vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2018, I performed a mobile deposit of my paycheck which has occurred regularly from the same company and the same checks for the past 18 months. However, the morning of XX/XX/2018 I noticed that the mobile deposit was placed on hold. Being a former XXXX and having knowledge of Reg CC, I decided to call the bank and inquire as to why my deposit was being placed on hold. 

After providing my account information and validating my identity, I asked the service representative for the reason that a hold was placed on the deposit. After a brief hold, I was told that a hold was placed because they have yet to validate the availability of funds. I informed the representative that being a former XXXX XXXX  myself I understood the ability to place a hold on a check, however, I was seeking the extenuating circumstance that lead to a reasonable doubt of collectibility of this check and cited that checks for amounts both larger and smaller than the same had been deposited into the account from the same external account which also bared the exact same signatures. So I then requested that they review the information again and provide me with a reason under Reg CC for which they determined that a hold was permissible or reasonable. 

I continued to receive the response that they were unable to immediately validate funds on a check despite additional questions such as if there was an issue with the appearance of the check or other item to which they deemed this transaction as being different from any previous transactions. 

Having reiterated the issue that they can not just go around placing holds on checks without cause and any determination to place funds on hold and asking specifically for a reason in accordance with Reg CC they refused to give a reason for placing the deposit hold. 

I then asked for and received a manager and posed the same questions and was told that they could even place a 10 day hold on a {$400.00} check if they felt like it because they can not immediately validate funds on a paper item. 

After additional futile attempts to receive the reason for the deposit hold I was ushered off of the phone. 

Based on my understanding of Reg CC, not only can the banking customer request the reason for a hold, the determining factors for placing a hold on an item must be disclosed. As I obviously never received one, here is my complaint. 

Personal Information Below -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Deposit Amount : {$4500.00} Funds Available : {$200.00} Funds Held : {$4300.00} Bank of America Phone Representative : XXXX ( South Carolina Call Center ) Bank of America Manager : XXXX ( South Carolina Call Center )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 I ran an ad in XXXX to sell a restaurant table. I received a request from a person named XXXX via text, ph # XXXX. He said he would pay me {$400.00} for table, XXXX to go to a shipper. Yesterday I received a XXXX with a cashiers check from XXXX XXXX XXXX. I deposited the check into my checking account at Chase bank in XXXX CA at the XXXX XXXX and asked the teller if there was a hold on the check or if there was anything wrong with the check. She stated there was no hold and everything was fine. The sale was then cancelled and I deposited {$1500.00} into the shippers account : Chase bank, XXXX XXXX acct # : XXXX, checking and then was asked to XXXX XXXX the remaining {$300.00} to a XXXX XXXX from XXXX AZ, ph # XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX AZ. 



When I went to check my statement this morning I learned the Cashiers Check was on hold and after calling the bank they said the check was being returned to the bank and would not payout the funds which means I lost {$1800.00}. My chief complaint is that when I asked the teller if the check was good she said it was, she never mentioned the slightest possibility that there would be a hold on it. If I was told that I never would have gone through with the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
There was a charge on my card on XX/XX/XXXX to XXXX 's XXXX XXXX XXXX for {$130.00}. My son was at the bar and they asked for a card to run an on going tab. The bartender threw my son out as he was joking with some girls and the bartender did not like his actions. My son paid his tab in cash and left the bar. There were still 2 of his friends at the bar and the bartender told them he was going to fix my son and put through a bill on my credit card for the {$130.00}. I never signed for this voucher and neither did my son and this is what I have repeatedly told the Credit Card company. I have had numerous conversations with TD Visa asking for a copy of the voucher and have been told different stories everytime. They told me they mailed me the voucher numerous times also told me they were still waiting for the voucher and finally last month I was told the vendor never supplied them the voucher and now it is too late to get it, something about needing to get it in the first 2 months. I had originally asked for this voucher when I saw it on my XX/XX/XXXX statement and have a copy of a letter I filed with the Complaints Department with TD Card Services on XX/XX/XXXX after my conversation on the phone were going nowhere which I could provide you with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: UMPQUA HOLDINGS CORPORATION
State: TN

Complaint narrative:
This company is threatening to call my neighbors and relatives and send agents to my home and my work. I have attached an email that I have received from them. They have called my sister whom do I not live with over 20 times and left dozen messages as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: AL

Complaint narrative:
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an Id theft issue and someone stole my information and have used them. 
I have an unauthorized hard inquiries on 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 explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/2011 XXXX XXXX XXXX signed a reaffirmation agreement for the mortgage on the XXXX XXXX XXXX XXXX. XXXX Ohio XXXX with XXXX XXXX  XXXX XXXX, as XXXX. The new agreement listed a balance of {$46000.00} with a new interest rate of 5.25 %. from $ XXXX@ 7.37 % this document was filed and entered in Federal court on XX/XX/2011 Docket XXXX see ( Exhibit A ). Per Bank of Americas own loan history, the bank never applied the reaffirmation agreements new terms to the old loan as agreed in court. Bank of America kept sending statements listing the old payment and balance see ( Exhibit XXXX  loan History and XXXX  monthly statements ) at that time this was a XXXX violation of the confirmed bankruptcy plan because the cram down debt listed on the monthly statements had been XXXX per the plan. See ( XXXX XXXX Claims of the confirmed Plan )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: TX

Complaint narrative:
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : Experian : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX 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 2018-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Laurens Financial Services Inc
State: SC

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I spoke with a young lady by the name of XXXX. I informed XXXX of my financial hardship which pertained to my XXXX-year-old daughter 's health. XXXX explained that I would need to speak with XXXX their office manager. Upon speaking with XXXX she stated that her company required her to notify me that my vehicle was up for repossession, how I asked my payment isn't even 30days late. Nor had I received a RTC which is required in the state of South Carolina. XXXX didn't ask me what was causing my delinquency or hardship she just wanted to discuss the money. Keep in mind at this point my account was not even 30 days behind. I was approximately 21 days past due and was calling to make the payment arrangement for the next day. After speaking with XXXX I was put back on the phone with XXXX to make the arrangement. At this point I requested that XXXX place a note on my account the XXXX was not to communicate with me again. Anyone else who needed to communicate with me could call but XXXX due to her unprofessional demeanor was not to call me. I continued to make payments to the company and have not been 30 days late. On XX/XX/2018 at XXXX XXXX. I received a text message from a number that I didn't recognize. It stated " Please call XXXX to avoid legal action. I recognized the number in the message as Laurens Financial, however, the number it was sent from was XXXX. I blocked my number and called the number from the text and found that it was an employee 's ( XXXX ) personal cell phone. Due to the stress of dealing with my daughter 's illness and constant doctors appointments, I do not need to be threatened or harassed in a demeaning manner. It is difficult enough for me to make these payments without feeling like I am or being treated like I am XXXX  or trash. These practices are inexcusable and should be taken seriously. This company is using threat tactics and personal cell phones to communicate with customers. I have found under the CFPB and also the South Carolina Department of Insurance and Consumer Finance that these practices are illegal and a violation of my consumer rights. Please help me avoid these unfair practices. I have the text message saved in my cell phone and also the digital memo of the date requested for no contact from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
In XX/XX/XXXX I certified mailed a dispute letter to Ford Motor Credit /XXXX  to dispute a account that was showing up on my credit report. I have attached my initial letter, the copies of the signature card information from where their company had signed for my letter dictating all that I was disputing, and began the clock of 30 days to place disputed remarks of my dispute on my credit reports. The only response I got was from them mailing a copy of a electronic contract with e signatures, and bill statements saying they verified the debt. There are many violations that I will be submitting in a court of law, as well as laws that the company broke in not upholding the standards set before them from the FCRA, and the FDCPA. I have pulled my credit from all 3 credit bureaus and have attached the proof for you to examine that the credit reports are time stamped 31 days after they signed for my letters, and one of the major violations they totally neglected to do is mark my account as disputed on my report, and/ respond with court approved documentation within the time frame with verifyible documents that would hold up in court that the debt was in fact my debt. I demand that they remove the debt reporting to my credit report immediately, and that you as well as the attorneys general offices, and BBB hold them accountable for the noncompliance of these said violations and laws that have been broken. I want it removed, and it is my rights. My letter clearly explained what I would do if they did not respond accordingly. I have a well documented case and have all intentions of taking care of it legally if they do not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : SAFCO  Account Number : XXXX Date : XX/XX/2015 Amount : {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
My income was decreased because of my work hours being cut back. I have been struggling with my mortgage payments for the last few years and I have excessive late fees from being late. 
I've recently requested a mortgage modification.Submitted financials and the modification request to my mortgage company Mr. Cooper. My mortgage sent letters that say my mortgage has been sent to a collection agency. I don't want to lose my home I want my modification request to be processed. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
Something is showing on my credit report with a company named Financial Accounts Services for what appears to be some type of apartment complex named XXXX  XXXX. I never lived at that place and they continue to report this false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
This complaint is in reference to a former CFBP complaint I submitted that is now closed without resolution : XXXX. The company did not resolve my issue and in my response to their response for the previous complaint, there was no option to upload additional documentation to dispute the company 's reason for denying my complaint. 

The company referenced only a 12 month option provided by XXXX, when I have provided documentation that I was on a 24 month spread out plan. The letter they referenced for the 12 months is a general automated letter that I receive after each escrow evaluation from XXXX. In this case, I have always called in and requested it be spread out by XXXX over 24 months. See attached which shows a general letter mailed to me with the 12 month option, then a follow up letter showing the 24 month granted by XXXX. Prior to the transfer, I had already asked XXXX ( in response to the general 12 month option ) to spread it out again over 24 months. They agreed and submitted the request as usual. Unfortunately, before the process was completed again, XXXX XXXX assumed XXXX XXXX accounts before the 24 months was extended for this new term. XXXX XXXX needs to reference the documentation I have attached to this complaint showing my history with XXXX of payments being spread over 24 months in response to the 12 month initial offer. As a consumer, I have the right to the same processes as XXXX allowed me, not new rules with a percentage that XXXX XXXX has that is obviously different that what I have been allowed with my previous lender. I will continue to fight for my right to have 24 month spread out as I was with XXXX even if I have to take this to court and present proof of this. I am not willing to refinance. I want the same option I had before coming to XXXX XXXX. I am just now getting caught up with my finances after this new home purchase and can not afford this new rule XXXX XXXX has that XXXX didn't have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: NJ

Complaint narrative:
I have paid too much interest, i have made about {$2000.00}. for a XXXX loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX XXXX : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX, TX XXXX XXXX XXXX  XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Transunion : Delete : XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX. # XXXX, XXXX XXXX, TX 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 2018-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously disputed with the credit bureaus to delete inaccurate information that is reflected on my credit reports. To date, to no avail. The following information should be deleted from my credit reports : XXXX  : Delete Also Known As : XXXX XXXX Delete Addresses : XXXX XXXX XXXX, XXXX XXXX, TX XXXX & XXXX XXXX XXXX. XXXX . XXXX, XXXX, TX XXXX Equifax : Delete : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX  : Delete : XXXX XXXX  XXXX  XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX. # XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My husband and I had a loan from Wells Fargo bank sometime around XX/XX/XXXX to XX/XX/XXXX. I never missed a payment and I was never late with a payment. I paid it in full and had a XXXX  balance. I moved from XXXX to XXXX in XX/XX/XXXX and decided to close the loan. Wells Fargo charged me {$160.00}. They refused to close the loan unless I paid that amount. I paid the {$160.00} because I didn't want anything to do with that bank. I don't believe that was legal but I don't know for sure. I had never heard of having to pay a price to close an account. I no longer have the paperwork involved in that transaction but I am submitting this complaint because I want it on the record. I feel I have been ripped off by those cons.

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