vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX after requesting a change of address on my Capital One account, I was asked to provide detailed paperwork, which I did not have. This paperwork was more detailed and difficult to gather than the paperwork required to open the account. 

Since I was unable to gather the paperwork together, my account was put into Restricted mode in XX/XX/XXXX. While in Restricted Mode, I was unable to access my account, use my card, or use the more than XXXX rewards miles I had accrued. At that time, I paid off all balances and could not provide the requested paperwork. My balance was XXXX. I never had missed a payment or made a late payment. 

In XX/XX/XXXX, my account was charged with a {$59.00} Capital One Member Fee. I was not warned that this charge would be coming nor was I aware of it. 

In XX/XX/XXXX, my account was charged with a {$25.00} Past Due Fee and an Interest Charge of {$1.00}.

In XX/XX/XXXX, my account was charged with a {$35.00} Past Due Fee and will be charged an interest fee.

In XX/XX/XXXX when I discovered these charges, I called Capital One. They said they could not warn me of the impending Member Fee, since my account was in Restricted Mode. They said they could not contact me, since they didn't have my updated paperwork ( although, my email had never changed ). I tried speaking with them to explain the aforementioned events, but they stated that this was their policy and there was nothing they could do. I then instructed them to close my account. In doing this, I forfeited the XXXX Rewards Miles. They said my balance remains and will be charged interest accordingly. I currently have a balance of {$12000.00} from the Past Due Fees and Member Fee on my restricted account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank 's online access to my checking account had been out of order since Friday last week. They said it would be back on Monsday, but now it's Wednesday. Their solution is that they want me to come into the branch and use their computer instead of my web rowser. 

They also have some of my personal information mixed up with someone else XXXX phone number ) and this happened becaue of their " upgrade ''. 

I'm not confident that TD Bank is securing my personal information effectively. There was supposed to be two-factor authentication, but that never happened. Someone should look into this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX, WellsFargo, XXXX XX/XX/18 : I sold a handbag on XXXX for a total of {$410.00}. 
XX/XX/18 : XXXX received {$410.00} that Icouldnt actually access. I refunded the buyer {$31.00} because she didnt want to pay sales tax and then I refunded the remainder of the money and sell the bag to someone else. I had already paid for and printed the shipping label. I canceled the order on XXXX, refunded the buyer via XXXX ( as instructed ), and voided the shipping label. 

XX/XX/18 : I woke up to realize my Wells Fargo checking account was overdrawn. They were VERY QUICK to take money FROM ME to cover the refund but they STILL HAVENT released the original payment amount to me! Wells Fargo debited my account to cover the transaction ( meaning I dont have any funds to pay any of my bills ) but XXXX still shows everything as Pending! 

XX/XX/18 : Wells Fargo charged me a {$35.00} overdraft fee for the transaction. So the took my money and charged me a fee within a day yet somehow the transaction is STILL NOT COMPLETE. Why am I the last one to receive access to payments TO ME!?

Wells Fargo has also recently started rejecting automatic online bill payments then charging a {$35.00} Return Item fee. I originally turned off overdraft services to avoid the {$35.00} Overdraft Fee but was told I was still being charged multiple overdraft fees because they still authorize transactions like car payments. So by the time I got used to that ( I.e. theyd already gotten a few fees from me ), they started REJECTING those same transactions that would have resulted in additional Overdraft fees AND charged a {$35.00} Return Item Fee! Dishonest and a manipulation of customer expectations!

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove 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 2018-02-14 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: NV

Complaint narrative:
I have attempted several times to rectify my issue with Experian and XXXX   regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with Experian and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

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 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC
State: FL

Complaint narrative:
almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm writing this complaint because I've been trying to get an unauthorized inquiry removed from my Equifax report with no success. I called Equifax XX/XX/XXXX and the representative told me these were 'factual records and could not be removed. My second attempt I sent a letter to the creditor and to the bureau via certified mail that were both received on XX/XX/XXXX. I did receive a letter from XXXX XXXX XXXX dating XX/XX/XXXX showing a background screening report but nothing stating I authorized the inquiry and to contact the bureau. Received a letter from the bureau on XX/XX/XXXX stating inquiries are a factual record.. and to contact the creditor. In both letters I requested each entity to send me documentation of my authorization for this inquiry or REMOVE them and here it is XX/XX/XXXX and I have yet to receive sufficient evidence that I did indeed authorize this inquiry, only the creditor passing the buck to the bureau and the bureau passing the buck to the creditor which I have both contacted. As of date this inquiry hasn't been removed from my credit report which is a violation of the Fair Credit Reporting Act. The unauthorized inquiry is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Drew Eckl & Farnham, LLP
State: GA

Complaint narrative:
I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove 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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
We are hoping for assistance to get us back on track with our mortgage. This year has been very tough, starting with a reduction in hours, and then losing my job. With both XXXX and I unemployed, it became very difficult to support our family of XXXX. It was hard but we did our best to keep paying on time but once we were behind, it snowballed. 

We contacted our bank, Wells Fargo, who gave us a list of documents we needed to provide to prove we qualified for help. We sent everything, but when we called, they said they never received it. So we sent it again, hopeful we were on track. This time they said they had gotten it, but it was too late to meet a deadline we didnt know existed! It was strange that the first application that was sent before the deadline was, of course, lost.

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 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
-There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close their other user 's card to avoid a fraudulent charges there. The bank said that was not necessary. 
-During the week of XXXX, the other ATM card in question wound up also being compromised and a series of {$100.00} withdrawals was taken over several days to a total of ~ {$950.00} in Florida , a state I was not physically in. On XX/XX/XXXX I saw the fraudulent withdrawals upon logging into Chase and notified them of the fraud. 
-Likewise these ATM cards include a chip, so I'm unsure of how that technology protects me if this can happen. I had the physical cards. 
-On XX/XX/XXXX Chase denied the claim because they showed activity of me logging into the account during the withdrawal period and claimed I was aware. I had not logged into the interface and was not aware of the withdrawals. 
-The dispute is that based on the login information Chase shared we were able to identify that it the logins were due to automated budget software logging in and therefore I was not aware of the withdrawals. 
-Chase claims that as a result I am liable while I believe this should fall under Chase 's claim of {$0.00} fraud liability. 
-They have claimed they would re-review the case but have been unwilling to take into the account the specifics of this case. 
-They also refuse to acknowledge that if the customer rep had agreed to take the steps we suggested and replace both cards this wouldn't have happened. 
-I am now left holding the bag for {$1000.00} that was taken from Chase because their fraud systems were insufficient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
The original loan was for {$500.00}. It has since almost doubled due to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: IN

Complaint narrative:
I contacted this company in regards to an account that was reported to my credit. I have never received notification of this debt to my address. I confirmed my address at which I have lived for over 4 years. I have no knowledge of this account and I called this company to request the validation of the debt so that I may file a police report for fraud. I was told they could not provide the validation and that I would need to file a fraud claim without any information. I explained to the representative and a manager that I was never notified of this debt and I am disputing the validity of the debt under the written law. I requested this company to remove the erroneous illegal derogatory error from my credit report until the validation that I owe this bill could be provided and I was told that it would not be done. This is illegal to not notify a consumer of a debt. I understand my rights and all I am asking is this debt be proven to be mine. This company is refusing to prove I owe and stating I have to prove I don't owe. How can I dispute a bill I have no knowledge of? I am going to pursue legal action for my rights being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After waiting for nearly a month to receive the credit card I've been approved for, Citibank has frozen my card with an identity theft flag and has " exhausted '' all their methods of verifying it. I am now stuck as a captive customer, can not use my card and can not discuss the activity on my card because I am assumed to be an identity thief. 

I've tried to amicably resolve this issue with my credit card issuer, but the only alternative to their verification is to send a letter through the mail and have me call them back with the code. I have waited multiple days for this letter to arrive, have asked them to provide a tracking number or to re-send and expedite it but to no avail. Citi has given me the explanation that as a business, they can not do that. 

This situation has caused me enormous grief and can not understand why I am assumed to be a criminal by my card issuer. 

Please help me resolve this issue with my card issuer!

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 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions
State: WI

Complaint narrative:
XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA

Complaint narrative:
Original doctors office has no record of me being in the office ever. Office can not provide proof that I was there. They have another woman with the same birthday, that received the same treatments they say that I received. We believe that there was a mixup somehow.

Company response to consumer: Closed with explanation