vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC
State: MO

Complaint narrative:
In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}. 
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''. 
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX. 
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.

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 2018-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These Inquiries are on authorized and I would like them removed. They are preventing me from applying for credit and are currently damaging my credit. 

XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX  XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
On XX/XX/2017, my daughter XXXX 's boyfriend at the time bought her a new car so that she would have transportation to find a decent job. Because he was very young and never had credit he was told that a good way to establish credit was to sign on with Santander bank because that was the only bank who would finance the car. XXXX XXXX then told them that once they made the payments on time for a year, XXXX XXXX would get the initial payments lowered to a more manageable level. The initial payments were set at {$570.00} per month for a XXXX   XXXX priced at {$20000.00} approximately. My daughter agreed to make all the payments and did, on time, for the year. They went back to XXXX XXXX expecting them to honor their word. They didn't. She contacted Santander representatives to see if she could get the payments lowered ... they said no. Meanwhile XXXX is working hard to make these payments on time only to find out that most of the payment was going to interest and not principle. I did some research on Santander bank and found that they had numerous complaints against them, bad reviews, and law suits against them for essentially operating as loan sharks. They need to be stopped so that they don't trap anymore consumers who are desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I live in XXXX. I am unable to enter my address or phone number ( international ) via website or app. I marked my preference to contact me via Email. I was unable to login to my account when I changed my password in XX/XX/XXXX and needed to contact Wells Fargo. I finally paid to get an international phone card to call in and get access to my account today. Got logged in and found out my credit card was closed due to a XXXX balance. They sent mail to my old address even though I clicked email for account related information. I called to get more information and they marked my complaint but was unable to reopen my card. This will now effect my credit score due  to their services on not being able to inform me prior to closing the account.

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 2018-10-14 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: AES/PHEAA
State: MI

Complaint narrative:
XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have no idea why they are calling me. I do not owe anyone any past due amount. They call every day ( sometimes multiple times each day. I do not talk to them, but when a human voice answered when I  picked up once, I told them I don't know what they want but I wanted the calls STOPPED and hung up on them. They continued to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: MI

Complaint narrative:
XX/XX/2018, XXXX XXXX changed the way that they report XXXX XXXX debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least XXXX points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?

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 2018-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. 

I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
Cashnet USA keeps changing the settlement offer. I have copies if you need to see them. 
They keep changing the amount of the payment due and the loan repayment date. 

Whenever I call in to make a payment they tell me that I owe them more money,. ' XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a Sears CC for over twenty years. There were two late payments reported. One was XX/XX/XXXX and one was XX/XX/XXXX. I have always paid my balances when due. Back in XXXX and XXXX I did not pay online rather I paid my balance when I received a statement and mailed a check as I did not believe in online transactions. I believed my balance XX/XX/XXXX balance was paid in full and postmarked by the due date. I cant find my XX/XX/XXXX bank statement and cancelled check and the bank said they do not keep information that long. The Credit reporting agency did not show me proof that I was notified of my balance or provide me a copy of the post office stamp showing when I mailed my payment to them. I bring up these relevant points as I have on many times received postage for other individuals that did not belong to me or my addresses ( as a good individual I always mark the envelopes as wrong address and return to the post office for proper delivery ). I have also had instances where I mailed information for the holidays and their birthdays to my family members and experienced significant delays in delivery by the post office in the month of XXXX. I do not believe the credit reporting agency is fulfilling their fiduciary duties in performing a review of my account. I light of their lack of the agency not meeting their fiduciary duties in regard to my dispute I would like to file a formal complaint.

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 2018-10-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I somehow got lucky and was able to file a dispute on line at Equifax, but that has been the one and only time I have been able to get through. Since the initial filing and creating username and password I have not been able to access thier website, re wives page information provided does not match records, same thing happens when actually call and talk to representative, they tell me same exact thing. Constantly told they are having issues with web site but representative has same wrong information. How can this be a company in charge of our information and reporting if they can't get thier own company to work correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have made many attempts to remove debt collection company JH Portfolio from my XXXX, XXXX XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of { {$730.00} } and { {$1900.00} } for several months. I have messaged JH Portfolio several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay JH Portfolio or the original creditor. I requested a photo copy of my id and a wet ink scanned signature. I have requested JH Portfolio to provide a copy of certified letter and receipt that they claim that was sent to me. This company has not provided any of this after several request. This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of { {$730.00} } and { {$1900.00} } came to be. It appears to a be a fake credit card statement and a fraudulent debt generated by JH Portfolio. I have never agreed to this debt, i never signed any contract or agreement to pay this debt with JH Portfolio or any original creditor. Methods being used by JH Portfolio to validate this debt as accurate are inaccurate, this debt can not be validated!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.

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 2018-10-14 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened a secure credit card with Capital One credit 6 months ago. This required a security deposit of {$200.00}, which was fine. I was under the impression that at some point my credit score would improve and I'd qualify for a regular unsecured card and I would receive my deposit back. 

Upon calling Capital One to find out when I will get my deposit back, I was informed I would have to close my account to get my deposit back. This is an unfair practice as the closing of this account would negatively affect my credit score. So essencially I have to leave my deposit with them indefinately or close the account and suffer the consequences of a negative score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14 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: NC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX 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 explanation
Consumer complaint received 2018-10-14 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from 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 2018-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
I mailed out a dispute on XX/XX/2018 via certified mail to LexisNexis disputing a bankruptcy that LexisNexis is reporting. I received a letter back from LexisNexis dated XX/XX/2018 stating that they verified the bankruptcy and that it was reporting accurately on my LexisNexis report. I then mailed out a second certified letter to LexisNexis on XX/XX/2018 requesting the method of verification that was used in order to verify the bankruptcy from the letter I received back from LexisNexis on XX/XX/2018. I then received a reply from LexisNexis dated XX/XX/2018 stating that LexisNexis is unable to determine exactly what I am disputing. So now LexisNexis has failed to address my dispute in my second certified letter sent on XX/XX/2018. According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) this record must be removed. LexisNexis clearly understood my initial dispute but once they received my second letter requesting their Method of Verification, then they " are unable to determine '' what is being disputed. Either LexisNexis follows the law or, the item is to be deleted from the report because " It is a common maxim that 'ignorance of the law will not excuse any person, either civilly or criminally.? XXXX v. United States, 7 Pet. 404, 411.

Company response to consumer: Closed with explanation