vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: NY

Complaint narrative:
I previously contacted National Recovery Agency to settle the matter of an outstanding collections account. I offered to settle account and representative stated that she would call me back with approval to settle the debt. In the meantime, she recommended that I set up payment plan to avoid any further calls or potential credit bureau reporting. After several days, I contacted the same representative and she stated that she would call me with a settlement resolution. In my communication with the representative she stated that I could settle for approximately {$700.00}. Months later and after paying XXXX towards my balance, I contacted NRA who confirmed that my settle request was approved in XX/XX/2017. They alleged that they tried to reach me but to no avail. If I was still interested in settling account, i could do so by paying 50 % of the remaining balance with is approximately {$400.00}. I stated that I did not receive a call, phone message or letter responding to my initial request and they indicated that it was not their responsibility. I also requested to pull the record of my phone calls and a compliance representative by the name of XXXX XXXX ( XXXX ) tried to deflect and intimidate me by indirectly calling me a liar.

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 2018-05-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had noticed unauthorized hard inquiry on my credit report on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried for the last 2 year to access my Experian credit report. I have been refused access to my report from Experian and when I have contacted Experian directly via phone they advise that I must sign up for services to be able to access my annual report. When I have tried to pull my report both directly from Experian.com and XXXX. On XX/XX/2018 when I called after having the agent first response your issue is due to " YOU DO NOT HAVE ACTIVE SERVICES. IN ORDER TO FIX THIS WE NEED TO SIGN YOU UP FOR SERVICES. '' When I requested to be transfer to the agent manager he disconnected the phone call.

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 2018-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX reported to Experian that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XXXX, XXXX, XXXX and XX/XX/XXXX. For some odd reason, XXXX is past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with Experian on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.

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 2018-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a checking account in JPMorgan Chase. On XX/XX/XXXX I sent a check to my landlord for {$1000.00} for that month 's rent. The check was cashed on XX/XX/XXXX. When I saw on my chase on- line account that my check was cashed as far as I knew my landlord had received the check. The transaction was authorized by a JPMorgan Chase Bank. Due to various differences of payment allocation between myself and my landlord, I was unaware of what really occurred in regard to this transaction until many months later.

What apparently happened was that JPMorgan Chase accepted the check for {$1000.00} even though it was not endorsed. For various reasons which are beyond the scope of this complaint, I only found out from my landlord onXX/XX/XXXX, that my landlord claimed to have never received the check that I sent on XX/XX/XXXX. I told my landlord that the check was cashed but when they asked for a copy of the front and back of the check we discovered that it was not endorsed. 
When I called JPMorgan Chase to see if they can help me find out which bank made the mistake of accepting an unendorsed check and to see if they can help me reclaim it they said they would investigate the matter. They reported back to me after the investigation that the check was either cashed or deposited in a JPMorgan Chase account. The bank representative told me that they know who cashed or deposited the check and that it was a Chase customer. However, since it was beyond the time frame of 6 Months as a bank they are not able to give the information and were also not able to reimburse the money to me.

When I spoke with another JPMorgan Chase representative about the fact that as a bank they are a responsible party for accepting a check that was unendorsed, he reported different information to me. Specifically, his response to me was that my claim was submitted exactly one day past the 365 days they have for such claims. The date for the filing of my claim according to JPMorgan Chase was XX/XX/XXXX. This is the date they use on the denial they sent me. However, they fail to give the reference number of my claim. According to my records I had a number for the claim prior to XX/XX/XXXX. 
Either way JPMorgan has accepted an unendorsed check. They also have the information of the thief. They are refusing to take responsibility for this very basic error on their part, and they are also effectively collaborating with another client of theirs which according to their own admission is a thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX THE CUSTOMER SERVICE DEPARTMENT WOULD NOT HELP AND TAKE CARE OF THE NEGATIVE INQUIRES REPORTING TO MY CREDIT REPORT.

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 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX has been harassing this household since at least last year. They are calling for a family member who does NOT live here or at this number. They call from different phone numbers. They have been told the above information but they still constantly call. They hang up on answering machines. I have pictures of the caller ID to prove this. Here is a sample of there harassing calls. From XXXX on XXXX at XXXX and XXXX. From XXXX on XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. They clearly spoof their numbers most likely to avoid being blocked from one number. I do not know what they are looking to collect or if any debt is valid. There is plenty of negative information on the internet about this companies illegal practices. Threatening and harassing this household is no longer acceptable. They are looking for someone that, again, does not live here, and they have been told that endless times. The calls must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC
State: IN

Complaint narrative:
Misleading Debt settlement notice from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX asks the consumer to contact our offices at XXXX within 10 days of receiving this notice. They assume that you have a outstanding credit balance and use the phrase **Failure to Call ** ominously highlighted in the middle of the page as a scare tactic. If you read past the middle of the page, the fine print explains that the example savings of over 40 % is Based on a single consumer situation who completed the entire program ... results from 2011 and that program fees are separate and not included in the example.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
in XXXX my wife at the time took out what she thought was a federal student loan that turned out to be a private student loan, and i was a cosigner, the loan was for XXXX. in XXXX they closed the account out and sold it to Cavalry Portfolio Services in XXXX, while putting incorrect information on the credit report to keep it from falling off after 7 years. so her and i both had an active account with XXXX ( original creditor ) and with Cavalry, but now the amount is over 50k. these two entries have devastated and continue to devastate my credit scores. In XXXX she represented herself in court against Cavalry, conceded to the collection, admitted ownership and they got a garnishment judgement against her. The problem is, they executed the garnishment against a XXXX XXXXXXXX XXXX account in her name that was closed for years prior to this. 3 years later in XX/XX/XXXX without any fore knowledge my employer contacted me letting me know about a garnishment against me for XXXX for an 11 year old debt that is not even mine, not to mention almost 10 percent interest per year on the balance from XXXX on her garnishment judgment. I was never notified or served about this. I was also told by bankruptcy attorneys this is not dischargeable, and that the judge would not set aside the judgment because it was too late after the court date that i did not know about until 3 years later when there was a 2 year statute of limitations. that They are currently taking out about {$1400.00} per month through this continuous garnishment, when they should be going after her to collect on her debt. Also they added another XXXX to the amount reported the the bureaus 4 days ago out of the blue and don't report any of the amounts they are taking from my checks towards the balance that i should not owe in the first place. This is destroying my family as i am the only paycheck for my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to provided physical verification according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ).

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 2018-05-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I am being sued by one main financial for a title loan that i defaulted on. I have been involved in 2 car acciddnts pastb2 yrs and there for i have had financial hardships. I tried to work with them to lower payments but my medical bills have grown to where i cant afford to pay all my bills let alone XXXX to XXXX a month on a vehicle that i no longer have or is working. They have harrassed me by calling my job when i was still working. It got to the point that i was talked to by my boss about recieving personal calls 3 times a day. I went to court and then tried to contact one main financial to try and solve the issue. The lawyer i n charge of the case wouldnt even talk to me or my brother who is now in charge of my financials because i dont have the XXXX XXXX to handle all the debt that is building up due to my accidents and medical bills. 
They have been incredibly rude and not willing to work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION
State: TX

Complaint narrative:
I have reported Nations Lending Corp of OH for discriminating against my husbands XXXX. The case number is XXXX. They have been ignoring our multiple requests for a reasonable accommodations by sending conversations by text or email, including their investigation. On XX/XX/XXXX we received two letters, post marked on XX/XX/XXXX, detailing that we were denied credit on the same day we reported them to this office ( XX/XX/XXXX ). They are dated to be sent on XX/XX/XXXX, yet are time stamped XXXX on XX/XX/XXXX by XXXX XXXX . They are backdating these denial letters to cover for their discrimination of my husbands XXXX. On his letter they do not even have his credit score on all three reports, even though he has a score on XXXX. My letter has the wrong name, XXXX XXXX, it has XXXX XXXX XXXX and my maiden name of XXXX is used on my social security number and all of my financial records ( taxes, credit card and employment ). How was a credit report done using my social security number and the wrong name? I have checked my credit multiple times and have never seen them at the numbers presented either. We had been approved prior to this and was told during our call with the customer complaint investigator that she saw no reason for our loan to be denied. I must conclude that they are violating my husbands rights and denying our loan due to his XXXX. He has rights under the Americans with XXXX XXXX to have his XXXX respected and not ignored to scam us. Trying to cover this up they have falsified credit documents. These letters are signed by a XXXX XXXX, with just a XXXX and dated for XX/XX/XXXX, even though they are printed on XX/XX/XXXX at XXXX. I feel this company is a scam.

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 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I had tried to resolve issue with original creditor at first. Simply asking for verification of this debt. I never received a response. When I found out that they sold the debt to this new company I asked this third party to validate this debt. In return they only sent me a letter saying there is a debt for {$110.00} that is owed. I called and explained that this was not validating. I resubmitted for debt validation ; never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I am writing to report a violation of my rights by a creditor. XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX has taken {$13000.00} through employee garnishment since XXXX and is continuing to do so. I called the number I was given and spoke with a debt collector from XXXX XXXX XXXX. I asked what debt was. The response was it was from a financial company XXXX XXXX. I continued to inquire if it was a loan or a credit card. I was informed by the debt collector from XXXX XXXX XXXX, Midland has all the information from XXXX XXXX and nothing else is needed. The collector said it was from XXXX but the only credit card I had was already garnished by Midland. There are 3 separate occasions when garnishments from Midland were claimed to be from XXXX XXXX XXXX XXXX. The debt itself was over 15 years old. I could not prove the debt was paid and was told there was nothing I could do about it. I was first garnished for XXXX XXXX XXXX XXXX at the end of XXXX. In XXXX, garnishments began again from XXXX XXXX XXXX XXXX. In XX/XX/XXXX, Midland began garnishing again for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX informed me each time I had to prove the debt had been paid in full. 

My complaint is XXXX XXXX XXXX continue to garnish me for debts I dont have. XXXX XXXX XXXX are unable to provide information regarding these said debts. I am unable to prove the debts the paid due to the age of said debts. 

There is another XXXX XXXX on my credit report I have been trying to get removed for over a year. It is described as a debt to XXXX XXXX. 

My grievance is with XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I contacted the Attorney General who lead me to you. After contacting the AG I was informed of a lawsuit against this group by the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
Debt was settled for XXXX with a previous collection company back in XX/XX/XXXX. Debt was sold to another copy in XX/XX/XXXX, which was reported to the credit bureaus as an outstanding balance of XXXX, collection debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
XXXX XXXX IS VIOLATING THE STATE USURY CAP OF 12 PERCENT AND SECOND XXXX XXXX HAS NO VIRGINIA LICENSES TO DO INTERNET PAYDAY LOAN HERE IN VIRGINIA. THERE IS A LAWSUIT OUT AGAINST THEM FROM THE STATE OF VIRGINIA FROM THE ATTORNEY GENERAL FROM VIRGINIA. I CALLED XXXX XXXX ON THE PHONE ON MONDAY AND I TALKED TO THEM REGARDING MY DISPUTE AND I ASK WHY IS THIS ACCOUNT STILL ON MY CREDIT REPORT SINCE THIS ACCOUNT WAS ILLEGAL PAYDAY LOAN AND THEY WERE NOT AUTHORIZE TO DO OR LEND MONEY HERE IN VIRGINIA AND I WAS TOLD FROM ONE OF  THE REPRESENTIVE ON THE PHONE YES THERE WAS A LAWSUIT FILE AND YES THEY ARE NOT AUTHORIZE TO LEND MONEY IN THE STATE OF VIRGINIA AND THAT I WOULD NEED TO CONTACT THE CREDIT BUREAU ON ANY ISSUE I HAVE WIWTH MY CREDIT REPORT. ONCE AGAIN I CONTACT THE ATTORNEY GENERAL OFFICE HERE IN VIRGINIA AND I WAS TOLD THAT XXXX XXXX IS BEING SUE BY THE STATE IN A LAWSUIT AND I CONTACT XXXX REGARDING MY CREDIT REPORT AND STATE THAT THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT SINCE THIS ACCOUNT IS A ILLEGAL INTERNET PAYDAY LOAN SINCE AT THE TIMW WHEN I TOOK OUT THE LOAN IN XX/XX/XXXX THEY DIDNT HAVE A LICENCE TO DO BUSSINESS IN THE STATE. YES THIS LOAN IS DISCHARGE ON MY CREDIT REPORT AND THIS ACCOUNT IS DUE TO COME OFF MY CREDIT REPORT ON XX/XX/XXXX BUT THIS LOAN SHOULD NOT NE ON THE REPORT AT ALL

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Was having a problem paying house payment because of work and medical and got behind on payments and needed some relief and to lower our payments and keep our house, So we tried to work out something with our lender Chase and they finally said they have worked something out on a modified loan. We were never told it was a 50 year loan never knew you could go over 30 years. they never pointed that out or made us aware that the loan was a 50 years loan. We would have never known if I had not seen that the Haarp program was available and it was running out and I got on line and applied. I was told that it was a 50 year loan. We would have never signed up for a 50 year loan it's disgraceful and what really got me was the Haarp company that got with us told me that it was a 50 year loan and since I was a XXXX Veteran, they could go with a VA loan for 30 years and lower my payment by well over a {$100.00} a month and wondered why didn't Chase do this instead of sneaking a 50 year loan on me and still keep my payments high. I could not answer the question myself and would love to know the answer and Chase never told me I had a 50 year loan and feel that they have taken advantage of me for years, I am a XXXX veteran   and live on a fixed budget and how can I be qualified for a 30 year loan and lower my payment greatly with another company and chase has me on a 50 year loan and a much higher payment. They drug everything out and took forever working their modified loan out and when we were desperate and thought we were going to be put out they hit us with a 50 year loan and never told us, when they could or should have been able to go through the VA and help us out with a 30 year or less loan and lowered our payment. They were not interested in us only how much money they could rip off from us thought there was a fair housing standard and trusted them. I guess this is what the country has come to greedy companies getting bailouts from the government with my taxes and screwing the American homeowners. So tell me how can I get a loan half the term with lower payments with the VA or Haarp program. Theses have been around for years they had the information. A 50 years loan and not telling you in this country that Has to be illegal,

Company response to consumer: Closed with explanation