vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Back on XXXX, 2019, I sent to KOHLS/CAPITAL ONE a request to fix this problem. There is a Kohls/Capital OnXXXX account # XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent charges. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 I went in person to the Wells Fargo Bank at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX to pay off my mortgage in its entirety and close out the loan completely. I said I want the mortgage to be done completely today and the bankers indicated they understood. 
I met with a banker, XXXX, who called the main wells fargo site to get the entire payoff amount for my mortgage # XXXX ( I am client XXXX just a number to these bankers ). 
I owed about {$2200.00} and the payoff amount from the wells fargo main site added {$200.00} " fee '' to completely close the loan ( Check amount was {$2400.00} and change ) and I got a receipt indicating a " XXXX balance and that the mortgage was paid off completely '' ( It took 4 staff to process my final mortgage payment in the bank in about an hour total time- I figure they do not have much experience in closing out mortgages ). I was told " congrats and the mortgage was completed ''. On XX/XX/2019 I received a letter indicating that " the funds received were less than the total balance owed '' and that I was going to receive ANOTHER mortgage Bill ( amount to be dertermined )!!!! This is completely dishonest, unethical and reflective of the recent bad press that Wells Fargo Bank has received. This is simply the wrong way to do business and completely ruined my mortgage pay off day, a once in a lifetime event. I went in in good faith and paid off the loan 7 years early per the bankers guidance and direction. I am going to the media next- I hope this makes national news. These are really low bottom -- dwelling banking practices. They can not do this to hard working people who actually go the extra mile to pay off a home loan the right way after many years of sacrifices.

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 2019-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Received a letter to pay off account in the letter states for me to call and if I need to arrange payments in installments when I called requested full payoff will not work with me to pay off balance. Expecting a call back from supervisor never returned call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I received a notice in XXXX of 2019 that XXXX XXXX XXXX transferred my mortgage to Mr. Cooper effective date XX/XX/2019. Mr. Cooper has not been reporting my mortgage payments since they acquired my loan. I have being making timely payments with them and none of my payments have been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX AND XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have already told conns I will make payment by a certain date. They continue to ask for payment. I have been receiving anywhere from 8-15 calls a day. They also email me several times a day to try to collect on the payment. Today I have received 15 calls already and 3 emails stating I need to make arrangements when a date has already been given. I refuse to make post dated payments because they always try to run payment the day Im setting up the arrangement causing me to overdraft and incur fees from my bank. This has been going on for over a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2019-06-27 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: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
ON XX/XX/XXXX, A STIPULATION FOR PAYMENT AND ORDER OF DISMISSAL WAS ISSUED IN XXXX COUNTY, FLORIDA IN THE AMOUNT OF {$10000.00}. THE STIPULATION IS BETWEEN PORTFOLIO RECOVERY ASSOCIATES, LLC ( PLAINTIFF ), AND XXXX XXXX XXXX ( DEFENDANT ). THE ORDER CALLED FOR MONTHLY PAYMENTS OF {$50.00} AND FURTHER STIPULATES " NO INTEREST SHALL ACCRUE ON THIS STIPULATED AMOUNT '' I HAVE MET EVERY MONTHLY PAYMENT AND AS OF XX/XX/XXXX HAVE PAID A TOTAL OF {$3600.00} LEAVING A BALANCE OF {$6400.00}. 
ON XXXX XXXX, I SPOKE TO XXXX XXXX OF PORTFOLIO RECOVERY AND SHE ADVISED THAT THE BALANCE WAS {$9000.00}. I SENT THEM A LETTER ON XX/XX/XXXX, ASKING FOR AN EXPLANATION AND WHEN DID NOT RECEIVE A REPLY FOLLOWED UP WITH A CERTIFIED LETTER ON XXXX XXXX. ACCORDING TO THE POST OFFICE THE LETTER WAS DELIVERED ON XX/XX/XXXX. I HAVE NOT RECEIVED A REPLY FROM PORTFOLIO RECOVERY AS OF THIS DATE. PLEASE SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: CA

Complaint narrative:
Back on XXXX, 2019, I sent to US Bank a request to fix this problem. There is a US Bank account # :XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent transactions made on my card. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.

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 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is illegally trying to foreclose on my property. Bank of America has been my mortgage lender since XXXX. On XX/XX/XXXX Bank of America transferred my mortgage to a new mortgage lender named XXXX XXXX. I have been making timely payments with them and I am current. 
Just two days ago, I received a notice of foreclosure ignited by the attorney firm of Bank of America.

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 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have been getting a call daily, always around XXXX XXXX., from a company called XXXX according to caller ID. I XXXX it and it is a collection agency called XXXX XXXX. It is usually from ( XXXX ) XXXX, although they have used a couple difference numbers. The first time it rang I answered and a woman said something about a person whose name I did not recognize, although it sounded somewhat similar ( but not the same ) as one of my children. The woman wanted to speak to that person. I told her that I did n't know the person they were trying to contact and hung up. I do not answer the phone for them anymore even though they call daily. They do not leave a voice mail message.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Email Subject : XXXX XXXX, important information about your account Capital One SUBJECT : Account paid in full Creditor : Capital One Re : Account ending in XXXX Customer Name : XXXX XXXX Customer Number : XXXX XXXX XXXX, Thank you for the payment of {$980.00}, that we received on XX/XX/2019. This payment completes the payment on the Capital One account. We will stop collection efforts on the remaining balance. If any additional payments are made on this account beyond the settlement amount, or if we issue an account credit for any reason, then these amounts will be used to reduce the remaining balance. 
We may be required to report to tax authorities the amount of principal that is forgiven, canceled, or settled. We are not required to report every time a principal is forgiven, canceled, or settled, and may not be in this case. 
Please consult a tax advisor and/or the instructions accompanying any tax forms for more information. 
If we are reporting on the account, we'll notify the following credit reporting agencies that the account has been paid in full for less than the full balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit reporting agencies may take up to 60 days to update the information on the credit report. Please contact the agencies directly if there are questions regarding the credit report. 
If you have a question about the account, please call us at XXXX ext. XXXX. 

Thank you, XXXX XXXX XXXX Hours of operation Mon-Fri XXXX EST XXXX   XXXX This is not an attempt to collect debt, but a response to your inquiry. 
SEE IMPORTANT DISCLOSURES BELOW Important Information from Capital One If you are concerned about clicking links in this e-mail, please callXXXX. 
Help Prevent Fraud htlp : l/www.capitalone.comXXXX XXXX XXXX XXXX //www.capitalone.comXXXX : ] Q This e-mail was sent to XXXX XXXX and contains Information directly related to your account With US. other services to which you have subscribed, and/or any application you may have submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'M THE VICTIM OF IDENTITY THEFT. i CONTACTED THE FTC AND FILED A COMPLAINT. I SUBMITTED ALL THE PROPER DOCUMENTS TO THE CREDIT REPORTING AGENCIES, YET THEY REFUSED TO REMOVE THE INACCURATE INFORMATION FROM MY FILES

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 2019-06-27 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : SYNCB/CARE CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : MEDICAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX XXXX  AND XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : ARS ACCOUNT RESOLUTION, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX, XXXX  AND XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is ripping off customers by charging overdraft fee on top of overdraft fee. I was credited a overdraft fee on XX/XX/XXXX and signed up for overdraft from savings to checking. However yesterday after speaking to a representative my account was at a positive but Citibank charge me another {$34.00} again for the overdraft charge that i was credit for. So basically they charged me {$34.00} on top of the {$34.00} that they caused the account to overdrawn.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I am obtaining legal help in this matter. After receiving Wells Fargo 's response to my complaint, I have no choice. The original case # is XXXX. 
Wells Fargo states that being as all of my balances have the same APR, any payment I make in excess of the minimum amount will be split among the balances. This IS NOT in the Agreement and Disclosure that they sent me, and it was NEVER in any disclosure or information on the paperwork when I used their " Supercheck '' offers. It was only in the current letter that they sent me. It was not disclosed initially until now. 
I have been paying extra each month to pay off the balance that is due the earliest. Their practice makes this impossible and is only in favor of their institution. It is not in the favor of the consumer, quite the opposite. Also, as I said it was not disclosed initially. Please see page 11, 2nd paragraph. which states : " Generally, we will apply your Minimum payment first to lower APR balances before balances with higher APR 's. Payments made in excess of the Minimum Payment will be applied to balances with higher APR 's first before balances with lower ones '' I'm sure there are many other people who find this peculiar and downright illegal. I hope to bring it to the light.

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 2019-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A couple days ago I received a hard inquiry on my credit report, one that I didn't authorize from capital one one XX/XX/2019. I didn't have the time until now to be able to send this, I believe the company just applied for a credit card and decided to send me one. For months I have been receiving advertising and papers from their company and all I have thrown away. Now I have a credit card from them, that I did not activate and I have a hard inquiry that I never authorized on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
They keep mailing me now for months and months saying I owe a debt which I do not. They call my cell phone AT LEAST 6 times per day. I have reached out to them via email and told them FOUR TIMES this debt does not belong to me but they continue to harass me. Today, they called my work, I told them to stop calling me, got a manager on the phone who proceeded to argue with me AFTER I told him to stop calling. I emailed them again immediately after the call and told them that I will be retaining a lawyer for abuse, fraud and harassment. The company is Caine & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

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