vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXXand XX/XX/XXXX but on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX and XX/XX/XXXXbut on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

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 2018-08-20 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: TX

Complaint narrative:
Capital One refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also XXXX has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/2018, I noticed that my credit card company charged me a late fee and interest on my previous bill. I had paid it without realizing that I had been charged this fee and interest. The charges are illegitimate. I wrote the check for my payment on XX/XX/2018. At the latest it was in the mail early on XX/XX/2018. It was due XX/XX/XXXX. 
But the credit company did not deposit the check until XX/XX/XXXX. I have never in my life had a late credit card payment. 

I immediately called my credit card company. To the best of my knowledge, the company refunded me the late fee and part of the interest. But it refused to refund all of the interest to me. 

That day I wrote a letter to the company to complain more formally ( it was in the mail on XX/XX/XXXX ). In a letter dated XX/XX/XXXX, the company declined to refund me for the remainder of the illicit charges. 

I accuse the credit company of sitting on payments and failing to deposit them promptly so as to charge customers fees and interest. As further evidence of this : I sent my last check to the credit company on XX/XX/XXXX. Payment was due XX/XX/XXXX. The company did not deposit the check until XX/XX/XXXX! ( I should not receive a fee or interest charges this time because I paid on-line the day before, out of fear that the company would not deposit my payment on time. Thus, the company extorted a double-payment from me. ) Note also that my complaint letter, sent XX/XX/XXXX, received a response on XX/XX/XXXX. How could a bill payment take so much longer to receive?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Peak Acceptance, LLC.
State: TX

Complaint narrative:
In XXXX of XXXX I opened an account with Peak Acceptance for a XXXX XXXX XXXX that I was unable to afford and was eventually repo 'd. Instead of showing a reposession on my credit it reportwd that i had a late payment every month for the next 5 years absolutely deztroying my credit. I have 6 of 7 accounts in good standings on 1 bureau. They are the only derogatory mark and my score is sufferimg dramatically for it..that isnt the worst of it. They are reporting that they closed the account in XXXX of XXXX and also that the last payment made was XX/XX/XXXX which totally false and they have llayed around with the dates to keep this on my creit report for as long as theu can. This has got to be illegal in some form and I am being punished for having to let a vehicle go back to the lender and suffering for it more than I should have to. Please take this complaint seriously and please help me remedy this and allow me to move on with my life. Ive had to deal woth this for nearly 7 years and they would like to keep it on my credit for an additional 6 years. Im not sure how companies can get away with This.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GABA LAW CORPORATION
State: CA

Complaint narrative:
Gaba Law Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, a debt collection lawyer, filed a law suit in XXXX Superior Court demanding payment of {$2600.00} for a debt that was not owed. 
Action was filed on XXXX XXXX, more than 4 years after I made the final payment to the creditor in XX/XX/XXXX. XXXX 's suit is barred by the CA stat. of limitations. I have a written receipt from the creditor for the entire final amount due. 
XXXX XXXX, the debt collector and his erstwhile creditor never made even a single demand for payment of this fake amount during the entire 4 years, because I didn't owe anything. The XXXX XXXX debt collection law firm specializes in this type of coercive, fraudulent use of lawsuits to collect court-imposed penalties against innocent consumers. 

For example, in series of car repossession deficiency cases, XXXX XXXX filed collection lawsuits, falsely claiming that the amounts were owed for '' credit card '' debts to avoid the deficiency notice required under the CA Auto Sales Finance Act. 

However, in a XXXX federal consumer class action in U.S Dist CT N.D. CA ( XXXX XXXX ) XXXX XXXX XXXX, Case No XXXX, Consumers were awarded {$380000.00}, costs and attorneys fees against him and his client, in addition to the amount awarded to compensate members of the class. 

His method of collection is to file lawsuits against consumers for relatively small amounts, wait for the consumer to default. Then, he moves in to collect attorneys fees based on predictable defaults from courts that are unaware of his method of collection. 

If you are sued by this debt collection law firm in California, Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have had no correspondence for this savings account since at least XXXX of XXXX. I received a letter XX/XX/XXXX stating that I owed XXXX in closing fees.I had previously had the same issue with the checking account linked to this account. That was handled to fair conclusion by the CFPB in case # XXXX. I feel this is further harassment because of the original case, as the circumstances are not only exactly the same, but the accounts were also linked and they never mentioned this during my previous complaint or correspondence. When I called the individual named on the the letter from US bank, he stated that he could only help me if I was calling to make a payment. 
Thank you 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 monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc.
State: OK

Complaint narrative:
Credit management control {$290.00} was from XXXX at XXXX hospital my insurance at time ask for 3 different amounts for different doctors my employer paid off there credit card up front. I have receipts still and I have given to 2 other collection company when I disputed in past. They took off and put all 5 accounts back on credit under difficulty companies names. 
Then credit tanks. 
Other amounts for credit management control are {$300.00} and {$540.00}. 
They were paid by employer for same XXXX. Had to pay up front paused in full. 
And with XXXX XXXX XXXX same insurance requires co-pay had to pay before seen a doctor {$10.00} and {$13.00}. 
Paid in full at time of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: GA

Complaint narrative:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been  showing 120 days past due on both XXXX and Transunion since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

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 2018-08-20 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: GA

Complaint narrative:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on both Equifax and XXXX  since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: ACS Education Services
State: GA

Complaint narrative:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on XXXX since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, Wells Fargo is charging me for litigation fees they have incurred based on a violation by the XXXXXXXX XXXX XXXX XXXX. The problems are as follows : - the XXXX XXXX XXXX XXXX violation was resolved by myself in XX/XX/XXXX. My correction was accepted by the XXXX XXXX XXXX XXXX and there were no associated costs or penalties. 
- the first charge from Wells Fargo was in XX/XX/XXXX ; AFTER I had resolved the issue. 

- the first time I was informed by Wells Fargo that I was being charged for litigation fees related to this violation was XXXX XXXX. In this letter, Wells Fargo stated that the case was " still open '' and therefore they could not tell me the amount to be charged to me. Keep in mind, I had already resolved/ corrected the violation in XXXX and the case was closed with the XXXXXXXX XXXX XXXX XXXXXXXX . 

- On XX/XX/XXXX, Wells Fargo again wrote a letter but this time stating that the case was " now closed '' and sent me charges totaling {$630.00}. 
- I called and wrote to Wells Fargo about these charges and provided evidence that this issue was resolved in XXXX. 

- On XX/XX/XXXX, a Wells Fargo letter stated that I must pay their fees because my mortgage agreement holds me accountable for claims against the property. However, there were no claims or violations against the property at the time of the charges. Further, the dates of charges on the letter had errors and I again wrote to them. There was a new charge on this new correspondence which dates back two years for " attorney fees. '' - In a new correspondence, Wells Fargo again closes my case on the basis that the mortgage agreement holds me accountable for charges related to claims on the property. They failed to explain why one charge was dated back to XXXX. I still do not understand why I am responsible for costs that were incurred AFTER an issue was already resolved? 
This is unethical and unjustified.

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 2018-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
i was buying something and they told me to send through friends and family it was on paypal btw and i got scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX refuses to delete 2 late payments which I dont understand how it is late when it was an automatic payment..This is on My credit as well as my Fiamce which has caused higher interest rates. Also Discover has a late pay listed and it was on auto pay as well. These are the only deragotory items we have out of 25 to 30 accounts in very good standing. I have tried to dispute this but they refuse to delete even on Good faith and Goodwill letter. I am disputing because it should have been deducted and I have never missed a payment the payment was taken but instead of deducting XXXX they only deducted XXXX because it was set up for fixed amt and 1 month it was more than fixed amt and they c hgv argued a late fee but also waived the fee. I would like this deleted because We have Good Credit and this is erroneous misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: GA

Complaint narrative:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on Transunion since XXXX although the account was transferred to another servicer as reported with XXXX  XX/XX/XXXX. I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly several years to get this resolved to no avail.

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 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
I was sent demands for payment on several occasions by a credit collection agency named MRS Associates of New Jersey that has NOT proven a debt is mine. I received these demands dated XX/XX/2018, XX/XX/2018, XX/XX/2018. I also received a letter from the collection agency, which has no date on it, claiming that documents they recieved from the original creditor proves they have the right to collect from me. I never signed any contract with the debt collection agency. I have sent 2 letters dated XX/XX/2018 and XX/XX/2018 asking for the debt collection agency to validate the debt, but they have not been able to produce the tool of indebtedness they claim I owe them. They have failed to validate my request for proof I have a valid debt with them. This is a violation of my rights under fair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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: ACS Education Services
State: GA

Complaint narrative:
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 150 days past due on XXXX since XX/XX/XXXX and 30, 60, 90 late is on XXXX. I cant seem to get the Servicer to communicate to Bureaus to resolve accurately. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB
State: WI

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account STATE FARM BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation