vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I changed security company XXXX XXXX XXXX that I had used since XXXX to XXXX XXXX XXXX because they offered a better plan for less money. I called XXXX after XXXX XXXX XXXX had installed the new system on XXXX XXXX to cancel my account with them and told them I was using another company. I had automatic bill pay with XXXX so I cancelled that with my bank because I no longer had their system. They still tried to put the payment for the next month through but my bank declined it because I had cancelled the automatic payment. XXXX then sent me a bill so I called them and was told I couldn Cancel because I was still under contract. I told them I still had my contract which was for XXXX yrs.and that ended in XXXX. They still billed me and added late fees which brought it to XXXX I refused to pay it so they turned it over to a collection agency and the collection agency put it on my credit report. I have disputed this charge but they refuse to take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank does n't allow external applications to access checking account, apps like XXXX pay, XXXX pay, XXXX XXXX XXXXXXXX, unless I visit a branch. Unfortunately I am a long haul truck driver and while on the road I do n't have the ability to visit the branch as readily available as others do, so I am prevented by the bank from accessing viable alternative payment methods that can enable me to save money on fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
USAA is my bank I had used a customer service representative to transfer XXXX dollars from my checking account to my XXXX account to increase my secure credit card line of credit. The representive transfer out of my account XXXX yet the bank does not know where the money is. It was never transferred to any of my accounts and is no longer in my account. Im XXXX XXXX XXXX and was leaving for a crusisevwith my daughter. I could not go cause the bank lost my money and did not find it after I begged and explained this was a once in a lifetime trip. I lost my money that I paid for the cruise cause I couldnt make the trip without money to travel. Im heartbroken the bank refused to give me back my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAM National Arbitration and Mediation
State: MS

Complaint narrative:
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on XXXX XXXX loan. Have a XXXX form sent from XXXX XXXX for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by XXXX XXXX. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from XXXX XXXX. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Is it lawful to be used as collatereal damage? 

My loan were originally serviced by XXXX XXXX XXXX and then serviced by company XXXX ; now this third transfer in 3 years and this company XXXX XXXX! 
Documents are lost and payments never applied to my loan ... 
The loan amount was XXXX in XXXX XXXX Now XXXX years later XXXX XXXX states I owe them XXXX estimate.to resolve this loan and to retain my property. 
I was in bankruptcy for 5 years and XXXX XXXX was XXXX and I paid payments through the Bankruptcy XXXX and did not miss a payment! 
These are unlawful fees and fabricated fees used as collateral ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was checking my credit report thru XXXX and noticed I had a collection account for {$26.00}. I called the collection company listed on my report XXXX XXXX XXXX to find out about this {$26.00} that was in collection and was told that XXXX XXXX XXXX XXXX was filing the complaint for XXXX XXXX XXXX XXXX said I owed {$26.00} dollars from a emergency room visit in XXXX. I filed a dispute and called the collection agency XXXX and told them I never received a bill for {$26.00}. from XXXX XXXX. I told them I had XXXX insurances and I never have a balance for medical care. It turned out that they only filed my XXXX and XXXX and didn file XXXX for XXXX which pays whatever is left over from XXXX and XXXX which was the {$26.00}. They took the XXXX billing information and said they would file it. 
I thought everything was taken care of until today when I checked my credit report to see my score had dropped from XXXX to XXXX because of this collection of {$26.00} and another acct. for {$79.00}. XXXX never took this off in spite of my constant calling them. 
I need help in Equifax removing this as it never should have been on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.

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 2017-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Big Picture Loans, LLC
State: MS

Complaint narrative:
filed for Bankruptcy in XXXX. Still getting call from collection agency attempting to collect on castle payday loan. Have a XXXX form sent from castle Payday for cancellation of this debt. Received a call from XXXX Service.wanting me to pay this. spoke with XXXX XXXX XXXX, phone XXXX they called XXXX. Then on XXXX received a call from XXXX XXXX with XXXX XXXX saying I was being sued for check fraud by castle Payday. Explained to this person that this has been canceled in bankruptcy, also faxed the dept cancellation form from castle Payday. What can I do to stop these call. Every XXXX XXXX months I get these calls. XXXX phone XXXX. Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.

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 2017-10-19 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: TX

Complaint narrative:
Equifax, XXXX and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a ZERO balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a Document type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from Pressler and Pressler stating  I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them one more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. Pressler and Pressler and XXXX XXXX ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TX

Complaint narrative:
XXXX, Transunion and XXXX claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

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 2017-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX and Experian claims that an account from XXXX XXXX XXXX has been documented and prove valid. Yet, I 'm still waiting for documentation from the creditor since XXXX 2017. 10  Months later. My credit has a mark on it because of this. How can a company deem something valid but yet the consumer is still waiting on the documentation. Please help me resolve this with the 3 credit reporting agencies on getting the removed as it has not been validated to the consumer.

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 2017-10-19 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I 've called Toyota Motor company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX 2017. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen ignore the Temporary Restraining Order from the XXXX XXXX of the State of California in an for XXXX XXXX of XXXX XXXX. Ocwen and their trustee XXXX, XXXX. XXXX XXXX and XXXX, XXXX continue foreclosure on our house, the sale date is XXXX XXXX, XXXX. 
Ocwen violate The California XXXX XXXX of Rights ( XXXX ) in many ways. I submit the loan mod on XXXX XXXX, Ocwen continued to charge late fees for periods during which a complete loan modification application is under consideration, during an appeal. Ocwen denial did not include a detailed explanation for their decision. XXXX requires the servicer to assign borrowers an accountable single point of contact ( XXXX ) to help navigate the loan modification/foreclosure process, upon request from a borrower who requests a foreclosure prevention alternative. I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Payment Errors : I need your company send me the complete payment history for this account from the day XXXX signed on the note : XXXX XXXX, XXXX Fee Errors : Your company incorrectly imposed a late fee. I need a breakdown for all the fee/cost/payment and any other amount on your reinstatement statement. Please be very specific and very detailed for single dollar you put in it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least

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 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cypress Financial Recoveries, L.L.C., OCALA, FL Branch
State: NY

Complaint narrative:
I had complained about this previously in complaint number XXXX. I have now paid in FULL the entire about of the judgement filed against me, which by the way was three time the original debt, which they purchased for pennies on the dollar. I called the court yesterday to find out the status of getting my bank account hold released since I completed the payment of this judgement in XXXX. And I received a statement from the court showing a XXXX balance due, listing all the payments made and the amounts. I was told that the collection agency is looking for MORE money. {$47.00} to be exact. And the woman from the court was going to make a second call to them to find out the status. And would call me back if she made any headway. Needless to say I did not hear back from her. I also went on the website NJ courts to see the status of the docket. The case status shows as closed. The Proceed status shows as completed. And there is a XXXX type of " Wage Exec Iss '' that shows as ACTIVE. My wages were never garnished. And I would like to know why this is active. And how I can get a COMPLETE release from XXXX and XXXX stating I have COMPLETELY and TOTALLY satisfied any and all judgement and dealing with them. XXXX XXXX XXXX ( the account they levied on in XXXX XXXX ) will not allow me to close that account as they are saying they have received NO paper work stating they can remove the levy. Meanwhile they handed over the {$2400.00} or so dollars to the court and charged their {$120.00} in legal fees. I have now paid close to {$4000.00} for a debt that was originally {$1300.00} and I am still Being EXTORTED by this company. Their behavior is criminal and their tactics are shady. I want this done. I want a complete release from them and I will not pay them XXXX more penny. As this is unfair and unethical treatment. They are taking advantage because they know where I work and how detrimental a problem like this could potentially be. This is the worst form of legal extortion I have ever encountered. XXXX and XXXX and Cypress financial ( another arm of their corrupt marginalization ) should be disbarred. Who ever heard of lawyers collecting debts for THEIR own profit. There should be so legality against this. I want the wage garnisment closed, erased, destroyed, however it is done and this docket closed. The docket number is XXXX. Everyone should know what a fraud this firm is. I am SURE I am not the first nor the last to complain about their unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: TX

Complaint narrative:
I 've called XXXX XXXX company to complain that the account has never been late past 30 days. They 've looked into their system and confirmed, yet the mark is showing 30 days late as of XXXX XXXX. Please investigate and have them update all there credit report agencies. the amount past due at the time was {$430.00}

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