vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: WI

Complaint narrative:
My account had a levy for a forgotten about ticket from years ago. On XX/XX/XXXX. Upon finding out about this levy the same day I immediately contactedTCF BANK for guidance and to either lock my account or close the account while the levy was in place. I u Der stood the levy could not be removed but the small window of time needed to cancel and move funds around madenitnkmpossible to stop everything from coming in. They were unable to offer an assistance or advice to assist me with the least impact of outstanding auto payments. They suggested opting into overdraft and other suggestions. But could not confirm if it would be effective. I can understand if they paid the actual items but they didnt and To date they have charged me XXXX dollars in overdraft fees and returned everything unpaid. How is anyone supposed to take care of this? They keep piling the fees on top of fees. The companies that were returned were kind and helpful to a long time customer and all removed the fees and helped schedule new payments. TCF offered no just assistance. So the negatives kept compounding sinking it further and further into negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 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: IL

Complaint narrative:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid 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 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid 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 non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX Pacific a debt collector for XXXX XXXX XXXX called from a fake phone number XXXX trying to reach my wife about a account that we canceled the day our 2yr contract was up with XXXX XXXX XXXX but XXXX XXXX XXXX failed to cancel 3 months down the road we  were getting phone calls saying we owed $ 600+ for non payment of the acct that we canceled but anyways their debt collectors are using fake phone numbers to get us to answer the phone using local numbers when In fact they're number is XXXX XXXX XXXX  and their excuse is they use these numbers ( spam numbers ) to save on long distance calling, when in fact I know they're using local numbers to trick the consumer to answer the phone because the chance of a consumer answering a XXXX number is slim to none because of all these imposters and scams but that doesn't give them the right to use trick numbers tactics to trick us into answering our phones, if they can't call with the appropriate number of their business then that tells me they are not professionals and will go to any length to collect a debt, also their business has been reported several times and that trick number has been reported on the do not call lists before, and the other thing is they wouldn't answer my questions completely with honest answers, this can not be ok for debt collectors to pull

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
refuses to verify debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Data Systems
State: NC

Complaint narrative:
I recently requested validation of a debt collections listed on my credit report under the company Financial Data Systems. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Financial Data Systems failed to include their NC license permit number ( XXXX ) on the stationery/correspondence form ( copy attached ) as well as the company 's TRUE address ( not a PO Box ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Financial Data Systems is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website.

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Financial Data Systems ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.

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 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In the XX/XX/XXXX, I was approved for a modification on a home that I have been paying on for almost 15 years. I made trial payments for three months on all three mortgages. I also had the help of an attorney during this tiime. 

It is documented, by Wells Fargo, and my attorney that the bank made false entries into my records regarding attempts to reach out to me and claimed that they were not able to reach me or were hung up on. This has been proven to be untrue. The bank has admitted fault in this regard. 

In XX/XX/XXXX, Wells Fargo requested that I submit finalized modification paper work. Considering the modification approvals a success, my attorney requested that Wells release representation from their firm. I called over and over trying to get my representative on the phone in order to ask questions regarding my paperwork on the 1st mortgage and have phone records showing my calls to Wells Fargo. I was finally able to get my representative ( XXXX ) on the phone. She explained that she could not answer questions or speak to me regarding my modification and and acknowledged that XXXX had received the release of representation from my attorney but that this had not been properly processed through the Wells systems. I expressed my concern with the date that papers were to be returned to Wells Fargo, she assured me that all was well and that she would call me withing a few days once the 'release ' was processed. Again, I asked about the date which was upon us for returning the papers and she told not to worry about the date and that all was well. She would call me soon and move things forward. 

After calling repeatedly, with no response, I was informed by letter in the US Mail that my modifications approvals had been retracted. 

Since then, I have been asking Wells Fargo to, through open cases to please review call logs and to reinstate my modifications. This has not happened. 

I borrowed money from family in order to bring loans current in XX/XX/XXXX. My intentions are to stay in this home and satisfy my loans. However, Wells has made this nearly impossible with their missteps. I need help through this complaint.

There is a pre-foreclosure hearing now scheduled on the XX/XX/XXXX. Please help. I do not know what else to do to get the lender to work with me.

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I have a payment required on my account due to unauthorized access to my account. 

I have attempted to pay this amount regardless, but Coinbase does not allow me to pay the balance due to technical issues. I can not add money to my USD wallet to pay. I can not go to the payment required page and pay by bank or out of my BTC account. I currently have XXXX or {$5200.00} in my account. 

Due to this supposed " Payment Required '', I am not able to send or withdraw my funds. This needs to be fixed immediately. 

I have contacted Coinbase repeatedly on the issues within the access of my account and they are not handling it in a timely manner. Cases are still open, but they continue to close cases and I have to reopen them via the support ticket. After calling 4 times, they just continue to escalate the cases only to be rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am going to make this short and sweet as I dont have much time. It would be much easier to speak with my husband or I about the situation as we are extremely busy trying to complete all of the tasks needed to get back into our home over 9 months post Harvey. We lost our home and the entire contents in Harvey ; left with a few clothing items and essentially have started our lives over. We have XXXX children ; ages XXXX, XXXX, XXXX and XXXX and both work in the XXXX XXXX field as XXXX XXXX. We do okay financially but definitely are not living extravagant lives. All of our money is going towards getting back into our home and will be for the next couple of years. We received FEMA full assistance among a few other small donations but when you sum up the amount lost, havent even come close to meeting the amount needed as we did not have flood insurance. Everything was moving along ; our mortgage company, XXXX was super understanding and did not require us to make payments on a home we werent living in for 6 months +! My husband had almost gotten everything in required for an SBA loan ; we were even going to be able to get an amount enough to cover not only our home repairs ( well over {$100000.00} ), but also add in our existing mortgage. All of a sudden we begin receiving paperwork from another mortgage company ( freedom mortgage ) stating that they had taken over our loan and we were IN DEFAULT! We began frantically trying to understand and fix the situation when all of a sudden on the day that we were supposed to close on our SBA loan, we were informed by the loan officer we had been working with that we were not eligible for the SBA loan due to being in default! Our SBA case manager has known from the beginning what was going on and said nothing. We were never in default until 3 weeks ago! We have now had to redo the application process among other things and to top it all off had to immediately come up with over {$11000.00} to get our mortgage that we were never told was in default current! We have no money left to pay for our home repairs and havent even begun to purchase furniture and are now stuck waiting hoping that this while SBA loan will work out. All of the things the disaster recovery assistance programs were supposed to provide for those like my husband and I have not been done ; there are numerous others going through the same thing as us if not worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: OH

Complaint narrative:
I have never received any DOCUMENTATION from Experian or XXXX XXXX XXXX. I have never entered into any legal contracts with this company. This is extortion this account is appearing 3 times and no documentations has been provided and this is the third complaint. No documentation was provided with XXXX XXXX or XXXX and the account were deleted in 30 days. I has a police report as well as file a complaint directly with the FTC. Under the provisions of the FCRA 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) this account is not accurate No Proof of Claim has ever been provided. The law is very clear as the Civil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I have no problem with filing a law suits, however I would prefer to have a deletion based on the facts, that stand before the current situation.

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CNG HOLDINGS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a loan with BEST BUY/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BEST BUY/CBNA with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I want to file a complaint against, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to XXXX XXXX XXXX XXXX. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
This complaint is being filed against Javitch Block & Rathbone debt who represent the creditor XXXX XXXX XXXX XXXX XX/XX/XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX XXXX XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX XXXX XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX and XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX and XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.

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 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I've had issues with Citizens Bank in the recent past. I don't understand why the math is always miscalculated in the banks favor, other than my belief that this bank taxes Customers who are living in poverty. On XX/XX/2018, J made a purchase at XXXX ( online ). While the order was shipped on XX/XX/XXXX, Citizens shows it as a sale on XX/XX/XXXX. I still had {$21.00} in my checking account. Fortunately, I was able to start using credit cards to keep afloat. However, my bank has charged me fees on not having the money in my account that should in fact still be there. I've been charged " fees '' of {$95.00}. However, I'm allegedly {$120.00} in the red. That leaves {$25.00}. {$21.00} is what the " magic math '' reads on my ledger on the Citizens App. I'd like not only my account brought back to good standing, I'd like a full refund of the {$120.00} they will take from tomorrow 's direct deposit paycheck. And, if legal- I'd like them to pay ME a fee for this hassle. {$35.00} would suffice. Thank you for your time and assistance. Please have a beautiful weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. 
My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. 

I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. 

My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. 

I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. 

I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.

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