vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened an account with BBVA and transferred a balance. I noticed my first payment had not been withdrawn from my account, called the company and was informed that I had mailed the payment to the wrong address. I got the correct address and remitted payment. The payment was made before a late fee should have been incurred, but I was charged one anyway. The phone support said there was nothing they could do. 
The company then started started charging me a {$1.00} monthly fee as I had had a late charge. I phoned a local branch and spoke with a helpful person who got the late fee refunded, and said the {$4.00} in minimum fees which had been charged to my account would be returned. I received my statement today. The late fee was refunded, but the {$4.00} dollars in minimum fees were not, and an additional {$1.00} fee was charged to my account. I am in the zero interest period on my account. My statement indicates {$0.00} balance subject to interest rate. I should not be incurring any fees or interest. In addition, the balance transfer fee is listed on the account as a cash advance. I have made no cash advances or purchases on this account. I am concerned about their business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
I requested validation of debt and company responded on XX/XX/2017 confirming that the debt could not be validated and would be deleted from my credit reports. Instead the company sold the debt and it now appears on my credit reports from a different collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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 — Was not notified of investigation status or results
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
This complaint relates to a transfer of loan servicing from XXXX to XXXX XXXX/LoanCare or whatever their name actually is? The Loan number is XXXX, collateral XXXX XXXX XXXX XXXX XXXX, Ca, XXXX. During the transition negligence was obvious in who, where to make a payment.? I made the same {$560.00} Monthly payments to XXXX and each and every check was cashed. Finally I began making my payments to XXXX XXXX? Then Loan care ( extreme vagueness ), The comedy of errors a misapplications of funds including ( I make all mortgage payments by a third party -proof of service by mail and certified mail ) even with that timely payments are applied in the late on or after the XXXX so they can make profits of penalties.. The instant claim involved the simple fact that that each and every month for the last year and the preceding years I have made all payments for {$560.00} on time to XXXX and now Loan Care, copies of checks sent to show the application of each month to the appropriate check cashed by XXXX, XXXX  XXXX and Loan Care and their inability to find proof of all payments made is tatamount to conduct that serves no useful purpose but to harass and annoy. They are debt collectors first and customer service second, unable to resolve conflict that most reasonable people would discern easily.

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 2019-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
I paid all money owed to XXXX XXXX College on time. They lost checks and charged additional late fees and held my transcripts until I paid. I ended up overpaying them {$100.00} because of their accounting error and when notified they sent me a check for {$100.00}. In early XXXX I received a notice from Reliant Capital Solutions that I was sent to collections for {$100.00}. I sent Reliant Capital Solutions all the supporting payment documents showing all debt was paid and saying not to contact me further. I received another letter XX/XX/XXXX with an incorrect ledger card with a {$100.00} balance. 

Here are a list of my payments on original debt of {$830.00} : XXXX {$100.00} XX/XX/XXXX {$200.00} XXXX {$100.00} XXXX {$100.00} XXXX {$430.00} for a total of {$930.00}. A refund was issued by XXXX XXXX College for the over payment of {$100.00} but they have still sent me to collections. The attached ledger card is from XXXX XXXX College shows the over payment. This is not the same ledger card the debt collector has sent which is also attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have been paying for my Mortgage through Ocwen Loan Services, and it seems my mortgage has been moved to another company called XXXX ( PHH Mortgage Services ) I need PHH Mortgage Services to report my account information and payment history to the 3 major Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On the process of transferring this account, I asked you on where I should send my payment for XX/XX/2019 and you told me to wait until the process is done and now you are reporting me with 30 days late on XX/XX/2019. This is unacceptable! Also, This account is transferred/sold. There should be no late payments on this account. 
I believe that I had made my payments to you when I received my statements. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX XXXX XXXX** , XXXX XXXX****, XXXX XXXX****, XXXX XXXX**** and XXXX XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: VA

Complaint narrative:
In XX/XX/2019, I contacted Coast Professional , Inc. and asked to verify the completion date for Loan Rehabilitation Program. Cost Representative stated, " Your loan will be considered rehabilitated in XX/XX/2019 ( i.e., ninth on time payment ) ''. However, I was told to resubmit financial data to re-certify payment amount. Coast Professional received my Package on XXXX XX/XX/2019 and increased my payment from XXXX to XXXX per month. I was not given the opportunity to appeal this process nor was I given an exact date, which the new amount would be in effect. I continued paying my loan at the XXXX amount, until payment data was updated via Department of Education website ( www.myeddebt.ed.gov ).  This occurred in XX/XX/2019, albeit Coast Professional , Inc. did not notify me in writing of required payment increase due date. In 2019 alone, I have successfully submitted ten on time payments and forfeited XXXX of Tax refunds via Treasury Offset Program. Despite this stellar accomplishment, coast Professional, Inc. Representatives refuses to transfer my Loan out of Default status. Coast Professional , Inc. is a  Government Contractor and collects a monthly fee for every loan in their portfolio. Hence, it is profitable for Coast to maintain a grip on XXXX XXXX student loan debt.

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 2019-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : 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 2019-10-26 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: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXXXXXX XXXX*** , XXXX XXXX**** and XXXX 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 2019-10-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Well i was effected by Identity theft and was told to file a police report and File a Theft report with the F.T.C. Well I filed my F.T.C Theft report on or around XXXX and recontacted them around XXXX for any update on my case. I was told it was still under investigation. Well its now XXXX and i havent heard anything about my Identity theft file claim. Its been way over 30 days and i havent had any update or anythjing to my account. I was told it takes up to 48 hours for my file to Block the Stolen Info thats on my report. But XXXX and Transunion wont Block and complete my theft report claim. Its been over 60 days and I havent got any responses. Can you have them to please Block the account so i can get thru this horrible Identity theft. XXXX   followed up without any issues and Blocked after there investigation. So why cant the others follow suit and do the same since they BOTH verify about the same way. I hope its accurate and not illegally posted.

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 2019-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Enterprises, LLC
State: NM

Complaint narrative:
I have discussed this case with a lawyer and found that under federal law, the original creditor, XXXX XXXX XXXX XXXX, can not report a late payment to the credit bureaus until it is 31 days past due. I sent evidence that my first statement date from my XXXX hospital stay was XX/XX/19. It showed that my payment plan required {$50.00} to be paid by XX/XX/19, and I showed evidence that the payment was paid on time by credit card. My second statement date was XX/XX/19, and stated that my account was past due. At that point, the 30 days starts. They sent my account to Revenue Enterprises on XX/XX/19, only 13 days after it was reported to be past due, even though I showed evidence that I made the payment required on my payment plan within 10 days of the statement date. I then received a bill from Revenue Enterprises dated XX/XX/19, only 15 days after my account was determined past due, which is only 1/2 of the time required by federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
XXXX Unfortunately you closed the case without listening to me? 
I just received a letter from this company and I am sending it to you..that letter shows that this medical bill is not mine.The name is on the letter is not my name. 

THIS MEDICAL BILL IS NOT BELONG TO ME. 
AND THE PROOF IS ATTACHED.PLEASE RESOLVE THE PROBLEM. 
THANK YOU I sent you all the information under the case XXXX please look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: FL

Complaint narrative:
Hello I have been disputing inaccurate account information on my Student Loans with TransUnion for about five months now, since XX/XX/2019. They continue to updated inaccurate information. I have enclosed clear inaccuracies below. Please help me.

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 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: TX

Complaint narrative:
I called to close my bank account because I have moved states. I was told I could not close due to a monthly fee of {$5.00} that I had been charged for not using the account enough. This {$5.00} charge overdrafted my account by {$1.00}. I transferred {$5.00} to the account the same day and it posted the following day. Meanwhile, Union Bank began charging me an additional $ XXXX/day for a continued overdraft fee for 5 days. I transferred {$40.00} to my account again and called customer service. They reversed the overdraft fees and said my account would officially be closed at the end of the day XX/XX/XXXX, and the remaining balance would be mailed to my new address. I checked my account today and Ive been charged {$41.00}. {$2.00} remain in my account. I called and asked why Im being charged anything today when my account closed the day before and had no pending charges yesterday. The only information they could give me was that it was a branch charge, and they could give me more information tomorrow, but could do nothing until XX/XX/XXXX because the branch is closed. I do not understand why I would be charged {$41.00} if Im just closing my account. I have been trying to close my account since XX/XX/XXXX. It is beyond ridiculous at this point, all of these hidden charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : 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 2019-10-26 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX**** XXXX XXXX   XXXX**** XXXX  XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX** XXXX XXXX**** XXXX XXXX**** XXXX XXXX**** and XXXX 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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Date Reported- XX/XX/16 Amount- {$1200.00} Reported For- Suspected Fraud Activity I was never informed/aware of this activity from Bank of America 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