vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I currently have four debts showing in my XXXX Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : Commonweath Financial Systems ( CFSI ) - Balance {$210.00} CFSI has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to XXXX and this continues to be in my credit report. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with CFSI and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with XXXX. XXXX XXXX has also advised that they have reported to XXXX of the same. 

Commonweath Financial Systems ( CFSI ) - Balance {$330.00} Same as noted above for the previous two CFSI records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We received a letter saying our XXXX XXXX card account has been inactive and warned us the account would be closed unless the card was used.I called and asked what was the minimum time before an account was inactive and was told 6 months. I used the card in XX/XX/XXXXThis is an outrageous policy because we don't shop often at XXXX and don't want to be threatened with using a credit card if we aren't needing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX AM XXXX XXXX at XXXX, from Cawley & Bergmann told me that an acct I had with XXXX ending in # XXXX in the amount of {$4800.00} was being collected by XXXX. I asked XXXX XXXX for validation of the debt because it was from XXXX or XXXX and I had been a victim of identity theft. He then stated that if the debt is validated then other legal action could be taken against me, by a lawsuit, and then asked me if I would like to settle the debt for {$3100.00} or something close to that. XXXX XXXX tried to scare me into a settlement by telling me XXXX would obtain an attorney and take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX, is saying that it was a collections/charge off, but I pay in full

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 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Skopos Financial, LLC
State: NC

Complaint narrative:
Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My problem is that the Capital One Web site incorrectly shows past due amounts as NOT past due, causing customers to make 30 day late payments instead of just a few days late. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Four times in XX/XX/XXXX and XX/XX/XXXX, I logged into my account planning to make a charge card payment a day or two after the due date. Unlike ANY OTHER company I know, the web site, instead of segregating the past due amount from the following months amount due, combined them, and showed next months due date for the entire amount!! This indicated to me that I did NOT have a payment due ... .and I waited till next month-end to pay! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I finally realized that the XXXX XXXX site was misleading me and have avoided the problem since, but I still have 4 late payments on all my credit reports! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE tried repeatedly to get Capital One to address these issues but they have steadfastly refused to do anything. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( please note that I could provide a screen shot of the XXXX screen but I would have to let my account go a day past due, and incur a big late fee to do so )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: OK

Complaint narrative:
I received a call from ( XXXX ) XXXX at XXXX XXXX on XXXX XXXX, 2018.  They asked to speak with an individual I do not know. Typically, I just hang up the phone, but I have been receiving these calls so frequently that I decided to try to sort out the problem. I asked them to provide me with the caller 's name, organization, and purpose. The caller hung up on me, so I called back and went through a similar conversation with another person, XXXX XXXX. When asked who they represented, they said, " XXXX. '' Eventually, I was able to get them to say that the organization is Direct Recovery Services. I attempted to have a conversation with them regarding how they acquired my phone number and how to get them to stop calling me. This individual also hung up the phone in the middle of our conversation. I do n't know the person they are calling for, and I have repeatedly told them they have the wrong number and to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Constant calling, even on holidays, harassing my husband and I. They call everyday, all day long. Using different numbers and all. Westlake Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I contacted PNC To dispute transactions because someone fraudulently took my card. They processed the dispute and refunded {$200.00} in applicable fees. Then PNC Denied my dispute and debited my account {$400.00} for fees when they only originally refunded {$200.00}. PNC stole {$200.00} from me and when I contacted them to request this be resolved and to redispute my fraudulent transaction they said I had to wait 10 business days for the money stolen from me by the person who stole my debit card AND by the bank that stole my money. UNACCEPTABLE. PNC Stole my money and it will be over a month before I get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.

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 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : 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 2018-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
i got letter from citicard that my card ending in XXXX  had been credited XXXXper agreement with you..i never received this credit..i called citicards and theysay the credit was issued but could not give me a date..i have-not been credited this settlement amountXXXX 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 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am having difficulty with a company that processed a check payment for an outstanding balance, and is giving me the run around trying to state that a payment was n't made. I 've provided proof that the check cleared the account, and want this balance removed immediately as they received every penny. Despite receiving and processing the payment on XXXX XXXX, 2017, I am still receiving harassing phone calls and emails from the company, who continues to transfer between three titles. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My online payment to my HOA - XXXX XXXX HOA that was sent on XX/XX/17 was never received by them and the check was cashed with a stamp stating the 'United States Treasury XXXX has it for the amount of {$330.00}. 

I received a late payment fee from my HOA in XX/XX/XXXX so I called them to find out that they never received my check that they have been getting monthly for years! So I called Chase and they directed me to get the proof of funds which I sent to my XXXX. They are the ones that pointed out that the check shows United States Treasury on it which they do n't use. Also, looking at all my other checks to them, none of them show this stamp. 

So I filed a claim with my bank, JP Morgan Chase and they just came back stating that they were contacted by the Federal Reserve and said they wo n't deal with them and will only deal with the consumer, me and that I needed to call them to figure out what is going on. They gave me the number XXXX XXXX and ask for the Dispute Department for online payments. They gave me a bunch of transaction numbers and reference numbers. 

So I called that number and they stated that does n't make sense and that the only thing I can do is file a complaint against Chase and here I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
The U.S. Bank Mortgage Loan Originator, XXXX XXXX, at the XXXX, NE Branch provided XXXX XXXX and XXXX XXXX with a Purchase Ready Buyer Certificate on XXXX/XXXX/XXXX. The clients changed their last name to XXXX prior to presenting a Purchase Agreement contract offer on a property located at XXXX XXXX XXXX XXXX XXXX, NE XXXX dated XXXX/XXXX/XXXX. We were presented 3 other offers which were similar in terms and provisions. We chose U.S. Bank 's client, the XXXX 's offer, based in part, on their Pre-Approval status with U.S. Bank as stated in the Purchase Contract as well as the Purchase Ready Buyer Certificate. We were notified by XXXX XXXX via a denial letter that U.S. Bank was unable to originate the loan on XXXX/XXXX/XXXX. That is a span of 44 days and happened to be the date they were scheduled to close on the sale of the property. This is completely unacceptable and demonstrates a very poor business practice not to mention gross negligence by U.S. Bank 's employees. Subsequently, this required us to provide another months mortgage payment, insurance and utilities on the property which we had not planned for nor budgeted thinking U.S. Bank 's client, the XXXX 's, were good for the loan as stated by the Purchase Ready Buyer Certificate and Pre-Approval status on the Purchase Contract. It also caused us to put the property back on the market and may cause additional financial hardship in the event we ca n't close prior to the next mortgage payment due date. The reason for the denial as stated in the denial letter was that XXXX was not able to verify his ITIN. This should have been verified prior to Pre-Qualification in the first place. The certificate is a deceptive instrument used to give everyone a false sense of confidence.

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 2018-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XX/XX/XXXX- opened CD for $ XXXX @ 2 % /12 month XX/XX/XXXX- called in to verify external account for funding CD -opened new CD ( minor ) for $ XXXX @ 2 % / 12 months -opened new CD for myself $ XXXX @ 2 % for 12 months -requested to close CD opened on XX/XX/XXXX and use funds for new CD ( minor ) I was told that I could not close the CD past 10 days of opening it with a penalty but I could wait until the funds clear for the new CD and transfer the funds. If I transferred the funds to the new CD the penalty would be waived. I was told all funds would be cleared by XX/XX/XXXX XX/XX/XXXX- logged on to check accounts and all funds had cleared as I was told. There few more than a few errors however. 
1. My sons name on his CD ( minor ) was spelled incorrectly. 
2. The interest rates on 2 of the CDs was lower than offered when I opened them. They were posted at 1.35 % instead of 2 %. I called in ( hold time is ALWAYS mins EVERYTIME ). 
I spoke with XXXX and told her I wanted to close all accounts and have the funds transferred back to the original external account that funded the CDs. I was told that I could not close the accounts until 6 days after they are opened. This would cause me to incur early withdrawal fees.

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 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: IL

Complaint narrative:
This account is listed on my credit report as being opened on XXXX/XXXX/2017, for {$450.00}. i did not authorize any purchases to this company ( XXXX ) and this debt collection agency is not licensed in my state to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I was informed on XXXX XXXX XXXX by my servicer, XXXX, that my Income Based Repayment plan was ending was up for recertification. Due to the astronomical amount of student loan debt I have, my monthly payment was calculated to jump to XXXX. I then submitted my application to re certify and a few days later I received notice that was denied for the Income Based Repayment. I went online to seek what other repayment plans were available and sought to apply for the ( IDR ) Income Driven Repayment. I decided to email to let them know I them that I am experiencing financial hardship and was in the process of filing bankruptcy and awaited their response. Received no response that email. 

On XXXX XXXX, I submitted the IDR application along with my paystubs. On XXXX XXXX, XXXX responded saying they received an incomplete application and needed the pay stubs. I uploaded the paystubs again, and on today XXXX XXXX I was informed I was denied the IDR. I want to make the effort to repay my loans, but their calculated payment of XXXX will be a major hardship to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX and a mortgage was fraudulent taken out in my name when I was XXXX XXXX XXXX. In XXXX my grandmother was battle stage XXXX XXXX XXXX, and signed the deed of our family home which was paid for in XXXX to me in XXXX. My grandmother XXXX to her illness in XXXX. 

In XXXX a second mortgage was taken out on the home by XXXX XXXX XXXX owned by XXXX XXXX. At the time I was XXXX XXXX XXXX. To produce this FHA Mortgage fraudulent pay stubs, XXXX, and identification was submitted to open the mortgage. In XXXX XXXX XXXX was convicted on XXXX counts of massive mortgage fraud. Borrowing others identities and producing documents the same way he had done me. 

In XXXX the Mortgage was purchased by Wells Fargo without investigating the origination. In XXXX the home went into foreclosure. Wells Fargo tried to force me into a modification although the mortgage was fraudulent. After submitting a fraud packet, verification of birth, social security number, state identification, and school records ; Wells Fargo determined the mortgage was valid ; despite the fact the name, Birthday, and documentation are incorrect and are perusing a sale on XXXX XXXX, XXXX. 

I have attached supporting documents as well.

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