vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: OR

Complaint narrative:
XX/XX/2019 " XXXX, '' of world finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX, called for pmt on my loan. I returned her call. She refused to accept less than full payment and said it was company policy to refuse partial payment. I heard this in XX/XX/2019 from another employee. As I could not make full payment then or now and they were refusing partial payment, I went to the Corp website to verify their claims. I was able to submit a partial payment. Then I hear that XXXX called a pending employee twice. Once to garnish my wages ( I haven't started yet ) and again, to verify employment. The debt : {$290.00}, maybe 6/7 weeks ( WEEKS ) in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My complaint is against XXXX XXXX ( Original Creditor Synchrony bank ) collection agency, Account # XXXX Balance XXXX, date open XX/XX/2019. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IA

Complaint narrative:
I asked Ocwen for a modification to bring my mortgage current after dealing with health issue. I made 3 trial payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as per the agreement. In XX/XX/XXXX they informed me that they were finalizing the modification document. Again in mid-XX/XX/XXXX i was told the same thing and I told them I needed the agreement to read and sign before I could make my new payments. I finally received the agreement on XX/XX/XXXX. The agreement said my new balance was {$72000.00} and a balloon payment of {$56000.00}. By then they said they would not accept my payments. They then informed me that PHH Mortgage services were the new servicer beginning XX/XX/XXXX. PHH informed Iowa XXXX  XXXX that I was not eligible to do anything but short sale or foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sadly the pathetic nature of two organizations Experian who has now locked me out, continues to report balances incorrectly and has lowered my score even when I have paid down significant data! It seems this is a deliberate attempt by them to destroy my ability to gain financing. As for the CFPB another facade! You can not fix a simple auto fill. You evidently have staff who do NOT comprehend XXXX and you basically receive the complaint and immediately pass it along without reading it - then again maybe you just can't understand? What a pathetic nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a check that was an employment fraud, the company from where the check came from had their bank and detective alert all banks nationwide corporate to small banks to turn the check away and not deposit the money and call authorities. Wells Fargo is refusing to dispute it or refund me the money, the branch I went to is also refusing knowing there was an alert and not to deposit the check and call authorities. I am at negative XXXX balance which they say I have to pay, I do not agree when they should have worked more diligently and caught it was a scam before I was turned into the victim. they should have seen the alert or read it before even depositing the check which they never should have done. I was told by the detective and the company name on the check and their bank, Wells Fargo received that alert and they should dispute it and refund me immediately, which Wells Fargo again is refusing to do so.

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 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I don't know if this the right place to submit this, but I had already tried to reach a solution with the companies involved, but they had not been any help. 
I had sent someone {$45.00} over PayPal for the shipping of an otherwise free item on XX/XX/XXXX. This item never arrived, but the seller had sent something that was not the item promised, ( or made up a fake tracking ID, I'm not sure ) the item is not in any post office in my local area, nor is it in my mailbox, nor was it ever on my front door. 
I had submitted a claim to PayPal about this, but because the seller had a tracking ID, my claim was denied despite it being resolved. 
Later, I had submitted a complaint to XXXX, the app I had gotten in contact with the seller through, and they had essentially responded with " Sorry that happened, we can't do anything. '' Any way I had tried to get my money back from this scam has come up empty. This is my last hope and would enjoy a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal is allowing a user whom they have stated they where involved in unusual activities to continue to use their services. They are allowing someone who is engaging in practices that allows him to take peoples items, without paying, and then sell other peoples items for their own personal gain. PayPal stayed that the matter would be addressed, but as of this time, it has not been. The user through PayPal now is still active, still being allowed to use the services, and still allowing the user a platform to steal peoples money. Complaints about the user has been made to the AG office in NH, and law enforcement. 

User in question XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX United States PayPal email address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I recently found out that the collection agency LVNV FUNDING LLC reported to my credit report without notifying me that I even had a debt and or that they were handling this alleged debt. 
When I found out this information I sent LVNV FUNDING, LLC a letter to the address listed on my credit report with the intentions of exercising my right to dispute/validate this debt. 
When I sent the letter to the exact address listed on the credit report directly from XXXX and XXXX the certified mail was ( RETURN TO SENDER UNABLE TO FORWARD ) They are inaccurately and incompletely furnishing information regarding the debt and in regards to me to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which they are responsible. 
They are violating my rights and causing me severe damage. We are in the process of getting a home loan and this is going to ruin it. 
I have the right to seek remedy for the damages from the courts, but at this point I just want LVNV FUNDING LLC to fix their mistake in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
company send a Texas judicial branch certification commission certified process server to my home with threats that I will be sued for all my belonging such as personal property, vehicles and that the judge will rule against me for been such a big amount of money so I can pay-off the amount in question.

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

Complaint narrative:
I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. 
I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Equifax Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. on how these accounts were verified. 

1. XXXX XXXX - This is a FRAUDULENT Account! I have never applied for credit with this company and I did not/do not own an XXXX XXXX card. I am not liable for this account. Please Delete this account immediately. 
2. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XX/XX/XXXX - I have never paid this account late. Please remove the late payments. 
3. XXXX XXXX shows 2 late payments on XX/XX/XXXX and XXXX XXXX I have never paid this account late. Please remove the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MO

Complaint narrative:
I have received multiple robocalls on multiple days from this number ( XXXX ) XXXX. I have listed the dates and times below. The number has only left 2 nearly-identical voicemails. The voicemails say : This is Honda Financial services. Please return our call today at XXXX before __XXXX local time. You can also view and manage your account at Hondafinancialservices.com. Thank you. 
Dates/times calls were received : XX/XX/2019 at XXXX CST ( voicemail left XXXX XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST XX/XX/2019 at XXXX CST ( voicemail left ) I called Honda Financial Services at the phone number listed on my statement ( # XXXX ) on XX/XX/2019 at XXXX CST. The lady I spoke with ensured me my account was not late nor missing a payment. She stated she was unsure of why I would be receiving these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I was effected by the the eqaifax security breach and enrolled in there free identity theft protection services id premier which is supposed to reemburse you for the cost to restore your identity up to 1 million dollars I bought my house during the beach and moved and XXXX the insurance company with the id premier service wont let me file my claim with out the original letter from eqaifax informing me that I was effected by the breach the letter was sent to my old address Im assuming because I never received it Equifax says they cant send me another letter for what ever reason that I can got to there web site and type in my info and that will tell me if I was effected but when u do that and hit submit it opens a new window with a brief message saying according to our records you where effected by the breach but XXXX want except that because it doesnt have my name on it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We are experiencing medical hardship due to a medical XXXX. When we became 2 months behind on our payment we notified the loan servicer, Caliber Home Loans of our efforts to resolve our balance and keep our home and provided proof of the medical hardship. We also requested payment options but were denied. Therefore we resumed making our monthly payments. However, Caliber kept reversing our payments and claiming we incurred NSF fees because we didnt have enough funds in the bank ; which wasnt true at all. We checked numerous times with our financial institution and ensured all payment information were accurate. We requested numerous times over the phone and in writing, that Caliber investigate the back to back payment reversal errors and remove the fees associated with them. They refused to remove any fees or investigate the errors since we first discovered them in XX/XX/XXXX. There are approximately 4 or 5 payment reversals on our account. Caliber has refused to respond to our numerous written requests regarding this. Yet, in XX/XX/XXXX, Caliber flagged our account as foreclosure status and blocked our ability to submit our regular full monthly mortgage payment amounts. In XX/XX/XXXX, when we had saved up more the past due balance, we requested a formal reinstatement payment amount and discovered that Caliber Included all of the NSF fees, along with late fees and attorneys fees into the balance. We then couldnt afford to reinstate as we expected. We asked for payment plans and were refused payment options. Weve submitted numerous loss mitigation applications, but Caliber denied them and stated we needed to wait until our account has been with them for 12 months from our first payment date. As soon as we reached the 12 month period, we submitted a complete loss mitigation application to Caliber. They refuse to confirm that they have received a complete loss mitigation packet as they have done before, and refuse to offer us loan modification option. Its been two months and weve demanded a response regarding our eligibility for loan modification and the results of the payment reversal, still they refuse to respond to our requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: FL

Complaint narrative:
Balance : {$1600.00} On XX/XX/2019 I notified Enhanced Recovery in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Enhanced Recovery refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Enhanced Recovery under the Dodd-Frank Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I request that Enhanced Recovery Company {$240.00}, {$530.00} formally substantiate account data Enhanced Recovery Company conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified account. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Enhanced Recovery Company desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. Thanks sincerely for your assisting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HomeTown Lenders, LLC
State: CA

Complaint narrative:
We were pre-approved for a home loan with Hometown Lenders. After locating a home, providing an ernest payment, paying for the inspection, and providing all of the required documentation for a guaranteed USDA home loan, we still had not been cleared for closing after 45 days. After we passed this amount of time, and only after complaints by us and both real estate agents, we were told that ( among the other excuses for the delays ), our USDA guaranteed loan had been suspended several times. We were never advised this from the loan company. Our real estate agent was the one who informed us. We were told that we had, finally, completed all of the documentation needed to be submitted to the USDA, well over 45 days, but the turn around time for the USDA office was delayed, adding a significant amount of time to our closing. The loan company then offered to finance through a FHA based loan, with the addendum and contracts completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with an email that stated we could close as early as XX/XX/XXXX. We completed all of the new documentation, as requested, and heard absolutely nothing from the loan company until only after expressing our hesitation about the continued delays and our consideration of cancelling everything. We were only told that they had received our documents, up to that point, but they now needed the seller 's addendum to proceed. We still have not received a closing date or any assurances that continuing with the process will actually result in a closing. We are highly concerned with the fact that we were never notified of the suspension of the loan status. The communication has been very poor and, despite concerns from all parties involved, we still do not have a resolution to the issue. Additionally, the company posted, on XXXX, about the quick closing for another client. This has, honestly, made us feel that this is all occurring because of the nature of the loans and the inability of us to qualify for a conventional type of loan. All contracts and emails available for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr. COOPER continues violating government requirements by not sending monthly mortgage statements, as they assured and are required to do. Since they have purchased of my mortgage it has been necessary for me to file three ( 3 ) complaints previously ( listed below ). Now, I have only received one ( 1 ) mortgage statement since the initial payment due date of XX/XX/2019. 

XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 ) XXXX ( XX/XX/19 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: FL

Complaint narrative:
Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Afni refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Afni under the Dodd-Frank Act.

Company response to consumer: Closed with explanation