vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Good Afternoon, My name is XXXX XXXX. I have a business checking account with BB & T. I opened the account online, was approved and transactions have occurred since the beginning of this year. 
2 weeks ago a person in NC made a claim to BBT that they are an owner in my XXXX. Because of this the bank has blocked my activity and access to the account. BBT for the last 2 weeks has not had a representative contact me personally to explain the situation or provide a time frame for a remedy. 
The other individual 's attorney has had 2 weeks to provide documentation of proof of llc ownership and has not. 
BBT will not provide me with a time frame for how long the other side can block my account.

BBT has failed to provide any sort of customer service or involved action to provide me with details, remedy or timeframe for resolution. 
Bills need to be paid and we are 2 weeks behind at this point. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: AZ

Complaint narrative:
XX/XX/2016 someone got a auto loan under my name. I do not own a vehicle or driver 's license.

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 2018-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I was under the impression that XXXX XXXX, XXXX was a Student Loan Forgiveness program. Since my enrollment last year, XX/XX/XXXX, the company has changed from XXXX XXXX to Equitable Acceptance Corporation to now XXXX XXXX! I received details on the change in a timely manner, however, when trying to get in contact with XXXX XXXX for at least a month, they informed me that Equitable Acceptance is NOT a Student Loan Forgiveness program! This is an issue as I have been making automatic monthly payments of {$49.00} since XX/XX/XXXX. This company did contact me during this time claiming they will assist with my student loan. When I called the company back in XX/XX/XXXX, as my re-certification for the income driven plan was due, the agent connected with the FAFSA, with me still on the line and proceeded to tell the FAFSA agent to place my account on forbearance. When they finished, I questioned why would there be any reason for putting my account under forbearance as I was paying a monthly fees. I was told that this will help reduce my current loan amount when my consolidation is over. I now owe Equitable Acceptance {$980.00} in order to cancel my account with them and to make ACTUAL payments towards my loan. I never wanted forbearance! The XXXX XXXX agent had me on the phone for nearly 1 hour, taking down all of my details AGAIN. All I want is to cancel this account and the XXXX XXXX agent said I had to continue my payments with Equitable Acceptance. I am very confused because supposedly Equitable Acceptance is no longer my representative as they connected me with XXXX XXXX. One of these companies is taking my payments, however, my student loans remain the same. I am afraid that these companies continue use the forbearance. Currently, I put a stop to the automatic payments for Equitable Acceptance and I am running the chance of the payments going to collection. I really need assistance to resolve this matter, even if it is at the very least the best advice you can give will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was trying to Modify my loan with XXXX which was later taken over by Wells Fargo. I suffered because it took over a year to modify during the process, I had to change companies and pay another company to take over and I encountered more fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
I have been trying to work with XXXX. XXXX since XX/XX/2018 to get the MI off my house. They have passed me around several times and nothing has happened ; no help, no responses and no action. I was originally told by a manager that a 3rd party would call me for new appraisal and nothing, the number I was calling no longer worked for that manager. I then requested for my MI to be removed through their email process months ago as well. Generic response with no help, I emailed them back with more information and no response. For the last 6 weeks I have been trying to work with Al XXXX XXXX. for home lending and nothing has happened. I have received 1 email saying he is working on it at week 2. I have called,  left messages and emailed with again no responses. My loan has no waiting period and the MI can be removed. This has now cost me more than the cost of a new appraisal which I was told at first my upgrades would prove enough and wouldn't need, then later was told I would need. I agreed and nothing has happened still. This company in my experience is a joke and has done nothing to service my loan. 
I have phone records and emails to show my interest in the MI being removed and almost nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
On XX/XX/XXXX I tried to open a XXXX checking account and was told they could not open it because chexsystems was frozen. I told them I have never frozen it so they called chexsystems and they said it was not frozen to try and pull again. They did this again and it came back again saying frozen. On XX/XX/XXXX again XXXX tried again to pull my report and it came back saying chexsystems is frozen. We called again and was told it is not frozen. Chexsystems told them to pull it again and they tried again and was still showing frozen. I ordered a copy of my report and called in and was told again it was not frozen. I have never had a problem in my life opening a checking account and now I have 4 XXXX inquiries I want removed because all 4 times chexsystems said it was frozen. On the back it says XXXX XXXX frozen. Yes I did freeze that but not chexsystems. It was frozen because of the breach XXXX XXXX had. I would like that removed from my chexsystems report as that is coming through to banks that I have my chex report frozen which I do not and never have. Dl number is XXXX ss XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I contacted Experian asking them to remove the bankruptcy the listed on my credit report. In addition, I asked them to provide me with a ) the name of the courthouse ; ( b ) the persons name you verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. Their response to my dispute was the United States Bankruptcy Courts of Illinois is the company that reported the bankruptcy on my credit report. In XX/XX/XXXX, I had reached out to the United States Bankruptcy Courts of Illinois asking them if they had provided this information to Experian. In response, I received a letter from them stating that the courts do not perform any activities with the credit bureaus. I submitted this letter to Experian and they are still refusing to provide me with accurate information on how they are reporting this bankruptcy on my credit report. Since, they are falsely doing so, I have decided to reach out to you for assistance.

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 2018-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XX/XX/2018 my cousin XXXX XXXX added me to 3 of his credit cards as an Authorized User since he was having difficulties making his payments on his card, in trade he allowed me to use the card and by doing so it would add to my credit history since I don't have a vast history on my credit report. My other cousins were added to the card and their information is reporting. I called each of these companies and they stated that they sent the bureaus my information for it to report but I'd have to call the bureaus. When I called they acted confused and I needed this in writing so I can at least have an advocate on my behalf

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 2018-08-30 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Before XX/XX/2018, I have paid additional {$200.00} payment to my account. The way they handled the over payment was applying the money toward the fee and interest first, whatever leftover applied principle of the loan, instead of apply whole {$200.00} toward principle. It is not like other loans that allow us to pay additional amount toward principle, which make me uncomfortable about it and feel unfair. It does not help me to pay off the loan faster. Also, they already charge us interest and fee, why the over payment still goes toward fee and interest first? And they don't the option that we could direct the over payment directly to principle without applying to fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On my EQUIFAX credit report, there is a hard credit pull from XXXX on XX/XX/XXXX & XX/XX/XXXX. I don't recognize the name nor authorizing anyone to do a hard pull on my credit. Please help me remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I really hope you can help me ; there is inaccurate information on my credit report. Im not sure what information you require regarding each account, I will add the account/ account number and the date opened. Please correct and update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. This is really affecting my credit report and my life negatively. I WAS NEVER LATE. 
XXXX XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
This is yet another compliant about the unscrupulous business practices of this collection agency that despite my previous complaints continues to call me regarding a debt that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant but still have yet to receive this information. Even further I received yet another collection call from this agency today in which I made it quite clear that the burden of proof is with the collection agency and not me and that all collection calls should cease and desist. This agency 's failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me a copy of verifiable proof, It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX   have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I had a lease XXXX XXXX XXXX with XXXX financial it was turned in in XXXX. Equifax is saying Im months late and Im not. Ive filed many disputes. Nothing is done still on my credit report. Ive called XXXX financial they say the account is closed and has been since XXXX and they have had no communication with Equifax. They told me to contact federal trade Commission since Equifax isnt removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: CITIBANK, N.A.
State: FL

Complaint narrative:
catagory needs to be ''CREDIT REPORTING FRAUD, LYING '' AND THIS IS NOT THE SAME COMPLAINT SO I AM REPOSTING IT, BY THE WAY ITS OVER 2 MONTHS SINCE RESPONDED TO SO WHERES MY XXXX, XXXX CRIMINALS PROTECTED BY THE CFPB AS USUAL, THERE HAS NEVER BEEN ANY VALIDATION OF PROOF OF ANY DEBT, A STATEMENT IS NOT A DEBT, A ''BILL '' IS A DEBT AND SHOW ME THE ORIGINAL INSTRUMENT, THE CATAGORY NEEDS TO BE ''BANKING FRAUD '' ANYWAYZ XXXX [ XXXX XXXX XXXX XXXX ] XXXX IS REPORTING INFORMATION THAT IS A XXXX FRAUD, THEY ARE NOT GIVING FULL DISCLOSURE AND HIDING A SECRET LEDGER OF  ACCOUNTING, THESE SIMPLE QUESTIONS HERE I DEMAND ANSWERS WITH CLARITY OR THE LAW SPEAKS FOR ITSELF REGARDING SILENCE IS AQUIESCENSE, ANSWER THESE QUESTIONS AND DONT SEND ME YOUR XXXX ROBO-STATEMENTS TO MY ''BILLING ADDRESS '' DID YOUR BANK MONETIZE MY SIGNATURE?, YES OR NO, WAS THE CHECK DEPOSITED [ that you claim was bad ] WAS THE CHECK TOTALLY WORTHLESS TO YOUR BANK?, YES OR NO, WHY ARE YOU SENDING STATEMENTS TO A BILLING ADDRESS? WHEN IS A COMPLAINING PARTY GOING TO PREPARE A STATEMENT OF WRONG DOING?, [ sworn to before a notary. WHEN WILL I RECEIVE A ''TRUE BILL ''?? SILENCE IS GUILT, SILENCE IS AQUIESCENCE, SILENCE IS FRAUD ANSWER THESE SIMPLE QUESTIONS IF YOU CAN,

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Back in XX/XX/2016 I filed bankruptcy due to Loss of employment. I included the debt of XXXX XXXX XXXX XXXX of XXXX and recently tried to apply for a checking account with XXXX XXXX XXXX XXXX and was Denied because this Bill Collector and XXXX which I also filed another complaint against decided they were above the bankruptcy law and decided to put a debt that was included on the bankruptcy filed back in XX/XX/2016 Case # XXXX. I received a letter of denial from XXXX XXXX XXXX XXXX   Today. Due to them retaliating against me filing for a bankruptcy this is causing me a hardship of not being able to open up a checking account. I will be filing a lawsuit against XXXX, XXXX XXXX XXXX XXXX , XXXX  and Chexsystems. If this does not get removed off of my Chexsystems  Report ASAP. Under violation of the bankruptcy code.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Re : Second Complaint Against M & T Bank - Loan Number # XXXX Previous CFPB Case # XXXX To whom it may concern : The original complaint against M & T was submitted in XXXX, This is the second complaint with the new information. Until last week, XX/XX/XXXX-XX/XX/XXXX,  though I had called on numerous occasions, After checking records on my cell phone and work phone, I received no phone calls from M & T bank on either regarding my submission of substantial new information. Each call resulted in speaking with a different person who didnt have the file. Its amazing that they would not be willing to work with a customer who, up until this point, had paid timely and more than required. The scenario below outlines what has occurred. 

1. To my original request for a modification, M & T responded that I couldnt afford the modification, though the reason for a modification is to help the homeowner afford to stay in their home. Because of medical bills, which are still ongoing, there is a necessity.

2. As they requested, I sent additional information to show a reduction in expenses which shows a change in financial position. No response on the updated information.

3. The attached letters state that they are willing to work with me on loss mitigation options ; however, when I call the Homeowners Assistance Center ( HAC ) they say they are not. A {$650.00} reduction in expenses is substantially new information.

a. # 2 - XX/XX/XXXX letter. M & T states they are unable to honor the modification appeal because they didnt receive new or additional information. 
b. # 3 - XX/XX/XXXXupdated expenses. I sent an updated financial report to them on XX/XX/XXXX. The original report is included ( attachment # 1 ) c. # 4 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options. 
d. # 5 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options.

e. # 6 - XX/XX/XXXX M & T letter. States they remain willing to review my account for possible loss mitigation options, and that I should call the HAC to inquire. 
f. XX/XX/XXXX, I spoke to XXXX in the HAC who said she was sending a new package for me to complete. However, the management in that area disapproved the request. 

Though M & T has stated that they are willing to work with me on loss mitigation options, their actions are just the opposite. Even after sending different financial data as requested, they didnt send another package as promised. None of the letters speak to the new information sent. When I call they are unwilling to work out options and say something totally different than what is sent with their letters.

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 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access. 

Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return. 

I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account. 

I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.

Company response to consumer: Closed with monetary relief