vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Hello, I never sign, had a contract with the company XXXX USA, CONVERGENT OUTSOURCING, Inc,  demand me to paid an enormous amount that I do not own. 
Also this Convergent Company, send a new correspondence to my new address harassing me. 

Balance : {$1000.00} No date of this fake service was stated!!

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 2019-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: UT

Complaint narrative:
On XX/XX/XXXX, I sent a Certified Mail letter to U.S. Bank National Association, issuer of my U.S. Bank Secured Visa credit card, requesting that the Visa account be closed. The Visa credit card was enclosed with the letter. At the time of the letter 's mailing, the Visa account had a balance of {$0.00} and the Secured Savings Account ( securing the Visa card ) had a balance of {$1800.00}. 

On XX/XX/XXXX, U.S. Bank sent me a letter stating : 1. " Your account is currently closed. '' 2. U.S. Bank had started a holding period of 32 days on the account to allow " ... time for all transactions to post. '' 3. The account " ... will be reviewed on XX/XX/XXXX ... '' to determine whether or not any of my Secured Savings Account balance of {$1800.00} would be returned to me. 

Finally and as of today, XX/XX/XXXX, the online account page shows the " Available Credit '' to be {$0.00} and the " Current Balance '' to be {$0.00}.

In summary, U.S. Bank : A. Is in possession of the Visa credit card.

B. Has closed the Visa account.

C. Has set the " Availble Credit '' to {$0.00}.

D. Shows the " Current Balance '' to be {$0.00}.

Despite all of the above, U.S. Bank insists on retaining my {$1800.00} Secured Savings Account balance until after the account is " reviewed '' on XX/XX/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 non-monetary relief
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: OK

Complaint narrative:
After submitting bad review over the customer service I received there was an open line of credit added to my account and then one of the employees attacked me under my review online .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a zero interest if paid within one year credit card that was issued by Wells Fargo for an XXXX central air unit. I have automatic payments. I want to change the payment to increase it, but the Wells Fargo website says i can't change it online, but I have to call customer service. I called customer service and they told me they can't change the payment, they can only cancel the current payment and add a new one,  which will take 30 days to become effective. That means it would miss my next due date ( or as its 30 days, any consumers due date ), and I might be late on my payment, triggering all of the interest they forego when I pay my balance in full within one year. 
Very crooked customer service from Wells Fargo, the 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 2019-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
1st. 5 years or so ago, Nationstar Mortgage, now Mr. Cooper. Kept screwing me around because i got behind 2 payment. First they had me pay 3 monthly pmts, then they said i didnt do it right, and made me do it again. Then they said i didnt do it right and told me i needed to refinance in order to save my home. They refinanced me at 40 year mortgage and added {$17000.00} on to my total. 
NOW they are trying to reposes my home saying i am behind 2-3 months, but my payment is made directly from my checking account to my morgage payment. XXXX has the record of 12 monthly payments for 2019. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Credit & Collection Corporation
State: IL

Complaint narrative:
I was offered a settlement with XXXX who uses GLOBAL CREDIT COLLECTION CORP. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My technologically illiterate mother sent me {$400.00} on XX/XX/2019 through PayPal, but incorrectly sent it as " payment for goods and services '' rather than " sending money to friends & family. '' I noticed this and immediately issued a refund. However, PayPal kept their {$12.00} transaction fee and did not refund it according to a new policy that went into effect XXXX of this year, which states that PayPal does not issue refunds for any transaction fees. 

Although PayPal claims to have started notifying account holders of this new policy as early as XX/XX/2019, I never received this notification and their customer support confirmed they did not over the phone on XX/XX/2019. Therefore, I had no way of knowing PayPal had updated their refund policy. 

In summary, PayPal refuses to refund the {$12.00} transaction fee - on a transaction that was made in error and promptly canceled - according to a new policy about which they did not notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i HAVE A WALMART CREDIT CARD WHICH IS NOW BACK UP BY CAPITAL ONE. WALMAT ACQUIRED CAPITAL ONE. IT ; S SAD THAT I CALL CAPITAL ONE FOR VERY BASIC QUESTIONS. WHEN WILL A NEW CARD BE SENT THIS HAD BEEN GOING ON SINCE XX/XX/2019 AND STILL GOING ON. I HAVE FILED A COMPLAINT WITH WALMART. I CAN NOT SHOP IF I DO NOT HAVE A CARD! I CALLED AND SPOKE TO MANY PEOPLE. I SPOKE WITH A SUPERVISOR WHO WAS HORRIBLE. I ASKED ALL THE RIGHT QUESTIONS. I HAVE MY MAIL FORWARDED TO GO OT A P0 BOX SINCE XX/XX/2019. EVEN PRIOR TO CAPITAL ONE ACQUIRING THIS ACCOUNT. HOW HARD IS IT TO GET A CARD AND TO GO THROUGH SUCH POWER ABUSE BY THIS PERSON I SPOKE TO. I NEVER RECEIVED AN EMAIL THAT A CARD WILL BE SENT. SINCE XX/XX/XXXX THE CARD WAS RETURNED. THIS CUSTOMER SERVICE AGENT WOULD NOT MAIL ME A NEW ONE UNITL SHE REPORTED THE CARD AS STOLEN!!!!! THE CARD WAS RETURNED TO CAPITAL ONE. THE ANSWER IS THEY DO NOT FORWARD MAIL WHICH IS STATED ON THE ENVELOPE THAT THE AGENT DID NOT KNOW. I CAN NOT PLACE AN ORDER ON LINE DUE TO MY CARD NO LONGER WORKING! ITS NOT BECAUSE I OWE MONEY OR BAD CREDIT THIS IS THE SHEER INCOMPETENCE OF CAPITAL ONE AND THE SUPERVISOR WHO DID NOT SEND ME A NEW CARD OR HAVE THE KNOWLEDGE OR TRAINING TO ANSWER BASIC QUESTIONS! SHE SHOULD BE FIRED! HORRIBLE, IF SHE COULD NOT ANSWER THE QUESTIONS I ASKED TO GET ME HER SUPERVISOR. SHE WOULD NOT DO THAT AND STATED THERE IS NO ONE ABOVE HER! SURE! TO GO THROUGH ALL OF THIS. I WANT THE CARD MAILED DIRECTLY TO THE PO BOX I PROVIDED AND ALSO THE PO BOX SHOULD NOT BE REPORTED TO THE CREDIT BUREAU. IT IS A TEMPORARY PO BOX AT THE POST OFFICE DUE TO MY BUILDING BEING UNDER CONSTRUCTION AND FORWARDED, I WANT THAT REMOVED OF THE CREDIT BUREAU. XXXX XXXX XXXX. I AM FILINF AN OCC COMPLAINT. THIS IS BASIC ADMINISTRATIVE ISSUES THAT COULD BE RESOLVED. THAT PERSON WAS SUCH AN IDIOT TO REPORT A CARD STOLEN WHEN IT WAS RETURNED DUE TO NOT FORWARDING! I AM SO UPSET THAT I HAVE TO GO TO THESE LENGTHS. I FILED A CFPB AND A OCC COMPLAINT DUE TO THE SUPERVISOR NOT GETTING ME SOMEONE ELSE TO HELP ME! ALL OF THIS TIME AND AGGRAVATION FOR WHAT!!!!!! 

NOTE : I ALSO HAVE A CAPITAL ONE 360 ACCOUNT WHICH I WAS GIVEN WRONG INFORMATION FROM A REP AT STORE ON XXXX XXXX XXXX IN XXXX XXXX, FL. YOU CAN NOT DO A TRANSFER INTO ANOTHER PERON 'S ACCOUNT ( ach ) ONLY MY OWN. YOU HAVE TO USE A THIRD PARTY LIKE XXXX DEPENDING ON THE BANK. I NEVER RECEIVED A DEBIT CARD! ITS BEEN 3 MONTHS!!!!!!!!!!!! STILL NOT DEBIT CARD!!!!!!!!!!!!! A JOKE TO SAY THE LEAST!!!!! THIS IS WHY I DO NOT USE THE BANK ACCOUNT BECAUSE OF THE HORRIBLE PEOPLE THAT DO NOT KNOW THERE RIGHT FROM LEFT AT CAPITAL ONE! IT CLEARLY SPEAKS FOR ITSELF. SUCH NON SENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I had a checking account in XXXX where I grew up. I didn't even remember it existed. I now live in Florida. 16 months ago I started getting monthly statements. Every month they take {$3.00}. When I called to close the account and have the funds sent to me, they won't let me. They said if I come in I can close account and get ending balance. Because I live in Florida I need a notarized letter stating that I want the account closed. That's fine. BUT. in order to actually close out the account and have the funds sent I need to go in and make a deposit of at least XXXX XXXX to  reactivate the account so it can then be closed and the check sent.I asked can I mail a money order? A check? Wire transfer from another bank? No. No. And no. Can I send someone else to make a deposit? NO. 
BUT I LIVE IN FLORIDA NOW. They told me next time I'm visiting to stop in. 

This account in over 20 years old and I have no idea how much money in fees they have taken I want TCF bank to close my account, refund the 12 months of " monthly fees '' and send me a check to my address in Florida ( where they send my monthly statement minus their fees )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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: MA

Complaint narrative:
I have been disputing this account since XXXX of XXXX. Capital One has given credit to the Identity theft charges, but not to the fraud charges. 


I strongly disagree with your outcome. None of these charges are mine and if Cap One had cancelled the card back in XXXX when I requested then none of this would have taken place. I hold Cap One partly responsible. 


In XX/XX/XXXX I was told by XXXX, ID No. XXXX, that there was a record of my calling in XX/XX/XXXX cancelling the card and taking my ex off as an authorized user. She also told me there was definitely fraud on this account. 

Then in XX/XX/XXXX that record of the original call in XXXX could not be found. And Cap One could no longer find any fraud. 

I request all documents proving that I owe this money as my ex was not an authorized user on this account as of XX/XX/XXXX and if he signed for any charges thats fraud. 

Capital One is claiming there was no fraud as they have erased or denied the original call I made in XXXX. They are not presently denying I called again in XX/XX/XXXX as it was proved to be identity theft by my ex. 

I am not responsible for the balance of {$4900.00} as these charges were made by my ex who was not authorized. 

Cap One has not provided proof that I made these charges. 

I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Got a robo call this morning ( XXXX @ XXXX ) " claiming '' to be from Bank of America . As soon as I realized that it was a robo sales call I immediately hung up without listening to the message. I tried to call back ( in coming number : XXXX ) to see if there was a chance that it may be a legitimate call, but it was busy. Evidently a dedicated robo call line.

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 2019-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was offered a settlement with Citibank who uses XXXX XXXX XXXX XXXX. I made all my payments that were required on the account. I called the agent and told them that the checking account was closed and not to send any future automatic payments. 
I mailed a check to them in lieu of automatic payment. They cashed the check. I called them and they said my debt was paid in full. In the first letter I received it states I still owe them XXXX. I can pay this. Prior to this letter I received, I was not aware of this. 

Then all of a sudden, I get sold to some NEW COLLECTION AGENCY which is making me a new offer, which is crazy because I only owe them XXXX. I need help in resolving this issue.

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 2019-12-20 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I requested a refund from a Paypal seller and was told it would be processed within 48 hours. On XX/XX/XXXX since I had not yet been refunded I was forced to open a Paypal Dispute XXXX. 

This dispute was closed to to an improper dispute format and had to be resubmitted again as a missing item case. This process took 2 weeks and resulted in my account being debited a negative balance. 

I've tried following Paypal 's format for disputing a transaction in order to be provided with the refund but it now appears as if my account will be sent to collections without being able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 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: PA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
Firstpoint Collections moved without providing an address to the credit bureaus, I sent a dispute letter directly to them, which was returned to me because it was the wrong address, which I got from my XXXX  report! This is totally wrong! I belive this is a violation of my rights granted under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I was approached at a Chase ATM and forced to deposit a fake check. It was after hours and the doors were not locked at that branch, allowing anyone to walk in even if they did not have a Chase card. The man in question took {$560.00} from my account and fled. 

I called Chase right away and filed a police report. The next day I complete an affidavit of fraud and submitted it to Chase as well. They said they would investigate and they gave me my money back. 

Now, three weeks late they have taken the money back and denied my claim. Basically, they blamed me for what happened and claim they are not liable. I was in their ATM at their bank and I am not being believed for being robbed. I am out of {$560.00} and can not pay my bills. The customer service was horrible and they blamed me for what happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-20 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: TX

Complaint narrative:
I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, IN 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 2019-12-20 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: TX

Complaint narrative:
I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX

Company response to consumer: Closed with non-monetary relief