vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Quall Cardot LLP
State: CA

Complaint narrative:
Having adverse moments taking care of my sick mother where she resides in XXXX. My mother had issues with a XXXX in her XXXX which debeated the purpose of paying some of my credit cards. I said its either my mother and saving her or my credit cards, enough said, had to let go on XXXX reference number XXXX now being XXXX XXXX XXXX, XXXX where they want {$6600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I am disputing an entry on my credit reports made by National Credit Management, who is collecting for XXXX XXXX for the amount of {$430.00}. I spoke to the XXXX 's XXXX at XXXX XXXX. They state my debt with the college was NEVER placed with National Credit Management and that I was eligible to pay my debt off through the college exclusively. 

I have made this payment directly to the college so that I can register for classes. The payment was made by VISA in the amount of {$340.00}, which is the ORIGINAL amount of the debt ( not {$430.00} like National Credit Management lists. 

I have disputed this entry on my credit reports for quite some time now and National Credit Management maintains they are collecting for XXXX XXXX. XXXX XXXX 's XXXX 's office has maintained this debt NEVER went into collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I was contacted through text message from a company called Money Key loans and they said that I was approved for {$5000.00} and I paid a loan I gave them all of my credit card and all of my banking information and the end I was told that I would have to send {$100.00} through XXXX XXXX and also I contacted the actual money XXXX company and they said that they have no numbers or anything pertaining to the number that contacted meAll of this took action onXX/XX/2019A target my savings account you which was through XXXX XXXX XXXX and also my XXXX XXXX account which is through XXXX XXXX XXXX It also through my next been account and two of my accounts I already have move the funds over that I had left in each account before they could even try to take anything out but I did get out all of my personal information and Im a little bit skeptical about that at this moment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I HAVE TRANSACTIONS ON MY ACCOUNT THAT I DIDNT DO STARTING ON XX/XX/XXXX.

- NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   FL XXXX ATM ID XXXX XXXX XXXX   $XXXX
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ONXX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   CA XXXX CARD XXXX   $XXXX   
- Expand XX/XX/XXXX RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX* XXXX XXXX XXXX CA XXXX  CARD XXXX     $XXXX   
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX   CARD XXXX   $XXXX    
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX7 CARD XXXX   $XXXX  
- Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX 
-  Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ATM ID XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $XXXX  
- Expand XX/XX/XXXX NON-WF ATM WITHDRAWAL AUTHORIZED ONXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX   ATM ID XXXX CARD XXXX   $XXXX  
- ExpandXX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX CA XXXX   CARD XXXX   $XXXX  
- Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX FL XXXX CARD XXXX   $XXXX 
-  Expand XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX   XXXX FL XXXX  CARD XXXX   $XXXX  
-  Expand XX/XX/XXXX NON-WELLS FARGO ATM TRANSACTION FEE   $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 monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
i sold an item on XXXX and paypal put a hold on the payment i recieved for the transaction and i was told by paypal to ask the buyer to once again confirm the reciept and for me to upload the tracking information and i have done both and they are still refusing me access to my money. XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I signed up for a credit card with American Express to receive XXXX XXXX miles after spending {$4000.00} in 3 months. I called American Express several times asking for a status. They have told me that insurance payments dont count towards the {$4000.00}. I had a customer service rep investigate this on XX/XX/XXXX. She said that that was in error and on XX/XX/XXXX I would have received a bonus. Today ( XX/XX/XXXX ) I used the chat function and called and was told that the previous investigation was closed and I would have to wait XXXX days for a new investigation, followed by an additional XXXX weeks. This was after they told me I would not qualify, but then corrected themselves after being told to check my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint mortgage servicing is charging for late fees and other charges they made up stolen from me they keep sending les and charges they keep making up since they got this account 3 mounts ago I called costumer services and they dont know where the charges comes from they say they got this account not long ago and they dont know where it comes from but now they charging late fee for it now Im supposed to be in called loan modification they taken advantage of harass me and making my life a living XXXX this is a fraudulent company trying to XXXX people only because XXXX XXXX XXXX can do it now they have this corrupted company trying to do it I send my payments the fist day of the XXXX but they keep charging for a late fee in my first complaint I asked to tell me what XXXX I owed them but the dont say or send me any thing that explains where In shore or may missing XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I got the call this afternoon, Friday, XX/XX/2019. 
It was a Robo-Call identifying me that I qualified for a favored rate on my Chase Card because of my good credit. 
I have been out of work for 1 1/2 months, and I am at my limit on my present ( non-Chase ) credit card How can I have credit that good. 
The number was XXXX I would like to make Chase Card Services aware that someone is using their name to run a potential scam! The robocall asked me to press a certain number in order to speak to a representative, which I did NOT DO!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation
State: OH

Complaint narrative:
I have not talked with the company yet. My manager sent an email and I was told that they called my job today around XXXX. No other details given by her accept the name and number. We are not supposed to get personal calls and Ive had scams linked to old online payday loans contact my job. Feels about the same. Paid off majority of my sincere old debt ( I.e. credit cards, personal loans like XXXX XXXX ), so whomever this is can not contact my workplace by law anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV

Complaint narrative:
The company EVERGREEN PROFESSIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX is violating debt collection by Illegal Debt Collection Practices Under the FDCPA!!! 

They are harassing me and constantly filing debt collection to my credit reporting agencies messing up my credit score and credit on purpose!! They keep filing in different amounts they say that I owe so they can keep sending t!! They KNOW ITS ILLEGAL AND THEY ARE HARASSING ME AND CAUSING ME STRESS!!! 

They have reported the SAME COLLECTION XXXX TIMES TO MY CREDIT AGENCIES IN A JUST A FEW WEEKS THEY KNOW THAT IS ILLEGAL!!!!!!

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 2019-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have a XXXX loan with Discover. I have been faithful in making payments for several years without being late. They had a " glitch '' in their system recently that they were aware about, according to XXXX whom I spoke with today, that resulted in us being switched, without our consent, from paper statements to paperless. We relied upon the paper statements to stay on top of our payments. As a result of their error, we missed a monthly payment and we lost our XXXX XXXX interest rate deduction for timely payments. I contacted the company and spoke to the above person, who said that even though it was their mistake, there was nothing they could do to reinstate our interest rate deduction for timely payments. As a consequence of their glitch, I am paying a higher interest rate on my loan for the foreseeable future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute and complaint with TransUnion regarding the collection account on my credit report. They sent me a response stating that it was a frivolous dispute and that they believe that I received services and/or merchandise from the company. First off this is a fraudulent account that XXXX XXXX had already removed and then they sold it to a collection agency. This account is being reported by multiple collection agencies with different amounts. This is fraudulent within itself. They are required by the FCRA to dispute and/or block any and all items deemed as fraud as long as I have provided an Identity Theft Affidavit and/or Police Report and verified my identity. I have sent all of those documents and more. I have mailed out something certified to them as well because if this account isn't removed, I will sue and I have already retained an attorney.

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
They called my mother looking for me. When she told them they had the wrong number the Collector told them they were calling in regards to a debt owed. My mother is not a cosigner and I am over the age of 18 and was when the debt they are referring to was incurred making this a privacy violation of the Fair Debt Collection Practices Act which clearly states a debt collector can call your boss, your friends and your family looking for you but the debt collector cant tell them that theyre calling to collect debts. I was told by a supervisor that they would speak to the person my mother spoke to and educate them but we both know places like this sweep this kind of stuff under the rug and rarely expect people to actually take the time to file a 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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
On XX/XX/2014 I began renting from XXXX XXXX the paper work includes a page consisting of itemized prices for services upon move-out the letter, which is attached, is addressed to me ( although I did not sign ) has very different prices that proves that after I repeatedly asked for an itemized receipt of what my deposit may have gone torwards in order to understand where the extra unknown amounts may have derived XXXX   XXXX never contacted me in Reference to an account that I may owe, instead an oblivious receipt with inflated amounts were sent to a collections agency called NCC SERVICES and they are on each of my credit reports unfairly. Does the original lender not to have an allotted time to try to collect what they believe to be owned to them before turning an account over to collections? Also please notice the differences in the amounts on the original move out cleaning letter and the one created after I continue to ask for the details of my deposits since it clearly was not use to cover the cost of it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank on XX/XX/XXXX charged my account with a {$36.00} overdraft fee after accepting a payment for {$150.00}. My account didn't have enough funds but PNC went through the payment and afterwards charged the {$36.00} fee. 

It is not the first time PNC has done this. It should be a simple rule ; if there is no enough funds in the account, do not accept the payment. 

I called on Tuesday, XX/XX/XXXX to ask them to reverse the fee and to ask them why they didn't reject the payment. It is just common sense. The representative on the other line gave me an excuse, which I know it is nonsense. She said that she will escalate it and that they will call me back. I told her if they are to call me to cal after XXXX XXXX. Nobody has called. 

I want the overdraft fee reverse. Banks are charging way too many fees. PNC charges me as well a monthly {$15.00} maintenance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax locked my account on or about XX/XX/2019. For one week I was not able to access my credit report through the Equifax consumer plan subscription. I contacted Equifax and they advised that I needed to send information to recover my credit file. I faxed the information and waited for one week. I contacted Equifax and they would not confirm if they received the fax or not. So I faxed the information again. After calling them again they advised that I would receive something in the mail in about thirty days. I have yet to receive any information from Equifax via the mail. During the same time frame, I've requested on two occasions for a copy of my credit report to be mailed to me, I have yet to receive the reports. I now have access to my credit report through my Equifax subscription however the information is not accurate. They have added files that were previously removed and that do not belong to me and they have deleted about ninety-five percent of my accounts. I have been without my credit report for over thirty days. This is unacceptable! Please find attached a copy of a credit report prior to the Equifax destroying my file and a credit report after I sent the information to recover my file. This type of behavior has been consistent with Equifax over the last five or so years with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
XXXX is typical of the type of people these businesss hire sadly there has to be someone to fit these roles!!! This is a law firm who buys debt and then collects on it - its predatory, human-less and greedy!! Not sure what else they may do there but any one seeking legal advice stay away!! There are plenty of other attorneys out there that have no part in these practices ... they garnished my pay for a debt from 2008!!! Was told you paid it then stopped why???! What??? I dont remember obviously life happened! I have divorced and remarried since then seriously!!! I asked to settle the debt in full that day for a fair portion of the remaining balance -even though i had no recollection of this and I must have thought it was paid obviously so long ago who knows!!! I was denied the request!! I will also be going out to the XXXX XXXX XXXX and The Consumer Financial Protection Bureau etc ... Debt was for {$810.00} he garnished my pay {$200.00} - leaving {$610.00} remaining!! I was not served or received any notification of this supposed debt which is very very old!!! XXXX eluded to adding more money to be collected from this supposed court ordered garnishment! How is that even possible?!!! He works under an attorney supposedly but the garnishment came through as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XX/XX/2019 XXXX : Navy Federal Credit Union ( NFCU ) XXXX. Box XXXX XXXX, VA XXXX XXXX Subj : Reimbursement of Escrow, Real Estate Taxes On XXXX, my previous, secondary Insurance Carrier did not re-new my XXXX XXXX Insurance Policy ; because, it has a conflict with a Florida Stature : or, it believes that my primary, XXXX XXXX. coverage is not a true XXXX Insurance Policy, which it is, indeed. So, such Ins. Carrier sent NFCU a copy of its Cancellation Letter of my real estate property. Consequently -- if not, subsequently, on XXXX, NFCU placed a " Forced Insurance Policy '' from XXXX in the amount of {$1600.00}, on my property. It did so, too, presuming, or even assuming, so very erroneously, that I did not have Continuous Coverage on my property. When, in fact, about a month or so right before XXXX, I sought as well obtained Continuous Coverage with a brand new Ins. Carrier concerning my property ; which is so evidenced right by my submitted/uploaded, XXXX-page Insurance Declaration Page/s. 

It has been so grossly inappropriate for NFCU to have placed a " Forced Ins. Policy '' upon my property -- not, even, having the mere decency or good sense to inform me of such .... Had it done so, it would have seen/known that such was Wrong -- if not, so very unnecessary. 

Being such, I request -- or, so demand -- NOW, that my {$100.00}, for my real estate taxes -- or, PAST escrow, be so reimbursed via my NFCU Savings Account. Since, I satisfied ( or just paid off ) such real estate mortgage, on XXXX, or XXXX weeks ago. Plus, my having had super solid proof of Continuous Homeowner 's Ins. Coverage .... 

Good Day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
Sent money and a letter to pay off my principal balance and they did not apply the money as directed. They deducted my monthly payment out and applied the remaining balance of the amount I sent. This left us with a balance due. I have been trying to get this fixed since the end of XX/XX/XXXX when they applied the money as they felt like not as they were directed. Called lender to get payoff {$11000.00}. Sent {$11000.00}. If you look at the Transaction Activity on the statement due XX/XX/19 you will see what they did.

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