vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX I received a notice from XXXX XXXX XXXX stating that Walmart/Synchrony XXXX had turned my account over to them. I called them on XXXX and discussed payments arrangements to begin paying back the debt owed. They set up me up on a 6 month payment plan where the payments were pre-authorized. 
I then received a notice dated XXXX/XXXX/XXXX from a different collection agency for the same account. XXXX XXXX XXXX XXXX stating that the amount due is now {$220.00} with an overall balance higher than the XXXX notice stated. I look at my account online and found that Synchrony Bank had been charging me a {$38.00} late fee each month of the payment plan I entered into with XXXX XXXX XXXX. When I called Walmart/Synchrony they stated that the payment amount I set up with XXXX XXXX XXXX was less than the minimum due and that 's why I was being charged a late fee each month. 
It does n't seem legal to me to turn my account over to a collection agency and still charge me a late fee each month. How is someone every supposed to pay off this debt especially when they 're trying to work with the company that the account has been assigned to. At no point did XXXX XXXX XXXX explain to me that the payment amount would n't be satisfactory or that I would still be charged a late fee each month. 
Not one person in Customer Service ( even a " manager '' )  seemed to understand that this does n't make sense. I informed them that I would be filing a complaint. 
In the meantime my account is still reported late each month which is further ruining my credit I 'm trying to repair.

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 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I started a loan Mod. With OCWEN & they stated after 4 time 's sending them all the info they requested they are saying they never received it but when I call they say they received it but the info from XXXX XXXX XXXX was the wrong paper work needed & so I went & got the new info right from my bank & SSD & SSI & again they say they did not receive it & then I get a letter from them saying it was not the correct info that they needed & now last month they are to take the payment out of my bank automatically on the 15th of every month {$890.00} but last month XXXX/XXXX/XXXX they did not take it out & I called them & said a late payment was applied & after arguing with them for over a hour with a person that could not speak or understand English what so ever said I would have to file a dispute & I said no this is OCWENS fault & he said they will foreclose on me for not making payments on time & I said they were the one 's that did not take my payment & finally he said it was there fault & he would fix it but not this month XXXX/XXXX/XXXX it is now XXXX/XXXX/XXXX & they still have not taken payment out again & I am so afraid that they are going to try to foreclose on me like they have done with a LOT of others. I have never missed or been late on payments until after I started this loan mod that I wanted a refinance of my loan with them since I have great credit but I think OCWEN is trying to make my credit bad with not taking my payment on the date due & trying to charge me late payments that was late because of them. Also over the years I have paid more on insurance & Taxes that was needed & when I asked were the extra $ went, I got hung up on.

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 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am age XXXX and have spent XXXX days trying to call and email paypal in reference to the attached charges Please note that paypal is charging me and blaming my bank for " declined direct debit payments '' during a specific time period last summer. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- according to XXXX Bank -- this is 100 % FRAUD and never happened -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The bank is instructing me to ask for documentation in reference to all the transactions and the reason paypal states that the bank rejected the payment. The bank states they never did anything like that. 

It cant be legal for paypal to charge me and blame the bank with out any further explanation -- -numerous attempts to contact paypal have not had any results. I have been promised email documentation I never received I can not get through to anyone intelligent who will address this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a setan time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

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 2017-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson, Blumberg & Associates, LLC
State: IL

Complaint narrative:
XXXX from XXXX XXXX to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against XXXX XXXX for filing a fraudulent complaint. 

They are lying through their teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I made a wire transfer into my saving ( XXXX ) account, and checking ( XXXX ) account on XXXX/XXXX/XXXX. I recieved an inbox Alert that notified me the funds were recieved ( XXXX/XXXX/XXXX ), in both accounts.The transfer was from the ACH CENTER located in XXXX, WV. This transfer came from XXXX XXXX XXXX XXXX, which transfers are immediate and are irreversible once sent. My account was closed because of this transaction, and there was never any record on either account about transfer. I have a print out from USAA BANK on XXXX/XXXX/XXXX which states : That Funds Were on Hold Are now Available in both accounts. I would like an investigation into the Fraud Banking Activitys of this Banking Institution ( USAA ). I also request that the Secret Service be Alerted as well for a complete forensic audit. Thank each and everyone of you who diligently work tiredlessly for the true people of America, We the People! I truly appreciate the time you have taken to both read and respond to this request/complaint. Thanking you in Avance, Most Sincerely, Peaceful Inhabitant-Standing in the Light. May God Bless America, and His People ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 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: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have filed a complaint against XXXX where they are reporting that XXXX XXXX says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with XXXX XXXX Bank. They came back and now show this as a debt to " Midland Funding '' who is listed as a " debt buyer '' with original creditor as XXXX XXXX XXXX. XXXX XXXX XXXX is fraudulently reporting that I have done business with them, when I have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 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: TX

Complaint narrative:
I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

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 2017-10-18 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: TX

Complaint narrative:
I was searching for a home loan and they added all of them lowing my score to were I dont get the loan now they are to combined home loan inquiries if between a XXXX time and they didnt and refused to fix it because they told me they are a privately owned company and the government cant do nothing about it so I tried to dispute them because some of the hard inquires the companies said they do nothing by there policy I have to contact the credit reporting agency to dispute so now the credit reporting agency said they will do nothing and now I ma blocked from writing calling and online disputing or any information and I have proof of everything. And some inquirers when you call them there number is disconnected then I called the credit reporting agency and they said they dont care. 
I cant attach any information because its all online and when you try to print it the credit reporting agency 's web page errors out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing is a debt collection agency. I was behind on 3 payments of {$900.00} due to a job loss and was able to come up with a payment and sent them one month on XX/XX/XXXX post dated for the XXXX. This payment was sent back to me and no correspondence from the lender occurred to help me resolve this matter. I have had this happen to me in the previous months and resorted to calling in my payments which they reluctantly accepted but refuse to defer any payments. I am in a federal disaster area and have no job for the moment. I wish to make my regular monthly payments and not go into foreclosure but am unable to make up for the payments I am behind on. I have tried to make these monthly payments but the lender keeps refusing them. As a debt collector I would assume they should cash my checks in order to repay my loan. I would like to know if there is a way to get at least 1 payment deferred so I can continue to make my regular monthly payments without having them send them back in an attempt to foreclose. I have never heard of a debt collector not willing to accept a payment. I would like to continue making my monthly payments and not have them be refused. I will continue to try and resolve this matter myself but if you can offer any assistance or insight that would be most appreciated. Thank you sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX Debit card transaction {$81.00} {$1600.00} A. XXXX XXXX XXXX XXXX XXXX XXXX DOES NOT RESOLVE CREDIT OF {$81.00} I AM DUE FOR XXXX. I AM DUE A CREDIT OF XXXX CHARGED ON XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seterus, Inc.
State: IL

Complaint narrative:
Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.

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 2017-10-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On XXXX XXXX, XXXX I applied online for a XXXX Credit Card. On that same day XXXX Bank did a hard inquiry on my Equifax credit report. On XXXX XXXX, I received a letter from XXXX dated XXXX XXXX stating that because of a security freeze on my Equifax report that my application would not be processed. I had also received a letter from Equifax stating the security freeze had been lifted from XXXX XXXX XXXX XXXX, XXXX that allowed XXXX access to the report. XXXX says they never accessed my report, but the inquiry is on my Equifax report and will only consider my application if I allow another hard inquiry. Equifax will not let me dispute the hard inquiry because XXXX looked did run a credit check and will not remove it. XXXX will not remove it because the bank says it never ran it. So this inquiry will affect my credit score for the next XXXX years and I got no benefit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX of XXXX XXXX XXXX repeatedly calls multiple times a day. This is over an alleged debt from XX/XX/XXXX in which I do not recall having this credit card at all. Firstly, I do not believe this to be a debt I owe. Secondly, it would be way past the statute of limitations to collect anyway. I have conveyed these points to XXXX XXXX, to which he has talked over me and insisted that I explain to him my personal activities over the past 10 years and that I need to pay him today. The most recent phone call to which this conversation was had was today, XX/XX/XXXX. Please find below a list of dates and times he has called as of late and that is just what we can prove for this week. We anticipate there will be more. 

XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC IS TOO CHEAP TO SEND ME FREE PAPER CHECKS AND IS TOO CHEAP TO PROVIDE TELEPHONE SERVICE. SERVICE IS THIRD WORLD COUNTRY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Hello, I have called the company in efforts to resolve this. I was charged a late fee on XX/XX/XXXX in the amount of {$37.00}. The problem is that I made a payment on XX/XX/XXXX. This payment did not apply to the previous cycle and fell within that cycle, so why then was I charged a fee in XX/XX/XXXX and XX/XX/XXXX?  The fee charged in the amount of XXXX is in error and should be credited. The representative on the phone would not listen and could not present information as to why this happened. I asked to speak to a manager and was told one would call me back. I have not heard anything back at this time. 

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 monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet takes advantage of young, ignorant students who are unaware of the details of their student loans. Nelnet has illegally cheated many struggling borrowers, including myself, out of our rights to lower payments. Despite my qualification for the income-driven repayment plan XXXX IDR ), Nelnet knowingly steered me towards forbearance. They chose to do this instead of counsel me about more affordable repayment plans because this would result in me overpaying for my student loans. Additionally, over the years, payments were processed incorrectly, and Nelnet failed to act or correct the situation despite complaints. A class action lawsuit is pending, and I need to negotiate a settlement with Nelnet on these student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
requested transunion unauthorized inquries remove and transunion customer services refused to dispute and remove. 
unauthorized creditor : 1. XXXX 2. XXXX 2 times

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