vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
XX/XX/2019 A while back, I lost my wallet. It fell from my opened purse. I attempted to cancel my bank card that same night, well before unauthorized withdrawals appeared on my account. However, the office was closed and the automated phone banking line, continued to tell me to call back during office hours. I called as immediately as someone became available. The card was cancelled and the fraud claim was made. It took them 2 months to reverse the charges ( {$200.00} from nearby gas stations ) and release my payrole check, that I trustingly deposited. And another month to reissue my card. A 3 month ordeal. My claim was denied. I was made to go and get a " police report ''. And even after that my claim was denied again! 
I had prepared myself with letters and names and addresses of bank upper management personnel to fight my case. But first I decided to take the matter to the branch manager. 
After a lengthy discussion which included a claim of discrimination, she said she would get all of the information to the correct person. And that there would be results forthcoming. I am a XXXX original customer. 
After that episode, an even more terrible action was taken against me. My business account that I had for 10 years was closed. My account became overdrawn due to overdraft fees. I have been buying XXXX  XXXX  on line and I noticed a charge that I didn't recognize at the time. I reported it to the bank. I never heard any information regarding the claim after that. I basically believed the bank would halt the overdraft fees till the investigation was completed. They did not. Nor was I ever notified of there decision. 
I eventually went back to the back and complained to XXXX XXXX. She called the fraud department and they told her that it was a cash back transaction using a chip and it was denied. This they never informed me of. When she mentioned cash back, I remembered that I was on my way to pay a mechanic. I told her that immediately on hearing it. However, even as I was making regular payments to the negative balance and only one day after the last payment that I made on the amount, my 15 yr. account that I had maintained with XXXX before it was taken over by first citizens, was closed. 
She told me to pay the remaining {$19.00} and my account could possibly be reopened, or another one. I put the money, ( {$20.00} ) in the night drop addressed to her. I have not heard back from her. 
Enclosures : 3 Thank you XXXX XXXX XXXX Aka XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After contacting original creditor over 3 months ago I sent notification to Experian that account : : XXXX XXXX is considered as Unverifiable and inaccurate because original creditor has not responded to my validation 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 explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: MI

Complaint narrative:
I've submitted multiple times requesting debt validation from both H & R accounts as well as XXXX. XXXX  continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from XXXX  advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

H & R account has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted to add an authorized user to my XXXX XXXX credit card. A representative from XXXX XXXX informed me that the user could not be added since Experian could not confirm my phone number. However, XXXX XXXX is well aware of my phone number as I have been a customer of 18+ years with the same number. I may have been a customer before the representative was even born ... I was informed to contact Experian to request my phone number to be updated. XXXX XXXX claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called Experian twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The Experian representative would say " hello, how can I help you? Hold on '', then hang up on me.

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 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I've submitted multiple times requesting debt validation from both XXXX XXXX XXXX XXXX  as well as Experian. Experian continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from Experian advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

XXXX XXXX XXXX XXXX  has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited

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 2020-03-19 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: FL

Complaint narrative:
I am a victim of identity theft. Upon checking my credit report I noticed a few fraudulent accounts that were listed. I've listed the names of each company, the date it was opened, and the balance owed on the account. I need the companies to please remove these immediately. 


XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX/XXXX  XX/XX/XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 I contacted capital one regarding a XXXX statement balance after I paid off the account balance before my statement date. I spoke with XXXX who told me that she was the highest person I was speaking with and that whatever she said goes. I asked where the XXXX came from at first she informed me that the balance was on purchases from the previous month I asked what purchase was made she informed me none but they were charging me for an interest that was on my account from.last month. You are not allowed to charge interest on top on interest. She did inform me that I did not have a principle balance from the previous months statement burning order for my balance to be pd off that I would have to pay 2 statement balances in a row off not to be charged interest anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$6500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$24000.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have attempted to add an authorized user to my American Express credit card. A representative from American Express informed me that the user could not be added since XXXX  could not confirm my phone number. However, American Express is well aware of my phone number as I have been a customer of 18+ years with the same number. I XXXX have been a customer before the representative was even born ... I was informed to contact XXXX  to request my phone number to be updated. American Express claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called XXXX  twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The XXXX  representative would say " hello, how can I help you? Hold on '', then hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
I incurred a medical debt on XX/XX/XXXX with XXXX XXXX XXXX XXXXXXXX XXXX The debt was sold off to Financial Recoveries and I received a collection letter dated XX/XX/XXXX in the amount of {$330.00}. 

I responded within 30 days by sending a certified and regular dispute letter to Financial Recoveries on XX/XX/XXXX. ( Please see certified return receipt and the attached letter to Financial Recoveries. ) Financial Recoveries still reported the debt to the credit reporting agencies, and after speaking with them today, XX/XX/XXXX, they are unwilling to remove the collection account from my credit report. I informed them that I would be filing a formal complaint and/or hiring a lawyer to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has indicated that I made multiple fraud claims over a short period of time and have decided to close my VISA account on XXXX. However these events happened through in the past couple of months happened through no fault of my own, I've promptly reported the damages to Chase in a timely manner. I'm grateful for Chase ' Zero Liability Protection but I it appears that I am now punished for something outside of my control while being the victim in this scenario. I'm beyond stressed out because this happened out of the blue with no prior notice and this credit line is suddenly being closed. I have since contacted their Fraud department but they were unable to assist me further indicating the decision is final.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been enrolled in Public Service Loan Forgiveness program since XXXX and the U.S. Department of Education/Fedloans.org will not tell my how many qualifying payments I have made. I worked for the XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX as a XXXX and since XX/XX/XXXX as a XXXX XXXXXXXX XXXX, my loans are Federal Direct loans, I am in an Income-Contingent repayment plan and my employment is certified every year. I meet all of the requirements but their customer service repeatedly told me I had no qualifying payments. After my last inquiry, I emailed customer service again in XX/XX/XXXX and asked why. I received a reply that they needed to conduct a manual review but to continue making payments and they would get back to me. I finally received a " reply '' today which told me nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX, my husband reapplied to refinance a home equity loan for {$80000.00} - he was rejected and as he and Wells Fargo argued over the rejection he refused to pay the current loan. In XX/XX/XXXX Wells Fargo foreclosed on our {$400000.00} home for {$80000.00}. After much trouble, it was reversed in XX/XX/XXXX. In the meantime, Wells Fargo seized our banking accounts ( in excess of {$100000.00} ) and our safety deposit box. After continued back and forth, we finally received a letter XX/XX/XXXX stating they would release our funds and deposit box. As of today XX/XX/XXXX, we have not received our funds. 

I am a XXXX XXXX who works with XXXX XXXX XXXX with XXXX XXXX should I contract the XXXX and can no longer work I will not have funds to cover our expenses while awaiting XXXX. I am desperate to get access to our funds. We have been in contact with a XXXX XXXX XXXX but so far no funds have been released.

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 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX Dear XXXX, XXXX, I am responding to your regarding this debt that I was never contacted about. On my credit report it says I opened this account on XX/XX/2020 that I never opened any XXXX XXXX Account. I have not had cable in a very long time. 
I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have  already done so ), also report that the debt is disputed. Delete this account that is not mine. Also, why would you make up dates is that illegal according to the fair credit reporting act? 

Thank you for your cooperation. 

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 explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the night of XX/XX/XXXX, we had two debit card charges of {$5.00} and {$15.00} hit our account, as well as an XXXX XXXX charge of {$100.00}. Additionally, we had an automatic transfer occur for {$100.00} that automatically sent {$100.00} from our BB & T checking account to our BB & T savings account. This same night, we also had a direct deposit of {$1300.00} hit the checking account as well. What BB & T did was to arrange the debits in a way that caused the checking account to go slightly negative for a brief moment in order to charge us an overdraft fee, and then they applied the direct deposit to the account, bringing the account positive. Aside from the fact that they stacked the debits and direct deposit in a way as to cause the account to briefly go negative, I think its criminal that they should even charge overdraft fees for an overdraft caused by an automatic transfer of money from one account at their institution, to another account within their institution under the same customer name, but thats beside the real point here. At the end of business day on XX/XX/XXXX the account was in the positive, and at the beginning of business day on XX/XX/XXXX, it was also in the positive. BB & T has refused to fix the issue.

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 2020-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-03-19 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX ( deceased ) & Executive of the Estate : XXXX XXXX XXXX with the Property XXXX XXXX XXXX XXXX, MA XXXX ; paid in full Loan # XXXX with Ditech Financial LLC ( " Ditech '' ) listed at XXXX. XXXX XXXX XXXX, IL XXXX with XXXX XXXX XXXX & XXXX XXXX XXXX 's XXXX XXXX Checking Account ending in XXXX in the amount of {$17000.00} on XX/XX/2019 after the Quitclaim Deed was recorded at XXXX County XXXX Registry of Deeds Book XXXX Page 27 on  XX/XX/2019 at XXXX. 

Ditech send the Escrow Overage Check to wrong address on file, to the heirs residing at XXXX XXXX  XXXX XXXX, MA XXXX, made payable to the deceased XXXX XXXX. The heirs notified me, XXXX XXXX, of the check and a call was made to Ditech Financial LLC concerning the error ; a stop payment placed on the check. After eight phone calls, and multiple hours of conversation, and sending over the requested documents proving acting executive of the estate and ownership of the property ; Ditech continued their dishonesty in regards to sending the final statement, note of the property paid in full, closing letter, and escrow overage check. 

Multiple times I was told by a Ditech Financial LLC customer service agent and Ditech 's supervisor on a recorded line that the check was mailed to my address on file for the property of XXXX XXXX XXXX, only to be notified an hour later that it was not mailed because more information is required. 

Ditech 's requested documents were send immediately by myself, XXXX XXXX, via email, multiple times per request. Ditech Financial LLC continued to not follow-up by any means of communication despite being told by their supervisors, that they would follow-up with this issue in a timely manner! 

Ditech Financial LLC has failed to provide any tracking information ( even when I offered to pay for certified delivery ) for the final documents and escrow check to be mailed by carrier of their choosing. Nor could Ditech Financial LLC verify that any documentation owed or checks owed were sent after the original. 

Over a dozen times I have called Ditech Financial LLC concerning this issue on both their recorded line and mine. Ditech Financial LLC has not delivered on their promises, and have since claimed bankruptcy and diverted all of their assets. I feel their intent was to never mail me the monies owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation