vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
COMPLAINT : CLIENT : XXXX XXXX CAPITAL ONE : CREDIT CARD : XXXX LAST 4 OF SOCIAL : XXXX I SPOKE TO CAPITAL ONE ABOUT A MEMBERSHIP FEE OF {$29.00} THAT IS WAIVED FOR OTHER CLIENTS AND NOT ME : I SPOKE ON XX/XX/XXXX TO THESE EMPLOYEES 1. XXXX : EMPLOYEE # XXXX XXXX. XXXX : EMPLOYEE # XXXX 3.XXXX : EMPLOYEE : I EMAILED THE CEO : XXXX XXXX AS THESE EMPLOYEES WOULD NOT GIVE ME HIS NAME, HIS EMAIL XXXX OR THE CEO 'S PHONE NUMBER : WHY WAS THIS HIDDEN AS A PROFESSIONAL REALTOR, MY TIME IS WORTH {$200.00} PER HOUR. WHAT IS THE CEO 'S TIME WORTH : HERE IS WHAT XXXX SAID TO ME 1. XXXX XXXX, WE ARE WAIVING SOME MEMBERSHIP FEES OF {$29.00} BUT NOT YOURS. WHY? 
THIS IS NOT VIOLATING YOUR RIGHTS. 
YOU CAN NOT FILE A COMPLAINT AGAINST US FOR WAIVING ONE CLIENTS FEES AND NOT YOURS.

2. PLEASE ADVISE : HOW MANY CLIENTS OF CAP ONE ARE GETTING THE {$29.00} FEE WAIVED? 
ARE THE 40 MILLION CITIZENS IN CAL BEING ABUSED? 
ARE THE 12 MILLION IN XXXX XXXX COUNTY BEING ABUSED? 

WHAT LAW ALLOWS CAPITAL ONE TO DISCRIMINATE AGAINST ME? 

THIS CONVERSATION WITH CAPITAL ONE HAD MY PERMISSION TO RECORD IT. I WOULD LIKE THE ENTIRE TRANSCRIPT TO BE SENT TO ME. I AM LOOKING AT RUNNING FOR XXXX XXXX COUNTY SUPERVISORS RACE IN XX/XX/XXXX AND WOULD LIKE TO KNOW IF CAPITAL ONE IS ABUSING 12 MILLION IN XXXX XXXX COUNTY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
In the month of XXXX I had made a call to Walmart Customer Service asking for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. I attempted to use my store card in the month of XXXX for a drink purchase. The card was denied use due to a " late payment ''. I again called Walmart Customer Service. I verified with them that I have made a payment of {$38.00} which was the last known amount prior to the missing statements. I again asked for my statements to be mailed to me spanning XX/XX/XXXX to current time. They verified my address and told me they would send the statements. I did not receive them. On XXXX XXXX, I was made aware of an identity theft incident by XXXX XXXX XXXX. On XX/XX/XXXX I had made a 3rd phone call to Walmart Customer Service asking for my statements to be mailed to me spanning XXXX XXXX to XXXX XXXX so I can identify if any fraudulent activity occured on my account. Again they verified my address and said they would send them. To this date I have not received my statements. I have tried to work with Walmart to obtain my statements, verify that no fraudulent activity and make the payments. Walmart has refused to send me my statements and now has sent late payment reports to the credit bureaus XXXX  and XXXX which is damaging my credit standing when applying for loans/credit lines.

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 2017-10-27 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:
A Wells Fargo credit account was opened in my name without my authorization. The company expressed to me that after an internal investigation it was not going to take any responsibility for the fraudulently opened account because it asserts the account was opened through the mail, and its bankers had nothing to do with opening the account. It further asserts if I did n't open the account then it must have been a third-party identity thief. However, I received the card in the mail, shortly after a Wells Fargo banker had contacted me by phone attempting to sell me the product, which I declined. No fraudulent purchases were ever made on the card. Furthermore, the company has refused to explain how it came to the conclusion the account was opened by mail either by myself or a third-party identity thief, and it has refused to provide any documentation that would serve to bolster or prove its claim, including a copy of the application.

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 2017-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.

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 2017-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Bureau of Carbon County
State: TX

Complaint narrative:
These people whoni have no contract with continue to call and They have failed to produce the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
This is a debt with Conn 's - I am not 30 days late- I always pay before it goes over 30 days. I have told them to stop calling me because they ALWAYS get paid. They stopped for awhile, but now they are back to calling over and over again. They call from different variations of the XXXX number and there are times that I have counted over 20 calls per day. I can sit and watch my phone ring- then 20 minutes later- its them again from a little bit different number. This is ridiculous and this should not be acceptable. This is beyond frustrating. This is an abusive and harassing tactic that should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.

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 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: GA

Complaint narrative:
Our mortgage company ( Provident Funding Associates ) withdrew funds ( {$410.00} ) from our escrow account and made an annual HOA premium payment to another customer 's insurance company ( XXXX ). Furthermore, Provident Funding Associates failed to pay our annual HOA premium on time, which resulted in our homeowner 's insurance company ( XXXX XXXX ) issuing a cancellation notice of our policy. When we called to ask that the {$410.00} be returned to our account, Provident Funding Associates told us they could not return the funds until they received a refund from XXXX for the payment that Provident Funding Associates made in error. We also asked them to pay the HOA premium ( {$540.00} ) to our insurance company ( XXXX XXXX ), which they did from additional funds they withdrew from our escrow account. Our escrow account is currently deficient {$410.00} because Provident withdrew funds without our authorization. We are requesting that the {$410.00} that Provident withdrew in error be deposited immediately to make us whole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
I was making a purchase at the American Eagle store # XXXX on Monday, XX/XX/XXXX at XXXX XXXX & was asked if I had a Rewards Card. I thought I did, he looked it up but could n't find one so asked if I wanted to start a new rewards card. I said, not a credit card but rewards card, correct? He said yes. We started going through the process & I was prompted to provide my SSN, I again asked if this would be a credit card. He said no, & that he was prompted to provide this same information when he signed up for his rewards card. So I finished the transaction of {$79.00}, paid with my own credit card & left. Three days later ( XX/XX/XXXX ) I received an alert on my credit bureau that I opened an American Eagle credit card & my credit score dropped 21 points! I went & found the information he gave me on the Rewards card & it shows a credit card number & credit limit. I immediately called the credit card company, explained the situation & was told that the store reps are told to market their credit card as a Rewards card because you get more rewards if you have a credit card. I think this is very deceptive. I told them to close the account as I never intended to open it & asked them to update my credit bureau as such. He said he would close the account but did n't know if my credit bureau would be updated. I think they need to take responsibility & update my credit bureau to indicate that the store opened this account in error. I should n't take the 21 point hit on this. I asked for a number to call to file a complaint & I called that number on XX/XX/XXXX. The complaint I was able to file was only about how the store rep marketed the product to me & he said they would get the information to a district manager. But I want something done about the credit bureau reporting. This seems unfair, deceptive & I have to wonder if it is incentive driven.

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 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
LOANCARE withheld an excessive amount in escrow for property taxes and has not refunded the overage to me despite numerous written and verbal complaints. After the purchase of my home XXXX XXXX, XXXX, an amount for estimated property taxes was withheld that did not include exemptions for XXXX, school tax and state age. I provided LOANCARE with a copy of the approved exemptions XXXX XXXX, XXXX requested a review and update of the amount withheld in escrow. They acknowledged receipt of my " inquiry XXXX but submitted no other response. Verbal follow-ups produced no results. I submitted a copy of the tax bill of {$850.00} to LOANCARE via their complaint portal for timely payment, an escrow review and the amount withheld in escrow updated. XXXX XXXX, XXXX LOANCARE acknowledged receipt of my inquiry. XXXX XXXX, XXXX LOANCARE notified my they disbursed {$3200.00} for property taxes. I called XXXX XXXX, XXXX and spoke to XXXX XXXX XXXX, provided my inquiry number and requested immediate correction. She apologized for the errors, explained the incorrect check was sent but they would submit a correct one, review and update my escrow and refund the {$3200.00}. She accomplished everything but the refund. I have been unable to reach her nor anyone in the customer service department.

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 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )

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 2017-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had an auto loan with Florida XXXX XXXX out of XXXX, FL. While I paid the account late a number of times it was never over 30 days late. The very last payment ... a partial payment ... was credited 33 days late. The account, on the Equifax bureau shows XXXX late payments for the entire history of the loan which was paid off in XXXX, XXXX and has a XXXX  balance. However, the loan itself still reads as an XXXX rather than an XXXX which is adversely affecting my credit by XXXX points. On a 48 month loan that only had the last partial payment over 30 days the entire account should not forever have the status of " Pays XXXX days late ''. 

I contacted the Florida XXXX XXXX and was told by an assistant branch XXXX that the problem would be resolved and they would correct the report to the bureau. They have done nothing whatsoever to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XXXX # XXXX in the name of XXXX XXXX & XXXX XXXX. XXXX XXXX is my EX spouse. Wells Fargo is showing this account past due in accurately on all XXXX credit bureaus. For XXXX XXXX XXXX it shows late XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. For XXXX it shows late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The letter attached shows the car was paid in full XXXX therefore it could not be 30 days past due in XXXX XXXX. However the biggest issue I am facing is the address listed on the account is XXXX 's address. I requested numerous times via phone and mail for Wells Fargo to send me bills, and commuincations at my address since I am listed on the account. The only time I received communications at my address is after the loan was paid in full and I began disputing the late payments with them. Any phone contact received from them to collect payment were made to me only after not being able to reach XXXX for payment and were always 30 days past the payment date. I made numerous attempts to request I be contacted by mail and by phone. Their inaccurate information and in ability to update the account has harmed my credit report. I am attaching a copy of the paid in full letter addressed to me but not sent to my address and never has been my addresses ever. The only reason I got a copy of this report is because I demanded a copy of it from XXXX. I requested the same letter from wells fargo and was told that it was already sent to me.

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 2017-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
My vehicle was repossessed in XXXX XXXX. A settlement offer letter dated XXXX/XXXX/XXXX was mailed to my home earlier this year. This letter offered to settle account with a stated principal balance due of {$7900.00} for 30 % of this amount. The settlement total amounted to {$2300.00}. The letter further stated that there was a 60 day window to accept the offer. Unfortunately at the time I had no knowledge of the settlement offer as I was incarcerated from XXXX XXXX, XXXX until XXXX XXXX, XXXX in the XXXX XXXX XXXX. I contacted Santander and explained this. I also sent them a letter with proof of incarceration to no avail. I would like the opportunity to consider this offer as it was impossible for me to do so initially as I lacked knowledge of the offers existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: MA

Complaint narrative:
On Friday XXXX XXXX XXXX at XXXX AM EST I received a call from XXXX. When I answered the phone call the caller stated my name and address and asked me to confirm them. With identity theft on the rise I was hesitant to provide this without first knowing the identity of the caller. I asked the caller who he was and who he worked for and told him that I would not be able to confirm any information about myself until he told me what company he worked for. He told me that he could not tell me who he was or what company he worked for until I confirmed my identity. I told him that without knowing who he was I could not confirm anything. He then started yelling saying that " He tried, '' and he then hung up. I later googled the phone number and learned it was owned by a collections company, " XXXX XXXX, '' who broke the law illegally trying to collect an unknown debt from me by not identifying themselves to me when I asked what company they were from.

Company response to consumer: Closed with explanation