vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
After I relocated, XXXX XXXX contended I owed them a final bill, and sold the debt to Collection Bureau of Hudson Valley. I was never sent a final bill by XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect the debt which was sold to them by XXXX. They called my mobile phone repeatedly, and refused to furnish proof of the debt when asked multiple times. Instead of providing evidence or documentation, they pressed me for my checking account information so they could perform an ACH withdrawal to cover amount of the debt. They recently obtained my home phone number and repeatedly called me even after I requested they cease calling me because they would not provide any documented proof of the debt. Representatives of this company would not send me any documentation including a bill, letter, or payment coupon. At this point, the only way I knew the amount of the debt was when it was reported it to the credit bureau - they still however failed to provide sufficient evidence to prove I was accountable for the debt. They have since caused my credit score to drop, and I was denied an education loan because the " delinquency '' was too recent. I called XXXX, and the manager was unable to disclose details and further discuss the matter as they explained the debt was being handled by an external agency. They also could not furnish proof that the debt was still owed. I was advised to call the Collection Bureau of Hudson Valley, and once again they wanted to access to my checking account without furnishing prof of an actual debt. In late XXXX 2017, I filed a dispute with the credit bureau to resolve or at least obtain documented proof of the debt, and I was advised by XXXX that the debt was valid and could not be disputed, once again no actual documentation was furnished. I asked for documented proof of the debt so that I could confirm it was my debt, and once confirmed to pay the debt. This has been ongoing for 7 months. Can someone assist?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: AR

Complaint narrative:
OMEGA company has give me a bad credit for two years. one payment was missed and with out telling me they ask for XXXX. for compensation for the loss. i found out this on a credit report.now in collection and/or write off. I would like this to stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Your case ID is : XXXX My name on my paypal account is XXXX XXXX and this is my paypal account.I am the owner of this account. I have {$420.00} in my balance that I need to get out. I have waited over 180 days for the release of my money as promised. You have no right to hold my monies forever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
In XXXX, XXXX, XXXX of 2014 we paid our mortgage via TD Bank bill pay. See bank statements. TD Bank pulled the mortgage payments from our account through bill pay to send to XXXX. Three months later we learned about the non-payments from a letter threatening foreclosure from our mortgage company. Upon contacting our mortgage company, research and investigation we learned TD bank was depositing our mortgage payments back into our account. The deposit did not catch our attention because the deposit would happen 2-3 weeks later, and in some case the re-deposit would occur the following month. As a result XXXX reported to the credit bureau that we were behind on our mortgage which affected our credit and we were kicked out of a loan forgiveness program that would have eliminate {$50000.00} from our mortgage principle. TD bank never sent us a notice notifying us the payments are being returned. TD bank did not make any efforts to communicate with us in a timely manner about the non-payment of bills. Notices should have been sent either U.S mail, email or account message within the online banking system. TD bank 's neglect has cost us more than a year 's salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX rules ( the lien has no SSN number and no DOB ). XXXX XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TX

Complaint narrative:
Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This is not my account and i was repeatedly harrassed to pay for this account debt!!! I have asked politely to be removed from the contact list and to remove the account but im constantly being ignored. THIS IS NOT MY ACCOUNT AND I WISH TO BE LEFT ALONE! They have no proof of me physically coming to get an account and therefore i shouldnt have to pay for anything i didnt get a product from. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY IM SICK OF THE HARRASSMENT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX my card was stolen and used for over {$1000.00}. I called within 2 days of the first charges. Discover assured me it 's 0 % liability and I have nothing to worry about. Later I was asked to get a police report and went online to file it, I gave the temporary report but it was n't good enough and they determined no fraud involved. I asked to appeal. Advised to get another police report, which I did. I called it in. Everything was assured to be covered under Discovers 0 liability. I received a new letter X/X/17 stating since nothing new was submitted case was closed again. This was incorrect because I submitted a new police report. In addition to the customer service notes showing I called to cancel and replace the stolen card in XXXX. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I was offered a settlement amout of {$700.00} on a bill in the amout of {$1000.00} from XXXX XXXX, phone numXXXX, which I paid on XX/XX/XXXX. I have called them on these dates:XX/XX/XXXX, spoke with XXXX XXXX,XX/XX/XXXX, spoke with XXXX XXXX/XX/XX/XXXX, spoke with XXXX XXXX & XXXX XXXX XX/XX/XXXX spoke with XXXX XXXXXX/XX/XXXX spike with XXXX XXXX, XXXX spoke with XXXX XXXX XXXX they have all told me that I will be receiving my receipt for my.settlement payment of {$700.00}. To date I have receuved nothing but a bill for the remaining balance from XXXX XXXX ( which was their client ), that was the bill I owed to XXXX XXXX. All I keep getting is the runaround every time I call. I have also called XXXX XXXX and again I am getting no where. I 've been told by Convergent that the letter has been expedited and emailed to me. Every time I call I am being told give it 7 more business days. Can you PLEASE help 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 2017-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had trouble getting a dispute through to Experian, involving a collection account on my credit bureau report that is inaccurate/not mine. Despite three attempts to get my dispute through to Experian via the CFPB, my disputes have been returned " duplicate '' disputes. This may be because I had already attempted to resolve the matter directly with Experian - to no acceptable result.
The matter involves an open collection account on my Experian bureau credit report - for XXXX XXXX - that represents a collection for a credit card I never opened or owned.
I have disputed this matter with credit bureaus XXXX and XXXX. They both have removed the XXXX XXXX collection account from my report, as their investigations found that the account is not mine. I am asking that Experian do the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I visited the XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, NJ, I got into a new lease on XX/XX/XXXX of a XXXX XXXX XXXX at a monthly rate of {$470.00}. I made a {$4500.00} down payment including taxes. At the same time of this lease, I was also trading in a new XXXX XXXX XXXX car that was purchased on XX/XX/XXXX for {$23000.00} with a down payment of {$5500.00}. This car was financed at 16 % for 72 months. I brought this XXXX XXXX XXXX back with XXXX miles. The rollover value into the new lease was {$6900.00} vs the car 's actual value. The remaining balance went into the cost of the lease impacting the monthly payments with negative equity from the previous undervalued, high value trade in. This car most certainly sold for more than I received as trade in value. My monthly payments are unnecessarily high, despite the car 's rates currently being advertised for less. Rates at {$200.00}. I 'm unable to get out of this lease into a better option by fault of the negative equity of the previous car applied to this current lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I keep getting calls and threats to damage my credit for this account and I have never used it before. Ive asked to be removed from this list and I am still being harassed. THERE IS NO PROOF OF ME GETTING THIS ACCOUNT SO DELETE THIS ACCOUNT IMMEDIATELY. Ive asked repeatedly to take this off my reports because I do not have an account with this company. PLEASE REMOVE FROM MY CREDIT REPORT AND AGENCIES WITH THIS INACCURATE INFORMATION!! IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from Capital One Bank XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I  called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX XXXX account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 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: TX

Complaint narrative:
Today I got a credit alert from XXXX and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe XXXX and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TimeMark Solutions, Inc
State: TX

Complaint narrative:
I contacted XXXX to pay my student loans and was asked why have I not gotten into a student loan forgiveness program, the agent that I was speaking to his name was XXXX. I told XXXX that I did not qualify for a student loan and he asked me a couple questions about my income and told me that I would be a good candidate he told me that to start the application it would be a payment of XXXX and three more payments of XXXX after that. He said that once I was done making then payment as long as my income stayed below XXXX a year that I would qualify to get my loans dismissed. He said that company that I would be going through would be with Timark Solutions witch is an affiliate with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Borrower mortgaged his primary residence in XXXX for {$450000.00}. The loan is presently either owned or managed by Wells Fargo and is in default. The sale date is XX/XX/XXXX. On XX/XX/XXXX borrower gave verbal authorization to Wells Fargo to speak with borrowers loan broker. The broker made 5 separate calls to Wells Fargo. The number they provide is a call center than has no authority other than to refer the matter to another department. The loan broker spoke to 5 different parties. Three of them acknowledged the authorization for the loan broker to represent borrower for one day. The last representative could not locate the authorization that 3 other representatives found. Most of them recommended that the loan broker speak with another department. In the first case he was transferred to a disconnect. In the second case he was transferred to unending music. The third transfer was back to the same call center. A fourth transfer was to an outside and apparently unrelated company. The total time spent trying to speak to someone at Wells Fargo was 2, 1/2 hours and was totally unsuccessful. Two of the representatives said that the sale date could be extended but the requirements were impossible to satisfy. A pair of representatives said that a loan modification might be possible but the loan broker was not transferred to the proper party, and it was almost certain that discussion of a loan modification would be futile. Also the rate would be unfair and punitive if it could be accomplished. It is apparent that Wells Fargo is stonewalling borrower, with the intent to go to sale so that borrower loses his home or a sale is postponed and borrower is forced to pay unreasonable rates for the near future. Equally troubling is that Wells Fargo is aware that borrower is a minority and is being treated unfairly, much more than a non-minority. Finally borrower has a new lender who will lend enough money to pay Wells Fargo everything they claim is due. This lenders primary requirement is that the notice of default be lifted. Borrower owes about {$470000.00} and the home is worth approximately {$690000.00} at market value. Borrower is also able to make the monthly payments as due, and would be far better able to make the payments on a new loan at market interest rates. Since borrower is presently making all payments monthly as due, Wells Fargo is not at risk of any loss at all by lifting the notice of default. The notice may also be invalid for legal reasons. This is bad faith on the part of Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX year old mother was recently diagnosed with XXXX XXXX XXXX. As a result, I took over her finances and noticed a recurring charge for XXXX XXXX against her Bank of America account for $ XXXX/mo dating back to 2011. My mother did n't know what this, but I soon learned that BofA had settled with the CFPB for what amounted to over {$700.00} XXXX in total. The problem is that they are still at it. They 're using the trust developed between consumers and their banks over decades to sell worthless services to vulnerable consumers. My mother was ensnared by the practice years before her XXXX XXXX. Her crime was trusting the bank she 's done business with for decades. It 's upsetting. In the 5+ years that she was 'enrolled ', they stole about {$700.00} from her and I 'm sure her story is repeated far and wide. It 's really disgusting. Luckily for us, {$700.00} is not a great deal of money, but I 'm sure it 's a lot for the many other victims.

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