vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I have been depositing checks with BB & T and every time I do so, the XXXX, Kentucky branch of BB & T puts an extended hold on my check deposits. The branch located in XXXX, Kentucky at XXXX XXXX XXXX, XXXX, KY XXXX, continues to put extended holds on each of my check deposits in violation of the Expedited Funds Availability Act. I deposited a {$700.00} check on XX/XX/XXXX using the ATM at the branch in XXXX, Kentucky, and made another deposit on XX/XX/XXXX for two checks {$700.00} and {$1300.00}. The {$700.00} deposit that I made on XX/XX/XXXX, the branch did not release those funds until XX/XX/XXXX. The BB & T branch put an excessive hold on the XX/XX/XXXX deposit for {$700.00} for no reason other than because it was for more than " {$500.00} '' dollars. 

I spoke with a person named XXXX from the BB & T branch in XXXX, Kentucky on XX/XX/XXXX, who couldn't explain why they were putting excessive check deposit holds on my account. She called me on XX/XX/XXXX and said that on XX/XX/XXXX, they were releasing {$100.00} from the check deposits of {$700.00} and {$1300.00} that were made on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and the remainder XX/XX/XXXX. She then said that they were placing the excessive holds to make sure that the checks would clear, when there was no reason to assume they wouldn't. One of the checks was from XXXX XXXX. The BB & T branch in XXXX, Kentucky is violating the Expedited Funds Availability Act by placing excessive check deposit holds on my account. The BB & T branch is engaging in unfair business practices with their excessive holds on my check deposits. When asked they can't explain why they are placing excessive holds. The XXXX, Kentucky BB & T branch employees gave me the runaround as to why they are placing excessive holds on my check deposits. First they said it was because the deposits were for more than {$500.00}, then they said that it was because the account was less than a year old, neither of those are reasons under the Expedited Funds Availability Act to place excessive holds on my check deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
Hi, Thank you for your time in reviewing my case. 

I have just been notified by XXXX that I have 3 different derogatory remark in 1 day for debt that I have 2 years ago. 

The thing is, I was not informed in any way or form that I had debt to settle and it was sent to collection. Since it did go to collection, I was not given the chance to settle the debt before it was listed on my credit report. 

I have contacted the debt collector so that I can settle the debt and have them remove the 3 separare derogatory remark in my credit report. However, they insisted on leaving the report on my account even after offering to pay their 'discounted offer ' of {$56.00} by a female agent named XXXX . 

It is not fair that now my credit is greatly affected even after I were to decide and pay that amount without giving me the chance to settle the debt. 

I have been working hard to increase my credit score for the past 6 months, this will surely hit my score and reduce my chances of getting a mortgage for a house. 

I would really appreciate it if we can work something out so that all parties involved will be treated fairly. 

Again, thank you so much for your time. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has numerous addresses, phone numbers, and versions of my name on my report that are inaccurate, outdated, or that do not belong to me. 

Reporting this information puts me at risk for fraud. I have information on the Black Web and have inquiries made by individuals who have accessed my information and apply for credit in my name at addresses where I do not live. 

Since XX/XX/2018, I have asked every month by letter that the information be removed and that ONLY my legal name, current address, current employer, and NO phone number be listed. 

Experian is violating my consumer rights to have accurate information reported. 

They are not reporting 100 % accurate information as required by Section 609.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JH Portfolio Debt Equities, LLC
State: KY

Complaint narrative:
Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX   collection agency jh portfolio debt equities

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681. 

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. 

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 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: TN

Complaint narrative:
It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681.

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application.

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified.

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Weinman Acquisition Group
State: NV

Complaint narrative:
They are calling both my mother and I about a debt saying I was going to be arrested and its being sent to the courts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a victim of a debt fraud scheme involving lines of credits funded by private lenders and fictitious borrowers who are using my name and likeness to hold me responsible for a debt I did not take out. 
On XX/XX/2014 a letter was sent to me from Chase which informs that CHASE records show that the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. I have attached the letter from Chase. 
1 ) I am requesting Chase reveal the name of the party that caused the lien release to be recorded or was it " indexed? '' in the County Registrar 's Office? 
2 ) Require CHASE to spell out the name of the borrower 3 ) Inform me if CHASE acquired a conventional loan from XXXX XXXX, XXXX? OR assumed a line of credit from XXXX XXXX 4 ) Did CHASE acquire a mortgage and convert the mortgage to an equitable instrument? When did this happen? 
5 ) Was title to real property transferred to the Trust?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
An amount of {$950.00} was charged to my credit score and sent as a collection from XXXX on XX/XX/2016. This is an account that was opened without my knowledge and/or permission. I have submitted a dispute through the 3 major reporting agencies and have yet to here a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was contacted twice by a courier service wanting to deliver paperwork to be signed by me for legal action. After the 2nd call, I contacted the company Collection Agency that requested the paperwork be delivered, XXXX XXXX and spoke to someone who was not only very unprofessional, they also threatened me and hung up on me. They provided me with the last payment date of XX/XX/2014 and the name of the company, Care Credit was suing me for the balance owed in excess of {$3000.00}. If this is a legitimate credit company, they should not only know the laws of the Statute of Limitations for the state they are collecting in but should also be professional when speaking to customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2014, Wells fargo " closed '' and account that i was unaware of for {$980.00}. A family member had taken out a credit card under my name without my knowledge or approval. i have disputed with all 3 reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TX

Complaint narrative:
I have been trying to contact XXXX XXXX since XX/XX/XXXX once I seen their name on my XXXX credit report. Everytime I called them, there is no one available no matter what time of day. I have never received anything from XXXX XXXX regarding this " debt ''. I have disputed with XXXX 4 times, all of which came back claiming that the account was verified as accurate. I contacted the original creditor, XXXX XXXX XXXX, attempting to find out more about this " debt ''. Though they have my information, they could not initially verify that the debt was legitimate. When I asked the person I was speaking to about XXXX XXXX, I was told that they ( the original creditor ) had they're own disputes with XXXX and that XXXX XXXX doesn't report debts to credit bureaus. The guy I spoke to even suggested that XXXX XXXX wasn't a legitimate company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The homeowner is dead. We have been trying to start a short sale with Bank of America for the past two weeks. There is a court-appointed executor and all authorization documents have been sent in, including death certificate, court documents appointing administrator, probate docs, and copy of the will. ( See attached authorization package submitted XX/XX/18 ) It is NOT a Trustee that is attempting the purchase the property it is a Court-Appointed Executor whom does not reside in the State of California ( where the property is located ) and does not have the legal right to assume the loan nor purchase the property. It is in Probate. 

Today we were told that Bank of America is required by Federal Law to FORCE COURT APPOINTED EXECUTOR TO TRY TO ASSUME THE LOAN. 

This is in fact ILLEGAL and NOT a Federal or State Law. 

The rep I spoke to, XXXX XXXX in Bank of Americas Assumption Dept, sent us the attached Mortgage Application and stated Bank of America has had this requirement to force the court appointed executor to attempt to assume the loan for the past four years. 

The Mortgage Loan Application makes it sound like it is Federal law that has forced Bank of America to make it a requirement for the court appointed executor to be forced to attempt to assume the loan, which is not only not incorrect, but the court will not allow the executor to assume the loan. 

Furthermore, it looks like XXXX is requiring the court appointed executor to fill out these documents with substantial personal information for the sole purpose of committing identity theft ( the executor does not live in the State of California and as we have stated, does not have the authority to become the borrower and owner of this property ). 

We request that the attempted questionable act of forcing an out-of-state executor in a probate that can not legal take possession of the property be waived. 


CC : XXXX XXXX, California Attorney General

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On my previous home refinance, Wells Fargo home mortgage recorded documents on the sales incorrectly, putting in their document the wrong page and numbers on the Deed of Release, dated XX/XX/2011. 

Per our Title Agent, the data entered by Wells Fargo was : Book XXXX, Page XXXX The correct information is : Book XXXX, Page XXXX This error by Wells Fargo is now impacting my upcoming home sale closing date. This is a mistake I was entirely unaware of, and now Wells Fargo admits the error but says it will take 20 days to correct. This error by Wells Fargo with a lack of timely correction will have a financial impact on both me as seller and the prospective buyer of the house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I completed a balance transfer of {$4800.00} on XX/XX/XXXX to a Capitol One credit card. I selected this card as it was advertised with no interest on a balance transfer for 12 months and called to confirm this was the case before completing the transfer. I have just received my first bill and was charged an interest rate of 23.74 % on the balance transfer. There is no reason I would have completed this if this was the situation explained to me as it is beneficial to me in no way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo currently has an auction date assign to my home. My wife and I are currently in a Chapter XXXX bankruptcy. Wells Fargo refuses to respond or work with my attorney and wants to proceed with the auction date. On XX/XX/2018 I contacted Wells Fargo about doing a home modification and they informed me that I was eligible for home modification. They asked us to send in our last two pay stub, last year 's tax returns, and Wells Fargo 's assistant application downloaded from their website. On XX/XX/2018 my wife called Wells Fargo to ensure they received our paperwork. She was informed that they did receive our paperwork and just needed our XXXXs. My wife fax those over same day. I called Wells Fargo on XX/XX/2018 and I find out that they have canceled our home modification because all the paperwork is blurry and could not be read. I explained that they did inform my wife that they had received the paperwork on XX/XX/XXXX. They told me that they had received the paperwork but that person did not look at it. We have sent that paperwork five times and each time they say they can not read it. They have no email address for this process. The way I am faxing these documents is through XXXX fax so there is no fax machine involved. I have attached the same documents that I had sent him to this complaint and you can see the documents are very clear. I believe Wells Fargo is playing these tactics to keep my house with a auction date so they can proceed to sell my house. I am not upside down in the value of my home and can sell for a profit. I proceeded with a Chapter XXXX so that my wife and I could stay in the house. However Wells Fargo has done everything in their power to not make that possible. Please obtain the conversations that have been recorded and you will see the malicious behavior on their behalf.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called Experian XX/XX/18 to ask why Experian was violating FCRA guidelines by displaying inaccuracies in my credit file. A supervisor at Experian " lied '' and said that XXXX answered the dispute on XX/XX/18 the same day the dispute was initiated. I asked again " When did XXXX respond to you and say the closed accounts were open ''? And Experian said XX/XX/18. Experian blatantly lied to me and said that XXXX sent an updated response when in reality that was a lie. Experian should be investigated because they got criminals on the phones lying about everything. XXXX is also criminal because they're paying Experian to lie about inaccuracies.

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