vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was denied a copy of my credit report due to a vehicle, I have no knowledge of. After I tried to pull my credit just last week I found that I was being sued for XXXX for a car wreck I am assuming. I tried to let the company know I have not filed a claim nor have I owned a vehicle in quite some time. I have purchased and sold cars but lease one never. Please help me get this rectified, it is keeping me from getting a job.

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 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: MD

Complaint narrative:
BBT BUSINESS CHECKING ACCOUNT NUMBER XXXX XXXX XXXX My account was charged off.I made a deposit of {$200.00} to clear up the overdraft.They owe me credits in the amount of $ XXXX.Which is still under review.Due to me filing a fraud claim.They overlooked my claim and closed out my account.On XX/XX/2018 There was a positive balance of {$120.00} in my account.My storage cost was $ XXXX.So I paid my storage cost.XXXX XXXX went into my account and took $ XXXX.When they only should have taken $ XXXX.Whichj cause my account to overdrawn.I had a positive balance of XXXX. {$90.00} should have been deducted from my account.Which should have left with a positive balance of about $ XXXX.Which would have covered the 3 XXXX fees.But Due to XXXX XXXX taken more then they were to suppose to take.It cause my account to be overdrawn.I have failed an 2-3 fraud claim about this matter.Nothing has been done about the {$240.00} as of today.Its still under review.I don't know why they close out my account.When they knew it was a fraud claim on the account being reviewed.I want CFPB and BBT to investigate this serious important matter concerning my account.Which is now charged off.

I am a XXXX XXXX.I know my rights and I may file a civil suit in Federal court in my city.The law suit depends on the outcome of this investigation and serious important matter.

My account should not been charged off.Due to a fraud claim being reviewed on my account.A fraud claim was filed.BBT is obligated to analyze and investigate this serious important matter.So why was my account charged of.

They also charged me a bogus charge off fee of {$30.00}.

Again I am a XXXX XXXX. I may file a lawsuit in Federal court.This is a violation of Fair Debt Practices Act.I want to reopen up an account and reestablish my good history with the bank.I was reported to XXXX XXXXWhich is a FDPA VIOLATION.

Here is my Fraud Claim # XXXX  ... .There is one claim still open. This is a legal bidding record of my claim and they are legal obligated to investigate and credit my account.

They should have enough heart to allow me to open up an new account for my businesses.Again my account should not have been charged off.

Left credited my account $ XXXX.Due to then charging my account $ XXXX.BBT owes me a {$36.00} credit. for the NSF Fee that was changed to my 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 2018-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been trying to negotiate a solution to my mortgage loan with Wells Fargo but they have been unreasonable and have refused to work with me. I have the means to afford my payment and after a bankruptcy discharge OFFERED to make double monthly payments to wipe out the last arrearages. Wells Fargo refused this offer and instead demanded full reinstatement. When I could not come up with the necessary funds they immediately set a sale date. This is an FHA loan backed by HUD, and Wells Fargo did not even open a review of my financial circumstances to consider this repayment plan. They also failed to consider a modification or special forbearance. My wife and I both work and are able to fix this problem but Wells Fargo is not playing fair. They are more interested in foreclosing than working things out.

My wife and I bought our home in XX/XX/2010. I have worked as a XXXX XXXX  for 9 years and my wife works as well. We had a bit of a family crisis a few years ago when my mom came down with XXXX and could no longer take care of herself. Although my father was living and with her, he was a XXXX XXXX and could barely care for himself. We had to become involved and help in her care. After my father passed away we had no options and had to come up with the funds to put her into an assisted living home. We had to put a lot of time and money into getting her set up and situated as well as settling my father 's affairs. Due to these events, we fell behind on our mortgage payment a few years ago. We contacted Wells at that time to modify the loan and eventually were approved for a program. However, our finances were still in shambles and we ended up reorganizing our debt through a Chapter XXXX  bankruptcy. We made all payments as agreed on the BK to the trustee and Wells continued to get paid each and every month. Once the bankruptcy was discharged we again tried to engage with the Wells loss mitigation agents to try and resolve this matter permanently. We asked if we could enter into a repayment plan and actually pay more than a double payment each month ( current payment is {$1300.00} and we offered to pay {$3000.00} a month ) but their agents would not accept this. We were told the only option was to fully reinstate the loan with a lump sum payment of {$8000.00} which we did not have at that time.

Wells Fargo has not considered us for programs such as loan modification, partial claim, special forbearance or a repayment plan. We had the means to afford a repayment plan that would have quickly gotten us back on track but their agents would not even CONSIDER it. This is egregious and shows that Wells Fargo is more interested in cashing in on the government insurance for this loan instead of trying to find a solution.

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 2018-04-19 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: TX

Complaint narrative:
Re : XXXX XXXX XXXX  Account : XXXX I have previously disputed the above referenced account twice and the item was deleted from the credit file on the subsequent credit report. However, now the item have reappeared on my credit report as of XX/XX/2018. This company is not license to collect in the state of Texas. Each time the account is removed then reinserted.

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a stat. ement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I submitted a RMA. The decision was in my favor however I disagree with the calculations. I asked to discuss this with underwriting and filed an appeal. I was denied access to underwriting and was told by a rep in the home retention dept that my appeal was denied. Denial reason was that underwriter calculation always uses a yearly wage calculated by hourly rate for a 40 hour week year round. I submitted verification of 5 temporary layoffs that are a standard work at my company. The underwriting dept refuses to use this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Trans Union is reporting negative information from XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood. The information they are reporting is not identically shown on my reports from XXXX, and 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 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/ I received a letter from CITI BANK by mail informing me that my account would be canceled five days after XX/XX/XXXX So I called the CITI XXXX line by phone to coordinate the closing of my account and the transfer of my balance, in the call they gave me a reference number : XXXX and they asked me to send an email to the XXXX On XX/XX/XXXX I wrote an email to CITI informing them that I had received their notification to close my checking account and send them a copy of the letter, a " Wire Transfer Request '' format that came in the letter, a copy of my account statement in XXXX, and a copy of my account statement of the CITI account with my current balance. 

On XX/XX/XXXX I received an email from CITI telling me to call the customer service center again to have my check sent to my address in XXXX, TX. 

The same XX/XX/XXXX I received a second email where they inform me that they will do what is necessary to send the check to my house in XXXX, Tx. 

The same XX/XX/XXXX I received an email from a XXXX XXXX, XXXX where he informs me that the process to debit my balance and make the check takes 2 business days and send it to the address I had previously given. 

After this last mentioned communication, I have not received any other answer and I have not received my check with my balance. 

For the last day of XX/XX/XXXX, almost 22 days later I wrote again to ask for an update of the status because they have not answered me the last email that I sent them.

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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is ridiculous no one at Capital One intends to resolve the matter. I have contacted your agency and the company to get NO RESULTS! I DEMAND a resolution or intervention from your agency as you stated you would. I can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: OH

Complaint narrative:
XX/XX/XXXX i LOADED XXXX  ON MY PREPAID XXXX XXXX FROM NETSPEND XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX IN XXXX OHIO XXXX  FOR A TRANSACTION OF XXXX MEMBERSHIP WITHXXXX  AT XXXX XXXX uNIVERsity at XXXX XXXX XXXX XXXX where I graduated from a XXXX XXXX XXXX and I am part of the XXXX XXXX at XXXX XXXX   university and while at the XXXX XXXX XXXX a XXXX lady used her mind power to make me mistake my credit card number to not make the transaction succesfully then as soon as I reach the XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX   where I was working and staying it is a men shelter I occured some problems in the computer room up stairs XXXX was unauthorized taking from my netspend XXXX XXXX prepaid account and I disputed it 0n XX/XX/XXXX and they closed down the card prepaid XXXX XXXX  ending in XXXX and said they had to closed the card down and re issue me another card because I did not authorize the transaction for XXXX XXXX XXXX  for XXXX and XXXX XXXX XXXX on XX/XX/XXXX for XXXX  and XXXX  so he said when he closed the account down it would take 7 to10 days to resolve the issue then when after 7 to 10 days they said it will take another XX/XX/XXXX then after that they said it will take XX/XX/XXXX every time they prolong the date because they are showing their buts tring to used my biggest form to fight against my grandfather chief XXXX XXXX  the head of XXXX XXXX XXXX XXXX in XXXX XXXX  my uncle XXXX XXXX XXXX is on the phone asking my biggest form to fight with him but my grandfather XXXX XXXX in XXXX tennessee said no to XXXX  my biggest form my uncle wants to show his but with caused me a lot of hardship and lost a lot of money and even got me evicted from my apartment with XXXX XXXX and XXXX XXXX and they even XXXX my girl XXXX XXXX   because of it.

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 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I had a bad experience with BOA yesterday regarding my unemployment card for the state of Kansas. The BOA supervisor ( XXXX ) was not helpful with my issue. My issue was that my card mailed out on XX/XX/XXXX and I have still not received it as of XX/XX/XXXX. XXXX wanted me to charge me {$10.00} to send via XXXX. I am not paying to expedite the card to me since I never received the card so I am now waiting another 7 - 10 days for another card to be sent USPS without tracking again. This was the 2nd call that I made to BOA on Wednesday, XX/XX/XXXX ; on the first call I was told that a supervisor would call me back. After approximately 6 hours an no return call ; I called BOA back. Every other time I called BOA I was asked to do a survey but not after I spoke to XXXX. I am also a BOA checking account member and have been for 15 years. I mentioned that during my call as well as I would go to BOA to close that account after no resolution. XXXX did not care at all!

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 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: TX

Complaint narrative:
The company Rash Curtis & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX are reporting two medical debts on my credit reports they opened in 2012. I live in Texas. I have sent certified mail to them requesting validation of debt and proof of surety bond in Texas. They did not respond in the 30 days and they do not have a surety bond to collect or report debt in the State of Texas per Texas Finance Code 392. According to the Texas Secretary of State website debt collector search they do not hold a bond and are illegally reporting and collecting debt in this state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Creditor Classification Utilities Last Payment Date Date of First Delinquency XX/XX/XXXX I contacted the company and they confirmed that the account was not mine and that they would rectify the credit reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I've been a student with XXXX for a few years as I was taking classes while serving in the military. On XX/XX/XXXX, I stopped taking classes because I was separating from the military and transferring from XXXX University  to XXXX   XXXX University. In XX/XX/XXXX, XXXX University  placed a hold on my student account. I am unable to access my official transcripts and other documentation. I have made several attempts in contacting my advisers and other branches of XXXX over the course of several months. I finally spoke to a man named XXXX XXXX through email about my account. He stated I ONLY needed to update my financial information about how I will be taking future courses with XXXX. Which made no sense because I did not want to continue my education at XXXX, however, I sent the form in, to update my financial information. After I sent the form, XXXX XXXX XXXX stopped replying to my emails. I then made several calls to my adviser and made sent several emails ; none were replied to. On XX/XX/XXXX, I got hold of the financial office and spoke to a gentleman. He stated the holds on my account are because I owe XXXX University $ 2000+. The balance includes two of my latest student loans through Navient. He states that because I withdrew from XXXX University after my class in XX/XX/XXXX, XXXX had to refund money back to FAFSA for the classes I did not take after my last class. He states that because XXXX had to refund the money back to XXXX, I owed XXXX that balance. I told him it doesn't make sense that I owe money back to XXXX for classes I did not take. He then replied and stated that the money I owe XXXX is because of the loans I took out from Navient. This would mean I now owe student loans to XXXX AND Navient for the same loan. After arguing my case, the gentleman stated he was just going to email me a breakdown of what and why I owe XXXX $ 2000+. however, I have yet to receive this email. It doesn't make sense. The attachment is me speaking to XXXX XXXX through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hendering me from gaining employment, and getting financed for housing. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting negative information from XXXX Tx, XXXX On XXXX XXXX XXXX, XXXX and XXXXXXXX XXXX which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelyhood The information they are showing is not completely reported on my reports from XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation