vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
When we were applying for a mortgage, we were approved up to $  XXXX  by Bank of America . We found a house that was only   XXXX   and our Mortgage Banker at Bank of America guaranteed us they would issue a HELOC of  XXXX  after we moved in. They have now come back and reneged on the deal we ha leaving us with a house that needs 150K in work. In effect, they left us stuck in a mess due to their dishonesty..

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 2017-07-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern on  XX/XX/XXXX  I opened a Capital One card. My limit was {$30000.00} and I had a perfect credit scores in the high   XXXX   range, never missed payments on none of my 27 accounts. I got a call and letter from Capital One stating they see weird activity on my account and they closed the account, the account was also maxed to the credit limit which I never even gotten to use the card. The {$40000.00} charges to my Capital One card does not and was not incurred by me and I did not authorize anyone to use my card. This account was closed and charged off on  XX/XX/XXXX  however it is still accruing interests till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,

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 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
I visited   XXXX   XXXX   XXXX   of   XXXX   Tx. I was told all services were covered under my insurance plan. I received a bill and requested the bill be resubmitted to my Ins..
I did not hear back and forgot about the matter. I am in the process to buying a home, my lender informed me i owed {$320.00} and i paid that amount to United Revenue Corp   XXXX   XXXX   XXXX   XXXX    XXXX  TX  XXXX .. I asked United Revenue to provide a Deletion letter to provide my lender that must include Account number, the amount paid, and that the debt is ok to remove from my credit report. This is a standard form and my lender assures me United Revenue is well aware of this form.
I was told they could not provide that letter, that letter comes from an out of state office, i was assured the out of state office would send this with in 10 to 15 business days.
We waited and received a letter but did not contain what was requested. My wife called and expained a second time what we need and was told the first request was deleted. but was assured United Revenue resubmit the request and we would again have to wait the 10 to 15 days. This is holding up our loan process, we paid the amount owed and feel with the attitude we receive when contacting United Revenue they feel as if to punish us in some way and will not provide what we ask. Even though we have paid the debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I called   XXXX   XXXX   to let them know that they reported wrong information and dropped my credit report almost  XXXX  points. They told me that they could not do anything to fix this issue! That 's incredible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I have been receiving emails and phone calls from Lexington Law Firm for someone who has a similar, but different name. I have responded to the email and attempted to call Lexington Law Firm to inform them that they have the wrong person. I continue to receive emails and phone calls for the wrong person. I am going to check my credit report to make sure that all of the information on them is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I go in to make a payment on  XXXX  their chip was not working they told me I do n't have the fun in my other bank I ask the bank manger to call of to credit union, he call they said the fun was available we try again Wells Fargo bank my card will not clear, I went over to Credit union to get cash for payment Wells Fargo why is fun not clear, she said Wells Fargo not show up in system walk in a mouth later Wells Fargo, I was told their having problems with card chip and this was going on for pass 6 mouth. I 'm one payment late so I started make extra payment of  XXXX  but I notice when receipt print out it show   XXXX   my payment is  XXXX  I ask if the payment is toward aback payment why cant it say on the receipt, because you charge a late fee every mouth   XXXX   because I retire   XXXX   an I make a payment on   XXXX   each mouth my concern is the extra  XXXX  turn into service charge. in   XXXX   I walk in Wells Fargo to make a payment I told by the bank their do n't have enough room to make Two payment I call Well Fargo mortgage what do, no response I receive a call from Well Fargo mortgage say you do n't have to make a extra payment of   XXXX   keep until you get  XXXX . this is getting out of control I need help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19 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: ACS Education Services
State: MD

Complaint narrative:
I applied for the Public Service Loan Forgiveness program and was denied. I took ou t William D. Ford L oans and I have been paying on them  since  XX/XX/XXXX . I have paid for 17 years without missing a payment. I have never been late with a payment s ince I have automatic debit. I work fulltime as an  XXXX  in a   XXXX   XXXX   XXXX   and meet all the other qualifications. I have also applied for the   XXXX   forgiveness program   and been denied because I took out my student loan in     XX/XX/XXXX  o ne semester before the program benefits.   XXXX   University   DENIED the Perkin Loans to the  XXXX  students who were in greater need than the  XXXX  students because our classes were much more expensive. If they had allowed the   XXXX    students Perkin Loans I would have had 100 % forgiveness. What are my options at this point in time after paying faithfully for 17 years. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was a victim of transunion 's inquiry issue ''. i called them XXXX / XXXX /2017 to make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports. TransUnion failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

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 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Bureau of Carbon County
State: WY

Complaint narrative:
When Collection Center Inc. was trying to collect this debt for   XXXX   XXXX   XXXX   bills. They called me in  XXXX  of 2017 and asked me where best to serve me. I told them I lived at   XXXX   XXXX   XXXX   XXXX     XXXX , Wyoming  XXXX  but I would be moving shortly after graduation. I moved out of my residence on  XXXX   XXXX  2017. They served papers to my former roommate   XXXX   XXXX   on  XXXX   XXXX  2017. He did not inform nor was he required to. I would not be made aware of this until I received a forwarded letter from   XXXX   XXXX   XXXX  , Circuit Court saying that Collection Center Inc. had won a judgement against me because I failed to appear. I was n't afforded my right to defend myself because I was n't served papers in the county where I resided. This is a illegal judgement because federal law requires that they inform me they are attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
In XXXX, I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with XXXX that was charged off on XX/XX/XXXX.
Since XXXX it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX I called XXXX and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $ XXXX. They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with XXXX XXXX. He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: UT

Complaint narrative:
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since  XXXX  it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX   He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In  XXXX , I started the process of bankruptcy - but never went thru with it. I have since settled and paid my debt. I had an open account with  XXXX  that was charged off on  XX/XX/XXXX .
Since   XXXX   it has reported me late every month - even though the account is charged off and closed.
In XX/XX/XXXX  I called  XXXX  and asked if I could work out a settlement with them to get this account taken care of. The balance at that time was {$180000.00} -- they told me that if I paid {$100000.00}, they would reopen the account, set up payment arrangements for me for 12 months, and forgive {$60000.00}. They promised me that the balance would reflect as a positive balance on my credit, show the account was open and active and not reflect me past due but rather show me paying as agreed. I agreed to payments of {$1600.00} per month, and sent in the $  XXXX . They still show the account past due {$82000.00} - and charged off. I set this payment arrangement up with   XXXX   XXXX  . He misrepresented his promises to me, and did not honor any of his promises. I honored mine, and have since paid {$100000.00}. When trying to get a payoff or correct monthly statement, or to get it reported corrected on my credit they would not correct. I feel lied to.

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 2017-07-19 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:
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: AL

Complaint narrative:
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: Navient Solutions, LLC.
State: AL

Complaint narrative:
I borrowed  XXXX  dollars and because I could n't get income based repayment options for it inahd to keep deferring the loans. causing the loan to grow to over 90k. Now I finally got the loans consolidated or so I thought then they denied me for income based repayment without a reason. So basically I 'm screwed owing   XXXX   and I should only o  we  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was a victim of   XXXX   XXXX   inquiry issue '' . i called them XXXX / XXXX /2017 to   make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
 XXXX  had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports.   XXXX   failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
On   XXXX   XXXX   I applied for a payday loan, and they only gave me the option to pay it on the  XXXX  which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called   XXXX   XXXX   and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike  XXXX  or   XXXX   where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation