vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: VA

Complaint narrative:
This is in reference to my inquiry which I have discussed with CFPB contact XXXX XXXX a few months ago regarding my car loan. 

Inq # XXXX with XXXX I am faxing the original payment stub on monthly payment which should have been {$450.00}. 

However, PNC has been historically exploiting me adding extreme late charges adding first couple of years for an additional amount {$24.00} & subsequently {$36.00}. 

I have paid off all the payments last month on the original agreed contract amount but they have {$2300.00} on top of the penalties I paid monthly and not surrendering my title. 

Now, they are adding more compounded late charges on the amount which I shouldn't be even paying. 

I have contacted their executive office but they are arrogant and not being fair, instead they said CFPB can not interfere on their business or CFPB can not do anything on their business practices. 

I am attaching the payment stubs and evidence of dishonest penalty charges in the name of late charges. This bank has been practicing a cruel predatory lending by offering car dealers on bulk used auto loans from the dealers and changing like bait and switch style adding penalty charges. 

I request CFPB to review and take stern action against PNC bank 's penalty model that they use very dishonestly in order to generate revenue victimizing customers on loans offered for auto or others. 

Thank you and regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Hi there, On Thursday, XXXX XXXXI used the XXXX app to transfer funds ( {$170.00} ). When I was placing this transaction I obtained an error through the XXXX app and the funds were never received by the recipient. I went to the XXXX app and there was no record of my transaction, but the money was still drafted from my account. On Tuesday, XX/XX/2018 I called my bank ( The local federal credit union in XXXX, TX ) and they stated that the transaction actually posted and was not a pending transaction or authorization. I then reached out to XXXX customer support and they informed me that the transaction failed and that they money should have been returned to my account. I then spoke back with my credit union and they told me that was not the case, that it was actually debited to my account and that there was no way to cancel the transaction, that it completed. After that, I spoke back with XXXX, this time on conference call with my bank. XXXX informed my bank that transaction failed and the money shouldn't have been debited from my account. My bank followed with that transaction did complete and there was no way to return the money, without XXXX issuing a credit. After about 15 minutes of back n forth conversation the XXXX representative said she would need to call me back after they looked further into it. I didn't receive a call back in what I would consider a timely matter so I called back. This time I was transferred to Tier 2 support where I was told the same things I had been told before, just in a more educated way I would say. The XXXX representative told me she would reach out to my bank and contact me within 48 hours. Thursday, XX/XX/2018 I call my bank and there is no record of anyone from XXXX calling them or any credits, so I reach back out to XXXX. I'm now told that, they don't contact banks and the funds should be returned to my account in 14 days. XXXX says they don't know where the money is and can't offer me any real solutions or even answers. I'm just exhausted after all the phone calls, waiting on hold, and even been hung up on. I hope there is something you can do Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: DISCOVER BANK
State: VA

Complaint narrative:
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone DISCOVER, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to DISCOVER to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, XXXX, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because DISCOVER has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that DISCOVER refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with DISCOVER and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to DISCOVER indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to DISCOVER to the address listed on my credit reports. Discover responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to DISCOVER offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, DISCOVER refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that DISCOVER is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless DISCOVER can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
After Capital One held a deposit of a cashier 's check for over two weeks, I decided I no longer wanted to do business with this bank. On XX/XX/2018, I called and waited on the phone for over 30 minutes to speak with someone to close the account. After another 15 minutes of waiting and going back and forth with three different representatives, I finally spoke with someone and closed the account. I was assured that the account was closed and the money would be transferred to my external account at XXXX  XXXX XXXX XXXX. 

Fast forward to today, almost a full week later and the account was still open and the money wasn't transferred to XXXX XXXX XXXX XXXX. I called Capital One again and waited another twenty minutes while being passed back around again. A supervisor came on finally and told me the account hadn't been closed! I was stunned and quite angry. Not only had they NOT followed through on the request to close the account a week earlier, they had not bothered to try to contact me to let me know there was a problem! This whole thing would have just dragged on without me knowing anything about it had I not called them again. 

The supervisor said I could close the account and they'd mail me a check for the balance. I reminded them that I had linked the XXXX  XXXX XXXX XXXX account and wanted the balance transferred there. He said they couldn't do it as the linked account was removed by them. What?? Why on earth would they REMOVE an account I had linked? Both accounts were under my name and I had previously done several transfers. Now Capital One was deleting this account and holding my money hostage! How can this happen?? Is this what America 's become?? A place where banks can do such things without any oversight or fear of repercussion? 

The final insult was the supervisor telling me I could go into the account I had believed was closed and re-submit the details of the XXXX XXXX XXXX XXXX again and then, at Capital One 's leisure, they'd do two small deposits to be confirmed so they could validate the account. Only then would I be allowed to transfer the money out of the account. Or, I could close the account AGAIN today and they'd send me a check, at their leisure, for the balance. This would likely take another TWO WEEKS! I've been at this with Capital One already for two weeks plus and now they pull this move. 

Who will stand up for consumers against the power of big banks like Capital One? The CFPB used to stand for the American people when banks tried such stunts. I'm not sure they do any longer but I'm writing this in hopes that I'm wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dunlap Gardiner LLP
State: GA

Complaint narrative:
This issue is just not sitting well with me due to the attorney 's collection tactics.My spouse and I have divorced. However, former spouse obtained marital property to include paying mortgage, taxes, insurance, and home owners association fees. Earlier this year, out of the blue I received a judgement of garnishment in the amount of XXXX that was filed XX/XX/XXXX via the county court. Of course, when I received I became worried and did not want a garnishment to go to my employer. I was advised that the home was being refinanced. I immediately got the funds together and took the funds to the attorney 's office handling the collection. Mind you, I have never received any notification that the home owners association was past due. I had not lived at the marital address in four years. However, I can receive a judgement that my wages were being garnished. Next, on XX/XX/XXXX I received another court judgement that my wages were being garnished which was filed in the county court on XXXX XXXX.Again, I had never received any notice of this debt being passed due even after the XX/XX/XXXX judgement. I requested validation and the lawyer sent me a ledger from a business called XXXX which is not the HOA organization. I went to court to argue that I never received any thing in writing and the ledger to did not look legitimate. I spoke with XXXX who represented the attorney 's office prior to meeting with the judge. I explained to her my concern and frustration of the above that your company can send me a notice to garnish my wages but can not send me any statements of the charges past due. XXXX advised that the mailings were going to the marital property since XXXX but still could not explain why I can receive a judgement to garnish my wages at the address I have been living at for the past 3 years and that I never got the chance to address the issue or try to pay the debt. XXXX suggested that I contact the office to make some arrangements to pay the debt. I called the office after leaving the courthouse and called the office. Spoke with XXXX who advised that she would send my proposal to the HOA and call me back on XX/XX/XXXX. However, she never called me back. I am appalled of this type of collection tactics of using wage garnishment for consumers who have not received and documentation or made aware of past due collections without given the consumer an opportunity to try and make restitution with the property owners association.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was sent a wire transfer for XXXX but they only deposited {$340.00} which short changed me by 20 % and was a retaliatory act for me being forced to file multiple complaints against them for other issues.

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 2018-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I received a court summons on XX/XX/2018. I immediately called the law firm representing the debt collector in order to establish a payment plan for the debt. I made my first payment that very same day. 

During the phone call, I was concerned about the continuation of this lawsuit and a judgment being held against me for the debt, so I asked the representative on the phone if I should answer the lawsuit or not, and she advised me to not file an answer, since I just agreed to pay monthly. 

I offered a settlement via email to the law firm two weeks ago of roughly half the amount of the debt and it was never answered. 

I just called the court today ( XX/XX/2018 ) to confirm the lawsuit was dismissed, and the court confirmed that the law suit in fact had NOT been dismissed and I only have one business day left to submit an answer to respond to the law suit. 

I called the law firm today as well ( XX/XX/2018 ) right after and inquired about my debt, the law suit, and if they would be willing to submit a voluntary dismissal because I am making monthly payments and have agreed to pay my debt. They refused and repeatedly stated they want a judgment from the Court against me. I am unsure wether or not my monthly payments are actually going towards my debt, or if my payments are being made in vain. 

The law firm did offer a letter stating my balance of my debt. That doesn't help me and still doesn't explain or confirm what the law firm will do once my debt is paid. 

I wanted, in writing, an agreement with the law firm and their client, to dismiss the law suit in exchange for me making monthly payments, and they said they would not do that. The representative also stated that the lawsuit will remain open and that they will continue to pursue the judgment wether I make the payments or not. I don't know if they have updated my balance with the court after making my first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This company pretended to be Chase Bank, I don't associate with the bank because I have my own bank. These people where either XXXX  or XXXX   that had sent me a text message and gave me a call on the XXXX of XXXX around XXXX in the afternoon. They asked how much I needed and ask for account information as well. Little did i know I had fell for the scam, because they always mention you need to go to local stores so that way you can purchase a XXXX XXXX card with sending photos of the code on the back as well of the receipt to collect information to keep money to themselves. I asked when will i get my loan, but they said that I had bad credit and that ill need to pay XXXX cash for a card in order to get it and then another one cause there will still errors, i didnt pay the other XXXX cash, and decided to call the actual chase bank and it turned out to be a fraud. They use the Government as their cover up with the reasons i can get loans and that I also was approved by a grant by the government. They are rude and have bad attitudes as one had called me poor cause i dont have the money to purchases for frauds like them. Overall invested XXXX dollars to them being so naive, because I was in depsreate need to provide for my fiance that is pregnant and not having a place to stay and for them to lie when I called them, i heard laughing and them getting quiet when I caught them in a lie. I want to sue them for leading me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
transunions report to the other two credit company saying there a police report saying my address is fraud which i never had done. 

i upload documents of my passport, my rental ledger which shows my address and how much rent owe and my credit card statement which shows my address.

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 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: VT

Complaint narrative:
Rocket Mortgage ( Quicken Loans ) charged me {$500.00} for my consent to proceed 3 days after I applied. They changed the loan amount from {$81000.00} to {$86000.00} without my knowledge or approval. Are they allowed to do that? Can I get that back?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: VA

Complaint narrative:
Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, Equifax, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.

Company response to consumer: Closed with non-monetary relief