vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
Im trying to responsibly pay off my student loans more quickly, but Heartland XXXX   charges convenience fees for additional one-time ACH payments. Ive had student loans with other services and this is the only company Ive experienced which charges additional monies for one-time ACH payments. Just because something is legal doesnt make it right I intend to escalate this issue with University XXXX and potentially petition for the University of XXXX and other universities broadly not to use the services of Heartland XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a debt with American Express. I had made a payment of XXXX which they have refused to credit to my account. I provided a copy of my bank statement showing the payment and I provided them with the payment transaction number provided by the bank. I also have submitted disputes with the credit reporting agencies because the amount they are trying to collect from me is incorrect. They have refused to credit the payment I made. Now I have received a letter from XXXX XXXX XXXX which claims that American Express referred me account to them. They are trying to collect more money than I owe and are threatening me with legal action and judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have contacted XXXX, XXXX  and XXXX XXXX in regards to an old account with XXXX XXXX and Commonwealth Financial Systems. The XXXX XXXX account is old and should be removed from my report. The CFS account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the CFS Collection Agency. This account is at least XXXX years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax, XXXX and XXXX XXXX in regards to an old account with XXXX XXXX and XXXX XXXX XXXX. The XXXX XXXX account is old and should be removed from my report. The XXXX account is from an old medical bill and was removed from my reports several years ago. Now it is reappearing on my reports under the XXXX XXXX XXXX. This account is at least 7 years old and once removed should not reappear under any other name. I have requested removal and all I get is the info is correct or you have already disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: AR

Complaint narrative:
Experian REFUSED to accept, correct, or examine my LEGAL DOCUMENTATION proof that a Fraudulent XXXX  account illegally using my name was written off for over {$10000.00} was found FRAUDULENT and I WAS NOT HELD LEGALLY RESPONSIBLE by XXXX XXXX Corporate Offices after they conducted their own official investigation. My credit score literally went from XXXX to XXXX overnight. Also, Experian previously removed the Hard Inquiry after FRAUD was proven by this account. It just popped up on my credit file overnight and said it had been on my credit file since XX/XX/2017. It DOES NOT APPEAR on any of my other Consumer Credit Reporting Agency Files.

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 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I received a prepaid credit card issued by Bank of America for an overpayment for services with XXXX XXXX. With the card was a notice that I could call and receive a check, which I did. I received the check in early XX/XX/XXXX the day before I left on a trip. I put the check away for safety and forgot about it until the XX/XX/2018. When I found the check it had a " void after 120 days '' on it and I was not able to get out to cash it so I called customer service to request a new check on # XX/XX/XXXX and was told that they would issue a stop pay and send a new check .I have been getting the same story 2 times a month and still no check .I called another customer service number to elevate my claim and was told yesterday that they received an e-mail stating that the original check had cleared the bank .I still have the check and Iverified the number with them and it is 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 2019-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, I just got letter in the mail from Wells Fargo, its a home projects account, I just got the letter in the mail, I being charged TWICE, not only that that want another {$22.00} for installation fee plus {$76.00} late fee if Im not mistaken, That letter wasnt in the mail maybe a few days ago.normally they charge {$38.00} for a late fee. I admit I was a little late few times, I also paid it, last month I was charged a late fee, however I paid the late fee plus I paid them almost 3x the amount of what my monthly bill is last month just to stay ahead, I guess that didnt work in my favor. Ive been getting harrasing calls from them i keep getting them and I tell them to stop and they dont. Customer service reps werent much of a help. From my understanding they claiming I didnt pay them last month. I did pay them, this is not the first time this happened. Its effecting my credit score. They have suspended my online account, that makes it a little more difficult to pay them. Its stressing me out. They have done a lot people dirty.

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 2019-03-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX is refusing to fix the innacurate information reported on two closed charge off accounts from Capital One. My dispute is about date of first delinquency. I have paid both accounts every penny without any discounts or settlements. Both accounts were closed become delinquent in XX/XX/XXXX, I have paid both accounts in XX/XX/XXXX and Capital One reported {$0.00} balance paid after charge off. However in XX/XX/XXXX Capital One reported this back on my credit report as a date of First Major Delinquency XX/XX/XXXX causing my credit file to pickup as currently late and my credit score dropped 40 points for being currently late.How can they report as Date of First Major Delinquency XX/XX/XXXX if I don't have any balance on these two accounts and both accounts were closed in XX/XX/XXXX. I have called XX/XX/XXXX and Capital One both say they don't know why is this happening and they will look in to it but after investigation they don't correct issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
In mid to late XX/XX/XXXX, Contract Callers, Inc. phoned my home on two to three times, first asking for me by name and I confirmed my name to them. Then they asked me to verify my address. I asked who was calling and why was my address necessary. They refused to give me any information or identify themselves ; instead stated that they could not say why they were calling until I gave them my home address. I refused and hung up the telephone each time. In XX/XX/XXXX, I discovered that Contract Callers, Inc. had placed an alleged debt on my credit report on XX/XX/XXXX. I never received a letter to dispute or confirm this alleged debt in the mail. In XX/XX/XXXX, in an attempt to settle this violation, I sent a letter notifying Contract Callers , Inc. that a complaint would be filed against it for violations of the FDCPA and FCRA if we could not negotiate some type settlement. An attorney for the company responded by saying that there are no violations, ( copy attch ) with a convenient copy of a debt notification letter to me dated XX/XX/XXXX, a date of two days after the debt was reported by Contract Callers , Inc. on my credit report. I have found that this company has a pattern of this type of practice with numerous complaints posted on the internet.

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 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
this account just open XX/XX/2019 ( 2 mos ) Account status Open Type I have no idea where this come from but i have Identity death I am thinking that's what i am happened they have my police rapport

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX was purchased by Mr. Cooper on or about XX/XX/2019. However, neither company has notified me that the servicing of the loan had transferred. 

I received a letter today XX/XX/2019 via USPS certified mailed indicating that the loan was in default. Since I do not where, when, or if any of my payments made to XXXX have been credit towards the mortgage either before or after servicing was transferred, I am not able to verify the legitimacy of the information contained in the attached letter. 

The loan was paid ahead by two mortgage payments for some time now. The last mortgage payment that was made was on XX/XX/2019 for the XX/XX/2019 installment. 

I am very concerned that the payments that have been sent electronically sent to XXXX are unaccounted for and the money has been distributed to unknown entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The Mortgage Co. Modification my loan in 2015. I pass the Trial Period Plan and the agreement in the Trial period plan was " After all trial period payment are timely made and your client has submitted all the required documents, the mortgage would then be permanently modified '' I paid {$3100.00} in escrow shortage which is included in the modified monthly mortgage payment. The Trial payment plan also stipulated that i will received {$1000.00} each year for five years for a maximum of {$5000.00}, which I have receive those payments for the last four. This is the big problem the Trial Period Plan also stated " IN ADDITION, once the loan is permanently modified, your client may be eligible to have some of the principal forgiven on a deferred basis. So long as the modified loan remains in good standing, we will forgive {$50000.00} of the principal balance of the loan each year on the anniversary of the first trial period payment date for three years.Your client will lose this benefit if your client 's modified loan loses good standing at any time during this three year period, including all accrued and unapplied amounts ''. I have not been late on any payments. I have move proof of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been a victim of identity theft since XX/XX/XXXX. Since then multiple attempts were made by the person to get credit cards under my account to his location. I notified the consumer reporting agencies about this matter and a fraud alert was placed on my behalf. The culprit had still been able to use different credit cards under my account initiating transactions which I disputed with credit card companies and matter was resolved. 
But on XX/XX/XXXX I got a notice from Bank of America stating a payment has been returned from a credit card account ending in XXXX under my name followed by a credit card statement for the amount of XXXX with transactions on multiple credit card accounts. I spoke to Bank of America fraud department about this matter and informed them that it is an unauthorized transaction and also that the card ending in XXXX was not in my possession. The banker verified that the card ending in XXXX was sent to a different address and so I was unaware of any transactions being made on that account until recently when Bank of America sent a statement to my address. 

On XX/XX/XXXX Bank of America sent me a notice saying they are unable to resolve this disputed transaction.

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 2019-03-16 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX   # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2019-03-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX*, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 (  1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/2019 I received a letter, by first class mail, of a lawsuit ( that was issued on XX/XX/2019 against me ) from Entities who claim are of an Attorneys office out of XXXX, Texas. 

The letter is a copy of a Citation, that shows was signed & Notarized by the Justice Court Judge, of the County I live in, from an Entity that claim are a XXXX Attorney representing Midland Funding LLC ( an out State Company ). The XXXX Attorney address is : XXXX XXXX XXXX, XXXX, TX XXXX ; and their phone number is : XXXX ( XXXX ) XXXX-XXXX or XXXX ( XXXX ) XXXX-XXXX. XXXX see attached of the actual Lawsuit letter & the envelope I received it in ) The Plaintiffs in said Lawsuit, mentioned, are : Midland Funding LLC ( of address unknown ) & XXXX XXXX. XXXX XXXX XXXX  shown address, on the Suit, is : XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. 

They are suing me for {$2100.00} ; and they state I have 14 days from after the day I was served with these papers.

Company response to consumer: Closed with non-monetary relief