vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 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: AL

Complaint narrative:
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, XXXX, and Experian. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

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 non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.

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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.

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 2017-08-16 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.

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 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I paid down my home equity line of credit to XXXX. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XX/XX/XXXX try I  reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account. I was also told that I would continue to be charged interest on this balance until XX/XX/XXXX even though I had n't borrowed any money. I was also told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. While I was at the branch I called the phone line to see why no staff were picking up and witnessed bank staff ignoring the ringing phone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. Apparently that never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My payment was due on XXXX XXXX, i made my payment on that date, and it was n't processed until the XXXX. i called and they are telling me they are central time and they cut off is XXXX cst. i am in Arizona so i am MST time zone. i was n't aware of any cutoff but the rep stated they cut off payment at XXXX XXXX CT. however, their web page is XXXX XXXX CT. i had asked to speak to a supervisor about this and was told I can get a call back within 48 hours. the issue is one i paid my bill on the due date. 2 their times are inconsistent. now i got a late fee for {$38.00}.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards

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 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi bank charged returned fee in an amount of {$34.00}. The account was never overdroven and I always had enough funds for purchases.

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 2017-08-16 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: AL

Complaint narrative:
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus XXXX and Transunion. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call XXXX and Transunion they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, Transunion, XXXX, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

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 2017-08-16 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: AL

Complaint narrative:
I have two accounts that I and the Creditor themselves have sent proof for deletion off of my credit reports. The account XXXX XXXX ( open date XX/XX/XXXX ) is reporting at " unpaid '' and " collection account '' on credit bureaus Equifax and XXXX. I have sent proof from creditor to both credit bureaus by fax, mail, and online. As have the Creditor themselves. I have spoke to XXXX XXXX numerous times and they confirm with a control number of sending proof to both Credit Bureaus. Every time I call Equifax and XXXX they say its " in dispute '' or " its placed in collections ''. They never accept the control number I try to give them from XXXX XXXX. This collection is in the amount of {$2600.00}, which was paid back in XXXX. The account with XXXX XXXX XXXX ( open date XX/XX/XXXX, XX/XX/XXXX ) stating " Collection account '' and account seriously past due date etc. '' This collection is being reported to all three Credit Bureaus, XXXX, Equifax, and XXXX. I have sent proof to all three Credit Bureaus from the Creditor by fax, mail, and online to have account removed completely from my credit reports. They have yet to remove any and tell me the same thing every time I call about the proof I 've sent. They say " call back in 48 Hours '' or " its under review '' but nothing is getting removed. The balance on this account is {$590.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: CA

Complaint narrative:
This is the fourth time in recent history that a potential Lender has been unable to hard pull my Equifax credit file. Equifax says absolutely nothing wrong on their end, but XXXX, XXXX XXXX and XXXX all get the same " no data available '' response from Equifax. My most recent response to the same complaint resulted in Equifax sending me a paper copy of my report. This is not what I asked for!!! I WANT LENDERS TO HAVE ACCESS TO MY EQUIFAX CREDIT FILE!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
PayPal closed my account without my knowledge and are not releasing my funds for two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I p
ay with Auto Payment. When I make an addit ional payment to Loan A, I state to " Not pay ahead the account '', either with a separate piece of paper or using the company 's online option. This is what Navient has told me to do several times. Almost EVERY TIME, Navient " pays ahead '' Loan A s uch that : -I get an email saying my payment will be lower this month -The Auto Pay amount ends up being the same ( it is not, in fact, lower ). - The amount of the payment that is allocated to Loan A is reduced from {$100.00} to {$25.00} ( this is regardless of how much the extra payment was - typically around {$500.00} ) This is documented in the attached file as happening on X/XX/17, X/XX/17, XX/XX/17. Each time there is a misallocation, I contact Navient and typically receive a correction with 1-2 calls. Additionally, the amount allocated to each loan occasionally varies, for no reason that I know of, and with no explanation, as on XXXX/XXXX17 and X/XX/17. ( I have been making extra payments on Loan A starting this year - I made extra payments on Loan B ( XXXX Direct Plus XXXX ) for the last 2 years with the same problems )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment.
I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
They are trying to get me to pay a debt I do n't know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have automatic payments in my account and also banks alerts when my account is below {$50.00}. The cut off time for my Bank is XXXX eastern time after this time if I make a deposit or transfer will be post it on my account the next business day, however Chase bank allows a merchant to post on my account between the XXXX and XXXX to charge insufficient fund fees on the account, we didnt received the alert on the account and not ODP. Today we received an alert from chase bank letting us know that the account was negative with 2 insufficient funds fees, when I called the bank for the bank error, they told me that was not an error and they will not reversed the fees because is a bank policy and is nothing they can do. This not the first time I had issues with chase, sometimes I make the transfer or deposits before XXXX eastern time and they charge me insufficient funds fees, sometimes they reversed but not as a bank error, they said is a courtesy but that not rigth they charge fees to the clients to get some money from us. Even if we do n't get our fees back, I would like an investigation to chase with the consumer accounts, I am pretty sure they following the steps of XXXX XXXX XXXX, charging unfair fees to the clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC
State: FL

Complaint narrative:
In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Adjustment, Inc
State: AZ

Complaint narrative:
I am disputing my account being sent to collections. My account was only 60 days pass due. I live in a rural area and the post office it opens and closes while I am at work. I am not disputing paying my bill but I owe only {$140.00} pest control service " XXXX XXXX XXXX XXXX '' the collection company is " A collection Agency sent me a letter saying my account was in collections and increasing the balance with interest. I called the agency and the pest control company and they said my account was in collections. I told them my situation with post office, I also lost my key XXXX XXXX key reason I could n't get mail since my XXXX XXXX was under my name. Anyhow I told them my account is n't 180 days pass due it should have not been in collections nor should my account be collecting interest if it is in collections as a charge off account. I told them it 's illegal to collect interest on a charge off account. They refuse to listen. I mailed my payment just because I know owe {$140.00} not paying interest but I would like for you to check there ethical collection pratices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: MN

Complaint narrative:
Trans union is reporting Negative accounts on my report. see bellow i contacted the company they have no debt there thast is in my name or sociasl nor are they finding anything at there agency when the did a credit report search. same with XXXX ive never gone to school. and have followed up with them as well and they have no information on me at XXXX. see Below several examples on my report only trans union is reporting. New AccountXXXX XXXX, 2017 DESCRIPTION An account provider reported that a new account opened in your name. NEXT STEP If you do n't recognize this account, contact the account provider listed. DETAILS Account XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Type n/a Phone n/a Account XXXX Amount {$14000.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX Amount {$7700.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX  Amount {$6100.00} Status Collection/Chargeoff Type n/a Phone n/a Account XXXX XXXX XXXX XXXX Amount {$17000.00} Status Collection/Chargeoff Type n/a Phone n/a

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