vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XXXX I received a solicitation call from Wells Fargo wanting me to obtain a credit card account. I told the solicitor I would not agree to any terms over the phone, but if they sent me the terms in writing I would review them, and decide if I wanted to open a credit account with them. A few days after the phone call solicitation I received a Wells Fargo credit card in the mail. Due to my naivety at the time I activated the card and began to use it. Later I learned that the account was most likely fraudulently opened, but because I had a sizable balance I was paying off and did not want to go through the hassle of closing the account or deal with possible XXXX XXXX implications I kept the account. 

Finally, on XXXX XXXX, XXXX, due to the unfavorable terms of the credit agreement I decided to go through the process of closing the account. I went to Wells Fargo in XXXX, NJ, and told a personal banker about the unauthorized opening of the credit account. The banker had me talk on the phone to XXXX separate individuals. XXXX individual offered to allow me XXXX months without interest to pay off the balance, but those terms did not seem reasonable because Wells Fargo has already made a lot of money off interest fees from my account and I do n't think they should be making any more. Finally I talked to XXXX XXXX XXXX XXXX XXXX XXXX who told me the credit account was applied for through the mail. I have never applied for a credit card through the mail. She told me she would investigate, but I have n't heard back from her, and Wells Fargo keeps on charging me interest on my credit account payments.

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 2017-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
After moving out of a property, there was some minor debt left do to utility bills which had not yet come in. A week after I moved out I check with my former Landlord and found that the total remaining balance was XXXX which I paid using my credit card through their website ( XXXX2017 ). A week after that I received a letter from IQ Data claiming that I owed XXXX and in needed to be paid within a week or I would be placed in collection. I contacted my previously landlord and told them that I received this letter and asked them what was going on. They indicated it was a mistake and that my balanced had indeed paid in full. I was told that they would take care of it. About 2 weeks later, I received a phone call from 1 IQ Data saying that I owned XXXX and I better pay it or else there would be consequences to myself and my wife on our credit report. I told them I didnt own the money and they should check back with their client, but I was told that Lots of people tell us they dont own the money and that I better pay up. After a long conversation where they on multiple occasions refused to check back with their client and said it I didnt own the money it was my responsibility to prove it. I was eventually told that if I dont send them a letter with proof that I paid the debt, then they would report it on my credit report and that of my wife. During this call they also insulted me, insulted my intelligence, claimed I was a liar and disavowed any responsibility for validating the debt. 
I contacted the original landlord who confirmed there was no debt and told me they would take care of it. The land lord also sent me a copy of my ledger showing that I had a 0 balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: NJ

Complaint narrative:
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to XXXX XXXX requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to Transunion requesting the same information and nothing has been done by either XXXX XXXX XXXX or Transunion.

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 2017-08-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I assisted a client in obtaining a reverse mortgage XXXX years ago. XXXX was new at that time and my client was a few days late on a property tax payment due to life saving XXXX she was having so the lender at that time required her to have the XXXX account. She continued to pay her property taxes on time whereas the lender/servicer XXXX was late on her payments and just included the penalty from her funds. They also held {$60000.00} of her credit line funds in an account for future tax payments. We are attempting to refinance into a new reverse mortgage without the XXXX and XXXX is not going to refund the {$60000.00} of her funds back to her. They will not change the hecm to hecm worksheet therefore, the new lender will not make her a new loan. 

They ca n't just keep XXXX funds for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was an authorized user on XXXX credit cards with Capital One, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: One Technologies, LP
State: TX

Complaint narrative:
XX/XX/XXXX - Signed up to receive my credit information from XXXX with the offering of a {$1.00} credit score. Absolutely NO other obvious information informing me of additional charges or membership fees. 

XX/XX/XXXX - I realized that I had two charges on my credit card for the past two months for a {$39.00} monthly XXXX membership. I called the company to cancel my membership and receive a refund for the {$79.00} charged to me. The customer service representative on the phone assured me that my membership would be cancelled and that she would submit my request for a refund. She then proceeded to offer me a number of different options for continuing my membership with XXXX including discounted membership fees, additional services, etc. I refused all of the offerings and insisted that I only wanted to cancel my membership and receive my refund. The CS representative then told me that I could keep my account active for the remainder of the month at no charge but DID NOT inform me that I would have to call back at the end of the billing period to confirm the cancellation of my membership. She made it seem as though everything would be taken care of, I would not be charged further, and that as a concession I would be able to access their site for the remainder of the month. However, this was their way of keeping me on the hook and using deceptive means to keep me paying. 

XX/XX/XXXX - I receive an email from XXXX saying that my refund was not approved because it was outside the billing period. Even though the CS rep told me that I could have it refunded. 

XX/XX/XXXX - I check my credit card statement and realize that I have been charged every month of XX/XX/XXXX for the {$39.00} monthly XXXX membership even though I called and cancelled my account. 

- I then submit multiple requests demanding that I be refunded for all previous months that I was deceptively charged for services I did not agree to pay for and DID NOT USE. 

- I received a refund for 2 of the 7 months that I was incorrectly charged, but I received a denial of refund for the remainder of the months claiming that it was " outside the billing period ''. 


Total Amount Illegitimately Charged = {$270.00} Total Amount Refunded To Date = {$79.00} Total Outstanding Refund Due = {$190.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
As of XXXX XXXX I received a statement from XXXX XXXX Mortgage to pay for VA XXXX XXXX charges and fees of {$7500.00} as I have been waiting for VA XXXX underwriters approvals for my VA XXXX XXXX since XXXX XXXX till Present. 
I can not pay {$7500.00} for VA Mortgage or VA XXXX modification Fees and property Inspections charges and fees. 
Why is XXXX XXXX Mortgage investors Underwriters stalling to approve and make my VA Mortgage affordable under {$7000.00} - {$1800.00} a month.? 
It appears that XXXX XXXX Mortgage is continuing to Retaliate and Discriminate me as a Cuban-American XXXX Military Veteran.and Plus my XXXX Lifetime status. 
I am waiting for the new VA affordable Mortgage payment so I can start making my timely payments starting XXXX XXXX. 
Also in due of respect to First XXXX Mortgage I have told lender administration in writing and verbally phone conversations that I do n't have no Attorney representing me of XXXX, Texas Attorney XXXX XXXX. He is no longer my attorney. 
XXXX XXXX was my representing attorney for Bankruptcy XXXX XXXX on XXXX XXXX. 
Lender keeps Retaliating me with adding attorney XXXX XXXX on their letters and statements. 
Why lender keeps doing this to me because I keep filing complaints and I am XXXX or by showing Consumer Financial Protection that Attorney still active?. 
This is false and fraud on XXXX statements to Federal Government. 
Federal Government can confirm with XXXX, Texas Attorney XXXX XXXX is not my representing Attorneys. Here is the contact phone number XXXX for their legal firm in XXXX, Texas. Their address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX VA XXXX modification approval has been halted over 60 days and now is another 30 days for VA XXXX approval and Lender wants me to pay {$7500.00} in which I do n't have and can not afford to pay. 
It appears that VA XXXX wants to " Foreclose my home on XXXX XXXX so lender does n't have to worry about the wrongful and unlawful acts of Frauds and escrow and VA XXXX. 
I am XXXX Lifetime and Retired and Divorced and I live alone in my home and limited XXXX Lifetime Income Pension Retirement. 
I am not eligible for Social Security Benefits. I am XXXX XXXX XXXX and I was denied Social Security Benefits. 
VA XXXX can come and inspect my home with Federal Government. 
This is a Very Urgent Matters ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Attn : XXXX XXXX Citi Bank Executive Response Unit, I have received your response to my inquiry. However, I am not requesting for " credit of the remaining portion of the disputed charge '' as you stated. I am requesting credit for late fees and interest charges as promised by your supervisors while I was striving to get my money back from the merchant, XXXX. I reported that XXXX was delaying in getting back to me due to time difference and business location and also customer service inadequacies. The merchant is located in California and XXXX and all correspondence came from XXXX. The supervisors I spoke with during that time told me that once this is sorted out, every interest charges and late fees will be refunded back to me. 

I paid every bill until XXXX 2016 when I stopped paying because every bill that I was paying was an interest charge due to my current balance then. If you look at my record you would verify this. I stopped using my card but I was still getting interest charges and late fees as a result of the current balance on my account. 98 % of this money has been returned by the merchant and I still payed all these extra fees and you want me to pay more? 

I request that you kindly remove all extra charges that was accumulated as a result of this incident and let me know the balance that is due me, if there is any, so I can make a payment. I do not agree that I owe what you billed me on my current balance. 

Thank you, XXXX 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 2017-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 2017-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

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 2017-08-28 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: NJ

Complaint narrative:
I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: WA

Complaint narrative:
XX/XX/XXXX Payment was late, and was reported to credit agencies. 
- I wrote to TSF about this. Unfortunately, I was out of the Country. The auto payment was canceled because of a fraud warning from my bank. When I returned I made all payments necessary. This was the only time I was late and when I spoke with customer service they said the notice of being late was returned via mail. As this was the first time their policy stated that If I wrote in to this group the late notice would be dropped. It was not. 
XX/XX/XXXX Collection/charge off - This is possible the MOST frustrating event of all. Another driver struck my vehicle and totaled it. The insurance company paid for nearly all of the remaining balance. The unpaid off amount was suppose to be paid by the GAP insurance I had purchased, however they were dragging their feet. I had placed several calls to TFS letting them know where we were in the process and CONTINUED making my monthly payments so that I would not receive a late charge. During one of the calls I made to TSF I was told that payments would not help the total needed to be paid. I asked for two weeks to either get GAP to make a payment or I would. Despite TFS saying that I would be fine to wait two weeks they reported this to the credit agency. I made a full payment om XX/XX/XXXX in the amount of {$2300.00} with a confirmation number of XXXX. Gap insurance has also made a payment since then. I have not been reimbursed for anything and at last check TFS says I still owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was sent an account number from what I thought was a friend to deposit my insurance check into his account. I went to Wells Fargo to do the deposit, but when I arrived the teller informed me that I could not deposit my {$12000.00} 3rd party insurance check into his account ( I am not listed on this account ) without him being present. After the teller spoke to the Manager, she got approval and did the deposit anyway. 

Turns out, the person requesting the money is a scammer. I have been in touch with the bank since Thursday, XX/XX/XXXX, where they immediately froze his account due to suspicious activity. The manager is saying there is not much he can do about getting my money back and the more time passes, the more likely it is that the funds are mailed to the guy listed on the account. I have called several other Wells Fargo branches and each Manager states the deposit that the branch allowed is not in compliance with their guidelines, policies or procedures for that amount of money because the owner of the account was not present at the time of the deposit. After speaking with the manager, he agrees a mistake was made and the deposit should n't have been allowed. I have contacted the police, but they can not help. 

They funds in the account have a hold on them and the account has been frozen. I just want wells Fargo to reverse the deposit and void the check or mail it back to my insurance company or myself. The transaction should not have been allowed.

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