vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
As of XX/XX/XXXX, PNC had withheld a check for no reason that i had deposited. The company regularly states that if a check is deposited, that the following day the funds will be available. I had deposited my check into my checking account on the XXXX between XXXX and XXXXXXXX XXXX. The brach is  PNC in XXXX Pa.. When i called to see why the funds were not available the next morning, the service department had stated that the bank the check was drawn from, had stated " the items would not be paid '' and that the funds were unavailable. When the funds were actually already transferred accordingly on time from the bank the check was drawn from. PNC is lying to customers, withholding funds, and telling lies of other companies that there checks are bouncing. this causes a financial hardship on the consumer and the companies that PNC has fraudulently lied about stating there checks are not good for cashing, and funds not available. The company also lied about having customers funds available the next day when that is not true. This had caused a financial hardship on myself from there lies and manipulation of customer funds. an investigation needs to be applied to this companies business practices as they are violating banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
The company ROUND POINT, was suppose to make my home insurance payment, but they sent the check to the wrong address, or so they say. They wanted me to issue another check, but they made the mistake I tried to speek to someone in the office, but they were giving me the run around, I was STRESSING out. I wanted answers, that's why I contacted your company, PLEASE HELP ME. I want some action takin to this company!!!

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 2018-12-22 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: Receivable Recovery Services, LLC
State: MS

Complaint narrative:
XXXX continues to report two items on my credit reports from Receivable Recovery. I disputed both accounts numerous times but XXXX  keeps reporting as verified. I called the Collection Agency at XXXX on XX/XX/2018 and the representative told me that their company does not have any documentation for the accounts they are reporting. This means that XXXX is not performing a thorough investigation and is being negligent and lazy. If Receivable Recovery has no files or documentation of the account number on file, then how are they validating and verifying the account? How is XXXX verifying and validating the account? This account should be deleted immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Denied credit basis for denial was not valid stated too many inquiries as for denial derogatory remarks not quantifiable ethier

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I open a dispute with my Bank ( M & T Bank ) on XX/XX/2018 for an unauthorized charge that was placed on XX/XX/2018 on my debt card after losing my wallet which contained my debt card and driver license. I received a letter from my bank dated XX/XX/2018 with the results from the investigated claim # XXXX and since there was a photocopy of my driver license and an account that was supposedly created in XXXX with a company i have never heard of or used it has to be me and would not honor my claim and would not reimburse me in the amount of {$300.00}. I faxed a request for a re-investigating and M & T bank would not honor my request.

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 2018-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: STATE FARM BANK, FSB
State: MD

Complaint narrative:
My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.

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 2018-12-22 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:
This account was already removed due to non ownership. Account, XXXX/XXXX in the amount of {$3000.00}

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 2018-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Have been trying to an investigation and removal of the account XXXX XXXX off my credit report. It is not mine and would like it removed which has been done from XXXX and have not gotten help from TransUnion. Horrible customer service and would never recommend them.

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 2018-12-22 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: VA

Complaint narrative:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

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 2018-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After checking my profile this summer on XXXX XXXX ( XXXX ) I noticed that my credit card with a {$24000.00} limit from Bank of America opened on XX/XX/XXXX was closed. I contacted them to inquire why it was closed, because the reason listed on the site under Remarks is " Account closed by consumer '' -- -I DID NO SUCH THING either verbally or in writing. I was told by the representative when I contacted them was that is was closed " due to non usage '' and added that it could be re-opened by applying a second time which would be a hard check on my credit, dinging my score which has steadily dropped from well over 750 to low 700s as I've paid off various accounts and balances. What I DID do was have the balance transferred in XXXX/XX/XX/XXXX to a XXXX Personal Loan because the Bank of America credit card interest rate was too high and at XXXX, I was able to get a better rate in order to pay the balance off faster. Yes, I did stop using my credit card to reign in my spending, improve my financial standing and score and pay off my debt. What I didn't expect was this financial institution to cause me financial harm by closing a card with the credit limit that I earned without my expressed written or verbal consent. I contacted the credit bureaus to dispute the closing and have received results that are not favorable, so I decided to reach out to the CFPB to see if you all might be able to help. I'd like to make a major purchase in the coming year and will be unable to do so without demonstrating that I am responsible with money. Thank you for any 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 explanation
Consumer complaint received 2018-12-22 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My american express card was used by my self in XXXX XXXX XXXX this XX/XX/XXXX I had 2 rooms reserved 1 for me and 1 for my daughter upon checking in i went to my room where the room was dirty moldy i went to the desk and told them i said we just checked in and will not stay in the rooms because of there filthy condition they said ok took our keys back and said no charge. when my bill came i noticed the hotel charged me for 2 nights and for both rooms i called the hotel and was given the General mgr name Mrs XXXX i called several times and left messages over 4 days she never returned my calls I notified Amex and filed a dispute they received info from the XXXX i was given XXXX credit and was still charged XXXX for the second room my dispute was reversed by Amex i called then again in XXXX and put it back to dispute once again they took the merchants side i tried to dispute again but was told i count have 3 disputes. when i told them again that i was only given credit for one room they took another complaint but in 2 weeks it was put back on my card. I called today and spoke to a disputes also who informed me that the docs provide were used 3 times the hotel never did the next 2 docs but amex used the original docs from XXXX all three time now if the first dispute was reversed then using the original docs would make all other disputes in favor of the XXXX XXXX. Today after filing another dispute and giving her reasons for the reverse design she agreed to have them resubmit a dispute asking for new docs from the merchant. Then she transferred me to another woman who told me that the new dispute filed today was not allowed. This XXXX XXXX is XXXX miles from my home and amex just used for all4 disputes the original doc from the hotel i told the woman to cancel all of my 4 Amex cards because of this. It seems that amex did not properly complete the last 3 disputes so ii did not get a fair shot with them and the hotel provide to them false docs saying i was given XXXX and XXXX and a fern night but all i got was a big headache from amex. I was hoping that yr agency can help me as of today i am being charged for something i never received and thing the fair credit act has protection for this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I attempted to close my accounts with fifth third XX/XX/2018. My account was not closed, and I have since been hit with two overdraft fees, and have an outstanding balance of {$290.00} from a recurring payment tied to the account, plus the two {$37.00} overdraftt fees. The account is still not closed. Fifth Third Senior Vice Preisdent XXXX XXXX sent me a lettter threatening collections if I did nott pay, and provided contactt information and hours. I have tried calling within tthese time windows on multiple different times, on multtiple different days, only to recieve an auttorecorded message saying that fifth third is closed. The call window is XXXX M-F, XXXX Sa-Su. I placed multiple calls at both XXXX Saturday and XXXX Friday to no avail. 

This issue can not be resolved if the contact information provided is not functional. I have phone logs to back up the call placement times. I also have withdrawal records, and I'm sure the bank has video evidence of me entering and asking to close my account XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-22 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: VA

Complaint narrative:
Sent information in the this company several times. I uploaded documents directly to them when my certified mail documents went unanswered. I called and was told to mail in the documents again. I can never get a representative located in America, its always XXXX or somewhere i can't pronounce. Its several inaccurate information on my credit report, which after weeks of research and legal assistance, i now know its fraudulent. I've attached my information to be resubmitted, please remove this information. I will also attempt to upload these documents directly to them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: Armor Systems Corporation
State: FL

Complaint narrative:
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX and XXXX and explained XXXX removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

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 2018-12-22 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained transunion removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX  and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Collections agency Diversified Consultants , Inc. continues to pursue me for a debt of {$100.00}, including collections fees, on behalf of creditor XXXX XXXX for cellular telephone service. 

I have repeatedly notified Diversified Consultants, Inc. and XXXX XXXX that this debt is not valid. 

No cellular telephone service was provided and no mobile/cellular device was connected to the cellular exchange provisioned by XXXX XXXX during the period for which XXXX is attempting to bill/collect. 

Furthermore, I was not in any type of long term contract with XXXX XXXX that would have obligated me to pay even if no service was provided or to pay an early termination fee. 

The attached bill from XXXX XXXX clearly demonstrates that no service was provided. 

In 2015, I lost my cellular telephone and reported this immediately to XXXX XXXX. No other party ever used the lost telephone. 

XXXX XXXX refused to provide me with another cellular telephone unless I paid an an exorbitant amount up front and then proceeded lock me out of my cellular telephone account with an erroneous " fraud alert. '' When I complained to XXXX XXXX Executive Relations about this matter, XXXX XXXX proceeded to " suspend '' my account on XX/XX/2015 and then reactivate my account on XX/XX/2015. 

XXXX XXXX is attempting to collect on a bill for a service that was never provided. My repeated complaints to XXXX XXXX Executive Relations have not resulted in XXXX XXXX making any good faith effort to resolve this matter. 

Negative comments regarding this debt have been made to consumer reporting agencies. These negative comments appear on my reports with XXXX, XXXX, XXXX and the XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On or about XX/XX/18 I noticed my XXXX XXXX checking account was overdrawn a little over {$900.00}. A review of the debited amounts showed I paid Chase Bank Creditcard {$3700.00}. This is incorrect. I paid {$170.00} on XX/XX/18. When I called Chase, I was told it was a " posting error '' and they would reverse the amount, excluding the minimum payment due of {$160.00}. I then called XXXX XXXX and explained what happened. They had taken funds from my checking, savings and a XXXX XXXX credit card to satisfy the {$3700.00}. In addition, they charged a number of overdraft fees for this and other automatic payments that I have set up for various bills. XXXX said they would initiate an investigation. A few days later I received a letter, dated XX/XX/18 from XXXX ( copy attached ). I thought the matter was resolved until I received the attached letter from Chase dated XX/XX/18. I called them & spoke to XXXX at the number listed on the card. He transferred me to a Supervisor named XXXX in XXXX, Florida, who told me they returned the {$3700.00} twice, in error. The problem is I only see one refund amount for {$3700.00} on my bank statement. I don't know where they sent that money, but it wasn't to me. In addition, they've added that amount to my balance and now show that I owe {$7300.00}, which is over the card limit of {$4000.00}. 
Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation