vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to file a complaint about an affiliate website with Chase, XXXX, and XXXX XXXX about their misleading information for the benefits of credit cards. 

I read an article on the site stating that I can get 33 free nights after I applied for the Chase IHG credit card. However, I found that the bonus was actually XXXX points, which were only enough to redeem for 4-5 free nights, far less than the 33 nights as they stated. The website has a bunch of articles like this. 

What concerns me is they are using misleading advertising in XXXX, and sending the users to the application pages in English. Some people may not read the English terms carefully and get the wrong information before they apply. I hope the banks and their affiliate can remove all misleading advertising. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for  all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
Enhanced Recovery Company is falsely reporting the original date of delinquency for this bill as XXXX. XXXX refused to correct this when disputed in both XXXX and XXXX. The original date of delinquency was actually in XXXX, and should have fallen off of my credit report by now per Section 516.120 Revised Statutes of Missouri. I have images of the last payment date as noted on my XXXX account, and the following warning email saying that it would be sent to collections. No payment was made after the last payment date represented in these images XXXX XX/XX/XXXX XXXX. The images captured were taken from my XXXX account and XXXX account on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NC

Complaint narrative:
XXXX XXXX XXXX shows incorrect information on my credit report being reported by Transunion. Information does not belong to me and is due to possible fraudulent mishandling of my personal data. Have disputed this with both the debt collection agency within 30 days of knowing as well as with Transunion. Information still remains. I ask this be updated accordingly.

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 2020-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp.
State: IN

Complaint narrative:
Good morning, I was so happy about paying off my {$24000.00} loan at Toyota Finance. I called them up about paying my loan off online. I was told BY Toyota that it would be quicker for me to send them a Cashier 's check- overnight it to them- and my payoff would happen immediately. Well, that was a lie, unfortunately. They received the XXXX XXXX Wednesday at XXXX and it has supposedly disappeared. They have no record of it at all. I have called several times and no one will put me through to a supervisor. They said they can't help me till the payment posts and I'm out of luck. I don't know what to do? They have been AWFUL about the whole situation. And they said I would have to keep making the payments on a car that I have sent a large cashier check for that would pay it off. Can you help me, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I been writing about this inquiry to be removed nownits wxpired and it's still there it's past the two year mark

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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I was never notified that my the APR used for my credit card charges was increased. I kept on using the card thinking I still had the 14.49 % interest rate I had when I opened the card. It was only when I looked on the later pages of the card statement that my new purchases were being charged a higher interest rate. I asked for a reconsideration or lowering of the rate given that the national average was below the 20.49 % I was being charged with but I was told no and my account was being 'evaluated periodically '. Sure it is. Mainly to raise my rate after I have been paying my account on time since XXXX. 


Because I was wanting to pay down the balance on the higher interest rate, I asked twice through chat how my payments were applied toward my balances on the different APR tiers on my account ( I have three APR rates with three different balances ). I was told both times that it was applied first to my higher interest rate balance. Seeing that that wasn't the case, I asked the representative I opened the second chat with how my payments were applied to the balance that was subject to interest because it wasn't adding up for me. Representative couldn't explain so opened up a 'dispute '. 


An 'explanation ' letter was given which basically told me to look at the same statements that weren't adding up. 


" For your clarification and reference, we have sent you, under separate cover, copies of your XX/XX/XXXX through XX/XX/XXXX statements. 

Please be advised that payment ( s ) up to minimum amount due are applied to balances on the lower Annual Percentage rate ( APR ) portion and the remaining payment ( s ) will be applied towards the balances on the higher APR portion and then to lower APR portion. '' This time, I called customer service. I asked one more time are my payments being applied toward my higher APR balance. Once again, the representative answered yes. I asked the representative to read the letter that was sent to me. She then backtracked and said no, it's not applied to the higher interest rate. So I asked again how the balance that is subject to interest was computed. She said no one can answer you. I said you don't have an accounting department that can tell me how the balances are computed, she said no, we don't have an accounting department. What, Amex pulls figures out of thin air? She said no one can help you with that. What??? I'm just supposed to take the figures that are given to me and say ok that's right without knowing how the figures were computed?? She said it all adds up and then when I did try to get her to tell me how it adds up, she said I can't explain it to you, I'll open another dispute for you. So I can get the same generic letter? No thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MO

Complaint narrative:
I was dual tracked and lost my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Since XX/XX/XXXX, Navient Corporation has stopped sending monthly billing statements for three ( 3 ) student loans that my step-son received in XXXX. There are three ( 3 ) loans involved - I am the Co-signer of one ( 1 ) of the loans, and my wife is the Co-signer of the other two ( 2 ). 

We had been receiving billing statements up until XX/XX/XXXX. When we did not receive a billing statement the following month ( XXXX ), we called them on XX/XX/XXXX. The customer service reps ( XXXX XXXX XXXX ) we talked to said the company is not allowed to send billing statements now because of a " pending law suit ''. However, they would be able to take a payment over the phone - which we did by EBT. 

Each of the following months - XXXX, XXXX, & XXXX we failed to receive a monthly billing statement and again called the company ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ). Each time we were able to talk with the same person ( XXXX ) and given the same answer as in XXXX. We also made a payment on each of the accounts by EBT for each of those months. 

We did not receive a billing statement again in XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX we called again requesting a status of the account and a billing statement. This time we talked with a person by the name of 'XXXX ' who told us the same story as in previous months that they aren't sending billing statements. We also asked what the current interest rates were on the loans ; the current Unpaid Principal ; and Unpaid Interest & Fees. 'XXXX  ' said that information wasn't available. 

The bottom line is that the loan servicing company ( Navient ) is failing to provide billing statements - either automatically or when requested to either the borrower ( my step-son ) or the Co-signers ( myself and my wife ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a XXXX on XXXX XXXX orders since XX/XX/2019, and I fall under XXXX and I called USAA about reducing my interest rate to 6 % and was that effective XX/XX/2019 that they do not do that anymore and that was just a program offered by USAA. I told them that was a law and they said they do not follow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal keeps closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered as the order was cancelled. Paypal has not shown any response from the merchant. Paypal is essentially allowing the merchant to keep my money while delivering no products, and PayPal is providing no response to me ( the consumer ) as to why this is happening - despite guaranteeing a refund to me via telephone on XX/XX/2020. 
Case details Seller information XXXX XXXX XXXX 
XXXX Transaction amount {$130.00} USD Transaction ID XXXX Invoice ID XXXX Date reported XX/XX/2020 Your notes XXXX XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
Your responses Date added XX/XX/2020 Your notes Why does PayPal keep closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered, and I do not want to do business with this merchant for all the aforementioned reasons? You have not showed any response from the merchant. The merchant is essentially keeping my money and delivering no products. If PayPal can not resolve this immediately, I am going to have my attorney get involved and I will be filing a CFPB complaint against PayPal. 
Date added XX/XX/2020 Your notes Please see the three attachments and contact me directly if you have any questions. I received no notice when you closed the dispute and I dont see  any response from the seller. I did not receive anything from the seller and I deserve a full refund, as I do not want to purchase illegal counterfeit items. 
File XXXX XXXX XXXX Your conversation with the seller You XXXX  XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
XX/XX/2020 at XXXX XXXX  PST

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 2020-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loans were handled through XXXX until I submitted the request for public student loan forgiveness for social workers in XXXX. In summer XXXX, my loans were transferred to FedLoan Servicing. At that time, they informed me that they will need a few months to sort out my number of payments from XXXX to give me an accurate number of student loan payments made toward the required XXXX. After a few months, I contacted them again and each person I spoke to did not give me any information, stating it was still under investigation. Finally after they were investigating for a year ( so in summer XXXX ) I was adamant for answers and was told it was not counting my loans from all the years prior because I was delinquent in my XXXX loans supposedly and behind on payments. Obviously I panicked because I was never behind ever so I contacted XXXX who sent me documents proving I was not behind on payments ever and I sent them to FedLoan. However, they still refuse to give me additional information, still refuse to count my years of payments toward the loan forgiveness, and overall are poor at communicating and helping. They claim that I made only 10 payments when I have made payments every month since XX/XX/XXXX, meaning at least 48 payments. They are taking advantage of people and their privilege to be the company designated for student loan forgiveness programs and Ive had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I applied for a {$50000.00} mortgage to buy a {$260000.00} home about 90 days in advance of closing on XX/XX/XXXX. From the very start I was asked to upload my taxes, print and sign a myriad of documents, prove my retirement income and social security, and to upload 2 months of transactions from my local bank accounts. I do my taxes on paper, not software. I offered to send copies. No good. I couldnt print. I asked for the documents to be sent to me, I would sign and return. No good. Navy Federal Credit Union has been receiving my military retirement pay every month since XXXX, and my social security pay every month since XXXX. No good. I had recently cashed in two certificates of deposit ( issued by Navy Federal ) in the  amount of nearly {$55000.00}, and had received over {$180000.00} in proceeds from the sale of my home, a copy of the signed settlement statement being provided to NFCUa total of $ XXXXmore than adequate to cover my down payment. Again no good. As it turned out, I was 4 business days from closing without an approved mortgage, and was asked to show 2 months of transactions from my local bank accounts, even though I had already proven I had the funds. I ended up paying cash. I was a member of NFCU for 40 years. Was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: IL

Complaint narrative:
well i didnt realize after making payments to the loan it seems even making payments the finance charges are high almost like 300 $ after 2 weeks its frustrating

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 2020-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have an account XXXX  on my credit report which was paid of leaving the balance under {$50.00} I sent proof and it was deleted Now with no warning it has been added with out any notification back on my report which is not by the rules Here are the copies of it being deleted by transunion by cpfb last complaint now it's back

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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I helped my parents buy tires for their car when my father was ill. The tires came with {$100.00} rebate. My mother received the rebate in the form of a prepaid MYPREPAIDCENTER VISA card. My father soon passed after the card was received, and my mother gave me the card. I couldn't deal with it immediately, and put it in a pile of papers with my parent 's stuff. I found the card in XXXX of 2019, not realizing there was a expiration date on the card. I attempted to use the card at XXXX  on XX/XX/XXXX, the card was declined. I called and it said their was {$100.00} on the card, but soon realized the card expired on XX/XX/2019, the day before my attempt to use it. I called Prepaid XXXX number and somehow was able to get a " live '' representative. I explained in detail my situation, I even got my mother on the phone, to explain why I had the card in her name. He told me that they have to review the case, and they would get back to me in 7-10 business days, and that I might have to pay a small replacement card fee, and I said that was fine. 10 business days have more than passed, and no one has ever called me back. I gave them my cell phone number and address, with my work I can't always answer my phone, but never received any response. I have tried to call the only number they provide on their website and card, but it is only fully auto response, and tried every menu, and can not get a person to talk to. This is the case number the rep provided me when I called on XX/XX/XXXX - XXXX. I understand that the card expired, but I am hoping the funds are still available, either way, I am just hoping to get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX  are showing my old child support account that first went delinquent back in XX/XX/2010. I have called them and told them this is an old account but they keep telling me that the account is only showing as delinquent for the prior month. I dont know if they keep removing the previous years and re-adding it or what. The debt is over 7 years old and should be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I applied for a loan modification back in XX/XX/2019 due to my loan not being written correctly and the title company never paid my insurance so I had a forced insurance without notice and my payment increased .The mortgage company keeps telling me they haven't received proper documentation, when I keep resubmitting the same information by fax and email over three times.The mortgage company is delaying the loan modification process.I have proof of submitting the information requested.Please someone help me.My name is XXXX XXXX and I have Cross Country Mortgage as my servicer.I agreed to a payment of XXXX per month then my payment increased to XXXX per month due to title companies negligence.No one is trying to correct the problem and my mortgage become very unaffordable.Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group
State: MD

Complaint narrative:
I discovered fraudulent charges on my credit card around XX/XX/XXXX. They were apparently for a cell phone lease from a company called XXXX XXXX XXXX, which I have never heard of and certainly never done any business with. I reported the fraud to my credit card company who invalidated the charge and issued me a new credit card. Much later, in XX/XX/XXXX, I received notification by mail from Superlative RM, a debt collection agency. Even though I had reported the charge as fraudulent to my credit card company, and its not a debt that I owe, Superlative RM was attempting to collect this debt from me in the amount of {$1100.00}. I replied immediately by mail, telling Superlative RM that I dispute the debt and demanding to see a copy of the judgement against me and any documents related to that judgement, including the name and address of the original creditor. Superlative responded with a letter dated XX/XX/XXXX that showed details from the original purchase through XXXX XXXX XXXX. It revealed that the criminal who made the charges used my name and address, along with an email address Ive never seen before. The IP address associated with the transaction originated in XXXX, NY whereas I live in XXXX XXXX, MD.

Company response to consumer: Closed with explanation