vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Someone took out a huge debt in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC
State: CT

Complaint narrative:
I sent multiple letters to XXXX XXXX Bank in regards to a debt they say that I owe. I never received any proof that I actually owe this debt after sending multiple letters requesting such proof, however, I did receive notification from a collection agency. ( direct recovery services ) I ended up paying a settlement to keep the collections agency from reporting to the credit bureaus. They stated that if I didnt pay, it would be reported negatively on my credit report. 

Now this company is saying that this debt was sent to another collection agency ( XXXX XXXX XXXX ), even though I paid the settlement amount with the other collection agency ( Direct Recovery Services ). 

I have included proof of payment for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by TRANSWORLD SYSTEMS INC ( XXXX. XXXX XXXX XXXX, DE XXXX ). I have made attempts to rectify this matter with them directly, but they have now been unresponsive. I spoke with a few representatives by the names of XXXX XXXX, XXXX XXXX, & XXXX XXXX all who gave me different balance amounts. It took over an hour to find the alleged account belonging to me. When I spoke with Supervisor XXXX XXXX, she stated she would fax me all information regarding the alleged dept. I received a fax ; however, it was only for a settlement offer which I did not request. This led me to believe TRANSWORLD SYSTEMS INC is in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. I have no obligations to which they failed to provide any evidence of. I called again and spoke with XXXX XXXX to retrieve a fax number to forward the Management Department a Debt Of Validation letter. I faxed her the documents on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after notifying them, I still haven't received a response. I respectfully asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$2100.00} ). I have never made any agreement with them or the original creditor to pay this alleged debt. I was also not properly notified of this false reported debt. I am requesting TRANSWORLD SYSTEMS INC to permanently remove my information from their systems and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, TRANSWORLD SYSTEMS INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not removed and updated immediately to all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ), I will be pursuing legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
Meade Recovery keeps reporting to my credit. There are two accounts they keep reporting. They were included in my bankruptcy. I have put hours of work into this. It gets removed and put right back on. They provided me a letter that there are no accounts with them whatsoever at this time. Please help me. This has cost me a great deal of problems and money when trying to build my credit. I qualify for loan and then they decide no. I have terrible credit cards because of this issue. Also XXXX XXXX XXXX  keeps showing the incorrect balance. It has never been over the limit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed 3 complaints with General Revenue Corporation and XXXX XXXX has illigally denied my access to copies of any contracts, bills, statements or records that show that I owe any balance to Indiana XXXX or General Revenue. The only documents that XXXX XXXX from General Revenue Corporation are collection bills for the amount of {$450.00} and a collection balance {$90.00} totaling {$540.00} I believe your company has violated several of my consumer rights. Specifically, I have requested General Revenue Corporation upload copies of all documents already sent and any response to this notice through the Consumer Financial Protection Bureau Portal with the response- If you have the documentation needed legally and have already sent it in XX/XX/2019 to verify that this debt is owed to Indiana XXXX and that you have the rights to collect on behalf of Indiana XXXX . ( FDCPA ) 15 USC 1692f 809 ( A ) ( 4 ) ( B ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. 

General Revenue Corporation is trying to collect interest, fees, or other charges on top of the charges they accuse, is illegal according to the Fair Debt Collection Practices Act ( FDCPA ) 15- USC 1692f 808 ( 1 ) Unfair Practices- Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive proof requested above by mail and by uploaded response to the Consumer Financial Protection Bureau XXXXomplaint Web Portal, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

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 2019-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I sent XXXX to Coinbase Pro at the bank account their website ( XXXX XXXX XXXX ) advertises : Account Number : XXXX XXXX   : XXXX Bank Name : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Address : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX This was sent 10   days ago ( XXXX XX/XX/2019 ). My bank has confirmed that it arrived in Coinbases account. Coinbase have not answered my support ticket ( except for generic copy and pasted responses ) which was raised 5 days later. I called their customer support on Thursday ( XXXX XXXX ), Friday ( XXXX XXXX ) and Monday/ today ( XXXX XXXX ). They respond in rehearsed answers and do not tell me whats going on. This is the second payment that they have taken. Another one being made to their XXXX account on the same day that my bank confirmed was deposited into their account within an hour. 

I think they are holding customer funds to use for their own liquidity. Internet forums are full of similar stories with Coinbase. They have the worst reputation of all cryptocurrency exchanges. I should of read the forums before sending my money to Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
Sunrise Credit Services Company has called repeatedly in regards to a collection account that I do not owe. They have been calling since XX/XX/2019. I spoke to the company XX/XX/XXXX, and they were unable to verify my name and and address, and had an Address on file Ive never lived at before. They had stated that I am not the person they are looking for, but they are still harassing me to this day.

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 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have submitted 3 separate disputes via Consumer Financial Protection Bureau against Transworld Systems # XXXX # XXXX # XXXX. 
I believe your company has violated several of my consumer rights Specifically you : Failed to validate a debt at my requestFDCPA violation Continued to report a disputed debt to the CRAFCRA violation Continued to attempt to collect a disputed debtFDCPA violation Ignored my cease and desistFDCPA violation Not only have you ignored my prior requests for validation of debt but also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature License proof to collect debts in my state As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summons to court or take action against you. 

I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX/XXXX  XXXX  : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  USA : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on XX/XX/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 2019-07-01 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: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I made an electronic payment to XXXX XXXX for {$160.00}. I received an email confirmation during that evening. On the morning of XX/XX/XXXX I saw in that email confirmation that the transfer went to Discover, not XXXX. I called XXXX as soon as they opened. I was informed that I needed to wait until it processed to have it reversed, as they could not stop the payment at this time. 

I checked the status multiple times and as soon as I saw it cleared on XX/XX/XXXX, I began my struggle and every other week conversations with Discover ( an account I do not have and XXXX XXXX. I spoke with multiple representatives, in varying departments ( customer service, disputes, resolution, escalation, payments ) at Discover - mostly frustrated but a couple times feeling this is finally over. Then after a couple months the charge is back. XXXX, at XXXX in XXXX XXXX, Ohio has been great through this whole thing - even in XXXX/XXXX on a three way call with myself, XXXX, and XXXX ( from Discover resolutions ) - thinking this time was the end, but not. 

XXXX did a reversal and put the money back in my account on XX/XX/XXXX. Then that was reversed and taken back out on XX/XX/XXXX. 

Discover processed a temporary credit for missing payment of {$160.00} for missing payment on XX/XX/XXXX, then reversed on XX/XX/XXXX. Then again processed a temporary credit for missing payment of {$160.00} on XX/XX/XXXX, then reversed on XX/XX/XXXX. 

That brings us to today, the money is gone from my XXXX account, Discover says the account does not exist - even though I have given them the exact account number, electronic transfer information and have the correct address and all information. I have faxed them bank statements, transfer reports, various information requested multiple ( repeated ) times. ( That is {$1.00} per page and going to the library every time ). The most recent of those on XXXX, XX/XX/XXXX ( I have the transmittal confirmation ) - there have been many others and e-mails. I have spent so much time on the phone - receiving and calling. It has taken valuable time away from my family, work, and life - not to mention the frustration, anger and resentment created. 

I expect the credit to be applied by Discover and compensation for the time lost due to the constant contact with them ( and XXXX ) during these last almost nine months. If you need any additional information please contact me at XXXX or XXXX. 

Thank you so much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: NY

Complaint narrative:
Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX  : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  XXXX : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX  XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-01 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-07-01 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: NY

Complaint narrative:
Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX  - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX/XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX/XXXX USA - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2019-07-01 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: NY

Complaint narrative:
Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
On XX/XX/2019, we experienced an act of nature that caused damage to our home. After receiving and sending the insurance claim check to PHH for processing ; PHH has refused to issue us the funds. Due to the issues we were experiencing, we reached out to the XXXX XXXX XXXX and our congressional assistance. Once receiving letters from these two organizations, everything 'magically ' appeared in their office, waiting for us to sign and fax back in ; which we did on XX/XX/2019. I am attaching the letter that PHH sent in response to our complaint and the response letter that our daughter sent also. In the response letter and supporting documentation, it provides the numerous times we have provided the requested information to PHH. 

Since this time, none of us, including the contractor who will be doing the work for us nor our insurance claim adjuster have been able to contact any representative within the Loss Draft Correspondence to learn when our funds will be released. Therefore, we continue to be displaced with no timeframe for when we can begin making the necessary repairs to move back into our home. 

Furthermore, given the current climate in the United States, as it relates to XXXX, if individuals working for PHH Mortgage are purposing refusing to release the funds ( which should be released into the homeowner 's name ) because we, who are elderly, XXXX American seniors are hiring a XXXX owned company to complete the repairs to our home. 

Is there anything that the CFPB can do to end the predatory lending and business practices of this company?

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