vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 (  b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ). 

Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial. 

Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy. 

Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable. 

Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees. 

NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION. 

Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I went to a doctor on a referral from my primary doctor. The referral was issued so it could be billed to health insurance. The doctors office did not submit in a timely manner so it was rejected. The doctors office send to collections with out trying to resolve first. I never was contacted over the matter by doctors office or collection. I see it on my credit report and call ASAP. Did not try anything to help. Because of a lazy doctors office and a scammer collision agency it gets charged off and credit ruined when the bill would of been paid in full. No penalties to any one just the me. Please help me resolve this. I should not be punished or anyone in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: CA

Complaint narrative:
FedLoan servicing can not provide me with any options for paying my loans. My income is too high for income-driven repayment, but my debt burden is too much to make another {$1000.00} payment every month. I have called countless times to try and work with them, but I just end up going into forbearance. It's about to drive me to XXXX, since my credit score has gone down due to missed payments, and they will not make a Goodwill adjustment despite having kept up with them for the past four years, so my credit score isn't high enough to refinance. I don't know what to do. 

Also, it's disgusting that they along with XXXX encourage XXXX XXXX XXXX to take out this much money when they have no idea what they're getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I had set up a transfer of funds from my account at XXXX XXXX XXXX XXXX into my checking account at USAA Bank. The transfer was done through XXXX on XXXX XX/XX/2019 via electronic Check Transfer in the amount of {$220.00}. The money was in fact sent by XXXX XXXX XXXX XXXX and received by USAA Bank on XXXX XX/XX/2019 with the Check Clearing and the funds debited from my XXXX   account on the XXXX of XXXX. ( See Canceled Check ). My USAA account was never credited with the transferred funds. I called USAA Bank 4 times. XX/XX/XXXX, XXXX, XXXX and XXXX. They first claimed the check never arrived. I had previously received and uploaded a copy of the cancelled check to the USAA Web site. USAA told me they couldn't see the uploaded Check. The 2nd time I called they claimed the transaction was rejected and they check was never cashed. I Emailed XXXX XXXX XXXX XXXX that night who responded and verified the bill pay transaction. XXXX confirmed to me the check was sent/transferred and cashed by USAA. The 3rd time I called USAA once again were back telling me they never received the check transfer on the XXXX of XXXX. The 4th and last time I called I had previously asked for and received assistance from XXXX XXXX XXXX XXXX and XXXX. I was actually on the Phone with a representative from XXXX XXXX XXXX XXXX and XXXX XXXX when I called USAA Bank. The USAA Customer Service Supervisor said they were able to see the check but could not validate it was cashed. Argued with the XXXX XXXX representative on the Phone and refused / would not credit my USAA Checking account. USAA stated they would have to call me back within 3 business Days while they further looked into the matter. USAA never contacted me by mail nor called me nor have they credited my checking account as of today, XXXX XXXX, a full 30 days after the check transfer was received and cashed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Eqifax and XXXX XXXX havent sent credit report allowing use and fraud to continue on account and mot disclouse settlment aggrements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I received an unauthorized inquiry on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank didnt call me or investigation correctly and they refused to call me thru XXXX and they feel that third party and being discriminated by hearing impaired without any explained and make up the story and not to bother and record by sign language interrupter thru fcc law requires for all company to used it but they refused to do so and very strong discrimination and deceived by staffs and I deposit the check was fraud by loans dept that capitalone bank told me to go head deposit and do it and capital one staffs made false statement with me no reason That banker is very rudeness and refused to calls or check with me first and I already filed police report against capital one bank staffs for giving me false statement by banker

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CT

Complaint narrative:
XXXX payments contacted me because payments set up for XXXX were not processing on my card. As soon as I was notified of what was happening I paid in full. Ive been working with XXXX XXXX and had no idea this was happening. They said they tried calling me, but Id recently been getting bombarded with telemarketing calls about health insurance so I was ignoring out of state calls. I also just moved which I can also prove, so any mail came to me very late. Please help. This wasnt purposeful and it hurt my score XXXX points. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
The name on the bill was misspelled and they had the wrong adress I returned a piece of equipment after they tried to charge me to much but they wrote it as if I made some type of payment I have a copy of what they sent

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 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
On Friday, XX/XX/2019, I called in to make a payment by phone. At that time, I authorized a payment in the amount of {$2000.00}. I was given a confirmation number ( XXXX ). On XX/XX/2019, I checked my banking account and discovered that {$4000.00} had been withdrawn for payment. I did not authorize that amount. I want the funds returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit is very important to me and I had some severe health issues and was hospitalized. I tried working with the creditors but I received no help. I filled bankruptcy and I still have old things from that on there. I'm at a complete loss on what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 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: ACS Education Services
State: TX

Complaint narrative:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a zero balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX  is and has always been in good standing but XXXX is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: OH

Complaint narrative:
I was making a deposit to Kraken.com I followed the wire instructions. 
I wired {$14000.00} to XXXX XXXX XXXX XXXXt from XXXX XXXX the fed transmitted it ( XXXX # XXXX ) on XX/XX/19. 
I received {$240.00} credit in my account instead of the {$14000.00}. 
I opened a case with kraken. ( ticket # XXXX with XXXX ) They said they would look into it ... 
days went by. I didn't get any response when I asked for an update. 
I finally wrote about it on XXXX and then I got a response that they would look into it. 
Tuesday XX/XX/XXXX I finally got a call from XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX She said the fedwire file was corrupt so I got credited with someone else 's wire and that my wire wasn't credited to anyone. 
She said that XXXX  XXXX would get my money and then credit me ... This was going to happen by Friday the XXXX. 
Friday she called me and said they ( XXXX XXXX ) wanted to get a corrected file from the Fed and make sure it was crediting the right people and that I would get it tuesday. She said she would call me back Tuesday as well. Well no one has contacted me from XXXX, XXXX, or XXXX XXXX since. My {$14000.00} remains missing. 
Other people have told me about cases where their money was missing for weeks and questioned XXXX XXXX XXXX money management. 
I am really worried and don't know what else I should do Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the 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 explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XX/XX/XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XX/XX/XXXX is and has always been in good standing but XXXX is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TX

Complaint narrative:
Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XXXX is and has always been in good standing but XXXX is the 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 non-monetary relief
Consumer complaint received 2019-09-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

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 2019-09-06 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: TN

Complaint narrative:
I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

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 2019-09-06 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: TN

Complaint narrative:
I have submitted police reports to all three bureaus stating to them that someone stole my identity. I was waiting on directive from attorney before submitting police reports. I have disputed these items time and time again due to identity theft. I wish for these items to come off of my report immediately. I am seeking a resolve in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
History : My mother passed away in XXXX, leaving a home and mortgage to my brother & myself. After her money was depleted, I personally began making the payments until I could no longer financially afford the payments. Due to the recession, the real estate market has never rebounded where the house is, plus it is overbuilt [ 7500 sq house on 18 +/- acres with private lake in rural area ]. Upon ceasing payments to XXXX XXXX [ XXXX or XX/XX/XXXX ], the loan was assigned to Bayview Loan Servicing , LLC. Bayview is a collection company. However, I have been completely up front with them, requesting a deed in lieu. Upon my brothers death, his 50 % was left to his XXXX adult children. It was discovered than XXXX nephew has a large judgement against him. I immediately notified Bayview that a foreclosure would be necessary. In XXXX, I was told everything was fine for the deed in lieu. After a more thorough title search, Bayview discovered my nephews judgement. I provided the necessary info to allow nephew & Bayview to communicate, so Bayview 's legal team could negotiate with XXXX XXXX regarding the judgement. Nothing has happened. Bayview has not maintained the property, yard, etc. I have still been paying the utility bills. My & my nephews emails are not responded to, nor are calls. The property looks quite abandoned. Bayview has not followed the promised procedures, etc. 
I have never had any credit problems, so have no knowledge of the processes. I do believe that 1 and 1/2 years is TOO LONG for this process to take. 
XXXX XXXX # XXXX in the name of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, VA XXXX ; Bayview Loan Servicing loan # XXXX ; current contact is XXXX bayviewloanservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX account is being falsely reported in an attempt to re-age the account. 
Ive disputed this account numerous times with no change. The account should be deleted immediately for false reporting. 
They are reporting the last payment date as XXXX but charge off/XXXX date as XX/XX/2016. 
This should have been noticed if there was really an investigation into my complaints.

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 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
Account showed up on credit report. No prior communication received. Asked company to validate debt. All they provided was a balance with no invoice stating where balance came from and a copy of a lease. Did not receive anything stating company’s right to collect this unverified debt. Credit score is harmed by invalidated debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation