vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So the day of XXXX XXXX,2017 I went to withdraw a somewhat big amount but was denied and the lady behind the counter told me was blocked and probably said it could be because you made a small purchase at. Such place then a big might still be processing and they 'd think that 's sketchy and I thought that was all bad so she gave me a number where tocall and I did got told that it will be closed did n't say a reason and told me I could withdraw my balance yet o went back to the branch and was told no I could not and they too called for it and I was like well I spoke to one she said I could withdraw he said no until it 's reviewed then it 'll be assign to someone and you can then call and see what is going on.

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 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.

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 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I have a judgement listed on my credit report however I have never had an account with Ally I have disputed this several times and requested copies of signed contracts and I 'm getting no response Judgment COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX XXXX, 2015 STATUS DATE PAID AMOUNT {$12000.00} PLAINTIFF Ally Financial Inc ACCOUNT HOLDER Individual CATEGORY Legal Item

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 2017-07-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: West Coast Servicing, Inc.
State: UT

Complaint narrative:
I Had a home equity loan with a bank that something happened to 2008 call XXXX XXXX I stopped getting payment notices, for a couple years then I received mailings from entity call XXXX XXXX and I talk to a male from this entity asking that he show ownership of the said loan and I never received any documentation, then I got a notice from XXXX XXXX saying that rights where transferred to " West Coast servicing inc. " they are saying I owe late charges totaling {$3100.00} I never had any loan information or numbers etc I have only been threatened by this entity. this has never been on the up and up they never gave me payment slips or nothing. now they have found away to get a trustee to file a notice of default. I never had any information on this loan. I do n't even know if they have a legal right or chain of custody or ownership of this loan. I filed a complaint against them 4 years ago and was told they were n't in your network and you where turning it over to the federal trade commission for prosecution. how is it fair to turn up after so many years and tell me I owe late fees? I always intended to pay my debts if owed but this is not right how they have dealt with this problem. I have only wanted to be treated fairly but this has been a night mare!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
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 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.

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 2017-07-28 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX Current address is XXXX XXXX XXXX, XXXX MD 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 2017-07-28 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: AL

Complaint narrative:
I contacted the Transunion credit bureau and informed them I have been a victim of identity theft. I faxed over and sent a copy of the identity theft report and affidavit required to remove/block the inaccurate information on my credit file. As of XX/XX/XXXX there is 1 collection account still appearing on my report that resulted from identity theft. I have asked Transunion to remove/delete/block this inaccurate reporting, but it is still there. I would like it to be removed immediately.
The inaccurate collection account is : XXXX XXXX XXXX in the amount of {$150.00} and the original creditor is XXXX.
I have never owed/held an account with XXXX and I want this derogatory, inaccurate, wrong information removed from my report immediately.
There are also two inquiries that have been disputed which are still appearing. They appear as a result of identity theft.
1 ) XXXX XXXXt obtained a copy of my file onXX/XX/XXXX 2 ) XXXX XXXX obtained a copy of my report on XX/XX/XXXX These two inquiries were not authorized by me. It is my understanding if I did not authorize a company to pull my credit report then they are not allowed to report to the credit bureaus. Where is the protection of the consumer? I have asked the companies to delete the information and Transunion. It is the responsibility of the Transunion to update/remove the inquiries.

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 2017-07-28 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: MD

Complaint narrative:
Last year, I found out that XXXX was reporting a collection on my credit report for an account that was opened in XX/XX/XXXX and closed in XX/XX/XXXX. I called them and their fraud department and they advised me that they did not show any accounts under my name that were in collections or delinquent as I currently have XXXX XXXX and residential services. I disputed this with XXXX XXXX and it is still showing on my credit report and does not provide any information as to an account, amount owed, etc. It simply states paid and closed via consumer 's request. This is all inaccurate. I have been living at my current address since XX/XX/XXXX and have had no issues with XXXX besides this. XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX MD 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 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC.
State: ME

Complaint narrative:
I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I applied for the   XXXX   XXXX   XXXX   XXXX   XXXX   which offers credit to people with " bad credit ''. I was willing to pay their high fees to get a credit card where I would carry an unsecured balance as opposed to a secured card which I have already applied for and advanced money on with another company. I went through the entire application process only to be declined and offered another secured account where they told me to send them {$500.00}. It was absolutely misleading from the from the beginning. Their advertising says the card is appropriate for people with a credit score of between   XXXX   and  XXXX . Mine is  XXXX . Now that company has my personal information and did not come through with the credit they promised. upon completion of the application, I saw a page come up that said congratulations I received a credit line of {$500.00}. But then it suddenly went off the screen to another credit card offer. When I went to pull it back up they said I did n't qualify and that I would have to send them {$500.00}. Extreme false advertising. I would never have applied with them had they been honest. This company is committing fraud, perswading people to provide personal iformation such as email and phone with no intention of providing the credit they promise!

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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$91.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2017-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX XXXX. Please have XXXX XXXX XXXX remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 2017-07-28 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: GREAT LAKES
State: PA

Complaint narrative:
I am requesting an immediate stop any and all deductions from my checks in regards to wage garnishment. I was not properly notified and allotted the correct amount of time to put together a plan of repayment before deductions began based on XXXX Administrative wage, article ( e ) sections : 1, 2, 3. This is with regards to my Federal Date of order : XX/XX/XXXX Date mailed to employer : XX/XX/XXXX US Postage date : XX/XX/XXXX Date received : between : XX/XX/XXXX XX/XX/XXXX - Based on XXXX website : money was deducted from my wages on XX/XX/XXXX for {$65.00} This should not have happened this quick. Any further deductions should cease until further notice. I am in the process of having an attorney review this as well. I appreciate your help with this. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have been working on rehabilitation of my Great lakes Higher Education loan..they had a wage garnishment in place. I contacted them before they started to take the money out of my check and set up payment plan. They day they take money out of my personal checking account, they still took the money out of my check. which ( in an email i had that stated that should not have gone through. I am trying to pay it back but i can not have XXXX different deductions of 15 % each of my disposable income. I have XXXX children and if we will not survive. I am trying anything to prevent filing bankruptcy. Thats why i consolidated and putting together an affordable plan. but if they do not allow me proper time and work with me. Why am I expected to do the same and they have power to XXXX me out of my funds. Wage garnishment should be illegal, it forces people to quite their jobs and do illegal things, which could be prevented by not diving into someones pockets to ruin their lives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have filed two letters with Experian to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with Experian was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you 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 explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/2017 I used XXXX  's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE.

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