vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a settlement letter from World Acceptance Corporation in the amount of {$240.00}. In response, I mailed a letter to World Acceptance Corporation with a copy of the settlement offer they sent me asking for the validity of the debt. In return, I would agree to making a full payment, after I receive a letter with the company letterhead agreeing to the offer with the removal of the account from credit report. However, World Acceptance Corporation only sent a letter stating they received my letter on XX/XX/XXXX, but was unable to identify any account with their company. The company asked me to send my full Social Security and Account Number to  locate the account. I refuse to send any information to this company. If the account exist the company should be able to locate the account by the account number they printed on the settlement letter. Also this company should have all viable information, since this account is reporting on my credit report. 

I request the validity of this account. I also request that this account be immediately removed from all three credit bureaus including : XXXX, XXXX and XXXX. A letter stating the deletion of account must be mailed to the address on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CA

Complaint narrative:
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.

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 2018-02-23 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: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: CA

Complaint narrative:
I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from EGS Finacial Payer XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: NY

Complaint narrative:
I tried to pay on my account multiple times, they said the payment was accepted and processed and then weeks later they would not inform me that it was not processed properly but i would see my current balance was exceeded my normal monthly payment, currently i have caught up on payments but i was caused to incur late charges from them as well as my bank for returned check or overdraft which was not the case. Because of this my credit took a serious hit because they reported a serious delinquency.

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 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This is my second wire transfer gone missing with Coinbase , Inc . 
Case # : XXXX Ref : XXXX Date of transfer : XX/XX/18 Amount of transfer : {$3000.00} Sender bank : XXXX XXXX XXXX Sender full legal name : XXXX XXXX Bank Account No. : XXXX   Routing No. : XXXX IMAD ( alpha-numeric federal trace ID ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I applied for the XXXX rewards credit card through an email I received, it said I will earn XXXX points after spending {$3000.00}. I did this and was only awarded XXXX points. I called customer care and they said many times I will receive on my next statement. Four statements have since passed and I haven't received my points after countless managers told me I would receive it soon. This is unfair and I would like the missing XXXX points to be awarded please.

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 2018-02-23 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: CA

Complaint narrative:
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.

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 2018-02-23 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: ERC
State: CA

Complaint narrative:
Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. 
I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have inquiries on this account that i did not authorize or complete personally

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: OpenRoad Lending
State: MI

Complaint narrative:
Institution Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process. 

XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Inquiry from XX/XX/2018 This company inquired about my credit when I told the third party I didn't want to continue with the process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XXXX, I received a letter from Mr. Cooper aka Nationstar in the mail stating that I would need to show prove of insurance. I did called and uploaded the prove to them. In XXXX, I received another letter and I did call them again and they state that did not received. I did uploaded and called them back and they did confirmed that it was received and it will be removed in 10 days. I received an overdraft on XX/XX/XXXX and nothing was fixed. I called their escrow company XX/XX/XXXX and they said they will have to send their insurance company another message to clear so it can be reversed. XX/XX/XXXX, I called them again to check if it is resolve since my online account does not reflect any credit. The representative said they're still waiting for escrow to reverse it. I called back XX/XX/XXXX and nothing was done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: NCB Management Services Inc.
State: NY

Complaint narrative:
Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: TN

Complaint narrative:
Requested mortgage modification with my mortgage company The Money Source I've submitted my financials and the request to modify my mortgage. 
My home is in foreclosure and I don't want to lose my home. I was recently laid off from my employer and I'm currently unemployed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am having HUGE issues cancelling Experian Credit report service. I have tried numerous times between XXXX XX/XX/2018 to XXXX XX/XX/2018 to call the numbers provided as well as send emails to XXXX to get my recurring billing canceled. Each phone call they say I have over an hour and a half wait time, sometimes even 2 hours. They have not responded to my emails and there is no other way to cancel online. I DO NOT want this service to continue to charge my credit card XXXX dollars a month for something I get for free through my credit card service. They are IMPOSSIBLE to get a hold of and from the XXXX reviews and other reviews online I'm not the only person having this issue by a long shot. I have since called my credit card to have them put a block on this service but would really like to cancel it though Experian.

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 2018-02-23 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
After 10 years of paying my Chase Freedom credit card on time, with no problems that I know of, they cancelled the card, saying that there was " Not enough credit information available '', citing " XXXX '' ( the company that was hacked last year ) as the source of their information. The other two reporting agencies show me as " On Time '' and " OK ''. My credit score is in the low 800s, etc., nor did Chase ask me for more " credit information. '' Since this was the card I used the most, especially for recurring payments, this caused me a lot of trouble to clear up. I just want to caution people about Chase. I pay my credit card off each month, so they are not making much money from me. Is this the reason for cancelling my card?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
We received a loan modification from XXXX  XXXX XXXX in XX/XX/XXXX. Around XX/XX/XXXX, our loan was transferred to Seterus. This mortgage company is horrible to deal with. No monthly statements, billing, no credit reporting of " perfect payments '' for past 4+ years, no call backs, horrible customer service. We owe approximately {$320000.00} on our primary home that was loan modified. I pay monthly, religiously to a XXXX XXXX in XXXX XXXX. Very scary that I have no proper accounting of all of my payments for years!

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 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I feel Iike M & T Bank is trying to unlawfully obtain my signature for the note on my property. They are asking me for my note when I feel they should have had if I owed them. I feel like something is not right. They have been charging this whole time with out ever having the note in there possession.

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 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX credit cards counts that should show paid to XXXX one of them is closed the other is still open.

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 2018-02-23 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation