vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 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: GA

Complaint narrative:
Please be advised I have a tradeline from XXXX XXXXXXXX XXXX on my credit report! It is a self lender account as to where I paid a certain amount each month and it is deposited into a CD and at the end of the term ( which I have completed ) I get my money plus interest back! The tradeline is showing I was 30 days late in XXXX of 2017 which is not correct! I was never 30 days late!

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 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: LA

Complaint narrative:
I noticed that there was a XXXX dollar transaction cancelled on my Western Union account with the last four digits of a card number that I do not recognize. I immediately noted that my account must have been hacked. Thankfully, while no money was transmitted under my name, I was concerned about the breach and reported this promptly to Western Union. I was provided a ticket number XXXX, and advised that there would be an investigation. I was not contacted anymore thereafter. I desire to know what has transpired since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
They are reporting that my account went 30 days late in XX/XX/XXXX. I've never been late. I've tried fixing this with them directly but they are unwilling to fix the problem. I've asked for proof of an online chat that took place around XX/XX/XXXX-XX/XX/XXXX where they say I was told to pay a certain amount for the month of XX/XX/XXXX and they are not willing to provide that proof to me. It was their customer service rep that made a mistake on my account and they are not willing to fix it. I've paid all of my bills on time. This is the only problem I'm having.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account.

The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX  check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX  of every month starting in XX/XX/XXXXthey would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX  a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX   on one account and XXXX on another leaving me with a -XXXX   balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that Midland Credit does not have my backing information and continue to deduct any more checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card with XXXXXXXX XXXX XXXX XXXX 

The interest rate is stated to be 26.49 % which is excessive and I don't recall that being the agreed upon interest rate. 

Second problem is that I charged an item for {$63.00}. I made two partial payments and then the balance. I noticed on this most recent statement that XXXX 's charged me {$2.00} each month as a " minimum interest fee. '' The most recent balance was {$13.00} so a charge of {$2.00} interest would be 15.3 % of the balance amount which is an actual APR of 183.626626 %. 

There should be a law to protect consumers on this type of theft by corporations. 

I contacted the company and they state that 'it is simply their policy and if I didn't like it that I am welcome to cancel my credit card 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 explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Enterprise Systems, Inc.
State: KS

Complaint narrative:
National Enterprises System has been calling me multiple times a day and even called a distant relative in another state looking for me. I want nothing to do with them and my student loan debt. They cal from different phone numbers and sometimes unknown numbers, but all the calls are the same company.

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 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Payments made since XX/XX/XXXXshow inconsistencies with how they are applied to the principle versus the interest. Periodically payments are made where more is going towards interest and the incorrect amount is going towards principle. There are adjustments made over the years. Some say adjustments ; some are interest adjustments. Since XX/XX/XXXX, interest adjustments have been made, but no adjustments to the principle have been made. This means that the amount that was incorrectly applied to the interest is being taken off, but not applied to the principle. My questions are why is this happening consistently? Why hasn't the right corrections been made since XX/XX/XXXX? Why can I not speak to someone about this issue? I was told that a response would come to me via US post office mail. I'm unsure how this issue will be resolved by mail or why there is no one for me to talk with to handle my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX show up on my credit history ( XX/XX/XXXX) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXXandXX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

Nissan Motor ( XX/XX/XXXXXX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX  ( XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX) do not have any knowledge of this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
just giving you more lies ocwen gives me not that it matters to the cfpb or ocwen ... but ... once i figure out how to get all these phony docs and lies ocwen has sent to me ... i have so many ... im sending copies to the ...

EOP U.S. attorney General U.S. attorney members of the U.S. Senate and house of representatives..

house judiciary committee house oversight committee FBI XXXX XXXX  judge XXXX XXXX  and whom ever else I find this letter clearly states ocwen received my loan from gmac in XX/XX/XXXX ... when they went banrupt ... in which gmac only stamped my mortgage assignment in XX/XX/XXXX ... ( out of business ) .. gmac never sent me a transfer notice from home eq ... .or anyone else for that matter ... and here is home eqs paper clearly stating ocwen got my loan from them in XX/XX/XXXX ... but ... i DO NOT believe ocwen was licensed to have my loan ... .in my PSA ... until XX/XX/XXXX!!!

when the paperwork was done for out mortgage in XX/XX/XXXX... is was never notarized in front of us ... thats a whole different complaint ... but I'll get t gat together

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: VA

Complaint narrative:
I applied for a 36 month installment loan from XXXX XXXX on XX/XX/XXXX. After submitting the data requested I was approved for a loan up to {$12000.00}. I requested {$7000.00} and supplied the documents requested for proof of income. Two days later I received an email stating I should call because they had a few more questions. I made the call, spoke to them over the phone and was informed that everything was good and the loan was approved. I completed the final paperwork including the Truth in Lending Statement agreeing to pay them {$230.00} per month for 36 months with a APR of 12.99 %. They said I would get an email confirmation in 24-48 hours and the money would be deposited in 2-4 business days. That didnt happen so I called back and they said I had been misinformed by their representative and they would need more information. I asked them why was that necessary when I already signed a promissory agreement to pay the amount borrowed and that as I understood it being a mutually verified contract. They refused to honor the agreement when I called on XX/XX/XXXX at XXXX  EST. I want them to honor the contract I signed with them. If there was a mistake it was on their end and does not forgo their legal obligation to abide by the contract presented by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received an email offer from XXXX  for their XXXX  Rewards VISA card on XX/XX/XXXX and again on XX/XX/XXXX. The offer stated that if you applied for the card byXX/XX/XXXX, get approved, and spend {$200.00} in net purchased with 40 days, you would receive {$100.00} cash back automatically. I responded to this offer prior to the deadline, was approved, and spent significantly beyond the {$200.00} in 40 days. After the 40 day spending period, I would check my monthly statements to see if the credit had been placed. By the time I received my XX/XX/XXXXbilling, the credit had not been placed on my account. I called their credit card customer service on XX/XX/XXXX and they have no record of that offer that I had signed up for in their records database. I was instructed to provide a letter and a copy of the original email offer to them via fax, which I did later that same day. I received a response letter dated XX/XX/XXXX ( the next day after receiving my documentation ) that they were denying my " ... request to apply for a different enrollment offer. Unfortunately, we are unable to change your enrollment offer if your account has been open longer than 120 day. Therefore, since your accounted was opened on XX/XX/XXXX, we are unable to process your request. '' This was not what I asked for. I simply asked them to honor their offer as I had meet the terms of the offer. I called the credit card customer service today, XX/XX/XXXX, and spoke to two representatives, the 2nd of which was a supervisor. They stated that since it was now past 120 days since the account was opened, they could not honor the offer. I asked them what I could have done differently in order to insure that XXXX  Rewards would have honored their end of the offer. They stated that I should have been more diligent and checking to see if the credit had been applied and should have called in to speak to customer service. Really? I am expected to babysit them to insure they honor their own terms and conditions? In the conversations with customer service representative, at no time did anyone say that I actually did not meet the terms of any condition of the credit card offer. What they did do was cite their own internal policies that no one outside of their company would have any knowledge of. The supervisor person said she could approve a {$50.00} credit in order to meet me " half way ''. I told her I would take that but that I still was not pleased that they were not willing to honor the offer originally sent to me of which I meet all the terms and conditions. They took a hard stance that this was the " best '' they could do.

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 2018-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Performant Financial Corporation
State: FL

Complaint narrative:
I DENY I owe XXXX XXXX XXXX for this alleged debt. Please see attachment that explains my position. My response to XXXX XXXX XXXX was sent Registered Mail on XX/XX/2018.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account. 
The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX of every month starting in XXXX they would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX on one account and XXXX on another leaving me with a XXXX balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that XXXX XXXX does not have my backing information and continue to deduct any more checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number. 

I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
The Property went into foreclosure after been told it would since the home was active for sale. Even once we had a full price offer the bank foreclosure on the property. The property was due to close on XX/XX/XXXX but buyer could not risk going thru and the lender foreclose the same day. We call the bank plenty time anmd was given a different story every time we called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
XXXX show up on my credit history ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry

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 2018-03-13 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry

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 2018-03-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX show up on my credit history (XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry it should only been one inquiry which it was on theXX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX do not have any knowledge of this inquiry XXXX XXXX  (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hi, My name is XXXX XXXX, and I filed a bankruptcy dispute with Experain. I filed this disputed because I received a letter From XXXX XXXX saying they deleted a bankruptcy record. I spoke with a manager from Experain, and he assured me once I sent in proof of the letter from XXXX XXXX they would delete the record. Today I received notification from Experain saying that the bankruptcy will remain. A supervisor from Experain said that it would be deleted once they receive this letter, I sent this letter as they requested. Since Experain did not honor their word, I am filing this complaint. Experain should not assure things to customers and then go back on their word. I would like the bankruptcy deleted from my Experain credit report. I would also like an updated copy of my credit report when this has been deleted.

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