vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I disputed this collection account with all XXXX credit bureaus multiple times the latest date being XXXXXX/XX/XXXX. I have a collection account for the amount of {$770.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas XXXX XXXX which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a XXXX bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX of State. Furthermore, Sec. XXXX92.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas XXXX XXXX XXXX XXXX XXXX  as well and I request the immediate removal of this trade line from all XXXX credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
my loan servicer is seterus.they have over charged me for over a year on my school taxes. i received MY XXXX STATEMENT AND IT STILL HAD THE OVERCHARGED AMOUNT IF I DONT PAY IT I HURT MY CREDIT my mortgage servicer is seterus. in XXXX i received a letter stating my taxes went up. i checked with the town clerk and brought my statement to her. she told me they had been overchargeing me for over a year. i called seterus and they said they would refund the difference to me. my next mortgage payment still has the wrong amount. i called and got no where. if i pay the correct amount it will hurt my credit. im in a no win situation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: VANGUARD FUNDING LLC
State: UT

Complaint narrative:
I have a brokerage account with XXXX XXXX. The firm is generally quite consumer friendly in most of its activities. However, every time a customer places a trade, they are forced to a screen that attempts to force the customer to accept Electronic Delivery of all documents. I understand this is what the company desires, but their methods are very poor. The screen offers XXXX choices, with the default that this and all future documents be delivered electronically. The second choice is the one I choose, which is this trade confirmation, and all future trade confirmations be sent electronically. The final choice is to send this confirmation by mail. These choices are prudent periodically, but the company forcing this screen every time is not right. It would be easy for the customer to click past accidentally, just once to the default setting that Vanguard desires. And by putting this practice is place for every transaction, Vanguard is willingly disregarding the choice of " and all future transactions '' by forcing the screen on every transaction. 

I have called Vanguard XXXX regarding this screen. Once was several months ago, and they said they had recorded my choice and the screen would not show in the future. However, nothing changed, and it still forced the screen selection on me after every trade. I called again on XXXX XXXX, and spoke with a representative who stated that my choice had been recorded and the screen would not be forced upon me in the future. I made a trade today, and the screen is still mandated by the company. I have no faith in Vanguard making any changes to actually allow the customer choice to be the customer 's choice. I feel that other customer 's are either making an incorrect selection at some point to get to Vanguard 's desired selection, or give up trying to make another selection due to Vanguard 's purposeful repeated asks that just wears them down. I urge the CFPB to research this practice of a financial institution creating purposeful annoyances for customers to try and not have them make an informed decision.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX. I was taken to XXXX XXXX XXXX hopsital i was in pain but did not know what happen next thing i was told I had a XXXX XXXX that need it emergency XXXX but they needed to put me on XXXX for 2 day and XXXX for pain the medication i was given was very strong. i was completely out i can not remember nothing after the day i got there.they perform XXXX i was in the hospital for 10 days. 

You see my insurance at the time will pay ofter the 6 day 100 % for semi private rooms. while at the hospital and under XXXX XXXX I did not know nor was i ask to be put on a private room i have try to fight this with the hospital and XXXX did not help me at all. so i was told I had to pay the bill i told them since I am XXXX and with Social Security all i can pay was 10 to 20 dollars a month they agreed. so i have being paying on it. 

They i started getting call by XXXX XXXX XXXX from a collector telling me that the hospital refuse my payments even do they got the money and i had to pay the whole bill now i got a letter from an attorney asking to pay the full amount or they are going to press charges against me. the Law firm i got the letter from is Sheer, Green, & Burke, CO. L.P.A.they are base out of XXXX Ohio . I live in Texas. Their customer is XXXX XXXX XXXX XXXX XXXX TX can they take me to court or arrest me for this? and I was also told they are going to damage my credit. 

I do not what to do. 

XXXX XXXX XXXX XXXX XXXX 
XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Since our XXXX XXXX away we have been attempting to seek assistance from SLS in order to avoid foreclosure on our family home.we have applied to SLS for mortgage modification, deed in lieu and short sale multiple times.We recently requested the dollar amount to reinstate the loan.In a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX7 was {$79000.00} plus legal fees of {$1000.00} and corporate advances of {$3100.00} for a total of $ XXXXIn a letter from SLS dated XX/XX/XXXX the amount of payments due through XX/XX/XXXX was {$79000.00} plus legal fees of {$210.00} and corporate advances of {$3100.00} for a total of {$82000.00}. 
How can that amount be less than one week earlier? 
How much of the {$79000.00} is allocated to principal, interest and escrows? 
How can SLS charge twice for principal payments? 
The language " the amount of payments due through such and such a date is confusing to us in that it appears as though SLS is attempting to illegally profit from our mothers estate by inflating and or muddleing the dollar amount to reinstate.

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 2017-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A hold was put on my cashier 's check and when i called the local Wells Fargo branch I spoke with the branch manager XXXX. XXXX manipulated government regulation and made it sound like she was giving me {$5000.00} of a cashier 's check as a courtesy. When actual regulation requires the bank to give me the XXXX  dollars. Needless to say I feel like I was misled by what actual Federal Regulation is.

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 2017-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Contacted WellsFargo on XX/XX/XXXX to fix problem I noticed.

They said 2-3 days to fix Received collection call next day. XX/XX/XXXX Spoke to executive office. They called would for sure stop. And problem being worked on.

XX/XX/XXXX received another collection call.

Problem still not resolved.

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 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I did n't in contact with multiple people at Wells Fargo home mortgage. I have been given the runaround and been transferred to multiple different people. When I asked for payment arrangements, I was directed to XXXX. Who told me I need to submit all this paperwork from pay stubs, to tax returns, tax transcripts, etc. It appears as though I was either applying for a loan or doing a refinance, based on all the paperwork they was requiring from me and multiple people in my household. 

All I asked was for payment arrangements. That 's it, I do not understand why all those paperwork from multiple different people in the household just to get a payment arrangement. The paperwork they was asking me is so much. They want everybody 's paperwork in the household and they said I have to submit all that just to see if I could get approved. For payment arrangement only. 

When I said I rather just pay it off in full, I was directed to XXXX at Wells Fargo. She said she was looking into the extension and would be able to give me an extension for 30 days. However, I had to wait for her to call me back to see if that was okay. I had called her multiple times and have not heard back from her. I also have sent her an e-mail and she still has not replied back to me.. 

The money what I owe is due tomorrow XXXX XXXX, As of today nobody came back to me with an extension or even return my calls or emails. I am still asking for the extension. And I would appreciate if somebody would get back to me. I do not want to loose my home. I have my wife, children and the elderly person I need to worry about. They ca n't be left in the streets.

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 2017-10-24 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:
Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.

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 2017-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Viking Client Services
State: IN

Complaint narrative:
Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: CA

Complaint narrative:
My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24 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: Diversified Consultants, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I sent a certified letter to Diversified Collection in reference to them validating a debt. In this letter i asked for the the items that FCRA considers to be valid vaerication of this debt. In XX/XX/XXXX I received a letter from XXXX XXXX staying that they have spoke with XXXX and verified the amount owed. They also include a billing statement of the amount Im suppose to owe. Under the Fair Credit Reporting Act, 15 U.S.C. 1681 this is not a valid way to verify a debt. Under FCRA, 15 U.S.C. 1681 debt validation must include After receiving this letter, I sent another letter certified mail in XX/XX/XXXX. This letter stated that Under the FCRA, 15 U.S.C. 1681 a billing statement is not a Valid way of validating a debt. On XX/XX/XXXX I received a letter from XXXX XXXX with the exact same letter and the exact same billing statement as the letter I received before. By this company refusing to correctly validate this debt, along with continued collection attempts on this debt, and failure to remove this debt from my credit report they have violated my right under FCRA, 15 U.S.C. 1681. It has been more that 30 days since I asked for validation of this debt and Im seeking your help in forcing them to remove this items as required by this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: MS

Complaint narrative:
I filed a complaint with Experian asking them to remove ALL dispute comments from my credit report. Experian sent me the attached credit report as a result of the investigation. The letter lists several items under investigation that I did not even request. They DID NOT remove dispute comments from any of my accounts. 

I would like ALL dispute comments/dispute statuses removed from my credit report ( ALL accounts ) immediately. I am prepared to contact an attorney to file suit against Experian, as I have had several issues with this company in the past. I have circled the dispute comments in the attachment.

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 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF HAWAII CORPORATION
State: WY

Complaint narrative:
The bank returned my mortgage payment when there was sufficient funds in the account. 
The fees for returned items ( two times this month ) leave the account without enough money to reprocess the payment, even though there was enough money in the account when the check was processed. 

See XX/XX/17 - XX/XX/17 {$11.00} balance -- - no account minimum.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fraudulent transaction was made on my credit card on XX/XX/XXXX2017 for the amount of XXXX dollars with a promotional super check that was mailed out to my old mailing address where I would reside with my ex partner. The check was fraudulently used and signed with a forged signature by my ex partner. The check used was not filled out properly, therefore making it non-negotiable. Wells Fargo did not secure my credit card account at all by allowing this check to be processed. I have submitted a fraud claim and a reconsideration claim explaining why this transaction should be removed and cleared from my account but Wells Fargo keeps denying it with the reason that the signature on the check belongs to me, I have explained to wells Fargo that the signature is forged and is not mine. I feel wells Fargo is not taking the time to investigate my case thoroughly. I believe as a consumer I am entitled for my credit card company to investigate this matter correctly and not just use the reason of the signatures matching.

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 2017-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, a check was deposited into the XXXX XXXX XXXX XXXX XXXX TX BBVA Compass branch ATM. An hour later the deposit had not shown in my account. I called BBVA and spoke to a male agent who was said he was researching the deposit and put me on hold. After about 10-15 minutes of this, the agent hung up on me. I called back and spoke to another agent who said the investigation department was closed so I had to call back the next day. I called back today, XXXX XXXX, XXXX and reached a female agent. I was on the phone with her for 24 minutes and was on hold for about 10 minutes after I told her I need to speak with someone who can credit my account with the funds since they were sitting in the BBVA ATM. After I was hung up on, I called again and spoke to a male agent who finally gave me dispute # XXXX. He put me on hold and called the investigators department. He came back on the line saying they would not speak to me. I then spoke to the agent 's supervisor, XXXX # XXXX who refused to provide resolution. 

This money was to pay my driver. I am a new XXXX XXXX XXXX who does not have extra money sitting around to cover my driver 's pay twice. It was a malfunction of BBVA 's  ATM and I should not be penalized for 10 business days due to their machine malfunction. I want my account to be credited within 24 hours of receipt of this complaint, if not sooner, of the {$260.00}, which is the amount sitting in their ATM. 

This is the worst customer service I have ever experienced with slow, out-of-date processes, no consideration being made for customers being damaged financially due to their malfunctioning machinery, and phone agents who make it impossible to get solutions to help their customers keep their businesses running smoothly. This is not an institution that is in it to help small businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BMW Financial Services NA, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.

Company response to consumer: Closed with explanation