vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I sent XXXX a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called XXXX back in XX/XX/XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with XXXX in the past and they were removed without me paying a dime. They are conducting illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: GREAT LAKES
State: WI

Complaint narrative:
I have been out of school and paying down my debt for a couple of years. I decided to switch how my payments were applied and paid off a vehicle that was very close to being paid off. 

On XX/XX/XXXX I looked at my student loans, and because of what my XXXX XXXX XXXX XXXX  billing statement said at the time I decided to adjust what I was paying. My statement said that I was paid ahead by {$4300.00} and my next required payment was not due for 14 months. 

So I changed my payments, while continuing to pay {$100.00} per month to continue my paid ahead status. When I was completed paying off my vehicle, on XX/XX/XXXX my balance had not changed so I didn't think anything of it. My statement said that I was still paid ahead by nearly {$600.00} and I didn't have to make a payment until XX/XX/XXXX. 

So I started back up making payment well above my required amount to further reduce this debt. But after a few months of making these payments, not a single dollar was reducing the debt. They were applying to accrued interest and nothing off the principle. But 4 month later on my XX/XX/XXXX billing statement ( while they were not applying any to principle ) I was paid ahead at {$1000.00} and didn't owe a payment until XX/XX/XXXX. 

Not only did they not disclose the payment were being charged to accrued interest, they did not give me updated statement balances, and they held my money that I had paid and didn't apply it correctly. 

This company is acting fraudulently and in bad faith to not only me but I would venture to guess Thousands of consumers who are using them for their student loans. If they are telling me I am paid ahead, that money should have been used to cover any accrued interest, and or been applied to straight principle. If they are saying I do not owe a payment, how is it that I can still be charged interest? 

I have reached out to Great Lakes and was treated very rudely by both the customer service agent as well as her supervisor. I submitted a XXXX XXXX XXXX complaint and got a canned response, not even answering my questions or concerns. 

I demand action be taken to fix this issue because the American consumers are being gutted by this company who is not handling payments in the correct way and not being truthful in the amounts of debt owed. They " hide '' the true balance which gives consumers a false narrative of their account. This is extreme bad faith and needs to be corrected. 

I would like my account reviewed and any fees credited back to my debt. I have recently gotten so sick of dealing with this company I am refinancing with another company to get away from these unfair and deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, a credit monitor company informed me that XXXX XXXX made a hard inquiry into my credit. I promptly called to alert them that I did not seek cable from their company. I have lived in a multi-dwelling unit for >10 years that contracts exclusively with XXXX XXXX. XXXX   deemed the inquiry valid for " promotional purposes. '' XXXX required that I send a form with all my personal and sensitive information through the mail to resolve the issue. Beginning in XX/XX/XXXX/XX/XX/XXXX, DIVERSIFIED CONSULTANTS INC ( XXXX ) began calling my home repeatedly until I asked them to stop calling. They never said what the call was concerning just a " personal business matter '' neither was there anything received via U.S. Mail. The result is now a bogus {$1000.00} delinquent charges from XXXX for 'unpaid bills since XX/XX/XXXX ' per XXXX XXXX for address XXXX XXXX XXXX , XXXX XXXX, XXXX ' . I promptly informed them that I never lived at that address. XXXX XXXX said the company would remove the charge from my credit. The bogus amount is now on all three of my credit reports! This could have been avoided had XXXX and XXXX applied due diligence to verify address and information a year ago. XXXX should have know the property was not one of its clients!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently applied for and was approved for a Citi Premier credit card in the middle of XXXX. The sign up bonus for the card was an additional XXXX thank you points for spending {$4000.00} in the first 90 days of opening the account. In the first month, I put over {$4000.00} of spending on the card. Its now been an additional billing cycle since then and the bonus points have not been added to my account. I contacted Citi and their representative said they would look into the issue and get back to me. That was over a week ago and I have not heard back from Citi or received the points.

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 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I cosigned on a vehicle loan for my boyfriend to purchase a XXXX XXXX in XX/XX/XXXX, financed by the American Honda Finance Corporation ( AHFC ). At that time, I was XXXX years old, a XXXX XXXX  and was working part-time as a XXXX XXXX XXXX XXXX. Prior to that work, I worked as a XXXX  at an XXXX XXXX where patrons could have pizza parties. 
My boyfriend at the time worked as a XXXX XXXX at the Honda dealership where the vehicle was purchased. At the time, I was surprised to be able to co-sign for him since I could not even qualify to sign for my own car, because of my brief employment history, lack of credit and savings. In fact, my own car was in my Fathers name because I did not have any credit. The finance person at the Honda dealership assured me that since I was graduating in XX/XX/XXXX, that I was seen as an acceptable person to co-sign for him because I would be getting a full-time job in the near future. 
After breaking up with my boyfriend/childs father, He experienced several employment challenges including working as a XXXX. His payment of the car was sporadic and I received calls from the AHFC on numerous occasions. They informed me that I would be held responsible for the vehicle if he did not make the payments, since I was a co-signer on the loan. I informed them on numerous occasions that I was not going to make payments on the vehicle unless I was given the vehicle. 
When I applied for a loan to purchase a home, the mortgage loan office informed me that the vehicle had gone into collection. When I contacted AHFC, they informed me that they had repossessed the vehicle and sold it for {$7800.00}, almost half of what the vehicle is worth per XXXX XXXX XXXX estimates for Private Party Value leaving a balance {$16000.00} that I would have to pay if my ex-boyfriend does not pay it. 
I have attached a copy of sheet entitled, XXXX XXXX indicating that the actual amount of the charge off is {$25000.00}. Although the balance is reported as {$17000.00} over an above the {$23000.00} identified as the balance. The High credit on the loan was {$29000.00} when the vehicle was purchased in XX/XX/XXXX 
I believe that I was used by my boyfriend, the Honda Dealership and the AHFC. I believe that every trick in the book was used to finance my ex-boyfriends car because he was an employee of the Honda Dealership. AHFC never informed me that they were in possession of the vehicle. They just sold it and plan to bill me for the balance owed plus other charges. 

I am willing to pay for my mistake, but I should have been provided an opportunity to have the vehicle if I am being made to pay for it. AHFC never provided me that opportunity. 

I am going to hire an attorney and file reports with the State of Tennessee and the local District Attorneys office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Not letting me access my data for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
MCM made an agreement to settle account for {$630.00} upon payment that day, and then account reflects {$860.00} being due even though i have a written agreement.In addition, they reported to credit bureau no payment being made. XXXX XXXX was the account manager they refuse to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX still reporting open with a balance on my credit reports. The account was paid off on XX/XX/2018 which is well over a month from now. This is a violation of the FCRA federal law and I will seek litigation if this issue isnt resolved immediately. The account should reflect paid in full with a XXXX  balance and never been late!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: NC

Complaint narrative:
I was contacted by XXXX XXXX XXXX Village Capital & Investment LOAN Originator on XX/XX/XXXX about refinancing my mortgage stating we can setup the loan you will not have payment for 2 months. Then on XX/XX/XXXXanother email stating that I could lower my interest rate to 4 % and payment could be lower as much as XXXX per month.You do not need to re-qualify with income, credit, or an appraisal. You are not obligated to do a mortgage just because you start an application. We can set up the loan so you will not have a payment due for 2 months. On XX/XX/XXXX after I ask him could my interest rate be lower to 3,75 % and he replied that it could be reduced as much as XXXX. Then on XX/XX/XXXX he stated the need for documents and 2 separate utility bills and declarations page for your home owners insurance.The refinance document was attached to the email which I completed and email back to XXXX XXXX onXX/XX/XXXX. I receive a letter from Village Capital Investment LLC out line your mortgage loan application if you have question please contact your Loan Officer XXXX XXXX XXXX  by calling XXXX. This letter showing a project payment amount of XXXX for 1-11 years and XXXX 12-30 year. I then tried to contact XXXX XXXX  from the date XX/XX/XXXX to XX/XX/XXXX but by then I receive late payment that damaged my credit. Then they submitted the report to the credit bureau as I have refinance my home that isn't true

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I filed bankruptcy XX/XX/XXXX to keep from losing my home. I have been making my payments without a coupon and just sending the payments to the addresses that I have for the company. My mortgage is with Amerihome Mortgage. I finally received a statement that my mortgage has gone from XXXX to XXXX in addition to my paying the trustee XXXX per month. This has put an extreme hardship on my current financial state. I have requested a Modification package on XX/XX/XXXX and again on XX/XX/XXXX and was told that they would be sent to me and nothing has arrived. Additionally I had one representative to tell me that they couldn't talk to me because of the bankruptcy. My home is now worth XXXX and my loan is XXXX. I don't want a HELOC I want to modify my loan to make it more affordable. I am doing everything I can to keep my home and they are refusing to work with me. I want the documents sent to me so that I can begin the process. I know it is the mortgage 'company 's responsibility to try to work with me and they are not. They will send me information from their attorneys but nothing to help me to keep my home. Please assist/advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX NC XXXX. Worked a deal and signed the paperwork for a used car loan. 
Credit Acceptance financed XXXX $ The down payment was unable to be met because of circumstances out of my control. 
I contacted XXXX after canceling the check for XXXX $ saying I need to bring the vehicle In and that there was a hang up with the money wire me and my co-signer were expecting to arrive that day from a staffing company based on the west-coast. 
XXXX continued to string me along and push the days out more and more to give me time to bring, XXXX $ to keep the vehicle in my possession. 
On XX/XX/XXXX I successfully was able to get to the dealership in the hours that the owner was still present and he lied multiple times about the financing and my only option moving forward. I Willing gave the dealership all keys and property to the XXXX XXXX XXXX. My personal belongings and tools were in the back replacing the third-row seating. the owners father agreed that i am not to get any of my tools back until the third row seating was brought back. I agreed and assured them i would be back momentarily after calling an XXXX to get to my bosses truck to retrieve the third row. the owners son was swearing and acting foolish, wile I held professionalism. When returning the third row seating the owner take them out the truck and locks them away, and tells me Im XXXX  and that Im not getting my belongings until he receives XXXX $ from me He threatens a Lawsuit. I proceed to step outside call my legal representation and am instructed to not leave. XXXX   XXXX XXXX badge # XXXX responds at XXXX on XX/XX/XXXX after being dispatched for a call received from XXXX the owner of XXXX.I awarded all my property and turn over all of XXXX 's. 
Currently Credit acceptance has not been able to get in-touch with XXXX, XXXX has relinquished the title and Credit Acceptance has a  lien on it. I am being held responsible for a car loan and Payment for a Vehicle that XXXX Illegally Has for sale on there website showing inaccurate Mileage. Credit Acceptance is holding me responsible for the payment. XXXX XXXX XXXX is conducting illegal business in many ways, not holding up to do-diligence, and the Active car loan on my Report has cost me thousands and dropped mine and my co-signers Credit score. 
They are in the process of actively attempting to commit fraud by keeping the Financed XXXX $ and resell the vehicle with out proper 10 day notification of sale of the vehicle i currently am responsible for and have legal ownership of, all at my expense. 
As of XX/XX/XXXX I still do not have possession of the vehicle and have lost almost 30 days of work and income because of not having a means of transportation.

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 2018-05-28 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was a tenant of XXXX XXXXXXXX XXXX located in XXXX, TX until XX/XX/2017. During the time that I was moving out, it was in the height of the recovery efforts due to XXXX XXXX. The office hours to the complex were erratic at best and everyone had much on their plate to deal with. I notified the apartment manager of my intent on moving out verbally and she stated that she would handle it. 
A few months after I moved out, I received notification that I was in violation of my lease from a credit company. The credit company stated that the violation was due to not giving notification that I was moving out. They stated I owed {$1000.00} due to the violation. I then requested an investigation from both the credit company and my apartment complex. The credit company stated they did an investigation and were told I did notify the complex I was moving but later recanted the move out which is false. I never recanted. The complex told me that they would investigate and contact me. The contact that I had through the complex never called me back to let me know the outcome. After attempting several times to contact her, she emailed me to let me know I would have to file a complaint through the fair housing to seek recourse. This made no sense to me and questioned her credibility as to the thoroughness of her investigation. 
I feel as if they are reporting that I violated a lease without any credible evidence that I did so. Moreover, the credit recovery agency are harassing me for money that I do not owe them in lieu of the apartment complex. 
I do have emails, phone records and documents to show my attempts to remedy the situation prior to filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I PAID MY MORTGAGE IN THE USUAL FASHION AS ALWAYS ON LINE,,, THIS MONTH FOR SOME REASON ALL PAYMENTS CAME IN TOGETHER AND OCWEN COULDNT GET THEIR PAYMENT..TO AVOID CONFUSION I PUT MONEY IN ANOTHER ACCOUNT OF MY DAUGHTERS AND PAID THRU THAT ACOOUNT ON A TAPED LINE AND THEY SCREWED UP THE PAYMENT BY SUBMITTING IT AS A SAVINGS ACCOUNT NOT A CHECKING ACCOUNT THEY DID NOT INFORM ME UNTIL TODAY THAT THEY MADE THE ERROR AND TRIED TO BLAME ME BUT THEN THEY ADMITTED THEY SUBMITTED IT INCORRECTLY ... THEY TRIED TO GET A LATE FEE FROM ME AND THEN TOLD ME I CANT USE THAT ACCOUNT AS IT WAS MARKED INVALID IN THEIR SYSTEM DUE TO THEIR ERROR..THEY CLAIM IT WILL TAKE A WHILE TO FIX AND IT COULD BE MMARKED AS LATE ON MY CREDIT THET REFUSE TO GIVE ME A TIME FRAME TO FIX THEIR MISTAKE ... THEY HAVE DONE THIS TO ME IN THE PAST

Company response to consumer: Closed with explanation