vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XXXX XXXX XXXX, a financial wire transaction for sum of {$210.00} USD was executed with Western Union XXXX Co. Western Union XXXX Co for reason unknown to me my bank account was charged three times in the sum of ( 1 ) {$210.00}, ( 2 ) {$210.00}, ( 3 ) {$210.00}. A total sum of {$630.00} monies were withdrawn from my XXXX account and {$210.00} was payout by Western Union XXXX Co. Promptly, as soon as the error was detected dispute form was filed with XXXX XXXX XXXX XXXX in XXXX XXXX. All reasonable efforts initiated in good faith to reconcile the financial error by Western Union. 

Finally, On XXXX XXXX XXXX, my identify theft protection service alerted me to XXXX debt collector attempting to collect {$210.00} dollars. I contacted XXXX, who reported they are a collection agent on behalf of Western Union to collect a debt of {$210.00}. Contact was made with Western Union by emails and phone calls multi-times without adequate resolution. On a follow up check of Western Dispute # XXXX case opened XXXX XXXX, XXXX, Western Union informed me that the case has been closed. Western Union said they would reopen the case and look into it. As many times as I have attempted to communicate this error in good faith, they simply have been no resolution. I am concerned because negative financial information will affect my sensitive Government security clearance and position, I am concern that this may not be a isolated incident, I am concern that Western Union has repeatedly failed to resolve this rather simple issue. Documents have been submitted which clearly indicate that the statements above is both accurate and truthful. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a consumer affected ( by Equifax XXXX website report ) by the Equifax breech. They directed me to sign up for free for their Trusted ID. Yet when I attempted to do so, the log in page showed that someone had used my email to do so already ... .and that my birthdate and Social did not match. After a month of contacting Equifax about this ( see attached emails ) I still Can not log into Equifax XXXX TrustedID site, nor can I get a password reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: TN

Complaint narrative:
On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have banked at Wells Fargo for many years. I opened a separate savings account in my name only due to my husbands illness. He had sent double payments to creditors from our joint account also, has lost or misplaced his debit card repeatedly. The bank changed my savings to a checking account due to regulatory requirements as I was making too many transfers. I never requested overdraft protection or to have the accounts linked. I called on XXXX XXXX, XXXX to request overdraft protection be deleted. In XXXX XXXX my husband spoke to the branch manager of our local bank. He requested access to my personal account and was told no by XXXX XXXX. On XXXX XXXX, XXXX he again went to the local branch and presented to the teller. He explained that he needed cash and that he was aware that the joint account had {$0.00} dollars however, we have overdraft protection. The exact verbiage used was he gave a sob story. To my knowledge we did not have overdraft protection. The teller explained to him if he uses his debit card inside the branch he would have the ability to make an EWithdrawl. Also explained that then my personal account would cover the overdraft funds requested. In short with the banks tutorledge and advice he withdrew {$300.00} then again {$500.00}. On XXXX XXXX, XXXX he appeared again making his 3rd EWITHDRAWL of {$2500.00}. On his 4th visit on XXXX XXXX attempting an additional {$2500.00} this is when XXXX XXXX called me to inquire if I was aware of the previous EWithdrawls and am I approving a 4th? The answer was a resounding no! I was shocked and completely unaware, I had opened a separate account to keep my money safe. He didnt have access to checks and didnt even know the joint account number. He only had a debit card that limits withdrawals to {$300.00} per day. 1. Why didnt XXXX XXXX call in XXXX during his first attempt to access my account? 
2. With a {$0.00} balance in the joint account why in Gods name did it take a 4th potential withdrawal to notify me?

3. While an employee/employees were aiding and abetting did they receive monetary compensation while in collusion? 
I am aware of several Florida Statutes that cover the receipt of money obtained by fraudulent use of debit/credit cards and any amount over {$300.00} is grand theft intentional. I have been told that this falls under divorce however, I strongly disagree as these actions were deliberate, criminally fraudulent and violating my privacy by exposing my personal account. I am seeking legal advice as I believe this Wells Fargo branch, employees, and policies should be investigated. XXXX XXXX XXXX XXXX XXXX Fl XXXX. ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: North American Credit Services
State: FL

Complaint narrative:
Two amounts appear on my credit score under  XXXX only. The amounts are {$500.00} and {$340.00}. They are originally debts from XXXX XXXX XXXX. The filing collections co is North American Credit Services. Both debts were paid off on XXXX XXXX 2017. North American Confirmation numbers are, # XXXX and # XXXX. At this point North American has neglected or refused to take this off my credit score. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I received a call on my cellphone from area XXXX same area code as my mothers doctor. Return call to find out it was from XXXXXXXX XXXX. They are in XXXX, Colorado. Why not be honest and use the correct calling area, Customer rep told me they handle XXXX XXXX  accounts. That this account was with them since XXXX/XXXX/XXXX at or about XXXX/XXXX/XXXX they reported this to credit bureau. No letter XXXX just threw on report. 
I told her how could they have account when only letter came from a company called XXXX. That they replied with a cease collection on this account. ( enclosed copy Look at the dates! 
I am asking remove negative from credit report. They do dot want to get involve in this horror with XXXXXXXX XXXX 
Just for your information XXXXXXXX XXXX offer me {$150.00}. I refused ( This was a 2 year contract- They fail in so many ways not your problem. Also refused to register mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My Husband and I Have a 20 year fixed note and we took out the loan in XXXX and the maturity date is approaching which is XXXX within 4 months to be paid off and we received a statement from Citimortgage saying that we owe XXXX which looks like a balloon payment and its not, it is a fixed 20 year note. 


I spoke with Citimortgage on XXXX/XXXX/XXXX yesterday and the representative that I spoke with said they took out more interest than principal and I asked to speak to his manager and he put her on the phone and she said to me so the explanation he provided to me was not to my satisfactory and I said no and i would contact the COB and CFPB and she said she noted my account with that information as they were no help to me. He also said if we did n't have the {$15000.00} to pay this loan in full in XXXX that we would be directed to a special department who would arrange for payments which will look like it is in a default status and my husband and I have great credit ratings in the 700 score range and that would hurt our credit. Please investigate this as I believe all these years our account has not been handled properly and they applied more interest than what was suppose to be applied?

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 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter to Equifax on XXXX/XXXX/XXXX in regards to the XXXX account # XXXX {$68.00} - I have also sent a letter to XXXX, no response on the erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX I mailed dispute letters to each credit bureau and it is now XXXX/XXXX/XXXX and I still have not received any responses from any of the credit reporting agencies. It has been well over 30 days and a response is required. This is a direct violation of my rights and has impacted my XXXX XXXX negatively.

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 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
Hello, This is re : Loan XXXX. My account is current. Supporting files are attached to this complaint. 

I scheduled a mortgage payment for XX/XX/XXXX through Freedom Mortgage 's website for {$1000.00} which has been withdrawn from my bank account. I also scheduled through my bank an additional payment onXX/XX/XXXXfor {$160.00} to be applied to principal which was also been withdrawn from my bank account. However, it looks like these payments were misapplied & Freedom Mortgage has no good explanation for why. The mortgage payment of {$1000.00} was scheduled + {$160.00} through my bank with a note that it be applied to the principal. The total should be {$1200.00}. 

However, I saved screen shots from Freedom Mortgage that show that {$860.00} is the mortgage amount that was received ( less than the {$1000.00} that I scheduled ), but that {$160.00} was applied to principal. 

If I read their information correctly, I do not want Freedom Mortgage to miscalculate my payments or attempt to make me delinquent. So I asked them to correct this error and explain why they adjusted my payments to reflect as such, when it appears that they misapplied or redirected my scheduled payments without my authorization. 

I spoke with Freedom Mortgage three times this morning as a final attempt to resolve after, spoke to XXXX different representatives, with no satisfactory resolution -- this was a follow up to me submitting an inquiry about my account via their online automated system on Monday, XX/XX/XXXX. I was told today that a response can take up to " 30 days '' which is a problem for me naturally, since that 's when it seems that a bank will begin considering payments to be delinquent. I allowed until Wednesday, XX/XX/XXXX for a response but Freedom Mortgage has unfortunately not been very responsive to me and has caused me more difficulties and trouble than they need to. 

I am concerned that because they were so unresponsive again in this instance, I will have a recurring problem each time I try to pay my mortgage, resulting in Freedom Mortgage arbitrarily deciding where the money that I responsibly pay towards my mortgage will go as it benefits Freedom Mortgage rather than me, the consumer.

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 2017-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Something is showing on my credit report that does n't even report a name of a company. It 's showing as Not Reported. How can that be? How can that be considered validated or even verified? I really need help I have tried to dispute it with Equifax but no luck getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files TransUnion is again violating the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq., and that CCB 's actions violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692, as was pointed out in the lawsuit. XXXX v. XXXX XXXX, XXXX ( XXXX. XXXX ),

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received a letter datedXX/XX/XXXX from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX in behalf of Crown Asset ManagemenXXXX requesting payment on an alleged debt. On XX/XX/XXXX, I sent them a letter requesting that they validate the alleged debt. However, I never received any response from them. 
I then started to receive advertisement mail from different law offices informing that Crown Asset Management has filed a lawsuit against me onXX/XX/XXXX. I then checked the court system, and saw that they had a court hearing set for XX/XX/XXXX. OnXX/XX/XXXX an attempt to serve the summons to a random address was made when the summons had my correct address. 
On XX/XX/XXXX, I still went to court to avoid any confusions or a default judgement ; however, no one was there, and the Judge advised me to leave after seeing the attempt they made to serve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Ditech sent my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX. Section 5 of that statement is a table showing " What Happened Since My Last Escrow Review. '' The column titled " What You Actually Paid to Escrow '' is missing an entry of {$260.00} for the month of XXXX. This number plays a key role in arriving at my true shortage. I wrote a complaint letter to Ditech on XXXX/XXXX/XXXX and received Ditech 's response on XXXX/XXXX/XXXX. In its response, Ditech states " Please note that as of XXXX XXXX, XXXX, a payment had not been received ; therefore, the monthly escrow payment of {$260.00} was not reflected for XXXX XXXX, after the analysis was completed. '' Failing to insert this number for XXXX XXXX inflated my total shortage by {$260.00}. I disagree with Ditech because I have never missed a payment and although my payment due for XXXX XXXX, XXXX arrived XXXX/XXXX/XXXX ( after the XXXX/XXXX/XXXX analysis date ), Ditech should have inserted $ XXXX ( expected payment ) for XXXX XXXX, just like the entry for XXXX XXXX. I wrote a second letter dated XXXX/XXXX/XXXX asking Ditech to reference its position within RESPA 's Regulation X and Ditech refuses to respond. I presume Ditech may not have responded as it is claiming this t be a " Duplicative Notice of Error '' ( 1024.35 ( g ) ( 1 ( i ). Even if this is true, I still believe they are required to notify me within five business days of making such a determination ( 1024.35 ( g ) ( 2 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation