vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cadle Company
State: PA

Complaint narrative:
Cadle co had purchased my loan in XXXX of XXXX. I have been paying them since then. Cadle Co purchased this debt from my previous mortgage co XXXX XXXX. My loan with XXXX XXXX was a 30 year fixed loan ( FHA ).  Now that my loan is with Cadle co. this loan is to be paid in 10 years. I just learned this today XX/XX/XXXX via an email response to an offer that I needed to accept for a payment modification. I had to ask several detailed questions to even learn this information because their offer email was very vague. At no point before this was I ever made aware of this 10 year term. In XX/XX/XXXX Cadle co sent me documents about my mortgage payment going up by {$500.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. Then in XXXX they sent another document about my mortgage payment going up by {$250.00} due to an error/shortage that they just found in my escrow. That payment increase would start in XXXX. 
In XXXX of XXXX I contacted Cadle co to ask them about re-financing this loan to get a more affordable payment. In an effort get get help with this process I had also reached out to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX ( a company that does housing counseling services ) I was being helped by XXXX XXXX. They in-turn referred me to XXXX XXXX XXXX for the loan Re-Fi. I was dealing with XXXX XXXX XXXX. 
After 1 Year of Mr. XXXX & Mr. XXXX trying to negotiate a Re-Fi, Cadle Co declined EVERY offer that was made. So in XXXX of XXXX that is when I made my 1st complaint to this office about my issues with Cadle Co. after my complaint Cadle co. reached out to me seaming as though they were trying to help me but really they were not. Since XX/XX/XXXX we ( Cadle Co, my Wife & I ) were corresponding via emails & they asked us to submit some financials. I did as asked. They then sent me & my wife a very intrusive email asking me about my wife 's monthly income, checking her social media & asking questions about things she posts. My wife is not on this loan she is only on the deed. We responded to their questions. Cadle Co then sent an offer a few days later. The offer was very vague and my wife & I had to ask several questions. Cadle co responded to all my questions and that is when I learned that this is not a Traditional 30 year Mortgage, that is a loan that has to be paid in 10 years, the monthly payment is about 95 % interest only & at the end of the 10 years there will be a very large Balloon payment of about 300,000.00. Cadle co also does not send monthly statements even though I have asked them repeatedly This offer is extremely predatory & aggressive. I am asking that something to be done about this matter. Or that I am pointed in the direction of how to fix this matter.

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 2020-03-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery calls many times a day from different numbers. But, where the problem is is that they will call late at night ( after XXXX XXXX ). This evening I received a call from the at XXXX XXXX. I'm tired of the late night phone calls and on occasion early morning calls as well. I have tried to block them. But, the calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18 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: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors.

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 2020-03-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received a copy of my credit report and found the following items to be errors.

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 2020-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I made payment to bayview loan servicing my account # Borrower XXXX XXXX XXXX Loan Number XXXX  Monthly Payment Due {$2700.00} Bayview Loan Servicing refuses to post my timely payments so that they can hit me with a late fee!!!!! They have my {$2400.00} in suspense and did not post my other paynment of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
American Express has been blocking the transfer of my membership rewards points to other airline programs for a 6-8 weeks now. I receive the error message that my " purchases are under review. '' I am unaware of any purchases I meant that would have run afoul with the program and called in multiple times to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Financial Services, LLC
State: PA

Complaint narrative:
I have 3 problems. A lot of my debt for my student loan has gone into collections. My most recent problems first. I recently had a lot of debt taking off my credit report. Then I received a letter from a debt collector Ive been dealing with for over 10 years. The recently sent me a letter to resolve all issue with a one time payment of XXXX dollars for student loan debt. When I called them back I tried to enter my account number and it didnt work. Then I noticed they changed the date to make it look like I just started dealing with them so this debt will remain on my credit report for the next 10 years. I also noticed the account number they gave me didnt work when I called them XXXX {$58000.00} is the loan. Thats the first problem. I recall dealing with this financial institution since XXXX. Action financial services. I feel like some is committing fraud to try to keep my loan status on my credit report. Also my next problem is I went to XXXX XXXX XXXX and em a XXXX graduate. The company got sewed for a million reason and there was I believe a class action law suit filled that gave people who went to the school student loan forgiveness. Ive asked this institution for as long as I can remember to help me out with this and they always said they could as soon as I put my loans into Forbearance. Last I remembered have full custody of XXXX XXXX XXXX   children and having to sacrifice my whole career for them. Needing XXXX  and constantly having to go to doctor appointments. I was told that this should eraced my loans or at least made a difference. Needing help and dont know where to turn.

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 2020-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CO

Complaint narrative:
Diversified Adjustment Service Inc is collection agency reporting an account on my XXXX  and XXXX   credit reports. On XX/XX/2020, I sent them a certified letter requesting they validate the debt by providing written proof of the debt and their right to collect it via postal mail or immediately delete the debt from my credit reports. They received my certified letter on XX/XX/2020. On XX/XX/2020, I received an email from their representative that did NOT include the requested validation information, thus failing to validate the debt. I insisted she immediately delete the debt from my credit reports. As of today, Diversified Adjustment Service is still reporting the debt. Because of this, they are in violation of the FDCPA and illegally reporting un-validated, negative information on my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I sent in numerous letters to Trans Union to do a simple method of verification on my bankruptcy on my report XX/XX/2020. They have been disregarding the law by not responding after I gave them verified proof of everything they asked for in their response letter which one of the items was a signed letter from the courthouse. I will include in my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I originally took out the loan for {$14000.00} but due to limits I was allowed to have {$11000.00} and the remainder was sent back. The record still shown that I received {$14000.00} and have been charged interest on this amount for over fifteen years which has increased the over loan amount tremendously with all the interest. I have tried to talk to several people over the years but they say it is correct but it is not. They have not been trying to help me to get this correct. This has caused a financial hardship on me and my family and was a factor in me filing bankruptcy. The over all amount of the loan should be lowered and recalculated or the loan should be waived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
At XXXX on XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX   XXXX XXXX , XXXX , Az . I was looking to see if I could upgrade my vehicle. The salesman, XXXX showed me 2 vehicles, one in particular a XXXX XXXX XXXX XXXX XXXX XXXX /XXXX. I distinctively told him not to run a credit report,, because I was only looking and to possibly trading in my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I gave back the XXXX XXXX back to Santander USA car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call Santander USA and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have a credit card opened with Citibank from XXXX with an APR of 29.99 %. 

A promotional balance transfer was offered to me over the Citibank website, 0 % APR until XX/XX/XXXX with 3 % origination fee. I called Citibank on or about XX/XX/XXXX to ask whether I could request this balance transfer on my current card. The terms indicated that if I make continued purchases with the card, I would continue to have the 29.99 % APR applied. 

I called to clarify whether this was creating a new account or whether this would be applied to my current card ( where, as explained, I would not be able to continue to purchase goods without accruing interest ). The associate on the phone did not speak English well, so I had to rephrase my questions several times. Ultimately, she explained that no, I would not accrue interest as long as I paid off my purchases month-to-month, while keeping the balance of the balance transfer there. 

I processed my balance transfer on XX/XX/XXXX and subsequently checked my online account. My account balance after it was processed included both the balance transfer and my purchases. I called back to ensure that I would not be charged any interest if I paid off my purchases month to month, as I was explained. 

The associate on this call ( XX/XX/XXXX ) explained that this was not true. As long as I was using the credit card at all for purchases and EVEN IF I paid off the balance month to month, with the balance of the balance transfer on there, I would be charged the APR ( 29.99 % ) of the purchases each month. She explained the only way to rectify this would be to open a new credit card for purchases only. 

I explained that I had been told differently on a previous call and would like to file a complaint. I again asked how to rectify this. I was told there was nothing else I could do aside from opening an entirely new account. I was told my complaint would be " noted. '' Now, I am stuck with the balance of the purchases and the balance transfer, with the potential of paying a full APR on the purchases, despite paying them off month to month completely.

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 monetary relief
Consumer complaint received 2020-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought a charge card some months ago, after about a week or so ago. I tried putting money on the card and now I can not load money into the card and NetSpend is hanging up on me everytime I call. I can not receive the money I got from XXXX  XXXX because NetSpend refuses to answer my calls or return my money from XXXX XXXX? Is there anything I can do or just take them to Court?

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2019 I disputed an account on my report with all three bureaus regarding. I was given notice that it would take 30 days for the investigation to be completed from each bureau. On XX/XX/2019 XXXX  responded to my investigation stating that the item was deleted from my XXXX Credit Report. I received results from XXXX stating that the investigation was complete and that information was verified. The report did not include how the items were verified. On XX/XX/2019. Again, I disputed the same items with both XXXX  and Experian. This time I sent a follow suite letter attaching the deleted account from the XXXX record to both XXXX and experian.I received a response on XX/XX/2019 from both XXXX and Experian that the account was updated and verified. Again, no documentation on how this account was verified. Experian sent along a stall tactic during this dispute stating that I had not sent all required documents which I keep logs of what I sent to each bureau.

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 2020-03-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I gave back the XXXX XXXX back to XXXX XXXX car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call XXXX XXXX and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.

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 2020-03-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation