vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
XXXX XXXX sent not only one card ending in XXXX, but a SECOND card ending in XXXX I DIDN'T request, thereby mishandling my consumer data. On XX/XX/19 company requested closure of both cards, but demonstrated on past occasions an inability to do so. This is a deliberate attempt to deny access to future cash loaded, charge inactivity fees to XXXX balance as I will NEVER load either card. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This email is regarding my XXXX XXXX XXXX  XXXX XXXX card. I have been using this card for several years and I am very punctual in my payments always. But this year they have been so rude and greedy to earn money through charging late fee and finance charges for ridiculously no reason. First of all, I always pay my full account balance on time or when they send me a postal letter or email reminder for a due date, but I always tried to pay before that and never get any charges, late payments ever. But this year, I shopped and when I logged on on my own without any notification of the due date, I don't see any late charges or finance charge, so I paid in full which is {$10.00} and some cents. Then again after a week or 2, I shopped for some cents and within a few days they send me late due date charge through email which surprised me, then I logged in to pay, and here 's how they are making money this year, I saw a few late charges and finance charges on my account which made me so mad. I called their customer service and the lady said she can only waive one late payment. This is so ridiculous, till last year, they always send paper reminders and emails as well. I understand for going paperless, but how about email reminder? and all of a sudden they charge more than 2-3 late charges. What the heck? I want my account clear of every single penny, since I paid, they charge me for that payment twice, coz of one day late payment, which I never get any reminder and for XXXX XXXX  sake, its only one day late. Then they kept on charging late payment on a late payment due, what's wrong with these guys? and on top of that, they are charging finance charges also. A big WOW. I can not take this anymore, Waive all my charged and I will make sure never ever shop with this card, or shop at XXXX XXXX anymore. This is insane, and cheap tactics to make more money. I am writing this to the XXXX   XXXX XXXX as well. I send this kind of email to comenity bank customer service as well a couple of weeks ago about this issue and guess what, they don't even bother to reply even one word back to me. I want all my charges cleared up, and I will be closing my card and stop shopping with XXXX XXXX from now on. I am a straight walking person, I cleared all my accounts in a timely manner, this is ridiculously pathetic money earning tactic for charging money and overcharging.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.

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 2019-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I XXXX XXXX DIDN'T RENEW MY LEASE WITH XXXX  XXXX APARTMENT AND SINCE I DIDN'T INFORMED THEM WITHIN 30 DAYS THEY SAID THAT I OWED THEM BUT I PAID THE PREVIOUS MONTHS AND NEVER WAS LATE SO HOW DID THEY ADD A WHOLE NEW MONTH TOWARDS ME, NOW THEY HAVE SOLD IT TO PRO'COLLECT COLLECTIONS AND ITS MISSING UP MY CREDIT AND ITS KEEPING ME FROM PURCHASING ANYTHING BECAUSE THIS IS ON MY CREDIT REPORT SO PLEASE HELP ME IF YOU ALL CAN TO GET RESOLVED THIS PROBLEM FOR ME THANKS, 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 2019-04-20 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: AZ

Complaint narrative:
This is in regards to a Capital One Quicksilver credit card account which is and laways has been in good standing. On XX/XX/XXXX, I initiated a bill payment from my bank account to pay the balance of my credit card account. Unfortunately, I requested the payment be sent to the wrong credit card account. It went to my Ca [ ital One credit card account on which I had a balance under {$200.00}. The payment was in the amount of {$11000.00}. This resulted in a credit balance with CapitalOne in excess of {$11000.00}. 

Since XX/XX/XXXX when I realized my error, I have been trying to get the money returned to me. I was first told it would take 7 to 10 business days because they had to send a check since the payment was made by check. In fact, my bank paid the bill electronically. However, I accepted the timeframe and waited. I have now called Captial One four times ( XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX ), spoken to four account reps and two senior reps. Each time I am given a different timeframe, different process and different date upon which I should receive the check. 

Today, XX/XX/XXXX, I spoke with a senior rep who told me that there is a " process '' that could take up to six weeks and that I " might '' have my refund by the middle of XXXX. She also informed me that no one above her level ever speaks to customers as they were all administrative. She also told me to get my bank to just take the payment back. I explained that the bank had made no error and that they would be unable to initiate an ACH debit against a credit card account. 

This is a large amount of money to me and I feel Capital One is holding it justly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an open case : XXXX Which was closed. 

Wells Fargo Sent My CFPB Complaint Status To The Wrong Person!!!! 

Why am I receiving this from someone who you guys ( Wells Fargo ) undoubtedly thought he was me? 

On Fri, XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, My name is XXXX XXXX. On XX/XX/19 I filed a case against Wells Fargo with the CFPB because a banking error on their part caused damage to my business. My case CFPB Case # is XXXX. On XX/XX/19 I received a response to my case stating they required more time and then another email stating that they had closed my investigation with this letter attached. 

The letter was the response to you and provide me with your email address, case number, details regarding your case and so forth. I have attached the letter for your review. I contacted the CFPB immediately and advised them of the situation. They in turn contacted Wells Fargo to advise them of their error and had the letter erased from my case. 

I am not sure but I do believe that without your consent I should not have had this personal information sent to me or attached to my case information. 

I felt it was necessary to contact you and let you know of this error. 

If you have any additional questions please feel free to email me. 

XXXX I am not XXXX and XXXX is not 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 2019-04-20 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: NY

Complaint narrative:
EQUIFAX IS REFUSING TO FOLLOW THE LAW WHEN IT COMES TO REMOVING OR BLOCKING UNVERIFIED ACCOUNTS OR ACCOUNTS THAT ARE A DIRECT LINK TO IDENTITY THEFT. THE ACTIONS OF EQUIFAX HAVE SEVERELY TAKEN TOLL ON MY LIFE DUE TO THEIR DIRECT DISREGARD OF THE LAW. XXXX HAS TAKEN STEPS AND IS REPORTING THE ACCOUNT AS FRAUDULENT. I DONT UNDERSTAND WHAT IS GOING ON WITH EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Someone stole my information and opened several credit cards under my name. I was able to dispute most of them with XXXX and XXXX  and they deleted all of them. 
that person opened and credit card with Capital one Bank account ending : XXXX and its charge off now. 
I would like to have this delete to all my credit report. XXXX and XXXX deleted some off them but haven't contacted XXXX yet to dispute all fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I saw claim for a debt I never owed believed to be made fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OR

Complaint narrative:
Since I began paying on my student loans I've been on different versions of income-based repayment plans. All I wanted to know was to pay the lowest amount but ensure that the payments were eligible for Public Service Loan Forgiveness ( PSLF ). 

As I attempted to recertify for my repayment plan I was notified that I wouldn't be accepted into the Income-Based plan because my income was too high. I was told I could keep my current payment, just under {$200.00} per month or I could change to the standard repayment plan and pay about {$160.00} a month. Both plans are eligible for PSLF and i pointedly asked the MyXXXX Rep why should I continue paying the {$200.00} instead of switching, he said it didn't make sense to stay on the {$200.00} payment. 

My concern isn't with anyone I spoke with yesterday, but how long have I been eligible for lower payments without ever being notified? Could I have been putting the extra {$45.00} a month to go towards paying off my private student loans that aren't eligible for PSLF?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been trying to resolve an issue with Synchrony Bank on a XXXX XXXX credit card/promotional purchase initiated last XXXX and autopaid by setting up on Synchrony 's website, in equal amounts on the payment due date prior to the offer expiry to not be charged interest. 

We found out that Synchrony had been incorrectly registering the payment the DAY AFTER the due date, resulting in increasing late fees and then interest every cycle. They also kept making numerous harrassing phone calls and leaving messages several times a day. 

We have spoken with their contact center several times, the calls lasting at least an hour, with requests for escalation and to remove the charges. We had several extortion-like requests to pay part of this fraudulent balance if they would take off interest and one late payment, and conflicting statements from every person we spoke to. This last call today was finally escalated to a supposed manager who was rude an refused to do anything. Upon request to talk to someone above her at a VP level and be transferred to a US based person, was placed on hold again for 20 minutes then disconnected. 

They are basically trying to strong-arm money for a mistake they made, and do so by trying to wear you out over the course of the call, putting you on hold numerous times, promising to put you in with a specialist, then coming back on the line with extortion to get you to pay. 

I want my credit to not be affected and the " balance '' erased. I paid this in full on time with way more than the minimum payment each cycle to meet the terms of the offer. 

XXXX XXXX, who I have been going to for decades, also needs to address this with their management and the use of this bank for their credit accounts. Already know they became Synchrony from GE Cap due to their continuing fraudulent practices. 

PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
I saw claim for a debt I never owed believed to be made fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a statement from Synchrony Bank/XXXX XXXX XXXX ( XXXX ) that my account was " past due '' in the amount of {$28.00}. plus interest of {$1.00}. I had not charged the purchase of any merchandise at any XXXX 's XXXX using the XXXX since XX/XX/XXXX. There was no balance pending payment since I always paid outstanding amount, avoiding any interest charges. When speaking with a rep of XXXX, I was told that the amount outstanding represented balance due of membership remewal fee.. Whoa! XXXX had unilaterally charged the credit card for my membership fee, unauthorized. I remember that during the month of XX/XX/XXXX, while at a XXXX XXXX XXXX in XXXX GA, I requested the status of my membership and whether any balance was due. I was verbally informed that i was " fully paid ''. I presumed that my account was in good. Then last week, I received the above mentioned correspondence. After speaking with a XXXX rep, it was agreed that the past due amount and interest due were incorrect, and reverse charges were initiated. Problem solved? No, because the report issued to a credit bureau included the past due notice plus interest. Wrong! This should never have happened -- renewing a club membership without member 's authorization, then compounding the error by entering into a past-due, late payment borrower. This should be corrected immeidattely.

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 2019-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
On going collection since XXXX. Received collection calls & letters regarding a XXXX XXXX XXXX ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, Suttell & Hammer. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. Suttell & Hammer filed a lawsuit against me for the XXXX XXXX account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WRJ Holdings, LLC
State: GA

Complaint narrative:
Hello I have paid 2 payments I have been laid off from work due to my XXXX and my wife complicated XXXX it's been super hard for to catch up I have told the company I was going to come in soon and make a payment butneash time it fail due to financial problems the company sent a voice and said a warrent would be issued for my arrest if the car isn't paid so if there another option.

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 2019-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On three different attempts XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX EXPERIAN responded XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same answers each time never addressing IRS VALIDATION OF DEBT ISSUE. I have been challenging the IRS validation of debt issues for a long time until I was informed about, CFPB services. Evidence that I provided. 
I am not the target of IRS liability, CFR 26, 6331 ( a ) levy may be made Officers, employees, or elected officials of the Gov't.. Federal Debt Collection Act 28 USC 3102, 28 USC 3104 ( A ), 28 USC 3104 ( b ) ( A ), court order must be issued and " earnings of a debtor may not be subject to garnishment. Also letter from the IRS Disclosure Office stating that I never had a Federal Assessment establishing a tax liability. copies were included. I asked Experian  to VALIDATE this so called debt according FDCPA Experian never did, brushed me off. I even handed Exp. the official VALIDATION ( my copy ) IRS disclosure Office NO FEDERAL ASSESSMENT and they ignored everything. IRS issues have no legal standing and must be removed at once, EXP. must make me whole.

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 2019-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: NH

Complaint narrative:
I am continuing to receive collection calls from Stillman Law Office who I previously filed a complaint against in XX/XX/XXXX, Complaint # XXXX. The debt being called about belongs to XXXX XXXX, the son of XXXX XXXX, the previous owner of my land line phone number XXXX. I was assigned this phone number in XX/XX/XXXX by XXXX XXXX. I have managed to get other debt collectors to stop calling but this one does not stop. 

My two elderly parents and XXXX sister live with my husband and me, and these harassing collection calls block the line for their medical providers to reach me. This needs to stop immediately.

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 2019-04-20 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:
On XX/XX/XXXX I ( XXXX XXXX XXXX ) opened a secure credit card with capital one with a {$1000.00} credit limit. On XX/XX/XXXX I closed the account ; before I ever received the actual credit card. I was told my money would be refunded to me within two months. Sense then I have called atleast twice a week trying to get Capital One to give me back my money. They told me, in XXXX, that their was a fraud issue with my account. I did everything I could to clear up the fraud concerns. On XX/XX/XXXX I was told, in real time, that the fraud alert was lifted. I was told to expect a check in the mail within two weeks. Two weeks passed, I called and I was told by customer service supervisor that the check was canceled. They told me that my check was returned because my adress does not exist. My fiance has a credit card thru capital one, they send him letters in regards to his credit card all the time to our address. On XX/XX/XXXX I was told by a customer service rep. that they were flat out not going to give me my money back! I have not received a single peice of documentation in regards to this account ; via email or regular mail. They refuse to even give me an account number. They are literally refusing to give me back my money. Can you please get me back my money? These people literally went into my fiance and I bank account and are now refusing to give me back my money. I even tried to get my bank ( chase ) to get the money back from them in XXXX. They refused to give the bank back my money. These people have caused me nothing but grief. {$1000.00} is alot of money to me. Please, this has gone on long enough. Now everytime I call they just pass me around to different departments, telling me someone will call me in seven days. I never get a phone call. They have told me someone was going to calm me atleast five different times. Nobody ever calls. Please please get me back my money!!!! These people are literally stealing from me!

Company response to consumer: Closed with monetary relief