vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I made a mobile deposit of a check that I received for contract work that I had done into my Chase checking account which I have had for 10 years. I do not normally deposit checks for this amount and so Chase Bank decided that the check deposited was not intended for me and therefore froze all funds in my account. I learned of this when trying to use my debit card and when I ask if I could please have access to the funds in the account prior to the deposit, they replied no. They cancelled my debit card, they said they would hold all direct deposits including my social security check, would not honor any automatic withdraws from the account and I could not have any of the money in the account. After a second call to Chase Bank they agreed to accept the check deposit in question when they could contact the signer of the check to verify that the check payment was intended for me. My compliant is that I didn't have access to any of the funds not associated with the deposit in question while they verified the check paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I closed on the sale of my home on XX/XX/XXXX late in the afternoon. That was the XXXX XXXX holiday weekend so the wire transfer to SLS did not go out until Tuesday, XX/XX/XXXX. I had received a written payoff letter from SLS on XX/XX/XXXX with the payoff amount of {$210000.00}. The title company wired {$210000.00} which included an additional {$140.00} for the daily accrual of interest at {$28.00} times 5 days per the payoff letter. 

On XX/XX/XXXX ( 10 days after the closing ), the title company called me and XXXX/Specialized Loan Servicing ( SLS ) had contacted them with a new payoff letter dated XX/XX/XXXX which is now {$2100.00} higher! The house has closed and been paid off ( the new owners are in the house ) and now they're issuing another payoff letter with added fees that were not on the original payoff letter under the category " Outstanding Fees/Corp Advances. '' The original payoff letter dated XX/XX/XXXX had only {$34.00} for Outstanding Fees/Corp Advances. and now it's {$1400.00} plus they added late fees in the amount of {$340.00} that was not on the original payoff letter. This is unfair and how can they backtrack to add fees after the closing of the house took place on XX/XX/XXXX?! I'm hoping the CFPB will step in and put a stop to this bait and switch tactic which is what I've read about XXXX XXXX doing with their mortgage customers. In the meantime, they are rejecting the wire transfer and not paying the house off, I've moved on, new owners are in. What a disaster. I need help. Thank you. 

Also, back in early XX/XX/XXXX, hurricane Irma damaged my roof and I called and asked about the XXXX XXXX program which they had authorized their servicers to suspend payments up to 12 months and not report the late payments to the credit repositories. Here is the XXXX XXXX guidelines on that program which I should have been given but was never offered and SLS 's employees knew nothing about it. XXXX XXXX XXXX So I had to miss some payments to fix my roof then I had XXXX XXXXXXXX that took me out of work for 90 days. I had sent them the sales contract showing that I was selling the house in XX/XX/XXXX. They have never offered any type of assistance since XXXX sold this loan to them in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recoverr, a debt buyer company reporting as a factoring company on my credit reports had two accounts listed as collections from XXXX XXXX. Those accounts were never validated. I never received an original consumer contract. I decided to settle the amounts because the collection implied that it would be removed. Portfolio did not remove the accounts. The rep coerced me to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I have recently checked my credit reports and it shows that I am in collections with a company by the name of XXXX XXXX XXXX which I believe is tide with XXXX XXXX. Reports state that the account was opened XX/XX/2017 and that I owe {$710.00}. I never opened an account with XXXX or XXXX XXXX XXXX. This account is not mine, this must be fraud. I have attempted to call but they can not find me in there systems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I had a joint XXXX credit card account with my husband. He was the primary cardholder and passed away in XX/XX/2016. The account was later closed ( by them ). There was a credit balance on the account, which, as you can see, I did not receive ( see letter ).

Unfortunately, after the account was closed, there were additional payments made to the closed account. I did not realize that my banking system was set on an auto-pay schedule of {$400.00} per month. This was paid automatically, monthly, to the closed account, through my bank. At no point was I notified that these payments were being made to a closed account. They just kept receiving the money - month after month after month, without ever saying anything, whether by letter, phone or other method. 

I have attached a printout of the extra payments that were made to a closed account and which I am due in the form of a refund. As you can see, I am owed is many thousands of dollars ( {$400.00} plus the credit balance that existed before the account was closed ). 

Over the past few days, I tried calling several times, with lots of transfers and customer service reps - including their probate and funds recovery departments. Unfortunately, no one individual  seemed to be able to access all of the information or be able to resolve the problem. It has been very frustrating and I need help. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit offices. Recently, XXXX told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. Nation Star told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I made a payment to Wells Fargo for a personal loan that I took out. The check I made the payment with was more then the amount owed including interest. There was any over payment of roughly {$700.00}. When I call the bank regarding the check, I was told that the amount was paid in full to the cent with no over payment. This is a blatant attempt to steal money from their customer. When I requested they refund my money as soon as possible, I was told they would need to investigate this even though I have the receipt showing the amount that was paid as I made the payment at a branch. They should refund the money once the receipt was provided without having to do any investigation taking up to 7 days. We both know what the amount owed is, I have the receipt which shows proof of payment and the over payment. This should be easily resolve and yet they are going to take 7 days. Seem they are eager to steal more money from their consumer and want that 7 day to figure out a way to do that.

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 2018-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have received ten phone calls today from XXXX at my home, place of employment, and my parents residence. An automated voicemail from XXXX XXXX has been left multiple times instructing me to call XXXX. When I call back I reach the voice mail of XXXX XXXX but their system will not allow me to leave a message. These phone calls are harassment of both myself and my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION
State: FL

Complaint narrative:
It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. 
It feel like BB & T being discriminate against me because I am 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 2018-06-08 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: CA

Complaint narrative:
Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.

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 2018-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I paid off my credit card account with XXXX XXXX XXXX on XX/XX/XXXX, and I closed my account with a {$0.00} balance on XX/XX/XXXX. I expected my account status to be updated with TransUnion as closed at that point. On XX/XX/XXXX, I received a report from TransUnion after having some credit inquiries as part of a refinance on my home mortgage and discovered that my XXXX account was still reporting as Current ; Paid or Paying as Agreed and that it still showed a {$15000.00} balance. But the last payment was reported as being made on XX/XX/XXXX. I was hoping it would fix itself on its own and that my report would be updated. When I checked again at the beginning of XX/XX/XXXX, I saw that the account still had not been updated as Closed with a {$0.00} balance. I filed a dispute with Transunion online about the account and explained the changes that needed to be made. They did update some other information, but they verified the XXXX credit card account information as Accurate, according to the Investigation Results that I received on XX/XX/XXXX. The XXXX credit card account information was still INACCURATE, so I opened another dispute for this same issue. I called my bank, XXXX XXXX XXXX, and verified with them myself that the account was indeed closed and I asked them to re-send this information to TransUnion. I also sent TransUnion a copy of the last credit card statement I received from XXXX stating the date the account was closed and showing a {$0.00} balance on the account via postal mail. In response to this dispute, TransUnion sent me back Investigation Results dated XX/XX/XXXX saying they verified the account again as Accurate. They received information from me saying the account had been closed and they are still reporting the account as Accurate, even though the information they have is grossly inaccurate and out of date. I called TransUnion again on XX/XX/XXXX and spoke with XXXX about the XX/XX/XXXX results. She said they verified the information from XXXX as accurate. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and he said that after I had called them in XX/XX/XXXX, on XX/XX/XXXX, they did a credit audit on my account and verified that it was closed and paid off and said they had reported that back to TransUnion. They also updated XXXX today, XX/XX/XXXX showing that my XXXX credit card account is updated as paid and closed. I want this fixed immediately. It is inexcusable that TransUnion is still reporting inaccurate information as accurate even after they have been furnished information that shows otherwise.

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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I do not owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have faxed, mailed and called Equifax, XXXXXXXX XXXX, and XXXX off and on since XX/XX/XXXX with a Police report, Identity Theft Affidavit and written narratives until today XX/XX/XXXX when I was on the phone for 2 hours to get Equifax to delete, block or remove with my police report. Equifax urged me to contact you here as well as call the FTC at XXXX. Today they disputed again the three charge offs and the address that is on my credit report. I was the victim of Identity Theft make them delete those accounts now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i bought a third car / XXXX XXXX XXXX XXXX and various parties ruined my freedom with incriminating fact a conspiracy they hit my car wrecked it robbed businesses XXXX XXXX ruined my car all because XXXX was created by XXXX harassment news coverage for XXXX XXXX XXXX XXXX XXXX hired XXXX XXXX XXXX addicts to wreck my car block my Drivers license XXXX XXXX is blocked please investigate XXXX XXXX XXXX   ruined my job ability XXXX XXXX are placed to cheer up city works XXXX XXXX was sent by XXXX priest to block all jobs XXXX XXXX arrived from XXXX and XXXX where XXXX are used to defame parties most XXXX laugh in my face I went Bankruptcy Ch XXXX please read no lawyer will listen how I am jobless XXXX XXXX B XXXX / all camera are given to keep me jobless /

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: Credit Karma, LLC
State: WV

Complaint narrative:
There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rauch-Milliken International, Inc.
State: CA

Complaint narrative:
I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX, my attorney responded on my behalf. RMI did not respond to my attorney 's letter. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, a representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately '' ( capitalized for emphasis ). 
I believe it is improper for RMI to be contacting me directly when I am represented by my attorney. RMI never responded to my attorney 's letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: WV

Complaint narrative:
There is hard inquiries on my credit report that were fraudulently done and there is old collections accounts that I disputed forever ago that either do not belong to me or the accounts were charged off at the end/beginning of new year.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit  offices. Recently, Experian told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.

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