vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
On or around the end of XX/XX/XXXX, my wife spoke with XXXX XXXX and requested that all cable services removed from our account, they did not offer the channels we wished to watch and were planning to a web based service and wanted to keep the high speed internet service the representative was very rude and told my wife she was stupid to not keep the cable channels offered at which point my wife demanded that they turn off service and with in the week she took all cable and internet service boxes to the local office and dropped them off we were told when we dropped the boxes off we no longer owed any money. We then moved to another town as I work construction anyway I never signed a contract for anything I never received a bill stating that I owed anymore money. Until XX/XX/XXXX when it showed up as a collection on my credit report I have been working hard to improve my credit and this showing up like this has caused major problems for me and even though I know in my heart that I do not owe this debt I even called and offered to pay the full amount if they would remove it from my credit report at which time the representative informed me that they didn't do that Now I'm almost deaf but I informed him what point was it in me paying a debt I didn't owe if they were still gon na leave it on my account I understood him to say he didn't care jut wanted the money which is extorsion. I had also sent two letters to Convergent Outsourcing Inc. requesting verification of any money owed to them the sent an itemized bill that does not show the return of all equipment and does not bear my signature a teenager could have made such a bill at the library anyway I am just frustrated these people are ripping people off left and right and I pray that this complaint will resolve the issue. This is a small amount of money to be causing me such a major problem please help.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
On XX/XX/19 I sent a letter to Receivable Performance ( tracking XXXX XXXX XXXX XXXX XXXX ) requesting validation of the debt they are reporting on my credit profile. As of today, I have not received the documents. and they are still reporting to the credit bureaus. This is a violation of the fdpca.

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 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried working with citibank regarding an error committed by them. My account had money STOLEN from me by XXXX XXXX and I was told I was an error and it wasnt their fault. I then went to citibank to fix it because they knowingly let it happen and just sat there. It was {$1300.00}. I have contacted citibank numerous times talked to supervisors on XXXX the supervisors names were XXXX, XXXX, XXXX XXXX, and XXXX . XXXX did try to help and work with me so kudos to him. The investigators were sent documentation and proof the money was already paid to XXXX from another account on XX/XX/2019. They then quickly closed the investigation and said not their fault. I then have appealed the decision on XX/XX/XXXX of 2019 so I could get my money back or at least a provisionary amount to which I was denied. I talked to XXXX XXXX about this situation and was told that no matter what I did citibank will not change their mind. I just want my money back so I can leave citibank forever!! I have documentation to back up my claim.

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 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This is a copy of yet another complaint I've had to file against Ocwen Loan Servicing, a criminal enterprise. 

Thank you for using the XXXX XXXX XXXX 's Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXX Please print a copy of this for your records. 

Filed on : XX/XX/2019 Filed by : XXXX XXXX Filed against : Ocwen Loan Servicing, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Complaint Description : Ocwen is trying to charge my account with a late fee. AGAIN! Every month I send my mortgage payment Express Mail with a tracking number because Ocwen consistently holds my payment for several days before it's posted to my account. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. Ocwen received my XX/XX/XXXX payment on the XXXX and charged my account a late fee on the XXXX. I made another complaint to XXXX # XXXX in response Ocwen said that the charge had been removed. That was a lie. My actual mortgage is {$1100.00} every month I pay {$1100.00} a difference of XXXX. My XX/XX/XXXX statement shows " past due fees and other charges '' of {$51.00} with no explanation of the charge. Ocwen charges a late of {$52.00}. If you subtract the {$1.00} I overpaid in XX/XX/XXXX and January from the {$52.00} late charge you get {$51.00}. I never owed a late charge and Ocwen is misappropriating my funds. Any monies I pay over and above my scheduled payment should be credited to the principle not to a bogus late charge. This is criminal. 

Your Desired Resolution : I have made numerous complaints, nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX/XXXX and XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I applied for a Loan Modification in XX/XX/XXXX with the assistance of a Hud Certified Housing Counselor. Submitting multiple loss mitigation applications. I have responded to every document requested by U.S.Bank. I presently have a letter from USBank requesting additional information by XX/XX/XXXX. In viewing my Deed, USBank recorded foreclose on my deed XX/XX/XXXX, and also placed this action under the name of someone who is not on the mortgage. I have also received correspondence from a " Law Firm for " NOTICE OF INITIAL CASE MANAGEMENT CONFERENCE '' on XX/XX/XXXX. I need clarity as to what is going on. I spoke with a relationship Manger at USBank yesterday and was told my package was complete and I should receive an answer within 4 weeks. This process has been like a nightmare switiching of relationship Managers, losing my submitted paperwork, recording non payment to the credit bureau when I was told by a representive at USbank NO PAYMENT WAS DUE XX/XX/XXXX SINCE THE LINE OF CREDIT WAS MATURING never provided an offer for my Loan Modification Request.

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 2019-05-30 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 This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I waiting on something that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant find this information you are required to delete this information, 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 am struggling to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX   XXXX {$2600.00}, XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX XXXX ; {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Student Funding Corporation of America, Inc.
State: WV

Complaint narrative:
On XX/XX/2019 I was instructed by my school to fill out an apllication for the SFCA to receive loans for the last remainding balance of my tuition. The loans amounts that I was applying for were for XXXX, XXXX and XXXX. On XX/XX/2019, I received an email thanking me for submitting my application and but they need a few items from me. I needed to mail them my past two tax returns, two of my recent paystubs and a copy of my i.d . On XX/XX/2019, I received an email that my appication had been approved and the need me to sign the Master Primissory Note ( MPN ) and I had 30 days to do it. On XX/XX/2019, I received an email stating that they had received my MPN and had been accepted. I was told in the email that I would not receive the funds personally but they would be givent o my school directly. On XX/XX/2019, I graduated the XXXX XXXX XXXX School and was awaiting my XXXX which I would get a month after my graduation date. I had no reason to worry about my balance since the loan company was sending the money directly to my school. On XX/XX/2019, I received an email from the SFCA telling me that upon futher review that I was denied the loan. I was given no futher information, other than to contact my school to set up payment plan. I was completely devasted. I was counting on this money to pay the balance of my tuition. On XX/XX/2019, I emailed the SFCA and asking them why I was accepted and later denied my loan. I received nothing back from them. I tried contacting my school since they where the ones who recommended this loan company to me but they offered no further information and just told me to set up a payment plan to pay them the remainder of my balance. I talked to a family friend who has some information about loans and he told me that it was weird that I was approved and then denied the loan without any reason. He has tried to contact this company and he has even left several messages with them but they have not called back. I have even attempted to call them and they have not returned my phone call. The only information I get from the school is that in the passed eight years of working with this company they have never had this happen and that several students were accepted and then later denied the loan without any reason. I just feel like I have been played and maybe this was all a scam. This concerns me because they have my information. It also worries me because my school isn't trying to help me get to the bottom of this. I only went with this company because they assured me that they worked with them before and that they help students who in real fiancial need.

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 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: OH

Complaint narrative:
Received first correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019.  So far has not been received. 

Received second correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: LA

Complaint narrative:
There is a paid collection listed on my report from Equifax with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to Equifax, along with the other two bureaus in the form of a dispute letter. XXXX  and XXXX deleted the account. Equifax did not. 

The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information. 

As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and Equifax directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my Equifax consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions. 

It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Altisource Portfolio Solutions, S.à r.l.
State: MS

Complaint narrative:
Delete this collection account and send this account back to XXXX to fix.

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 2019-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: TX

Complaint narrative:
So today on XX/XX/2019 I received three phone calls from XXXX. The first call came in at XXXX however, I did not answer it because I was nor familiar with the number. Then I receicved a call around XXXX so I thought to myself let me answer this because when I received the first call I never received a message. I answered the call and I could barely hear what the lady was saying, then she asked me to verify my address and etc and I told her no. This was because she called me and I was unclear where she was calling from. She then said I told you who I am..I 'm so  and so with Flagship. So I told her again that she called me and that I was not giving her my information and that I would call them back directly to verify who I was so started saying so you'r not going to verify your information..Needless to say I hung up in her and headed back into work. Then I received another call from the same number at XXXX. I did not answer this call but I was thinking I already told the lady I woud call back.

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 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC bank held funds from my account on XX/XX/XXXX for a check dated XX/XX/XXXX. Spoke to two separate representatives who stated the check will not be paid until XX/XX/XXXX but there is nothing they can do currently to make funds available. As a result, I had to miss work and was charged an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX XXXX  on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation