vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
A private audit of the Capital One transaction history and ledger reveals new discrepancies. 

To Capital One Ethics Committee and Review Board : On XX/XX/XXXX I received a disturbing response from Capital One regarding account # XXXX FACTS : - XX/XX/XXXX I contacted Capital One for an extension due to temporary financial hardship and new employment. 
-In XX/XX/XXXX I was only behind one payment of {$380.00} -I asked to extend one months payment of {$400.00} -Instead of an extension Capital One added the delinquent amount to the extension request amount and demanded I pay {$790.00} to get the extension granted. 
-The {$380.00} would have brought the account current nullifying the need for an extension. The extra {$400.00} would have paid the XX/XX/XXXX bill a month a head of time. 
-Capital One arbitrarily required me to pay 2 payments, when I was only behind one payment, in order to get an extension. 
-If my extension was granted in the month requested I would not have been 30 days late and my account would be current. 
-The accounting ledger of Capital One supports my dispute. 

Capital Ones failure to make the correction based on the accounting ledger and transaction history has caused years of undue damage to my credit report. 

I ask that Capital One explain why I was required to bring the account current and pay the XX/XX/XXXX bill in advance in order to get an extension on XX/XX/XXXX. 

I ask that the names and titles of all persons involved in the investigation of this matter be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
ON XX/XX/XXXX I HAVE RECEIVED AN " URGENT ACCOUNT NOTICE '' FROM CITIBANK, TELLING ME TO GET IN CONTACT WITH CITIBANK IMMEDIATELY, OR MY ACCOUNT WILL BE BLOCKED, IF I DON'T RESPOND IN TIMELY MANNER. 
I WAS SHOCKED WITH THEIR APPROACH REGARDING MY ACCOUNT. I HAVE NEVER RECEIVED AN " OVERNIGHT '' LETTER FROM A BANK, WITH SUCH AN URGENCY. I'M A AMERICAN CITIZEN, CAME TO THE UNITED STATES IN XX/XX/XXXX, NEVER EVER HAD ANYTHING LIKE THIS HAPPEN TO ME. 
I DID EVERYTHING THEY ASK ME TO DO, WENT TO THE LOCAL BRANCH, SPOKE WITH THE MANAGER, SHE CALLED THESE PEOPLE, THEY CALL THEMSELVES, " XXXX '', ( XXXX XXXX XXXX  ), CAME BACK TO ME AND SAID : " EVERYTHING WAS O.K. '' TO DISREGARD THE FIRST LETTER FROM THE BANK, WHICH I DID. 
IT HAPPEN AGAIN, GOT ANOTHER " OVERNIGHT '' LETTER, THREATENING ME, THAT MY ACCOUNT WILL BE " BLOCKED '', IF I DON'T GIVE THEM NEEDED INFORMATION. I WENT BACK TO THE BANK, A COUPLE OF TIMES, TRYING TO STRAIGHTEN UP THIS PROBLEM, SPOKE WITH 2 MORE PEOPLE, TOLD THEM TO TAKE COPIES OF MY " TRUST '', MAKE SURE MY ACCOUNT STAYS OPEN, SINCE I'LL BE GOING ON VACATION OVERSEAS, IN FEW DAYS. 
I DID EVERYTHING POSSIBLE TO MAKE SURE TO KEEP MY ACCOUNT OPEN, SINCE ALL OF MY BILLS ARE PAID ON LINE. 
WELL, AFTER ALL OF MY EFFORTS TO KEEP THIS BANK ACCOUNT OPEN, CITIBANK BLOCK IT.

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 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AR

Complaint narrative:
I received a letter from a WESTLAKE FINANCIAL SERVI stating that I had an account with them and owe them {$12000.00}. I have no knowledge of this account. I mailed a letter to WESTLAKE FINANCIAL SERVI on XX/XX/2018 asking them to VALIDATE not VEFIRY this account they claim I had with them or remove it from my credit report immediately if they can not provide me with suffice documentation. I have yet to receive any VALIDATION of said debt. Please have this account removed from my credit report as soon as possible as it has resulted in defamation and misrepresentation of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Spoke to Citibank many times and no one can help. 

They owe me {$400.00} checking account bonus.

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 2018-10-15 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: NY

Complaint narrative:
XX/XX/2018 XXXX XXXX Interim Director Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Mr. XXXX : I am requesting your assistance with the attached charges on my Capital One credit card account. I have contacted Capital One on multiple occasions since XXXX regarding the XXXX charges on my account. After multiple phone calls and letters to Capital One, I was directed to contact Fraud Investigator XXXX. Despite my calls being transferred to the Fraud Investigator on multiple occasions, I have not yet received any responses from the Capital One Fraud Investigator. 

My sister-in-law XXXX XXXX has XXXX and I purchase wigs on a regular basis to help her with feeling more beautiful as her hair regrows after XXXX. I recently learned that the XXXX charges on my account were from vendors XXXX XXXX and XXXX. 

On XX/XX/2018, I purchased an item from vendor XXXX XXXX and received the attached email even after I paid for the item. I contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, after not receiving the item purchased from XXXX XXXX, I again purchased the item from vendor XXXX  and again received the attached email after I paid for the item. I again contacted Capital One regarding the fact that I was sent the attached email and did not receive the item purchased. 

On XX/XX/2018, I purchased an XXXX from XXXX that stopped working properly. Capital One continues to charge me the funds for this phone even after the phone was returned to XXXX and another XXXX was purchased on my Capital Once credit card and my phone number was transferred from the non-working XXXX to my current XXXX. 

It has almost been one year since I have first contacted Capital One regarding these purchases and Capital One has refused to reimburse me for items I have either not received or returned to the vendor. 

Sincerely, XXXX XXXX Cc : XXXX XXXX, CEO, Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Our XXXX MasterCard which is backed by Barclays was hacked after one {$37.00} purchase to XXXX was approved on XX/XX/18. After this approximately, {$40000.00} in fraudulent charges ( from XXXX and a few other foreign countries ) were approved from XX/XX/18 through XX/XX/18 by Barclays ( a total of 471 charges ) in about a two week period. We did not notice the charges until we received our bill in XX/XX/2018. We began disputing these charges on XX/XX/XXXX with six different customer service agents who gave us six different answers. Supposedly we were issued another credit card, which was not received. Barclays continued to increase our credit limit in order to approve the disputed charges, from {$26000.00} to {$50000.00}. We continuously disputed these charges ( correspondence attached ) and after review by a staff member in the Office of the President, we were told that they did not consider these charges fraudulent since the XXXX charge in Oklahoma was approved, it meant that any XXXX charges were approved. The office said that it was up to Barclays to continually increase our credit limit even if it surpassed the amount we could afford. XXXX was contacted and told us the card should not have been connected to the account that the charges were against because it was not the owners, however the account has been hacked and is no longer able to be controlled by the owner. XXXX said that Barclays had to reject the charges, which they refuse to do. We are retired and can not afford over $ 1,000/month to pay this balance off and which we will not pay since it was due to criminal activity that Barclays refuses to credit back to our account. Our credit history proves that we did not have a history of making such purchases. We did receive letters from Barclays in XX/XX/2018 admitting that the account seemed to be inaccurate, but Barclays refuses to admit it was their error and the charges should be credited back to our account. Barclays is not customer friendly and will not admit that they mistakenly approved these charges above our credit limit. Similar charges to another credit card were investigated by the bank from which that credit card was issued and were credited back to our account, proving that these types of charges were fraudulent.

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 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I opened a Platinum checking account with Citizens Bank online by clicking the " Open Account '' button on a page that promised a {$400.00} bonus after a direct deposit of {$1000.00} or more within sixty days of account opening. I opened the account on XX/XX/2018, and a direct deposit of {$1000.00} posted on XX/XX/XXXX. The terms and conditions stated that the bonus would be paid within 90 days of the direct deposit. I called 90 days after the deposit and spoke to a customer service representative and forwarded her the screenshot of the bonus terms and conditions as requested. Her manager XXXX called me back a week later and stated that the bank would not be able to honor the {$400.00} bonus because a promo code was not attached to my Platinum checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank is showing a late payment on my report. Late payment occurred due to their payment site being down and I was out of the country for 2 months. Upon returning I was told they remove that late payment from my account since it was due to a technical error on their part, however, they are now refusing to update my credit report and remove the late payment. 

They are also showing a balance of {$56.00} which is incorrect as there is a {$0.00} balance on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Not familiar with information, it is an error and should not associated with my name

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 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Upon receiving my credit reports from XXXX XXXX XXXX XXXX on XX/XX/2018, I noticed a negative/derogatory line item from XXXX XXXX XXXX, XXXX in the amount of {$6300.00}. I have sent two certified letters to XXXX XXXX requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. XXXX responded by saying that they verified the account. However, they have not shown proof of my signature. XXXX went on to say ( in their most recent letter ) dated XX/XX/2018, " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?

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 2018-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mobiloans, LLC
State: TN

Complaint narrative:
Hello, I have a defaulted payday loan with Mobiloans. It was eventually taken over by XXXX XXXX aka XXXX XXXX. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. 

Thank you,

Company response to consumer: Untimely response
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 capital   one. On XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Was not notified of investigation status or results
Company: BTH Management
State: AZ

Complaint narrative:
On XX/XX/18 I sent a notarized written request through certified mail for an unverified account that was showing on my credit report with XXXX XXXX through XXXX XXXX. In this request I asked that they either send me ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA -or- to promptly delete all information which can not be verified> I was sent a response dated XX/XX/18 saying VERIFIED AS ACCURATE. ON XX/XX/18 I sent another request and this time asking who verified it? On XX/XX/18 I received the same response ( VERIFIED AS ACCURATE ) ON XX/XX/18 I sent a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 provided that they are unable to verify the account or promptly remove it to XXXX XXXX and yet again received a VERIFIED AS ACCURATE letter again on XX/XX/18. On XX/XX/18 I sent a certified letter directly to XXXX XXXX asking that they validate money I allegedly owed, how said debt was calculated, copies of any paperwork that showed I agreed to pay debt, provide a verification or copy of judgement if applicable, Identify original creditor, prove statute of limitations has not expired, etc ... I never received anything back from them. On XX/XX/18 I sent out another letter to XXXX XXXX stating that I had given them 30 days to resolve this matter and would extend for another 15 days otherwise I was filing suit against them for monetary damages. I sent a letter to XXXX  XXXX stating that because this was a clear case of unverified debt that I would also file suit and report this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
XX/XX/XXXX18 title loan taken out. person had XXXX XXXX and was under the influence of XXXX XXXX XXXX with no memory of this day! {$500.00} loan at 416 % with repayment of {$2600.00}!! How is this legal?? 
we went into XXXX XXXX to renegotiate terms and they didn't care! Said person was fine when they came in! well doctor and warnings on med bottle say otherwise!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
On XXXX of XX/XX/2018, I tried to transfer XXXX USD to my brother. 
They did not transfer the money and they closed my account. 
Since then, I try to get my money refunded. 
They have not refunded my money back. 
There is no way to contact them, they do not give any information. 
This company is a fraud. 
I read a lot of reviews about them and they close people 's account and hold their money as long as they can and they use the money to make profit. 

There are a lot of people like me. 
You should stop this company to hurt the others like us. 

XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On Friday XX/XX/XXXX Hurricane Harvey made landfall at XXXX, Texas. Our home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX was severely damaged. On XX/XX/XXXX, XXXX issued a second check for the repairs. All funds from that insurance company are held in an escrow account at Shellpoint Mortgage Servicing to be disbursed by their XXXX XXXX department. That money, from our point of view, is reserved for our contractor, XXXX XXXX XXXX XXXX to pay subcontractors etc. for the work being done. On the contractor requested a disbursement from Shellpoint of {$50000.00} in part to pay drywall installers ( approximately {$20000.00} ) as well as for the demolition and rebuild of our family room, totally destroyed by the hurricane. Shellpoint refused saying only {$11000.00} would be disbursed ... at first. Two weeks later, no funds were forthcoming. XXXX called and was told by XXXX XXXX they are not the contractor of record ... a total fabrication as they sent all required documentation a month earlier. We've been out of our home for over a year. Shellpoint 's unprofessional behavior will keep us out until early XXXX unless they are forced to release those funds immediately. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have filed a total of three disputes with Experian and XXXX for the removal of XXXX XXXX information ( totaling {$300.00} ) on my credit reports. Disputes were filed in XX/XX/XXXX ( online ), XX/XX/XXXX ( online ) and XX/XX/XXXX ( certified mail ). 

The collection account was tied to a workers compensation claim due to a work-related injury. There were numerous delays in the claim settlement and I was never responsible for payment of this account. The claim was paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( documentation provided ). 

I originally disputed this account in XX/XX/XXXX as noted on the current ( Experian ) report. However, the account was not removed from my file as originally requested. In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX ( XXXX ) to request the necessary documentation to remove the account from my file. XXXX sent the requested documents to Experian and XXXX  on XX/XX/XXXX. I then filed a second online dispute with both companies in XX/XX/XXXX. 

After nearly 120-days the account remains posted to both reports. Whats more alarming is that Experian has now listed that case twice, with a second ( new ) date of XX/XX/XXXX ( pg. 8 ). The legend indicates this is an open collection ( C ) with a report date of XX/XX/XXXX. This is inaccurate information and a duplicate reporting of the original account. This account needs to be removed from my files at both Experian and XXXX credit reporting agencies. 

Enclosed are copies of the documentation from the XXXX XXXX XXXX XXXX  and the original creditor, XXXX XXXX XXXX XXXX, indicating this account was settled and paid in full by XXXX XXXX XXXX XXXX XXXX XXXX and the Division of Federal Employees Compensation ( workers compensation ). I have also enclosed copies of both credit reports, in the exact format they were recently sent to both Credit Bureaus for the third dispute by certified mail. 

These inaccuracies are significantly impeding my mortgage application and lending rates, impacting my ability to purchase our first home. If Experian and XXXX  are unable to resolve this issue in a timely manner, I plan to seek legal counsel.

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