vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CASHCALL, INC.
State: CA

Complaint narrative:
XX/XX/2013, I made a mistake in taking out a loan with CashCall. The amount was for {$2600.00}. I informed the representative that took my call, that I did not need that amount and informed him I wanted something less. I was informed the interest rate was $ 183.06 %. I was instructed to take the full amount of {$2600.00} but informed that if I make a payment for half the amount, that interest rate would lower. My first payment was for {$1100.00}. Little did I know that the amount I was paying was only going towards the interest and not the actual loan amount, I was lied to. I continued to make monthly payments. Overall I've submitted {$4100.00} to CashCall. I filed a dispute with CashCall and they ultimately closed my account and listed a charge off on my credit report for the amount of {$1300.00}. After requesting validation from a 3rd party they sold my account to, I received a letter claiming I owed a balance of {$870.00}. The information CashCall submitted to the credit agencies is incorrect. CashCall needs to remove this charge off from my credit file since the amount was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I receieved a robo call from my mortgage company today, XXXX XXXX, encouraging me to take out a home equity loan. I recieve regular mailings on this topic. I've told a telemarketer that I am not interested in this product and to take my name off of their call list. I even received a {$60.00} check from a class action law suit with this company over telemarketing calls promoting their financial products. The company is now called XXXX XXXX, aka NATIONSTAR. Please get them off my back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX, I opened up a PayPal account to receive money, a total of {$50.00}, from a distant family member. I received the money into my PayPal account and began the transfer from my PayPal into my bank account. I first started with the instant transaction option which charged my account {$0.00}. A day later the money was still in pending status. I made a phone call to PayPal and they put the {$0.00} back into my account. The money has been in a pending transfer status since that day and I have called them several times within the past month. I have been told to wait 24-72 hours every time I made a phone call for them to trace or complete the transaction but I have not seen any progress or any emails regarding the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I memorized my statement closing date which is the XXXX of every month. I am livid that I paid my account down and they reported a balance of {$500.00}. My credit took a hit which I can not afford at this time. I've worked so hard to get it to where it is. I call and I speak to a representative that told me my payment had to be in by XXXX. At first he said he'd see if it could be changed but then followed by saying you need to talk to the credit bureaus. That's not true. Navy Federal has to change it since they are the reporting company. I asked to be transferred to a supervisor so I spoke to XXXX and explained my situation. She stated the payment had to be in by XXXX so here 's misinformation. I've had this card almost a year with no problems like this at all and at no time did they ever say a payment had to be in by a certain time. I did not make a payment on the XXXX. I made sure to call in on my statement closing date. The representative never advised me that the payment wouldn't go through a day later. This should not be taken as an oh well, XXXX it up situation. I have taken my credit card account very serious since i've had it and have NEVER had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Me and my mom use to have a card with XXXX XXXX cleared off years ago, I tried to find out what is wrong but stuff on report they claim that equifax was sent notice of being fixed even sent my idea and requested a call but equifax and XXXX XXXX said they could do nothing tell this is fixed so I am again sending equifax a request as we mailed that copy of bills showing address and license of myself and it still is off even sent copy to XXXX XXXX to proof it was myself, not sure why this can not be fixed over the phone or what is going on one blames the other mean while darn card gets denied for reason that should not exist and number for my house been sent correctly to all parties plus my cell number been the same for over 12 years so I am confused obviously if they see my license it should be correct and will resend this to equifax and XXXX XXXX  again, not sure if issue when equifax got hacked and old stuff on my report, but this been sent to equifax 4 times and now XXXX XXXX XXXX time or so. Own house number XXXX XXXX XXXX XXXX home XXXX or cell no text XXXX only for text XXXX noted on letter with my address verification to bother parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and noticed that a company Bridgecrest were reporting XXXX days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the XXXX XXXX XXXX and the XXXX  XXXX XXXX as I want this to be taken care of right away.

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 2018-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
a mortgage refi was wrongfully denied, via age discrimination,

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 2018-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I went to Wells Fargo in XXXX to advise them that, as a result of a XXXX, traumatic event, and various health problems that resulted in hospitalization, I would have no income for the remainder of 2017. Thus, I would be unable to make my upcoming credit card payment. I asked them to discuss options to pay off this debt without incurring late fees, severe interest charges, and so on. 

They advised me to NOT make a payment on the account and that once a certain amount of time passes, they would be able to assist with refinancing this debt ( they even provided the specific options that would be available, such as switching the debt to a XXXX interest card ). They assured me that since I was a Wells Fargo customer for XXXX years and never missed a credit card payment, they would be able to work with my situation. 

Per their instruction, I did not make payments and went back to Wells Fargo after the suggested timeframe ( into XXXX ) so that I could discuss this with them as well as discuss why I was charged fees even after speaking with them. Then they advised me that they can not do anything to refinance and I am required to pay the balance. 

I have incurred {$500.00} worth of fees in the timeframe during which I was sick and hospitalized on numerous occasions.

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 2018-02-09 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: IL

Complaint narrative:
I called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09 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: NC

Complaint narrative:
Equifax is reporting a fraudulent account on my credit file. XXXX XXXX # XXXX is a fraudulent account that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the account from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this account was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.

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 2018-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My Home Affordable Modification became effective XX/XX/XXXX with XXXX XXXX which gave me a new principle balance of {$210000.00}. According to the modification agreement, my new principle balance included all amounts and arrearages that will be past due as of the modification effective date ( including unpaid and deferred interest, fees, escrow advances and other costs, but excluding unpaid late charges, collectively, " unpaid amounts '' less any amounts paid to the Lender but not previously credited to my Balance ' ) It also states that all unpaid late charges that remain will be waived. In XX/XX/XXXX, my loan was transferred from XXXX to Ocwen Loan Servicing, LLC. On my XX/XX/XXXX  monthly statement I noticed a prev-prior servicer fee in the amount of {$4900.00}. Over the years I've called and written trying to dispute the charge but up until XX/XX/XXXX, Ocwen could give me an explanation for the charge. Ocwen would tell me to talk to XXXX XXXX and XXXX XXXX would tell me, I needed to contact my current servicer because XXXX no longer serviced my loan. Finally, someone at Ocwen gave me a contract number for XXXX XXXX were I was told to put my dispute in writing., which I did. However, XXXX XXXX response left me even more confused. I have a {$98000.00} balloon payment, if I stay in this current loan so I am trying to refinance my current mortgage but I refuse to pay this {$4900.00} fee after my loan was modified. Also per Ocwen Loan servicing, LLC that so called prev-prior servicer fee amount is different on several of their documents. On Ocwen loan ledge entry date XX/XX/XXXX the amount is {$550.00}, on Ocwen answer to my written dispute, it was {$5500.00} but supposedly the current amount is {$4900.00} and on my current pay off from Ocwen, it states the amount is {$4900.00}. for a Posting Sale Cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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 2018-02-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better  Business Bureau as I want this to be taken care of right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better Business Bureau as I want this to be taken care of right away.

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