vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
Calls to my home phone that are not my debt ... I DO NOT HAVE A DEBT FOR COLLECTION ie : Date of call Number listed 24 hour clock XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( 2 ) XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( 3 ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX They were advised to stop calling however does the above show that??????

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 2018-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a notice from Wells Fargo Home Mortgage in the middle of XX/XX/XXXX that there was an escrow shortage and I could pay it in advance. Otherwise, my monthly mortgage payments would increase. ( I have received these notices in the past with other mortgage lenders, including with this lender, have paid the escrow shortage and my monthly payments remain the same ). But in this case, I paid the escrow shortage on XXXX XXXX by check, but my mortgage payments still were increased effective XX/XX/XXXX! I called their Customer Service number in XXXX, inquired why my mortgage payments still increased when I had payed the escrow shortage in advance? Their response was that they may not have gotten all the advance notice of increase in property taxes in time and that was the reason for the increase in mortgage payments. I responded that this didn't make sense. They apologized but that was their explanation.

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 2018-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I ordered a product from a company XXXX for a fitness tracking watch in XX/XX/2018 for {$40.00}. The tracking number that XXXX provided is XXXX never received the watch. I had attempted to reach out to the company and they would never return my call or contact me by email. When I was unable to have them acknowledge my request. I then reached out to Paypal Credit to file a dispute that I never received the product. Paypal claims to have opened a complaint case and they contacted me with the results. They sided with the shipper saying that the item was delivered. To this day I still have not received my item. I contacted Paypal again and asked them their reasoning why the agree with the shipper. Paypal said that they provided a tracking number. I asked them that the tracking number provided only showed shipping progress from XXXX to XXXX XXXX in New York and not tracking information from there. Paypal said that they said the post office delivered it to my address. This did not happen. They then said I need to check with my post office. It is not responsibility to check with the post office. That is for them to do if they are researching where the product is.

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 2018-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The sign up bonus is XXXX points after spending XXXX within 3 month for XXXX XXXX credit card. 

I applied the card XX/XX/2017, met the requirement but never got the points. Called BOA and the rep think i should get it but has no authority to award the points so created a case. 
The case never solved. 

Called the 2nd rep 3 month later and had another 'case ' created, at the end they said i did not met the requirement. I complained but never heard back since then. 

i never thought contacting CFPB until now.

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 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I have a debt on my credit report that is not mine. It is a debt from XXXX XXXX XXXX. The collection agency is Caine and Werner. I never knew what that was until it showed up on my report. There was an account opened in XX/XX/2017. I sent a letter telling them to verify the debt and they sent a response back. I have contacted the Fraud Analyst at XXXX also and have not gotten a response back. I sent letter to him via certified mail and the receipts were returned to me. I sent copies of the police report also. No one has contacted me back. And this debt is still on my credit report. The date of birth is wrong, the email is wrong, the address is wrong, the telephone number is wrong and I don't know what XXXX is. 
Creditor : XXXX XXXX XXXX XXXX- Account Number is XXXX Amount owed {$1600.00} Collection Agency- Caine & Weiner XXXX XXXX XXXX, XXXX XXXX Ca XXXX/ Phone number is XXXX I sent a letter to the collection agency and XXXX XXXX at Fraud & Payments Analyst/XXXX  XXXX XXXX  XXXX  and I called him and left voicemails with no response. 
This is totally unfair. Police reports have been sent and no one is making any contact with me. I should not be responsible for a debt I did not charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.

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 2018-12-19 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Please see previous CFPB Complaint # : XXXX and review the additional documentation that further supports my claim that my credit being run by Citizens One was unauthorized. Ive attached a copy of the Pre-Approval letter from my credit union who currently finances my vehicle. There was no reason for Citizens One to run my credit due to having already secured financing through my own credit union.

I am requesting that Citizen One remove the hard credit inquiry from my XXXX  credit report. 

I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I looked at my credit report today and it has my name on there mispelled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX XXXX XXXX employee XXXX XXXX has repeatedly called my employer multiple times and multiple days. Originally only referencing a private matter until today. XX/XX/18 she contacted my employer at numerous locations and stated she was a debt collector attempting to collect a debt. this is a violation of my employers policies and my right to privacy.

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 2018-12-19 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have two different hard inquire and I recognize one it was my credit card from walmart in XX/XX/XXXX but i nave otherone from XX/XX/XXXX and I receive a letter that both are the same it doesnt make same to me in my credit report i need to get a accurate result. 

Synchrony XXXX, GA XXXX ( XXXX ) XXXX It was XX/XX/XXXX. It is not mine. 

Institution Information XXXX/walmrt XXXX, FL XXXX ( XXXX ) XXXX This is my walmart credit card from XX/XX/XXXX. 

More question i got a letter from XXXX  XXXX  but i dont know what i need to do in order to clean or remove this inquiries. 

XXXX XXXX Cards they made mistake because they opened two different cards the same years and i used only one the other one was by error. 

Last issue that i have is XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. i dont have contact information in order to fix this inquire. What i need to do I will appreciate your help.

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 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/2018 XXXX XXXX  sent a check in the amount of {$55000.00} to pay off our son 's student loans. The check was made payable to XXXX XXXX in the said above amount and deposited on XX/XX/2018. We have a copy of the check that was sent showing it was deposited. We are getting collection notices, and they are adding interest to the amount. They ( XXXX  XXXX ) can not find where the money was applied to. 

We called and talked to a XXXX ( Call center rep ) # XXXX who did not have a clue. I asked to speak to a supervisor. I spoke with a supervisor named XXXX # XXXX who also could not find out with happened to our payment. 

Could someone please help us with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
It has come to my attention, after receiving a notice of wage garnishment from the U.S. Department of Education, that GC Services has made a significant error while managing my student loan account. Although I completed GC Services loan rehabilitation program in XX/XX/XXXX, the system never sent my account to a non-defaulted servicer. I have the original letter from CG Services dated XX/XX/XXXX confirming completion of the rehabilitation program I enrolled in the month of XX/XX/XXXX. GC Services, in error, returned my account as delinquint to the Department of Education, who in turn submitted the account to collections through XXXX XXXX XXXX. Since receiving the completion letter from GC Services dated XX/XX/XXXX, I have not received any notifications or letters from them regarding my account or its status and assumed they were still taking automatic payment on my loans, which they were not. 
This error has occurred secondary to prior negligence on GC Services behalf in processing multiple automatic payments incorrectly in XX/XX/XXXX. Automatic payments were set up on the account and began on XX/XX/XXXX in the agreed upon amount of {$56.00} dollars. Per GC Services, a typo was made when they entered my payment into their system, which led to only a {$5.00} payment being drafted from my bank account. I spoke to them multiple times to resolve this issue as soon as I became aware of it. GC Services acknowledged the error on their behalf and assured me it would be remedied and that it would not lengthen the 9 month period that our agreement had stipulated for rehabilitation. I also reported the circumstances and GC Services negligence to the U.S. Department of Education. On XX/XX/XXXX, GC Services sent the U.S. Department of Education an apology that acknowledged an error on their behalf in processing my payments. 
I spoke to the U.S. Department of Education on XX/XX/XXXX regarding the status of my loans and the negligence of GC Services. They confirmed that although my account was sent back to them by GC services for delinquency in XX/XX/XXXX that the Department of Education would not have notified me of the default at that time because they originally notified me back in XX/XX/XXXX when it initially went into default. I was advised that my only option at this point, as GC Services is no longer the collecting agency, is to request a hearing with the U.S. Department of Education and forward them all of the documentation I have saved from GC Services. While I was unaware that GC Services had falsely reported me as delinquent to the Department of Education, my credit has been impacted negatively and I am accruing delinquent charges and extra interest on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I looked at my credit report today and it has my name on there mispelled.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I looked at my credit report today and it has my name on there mispelled.

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 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JTM Capital Management, LLC
State: DE

Complaint narrative:
I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.

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 2018-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX misrepresented facts to consumer and the CFPB in response to a recent complaint. Consumer and XXXX XXXX XXXX were involved in an ongoing dispute regarding an underlying XXXX XXXX credit card account. In or around XX/XX/2018, consumer and XXXX   XXXX XXXX engaged in settlement negotiations over a dispute regarding the veracity of purported debt. XXXX XXXX XXXX provided a settlement offer. In a letter dated XX/XX/2018, consumer proposed a counteroffer to settle the dispute. On XX/XX/2018, XXXX XXXX XXXX   confirmed the settlement agreement and accepted the agreed-upon settlement amount noted satisfaction in full. The corresponding settlement check itself was submitted to the address specified by XXXX XXXX XXXX and Alliance Data pursuant to the XXXX. A review of records corroborates this. Despite this, XXXX XXXX XXXX  sent consumer a letter dated XX/XX/2018 indicating that the debt had been " charged off '' on XX/XX/2018 and sold to another company called XXXX XXXX XXXX XXXX. XXXX XXXX XXXX continues to report the matter negatively to the credit bureaus and refused to honor the settlement agreement, which required that the matter be reported as settled in full/ satisfaction in full. XXXX XXXX XXXX also misrepresented to the CFPB and consumer that the settlement check was sent to an incorrect address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was attending XXXX University took out a private loan that was not enough so I reapplied again was told to go to class then found out I had to leave class because the loan that they said I had I did not have which led me to another school at that time it was Sallie Mae so from then on it has been nothing but a horrible confusion they messed.up my credit report and I was only six.credits short from my XXXX degree I left XXXX University and had to start another School which held.me.back a few.years.in the mean time the harassment call and the correspondence was horrible and to top it off I am in default which went on for several years until one gentleman for Sallie Mae said they could.have put.me on a forbearance. At that point I went to the State Attorney where Sallie Mae I believe is now Nivient and he said to sue them. I feel that they have ruined my life my credit and prolonged my degree for no reason. Very unprofessional unethical and I would appreciate someone correcting.that huge error on their part and being accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFW Holdings LLC
State: TX

Complaint narrative:
This company continues to call my place of employment after I told them my manager has requested no more phone calls be made to this number. They are also calling and not even saying the name of who they need to speak to. Some times it is a blank pause and then a hang up. There is aggressive language and behavior when calling, and I have never experienced a loan company like this. I have asked this company numerous time to stop calling and I will deal with business over the number I provided them. We are settling the debt as we speak and they are still calling. I do not want them calling my job any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
in the month of XXXX i call capital one call in an payment on XX/XX/XXXX, i check back on my account on XX/XX/XXXX in which i spoke whith an capital one rep, he told me that my 25 min payment was deny by my bank the told him the reason why was because it was not money in the account to cover the payment, so we call my bank which is XXXX ( XXXX XXXX ) an rep from them told capiital one rep that was an supervior, that the reason why the money did noy withdrew was because, capital one fail to colcect, on the note, it was not because it was not money to cover the XXXX $ payment note, that they did not deny that, that capital one did colcect to note or the money, afther she confrim or told, them the capital one rep said thats funny, ask for XXXX banking info i told she the bank rep told them, then he said ok, we capital one is going to corcet this.the bank rep hange up me and the capital one rep was on the line he told me to hold on, he was going to fix it, or corrcet it, he came back on the phone said the bank said that the reason why was because it was not money to cover the payment, then i told him " we just got off the phone whith my bank she told just mins ago that that was not the reason why, that it was beacause of you all, why did not you colcect the note '' ) i also ask if i can faile an complant so i can get the statement letter ect..he said no.

Company response to consumer: Closed with explanation