vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 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 — Was not notified of investigation status or results
Company: ACS Education Services
State: VA

Complaint narrative:
To Whom it May concern : I am writing to see if  ACS Education  would make an adjustment to an error in your reporting to the  XXXX  credit agencies. I have  XXXX  late payments on my account that date back to  XXXX ,  XXXX , and  XXXX     2014  when it happen. During that year "  2014  '' I was late 2 months which resulted in  XXXX  being 60 days late. I have an email showing that on  XXXX   XXXX   2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on  XX/XX/XXXX   before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
-XXXX I opened a brokerage account with Merrill Lynch, containing stocks and cash.
-This account has been accruing since then XX/XX/XXXX I received a letter from Bank of America Merrill Lynch stating that this account is in danger of being transferred to the State of Florida as Unclaimed Property, unless they receive documentation, not in my possession, by mail before XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I never made a payment to  XXXX   XXXX   XXXX . They are a 3rd party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never made a payment to  XXXX   XXXX   XXXX . They are a  3rd  party collector who is ballooning a debt that they bought from  XXXX   XXXX . They are also re aging the debt.

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 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I looked at my credit report and i noticed that the collection agency Williams & Fudge INC is reporting a collection account on my file for {$1900.00}. I have no knowledge of this debt and i was never sent a DV or anything. This debt is not valid and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I own a small XXXX XXXX XXXX. I have a Citi Visa Costco business card. Costco used to have Amex then the moved my account to Citi Visa. After Citi took over the account did not follow through exact terms as Amex. Right away Citi lowered my credit limit and made huge amount due immediately. <P/> In fact,  without my permission they withdrew an amount of {$21000.00} which caused me huge struggle for pay realtor commissions, employee salaries and other bills. I keep calling Citi then after couple weeks later they refund me the money. I set an amount of {$2500.00} to be withdraw every month automatically from my account so that it covers my minimum monthly payment plus little toward principal so that they wont withdraw entire amount due. Then again without my permission they withdrew {$17000.00} and put me in very stressful financial burden. I have been keep calling and after 3 weeks they refund me the money. I finally had to stop the automatic withdraw.
<P/>
I sold a land during this time and had an amount of {$10000.00} and I offered Citi to settle my account. When I proposed this in XXXX 2017 from that month on Citi without my permission raised my interest rate from 12 % to 25 % without any written consent or warning. I am trying to get help with my debt situation instead Citi making it harder to pay off my debt by raising interest rate and not wanting to settle. I have been calling every month since XXXX 2017 for a settlement offer but they keep denying it and raising my interest rate causing my balance to go up even more and more every month.
<P/>
I need help immediate and have citi offer me a fair settlement and stop doing predatory lending raising interest rate more than double without any warning or written consent.

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 2017-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX XXXX, 2017 I applied for a credit card through Wells Fargo. My application decision was initially delayed. I eventually received a credit decision by calling the automated application status line and was approved. This decision was made within 48 hours of my application.
<P/>
On XXXX XXXX, I noticed through Wells Fargo 's online portal that my new credit account had been closed without prior notification. On XXXX XXXX, I sent a message through the online portal inquiring why my account was marked as closed and was told to call and speak in person with a representative.
<P/>
On XXXX XXXX, I called and spoke with one customer service representative to learn more about the situation. Through this interaction, I learned that Wells Fargo 's " executive fraud department '' had flagged my account and closed it. I was then told to wait for a letter in the mail detailing the reason for this closure.
<P/>
On XXXX XXXX, I called Wells Fargo again to inquire more about the situation and see how it would be reported to the credit bureaus. I was told that if I still wanted the credit account, I would need to fully apply again. I was also told that this account would still be reported to the credit bureaus as opened for one month, despite the fact that I never used the account and had never even received the card for the account.

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 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Management Resources
State: TX

Complaint narrative:
Account Management Resources , LLC s ent invoice of payment and a balance of  XXXX . Marked Late the month of  XXXX /2011 and current   XXXX  2011. Account Management Resources, LLC failed to mark DISPUTE BY CONSUMER on credit reports within 30 days of received dispute. According  to Federal Law FDCPA 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The Atty. at XXXX XXXX XXXX XXXX XXXX, refuses to call or write back to me up to this point. I have repeatedly called and texted him, and his associates..!! They forced me into signing an Illegal settlement agreement that I was total against, from the beginning..!! I was told that if I did not get it signed and notarized that the Lender would not help me and foreclose immediately.! They are claiming that they did n't receive any of my necessary paperwork.!! I have sent it to them twice already and faxed to the lender many times in the pass with no reply.. At this point I believe they have been paid off and can careless if I can get my loan mod. re-instated or restructured or not! which is not fair too my Family!! I have been television for this situation! and thought it was settled.!! THE XXXX XXXX XXXX XXXX.!! They are letting the clock run out on me, on purpose.. They wont tell me who to talk to at my lender..I have called the opposing counsel, the want respond to me.. my lender say they cant talk to me, because of the lawyers ...! If this is not resolved before my sale dated I will have to file a LAWSUIT ON BOTH MY LAWYER AND THE LENDER..BECAUSE I DONT HAVE A CHOICE..!
CAN SOMEONE PLEASE SEND THIS TO BOTH XXXX XXXX/ OF XXXX XXXX CA .... NATIONSTAR MTG..OF TEXAS ...!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX - I sent a letter to XXXXXXXX XXXX XXXX requesting back up from debt Did not receive any information back Company stated they do not have enough information from me to verify debt.
on XXXX - I made a 2nd complaint to CFPB that if the company can not verify the debt to remove from my credit report immediately Company stated once again they do not have info to verify the debt.
this was still not removed I contacted the credit bureaus to remove the information since the company XXXXXXXX XXXX XXXX can not provide back up/I have no idea what these are.
The credit bureaus informed me they can not remove unless they receive a letter from the company ... ... ... This is absolutely ridiculous if they debt can not be verified and detailed back up can not be provided then removed.
The company has enough information to report to the credit bureaus each month but can not provide back up???
REMOVE IMMEDITALEY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: GA

Complaint narrative:
On XX/XX/XXXX I received a notification that there had been a change to my credit report and that there had been a decrease in my score. When I checked my report it showed me that an inquiry was reported with Transunion for a XXXX XXXX card on XX/XX/XXXX for a XXXX XXXX XXXX. I immediately contacted Transunion XX/XX/XXXX to inform them that this inquiry is in fact not mine that has been reported against my social but that it is also an inquiry from almost two years ago! The Transunion representative name XXXX in Special Handlings Department in the United States told me there was nothing that she could do to help me even though she could see this inquiry had just been added to my report from an older date and did effect my credit score. I then contacted a representative at XXXX XXXX XX/XX/XXXX following the call to Transunion to dispute this inquiry. The representative informed me that I was not in their system, that she could not even find my having an account with them and that the card or account for which the inquiry was from does not even exist!! I am very upset about the effect this has had on my credit and this situation has now put me in a position to where I can not move forward with purchasing a new vehicle. I did not apply for any account with XXXX XXXX and want this removed from my credit and would like for my credit score to be readjusted to reflect that. It makes absolutely no sense to me that an inquiry that is not mine and from two years prior can be put on my report without my having knowledge of it but that I 'm constantly being told there is nothing that can be done to remedy this. I want it off!

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 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. <P/>The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. <P/>The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. <P/>Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. <P/>I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). <P/>At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.

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 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MIB Group, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I applied for a Life Insurance policy with XXXX XXXX XXXX XXXX in response to their solicitation. On XX/XX/XXXX I received a response letter from XXXX stating that they were unable to offer me a policy because of information contained in my MIB report. Knowing full well there could be nothing adverse, I requested, per the instructions in XXXX 's letter, a Consumer file from MIB. ( MIB Reference # XXXX ) .I was particularly interested in this report because I had been denied from 2 other applications - the reasons which were not offered. XXXX was the only company that gave me the MIB contact information. On XX/XX/XXXX I received the MIB report which clearly illustrates my being denied any insurance coverage from XXXX or the other applications. On page 2 of 6 of the report : " Reporting Company Name : XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX XXXX XXXX. Under treatment, not XXXX. Information obtained from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities. Within 3-5 years of application. " The " XXXX XXXX '' was from a work related accident where I XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This was in XX/XX/XXXX. My very last visit with regard to any XXXX was to my XXXX, XXXX XXXX XXXX was in XX/XX/XXXX, at which time his record indicates all issues are resolved and no further treatment required. This entry in my records indicating a " report date '' ( XX/XX/XXXX ) clearly make it appear that is when this condition was present. Further proof that this error is still causing problems would be my appeal letter explaining this to XXXX AND then receiving their denial again of a policy because I have a " XXXX XXXX ''. They obviously did not even read my letter of explanation. So yes, I am very upset and feel this is misinformation on my record causing me to be unable to obtain the desired life insurance policy for my children 's benefit. In all fairness to XXXX they did offer to extend me the opportunity to have a complete physical and obtain a policy at a competitive rate. This is a nice offer and I may just have to take them up on it to prove my excellent health, but the fact that my file contains inaccurate information that needs to be corrected is my priority as I am sure you can appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 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: FL

Complaint narrative:
In     XXXX    2017  and   XXXX      2017  I disputed an account by mail, that was reporting incorrectly. BOTH times I received a letter stating that the account in question was n't on the credit report. Ive called only to be told that the account number that was put on the dispute us wrong. It is my right as a consumer that if an account is inaccurately reporting to demand removal. I do n't understand how I can write the account number wrong that I received off of their website? Twice? The only resolution is that the account be deleted.

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 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and thank you.

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 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: MI

Complaint narrative:
This is not my debt, I do not have a signed contract with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
This is not my debt, I do not have a signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I noticed in XX/XX/XXXX of this year that I have a credit balance of {$240.00} on my Macy 's American Express Card. I called them and requested to receive a refund for that. I was told that I should expect a check within 7-10 business day. Nothing happened for a whole month. I called back again, I heard the same thing over and over. Then they told me that they are going to direct deposit to my checking account, which has never happened either. Then I requested to at least to have my credit balance being applied to my balance on the credit card, has not happened and I also got fee charged for missing the payment. At the same time I noticed that my credit balance disappeared from my statements. The new theme is that my cash was checked. I requested a copy of cashed check which like usually promised to receive it in the mail. <P/>I talk to Macy 's credit card services at least 100 times so far, was told different scenarios and has not received my credit balance. It does not seem that they care about refunding my balance nor reviewing the cashed check story. <P/>I would like your assistance with resolving this issue and get my money back. <P/>Attached please find my personal bank account statement as well as Macy 's credit card statements.

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