vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I spoke with representatives from Monterey Collections on XX/XX/XXXX who are charging me outrageous interest and fees on a sold account from XXXX XXXX XXXX XXXX ( XXXX ). Rep XXXX and another employee threatened that the account would be referred back to XXXX in order for legal action to be taken against me. I then requested the contact information for that legal department in order to assure that legal action would be filed seeing as it has been a difficult process working with this company and XXXX. I was denied the information of said threat. On XX/XX/XXXX I contacted both original debtor ( XXXX  ) and finance company ( XXXX XXXX ) who both stated the status of account was Servicing transferred ( sold ), the original amount {$4600.00} received a payment of {$110.00} as of XXXX XXXX ( last payment ) of which was a result of a loan modification on which XXXX defaulted on, and the maintenance was stopped/forefeited on XX/XX/XXXX. This company is consistently in violation of FDCPA rules/guidelines. They are reporting erroneously on my credit report falsified information and have threatened to take legal action of which speaking with rep XXXX from XXXX and XXXX XXXX XXXX there is no such legal dept that Monterey Collections is able to continue threatening me with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When Sallie Mae broke off from Navient, I did not receive a notification that I was needed to renew my income-based payment plan. That notification is required by law. The company then capitalized the interest on my loans, costing me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have 2 credit card accounts I would like to close with Bank of America. When callin in they place me on hold indefinitely.

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 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX I recieved a letter from Bank of America stating that I had a returned payment or check in the amount of {$50.00} and they charged me {$50.00} for a returned check fee.. I immediately checked my checking account and there was Thousands in that account and I have overdraft protection as well. I called XXXX XXXX XXXX and wanted to know why this wasn't processed and they said they had no such charge or returned check in my account ever. I called Bank of American and was put on hold for over 40 minutes the first round and finally spoke with someone and they said I had to pay the {$50.00} returned check fee because the payment wasn't processed. She then proceeded to tell me my account wasn't past due because I make a {$120.00} payment the day before that went thru fine. I tried to explain that I didn't make any additional {$50.00} payment and this charge was never made from my bank and they confirmed that. She said she had to transfer me to a different department for them o investigate. I waited another 24 minutes to speak to someone else and he said he couldn't help because he was in the wrong department. He proceeded to transfer me to someone else and after waiting 41 minutes I gave up and decided to file a formal complain. Bank of American clearly doesn't value their customers time and is involved in some kind of scam to collect fee 's from customers on accounts that aren't even past due. My bank confirmed they didn't have any cancelled or unpaid payment to any of my creditors. I've spend hours on the phone and couldn't get ahold of anyone who cared enough to figure out how this happened.

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 2019-08-06 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: GA

Complaint narrative:
I sent Transunion a letter informing them of a potential fraudulent account on my credit. They said that my concern was not valid without even conducting an investigation. According tocthe Fair Credit Reporting Act Section 611 [ 15 USC 1681I ], they should conduct a reinvestigation my credit file. They have no way to ascertain the legitimacy of my action without investigating the items in question.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEMS INC PHONED ME ONCE SEVERAL MONTHS AGO IN AN ATTEMPT TO COLLECT A DEBT OWED TO XXXX PHONE COMPANY. I ASKED THE IC SYSTEMS REPRESENTATIVE TO SEND ME A VERIFICATION OF THE DEBT AND TO ONLY CONTACT ME VIA WRITING. THEY NEVER PROVIDED ME WITH ANYTHING REGARDING THIS AND HAVE PLACED THIS ON MY CREDIT FILE AS A COLLECTION ACCOUNT. TODAY XX/XX/2019 I WAS CONTACTED BY AN XXXX XXXX XXXX  REGARDING THIS AND WAS TOLD THAT THEY HAD RECEIVED MY FILE. I ASKED THEM TO SEND ME A VERIFICATION OF THIS DEBT AND WAS PROMISED TO RECEIVE THIS IN 7-10 DAYS. I WILL MAKE ARRANGEMENTS WITH THEM IS EVERYTHING IS ACCURATE AND VERIFIED BUT IC SYSTEMS HAS BEEN WILLFULLY NEGLIGENT IN THEIR REPORTING AND COLLECTION PRACTICES. UNDER SECTION 616 AND 617 OF THE FCRA THIS COULD LEAD TO MONETARY DAMAGES TO THEIR AGENCY. I AM REQUESTING THIS INFORMATION BE REMOVED FROM MY CREDIT FILE AS I HAVE NOT BEEN UNWILLING TO PAY THIS I JUST HAVE NOT RECEIVED ANY VERIFICATION AS REQUIRED BY LAW WHEN REQUESTED. 

IC SYSTEMS CONTACT INFO IS XXXX XXXX XXXX XXXX , XXXX XXXX, MN 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 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I had ONE outstanding medical bill from a XXXX which as sent to Online Information Services. However, instead of reporting ONE account outstanding, they divided the accounts into several balances based upon the service dates and report 5 separate accounts to the credit bureaus. This should not be legal, this is tantamount to a credit card company putting a collection for every point of sale you used the card!!

I reached out to OLIS ( XXXX ) to request they combine these items to one balance as it was at the original creditor. She refused this request. Having 5 delinquent accounts is adversely affecting my credit score and I have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my friend sent me {$400.00} ( of which {$6.00} were fees ) over Square Cash I had the immediate debit card transfer turned on, and the funds transferred over to my XXXX XXXX  debit card. However, I had closed down the bank account ( and debit card ) a few days prior. 

XXXX XXXX  said that they did not receive the funds Square Cash said that they confirmed with the payment processor that the funds were successfully sent to XXXX XXXX I am now in a predicament because my {$390.00} has essentially disappeared in thin air. Neither party is claiming responsibility for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
ON XX/XX/XXXX I COMPLETED A LOAN MODIFICATION PACKAGED AND FILED IT IN A TIMELY MANNER WITH XXXX XXXX VIA MAIL AND FAX SHE ACKNOWLEDGED RECEIT OF PACKAGE VIA A RETURNED LETTER AND VIA PHONE FROM HER XXXX XXXX OFFICE ON XXXX OF XXXX SOME SEVEN TO EIGHT DAYS PRIOR TO THE XX/XX/XXXX TRUSTEE SALE DATE PRIOR TO THIS LOAN MODIFICATION ON XX/XX/XXXX THE YEAR THAT THE HOMEOWNER BILL OF RIGHTS ( HBOR ) BECAME LAW IN CALIFORNIA I HAD A PREVIOUS MODIFICATION FILED. MY PRINCIPAL BALANCE WAS XXXX ( SEE ATTACHED ) AFTER MY THREE TRIAL PAYMENTS XXXX XXXX XXXX I WAS ON MY WAY TO PAYING OFF MY FAMILY HOME ON A VERY SOLID PAYMENT PLAN THEN THROUGH SOME FRAUD AND DECEPTION NOT HONORING OUR VERBAL CONTRACT I FOUND OUT ON THE WRITTEN CONTACT XXXX XXXX XXXX BALANCE DID NOT REFLECT THE VERBAL NOR THE THREE TRIAL PAYMENTS BALANCE, A DISPUTE ENSUED AND FOR 26 MONTHS ARE BETTER I TRIED TO RESOLVE THIS ISSUE ONLY TO HAVE TO DEAL WITH MUCH MORE SLIPPERY DECEPTIVE AND BIASED BEHAVIOR FROM NUMEROUS SERVICING CHANGES, RELOCATION OF MY FILE TO XXXX XXXX TO XXXX XXXX THEN NUMEROUS P.O.C 'S ( SEE ATTACHED THEN CAME THE ATTORNEYS AND LAF FIRMS. WHICH BY THE WAY RUSHMORE SEEMED VERY DECEPTIVE IN IT RESPONSE TO MY PREVIOUS CFP CASE # XXXX NO MENTION OF THE XX/XX/XXXX SALE DATE SEE ATTACHED DOCUMENTS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
When I reviewed my credit report I noticed that there are accounts that are not mine. I want these accounts removed.

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 2019-08-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I submitted several disputes to Experian that they are reporting the same account on my credit file more than one time. They will not correct this.

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 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have a small business XXXX  XXXX  XXXX  and XXXX XXXX  XXXX., since XX/XX/XXXX.. I filed for bankruptcy and discharged last XX/XX/XXXX. I tried to revive my small business but the economy continue to get worse in the XXXX XXXX. I owed almost {$10000.00}. to 3 different credit card companies. Last XX/XX/XXXX, I tried to negotiate in a letter to lower the interest rates and modify my accounts. They all rejected my request. My golf business is now " DEAD '', no income. My only income now is from my social security, just enough to pay my mortgage. For the last 5 months now, I have not paid my credit cards. I have now letters from " lawyers/collections agency '' threatening to sue me. I really DO NOT HAVE ANY MEANS /money TO PAY THEM ... I still have a lot of inventories in XXXX XXXX and XXXX  related products like, shoes, belts and boots.. I am doing a regular " garage sale on week ends '' I need your help and advise on what to do. Please point me to the right direction of what to do.. Respectfully yours, XXXX XXXX XXXX XXXX. Tel. XXXX. My address is XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: FL

Complaint narrative:
I am a victim of identity theft and there are accounts on my report that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: MO

Complaint narrative:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  Acct # XXXX CHARGE : {$970.00} XX/XX/XXXX Reason : Unverified Account 2. XXXX XXXX XXXX XXXX XXXX XXXX . 
Acct # XXXX CHARGE : {$710.00} XX/XX/XXXX Reason : Unverified Account 3. XXXX XXXX  XXXX   XXXX XXXX XXXX  Acct # XXXX CHARGE : {$150.00} XX/XX/XXXX Reason : Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: MD

Complaint narrative:
The company name is Williams & Fudge , INC . 
Ive been receive called from them, threatening me multiple times. I got tired, they told me that I owned {$8800.00}. 
They send me a letter to make payment right away. I dont have nothing to deal with this Company. Today XX/XX/2019. They tried to collect my personal information. Im afraid my personal identity is not safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/19 : Both Merchant and Cardholder agree that consent was given to bill for {$69.00} of transportation service. Both Merchant and Cardholder agree that transportation service was never provided due to weather. Both Merchant and Cardholder agree that accordingly Cardholder is due a {$69.00} refund. 

XX/XX/19 : Merchant does not issue refund. Cardholder files dispute with Bank. 

XX/XX/19 : Bank issues Purchase Adjustment for {$69.00}. 

XX/XX/19 : Bank sends letter to Cardholder reapplying charge of {$69.00}. Bank provides statement from Merchant claiming that {$69.00} was refunded in cash. Merchant provides no additional documentation pertaining to such refund. Bank unilaterally closes dispute. 

XX/XX/19 : Cardholder sends letter to Bank attempting to reopen dispute. Cardholder denies ever receiving a cash refund. Cardholder also cites Mastercard Transaction Processing Rules, Section XXXX which explicitly forbids cash refunds in such cases. Cardholder requests {$69.00} credit to the same Card Account used to make the purchase per Mastercard Transaction Processing Rules, Section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my TransUnion, XXXX and XXXX  credit reports starting in XXXX. 

Since XXXX my XXXX report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX  incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For TransUnion  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my TransUnion score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.

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 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
I received a judicial summons on XX/XX/XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm Hunt & Henriques in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. XXXX XXXX is fraudulently trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 120 days late on succeeding succeeding months, with different balances? How is this even possible? Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Received a voicemail and message from my mom regarding a civil suit for a breach in contract with Fifth Third Bank from a checking account for $ XXXX XXXX that was XXXX in XX/XX/XXXX. Informed that notice would be served to my employer on XX/XX/XXXX of the balance was paid along with litigation filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a judicial summons on XX/XX/XXXX. XXXX to appear in court on XX/XX/XXXX to collect a debt in the amount of {$11000.00}. I sent a letter to the court on XX/XX/XXXX acknowledging that I received the summons. I also made contact with the law firm XXXXXXXX XXXX XXXXXXXX in an effort to settle the debt. I have now received a court order to garnish my wages beginning XX/XX/XXXX in the amount of 25 % bi-weekly. I never received any additional letters about garnishment of wages and this was sent before my chance to stand before a judge on my court date. Capital One is fraudulently trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I bought a house in XXXX, Georgia in or around 2007. The mortgage was refinanced once, I believe, The current monthly payment due is {$340.00}. I have been making monthly payments of {$400.00} for several years now. I am well paid ahead ... 

My issue/concern is how these payments are being applied toward the interest and principal. The applications are erratic and I believe the amount applied to principal versus the amount applied to interest are greatly distorted. The amount applied to principal, I believe, is completely wrong. 

I have contacted the bank mortgage department twice within the last two months. The second time because they failed to respond to the first. Now, I am still waiting for a response to the second. 

The bank is Wells Fargo.

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