vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 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:
On XXXX XX/XX/2019, I requested BB & T Bank close my banking accounts and transfer my full remaining balance to XXXX XXXX. I received a confirmation email on XXXX XXXX that said my checking and savings account were properly closed and the wire transfer to XXXX in the full amount of all accounts was completed. 

On XXXX XXXX, I received a notice from BB & T that my account was overdrafted from a pending transaction and received an overdraft fee of {$36.00}. I spoke with BB & T about this matter, and they assured me a mistake was made on their behalf in leaving the account open and they canceled the overdraft fee. Furthermore, I paid the remaining balance from the pending transactions on my accounts and was told that all accounts were officially closed ( for a second time ). 

On XXXX XXXX, I received a letter from BB & T notifying me that I owed {$.00} -- " charged from interest '' -- and my accounts still were not closed -- despite the facts that I had been told on two separate occasions that they were and that I had paid my accounts in full on XXXX XXXX. 

BB & T refuses to conduct any of the account-closing measures over the phone, forcing me to come in person to close the account. 

BB & T 's failure to close my accounts and cooperate over the phone constitute harassment for moving business to a rival bank. BB & T has lied twice about closing my accounts and failure to do so has cost me time away from work and family and has made the transition from one bank to another as difficult as possible. BB & T 's employees are not helpful, have been rude with me over the phone and in person, and refuse to close my accounts as a punitive measure for moving to another bank.

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 2019-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
On XX/XX/2019 I submitted all the correct forms and documents for my Income Driven Payment Plan including my tax return and pay subs which were all up to date and printed clearly. At XXXX this morning, I received a statement that the documents were not properly sent, the information was illegible and that I would have to file again. But when I called today at around XXXX XXXX, a service representative said that this time I could just write down my gross income on a blank piece of paper, in my own handwriting, send that in and it would be accepted ... They're going to take my word and a signature on a piece of paper to officially verify my information as an official document for my payment plan. When I asked if I could send it in the mail officially, the service representative seemed hesitant to let me do that. They are purposely prolonging the period so that I will have to pay the full amount. They are almost completely impossible to get a hold of. Whenever I send in documents like my name change and official documentation for that, they either claim that they didn't receive it, or it was ineligible. They have still not updated my name change, even though I have submitted that in early XXXX. 

I am tired of submitting the same documents, which are faxed clearly and are marked as received from my fax machine, only for them to say that they are processing my return two weeks later, and then replying that my loans have been denied for the same information two weeks after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Issue Debt collection to : XXXX XXXX regard to : Credit Collection services Creditor : XXXX XXXX   Account Ending : XXXX ( Joint checking account ) Primary Holder or Co-Applicant Holder File Number : XXXX XXXX Date XX/XX/19 Amount : {$300.00} Remarks : This typical checking account always occurs a negative balances which nowhere of usage and declaration correctly from Institution.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), Equifax ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX-XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX-XXXX  XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. Equifax at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to Equifax was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CA

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to Experian ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and XXXX  ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not  recovered. XXXX at the time XXXX/XXXX reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. Experian at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX/XXXX  reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX/XXXX reported to XXXX was XX/XX/XXXX. XXXX/XXXX is still reporting and ruining my life. The current Experian report does not reveal the last date reported. XXXX 's website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if XXXX/XXXX  had not committed this error. All I know is the XXXX/XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

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 2019-06-25 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: NY

Complaint narrative:
Hi, I am a victim of a transunion Inquiry issue where they had removed all my inquiries and then readded them into my account with no notice, I tried to resolved this issue with them over the phone but they were no help and told me they couldnt help 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 explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX of 2019 about XXXX XXXX I got home from work and I knew my XXXX XXXX bill was due and could not find the bill. So I used the previous months bill to call in a payment. The recording told me that my balance was {$56.00}. I used my debit card to pay the total balance that I owed. I did not think to look at the mail in XXXX because I made no purchases and knew I paid the bill on the date it was due in XXXX. I did look at the mail from XXXX XXXX in XXXX which showed two late fees when I paid the total balance due on the date it was due in XXXX. I called the phone number on the bills and finally got a hold of a customer service rep. The rep said I paid the bill too late in the day on the XXXX of XXXX and because of this when they finally took payment from my bank on the XXXX of XXXX they charged me the {$25.00} late fee in XXXX and another because I did not pay that XXXX late fee. I was furious, and instead of using profanity I told the rep to close my account and hung up. I got a bill today where another late fee was added and am very mad. It would be one thing if I paid the bill after midnight and I knew I was late, but I paid the bill on the XXXX of XXXX, I called them and the automated system did not tell me I was late. So paying the total balance I owed there should be no late fees applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was receiving multiple calls from an unknown number, always with my shared zip code. They left vague pre recorded voicemails, didn't leave a company name or what the call was regarding.When trying to calling the number back it was disconnected, finally on XX/XX/XXXX I was able to answer the call. A woman answered ( still didn't state the companies name ) verified my name ( my maiden name named changed in XXXX when I was married ) and told me that she is processing a claim against me. She said I opened a credit card in XXXX and that it was in default. I told her that is impossible, I did not open a credit card in XXXX. She told me it was a Citi bank world gold mastercard and payments had been made, she read off an old address of mine and my current drivers license number. She also told me the last four digits of the supposed card number, last four of my social security number and told me my current employer. I did NOT give her any of my personal information, but she knew all of it already. I got very panicked as I thought someone had stolen my identity, I told her as much and she was firm in telling me if someone had stolen my identity they would not make payments. I told her that I had filed for bankruptcy and it was discharged in XXXX, she again told me this credit card was opened in XXXX and payments had been made on that card. She said the amount owed was over {$7000.00}, and she was giving me a chance to rectify the situation. I asked her if that information would appear on my report report, she stated no she hadn't processed it, so it would not appear on my credit report. She gave me her first name ( XXXX ) last name ( XXXX ) and her direct number ( XXXX ) to call back once I figured out what was doing on. I pulled up my credit reports, nothing on those. Called Citibank no account found, and got in touch with FTC. I also looked at my bankruptcy paper work and found a credit card that was financed through citi bank, the account number was one digit off from the last four card number she had given me. So, I called her back today to let her know that her information was wrong, no credit card was opened in XXXX and that the debt was charged off in a bankruptcy. She became irate told me that no, I was in fact wrong, and that she will move forward with processing this claim and that I would regret this. I told her I needed her companies name and address to give to my bankruptcy lawyer she hung up on me. I called back several times, she hung up and threatened to file harassment charges.

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 2019-06-25 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: S&S Physician Services, Inc.
State: TX

Complaint narrative:
ftc violaton reporting debt that is not mine sent police reports decades ago Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX  Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX, MA, XXXX Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX XXXX, XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX, XXXX, TX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To whom it may concern, I have paid XXXX XXXX ( through comenity bank ) on time every month. There were always strange changes on their statements that I didn't question because I had the intention of paying the balance in full prior to my XXXX statement. As an example ; " the balance subject to interest rate '' changed sometimes ( There was only 1 purchase on this account ). I was told upon opening this account that I would be allotted 6 months from my first statement to pay the balance off. That would be my XXXX statement ( which is still not generated online ). The first statement was dated XX/XX/XXXX, and states " XXXX XXXX XXXX '' meanwhile I actually bought the item in XXXX XXXX XXXX. I've never been to XXXX XXXX so I may even be due back money seeing as XXXX Lempira is equivalent to XXXX of US dollars. I'm not sure why this purchase actually shows as coming from XXXX XXXX. Possibly to benefit the business ( Just an assumption ) seeing as there is a major currency difference. Additionally I logged in to my online account today. XX/XX/XXXX between XXXX and XXXX and selected the option to pay " Total balance due '' and issued a payment of {$630.00} USD which should have cleared all balances on my account. I called this evening to close this account as I didn't want this company on my credit report any longer, and was told that the company showed I had interest charges exceeding {$100.00}. ( These charges are not accurate, and they were posted to my account after I paid off my balance in full ), Mysteriously they appeared thereafter the final payment was put through. I would like this to be looked into please seeing as I haven't even received a bill for XXXX as of yet, and I additionally selected the option earlier today to pay this balance in full. Approximately 4hrs later I'm being informed of additional fees after attempting to close the account, meanwhile this afternoon the website showed a {$0.00} balance. This seems extremely unprofessional, and somehow fraudulent. 

Please let me know if any additional information is needed from me, Thank you for your time looking into this discrepancy, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Ive ask Wells Fargo to take XXXX every two weeks out of my pay check. They always get the first payment correct then 2 weeks later they only withdraw XXXX. This is not what I asked for 2 months in a row. Both times the said they would fix problems.

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 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have a collection account listed on my credit reports by a collection agency, Diversified Consultants, collecting on behalf of XXXX. Diversified Consultants is NOT licensed to collect in the state of Maryland and therefore I am disputing this collection account. 

Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2019 I made a deposit into my chase bank personal checking account in the amount of {$20000.00} I waited the 10 business days it takes for a deposit of that size to clear and post to my account which it did no problem however as soon as the money posted to my available balance my account was locked and ultimately closed for whatever reason Im not sure ok fine not the problem its going into XXXX now and I still havent received my funds and after speaking with my personal banker I was informed that indeed a check had been made but theyre refusing to send it to me and I feel like theyre discriminated against me for my age or something Im not sure what the problem is because I also had a business account with them that was closed the same time with {$17000.00} in it and they didnt have any problems cashing me out the entire amount in the branch however I still havent received my {$20000.00} from my personal account even though I know a check has been made theyre essentially refusing to give it to me going on a month now without my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
XX/XX/2019 date of notice received by mail from CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fictional debt owed to a XXXX firm {$8.00}. Yes XXXX dollars and XXXX XXXX cents.

Company response to consumer: Closed with explanation