vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Manley Deas & Kochalski LLC
State: OH

Complaint narrative:
In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XX/XX/XXXX placed forced placed insurance on the property creating a bill for the debtor in XX/XX/XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XX/XX/XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a XXXX injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX XXXX XXXX . 
Dear Mr. XXXX : On behalf of XXXX XXXX XXXX, I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. 
Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. 
Sincerely, XXXX XXXX Consumer and Government Affairs XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: ERC
State: MN

Complaint narrative:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

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 2018-11-06 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: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$360.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I received a notice that my bank account ( held jointly with my husband ) at Citizens Bank was overdrafted. I immediately reviewed my account and found two fraudulent checks cashed on the account. The first was for {$4200.00} ( cashed XX/XX/XXXX ) and the second was for {$1800.00} ( cashed XX/XX/XXXX ). In total our bank account was debited for {$6000.00} in fraudulent transactions. I verified that I still had in my possession the legitimate checks and went immediately to the bank where they filed an investigation and had me sign an affidavit, opened a new account and put a fraud warning on the original account. 

We have tried to follow up several times with Citizens Bank to determine when our account would be made whole and we have had little to no help. My husband attempted to reach out to the Loss Prevention group and no one would speak to him. We jointly spoke with a woman in the customer service department on Saturday XX/XX/XXXX that told us that our investigation would be closed on Friday, XX/XX/XXXX and the funds would be returned to our account. That woman was supposed to follow up with us to answer some additional questions regarding Citizens repeated attempts to pay a bill from our account and she never returned our calls so I then went into the branch on Thursday, XX/XX/XXXX and spoke to a local representative. He called the fraud department directly on my behalf and was also told that the investigation would be closed on Friday XX/XX/XXXX and the funds would appear in our account by Saturday XX/XX/XXXX. He even confirmed that he was allowed to relay that information to me. Those funds have still not been returned to us. I followed up this morning with the same local representative who again reached out to the fraud department for us and we are now being told that they won't return our funds to us until they recover them from the banks that cashed the fraudulent checks. My husband called again to customer service this evening and was given the same answer and told that they were allowed to keep our money from us for 8 weeks. 

We live paycheck to paycheck and can not pay our bills without this money. Citizens Bank does not deny this was a fraudulent transaction. We have showed them the physical checks which are still in our possession. One of the fraudulent checks does not even have the correct bank account information on it, however they were still cashed. Citizens Bank should not be forcing us to take the penalty on this. We have been promised that the money would be back in our possession by now and they have decided that they'd rather their customer feel the pain than make us whole. Citizens Bank clearly does not value their customer service relationships. They've lied to us and led us on for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: CA

Complaint narrative:
I have disputed the late payments XXXX XXXX XXXX XXXX account for months. Not only that, the account is reported duplicate on my Experian credit report..They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-06 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: CA

Complaint narrative:
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ].

This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: WY

Complaint narrative:
I cleared up a discrepancy with XXXX XXXX in Arkansas after my business was frauded. 
I have a statement from Chexsystems to that effect. I have 4 bank accounts currently and have moved out of a 4 hour distance to a branch bank. I can't get another bank to open an account in my area because # 1 the information on my consumer report is not accurate, the previous notice was cleared up immediately once I found out about it. # 2 The information of suspected fraud activity from 2014 is still showing up on this report, and Ive been turned down by 2 banks because of it. I am the VICTIM of the fraud activity and I am being made out to be guilty of it somehow. # 3 I have been treated like a criminal or something and I havent done anything. According to your latest letter regarding my rights this information can not remain on my history for more than 1 year.

# 4 I wish to withdraw from your agency. It has done more harm than good. I know my current credit scores and have worked over 2 years on getting letters of credit from  companies i have paid. I have had a score of 0. No Credit!!! I have paid off 3 mortgages, several vehicles and have lost a business due to fraud. Im sick of this and of the entire usa that allows this with no recourse. ( XXXX XXXX, XXXX XXXX ) on and on and the people getting screwed never see any recourse or compensation for the damage others are doing. What a XXXX hole this country is!! STOP FRAUD

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 2018-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: OR

Complaint narrative:
Im on a fixed loan. My payment almost doubled from last year. No one at statebridge will help me. I keep telling them theres no way this is right and they tell me to refinance my loan. But could not explain why my payment went from XXXX a month to XXXX and I have had other people look at it for me and they all say there is no way this is right. Im XXXX and only get XXXX a month so Ill lose  my house. Ive never missed or been late on a payment. Please help!! Im scared and this place is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: CA

Complaint narrative:
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Credit Bureaus also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2018-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. 
My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: PA

Complaint narrative:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

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 2018-11-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06 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: CA

Complaint narrative:
I have disputed the late payments XXXX XXXX and XXXX XXXX XXXX XXXX on accounts for months..Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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