vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 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: Capio Partners, LLC
State: FL

Complaint narrative:
I have been trying to get information corrected on my credit bureau report with XXXX  and XXXX. Capio Partners of XXXX Texas are reporting a medical bill dating back to XXXX of 2014 as a new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
The is a debt collector for XXXX XXXX XXXX, XXXX and is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is violating the Truth and Lending act and has not sufficiently established that it is the owner of the alleged debt The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached a letter to have this debt verified on my verification letter dated XX/XX/2020, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
XX/XX/2020 XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Loan number - XXXX Good morning, We're reaching out to you, unfortunately once again, in an effort to ask for your assistance with resolving our dealings with Bayview Loan Servicing. We have been actively and honestly engaged with them since XX/XX/XXXX and our situation has not progressed forward in the very least. 

This file is currently assigned to - XXXX XXXX XXXX XXXX and since the beginning of XXXX, we've tried to reach him 35 times, via phone, and 9 times directly via email. To date, he has returned a total of 4 of those calls. 

It's clear that, either XXXX is unfit for the position that he currently holds or Bayview is intentionally delaying this process. As you can see by the notes that we've taken, their stories have gone from - 'you didn't meet the 37 day prior to sale submission requirement ' to 'we 're going to review this as an Exception and review you for a Streamlined Modification ' to 'we need you to resubmit ALL documentation again ' ( Streamline Modifications require minimal documentation ) to the most recent request - 'we now need updated financial information. ' We're asking you to step in and demand an explanation as to why this has been going on for so long, as well as, we're also asking Bayview to re-evaluate Mr . XXXX ' abilitiy to perform the job that he's been tasked with. If this is happening with us, most assuredly, it's happening to dozens of other homeowners.

We would also like this file to be escalated at Bayview and reassigned to a more competent point of contact. If Bayview doesn't reevaluate Mr. XXXX and his ability to perform at the highest level, it would be a further indictment as to the quality of service that they're dedicated to providing Homeowners. 

I'm available to answer any questions for you at the following number. 

Thank you for your assistance with this! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company can not put me in touch with their department that can explain the reason for denial. BBVA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: NV

Complaint narrative:
Dear CFPB I am seeking help, my rights have be violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by TRANSUNION & XXXX XXXX XXXX. I sent a letter of validation in response to the letter notice of payment by XXXX XXXX XXXX XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. XXXX XXXX  XXXX failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. XXXX XXXX  XXXX has failed to report to XXXX that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. XXXX XXXX XXXX   has not validated this debt as per required by the fair credit reporting act section 809. I  have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

THIS ACCOUNT HAS NOT BEEN VERIFIED. PROVE IT. 

I HAVE ALREADY DISPUTED THIS SAME ACCOUNT WITH TRANSUNION FROM XXXX XXXX ( XXXX/XXXX ) ACCT. XXXX TRANSUNION HAS DELETED THIS " Between XX/XX/XXXX and XX/XX/XXXX, your credit card with XXXX/XXXX was removed from your credit report. '' FILE NUMBER XXXX ( DATED XX/XX/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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Grogan Law Group, LLC
State: NJ

Complaint narrative:
I am finding it impossible to stop wage garnishment. no one will help me. I get the run around when I call, and now I am being told that if I want to stop it, I am being told to call one number, then another, and then another, and now that I have to go to the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
PHH Mortgage Corporation bought my mortgage from XXXX in XX/XX/XXXX. I make/pay my mortgage payment on the XX/XX/XXXX of each month using Bill Pay from  Bank ( XXXX XXXX ), the payment is intended for the following month. For instance I paid the mortagage payment Due XX/XX/XXXX on XX/XX/XXXX. I called PHH in XX/XX/XXXX when I received notice from them that they would be taking over my mortgage and confirmed that they had received the XX/XX/XXXX payment from XXXX and that my next payment due was for XX/XX/XXXX. I made a payment via XXXX XXXX  Bill Pay  on XX/XX/2019 to PHH Mortgage for the XX/XX/XXXX Installment. I then made a payment via XXXX XXXX Bill Pay on XX/XX/2019 to PHH Mortgage for the XXXX Installment. I then went online in XXXX and noticed that neither payment had been received/posted. I called PHH Mortgage and they gave me numerous excuses about why payment had not been posted. They said I put the wrong company name on the payment and then later said it was because I had the wrong account number. They demanded proof of payment from me. I provided my bank statement from XXXX XXXX  showing the ACH payments had been made to them. I even had a representative from XXXX XXXX  call them. They finally posted my XX/XX/2019 payment however they are still refusing to post my XX/XX/2019 payment. My husband and I call every day and the only people we have been able to speak with are in XXXX. They speak very little English and they do not have a solution. On a call three weeks ago they finally told us that they had received our XX/XX/2019 payment but because " we put the incorrect account number on the ACH '' they posted the monies, totaling {$1600.00}, to another account. This was a closed account so they then sent a refund of {$1600.00} to that individual who used to have that account. We are now being told that until and unless those individual return those monies they can not and will not apply the funds to my account. I do not believe this is acceptable. I have a very high credit score and have NEVER missed a mortgage payment. This company is refusing to help and I can not speak with anyone with any kind of authority who can help get this resolved. To make matters worse I am in the process of selling my home and very shortly will be paying off this mortgage. I fear that if this doesn't get handled ASAP PHH will keep my {$1600.00} and I will be out the money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Our payment for XXXX and XXXX was made on XX/XX/2019. We understand that our XXXX payment was 30 days late, but our XXXX payment was not. I called on XX/XX/2019 and spoke with XXXX ( when asked for a call reference number, I was told they don't provide call reference numbers ). She verified that the XXXX reporting was their error. She instructed me to email their credit reporting department to notify them so it could be corrected. I received a letter, notifying us that the reported information is accurate. I have printed off our payment record directly from the mortgage company showing it was paid on XX/XX/2019. I am attaching that documentation.

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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: UT

Complaint narrative:
I contacted quicken loans to look at my refinance options. They pulled credit. Two weeks  later they called back to do a second look. I specifically told them on the phone I didnt want another hard inquiry credit pull. After I hung up with the representative ( XXXX ) I got an alert that there was a new hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance appears to have violated the terms of the contract for an auto loan and is reporting a fraudulent balance to all credit reporting agencies. Documentation from Credit Acceptance shows conflicting information regarding the repossession costs, which results in an unconfirmed the balance on the account. In addition, the credit for GAP insurance coverage that was applied to the balance on the account appears to be in violation of the contract and Ohio law.

Enclosed document - Page 1 has reference to GAP insurance, Page 2 has reference to repo costs ( which do not match costs on page 4 ), Page 2 has reference to GAP insurance credit, Page 3 has reference to sale of car at XXXX XXXX, Page 4 has reference to repo costs ( which does not match costs on page 8 ) To further investigate the fraudulent balance, I am requesting the following documentation : - Proof of sale of the repossessed automobile from XXXX XXXX XXXX. This means a document from XXXX XXXX XXXX, not a document from Credit Acceptance. 
- GAP contract issued by the provider for GAP insurance

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Please reference previous complaint # XXXX After my last complaint about my Huntington Bank credit card was closed, I paid the balance in full -- {$1500.00} on XX/XX/XXXX. On XX/XX/XXXX, I was charged {$10.00} in interest on my XXXX-balance card. I called and spoke with " XXXX '', a supervisor who refused to provide her last name, who told me the interest was for cash advances from XX/XX/XXXX. I don't understand how I still accrued interest after the statement balance was paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I tried to sign up for a TransUnion account to freeze my credit report. They then surreptitiously signed me up for credit monitoring with a {$24.00} fee without ever disclosing to me that I would be charged.

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
Someone used my identity and I have tried to contact the company and no help. I trhiedcalling several times and no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I purchased a phone online thru my online banking with Wells Fargo. I used the XXXX function on my Wells Fargo app. I never received the phone or a refund from the company. I filed a dispute with Wells Fargo and they declined the dispute and sent me the attached letter. They told me verbally they were not responsible for it because I used XXXX and not their bill pay function. XXXX IS ON THEIR ONLINE BANKING APP! If they do not cover fraud on XXXX purchases then they should remove it from their Wells Fargo App. That is VERY misleading! There was no indication to me that if sending {$160.00} to XXXX  was fraudulent that Wells Fargo would not cover it as it would with any other transaction using their Wells Fargo App. I am requesting a full refund from Wells Fargo. I offered them my invoice from XXXX  and Emails regarding the fraudulent transaction. Wells Fargo didn't want any of it, they just declined it. 
Claim # 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 2020-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
We are requesting assistance obtaining a postponement of the XX/XX/XXXX foreclosure sale date to allow review of the short sale offer. The offer was faxed to the lender on XX/XX/XXXX, but then a denial letter stating the short sale was declined as there was not an offer on the property was sent out on XX/XX/XXXX. XXXX XXXX stated she was not aware of the offer sent XXXX when speaking with me earlier this week and that if one had been received my sale would have been put on hold. When my real estate professionals emailed a copy of the faxed documents and fax confirmation to the liquidation escalation team to verify it had been sent and received by PHH, XXXX back tracked over her mistake of not acknowledging the XXXX faxed offer and sending a letter out with an inapplicable denial reason on XX/XX/XXXX by telling the escalation team there just wasn't enough time to review. This is not the truth of what she told me though before I had the professionals I hired verify their work, and I feel very mislead by XXXX and the inconsistent information she's given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Bank has been told that this XXXXthe Regions bank on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and Regions Bank

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 2020-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I'm currently trying to get my credit score up and when i looked i saw that I have about {$10000.00} in debt from medical services at a few different hospitals and XXXX  when I had insurance that was supposed to cover it. I had no idea about these until I just checked my XXXX XXXX report. What do I or can I do to get these removed? They have destroyed my credit rating and now I cant do anything like get a home or car or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: GA

Complaint narrative:
Incorrect Bankruptcy showing on my credit report belongs to someone with similar name. XXXX has found it to be an error and deleted it. Experian and XXXX have refused to do so. I have attached my XXXX report showing there are no Public Records bankruptcies attached to my credit file. The address that was reported on the bankruptcy is not mine nor have I ever lived there. Please review the attachment and delete the error immediately. It has not been verified by anyone because it does not belong to me. The Northern  District Bankruptcy Court of Georgia have verified none exist for me nor have they given that information to Experian or XXXX due to their policy.

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 2020-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted the bank via phone between XXXX and XXXX to determine if a payment I'd made on XX/XX/XXXX while logged into my online account had been posted yet, or was about to be posted. I spoke to a rep named XXXX XXXX, who said he was in Maine. He said he had to authenticate my account before he could help me. He asked me for the 3 digit code on the back of my card, which I provided. He asked me if he could send a code to my email account but I told him my computer was not turned on yet. He then said he'd have to try to authenticate my account another way. He asked me when was the account opened. I told him I didn't remember but the account currently had a 0 % interest promotion that expired in XX/XX/XXXX, and I remembered that I opened the account about 15 months prior to that. He said he didn't have a XXXX calendar, and asked if I have one so I could provide him with the month/year I opened the account. I told him no, I didn't have a calendar and don't remember the month/year I opened the account. He then asked for my drivers license number, which I gave him, but he said even with that info, he still couldn't authenticate my account. I asked him why couldn't he just ask me for my password, or ask me info that's in the public domain, and he said no, it's not done that way. He also said that since he couldn't authenticate me, I'd have to call back to start over. I asked to speak to a supervisor, and he said someone would have to call me back. It's now XXXX and no one has returned my call.

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 2020-01-23 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: OPORTUN FINANCIAL CORPORATION
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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: AR

Complaint narrative:
Since XX/XX/2019, I have sent several certified dispute letters to the Equifax consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Equifax has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Equifax has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. OnXX/XX/XXXX at XXXX XXXX  tracking ( XXXX ) was one of several letters received from Equifax on my behalf. It has been 6 months and Equifax still has yet to provide any supporting correspondence or documentation in regard to any of the dispute letters they received on my behalf.

Company response to consumer: Closed with explanation