vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
Stearns Lending from XXXX XXXXXXXX, VA sent me a Notice of Servicing Transfer. In that letter it stated that payments could be made to Stearns until XX/XX/2019. On XX/XX/XXXX I made my normal payment to XXXX online. In their confirmation email, it stated that if it was submitted before 10 pm EST it would be posted that day ( my submission was at 1:27 pm EST ). After about 11 days had passed, I noticed the amount had never been deducted from my account. I replied to their payment confirmation email and received an auto-generated response with a reference/ticket number ( XXXX ). The following morning I called their customer service phone number to check on the status of the ticket. I was informed that they cancelled my online payment because they no longer service my loan. They never informed me of the payment cancellation. 

These are unacceptable business practices. First of all, if a company says they can accept payments through a certain date, they need to honor that commitment. Secondly, if they cancel a payment a customer has made, it is imperative that they let the customer know. 

Finally, my new mortgage company, XXXX XXXX   XXXX from XXXX, IL has not been much better at this point. They did not contact me at all. I had to call them to get my new loan number. 

I am afraid that the business of buying and reselling mortgages has gotten to the point that the consumer is at the bottom of any consideration or sense of responsibility, or moral obligation, by the mortgage companies. Maybe it is time for some house cleaning and harsh fines levied against companies that fail to take into consideration the rights of consumers. 

[ Note : I have not included any documents, but if needed I can supply the Notice of Servicing Transfer, the email confirmation of my payment, and the email auto-replies with the ticket/reference numbers. ]

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 2019-07-11 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: MO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

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 2019-07-11 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: MO

Complaint narrative:
XXXX ; Experian and XXXX are incorrectly reporting the XXXX  XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.

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 2019-07-11 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:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IN

Complaint narrative:
XXXX XXXX ( Cable/Cellular ) has passed a debt on for collection to Enhanced Recovery Company, XXXX XXXX XXXX, XXXX, FL XXXX in the amount of {$820.00} on XXXX/XXXX/2017. I was never informed of any debt and I would like this cleared off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TekCollect Inc.
State: NC

Complaint narrative:
Please note my " Validation and Verification '' letter to Tek Collect Inc was received by the company on XX/XX/2019. To this date XX/XX/XXXX I still have not heard any response of an investigation and yet it is still being reported on my credit. This is showing as a " Medical Debt '' and also infringes on my Health Insurance Portability and Accountability Act ( HIPAA ) privacy. 

It has been more than 30 days and I request that this debt be deleted as no verification and validation has been done to confirm if this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: IN

Complaint narrative:
XXXX has passed a debt to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX for {$600.00} on XX/XX/2019. I have a current account with XXXX. This is an invalid claim. I would like this taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I applied for mortgage assistance with PHH my new company which really is still Ocwen just changed the name. I was turned down. While I am not asking for the loan for a modification per say. What I am asking for since I have a balloon payment due to them to pay off the entire mortgage on XX/XX/2020 I wanted the past due which when I asked was 3 months to be added to that balance so I can start paying form the next new month fresh which allows me to refinance and pay off my balloon and get a fresh start. 
There was no help offered. I want to stay in my home. I know that I have had modifications reticently but things have changed for me for the better so this is the best way to do this. And I want to do this before all the added costs of a sheriff sale start. 
But once again they offered no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was charged {$26.00} by Experian on my XXXX XXXX card. I have a credit freeze on my accounts but never signed up for a fee-based services. I called the number listed for Experian on my XXXX XXXX bill which you can not speak with a Customer Service Rep. It is not an option. The company 's website doesnt allow you to cancel or dispute charges online.

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 2019-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Student Loan Finance Corporation
State: MN

Complaint narrative:
I have three fraudulent student loans from Reunion Student Loan Finance Corporation XXXX XXXX XXXX XXXX XXXX SD XXXX, which bought the original loans from XXXX XXXX XXXX ( XXXX  ) on my credit report from XX/XX/2003. XXXX was closed due to fraud and they had a partnership with Minnesota XXXX XXXX XXXX, which also shut down due to fraud. The loan amounts are {$2800.00}, {$2800.00} and {$5000.00}. I have filed a police report and a report with the FTC. I have disputed the loans with all three credit bureaus, but only XXXX has removed them from my credit report. I want these loans removed from XXXX and XXXX immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: MO

Complaint narrative:
XXXX ; XXXX and Transunion are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.

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 2019-07-11 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: MO

Complaint narrative:
XXXX  ; Experian and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.

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 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went into a Wells Fargo branch due to fraud charges on my account. On XX/XX/XXXX They told me they will refund me all the fees and chargers on the account. I get an email notification my new card was shipped on. On XX/XX/XXXX I get an email saying my new card has shipped. On XX/XX/XXXX I get an email saying the account has been closed. I call in an was told because my account was negative for so long it had been closed for XXXX. They person from the claims missed a transaction and it was closed due the negative balance. I had this account for almost 20 yrs I told them and no one told me when I was in the branch I needed to make a deposit. The rep I spoke to told me to call XXXX. I call them I explain to the rep what happened. She said the account is closed they no longer offer my type account. I told her I would like to speak to someone who can look in to this further and help me. She says nothing can do once account is closed if I would like to speak to fraud claims dept for the missed transaction I told her no I want to speak to someone who can look in to this clear it up. I shouldnt have to speak to bunch of different departments then she says she will file a complaint gives me a claim number of XXXX and tells me someone should call me. This should never happen. They explain this to me as if I was work for Wells Fargo and know all the different departments and what they handle. I told her I am a customer not a Wells Fargo employee.

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 2019-07-11 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: MO

Complaint narrative:
Equifax and XXXX are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TX

Complaint narrative:
I disputed the inaccuracy of an bankruptcy that was on my credit report with all 3 credit bureaus. XXXX was the only on deleted the inaccuracy from my credit report. Experian  and XXXX are still reporting it as being verified but want state how they are verifying it. I have disputed it several times with my lastest being XX/XX/XXXX. I tried again in XX/XX/XXXX but they are not letting me dispute again and keep saying it's verified. This is the message I keep getting from them : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I have been going back and forward with them about this for the last 6 months. On both of my credit reports it shows no numbers or account numbers to even verify the information so how is it even being verified as they are saying.

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 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Financial Asset Management Systems Inc
State: IL

Complaint narrative:
Student Loan Debt was covered by Financial Asset Management Systems , Inc. ( FAMS ) from XX/XX/XXXX through XX/XX/XXXX. 
Acct Representative XXXX XXXX Date of Authorization XX/XX/XXXX Manager XXXX XXXX If insufficient Funds Contact at least 2 days prior Phone Number XXXX Ext XXXX Hours of Operation XXXX XXXX ( est ) **Told payments would be 80 % to Principal and 20 % to Interest Late Fees I reached out to Debt company covering my Federal Student Loan  and received the following response ( included in attachments ) : XXXX XXXX XXXX Fri   XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Re : United States Department of Education Dear XXXX XXXX : This is in response to your recent email to Financial Asset Management Systems, Inc. ( FAMS ) .

Upon review of our records, your account has been returned back to the U.S Department of Education. 
If you have any questions regarding your account, please contact the U.S Department of Education at XXXX. 
Calls to and from FAMS may be monitored and/or recorded. Financial Asset Management Systems is a debt collection agency. This is an attempt to collect a debt, by a debt collector, and any information obtained will be used for that purpose. 
Kind Regards, Financial Asset Management Systems , Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX Voicemail 24 Hours -- NEW LOAN Collector per MYEDDEBT.ed.gov was assigned to XXXX XXXX XXXX.I had been advised that my Debt was at {$33000.00} for principal even with paying past 6 years monthly installments at 80 % against principal and 20 % interest. Attached excel and PDF document ( from Federal Student Aid office ) shows I paid {$17000.00} USD from XXXX. All payments were applied to interest and fees ( nothing applied to Principal balance ). Principal balance did not start getting applied by my payments until my Federal Income Check was seized by government and only 30 %  of the payment of {$4900.00} was applied to the principal balance and remainder was applied to interest. I have been making $ XXXX  monthly payments since XX/XX/XXXX, and principal balance is only receiving 30 % verses remaining of payment going to interest and fees.

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 2019-07-11 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: MO

Complaint narrative:
XXXX  and Experian are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated,  however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.

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 2019-07-11 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: MO

Complaint narrative:
Equifax ; XXXX and XXXX  are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems is reporting a debt of {$200.00} in my name which I know nothing about. I have sent a validation letter which was received by the company on XX/XX/2019 and signed by XXXX XXXX. As of today XX/XX/2019 I still have not heard anything from the company which is more than the 30 days and no verification or validation that this so called debt is mine. 
Under the HIPAA I am allowed to protect my medical privacy and I am very concerned that this company is reporting something that can not be validated or verified.

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 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We are consistently being charged with overdraft fees, even when there are deposits being made to the account before the overdraft fees can be assessed to our account. This has been happening for years, and when we ask for waivers of the fees because of this matter we get told that we are only allowed one waiver for the year, which is absolutely ridiculous to me, cause no other bank we bank with does that but Chase Bank. This has been a problem for us for years since we have had this account and I'm tired of trying t deal with it, with Chase directly.

Company response to consumer: Closed with monetary relief