vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of 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 2017-06-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I 've had my Capital One Master Card for over 10 years, I got it during college to build my credit. My credit has substantially improved and for the past 5 years or so I called capital one and tried to cancel and they would waive the {$49.00} membership fee to keep me as a customer. Last year I called to try to have to fee removed for good, and the rep stated that could not be done. He did once again offer to waive it because I 've been a long time customer. He also stated if I call every year around this time I could get it waived, I agreed to keep the card because of this. I also told him to notate my account that he stated that. Today I called capital one and was told they could not remove the fee because their policy recently changed. I escalated to the supervisor and told him the rep last year said I could get it waived this year which is why I chose to keep the card. He reinforced the new policy and stated that if everyone got fees waived capital one would not make money. I told him I was misled into keeping this card, his answer remained unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX is a credit processing center who is reporting erroneously. When an account is past due they take 60 days to send the information to the credit bureaus. I called and spoke to a XXXX and she does n't understand that it is incorrect to say that since they do n't report an account as past due for 60 days that this is considered the 1st delinquency date. She said I was 60 days past due as of XX/XX/XXXX. If I was 60 days past due as of XX/XX/XXXX then the first date of delinquency would be XX/XX/XXXX. This should be reported to Equifax who refuses to remove this outdated account from my credit report. XXXX XXXX sent me a ledger which I sent to Equifax however Equifax refuses to use that information and XXXX XXXX XXXX continues to say their information is correct when Equifax verifies information with them when in fact it is not correct. AN ACCOUNT MUST BE DELETED 7 YEARS FROM THE DATE OF THE 1ST DATE OF DELINQUENCY NOT WHEN IT WAS REPORTED BY A CREDITOR. AGAIN IF AN ACCOUNT IS 60 DAYS PAST DUE AS OF XX/XX/XXXX THEN THE FIRST TIME IT WAS PAST DUE WAS XX/XX/XXXX. I WANT THIS INFORMATION CORRECTED AND IF IT IS N'T I WANT XXXX XXXX FINED AND TURNED OVER TO THE THE FTC FOR WILLFUL NEGLIGENCE. A proper resolution would be the following : To fine XXXX XXXX XXXX for willful negligence to correct erroneous reporting according to the Federal Law. And for violating of Federal Law regarding their negligence reporting method. Turn them over to the FTC for willful negligence for not correcting erroneous information when it has been brought to their attention. They should be fined {$1000.00} or more for the infraction and I should be compensated for their willful negligence. XXXX XXXX XXXX has over 65,736 complaints by consumers because they their accounting is erroneous and they do n't keep accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my XXXX XXXX, Equifax and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have not received a statement by mail or email notifications from HH GREG store credit card since the company went out of business. When I contacted customer service they refused to look into the issue and when I asked to speak to a supervisor I was hung up on twice. One representative advised I would have to login to see statements however the website does not allow this per the attached screenshot

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 2017-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
At the beginning of the year, I signed up for an introductory offer with PayPal which was a 6 months of free financing. According to the offer, I would not incur any finance charges until after XX/XX/XXXX which is when the offer would end. I made some purchases and mailed in my payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PayPal stating that they had not received payment so I explained to them that I had mailed the check. I called my bank, XXXX XXXX to verify if they had received the check and they had not yet received it. XXXX XXXX did ; however, offer to call PayPal on my behalf if needed to verify that the money was in my account and could be transferred immediately. I have an excellent credit score of XXXX and pay my bills on time. I then contacted PayPal and explained to them what happened ; however, they did not seem to care. I paid the entire bill in the amount of {$1900.00} over the phone with the customer service representative on XX/XX/XXXX. PayPal then informed me that they would not be able to waive the {$230.00} interest fee and that I would have to send a letter to PayPayl Correspondence Team to see if they would be willing to waive the fee. I mailed a letter to them on XX/XX/XXXX. I received an email from PayPal that my account was being reviewed and that they would get back to me. PayPay refunded my account for the late fee of {$25.00} but would not refund the interest of {$230.00}. On XX/XX/XXXX, I contacted PayPal and spoke with a Supervisor named  XXXX, not sure if her name is spelled correctly ; however, the conversation was recorded so you could ask for a copy of the recording. I told XXXX what happened and asked her to waive the interest fee ; however, she said that she would not be able to do that for me. I told her if PayPal would have contacted me on the date it was due and informed me that they had not received payment, I could have taken care of it immediately. I ended up paying the interest fee today in the amount of {$230.00} so PayPal would not be able to continue to charge me interest. I am hopeful that you could look into the issue and I am requesting a refund for the interest paid in the amount of {$230.00}. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo led me to believe that I was approved for a loan and good to close on XXXX XXXX 2017. I requested numerous times for over 4-6 weeks that they look at my application and provide me a written approval. None was provided. I was given a verbal every time and " pre-approval ''. I gave them my closing date, they were aware of it. And on XX/XX/XXXX at XXXX, 1 business day before my closing date for my future home, they denied me the loan. I had provided them EVERY piece of information in a timely manner that they had requested as part of the application process. I was not given a reason for denial. I was simply denied. This was tremendously unfair and deceptive to lead me on till ONE day before I am due to close and tell me that I should explore other options. I have to move out of my current house on the XX/XX/XXXX. That leaves me 3 days to figure out how I am supposed to get a mortgage for the new home. This was unprofessional. They are not open in communications. The lender did not communicate directly with me ever! I would like to understand what the basis of denial was. I would like the lender to give me a call or meet face to face and show me the customer respect that I deserve, not hide behind a text message or an email.

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 2017-06-22 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/2015 Balance ( XXXX ) as of XX/XX/2015 still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/2015 {$1500.00} still in collections area Experian, XXXX , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full, Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/2015 {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

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 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, TransUnion , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full,  Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX   {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!

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 2017-06-22 00:00:00
Product: Credit card or prepaid card — Store credit 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal has not been impartial when facilitating disputes. In my case, a merchant ( XXXX ) mailed merchandise that was too small. The product came from their warehouse in CA. However, Paypal told me they sent an email on XXXX/XXXX/17, asking me to return the items to XXXX, I never received that email. I did receive an email asking for a confirmation of mailing so I quickly returned the items to the sending address, in XXXX XXXX, CA. However, despite the XXXX indicating the package has been delivered, they have refused to return my monies of {$120.00} until the merchant affirm. This is not appropriate given the merchant is using a XXXX address to make it difficult to return items not usable. Instead, Paypal is working on behalf f merchants instead of the average US consumer in this matter. I ask for assistance in regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 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: ND

Complaint narrative:
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have a unauthorized and fraudulent XXXX credit account listed on my Trans Union, XXXX and XXXX credit report that do n't belong to me. The following credit card account is fraudulent : 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 2017-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Check Resolution Inc.
State: TN

Complaint narrative:
I was contacted by NCR XXXX XXXX CEO from XXXX GA about a payday loan debt I took out about 2 years ago from XXXX XXXX in XXXX TN for {$25000.00}. 
XXXX XXXX called me on my job and threatened me that if I did not sign a promissory note and pay them {$100.00} within i week with a credit card or debit card that he would be garnishing my wages for {$1500.00}. The following day he called my fiancee on her mothers cell phone and discussed my debt with her. He told her that I had to pay {$100.00} in 2 days then pay {$350.00}. within a very short time and if I did not do a promissory note the following day and pay the day after that that I would be served with papers that had already been approved through the court and I would have to pay {$2000.00}. My fiancee and I have just had our XXXX XXXX and this payment would cause a great deal of undue hardship for my family. I researched my consumer rights and the following day I received a message from XXXX XXXX on my in-laws cell phone again threatening me that if he does n't hear from me by the end of the day I will be served garnishment papers at my job the the following day. He called back and my fiancee tried to ask him for information concerning his company, the address and the license # and documentation about the loan he rudely interrupted her saying documentation has been sent and an email was sent which it never was and that he would be sending someone to my place of business with papers in the XXXX He then proceeded to call my boss told him I had bad checks and was going to be arrested. My bosses company depends on me to be there every day and he said he would pay this debt to keep me out of jail. I have to pay this back to my boss with my pay check and it will greatly harm my ability to pay my rent and get food for my family.I am extremely angry and feel this man has put lies and my financial business out to people who have no business knowing. I plan on legal actions concerning this company and this man.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX XXXX, 2017 on or about XXXX XXXX my husband was contacted from teleohone number XXXX on his cell phone about a credit card I have in my name alone regarding payment-they proceeded to ask if he could get me on the phone about a financial matter regarding payment. He handed the phone to me and I told them not to call that number again. I am working with XXXX XXXX XXXX to resolve the debt. They did not have his cell number supplied by me and they should not be calling that number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I paid in full a unlawful detainer XXXX XXXX XXXX XXXX vs XXXX XXXX case number XXXX in the amount of {$370000.00} via cashier check to XXXX XXXX XXXX XXXX to the Law Offices of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. account # XXXX-Account # XXXX XXXX XXXX Account representative stating that I owe an outstanding balance of {$7400.00}. this incorrect. I sent IQ Data International Inc. XXXX XXXX a response letter on XXXX XXXX, 2017 via United State Postal Service stating that I do not owe {$740000.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation