vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have a letter from WF branch manager where she admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through their was more than enough funds so in addition to reversing and refunding fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset and obsessed with a VPN and email purchase that Ive done every month for the last two years which is transparent for everyone in the banking system and lawn force meant to say but somehow magically nowadays theyre just not satisfied. That was their excuse yesterday for blocking my account, yet I have photos and documentation and they can NOT explain why I cant use ATMs really anywhere and they hide behind their excuse. Yet their branch manager admitted that there is no reason for Wells Fargo to not allow an IRS monthly payment to go through since there were enough funds in first place. So in addition to reversing and refunding bank fees she did that letter for me which I provided a copy to the IRS. I requested that the IRS not deduct or do any type of transaction with Wells Fargo because Wells Fargo is not ethical theyre too busy being upset with my VPN and email yet I have photos and documentation and they can explain why I cant use ATMs really anywhere and they hide behind that is their excuse. No I guess yesterday they just decided to allow an XXXX payment to go through isnt that ironic because this entire time for the last three months when theyre wet sponge they didnt want to let it go through to somebody else Wells Fargo and they plan on letting me have a normal checking account like everyone else. If by any chance Wells Fargo doesnt know and they cant answer for their actions its OK they can just say they dont know either. Attached is the letter from the branch manager reverse and refunded everything since well and she is a secretary there is plenty of fun so theres no reason why that IRS payment shouldnt of gone through in the first place. So what does Wells Fargo and everyone have to say for themselves, again if they just dont have an explaination, thats OK they can just be like everyone else and say they dont know either. Let me know if you cant be you that letter heaven forbid.

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 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) 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 non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: TX

Complaint narrative:
Dear Express Recovery, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2014. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: AR

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Equifax asking to validate an account ( XXXX, XXXX, XXXX ) reporting negatively on my report. They responded with the account was verified but sent so validation paperwork. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Equifax disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that is reporting in my credit report. Equifax has responded to my request by saying that these accounts have been verified. Equifax has not sent me copies of the documents that they have in their files that were used to validate these derogatory accounts. As required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Equifax has ignored my request to provide me with the documents that their company have in their files that is used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have sent certified letters asking Equifax reporting agency to VALIDATED these accounts with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The bank closed my accounts, they sent a letter asking me to call to find out why. I called and spoke to some very rude girls who refused to give me any info and said I had to call the branch. I called the branch and was told by the manager he had no information why it was done and said I had to call back the number on the paperwork. I do so and was again treated extremely rudely. I was coerced to dispute a transaction that was valid causing my fraud claim to be denied. the transaction was done before the card got lost but posted after. No one I spoke to seemed to understand this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
This is a continuation of my Petition against XXXX XXXX. Trustee for XXXX XXXX XXXX XXXX c/o Caliber Home Loans , Inc . 

Caliber Home Loans has harassed me since XX/XX/XXXX regarding the XXXX XXXX Mortgage which was disputed and closed. I have told Caliber Home Loans , Inc. that I never had a contract with them and that my XXXX XXXX was not transferred and/or assigned per regulations. In XX/XX/XXXX Federal Court found that all violated RESPA, FDCRA, TILA and settlement class received money and a do not contract with any of the above. 

However while this litigation was happening in Federal District Court in New Jersey, XXXX Caliber was harassing me to pay or set up a modification and I would not, stating I did not have a contract with them. Caliber, XXXX XXXX XXXX  and XXXX are all intertwine and committed real estate fraud. THE CLASS ACTION SUIT FILED BY XXXX, XXXX AND XXXX XXXX ON BELHALF OF THEMSELVES AND THE CLASS MEMBERS AGAINST CALIBER HOME LOANS , INC. ; XXXX XXXX  XXXX XXXX XXXX, AS TRUSTEE OF XXXX XXXX XXXX XXXX  CAUSE NO. XXXX CAUSE NO. XXXX addresses all the issues of the violations that made any contact made to the class, which I am, should be reimbursed money or not liable for any property, loans or liens. The boldness of litigating in federal court and harassing me to modified when Caliber acknowledged all the violations. 
There were 5 causes of actions with sanctions attached to each. The foreclosure on my home is fraudulent and should be protected by the Homestead Protection Act since the suit to foreclose is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Knight Adjustment Bureau
State: MD

Complaint narrative:
ACCOUNT IS SHOWING ON MY XXXX REPORT. THIS IS FRAUD AND WAS A RESULT OF IDENTITY THEFT WHICH I HAVE SUBMITTED POLICE REPORTS TO XXXX. THIS ACCOUNT IS NOT MINE. PER YOUR " INVESTIGATION '' YOU SAID I REPORTED SOMETHING TO THE BANK. I NEVER REPORTED ANYTHING AS THIS ACCOUNT, I DID NOT OPEN IT. YOU SAY THIS ACCOUNT IS NOT SHOWING IN COLLECTION IN MY CREDIT REPORT. WELL I HAVE ATTACHED WHERE IT IS. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
After applying for a consolidated loan Navient has not provided me with an income eligible loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is listed on my credit report and the company did not disclose proper information regarding amount owed and bill break down to explain debt. I never received anything in the mail informing me of debt prior to it being posted to my credit file. I do not acknowledge or accept the debt as listed and denounce any ownership of the debt. I believe this is a result of identity theft because my identity was stolen and inaccurate information exists on my credit report. Company failed to provide sufficient, factual information to prove this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. 

The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. 

We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. 

We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. 

We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. 

When we looked into selling points we learned there is no value. 

I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX  On food stamps

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 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
Dear Avante XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: FL

Complaint narrative:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
As many did, I made a direct property tax payment to my local jurisdiction ( DC ). I sent a QWR to Nationstar/Mr. Cooper indicating the size of the payment ( {$6100.00} ) and with a confirmation from DC ( attached to this complaint ). I requested that they perform an escrow analysis and revise the amount due to comply with RESPA. They did perform an escrow analysis but failed to account for this {$6100.00} payment. Therefore the amount they propose to collect will substantially exceed the maximum they are allowed to hold in reserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have disputed this account with no validation being received. Please help as this is unknown

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 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: WA

Complaint narrative:
During XXXX of XXXX alliance one incorrectly started to garnish my paychecks for the maximum amount witch created a terrible hardship for my family. I finally got them to realize they had the wrong person and the funds were subsuquently refunded. On XX/XX/XXXX the garnishment process started again and I received an email from adp stating that I was being garnished by Alliance one for {$510.00} and the remainder was {$1700.00} after multiple garnishments the last one came in XX/XX/XXXX stating that I owe a balance of XXXX. I followed up with alliance one a few months later around XX/XX/XXXX and they stated that they never received money and that they could not find a debt for me. After finally finding me I was told that XXXX would release the money to them in XXXX. I called alliance one again in XXXX of XXXX and they stated that they received the money but I still owe and additional {$2400.00} wich was never explained to me at any point in the past. the representative had a very hard time finding out where the garnished total of {$1700.00} went. I called back for clarification and a clearly irritated rep denied to give me any time or an opportunity to take notes on what was being said in regards to the balance. She stated that since i'm considering legal action she can not give me information on my account. I also never received a notice in the mail in regards to any balance owed. After the initial garnishment that did not belong to me, and after the representative not allowing me to get full clarification on this large debt! I am very concerned about the collections practices of alliance one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: FL

Complaint narrative:
Unknown agency as I have never done business with XXXX XXXX and do not owe them. Please help I have disputed with no validation

Company response to consumer: Closed with explanation