vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Husband was sued by Allied collection Services inc. in the judgment amount of {$1200.00} which was taken out of his bank account so the debt was paid in full. My Job Human resources contacted me to inform me my wages would be garnished. My husband has attempted to contact Allied several times to get the issue resolved because my company 's HR rep informed me my wages would be garnished unless they are notified that the debt was satisfied. Today XX/XX/2019 he attempted to call them again and kept getting transferred from person to person. The last gentlemen he spoke to was rude and kept saying that Nevada was a community property state and that's why my check was being garnished. My husband tried explaining to him that the debt was paid in full. The gentleman then stated '' No you still owe {$70.00} '' Even though the court judgment was for {$1200.00}. he then started to badger my husband about another debt he has no knowledge of for {$990.00} and said that he needed to come down and take care of the {$70.00} bill. He also asked for my husbands bank account information. Upset I got on the pone and tried explaining he then begin to badger me asking me about a {$990.00} bill and stating they would not remove the garnishment unless we paid the {$70.00}. He also asked me for my last 4 dgits of my social and my birthday. Getting no where with him I called the attorneys office who handled my case who informed me to call and speak to the manager XXXX of allied and she would be able to assist me on getting this taken care of. I called allied and asked to speak to XXXX I kept getting the run around saying she was busy and she would call me back if she had time. XXXX finally called back and again i was asked for my social info and birthday when I would not provide that information she said she couldn't help me and to call back when I was ready to provide her with my information. This is not my debt so why cant she just take the case number and my husbands information? I contacted my HR who said they received a call stating most of the debt was satisfied except {$70.00} would be garnished from my check. I want to know why and if it is legal for them to do s since the full amount of the debt has been paid. I even went to the justice center website looked up the case and it also stated the balance due as of XX/XX/19 was XXXX {$0.00}

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have called and disputed these things on my credit report and I have let them know this information is incorrect. I have written letters and spoken with multiple representatives to get this information corrected. The following accounts are listedXX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I called Prosper to understand the interested they charge and if it is possible to reduce the interested and the monthly payments. 
The company offer me more loan. 
I am a Caregiver and I make $ XXXX/ hour. I am struggling to pay all the debts. Can you help me, please? I am divorced and XXXX years old of age. Please, help me.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
someone opened a fraudulent account with XXXX in my name, XXXX cleared me in XX/XX/2017 and contacted the credit agencies, Equifax has yet to clear it, even after being contacted by XXXX twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: FL

Complaint narrative:
World Finance Corporation This company has stated that I last made a payment in XXXX of XXXX which is incorrect the last payment they received was in XX/XX/XXXX. They are reporting fasley to both XXXX and XXXX. I need a debt validation showing a payment was made they are also reporting to all bureaus each month. Which is hurting my credit. I have sent this company several letters and have asked them to stop reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
My wife has linked a debit card from my checking account to her PayPal account. She recently filed a dispute when someone had sent back an item merely because she did not want it anymore. Approximately 371 dollars a and change was charged to my account even after my wife had the dispute resolved in her favor. It seems PayPal reversed it giving no reason but my issue is that the account charged is mine and mine only. The PayPal account is my wife 's, I have nothing to do with that. The amount was taken out today, XX/XX/2019 when the matter had been decide in my wife 's favor about one week ago. My concern is PayPal is using deceptive practices and charging a debit card which is under my name, account and all, and my name only, on an account that is not mine buy my wife 's and hers only after refunding the money a week prior. I've contacted my bank but they are still attempting to see if they can resolve the issue being that the PayPal account is not mine but the payment method is, which I did not authorize. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this as a Qualified Written Request for a Short-Pay Statement for loan number XXXX. Thank you, XXXX XXXX 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 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
In XX/XX/2019 I asked a Caliber Home Loans customer service representative about removing my PMI, from a conventional home loan that I have through them. She informed me that one of the options was to get the house reappraised using their appraiser, and if the LTV ratio was below 80 % it would be removed. After paying Caliber for the appraisal, they sent me a letter telling me that I was at a 76 % LTV ratio, but then told me that it needed to below 75 %, so I now needed to pay more money ... Upon calling in and speaking to a representative I was just told that the LTV ratio now needed to be below 65 %. I feel like they are just taking advantage of me for not refinancing, which they try and convince me to do on an almost weekly basis at this point. Oh and another thing, we've never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
My company signed up for a work poster from an online business, personnel concepts, in which they had a web deal for {$29.00}. After they collected the money, they called us and said that they had a gold service membership that we needed to join. after repeatedly telling them no, we asked them to send an invoice over as to reasoning why we needed to pay an additional {$270.00}. They are now insisting that we pay that amount, even though we never agreed, or wanted their service. Now they have sent me to collections after I refused to pay them. They are obviously an extortive, scamlike business, and the better business bureau has over 420 complaints on 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 explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have made multiple attempts to have theses items removed, I have made several calls and written letters and this is still goes unresolved. I have this false information listed on my report the following address XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These following accounts XXXX XXXX, XXXX XXXX XXXX, & XXXX 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 non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage Company currently owes me {$9100.00} in credits due to their mistakes. They have legally accepted this debt but is now stalling to make payments. I offered to deduct from my monthly mortgage and they in return ( XXXX id # XXXX & XXXX id # XXXX XXXX threatened with taking my home and adversely affecting my credit. As I have stated to FMC & CFPB, this relationship is beyond salvageable due to their multiple errors. Its threats like this that continue to take this relationship even lower despite me trying to work with them to find an mutually amicable solution. They are now angry with me as attributed to Ms XXXX who yelled at me then hung up. 

My ask is not so much for them to correct but to pay the due amount. My XXXX ask is how CFPB will hold them accountable? This is imperative. 

Thank you XXXX 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 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient told me that I did not qualify for the loan forgiveness program when actually I did and they directed me to their other programs to lock me in making what I owe now weigh more than what the original loan amount was

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Collection Services, Inc.
State: TX

Complaint narrative:
as of XX/XX/2018 {$1900.00} was paid to XXXX XXXX XXXX. THE COLLECTION COMPANY WAS TAKING OUT {$130.00} A MONTH AND STOPPED. THERE WAS NO COMMUNICATION. RECEIVED A CREDIT REPORT AND THE REPORTED THAT {$2300.00} WAS OWED ON MY CREDIT REPORT. THE BALANCE IS {$1300.00}. I CALLED THE COLLECTION AGENCY AND THEY STATED THEY DID NOT KNOW HOW THAT ACCOUNT OR AMOUNT GOT ON MY CREDIT. I REQUESTED THAT THEY REMOVE THE INCORRECT REPORTING AND THEY STATED ONLY IF I PAID THE BALANCE IN FULL. I ADVISED THAT THE AMOUNT IS INCORRECT AND THEY STILL REFUSE TO UPDATE THE INFORMATION CORRECTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered my equifax credit report was not frozen and hasn't been frozen for quite sometime. As a rep. from equifax informed me this evening once a freeze is place on any one of the 3 credit reporting bureaus and message is shared amongst the agencies and all 3 reports are or should be frozen. XXXX   report was frozen, XXXX report was frozen and as mentioned Equifax was not frozen and hasn't been frozen for more than a month and no reason was furnished by Equifax as to why the Equifax report was not frozen as it should've been. 
I believe this is misleading situation by Equifax whereby, I am under the impression my 3 credit reports are frozen when in fact one of them is not. 
I am in the process of correcting their oversight or lacking attention to detail and from my understanding they have informed me they have no way of knowing or investigating how this happened. 
I bring this to your attention because I find this unacceptable managing of important credit details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
sent the ftc violaton they are taking more than 30-45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal e-mail : XXXX On XX/XX/XXXX I sold a XXXX XXXX   XXXX through XXXX and was paid through PayPal for the total amount of {$1900.00}. I shipped very quickly and the buyer received the item on XX/XX/XXXX. He fraudulently charged with his financial institution. However, on XX/XX/XXXX PayPal notified me that I would keep the money as the buyer had charged back fraudulently after receiving the item and I was covered under seller protection. However, they also permanently limited my account on XX/XX/XXXX saying I could no longer do business with them while holding the $ XXXXin my account for 180 days. In some cases, I can understand why PayPal may need to hold the money for 180 days in the case of Chargebacks, but a final decision has already been made in regards to this case so there is no possibility the {$1900.00} will go anywhere. I contacted customer service many times and the only reason I got for the permanent limitation on my account was for security reasons. This is incorrect as all the money in the account has been finalized. I do not believe I should be punished for a buyer who commits fraud. Also, I can not possibly have my money held for 180 days for no good reason as I have bills that need to be payed! PayPal has no right to hold my money. This is also a significant amount and happened even after I submitted personal identification, proof of shipment, and receipt of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and am having a very difficult time with CMG Mortgage / XXXX. Since XX/XX/2019 I have been applying for a modification. I was never able to communicate to the same person which always caused confusion. CMG always seemed to lose my paperwork, which I constantly had to re-email the same documents. For the past 2 weeks I have been emailing the final documents needed for the loan modification review. I have used all the emails CMG has told me to send it to. Now that CMG has ALL the required documents they have turned around and told me it is too close to the sale date to review. Basically CMG has been lying to me the whole time and never wanted to review me for a modification. This is bank fraud.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX pulled my credit report without my consent on XX/XX/2019. I specifically told them to not do a hard pull on my credit when I applied because I was just trying to see how much I would qualify for based on my income and I knew I was about to apply for a new mortgage. I again reminded them via email to NOT do a hard pull, so 2 requests. These requests were ignored, and the loan officer never even mentioned that she had pulled my report. After waiting an extended amount of time, ( longer than it would take to even get a mortgage ), for any communications from this loan officer as to how much I would qualify for ( despite having sent 2 years taxes ), I emailed her and told her I was not interested in a loan from that company. 

While in the process of checking on my credit prior to applying for the mortgage I saw the credit pull from XXXX XXXX XXXX XXXX. I emailed them and requested redaction of this credit pull since it was done without my consent. I received no response. I emailed a second time to say I would report them to CFPB and again, no response. 

I am not a difficult person to deal with, and I myself am a Colorado licensed XXXX XXXX XXXX, so I know how this works. It baffles me that this bank was so hard to do business with on every level - unresponsive in both my attempt to get a car loan and disregard for my threat to report them. They don't seem to take any aspect of their business seriously.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
There is this account on my XXXX  and XXXX  credit files that I do not recognize, the account is showing with a status charged off but the problem is that I never had an account with this company called JPMCB AUTO FINANCE, the account number that it is being reported is XXXX and there is no phone number being reported and it is also showing that the account was opened on XX/XX/2013. I have disputed this account with XXXX  and XXXX  and for some reason they tell me that the account was verified as accurate. XXXX  and XXXX  are reporting this account as charged off, I know this cant be right because like I said I never had an account with this company. I asked them for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. I want JPMCB AUTO FINANCE to provide me with the original contract that has my signature on it or for the account to be deleted from all of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BRite Financial Services, Inc.
State: OH

Complaint narrative:
This debt was paid. Lender is fraudulently attempting to charge an additional XXXX when lease was paid 100 %. Lender keeps reporting monthly with XXXX when lease debt was paid and car return in same condition it was leased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
to the best of my knowledge these are ftc violations

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a prepaid card issued by Regions Bank. On Saturday XX/XX/2019 at XXXX I tried to deposit XXXX on to the card at their atm at XXXX XXXX XXXX, il. 
It took the money and never closed the cover, therefore in order to get my card back I had to cancel the transaction. 
When I cancelled the transaction the cover shut did not give a receipt stating transaction was cancelled.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield started contacting me about a final statement from XXXX XXXX on the same date that the final statement was generated, including language that indicated that they would damage my credit if I didn't pay immediately. I paid XXXX XXXX directly, as I had no idea as to whether Hunter Warfield was a scammer or not. 

I told Hunter Warfield that they would need to verify that they were allowed collect on this debt. I never received verification. Unfortunately, I don't have it recorded, but when I was asking for this proof over the phone, the representative said something to the effect of " XXXX, are you XXXX? We're a collection agency, we collect on debts for XXXX XXXX. '' Requesting verification of a debt is not something that one should be condemned or talked down to for. 

I sent a written demand for verification and dispute to Hunter Warfield via certified letter and received delivery receipt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation