to confirm that the credit was not applied. 

I contacted Capital One on XX/XX/2018 in order to request the letter for the merchant. Capital One stated that they do not provide letters and the only recourse is to issue a charge-back for that amount. The charge back was issued for the amount that was supposed to be refunded {$200.00}. 

When the merchant received the charge back they suspended my account. Referencing the email dated XX/XX/2018 from the merchant called XXXX billing ... they admit that my " refund for {$200.00} was not successfully processed. '' Up to this point I have done nothing except follow the directions from the merchant and Capital One. My account is now effectively closed through no fault of my own and I expect a full refund of {$660.00}. 

I have received credits totaling {$430.00} against the debit transaction of {$660.00}. This leaves {$220.00} unaccounted for. Over a period of 6 months I have called Capital One approximately 9 times regarding this disputed transaction and the unaccounted for amount of {$220.00}. Many of those calls ( but not all ) are documented as follows : Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX minutes. 
Call to Capital One : XX/XX/2018, lasting XXXX hour, XXXX minutes During many of my calls to Capital One I have been told ( again and again ) that the merchant would have 45 days to respond to any dispute. And yet this has dragged on for 6 months. On XX/XX/2018 I uploaded supporting documents to Capital One. Obviously, we are now far beyond the 45 days. I can provide a recording of the XX/XX/XXXX call to Capital One. As I have indicated many times, I still need a credit for {$220.00} to resolve this dispute. 
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Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-26 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: SC

Complaint narrative:
I have information reported on my Equifax credit files and can not access it in order to challenge it as I was affected by the data breach of 2017 and my file is henceforth inaccessible. 

the information contained in the file has numerous grossly inaccurately reported items which have to be investigated and removed, Equifax has this data listed and I need this looked into. 

The accounts that follow are the principal accounts even though their are duplicated accounts from the same companies : XXXX XXXX XXXX account number : XXXX XXXX XXXX account number : XXXX XXXX. account number : XXXX XXXX XXXX. account number : xxxxx XXXX XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number : XXXX XXXX XXXX. account number XXXX XXXX XXXX. account number ( XXXX ) : XXXX XXXX The redacted account numbers are as they appear inside Equifax. 

I have asked them to look into this via Web Mail disputes and have not had the help required. Their are numerous accounts reported in error and I am requesting the right to dispute them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have sent all baseline identifiers ( i.e. state issued id, social security card, utility bill, and a formal written request, to have this company ( merchants credit guide account # XXXX ), remove this fraudulent account from my credit profile, as this account does not belong to me, and can not be verified. I have never had an account, with this creditor, or the original debt collector. I have spoken to a representative from merchants credit guide and no change has occurred. The person that I spoke with is ; XXXX XXXX, and he can be reached at ( XXXX ) XXXX ext XXXX. The amount that this creditor is attempting to collect is {$550.00}.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I called Bank of America in XX/XX/2018 informing them I made a terrible mistake and had forgotten I had given my Son XXXX XXXX permission to take money from my bank accounts If I ever became seriously ill again. Frauds Department had already processed this claim as a fraud and gave money back to my account on this transaction. I told them several times in XXXX, last month, this was not a fraud and I had forgotten I gave my son permission. See my affidavit uploaded here., the bank said they would begin to reverse the claim and process it. On XX/XX/XXXX I got a letter uploaded here also, from some banking department saying the claims that my son has made an issue would not change in their decision. Regardless of my many calls to the bank in XXXX informing the bank I made a big mistake, that I had forgotten I had given my son permission for my banking matter when I was ill again. The bank did not reverse the claim and said the decision was final. How can this be? This is very wrong and their first decision was based on false information I had mistaken gave them to act on.. Now the bank is still pursuing my son for recovery of the funds when he has done no wrong. He was only doing what I told him to do. The bank needs to correct the error and reverse their decision. Iconfirmed many times in XXXX that this claim was an error filed by me. I never sent them in any paper work or affidavit either, until just now confirming here that this was not a fraud. My son was only obeying what I told him to do. 
I have drafted a notarized Affidavit today so there will be no more misunderstanding about the facts and circumstances in my banking matters and this claim which had a claim # XXXX. 
This affidavit clears my son of any wrong doing and is documented that I made a big mistake and forgot I had given my son permission to take money from my bank 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 2018-10-26 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/18 someone went to XXXX and charged {$5900.00} on my Discover card. The charge was not made by me. I have since been fighting to remove this charge from my account. I have been paying interest charges for a charge that i did not make. I have spoke to Discovers Fraud department numerous times only to be accused and treated rudely for something I did not do. No one at Discover will do anything to get this off my account. I filled a police report and have contacted them numerous times to get this straightened out with no luck. I'm in the process of buying a house so I have been paying for this charge in fear that I will ruin my credit and stop my process. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received an email today from Wells Fargo thanking me for opening a business account. I did not open the account. I am concerned because I know that Wells Fargo has a history of doing this. I called and spoke to 2 people over 30 minutes and they could not help me. I was told they would refer this to the Business Case Management Team.

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 2018-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
This is my second dispute in regards to Safco. In regards to the dispute that i submitted on XX/XX/2018 and Safcos response.The notice to default was Mailed on XX/XX/2018 stating that I had until XX/XX/2018 to bring my account current but, the account was closed on XX/XX/2018. How can I respond to a notice to default if the account was closed 4 days before the default date? I was informed on the account status when i first called in and explained to the company that the vehicle was in the shop. I was then informed to hold off on the payment because your company would be getting back with me and that your company would place me on do not call due to late payments until your company could figure out whats going on. In mid XXXX i followed back up with the company to see what was going on after i received a phone call from Safco in which the company called and hung up. I called back and the rep got smart with me. I then asked for the supervisor and the supervisor got smart. I then asked to be contacted by writing only because i felt like this was becoming a stressful situation. HOW CAN SAFCO SEND A DEFAULT TO CURE LETTER ON XX/XX/2018 STATING THAT I HAVE UNTIL XX/XX/2018 TO BRING THE ACCOUNT CURRENT BUT CLOSE THE ACCOUNT ON XX/XX/2018? in your company words " From conversations with customer, there was no indication that any further payments would be made to SAFCO. The decision was made to write off the account as a loss, as the account was no longer secured by the collateral and there was no hope for payment from the customer. '' Did i specifically not ask to be contacted by writing? This is something that your company assumed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax at least three time to let Equifax remove an unknown address starting at XXXX from my credit report. Each time the dispute status shows success, but I am still having the unknown address appeared in the latest credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 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: TX

Complaint narrative:
XXXX is either incapable or at least has not been able to apply a consolidation payment to the loans I've specified. 
- On XX/XX/XXXX, I began the process of consolidating all of my un-subsidized student loans held by XXXX and XXXX XXXX XXXX through XXXX. 
- Payment was disbursed on XX/XX/XXXX. That same day I called to notify both of the current loan holders XXXX and XXXX XXXX XXXX of my plans to consolidate and requested to only apply the payment towards the un-subsidized loans. 
- Payment was posted on the XXXX account on XX/XX/XXXX. I called to inquire why the payment was not applied as directed, as it was evenly distributed to all loan. I re-request again to apply payment only to un-subsidized loans. 
- I requested to speak to supervisor and spoke with XXXX ( agent number XXXX ) who said the payment should be allocated as requested two weeks from the current date. 
- It is XX/XX/2018 and the payment has not been allocated as requested. The payment for the month of XXXX has now been posted. 
- Interest has continued to accumulate on loans that should have been paid off two weeks ago, and is being included for the current payment due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FORD MOTOR CREDIT CO.
State: GA

Complaint narrative:
I had a car financed through Ford Motor Credit back in XXXX, and in XXXX I lost my home through foreclosure and had financial hardship. I later surrendered the XXXX XXXX  and it was charged off and went on my credit report and was charged off and remained until XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Account Control Technology, Inc.
State: OH

Complaint narrative:
I have a company that claims they have my student loans. the company calls all the time and tries to contact me through my family and co workers. they say they got my loan from navient and that they are to collect the debt. They had incorrect personal information about me and I dont feel comfortable talking 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 non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
For my Bank of America XXXX credit card, I scheduled payment on the XX/XX/XXXX due date from my BoA checking. And I deposit the check which has enough amount to cover the bill pay. And BoA bill pay allows me to pay the credit card remaining balance on XX/XX/XXXX. And the guaranteed deliver date is XX/XX/XXXX ( confirmation # XXXX, I kept screenshot ). And the bill pay system never gave me any notice for 3 days!!! Then tell me the bill pay fails. And BoA starts charge me the interest charge which is really really disappointing. And later I notice that BoA system does not allow people bill pay amount larger than the balance in the checking. If I know it fails I can try ways to pay the credit card on time.

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 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I started new employment on XX/XX/XXXX. The first day was great, I met many people and they all were friendly and offered any information I needed to start with the company. The second day there were a few men walking around the hallway to the office building and then started to get angry people who would not look at me in the office. I realized these men were talking to the people in my new office. Within a week the employer had a meeting introducing a collection agency as a preferred vendor. The company had given the collection agency, XXXX XXXX, a list of all the managers clients to call, to sell their collections process. The business card we were given has a phone number : XXXX and a website : XXXX. The account representative was : XXXX XXXX, phone:XXXX, email : XXXX and no address. The new coworkers were now not even looking at me. Very few were even talking to me. On XX/XX/XXXX I received an email from my brother in California who is a XXXX XXXX XXXX XXXX XXXX XXXX ( retired 20 yr veteran XXXX ). He said every five years they do a check on him which includes his family. XXXX XXXX XXXX XXXX XXXX is the agency name. They came and used the office in the building across the hall from my office. They were in and out of the back office door wearing black pants and shirts with long hair, driving big black cars. Prior to the gov agency, It also appeared they had some sort of video in my apartment because there was reaction to everything I did and said. When I started to write this complaint on Tuesday night, several cars left the parking lot of my apartment community. It seems the people in my office are much better, at least will speak to me. It seems quiet now, I think most of them have left. Back in XX/XX/2018, my personal bank account was compromised. Someone had the debit card number and withdrew over {$900.00} from my bank account between XXXX and XXXX, the funny thing was the ATM withdrawals were from my own bank and Wells Fargo bank ATM 's. The account I have in collection is with Wells Fargo which I do not have an account number for as it was changed by them when put in collection. I was receiving phone calls at my previous employment where the ID on the phone showed : XXXX and XXXX. Most of the time is was a silent call, sometimes it was for LIFE insurance. These people did the same thing as far as telling everyone around me something to get everyone to hate.

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 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlantic Credit & Finance, Inc.
State: AR

Complaint narrative:
Out of the blue a month or two ago I started receiving several phone calls per day including calling my place of employment from them. It was non stop calling every day. I called them back and would always end up leaving a message. A couple of time I would be on hold for over 10 mins until I was able to speak with someone. I did speak with XXXX. Soon as I was on the phone with her she immediately said that there was going to be a lawsuit against me for a unpaid debt/sending it to an attorney in my state. Then as we went further into the conversation she asked alot of personal questions as to why I had the debt. It was to the point where I felt very uncomfortable with talking to her. I felt like she wanted my life history and it was just to personal for her to know that information. As I was setting up a payment plan, she wanted my bank account and my debit card information in which I felt was unnessary. They only would take auto payments. But I gave her my bank account information. I also got two letters from them before speaking to them. I do not believe that their business practices/way of collecting debts is professional. It was threatening.

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 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: CO

Complaint narrative:
This is a debt form a bank account that I do not owe money on. I have contacted them about it years ago and its still on my credit report. The derogatory account is keeping my credit score low and keeping me from securing other needed credit lines.

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 2018-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX LAST FOUR : XXXX XX/XX/2018 AD Astra Recovery Servic XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Ks XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 
Name of Account : Provide Physical Proof AD Astra Recovery servic, FOR THE AMOUNT OF : {$620.00}

Company response to consumer: Closed with explanation