vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc.
State: MA

Complaint narrative:
Received an offer in the mail to obtain a personal loan from Prosper.com. I went online and filled out the required paperwork as to income verification etc. A couple of days later I received a truth in lending offer stating my loan had been approved at 9.57 %. Within a couple of days my money was in my personal account. This is where the deceit comes in. When I inquired from both Prosper.com and XXXX XXXX in Utah what the amortization schedule was it was like light in the eyes of a deer along the highway. No one wanted nor did they respond to my request. I have yet to receive a detailed break-down of interest vs principal for payments over the life of the loan. I assume that they intend to collect all of the interest payments up front??? Under TILA I should have gotten a much more detailed document prior to the execution of the loan and transfer of capital. Under TILA the Right of Recission must be done within 3 days but what are you walking away from ... ... ..?? There isn't any terms agreed to in writing. If you are a crook then its well thought out. If you are honest you may very well be getting scammed. I have also contacted XXXX XXXX as that is the financial source for Prosper.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX I paid my credit card off in full. {$1400.00} which brought my card to a XXXX balance. I hadnt used the card in over a month. Then suddenly on XX/XX/XXXX Capitol one charges me {$22.00} for an interest fee. No other purchases were made!! Interest on WHAT? A XXXX dollar balance? How can you charge someone interest on XXXX DOLLARS? So I paid them and canceled the card. This is a total scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I noticed that on my account an unauthorized charge of {$150.00} was being sent to someone I didnt know through the app XXXX. I looked at the charge but I didnt know who this was. My information was hacked. I called my bank immediately and told them about this fraudulent charge and they said they would block the charges. I also told XXXX that I dont recognize this user and that my information had been compromised/ fraud. 
XXXX still paid the other person even though I told them it was fraud. I closed my XXXX account, but XXXX is still saying I owe them {$150.00} for chargers I never authorized. I have since change all my passwords because my email was also hacked. I will not be responsible for this charge due to criminals trying to steal money from account users. Shame on XXXX for not protecting their customers and not listeing when I told them in advance this is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Qualey Law Group, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX has yet to refund me for the debt that I have paid me. XXXX XXXX from XXXX XXXX talks crazy and does not return any answers to the debt. I had an attorney by XXXX XXXX XXXX in which could not get documents for months and had the run around game by XXXX XXXX. I have text messages from my attorney stating the issues with XXXX XXXX XXXX XXXX. 
Now XXXX XXXX XXXX XXXX has hired or By XXXX XXXX XXXX to Qualey Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX In which nothing has been done and 2 US Registered Letters have gone out to XXXX XXXX XXXX in regards to the court documents XXXX copy that the money is paid. As to that XXXX XXXX did not give the correct credit as stated by XXXX XXXX XXXX XXXX shows as a credit. 
There has been since XX/XX/XXXX this bill has been paid it is now XX/XX/XXXX and I still show active on this Garnsihment and money is owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
I spoke with company and the debt was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Following are three disputes I have filed with American Express over a service I did not receive. They kept finding in the merchants favor and I would reopen the dispute. After three attempts, Amex 's last decision was that even though the Hotel that I reserved ( XXXX XXXX XXXX dates XX/XX/XXXX - XX/XX/XXXX Itinerary # XXXX, through XXXX ) did not provide me access to my room that the fee is nonrefundable. I provided letters and call logs showing the hotel had a problem where the keys did not work. After 6 times of being locked out and locked between floors within hours of arrival, and rude management who did not care or attempt to fix it, I had no choice but to check out and find other accommodations. I was charged for lodging and the hotel did not provide it. I spent hours in the garage and in the hallway and did not feel safe and that is not what I contracted to purchase. I could not get into the room. Amex is still requiring me to pay for the room. 

Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Ticket/Merchandise not received Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Not available online Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Cancelled Resolution Date : XX/XX/XXXX My cell is XXXX. 

Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
On XXXX XXXX we payed off Title Loan. We had our Boat with trailer and a XXXX XXXX XXXX on Loan. We Received Title back on Boat and Trailer but not on XXXX. I have tried to contact them three times to obtain Title back, to no avail. Once by phone, once by letter and once by E-Mail. Title is suposed to be returned to us i believe after three days, They claimed when we called that DMV was slow and to wait- however we had already received title on Boat and Trailer. Other attempts to rectify have been ignored. it is now 3 plus months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: NY

Complaint narrative:
Experian is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

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 2018-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

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 2018-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: NY

Complaint narrative:
Quality Asset Recovery is listed on my credit report and trying to collect an amount of {$2000.00}, I was not aware of this

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 2018-04-08 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
My highest credit score was XXXX, on XXXX XXXX. I contacted XXXX XXXX XXXX and informed them I wanted to pay the debt off because I wanted to apply for a home loan, needed to improve my credit and possibly start service with them again. Before making the payment, I asked the representative will the Diversified Consultants report be removed from my credit report since I am paying them and they are the original debtor? I also, asked for a letter in writing, however, she informed me she would email me my receipt and that was my proof of paying and that XXXX XXXX would receive proof of payment remove themselves from my credit report completely. I proceeded to pay {$1300.00}, and I received my receipt as promised via email. I called Diversified Consultants and informed them, I'd paid XXXX XXXX XXXX XXXX in full, and asked for deletion of their account on all 3 credit bureau because the balance has bee paid to XXXX XXXX XXXX. Diversified Consultants informed me they do not delete reporting and the account will stay on my report for 7 more years and they will report the debt as {$0.00} paid, closed. My credit score has since dropped down to XXXX, 41 points. I AM NO LONGER ABLE TO APPLY FOR A HOME LOAN! I should have left the debt alone if this was going to happen. This is not just, I paid the debt through XXXX XXXX XXXX, and was LIED to. I want Diversified Consultants removed/deleted from all 3 credit reporting agencies completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08 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: Kashable LLC
State: MO

Complaint narrative:
I am in the process of trying to close on a home and my loan processor informed me that I had an installment loan opened in XX/XX/2017 that showed current with a balance in the amount of {$5300.00}. I paid this off in XX/XX/XXXX. I contacted Kashable LLC and was informed that the pay off wouldnt show until possibly the end of XX/XX/XXXX. I thought all was well. The issue is that Kashable has not reported any of my biweekly payments. {$5300.00} was the original loan balance. I again contacted Kashable and was jnformed that they would try to get me a paid in full letter from the supervisor to provide to my processor. I emailed the same person the next day for an update and didnt get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This incorporation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from Navicent and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws.

Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's. Nelnet has never responded with verification of Debt following those allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX v. XXXX, XXXX, XXXX XXXX XXXX , XXXX, -- - XXXX XXXX -- - ( XXXX Cir. 2014 ), 2014 XXXX   XXXX XXXX XXXX Cir. Mich. 2014 ), 2014 U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
XX/XX/XXXX, we started making extra principal payments due to a car loan being paid off. We either make 2- {$400.00} payments or 1- {$800.00} payment each month. My Mortgage payment is {$900.00} ( {$890.00} ). On XX/XX/XXXX I checked our Mortgage Statement and in XX/XX/XXXX, Nationstar started mixing up my principal payments and mortgage payments. When I make my principal payments, I go thru their system, and check off " make a principal payment '', so clearly there isn't an issue. I called XXXX and explained to him what is going on. He said he would fix it and it would take 24 hours. So since I am trying to keep track of my balance so I can pay off my mortgage early, I checked after my two payments - one Mortgage, one principal were cleared from my bank at the end of XX/XX/XXXX. To my horror, the payments again were mixed up - the {$800.00} payment was marked as Mortgage and my {$900.00} payment was marked as principal. AND now my statements as far back as XX/XX/XXXX are also all messed up. I called again and the lady said the system always takes in the mortgage first ( and according to my bank statement it did ), but their system did not do it the way she said. It got them backwards. Today, XX/XX/XXXX, I tried to make a principal payment and now their system tells me I need to make a mortgage payment first. Which I did and it cleared my bank on XX/XX/XXXX. To say that I am mad, is an understatement. I just made copied of my bank statement, all of the copies of my mortgage payments, all of my copies of my principal statements plus a copy of my mortgage statement showing them of all of the mixups.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
The company overcharged me for a XXXX XXXX XXXX that came with XXXX XXXX  miles and it had alot of electrical problems & they refuse to refinance my vehicle & I couldnt keep up with payments causing them to take the car & they barely worked with me only helped me for one month but was more concerned about me paying them & not my situation due to me losing my job.

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 2018-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
on XX/XX/2017 a $ XXXXwas billed to my credit card account with Barclaycard XXXX. XXXX XXXX DE XXXX from a company called XXXX this transaction was 1- unauthorized 2- the credit card failed to provide me the original sales draft as they indicated in there letter to me dated XX/XX/2017 3- I did not use any service from XXXX 4- I did not authorize XXXX   to charge my account 5- My credit card was stolen and I advised the credit card company to that effect and they sent me a new card but they failed to disallow the unauthorized transaction. 6- I did not singe any document authorizing this transaction 7- this transaction was a clear violation to the terms and condition between me and the credit card company. This transaction was a clear FRAUD that the credit card co. failed to STOP. 8- After I complained to them they credited my account with the disputed charge but after 2 month they charged my account with the same charges again? I am XXXX years old and totally XXXX and the credit card co. discriminating against me to my age and XXXX. please help me. thank you.

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 2018-04-08 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: IL

Complaint narrative:
Chase Freedom card had a 0 % APR balance transfer offer. What they did not make clear in this offer is that any purchases you make per month on top of the balance transfer amount is charged high interest and you don't even get the 30 day interest free period anymore. I don't understand why they would have such a misleading offer. People that avail balance transfer services do it to pay low interest but instead now I'm getting charged monthly interest on an account I never paid interest for because I used to pay my balance off within the 30 day period. They never sent me documentation when I first signed up to explain the offer and are refusing to refund the transfer fees and the unnecessary interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}

Company response to consumer: Closed with explanation