vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ Pressler & Pressler , LLP ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency since XX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, XXXX Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX  tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX , XXXX in the matter of their client : XXXX XXXX XXXX XXXX XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX Pressler & Pressler File #, Account # or Docket # ( ( ( XXXX ) ) ) PRESSLER & PRESSLER , LLP : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
XX/XX/2018 Today, I tried to resolve a credit card issue with XXXX XXXX and their Collection Agency, XXXX XXXX. My mothers account was canceled several months ago. The statements were being sent to a different address than hers in Florida. 

XXXX XXXX said they sent the account to their collection agency for non payment. I called the Collection Agency and tried to resolve the matter and the collection agency wanted to speak with my mother who is XXXX XXXX XXXX. They started arguing with her and harassing her and demanding to get her bank routing number. I told her not to give it because they would not send any records of her charges and dates. They demanded to get her bank routing number and would not even take a credit card # to pay the outstanding balance. 

I am filing a complaint against XXXX XXXX and XXXX XXXX for treating customers this way, especially vulnerable elderly people.

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 2018-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I am currently paying a mortgage with Ditech Financial LLC. There are four missing payments on my credit report that I have made on time. XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I also have 9 missed payments reported on my account which is impeding the growth of my credit score. I understand how gravely important it is to make payments on time and have displayed that over the past year in which I have not missed any payments and was hoping for forgiveness on some mistakes I made in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XXXX XXXX without warning reported on my credit report false information, that I owe XXXX XXXX, $ XXXX.and XXXX collection agency called for the sum of {$XXXX} which I paid half like a dumb, without receiving any letter, just phone call from XXXX XXXX ( something like that ) because I was scared for my credit report. As XXXX XXXX did to me without warning, letter, phone calls,, which is a shocked to me, as they are ruining my credit score. 


I tried to call them and told them I switch to XXXX, from both companies, since the contract with XXXX was over and XXXX  was too expansive so as you switch they could not charged me anything except for one XXXX that I already paid more than {$XXXX} since XX/XX/2016 to XXXX, plus all the charges, fees, etc with a total of {$XXXX}. 

It is a nightmare to switched! 

Even XXXX was a nightmare as they promised to pay the final bill but they never did so i terminated my contract for lack of network, thank God I knew that now, but still, XXXX never returned one of my devices, nor paid me, and never fulfill their add promised, with switchXXXX!!! That is why I am in a mess today with XXXX and XXXX. 

But as I switched, XXXX  and XXXX, could not continue to charge me, as I do not owe them anything its the reverse for XXXX, and XXXX these tremendous amount of money. 

I called XXXX, XXXX, to tell them I switched, but XXXX said that my contract was signed under a lease, either I returned the devices, either I pay. 

I answered I did not signed a lease, I sign a buying contract, so if your agent made me signed something else she is a fraud, and you need to find her to pay you! 

Also I should had terminated my contract a long time ago ... since the law permit consumer to terminate any contracts who does not have any network, as their network tower was not working with any of my phones, as XXXX.So I had to use WiFi, for 2 years   not knowing I could stopped my contract with XXXX. 

So you are the one who owes me $ XXXX+ ( XXXX ) No they still say the same thing over and over. I wrote to the XXXX XXXX XXXX XXXX XXXX, and his son, but they doesn't read their emails, since its a false email, but their agents does, and call you. 

Which again is a scam and a rip off, from XXXX. Cant believe the CEO as an automatic answer, saying he will help you etc. No, its all false. 

So I need help please to get back my credit report clean by XXXX XXXX XXXX, who reported false information without calling me first, writing to me first, like XXXX    to all my 3 credit report. I want to Sue all 3 companies to make false promises, false contract, breach of contract, ruining consumers credit report, etc : and I want all my money back! How can you help us? Thanlks 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 2018-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.

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 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.

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 2018-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax is not providing me approriate verifying information in an investigation provided by a company by the name of XXXX XXXX. They are reporting on my credit report a bill from XXXX XXXX without supporting documentation that it was me, ex. signature, procedure, etc.. I have sent three seperate letters asking Equifax to remove from my report if they can not provide me supporting documentation into the investigation verifying that this said bill is me. Under FCRA I have a right for supporting documentation of an investigation. It is also stated on their reply letter of that request, stated ( Notice to Consumers ) Dates are XXXX and amount is {$420.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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 — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with XXXX. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.

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 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
This XXXX XXXX XXXX was included in Chapter XXXX Bankruptcy discharged on XX/XX/XXXX I recently learned the debt has re appeared as a derogatory account still owed on all three credit reporting agencies on both mine and my wife 's credit reports, even though the original account was in my name only. Both names are on the discharge. Then on XX/XX/XXXX I received a collection notice from Diversified Consultants claiming the dept is now owed in the amount of {$860.00}. It appears to me that XXXX and the collection agency may have assumed the discharged debt would not be noticed, in an attempt to repost and collect the debt illegally. 

The collection agency ; Diversified ConsultantsInc XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my Chexsystems report from XXXX XXXX XXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to Chexsystems report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: AZ

Complaint narrative:
I contacted Equifax about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXX is reducing my credit because of these additional inquiries. I 've talked with Equifax twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either. 

XXXX and XXXX were contacted because of the same issue and all 3 still report similar information in error. 

I make a six figure income, have well over XXXX credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit .... 


What can I do about this legally? Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: CA

Complaint narrative:
I have been a business customer of Wells Fargo since XXXX with multiple accounts, on Tuesday XXXX I received a letter from Wells ( attached ) and a cashiers check for erroneous fees with interest ( reimbursement for one of my wells accounts that was closed, I am still a wells business customer ) Because of the high amount of the cashiers check I called the number on the letter and on the cashiers check and they verified that it was correct. I am still a customer of wells so I went into a branch to speak to a banker about it, they contacted the wells department that issued the cashiers check and the branch manager ( XXXX, XXXX XXXX Branch ) spent 30+ minutes on the phone with the corporate office reviewing my account and they verified that the payment from wells was accurate and it was from the overdraft fee case. I asked for a reconciliation of the payment but they could not provide one but assured me it was accurate. I deposited the cashiers check into my wells business account and once the funds we released and cleared, I proceeded to make payment to creditors of mine and settlement agreements and I released the funds for those payments from my account. The following afternoon I logged into my wells account and found it was XXXX. The cashiers check from wells that cleared was removed by wells with no explanation. With my account XXXX over drawn, I contacted everyone possible and was told that the resolution department is looking into and that they believe it was a bank error and that it happened to hundreds of customers, finally a week later I received a letter in the mail with a " substitute check '' with a notation on it that said it is a legal document to be used in the same way the original cashiers check could be used. I called the automated phone number on the cashiers check and the was told that the item was reported as lost, stolen, or damaged and stopped. I did not report the item as lost stolen or damaged Finally yesterday I received a call from XXXX XXXX from Wells Fargo stating that it was an error but they will bring my account to a XXXX balance and send me a XXXX for the funds. This is appreciated but I am unable to undo the settlement agreements that I made with creditors once I was given the funds from wells Fargo via cashiers check.

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 2018-01-25 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.

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 2018-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Evergreen Acquistions, LLC
State: CA

Complaint narrative:
Was contacted and left message informing me t

hat I was to pay and old pay da y loan with Evergreen Acquisitions that represented some lawyers. Debt was said to have been bought off from original lender and was now their righ t to claim all due debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
New information based on CFPB, XXXX, we sent out a debt validation letter on this property with loan number ending XXXX. This is the information they sent back. 
The debt was not validated and they are collecting the 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