vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc.
State: MA

Complaint narrative:
XX/XX/2018 ~XXXXXXXX ( est ) I received a call from National Enterprise Systems that informed me a student loan was in default. This was a surprise to me since I've tried to stay up on my student loan payments and have been with the other 2 companies I deal with ( XXXX and XXXX ). Since I'm going through a divorce, I knew this was probably just an oversight and something I could begin making payments on again to fix. I was told that wasn't the case. They explained that since my mother was a co-signer, she would now have to pay the debt since they " knew she could afford it ''. I explained that my mother is on XXXX and was just released from the hospital for major XXXX XXXX and definitely couldn't afford it and that I would begin making payments. The person I spoke with told me that I was lying and that my mother could afford it and that I'm not allowed to make payments any more because they wanted the whole sum at once. I was floored that I was being called a liar and that I was being told I couldn't pay my own debt. Then I was told to give them my mothers most current contact info so that they could call her " and have an unpleasant talk with her ''. This was the last straw. I saw this as an attempt to use my mothers XXXX XXXX as a threat on her life over my student loan debt. Totally unacceptable when I want to pay my debt, I just need to do it in payments that I can afford and certainly not an entire lump sum at once.

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 2018-08-16 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have about $ XXXX in consolidated loans with Navient. My monthly payment is {$200.00} which covers the interest and very minimal principal. I've been paying for years now with an extra {$100.00} per month going straight to principal and my balance hasn't even gone down {$1000.00} which doesn't seem right. I've contacted them several times and they keep telling me some months interest is higher because there are more days ... They have never once explained to me why they aren't doing simple math as normal banks and other loan servicers due. They are definitely not applying my payments correctly and taking advantage of me. I don't know if it's on purpose or by accident but they have yet to correct their mistake, and I alerted them about 2 years ago. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I wrote 2 letters, one on XX/XX/18 and another on XX/XX/18, asking for the company to send me the contract I signed with them. I asked for documented proof, such as a contract with signature, for the alleged debt that they state is mine. I have received no proof as of yet. I have also asked them to send me their license and bond information to ensure that they are licensed to collect in the State of Texas. I have not received that either. It's been almost 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX I SUBMITTED DISPUTES TO EQUIFAX TO AMEND THE CREDIT REPORT INFORMATION FOR 4 ACCOUNTS XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) AS OF LAST COMPLAINT I FILED WITH YOUR COMPANY THEY ADVISED THEY NEEDED ME TO FILE DISPUTES WHICH I HAD ALREADY COMPLETED SO I RE-FILED THE DISPUTES AND AM REFILING THE COMPLAINT WITH YOUR AGENCY IN HOPES THE CORRECTIONS WILL BE MADE. THE OTHER TO CREDIT AGENCIES HAVE AMENDED THEIR FILES, XXXX AND XXXX. 

Date Major Delinquency First Reported SHOWS AND I WAS NEVER DELINQUENT ON A PAYMENT, PER CHAPTER XXXX BK, I WAS NEVER LATE ON A PAYMENT AND ATTORNEY ADVISED ME TO HAVE THIS DEROGATORY REMARK REMOVED. 
PLEASE DO SO IMMEDIATELY. :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I have an open-end line of credit with CashNet USA which is illegal in XXXX  and may be predatory lending due to the APR of 299 % for cash advances and the excessive amount of fees charged ( 15 % on cash advances, for example ). When I signed the attached loan agreement in XXXX, I was not aware that CashNet USA had my old XXXX  address on file. I moved from XXXX  to XXXX in XX/XX/XXXX. My understanding is that CashNet USA does not have a license to offer open-end lines of credit in XXXX. This loan should be null and void - the current loan balance is {$1400.00} and I have been making semi-monthly payments since XX/XX/XXXX ( XX/XX/XXXX and last day of each month ) of between {$300.00} and {$350.00}. I should no longer be obligated to repay it because CashNet USA should not have offered this loan to me in the first place knowing that I live in XXXX and they don't have a license to offer these types of loans in my state. I used my XXXX address when I applied online for credit with CashNet USA, and I also verbally informed them of my relocation during the application process. Most importantly, I believe that the excessive APR and excessive fees are  viewed as predatory lending practices in XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Ocwen Loan Servicing processed my mortgage modification request, and they added my daughter XXXX XXXX XXXX to the deed of trust and the Adjustable note of my home. My daughter lives with me and contributes to the household. Before the mortgage modification my property deed of trust and note was in my name only. The new note is Adjustable Rate Note and it will adjust out every 6 months and will adjust up to 16 % until the mortgage balance balloons out. I feel the current mortgage modification is setting me up to fail on my fixed income. I have resubmitted financials and request for mortgage modification to Ocwen to remove my daughter on the deed and note. I also want a fixed rate mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: NY

Complaint narrative:
I reviewed a copy of my credit report on XX/XX/XXXX and found multiple hard inquiries that are invalid and not mine ( fraudulent ). After calling TransUnion and asking to have them removed, I was transferred to multiple representatives and ultimately told to contact each creditor individually. After doing so, I was told that TransUnion must be the one to delete such errors. These inquiries were added to my credit report without them being able to validate that they were in fact mine. I explained to them multiple times that I did not authorize these inquiries but they refuse to help me. I also asked a supervisor from TransUnion to send me proof of these inquiries being made by me and he was unable to provide any such proof. I would like the following inquiries removed from my report as they are violations of the FCRA. XXXX XXXX XXXX:XX/XX/XXXXXXXX:XX/XX/XXXX XXXX XXXX XX/XX/2017 XXXXXXXX plcc:XX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX:XX/XX/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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: AR

Complaint narrative:
What happened? 
In XX/XX/2018 I disputed a item that was incorrect on my credit report. The incorrect item which is XXXX XXXX. The credit report agency reported that the item was verified. I sent a certified letter to XXXX XXXX requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM XXXX. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX, XXXX to the address reported on my credit report which is XXXX XXXX XXXX XXXX WI XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/2018 and they have not responded to me.they received and signed for the letter on XX/XX/2018 today is the XXXX day and I still haven't received my request XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Innovis
State: WV

Complaint narrative:
Innovis refuses to delete information from my innovis credit report that I have indicated to them that was ID theft to wit a XXXX XXXX account I recently went through the dispute process and they sided with XXXXXXXX XXXX stating the information is accurate and will remain I have discussed this with innovis several times informed them that this was ID theft and should be removed and innovis continues to side with the creditor and refuses to remove it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have the bank account with the XXXX XXXX bank. In 2017 I received the promotional offer for the XXXX XXXX American Express Credit Card, and I applied for it. On XX/XX/2017 my application was approved, and I got e-mail confirmation about this. 

When I got this card in the mail and activated it online, as a part of the activation process I got online the promotional offer for 10 % cash back for the payments for the service of the Internet providers. This promotion did not say clearly, if it is from American Express or from XXXX XXXX. I clicked " Yes '' button and agreed with this promotion. Unfortunately, my printer failed to print this promotion, so now I have no evidence of it. However, I immediately set up autopay for my XXXX Internet service to this credit card and since that time, significant total amount of the monthly service fee for the Internet was charged to this credit card. 
However, nobody ever gave me the promised cash back according to this promotion. When I contacted both American Express and XXXX XXXX, none of them was aware of such promotion and none of them was able to find anything about such promotion. Customer services of both banks bonce me between them and totally unqualified for their job customer relations representatives in both banks extremely plausibly pretended to be the total XXXX. I wasted many hours of my life, calling them and writing them messages regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase bank mailed me an offer for a new credit card in the US mail. The card said it had to be opened online. There was no offer code. I opened the card in XX/XX/2018 online. I was supposed to receive a {$100.00} credit after first purchase. When I contacted them, they said I had a different offer, which is untrue.. When I talked to a supervisor, she said that I had to apply in WRITING or by PHONE in order to get the {$100.00}, even though the card said to apply ONLINE. When I emailed them copies of the ORIGINAL offer, they said they'd get back to me in 2 or 3 days, but never did. Chase 's marketing department is playing a shell game, and I am furious at their dishonesty. I did get the XXXX miles as promised ( after spending XXXX in 3 months ), but I also want the {$100.00} credit as promised. I am attaching my proof and their reply. 
Thank-you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I was contacted by GE Capital, XXXX XXXX, and granted a {$5000.00} personal loan for debt consolidation. I was told I needed to supply them with {$100.00} for loan fees, and then my money could be funded. After I paid them {$100.00}, in the form of a XXXX XXXX card, I was told I needed to pay {$470.00} in state taxes, and was sent a letter from the Federal Trade Commission, their letterhead was on the letter, and was told that the XXXX XXXX XXXX backed the Federal Trade commission 's request that I prepay the state taxes. The State of Idaho would then refund me the {$470.00} with a check sent to my personal residence. All of this was for the loan of {$5000.00}, and the {$100.00} loan paperwork fee to my account. When I questioned him, he sent me a letter stating that GE Capital was funding this loan, at no point ever did he ask me to sign any loan origination paperwork, nor did he ask me for any personal information like my social security number, or anything else for identification. Mr. XXXX got very upset with me when I told him I could not afford that, and that I was going to go to the Federal Trade Commission, the State of Idaho Attorney General, and the XXXX XXXX XXXX to find out if he was legitimate, he told me that if I couldn't be trusted to pay the taxes, how could I be trusted to pay back a loan.

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 2018-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The reason for my filing of these complaint is to state that capital one is being un reasonable with my case. I had disputed my account ref number : XXXX XXXX XXXX XXXX on XX/XX/XXXX, about late payment history around XX/XX/XXXX to XX/XX/XXXX. 

Capital one requested me to provide proof of my not being able to make my payment. As a result, I sent capital one the doctors proof of sickness ( medical report ) and my XX/XX/XXXX Bank statement that shows that I had around {$19000.00} back then that could have covered the payment due were it not for the serious medical condition that I was under. 

But to my surprise, even after providing all the documents that capital one had requested as proof, capital one still refused to remove the late payment history they are reporting on my credit file. I am requesting that capital One remove the late payment history they are reporting on my credit report. 

Attached here with : 1. My dispute letter sent to cap one on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center
State: TX

Complaint narrative:
This complaint is in regard to what is believed to be a scam company referenced as Premier Student Loan Center allegedly located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  ( likely a drop box ) with

various telephone numbers that appear to be local and web address www.premierstudentloancenter.com.
PSLC called me today at XXXX from XXXX ( XXXX   XXXX, TX ). After multiple disregarded calls from them, I answered this call. The lady asked for my name and how much I owe in Student Loans, then transferred me to another lady who was going to tell me all about the forgiveness program. 

Enjoying the amusement, I decided to listen up.

She again asked for my name and amount I owed. I informed her the lady gave her that information when she introduced the call, and I only want to know about the program. She said she would just make it up, I said OK. She then proceeded to explain the program to me and stated the Department of Education will pay my loan off through PSLC , take it back and lower my rate. I responded, first off, the Department of Education isn't paying off anything, they never have or will so let 's get that straight. She immediately started yelling to the top of her lungs, stating I work with loan forgiveness and you don't know what you're talking about, You are trying to tell me you know everything, I don't understand the point of this call if you refuse to let me talk. She paused for a second and I started laughing and asked why she was so upset, she then started up again, I'm not upset, I'm not yelling, you're yelling, then she put me on hold for 3 minutes and disconnected the call.

As comical as it may be to me, I'm fortunate to have a career where fraud is identified regularly, but others aren't so lucky. This company need to be shut down, sanctioned and fined for these illegal practices and taking advantage of misinformed and disadvantaged people!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently obtained my credit report through TransUnion in XX/XX/XXXX & noticed I had 9 unauthorized hard inquiries on my credit report. I contacted all the companies and after speaking with them they looked into there records and were unable to provide any proof of these inquiries. I sent a letter to TransUnion on XX/XX/XXXX in order to get them deleted, I never heard back and contacted them through phone again on XX/XX/XXXX and they were not willing to help me. I have listed all the unauthorized inquiries below along with dates. 

-XXXX XXXX on XX/XX/XXXX -XXXX  on XX/XX/XXXX -XXXX XXXX XXXX via XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX -XXXX XXXX XXXX XXXX  via XXXX on XX/XX/XXXX -XXXX XXXX via XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/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 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: KEYCORP
State: NC

Complaint narrative:
My student loans are through Keybank and were initially services by XXXX XXXX. I've paid my loans on time since graduating in 2006. While my loans were serviced by XXXX XXXX I paid the same amount every month. My loan servicer was changed to XXXX XXXX in XXXX and now my monthly payment to is variable and will change every month or so which is difficult for me to budget for. I have also paid my loans for the last 12 years and Keybank will not allow me to remove my sister as cosigner which has caused her undue Financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I got behind on my payments and I reached out to " Keep your Home '' program, a California program that assists people like me to avoid foreclosure. I qualified for {$25000.00} assistance. The issue was that the bank ( Wells Fargo ) had to accept the amount on my behalf and if so it would have been paid directly from the state to the bank. I completed and sent every document sent to me by the bank related to modifying my existing loan. The problem started to get worse when the bank representatives were often replaced and I had to deal with a new person constantly and I had to resend everything again and again. One of the last representatives I dealt with asked me to fax my loan modification documents from one of the bank branches. And I did. I used their branch located in XXXX XXXX in XXXX XXXX, Ca. Even though I had proof all documents were faxed, the bank still claimed fax was not received. While all of this was happening I was receiving collection calls from the bank. I was told my past due amount had increased a lot because some lawyers fees had been added to my past due amount. I asked them what was that all about and they said it was for legal fees for handling my case. I was extremely desperate. Then when a collection agent called again he mentioned if I wanted to accept something called short-sale. He explained it was better to do that than a foreclosure. I begged not to do that and asked to please accept the {$25000.00} from the state so I could keep my house but they said the bank policy did not allow them to accept it. I was about to have a XXXX XXXX and in desperation, I accepted the short-sale offer and I finally lost my house in mid XX/XX/XXXX. 
About a week ago on Friday XX/XX/XXXX I heard on the news about how a Wells Fargo computer error was the reason hundreds of people lost their home. The news even mention how the error added legal fees that eventually were part of the reason for loan modification denials. I already contacted the bank in person and I could not believe how the two employees I spoke with claimed they did not know anything about the news. I asked to speak to the bank manager and he was there but was not available to speak with me. I waited 45 minutes.

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