vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In  XXXX  o f 2017, I  called to close my account at   XXXX   XXXX  . They were going to waive a few additional fees and submit my account for closure. In   XXXX   of  2017, I rece ived an additional bill showing that additional fees were accessed and my account was still open. I called and they said they would waive fees but I needed to call ba ck in 10-14 days to   close the account. I told them it was not acceptable and they needed to write me via email when the account would be closed. I received an original confirmation from   XXXX   XXXX  , but now they will not correspond to me via email to verify account has been closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TN

Complaint narrative:
Mercantile Adjustment Burea  u (   XXXX   )   XXXX  keeps making robo calls to my home in  XXXX , TN with a message that if we even listen to the recorded message left on our answering machine, we agree to the debt which we have never owed. They claim  XXXX  of my vehicles made  a toll road violatio n somewhere ne ar   XXXX   or   XXXX   XXXX  ,  CA. I have not even visited that area for at leas t 15 ye ars, and none of my vehicles presently or previously owned have EVER been in that area. I have sent written notifications  twice  and demanded to see any evidence ( usually there are phot os of toll road violations ),   but my written communications have been ignored and no one has ever shown any proof of it being any of my vehicles. It is an obvious mistake and these debt collection  XXXX  do n't care. They just keep harassing my home phone.   Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
( No Contract ) leg al items was verified from A third party & placed 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 2017-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In  XXXX     2017, I b egan the loan modification process with Bank of America after several months of going back and forth with several customer relationship managers I decided to undergo  the  short sale process. I spoke with then customer relationship  manager   in  XX/XX/XXXX  w ho stated that the file for pending loan modification would have to be closed as a short sale and loan modification could not occur simultaneously. My home was then listed o n  XX/XX/XXXX . I  completed a short sale packet BOA requested of me once they received notice of the listing and it was submitted the first week o f  XX/XX/XXXX . I was  then mailed a home loan assistance packet on   XX/XX/XXXX  to b e completed. My foreclosure date is schedule d for  X/X/2017 .   I  find it extremely unreasonable for the them request yet another packet to be completed and approved before the foreclosure date. I am desperate for help and I have been trying my hardest to do all that has been asked between the time the request for a loan modification was started in   XX/XX/XXXX  and  when I decided to list the property. I believe that Bank of America is not doing what the government says the lenders should do to provide foreclosure alternatives to me in a timely manner. Furthermore, I do not believe that the costumer service relationship managers failed to do what was needed to accurately inform me of the process.

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 2017-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Called Equifax and sent in driver 's license and social security card 2 time s. Information is   still not updated. I can not even view my report. The address for them to send the report is inaccurate on their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: FL

Complaint narrative:
This not my account. I have had  XXXX   XXXX  during the period this was occurred. Please remove this from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: NY

Complaint narrative:
In  XXXX  of  2016  I  XXXX   XXXX  notified  XXXX , TRANSUNION, and   XXXX   they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , &  XXXX  refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.

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 2017-05-26 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: NY

Complaint narrative:
In  XXXX  o f 2016 I   XXXX   XXXX  notified  XXXX ,  XXXX , and EQUIFAX they are reporting inaccurate information about me. This notification was sent via United States Postal Service. Despite being properly notified and having documentation presented to support my claims.  XXXX ,  XXXX , & EQUIFAX refuses to perform proper investigation and remove the inaccurate accounts from my credit report in which companies have admitted they have no record of the account or are debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: TX

Complaint narrative:
I have been put on probation at work for the continuous calls. I work for a call center and they 're constantly calling the call center getting transferred to rep to rep, looking for me which management has asked them to stop, they continue. If I lose my job because of this I want to take further action against them. Calling my cell phone is okay but harassing me at work is not.

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 2017-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Around  XXXX  I noticed that a collection agency by the name o f Choice Recovery  was reporting  XXXX  debts on my credit report. Initially, I disputed those debts with the credit bureaus as having no knowledge of the debt. Well the debt was deleted from   XXXX   and  XXXX . After several of unsuccessful attempts of disputing the debt directly with  XXXX  and requesting proof of what was actually used as verification I then reached out directly to the Collection agency. On several attempts I requested that they provided me validation of the debt, proof that I specifically and legally was responsible for the debt as well as they were able to legally collect on the debt. As of date I have received no validation of the debt or requested proof. Request were sent certified mail on  XXXX / XXXX / XXXX , and  XXXX   XXXX ,  XXXX  and  XXXX / XXXX / XXXX . Please see attached verification of disputes, and request for validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.

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 monetary relief
Consumer complaint received 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: CT

Complaint narrative:
I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.

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 2017-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After years of paying this account now the payments are being applied to interest most of the time and this is different from previously.
Also, recently I was issued an insurance check by my insurance company for hail and wind damage ( see attached check ). Wells Fargo asked me to mail the check to them. The first time I sent the check I did not endorse it but sent it overnight express. This was in XXXX 2017. Wells Fargo sent the check back to in regular mail, I endorsed it and sent it back to them express mail overnight again. The check was to me via regular mail, my signature had been stamped Endorsement Cancelled. I thought it was because I had signed twice because I am the POA for my husband nd had to sign as his agent. I deposited the check into an a shared branch of my credit union. The check was put on hold for 7 days. Then I learned it was returned because Wells Fargo had stamped Endorsement Cancelled. When calling Wells Fargo again, about the same check it had been miss-logged and was attached with our other home. Speaking to XXXX I felt as if they did not even believe they had sent the check out a second time. Especially when I asked if they made copies of the front and back of the check. Now they know they made mistakes on the processing of this check which had to be cancelled by the insurance company and reissued. But here I the kicker, Wells Fargo still wanted to hold the new check in an account and issue increments because they were misinformed as to what the claim was truly for. They were working from the standpoint of mold but the check was issued for hail and wind damage. Now we are into over a month of the back and forth with the check and still Wells Fargo Wanted to control the process. It was not until my insurance agent was on the phone and brought out the fact the check was issued for wind and hail that the process was altered. Then Wells Fargo would not allow the check to be issued without their endorsement after all we have been put through on errors made by their staff. This company has taken money from our account, take monthly payments and applying the bulk of the payment to interest versus principle and now this ordeal with the insurance check. They believe after so many errors, they can say you can now take the check into a branch and have them call us and the branch can endorse the check. No one understands how this could have cause us problems because it makes it look as if we were trying to commit fraud because Wells Fargo cancelled our endorsement on the check that was issued by another financial institute issues to my husband and me from premiums paid to our homeowners policy from funds paid by us. I feel it is retaliation because I have filed so many complaints against this company.

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 2017-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
X/XX/17 .  I went to   XXXX   XXXX   XXXX   and they pulled my credit for a payday loan. I got a alert from credit reporting agency that they informed me i had a inquiry on my credit report. Then  two  weeks lat er  X/XX/17  I went b ack to the branch and rewrite my contract and i got another alert stating that   XXXX   XXXX   XXXX   did another credit inquiry. I do n't like this idea at all .It affecte d my credit score. I was n' t informed that they would do this to my credit. I did n't see any signs in the building stating they pull credit. I called the home office in TN and they could n't answer my question. They took my name and said they will have someone to call me. I 'm thinking as a PAYDAY LOAN why would they pull my credit if they ask you for a blank check, pay stubs, bank statements, proof of address, social security card and Driver license. I do n't like how they do business here. Please help me get this resolve. Thank You In advance

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 2017-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Lincoln Educational Services Corporation
State: NJ

Complaint narrative:
I would like to set up a payment plan to pay off my loan of  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX  's client  XXXX   XXXX  is an identity theft victim. Several fraudulent applications for credit cards were submitted to various credit providers with his information without his consent. We have attempted to dispute the fraudulent inquiries from his credit report however  XXXX  has proven difficult and is currently in violation of federal consumer law and his rights.  Capital One  has been notified twice in writing of the fraudulent application and inquiry made into  XXXX   XXXX  's credit however Capital One is now advising they will not remove the inquiry even though a police report naming Capital One was provided to them. In addition  Capital One  has sent information to our client explaining to they searched their records for an account number and found no such information, when our dispute criteria clearly listed we were disputing an inquiry not an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: ME

Complaint narrative:
Company admitted to calling me 191 times.

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 2017-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: First Associates Loan Servicing LLC
State: MD

Complaint narrative:
Good Afternoon, I graduated from  XXXX   XXXX  in      XXXX   2 011    . About 6 months to a year afterwards I start receiving calls from a company called  XXXX  ' who at the time I thought was a branch of  XXXX  or  XXXX   XXXX   . I   may  have given them some  XXXX  which led me to call the  XXXX  all to be advised that they were a separate entity.     I need support due to the fact that I never authorized  XXXX   XXXX  to take Private loans out in my name. Nor was I aware that these loans were activated under my name or that they were even private.      XXXX   XXXX  reps filled out our FASFA, only time that I signed papers was to confirm that I was taking classes and to maybe to complete the actual FASFA process.     I would have Never taken out private loans.  XXXX   XXXX  as really messed me over and I need help getting out of this financial rut for choosing the incorrect school that in the end took advantage of me and what sounds like a lot others in the process.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation