vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I opened a savings account with BB & T bank in XX/XX/2018. I made a check deposit that into my savings account for a catering payment that ultimately bounced. In the process I was also making my opening deposit of {$5000.00} from my other bank account. 
The individual that wrote me the check inadvertently wrote the check from a old check book. 
All fees from the returned payment had been satisfied. BBT decided to close my savings account due to the returned check which they are refusing to refund my deposit. They are stating I have to go into a branch, which I have and have gotten the run around about getting my money back from different employees/managers in the bank.

BB & T is illegally holding my funds. BBT has no right to holds these funds. I would like to know what law or banking regulation that gives them the right to confiscate someones money and not communicate with them. I was hung up on by their reps! Just an all around unprofessional business. BBT makes their own rules when it comes to your money!!! BBT NEEDS TO REFUND MY DEPOSIT!

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 2019-01-18 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 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: CA

Complaint narrative:
have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$620.00} XXXX/XXXX  {$1200.00} XXXX XXXX {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX  XXXX is using midland/mcm/encore to abuse service members and retirees. when bureus are asked- no audit trail is provided- buttons are pushed- daily checks are made to companies. any attempt to remove mcm/micland results in harassment by credit one- which owes me over 120K in tcpa fines and refuses to pay. they did not stop harassing my XXXX line. furthermore mcm/encore has been sued by you and refuses to pay up - and remove the slander on my files. furthermore companies are reporting to XXXX and other subCRAs- which shoul not exist like clarity to continue perpetuated abuse and public defamation. Then these sub CRAs which only credit companies use- and like to hide info on thier associates- actively deny on basis of outstanding debt when there is NONE. Its is a cyclical debt resale game.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: TX

Complaint narrative:
Transunion constantly publishes and uses old and out of date balances on my accounts and credit cards to intentionally lower and negatively impact my credit score.

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 2019-01-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I TRIED FEVERISHLY TO MOTIFY MY MORTGAGE WITH CHASE BANK. 

THEY KEPT LOSING TO DODD FORMS OR STALLING. 

XX/XX/, 2018, APPROXIATELY {$240000.00}. I COMPLAINT TO ALL AGENCIES THAT WOULD LISTEN, THEY CONTACTED CHASE AND CHASE DID NOTHING.

TO THIS DAY CHASE BANK FEELS THAT THEY ARE ABOVE THE LAW, CHASE STILL CONTENTS THAT THEY ACTED IN " GOOD FAITH '' NO THEY ACTED IN BAD FAITH. 

THEY LIE, LIE AND CONTINUE TO LIE, THEY MUST BE STOPPED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: NV

Complaint narrative:
I received a letter from Javitich Block in XXXX, Ohio on XX/XX/2019 in matters regarding collections on a XXXX XXXX XXXX XXXX XXXX XXXX that the CFPB already settled with regarding this matter. I have yet to have had an independent review of my case from XXXX County Court and I believe at the time of the filing they used falsified documents to win a judgement in the matter. The collection attempts is a clear violation of the recent settlement agreements that the CFPB has with XXXX XXXX XXXX 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 2019-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 Diversified Consultants reported falsely on my credit reports i owe them a debt of {$1200.00}, i asked for written prof with my signiture on it that i entered into a contract with them for any services, they may have provided to me it's been more than 60 days and they havent provided any such documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
My ex-husband is a XXXX in XXXX, CA. 
We have been divorced since XX/XX/XXXX. 
Back in XX/XX/XXXX XXXX XXXX XXXX, XXXX stole my identity, and I had to contact the FTC ... file a formal complaint, and it took years to fix. 
His whereabouts are kept ( all his bills are being paid, etc ... ) secret by XXXX XXXX XXXX, as well as his younger brother who is XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX. ( extremely XX/XX/XXXX. has FAILED to hold up to his oweth as an XXXX XXXX XXXX XXXX ). 
Now I am receiving NEW letters via USPS from collection agencies and attorneys who state that I am in default of payment to credit card companies, yet AGAIN. 

My credit score shows 3 different credit card balances which were NOT opened by me ; XXXX XXXX XXXX, XXXX uses the unique spelling of my name, and has copies of all my personal data. He waits until I go to great lengths to fix my credit, and then re-applies for whatever credit card company he's able to trick into giving him a line of credit in my name, under my social security number & date of birth. 

He is a dnger to the community. A hopeless XXXX, and has been allowed to thumb his nose at the Judicial System for over 25 years, thanks to his immediate family. 

He is in default of his court ordered child support which dates back to XX/XX/XXXX. 
What is wrong with this country?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is specific to practices by capital one bank. I held a personal line of credit with lender since XX/XX/XXXX. I received a letter from capital one XXXX XXXX which claimed the loan was in Default and no additional credit would be extended and once the loan was paid in full the account t would be closed. I was unaware of any default on the account but did immediately paid off the balance of approximately 24k in a single payment. I contacted the lender and was informed capital one no longer offers personal loans and is marking all accounts where possible as in default. It didnt make sense to me at the time but upon reviewing my recent credit report I see that capital one reported my account as delinquent virtually destroying my credit score. They clearly sought a way to remove themselves from the personal loan and caused me personal harm in the process. After seeing the impact to my credit I Immediately contacted capital one to learn they claim my XXXX payment was late because I didnt make the minimum payment. I advised them my payments were always made online through their platform including the final payment to pay the balance. They stated I should not have relied on the minimum monthly payment reflected on line as that could have been inaccurate. In fact they state I paid an incorrect amount prior month ( despite what was stated as the minimum payment online ) which caused a portion of the unpaid amount to carryover from month to month unknown to me. The customer service representative informed me the capital one online banking system was not where we want them to be and that I should not have relied on the minimum payment amount reflected on their system. Why am I being held accountable for a flaw in their online banking system and frankly I now believe this was simply an attempt for capital one to close personal loan accounts through their own admission they no longer want to offer. They want off of these loans now and have undertake questionable business practices to do so. When you call capital one XXXX customer service number the pre recorded message now states capital one is no longer offering personal loans. These are deceptive practices by capital one with intent to elimate loans and create adverse credit impact for its customers. I have challenged this through credit agencies with no success and sent email to Capital One CEO and his executive team and did not receive a single response. The documentation provided by capital one to credit agencies claims a late payment but the specific individual months never reflect an overdue amount. Given likely large scale pattern of behavior and business practices against consumers, CapitalOne will be subject to a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
this is my 3rd complaint on same acct-continues complaint # XXXX & XXXX.for 5 yrs since our mother passed away we have tried to get jpmorgan chase to close her acct and forward monies-court order instructed them to-well they never do-they keep ans your inquiries saying oh yeah this will be handled-then contact us because they '' never received '' documents faxed to them-we have confirmation it was sent-Every day another reason to delay to obstruct-lies like u can not believe ex : given one fax # on chase ltr but on further inquiry told to send to diff # -ex : all documents sent from chse come to our correct address-except chks-that means we have to fill out forms to stop payment on chks not received-except chase recently admitted they have those chks-why not just mail them to correct address??? so forms filled out faxed THREE wks later told we are missing those forms forms we have fax confirmation on.look i could go on and onthey have no intention of ever releasing these funds, always given yeah its gon na be done-always replying to you matter being taken care of-then telling us more needed more needed ever more needed-they never tell this office that all i know is im becoming-at almost XXXXyrs old-a chase gopher go here do this run there etc-and its really driving me and my brother ill i have XXXX XXXX  XXXX  XXXX XXXX but eh-they drop the ball and i always have to scurry about because of that not fair is there oversight is there justice please help were drowning

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NY

Complaint narrative:
XX/XX/XXXX and XXXX. Excessive overdraft fees, first one against a positive balance. If after a XXXX fee your balance is negative XXXX then obviously I had a positive balance of XXXX!!! When I access my account on line I first see recent pending and cleared items. It gives me an option to bring up Full Account Activity but they tell me this is not a correct representation. Then why is this available to me to look at???? They give me different daily balances then what I see on the Account Activity. But it is pretty obvious if you get a negative XXXX after a XXXX fee the account had to be positive. If not for the first 2 fees that are wrong the next item in was for! XXXX which would have made the balance a negative XXXX  cents, under their negative XXXX  dollar thresh hold for a fee. After that I had items of XXXX, XXXX and XXXX, those would cause fees, but only three. I admit to three fees. The next item after what should have been three fees, not six was the direct deposit of XXXX. If not for the first 2 incorrect fees the balance would have been negative XXXX   plus 3 fees of XXXX dollars or neg XXXX That would make balance after direct deposit a positive XXXX not XXXX They do this all the time. They give different dates of the items clearing and different dates of the daily balances then the Full Account Activity I can bring up and look at. If what I can bring up and see is wrong then why can I bring it up. Why do I get an activity page that is not the correct order???? But like I said if a fee of XXXX makes your account negative XXXX the balance was obviously positive. The balance would have to be negative XXXX plus at least XXXX  to have been over drawn!! They can not fathom this when I say that, it is simple math. I have printed information I will send in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have a Paypal Mastercard and a due date of the XXXX, on XX/XX/XXXX I had a payment due of {$25.00}, on XX/XX/XXXX at XXXX I made a payment of {$50.00}. I received an email thanking me for my payment at XXXX. I then received an email on XX/XX/XXXX at XXXX XXXX stating my payment was processed. I then go online at XXXX XX/XX/XXXX and notice I have a late fee. I call the XXXX number and she states their system has not updated and that the late fee will be removed. I tell her there should not be a late fee if a payment was made on time prior to XXXX like your contract states. She then tells me the same thing. Reading online these seems like a tactic they use to collect late fees from customers who pay on their due dates. This can not be right. 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 2019-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Solutions, LLC
State: TX

Complaint narrative:
The Asset Recovery Solutions company made an unauthorized withdraw of XXXX from my account. And I need the money to pay my XXXX to prevent XXXX  time for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: IL

Complaint narrative:
On XX/XX/2018 I received an updated Experian credit report and found that I continue to be plagued with inaccurate accounts. This dispute is pertaining to the account listed by the debt collection company XXXX XXXX.

On XX/XX/2018 I sent a debt validation letter ( attached item A ) to XXXX XXXX requesting several items of information including any copies of documents proving my agreement to such debt. I never received any documents proving that I agreed to this debt. I only received information on how they calculated the amount due ( attached item B ) and a statement. XXXX XXXX never sent me anything that could verify that the account belonged to me.

On XX/XX/2018 I sent a dispute letter ( attached item C ) to Experian detailing the situation and provided them with the documents that were sent to me from XXXX XXXX. After Experian conducting their investigation, I was sent an updated credit report and the account listed by XXXX XXXX was still deemed as verified. How is that possible? How was Experian able to verify the account?

According to the Fair Credit Reporting Act, credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract on any and all accounts posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

This negative account has directly caused me great financial distress which includes being denied credit and offered unfavorable credit terms.

My demand is the immediate and permanent removal of this inaccurate account listed by XXXX XXXX on my Experian credit report. This is my final attempt at a resolution with Experian regarding this matter before I retain a consumer protection attorney and present my grievance in a federal court.

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 2019-01-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am formally filing a complaint against : PNC bank : XXXX XXXX XXXX XXXX   XXXX OH XXXX ... XXXX They have illegally and fraudulently added a balloon payment Of {$8000.00} + to my loan balance which was not on the original contract that we signed in XX/XX/XXXX. The terms of the {$100000.00} home equity loan ( 5.99 APY ... 15 years ) clearly stated that I had to make 180 payments of {$840.00} over 15 years ; starting with the first payment on XX/XX/XXXX until the last one in XX/XX/XXXX.

As of today I am current on all payments including all late charges and financing charges which might have occurred over the years.

I just made my XX/XX/XXXX payment. As of today I should only have 13 payments of {$840.00} which should equate to a balance of {$10000.00}. Instead I am being told that PNC will charge me a balloon payment of $ 8000+ after the final 13 payments, raising my balance to over {$18000.00}. That is contractually false and fraudulent.

As I stated earlier, this was not stipulated in my contract. PNC is clearly trying to overbill me on this ; loan.

As a resolution, I would need to start receiving statements from PNC which would accurately report the actual balance owed ( {$10000.00} as of XX/XX/XXXX -- ( 13 payments of {$840.00}. I do not owe the {$8000.00} balloon payment they have added on the backend of the loan. It is pure financial theft.

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18 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: GA

Complaint narrative:
I have inquiries on my Equifax and XXXX credit report that I'm not familiar with and did not consent to, here is a list of the unauthorized inquiries : XXXX XXXX XXXX/ XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX, XXXX XXXX XXXX/ XX/XX/XXXX , XX/XX/XXXX, XXXX XXXX/ XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX XXXX   XX/XX/XXXX, XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation