vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CASHCALL, INC.
State: NJ

Complaint narrative:
I am getting harassed multiple times a day by calls coming from ( XXXX ) XXXX and XXXX. They threaten that they have complaints against me, orders against me and will be serving me. They have no intention of serving me so that alone is a violation of the FDCPA. Let 's continue. They threaten if I do not respond an order will be placed against my parents. They threaten they will contact my HR department to aid in serving me. 

I called back they have my SSN and other info and say it 's for a payday loan from XXXX. 
1 ) Pay day loans are not legal in NJ 2 )XX/XX/XXXX is past the statute of limitations on debt in NJ 6 years. This alone proves they are in violation of the FDCPA by threatening to serve me with no intention of doing so as they ca n't for a debt past the statute of limitations. 
3 ) I had a XXXX bankruptcy discharged XXXX so even if the debt was valid which it 's not it is illegal for them to attempt to collect as it was discharged. 

They are misrepresenting and violating the FDCPA and I would like them to stop.

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
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I consolidated all my sons private college loans with Wells Fargo in the amount of {$86000.00}. My son was the primary borrower and I the co signer on all the private loans consolidated. In order for Wells Fargo to approve the consolidation they told me my son could not be on the loan because of his lack of credit history. The loan for all of my sons student loan debt would only be approved if his debt was consolidated in an educational loan in my name only. Now several years later, over the course of approximately 2 years, I have tried to refinance this educational loan. Every time I am turned down because I am the sole borrower of the educational loan. In order to refinance my son must be the owner of the loan in some way because he was the student. I do not have or remember the names of the institutions that I applied to and was denied for that specific reason. Eventually I stopped applying because each application was a credit inquiry. So instead of applying officially I started to call lending institutions and explain the situation, in each event I was told my son needed to be the borrower of the loan in order to refinance. 
As far as i can see there is no way for me to refinance this loan out of Wells Fargo and I am locked into it until the loan is paid. 
I have contacted Wells Fargo in XXXX and again just recently in XX/XX/XXXX to try to refinance at a lower acceptable rate and both times what I was offered was not acceptable. The first time after paying this loan for 5 years on time I was told I needed a cosigner with an interest rate that was out of the question. The second time I actually asked to have my son as the cosigner ( figuring if I could get him on the loan some how that maybe I would be able to refinance with another institution at a later date ) But the interest rate they offered again was not acceptable. ( My credit score is excellent ). 
I also feel I have should have the right to refinance with another lending institution other than Wells Fargo but the way this loan has been structured by them I do not have that option.

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 2017-08-25 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: NM

Complaint narrative:
Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victom of identity theft. There have been numerous erroneous marks against my credit report for some time now. I sent formal dispute letters to Equifax on XX/XX/XXXX. I attached a police report, FTC affidavit and my ID 's. I disputed this item as NOT MINE. Legally they have 45 days to investigate with the lender and provide me notorized proof that the instrument is mine. It has been over 60 days and no proof has been provided. I have followed up making phone calls and each time being hung up on or asked a myriad of personal " security '' questions and told I am not answering them correctly when I know that I am.I called back again and they made me answer 9 security questions unbelievable, finally I got through to someone who said they filed my dispute on XX/XX/XXXX and that I should call back to a certain number XX/XX/XXXX and that it would not be on my credit report if they found no proof it was mine. I called back, the number didnt work! I found a different Equifax number. got a supervisor on the line. Told her all of this, she said it was still on there and under investigation, it would be 30 more days and to call back. That would put me at a 90 day dispute period ... I filed an online identity theft FTC report about this acct on XX/XX/XXXX, also an online dispute again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit 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 2017-08-25 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:
According to the Fair Credit Reporting Act ( FCRA ), past due accounts can only remain on your credit report for seven years from the first date of delinquency. My account with XXXX XXXX XXXX become delinquent on XX/XX/2010. The first date of delinquency is in excess of seven years ( 7 ) and should be removed from my credit report. In addition, a collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed. I have filed disputes with the respective credit repositories -- but both accounts continue to be listed as negative / outstanding items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
A collection agency, Calvary Portfolio Service, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX needs my bank to send it updated info so I can use the app properly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a threatening call from XXXX XXXX of XXXX XXXX XXXX ( supposedly an arbitrator for Cashcall ) at XXXX. Threatening to file paperwork with the courts for a warrant and lien on my sister 's home ( by next Tuesday ), allegedly because her name was on the application as a co-applicant for a payday loan, but did n't have the information for the loan. She offered settlement arrangements on a {$5000.00} debt to avoid court but would not accept that I wanted it done in writing and that I would not be putting anything on a credit card. Hung up with an " We 'll see you in court ''. Then called my sister and told her to make a deal to avoid losing her home, even telling her that she should file a police report against me.

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
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JMD,LLC
State: CA

Complaint narrative:
I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a credit freeze on my credit report. On XXXX XXXX I received my experian credit report and experian has aloud companies like, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and others to get a copy of my credit report. Even on my experian report it has in bold letters ( FILE FROZEN DUE TO STATE LEGISLATION ). experian has been allowing this for years. I put a freeze on my credit report back in XX/XX/XXXX. I have never applied to these companies. Now a day 's I know every one is making money on selling are information but we are expect to be accountable for are actions and are own credit reports these companies should be accountable for their 's.

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 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
A collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: GA

Complaint narrative:
I have been requesting verification of the following accounts that Equifax continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification onXX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to Equifax with same old script, " your account has been verified via XXXX ''. No record of any inquiry from Equifax or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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:
Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 2017-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : XXXX I never authorized XXXX  XXXX nor XXXX to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.

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 2017-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX, 2017 : Our system detected unusual activity associated with your account ( Your case ID for this reason is XXXX. ) I have {$420.00} USD in my account and was trying to withdraw it to my bank and my account was restricted for no reason. I get a message stated unusual activity. This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Due to a computer glitch, in XXXX-XXXX un 2016, that was Transunion problem, not mine caused my inquiries to be deleted. Transunion later added them back to my report without giving me legally required written notice within 5 days before readding them. I tried to reach out in good faith and kindly asked them to delete what was illegally re-added. These inquiries added a hardship and my rights were violated. I am asking for your help to stop Transunion from victimizing me. As a resolution I ask that all my Transunion inquiries be deleted permanently from my report as a violation took place and they were illegally added.

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I believe I am due more for what I have been through. I have tons of papers. It shows on my older credit reports that they now have removed. I lost everything! It started with XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX, who sold to XXXX XXXX, who sold to JPMorgan. There may be more in there somewhere. 
XXXX was the one who started the trouble. They paid my homeowners insurance out of my escrow. Then sent me a letter saying I did n't have homowners insurance and so they were insuring it for a great sum, and that it put me 3 months behind on my mortgage. Then the phone calls, at my work, my home every 2 minutes. 
I had the paper showing that 'they ' paid my insurance out of my escrow. I faxed it to them. I called to be sure they received the fax. Nope. They gave me a new fax number. I called to be sure 'they ' received the fax. Nope. And on it goes. Then the letter that I owed their lawyers {$4000.00} approx. which put me even further behind on my mortgage. 
Then another game : Modification. 'They ' modified the smaller loan and said the other would follow suit. Nope. 
Then the foreclosure papers. On and on and on .... I would like {$200000.00} for all I lost, emotional distress, health issues now, and this is the amount it would take to make me whole.

Company response to consumer: Closed with explanation