vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 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: SYNCHRONY FINANCIAL

Complaint narrative:
Additional information for CFPB complaint # XXXX about PAYPAL CREDIT, XXXX XXXX XXXX XXXX and XXXX XXXX. 

On XX/XX/2018, PAYPAL responded to CFPB by stating that the complaint does not belong to them. 

However, as per information from PAYPAL the account was charged off and transferred to XXXX XXXX, XXXX See attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I entered into a home preservation program with Wells Fargo in XXXX. I made payments through XXXX. The payment amounts were approximately {$1000.00}. I had to make my payments by phone to XXXX XXXX at XXXX Ext : XXXX according to Wells Fargo preservation program. I could not make the payments on line. I did not receive a mortgage statement, and the online account did not reflect the proper credit from my mortgage payments. I complained and was told that it was because I was in this program. The Wells Fargo statement I have attached I downloaded from the Wells Fargo website because I have not received anything from Wells Fargo mortgage in the mail since XXXX. The statement reflects that the mortgage payments were approximately {$1200.00} but the documentation I received from the preservation program reflected the mortgage payments to be {$1000.00}. My house flooded in XXXX and XXXX. In XXXX I sent a request to Wells Fargo asking for assistance from the flood and also stating that I would be late on my XXXX payment and possibly my XXXX payment because I needed the money to payment for items that lost during the flood - a mattress, etc. Today I called to make my XXXX and XXXX payments and was informed that I was 6 months behind on my mortgage payments and that my house was in foreclosure. I never received anything in the mail about a potential foreclosure on my home. I recently took a hardship withdrawal from my retirement plan to make the repairs on the basement, so why would I ignore payment notices, foreclosure notices, phone calls, etc. I didn't ignore them, I never received them.

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 2018-08-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I paid XXXX XXXX a deposit via opening a Care Credit account before possibly having work done for XXXX. This work was not done. XXXX XXXX gave a credit back to the account. I called Care Credit this year and the customer service verified this credit balance to XXXX XXXX and thus I used the account to have XXXX dollars work done. I should have at least XXXX dollars credit left. I then was billed and the account shows a debt of XXXX. 
I was incensed to find out that customer service has no record of the negative balance preceding the work at XXXX XXXX. I am being charged late fees too and should have that removed. 
I paid XXXX just to keep my good 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 2018-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've been paying {$100.00} each month on my capital one credit card but it doesn't affect my balance. My balance continues to rise even though I keep paying on time, so I'm not making any progress toward paying of this credit card. I'm fighting a losing battle ; I've tried to negotiate with them, but it hasn't done any good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX  and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX  are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment  not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX at XXXXXXXX i received a phone call from XXXX XXXX from XXXX XXXX XXXX saying they are calling to collect a debt of $ XXXX from a pay day loan i got back in XXXX. I asked them to send me paperwork something in writing and she replied that my opportunity for " discovery '' was over and she would send the police to my job and they were going to garnish my wages. I tried to explain that the debt was paid and i could prove it and again was threaten with send cops to my job. She also said she would be contacting my boss at that point I asked to speak with a supervisor and was told that i was speaking to the supervisor and she hang up. Same day at XXXXXXXX   she called my job and told her there was no need to call my job she had already spoke with me and she yelled " ill just call corporate '' and hang up. I checked my past emails and the debt was completly paid besides {$15.00}. How does {$15.00} turn into {$4000.00}. When i called back to try to inform them of this i was immediately placed on hold for 30 minutes. Around XXXXXXXX same day my brother calls me informs me XXXX XXXX XXXX had just called him. Why would they call my brother when they had already spoke with me? I have tried to call this company and they must have caller ID because i call the phone picks up no one says everything and im placed on hold. Cant believe companies are allowed to behave like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
XX/XX/2018 Our Mortgage is current, and the payment is {$2000.00}, The Mortgage Company is Seterus, Inc.. All payments to Seteus are drawn through XXXX XXXX XXXX . Enclosed, you will find evidence which show that the payments were made. The Seterus Mortgage statements or letters show that the payments were made for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX However, the Mortgage Company has returned the payments or not given credit to the payments ; making it appear that we are in arrears. Our paid YTD statement was {$12000.00} as of XX/XX/XXXX, and our YTD statement was {$12000.00} as of XX/XX/XXXX.

On XX/XX/XXXX paid -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} On XX/XX/XXXX paid -- -- -- -- -- -- -- -- - {$2000.00} The XX/XX/XXXX payment was made on XX/XX/XXXX, and the payment was returned on XX/XX/XXXX. XX/XX/XXXX payment was paid again on XX/XX/XXXX. XX/XX/XXXX payment was paid XX/XX/XXXX. XX/XX/XXXX payment was paid on XX/XX/XXXX. My husband & I are both Senior Citizens, and our income is derived from Social Security. We are both hardworking Americans. We are concerned that Seterus would send us a Mortgage Statement for {$8300.00} to be paid by a cashier check. All of our previous payments have been done through Automatic Checking/Speedpay. The Mortgage Payments are current except for late 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 2018-08-27 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: FL

Complaint narrative:
XXXX is listed my credit reports as 120 days late. This account has never been late. This account is in forbearance status. I have attached the appropriate documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I am a 16 year XXXX XXXX Veteran. I completed my XXXX XXXX while serving XXXX XXXX. I had XXXX subsidized and unsubsidized Stafford loans consolidated. South Carolina XXXX XXXX XXXX XXXX duplicated my loan amounts when I consolidated. My balance is double what I should owe. 

Deployments, moves, and life has happened over the years. I sent in a audit letter in XXXX, contacted them XXXX XXXXXXXX. I provided them with copies of my military orders ( XXXX Act, loan rate should have been decreased ). I placed the loan in forbearance, allowing them time to fix the issue. In XXXX I was notified that my account was given to the current holder XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX, NE XXXX Account .... 
Phone calls and letters to the Loan provider has not resolved this issue. Looking to gain your assistance to get my loan balance corrected, and lower interest back dated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
there some miss management on my loan, my loan was, with XXXX XXXX, then XXXX XXXX, and then, GMAC, then Owen loan servicing now. i have try to get help and all they are doing is working to take my home. i file a complaint with XXXX XXXX office here in XXXX and at that point they being trying take my home, i also went to a hub Offfices and they Still refuse me help FOR MODIFICATION, i put in for the hard hit and the refuse that. at this point in and very thing i put in for they deny for help, i am XXXX  and can not work and the refuse Everything to help me on my house, THEY TOLD HARD HIT, THEY WOULD NOT TAKE THE MONEY OR I DIDNOT QUALIFY, FOR ANYTHING THAT WILL HELP ME, TO SAVE MY HOME, I HAVE FILE CHAPTER XXXX, SO THEY WOULD NOT TAKE MY HOME, AS, I AM XXXX., I FILL DISCRIMINATE ON., MY LAWYER GAVE A CONSENT TO WORK WITH ME AND THE HUD COUNSELOR AND VERY TIME SHE OR I CALL THEY SAY THEY CAN NOT TALK TO COUNSELOR, OR ME, I JUST HAD TO FAX THIS PAPER AGAIN TODAY XXXX, WHEN IT WAS ALREADY FAX 'S OVER ABOUT TO MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have had a credit card thru Bank if America since XX/XX/XXXX. A couple of months ago I received a new card with an expiration of XX/XX/XXXX. In the letter they said there had been some type of breach on there end and was issuing new cards. 
Two months ago I tried to make an automated payment like I have done for years. A few days later I receive a letter saying it was turned down by my bank. I called the bank and was told that it had to be something on the credit cards end because my bank does not send my payments back. I had more than enough in the account but the bank don't send payments back on my account. I called the credit card company and got it paid after speaking to a human.Then I did another credit card payment this month. Few days later another letter. I called Bank of America again and spoke to someone. She told me they didn't have my whole account number even though I've been paying out of the same account for years. I've had the same account number for 34 years. 
I tried to use the card today,XX/XX/XXXX, for a XXXX purchase and it was declined. I called Bank of America and was told my card was cancelled because of the two payments that were returned. The returned payments were not because of something on my end it was the credit card companies fault. Just as soon as I received the letters I took care of the problem. It just seems like I should have some say in this after having this card since 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 2018-08-27 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: Total Card, Inc.
State: AR

Complaint narrative:
On XX/XX/2018 I submitted a complaint with Total Card inc Previous Complaint was XXXX, My complaint was for the company to send me viable evidence bearing my signature showing the account and the original contract, they failed to send me proof with my name and proof of the account with my sign legal name,,, I am the consumer and I have the rights to see and overlook the account information and I have asked for the proof of the account with my name on the original contract, they have not sent it and that's is a violation of my rights .... I am obligated to file a small claims suit due to total card still failing to send me proof of the alleged account,,, you are now asked to delete the account from my credit from all 3 credit bureau,,, you were given 30 days to send me proof and you still failed to send,, please delete the account from my credit file,,, you are in violation. I have repeatedly asked for evidence to support your reporting but yet again you have failed to provide me with a copy of any viable evidence, Total visa is in violation of the Fair Credit Reporting Act. On XX/XX/2018 Total Card responded to my complaint and stated that the signed contract was attached to the response but there was no account contract attached,, Total please delete the account from my file or I would be subject to file a small,, claim I have proof that I have asked several times for proof and you failed to send it,, you may be liable for your willful non-compliance, I have copies of the attached document that was sent to me as the response from total card which did not provide the contract or anything with my signature on it,,, I have pictures enclosed of the only items that was attached to the response from TOTAL CARD ON XX/XX/2018,, didn't send the paper work,,, in violation of the federal law In they response is says the account contract was available,, I have took pictures to show that the attached response didn't have a contract with my name on it,,, or any contract

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018. 
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}. 

I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA. 

I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax , Inc. never thoroughly investigated my compliant under the FCRA & FDCPA. 
-- -- -- -- -- -- -- Equifax , Inc. continues to report XXXX on my credit file even after I provided verifiable evidence ( see attachment ) of XXXX deliberately responding to my certified debt validation 30 days after the time period allowed for creditors to respond. 
-- -- -- -- -- -- -- On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
On XX/XX/2018, I made a call to GC Services and made a {$990.00} payment for my father 's account ( XXXX # XXXX ). The representative took my payment and said there may be a small sum left over. A week or so ago I am called back by XXXX XXXX asking if I could cover the remaining of the balance. I informed her that I was not the account holder, and that this was my cell phone number ; never provided or gave them authorization to call. She asked if I had another number so I could reach my parents. I provided it, and ended the call. The next day she called informing me that she was trying to collect the payment. Again, I informed her this wasn't my account and that she needed to call the number I provided. Mrs. XXXX advised that there was a note to not call the number I provided, and asked if I could get a message over to my parents to have them call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
Credence was sent a debt validation request and all they sent back was that the debt was verified. I was never sent any proof from the company that the debt is mine ( no statement, billing information nor anything with my signature ).

Company response to consumer: Closed with explanation