vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
wells fargo open up account that i did not authorize violation of my rights with hippa and cra never knew what to do until my consultant told me to file here

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 2017-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Hello, My name is XXXX XXXX, my Loan number # XXXX. Im writing concerning of how your company has handled my mortgage, and questionable business practices. Ive been deceived by your company, mortgage representatives, and legal counsel. I would like to speak to someone from a corporate representative concerning this situation. I was making payments up to XX/XX/XXXX, then was told by Loancare that they are now mortgage handler and to suspend payments until XX/XX/XXXX due to paperwork and processing. XX/XX/XXXX arrives and im informed Ive defaulted due to 3 months of nonpayment, and in forclosure?!? Now apparently my home was sold on XX/XX/XXXX. Ive had communications with Loss Mitigation, and the attorney involved, both implied that a solution could be made to the situation. Neither gave notice it was up for auction, or lose my home. Ive been told today by XXXX XXXX XXXX attorneys office they were in favor of restarting the loan and resume payments. Today XXXX XXXX emails me stating that it was sold in XXXX, and that Ive lost my home and to contact the attorney??. This is outrageous! I cant believe this is how Loancare operates, its inhumane and unethical. Im consulting an attorney on my legal options, and other avenues to keep my home. Im XXXX, retired and now will be homeless. I appreciate any assistance in this matter. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 2017-10-17 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: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
This Company is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet. I never received any information validating this is my debt. I have filed a complaint with Attorney General office, CFPB a BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company convergent and their right to collect. I have a {$0.00} balance with convergent and this account is listed as A XXXX write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to convergent and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that convergent has a legal right to collect. I also do not owe convergent and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to convergent. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off. 

It is within my rights under the XXXX to request the said documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

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 2017-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. 
I do n't live at that address and I never have.

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 2017-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX Bank of America reported my account to XXXX without giving me a chance to pay the fee {$49.00}. I called several times to resolve this issue and they kept transferring me to different departments. They listed my account as suspected fraud activity. I deposited checks to the account but the checks were returned because I didnt have enough money in the other account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: TX

Complaint narrative:
MY STUDENT LOANS IS WITH GREAT LAKES. IN THE YEAR XX/XX/XXXX, I MOVED FROM XXXX TO MISSOURI. I NOTIFY GREAT LAKES OF THE ADDRESS CHANGE AND I ALSO REQUEST DEFERRMENTS ( FINANCIAL HARDSHIP ). THEY SAID OVER THE PHONE, NO PROBLEM THEY WILL PUT THE ACCOUNT IN DEFERR. NOW THEY ARE SAYING THAT THEY HAVE NO KNOWLEDGE OF THE PHONE CALLS NOR THE DOCUMENTS THAT I HAD TO FAX. THEY HAVE MULTIPLE LATEPAYMENTS SHOWING 90,120,150 DAYS LATE. TOTALLING THE ENTIRE YEAR OF XX/XX/XXXX. UNDER THE FAIR CREDIT BILLING ACT, THEY MUST PROVIDE ME RIGHTS WHEN A CHANGE OF ADDRESS OCCUR. UNDER THE FCRA I HAVE THE RIGHT TO DISPUTE ANYTHING ON MY CREDIT REPORT FOR ACCURACY. SO I DISPUTED WITH THE CREDIT BUREAUS AND THEY SAID THE INFORMATION WAS ACCURATED, SO I DECIDED TO CALL THEM DIRECTLY AND THE LADY REFUSED TO FILE THE DISPUTE WHICH IS A VIOLATION OF THE FCRA. I TOLD HER IT WAS A VIOLATION, SO SHE SAID HOLD ON AND SHE CAME BACK ON THE PHONE AND SAID HAVE YOU MOVE, I SAID YES, SO SHE SAID ITS NOT OUR PROBLEM, AND TO LEARN HOW TO BE MORE RESPONSIBLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed that my Account on my Direct Deposit and Cash Advance have a balance of {$4300.00}, which is not correct. I call customer service I spoke with XXXX, I wanted to know when was my last Cash Advance,  she claimed she could see it, it. I told her that it been about six or seven years ago, that I used that service and my account still high. So I call the Dispute Department to get another Dispute started, because I had one in XXXX that was never resolved for the same thing because I have n't seen in decrease in my Cash Advance Balance. I spoke with XXXX, about the issue a hand he tried to brush me off, sending my call to XXXX in collection, than she transferred to XXXX, she looked at my account and told me that I had {$1000.00} worth of interest each year. I said what? Who in their right mind have interest that high, she asked to put me on hold while she talk with her supervisor, she never came back to the phone. Then XXXX, in Customer Service picked up, I explained to her what was on and the statement that was made to me about the interest. she was wondering herself why was n't that issue resolved on there end two years ago. I told her I guest because I just kept paying my bill and they kept sticking me. She claim that she 's going to escalate this dispute. I ca n't trust that, I tried that before and I 'm deeper in debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
On XXXX/XXXX/17, I submitted a request to XXXX XXXX to validate debt via certified mail XXXX XXXX XXXX XXXX XXXX. I asked that the company provide the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Any insurance claims been made by any creditor regarding this account. 4 ) Any Judgments obtained by any creditor regarding this account. 5 ) Name and address of alleged creditor. 6 ) Name on file of alleged debtor. 7 ) Alleged account number. 8 ) Address on file for alleged debtor. 9 ) Amount of alleged debt. 10 ) Date this alleged debt became payable. 11 ) Date of original charge off or delinquency. 12 ) Verification that this debt was assigned or sold to collector. 13 ) Complete accounting of alleged debt. 14 ) Commission for debt collector if collection efforts are successful. To date, Convergent has not provided me with the requested information. As a matter of fact, the only information that they sent after my request was a copy of a bill.

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 2017-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
I did call C.C.O.C ( A Debt Collection Agency ) when I found out that they report this debt to all XXXX credit bureau. I told them that this debt supposed to collect from XXXX XXXX XXXX XXXX and I have a prove of XXXX XXXX A that I filed with IRS that I paid my premium from XXXX - XXXX XXXX. I also told them that I did call XXXX XXXX XXXX  XXXX to confirm that they will take care of this debt. I also send all supporting documents along with the letter to C.C.O.C.. Instead of removing this debt from my credit reports, they sent me the letter state that this debt is valid and will remain unchanged. and also adding interest with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.

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 2017-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Complaint against Western Union Location in XXXX XXXX : This is not the first time this happened to me. I sent money and was told that the money will be available on XXXX XXXX. I told my son to pick-up the following day because of the previous experience when he came on the date we were told the money was available just to find out it was not. Today is XXXX XXXX, my son went to pick-up and AGAIN was told the money is not available. I called Western Union and the agent said the money is already available. This is the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX location.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 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: MD

Complaint narrative:
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.

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 2017-10-17 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: MD

Complaint narrative:
The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the  screenshot I highlighted, the credit bureau added a 90+ late payment date of XX/XX/XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XX/XX/XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Hello my PayPal account was used to make an unauthorized transaction so I opened a disputed with PayPal and they decided that I personally made the purchase which in fact I did not it would be pointless for me to dispute it. However I can not get ahold of PayPal because they do not answer their phones ever! The amount was XXXX this happened on X/XX/17

Company response to consumer: Closed with explanation