vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
M & T mortgage finalized my request for mortgage modification XX/2016. 
I recently applied for credit and I was denied because of the incorrect mortgage pay history that consist of my mortgage payment amount, mortgage balance, and open date of the mortgage that is being reported by M & T Bank on my XXXX, XXXX, & XXXX credit report. My mortgage balance and payment history is being reported incorrectly. Also M & T did n't report the terms of the mortgage modification agreement that is now my current deed. M & T Bank did n't remove the delinquent mortgage history after the mortgage modification was finalized.

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 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery associates, junk debt collector trying to collect on a debt that was discharged in bankruptcy in 2005.

Calls repeatedly numerous times of the day. Have explained the debt was discharged in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In CFPB Filing # XXXX XXXX XXXX XXXX XXXX stated that they CAN summarily make changes to a Mortgage without the PRIMARY signatories signature, by virtue of a Divorce Decree. In the Divorce Decree between myself and XXXX XXXX XXXX is a SPECIAL WARRANTY DEED, which is NOT THE same as a Quit Claim Deed. I have checked this with several Lawyers and even with the FBI. So, instead of fixing the problem, XXXX decides to CLOSE the offending case file, then open a NEW ONE, again without my signature. So, since XXXX XXXX XXXX can not pay on time, it shows up on my credit report. This is getting very tiresome, and this is exactly what XXXX XXXX was fined millions of dollars for, opening accounts without permission from those people. I want this stopped immediately. 

This is their response for Complaint # XXXX : We 've been unable to establish contact with you regarding you concerns about the credit reporting of your account. A Divorce Decree and/or Special Warranty Deed may transfer title to the property, but it does n't affect the original terms of the Note. Since you 're a customer under the Note, we 'll continue to report this account under your name to the consumer reporting agencies. On XXXX XXXX, XXXX, we mailed you a notice that we were making a change to our servicing system. We did not open a new account for your loan, we simply moved your existing account to another servicing system within XXXX XXXX. Effective XXXX XXXX, XXXX, your loan number changed from XXXX to XXXX. The account is currently due for the XXXX XXXX, XXXX payment. 

I have never been contacted with any of this information. Ever. I am willing to submit my home phone number logs ( XXXX XXXX XXXX or my cell phone logs ( XXXX XXXX XXXX as evidence in Federal Court to prove that they never bothered to attempt contact. As I am a XXXX XXXX XXXX XXXX, they have committed a Felony under XXXX XXXX XXXX. XXXX XXXX continually commits the exact same type of Fraud that they were convicted of in Federal Court. Also, they FAIL TO MENTION that they CHANGED the note WITHOUT my signature or consent, their OWN paperwork shows where my SIGNATURE is REQUIRED, yet they changed the NOTE at that point. 

The CFPB seriously needs to investigate this. I have contacted the FBI and HSI concerning this matter. They have BOTH said what XXXX is doing is ILLEGAL yet it does not meet their threshold for prosecutions. The CFPB needs to investigate and prosecute XXXX. XXXX can not have it both ways they can not deem my rights as primary signor null and void, materially modify the terms of the mortgage, and then set up a new mortgage account all the while telling me that I am still responsible for the note that is not the original note that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: CA

Complaint narrative:
On XX/XX/XXXX I called Discover card and reported fraud on my acct. 
3 separate charges were made in XXXX on the same day, XX/XX/XXXX, for {$510.00}, {$3600.00} and {$1500.00}. Discover card refused to remove the charges and will not do anything. I have sent 3 certified letters telling them these are not my charges and asking for some sort of signed receipt or proof that they have but I get no response! They just ignore me and keep charging interest. I have not even gotten a call to find out why I 'm not making any payments and it 's been almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 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: VA

Complaint narrative:
In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX  debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: IN

Complaint narrative:
On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Debt collector calling my place of work and home and a distant relative many times after they were told not to call back I have a XXXX child and they call non stop Today X/X/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Seattle Service Bureau, Inc
State: CA

Complaint narrative:
I owe a certain amount that I understand is to be paid and In good faith I am willing to take responsibility for my actions. I was properly notified about my debt owed in an ordered manner, what I did not agree on is the aggressive action took apon me of suspending my license if I do n't pay that same day of phone call without a warning or a letter notifying me the legal action. I was already trying to find income as far as getting a job to pay back my debt and was letting the agency know that I do not have money at the money at moment, I received a phone call from someone saying I owe XXXX that same day and if I do n't pay it he will suspend my license. I am XXXX XXXX months XXXX I am XXXX XXXX XXXX XXXX XXXX XXXX, I am also borderline XX/XX/XXXX which means I have XXXX XXXX XXXX and I am in n out of the hospital on top of everything happening to me and my life being at steak with myXX/XX/XXXX XXXX I am convinced to call my attorney and take this to court for stress and risking my XXXX XXXX life due to my stress. On top of that I am unemployed, have no car and I am a single mother living from home to home due to instability of support and financial reasons, I have absolutely no money in my bank account that I had to cancel my account. With that being stated I do n't agree with my license being put on hold for various reasons. How am I supposed to get a job with no license? How am I supposed to go to my doctor visits for my child and I and for the XX/XX/XXXX that I am going to have? I had respectfully told your agent that in good faith I will find money somehow that I do not have too atleast not suspend my license because that 's not the correct way of collecting. The collector did not sympathize with me at all did n't even let me talk once and if I did he said he did n't care about the situation and he 's still going to keep my license suspended. I need to take legal actions for myself and child when I do have a job or income I will pay back my debt but as of right now I have no options I 'm practically homeless need help myself to even have a burger how am I going to come u with XXXX. The collector 's name is XXXX XXXX. I hate to throw anyone under the bus but I am struggling to eve find a warm bed to sleep in at times I have a XXXX year old with me as well and I bend over backwards to make her happy and feed her with no money, while I sometimes starve which is n't good at all. All I want is patience and security that I know I will find some stability and handle this situation properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.

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 2018-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACS Education Services
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I sent out a debt validation letter to XXXX XXXX XXXX about account XXXX. They received the item on Friday, XXXX XXXX. 

They responded within 30 days, however they are still attempting to collect the debt from my, although it is past the state of Florida 's Statute of Limitation. Proof of there attempt to violate Chapter 95, Section 11 ( b ) of the Florida Statute of Limitations is attached, listed at the bottom of their document. They state : " This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose ... '' I have grounds to pursue legal remedies if this issue is n't resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I initiated a domestic Wire Transfer On XXXX XXXX, 2017 to XXXX/Coinbase in order to invest. The transfer was done from my husbands bank account to my Coinbase account for the amount of {$4000.00}. The transfer was rejected because of the name on both accounts did not match. They sent me an email saying they wire transfer will be reversed in 3-5 business days. It has been almost 2 months and the money is still not back in the account. Ive contacted them multiple times, and everytime I would get a hold of a customer service representative, they would disconnect the other line once they know what the issue is. Then someone would send me an email saying they have escalated the issue and someone is working to get it resolved and still nothing happened. A few days ago, I received an email saying that the issue has been resolved, but the money is still not in the bank account. 

I feel like there is fraud involved. The money was supposed to be invested on XX/XX/XXXX, but they held the money for almost 2 months and Ive lost a potential return on that. 

This company needs to be held accountable for the carelessness in handeling this case. The money must be returned ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.

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