vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Tonight I called XXXX XXXX XXXX and attempted to pay off the remainder of my loan. 

I was told I can not pay it off for another 14 days till proof of my last payment ( posted XX/XX/XXXX ) shows in your system. 

I borrowed a total of {$2500.00} on XX/XX/2018 at an interest rate of 251.70 % To date, I have paid a total of {$3700.00} to XXXX XXXX XXXX for the borrowed amount. That is {$1100.00} in interest already paid. 

I was told tonight my payoff amount would be {$2100.00}, but I would be unable to make the payment till the end of the month per your system. 

That means another {$520.00} in interest will be charged before I can pay off my account. 

By that time, a total of {$4200.00} will have been paid. With the " payoff '' amount offered tonight, the total would be {$6300.00}. 

This is extremely insulting, unprofessional, and predatory. I just lost a huge part of my wages as my work has been greatly scaled back and I am in a very bad financial position. I was hoping to pay off the account early with some money I was able to save. Unfortunately XXXX XXXX XXXX is holding me hostage in order to collect two more payments of interest before I can pay off my loan. 

It is evident that the plan of action here all along is to string me along till the end of XXXX. 

It is extremely unfair to me. I have already paid XXXX XXXX XXXX {$1100.00} in interest since XXXX and I cant payoff the loan till more interest payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Titan Receivables, Inc.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: BTH Management
State: CA

Complaint narrative:
Creditor Information XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to get my free credit report from Equifax online and was denied, stating they could not confirm my identity.

Then I ordered one via automated phone using my phone that was on file. After one month no report came.

Then I called the company and they said I would need to fill out a paper form from their website so I did and sent it in four weeks ago and still no report has come.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you for help regarding my Credit Report with EQUIFAX. I am launching a complaint due to the fact that Equifax is not adhering to the FCRA Rules and Guidelines. Their reporting is inaccurate. They are reporting inaccurate information from data furnishers. They are not even trying to investigate the inaccuracies, and this is unfair to the consumer ( me ). I had a XXXX XXXX and XXXX and was hospitalize. During this time, I was staying with other people and my belongings were thrown in the trash by mistake, I was told. There are accounts reporting on my credit report that I know are not mine. Ive reported ID Theft and disputed accounts with all three Bureaus. XXXX and XXXX both have blocked and/or deleted accounts after their investigation. How is it that Equifax is coming up with a very different outcome? I have spoken with a few of the data furnishers and was told that its not coming from their end. I am asking for Equifax to now prove to me how they are investigating and their evidence that these accounts are mine. I want this proof for when I file suit in court for punitive damages and whatever else I can sue for. Right now, I am recovering and trying to find a job. With my current Credit History, I dont qualify with the type of job I can do at my age and with my health issues. The accounts in dispute are : XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, and XXXX. These accounts were opened around the same time ( XXXX ). I have tried to dispute this myself in XX/XX/XXXX, and I have paid for help from 2 other companies ; in XXXX and XXXXXX/XX/XXXX. Thank you in advance for any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account was not open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a notice in the mail from XXXX XXXX to collect a debt on behalf of XXXX XXXX XXXX for Homeowner Insurance in the amount of {$710.00} for coverage from XX/XX/2018 thru XX/XX/2018. However I do not owe XXXX as I had insurance with XXXX  from XX/XX/2018 to current date ( XX/XX/2018 ). I provide XXXX XXXX the notice I received from XXXX along with the email that I sent XXXX Agent XXXX, and a copy of my insurance police. The reason why I sent this information is because the Notice I received from XXXX  stated under IMPORTANT PLEASE READ : You may not owe any earned premium if there was other insurance coverage during this time period. If you had other insurance coverage, please provide proof of coverage to your XXXX agent. Not only that before this even went on my credit or to the debt collection agency I sent the required information to the XXXX Agent to remove the balance. Instead of XXXX XXXX reading the notice, XXXX XXXX sent me back the same information I sent them. This needs to be removed off my credit and debt needs to be cleared as it is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I received a call at approximately XXXX MST from XXXX XXXX this is after a call was made earlier in the day at approximately XXXX MST. I advised the company at that time I would not be able to make any kind of arrangements but fully understand collection efforts would continue. My issue is receiving the second call in the same day and the representative XXXX saying she in fact noticed a call was already made without confirming who I was. I feel this is very harassing and hope to take this as far as I need to make sure it doesnt happen again.

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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I've been working for the XXXX  XXXX  since XX/XX/2005. I just found out after years of paying my student loans that I had the wrong type of loan and am not eligible for forgiveness. I had FFEL loans, and I had no notification that it had to be a direct loan. A federal loan is a federal loan. So now I've almost made 120 payments and don't qualify. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
experian is not following the processes and proceddures it has established for lifting a security freeze. i attempted to lift it online using my pin. i keep getting an error message telling me i have to submit my request in writing. 

i submitted my request in writing. 30 days later it is still in place. 

i attempted again to lift it online and i got the same error message. EVEN THOUGH I ENTERED MY PIN. 

i located my pin letter from experian from 10 years ago. i called the toll free number on that letter and the voicemail system doesn't even list credit freeze as one of the topics. Experian doesn't list a contact number on their website to contact them regarding a freeze problem Experian is not following the law as set forth by congress and making credit freeze and thaw available. 

NOTE : the file attached was printed signed and mailed in XXXX XXXX XXXX

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 2018-12-11 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: Innovis
State: MO

Complaint narrative:
XXXX  credit report I have 5 hard inquires from the same company Cbcinnovis/XXXX, PA XXXX. I did not give consent for these inquiries. Hard inquiry dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Nelnet, Inc.
State: NC

Complaint narrative:
For years I have been trying to get NELNET to apply additional payments. Recently I resorted to sending the additional payment in seperately and denoting on the check that the payment is to go towards the principal. They continue to refuse to post the payment towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: NAM National Arbitration and Mediation
State: NV

Complaint narrative:
They keep calling repeatedly saying they have a legal document and civil complaint against me. They are calling from XXXX. When I call back no one answers.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. 

On XX/XX/2018 I called because I was unable to view my account online. 

When I called the women informed me that I was delinquent. 

When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. 

This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access.

When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. 

I was told that I need to pay an extra payment to now bring my account current. 

This appears to be both unfair and deceptive lending practices to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The term of the loan was 72 months and this company changed it to 73 months plus add late fees and interest at the end of the loan. when i asked them about these charges, a representative XXXX told me that it was because I changed the payment date twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: NY

Complaint narrative:
TransUnion, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************TransUnion-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX/XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX/XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX COMPANY # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX  CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY TRANSUNION AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX/XXXX, AND XXXX XXXX XXXX. THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA.

**********************************XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX credit file. If XXXX can not or chooses not to conduct an investigation of the same ( 3 )  accounts that are being reported by XXXX and TransUnion, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a contract after filing an identity thief claim on XX/XX/XXXX after reviewing my credit report and seeing an account I did not authorize. I informed the credit bureaus and the third party account holder that the account was not mine. I sent them the police report and a day later they informed me the account was mine and that I was responsible. I re-informed the third party account holder that the very contract they sent me as proof was not signed by me and that their sources singed it and illegally printed my signature on the document. That amount of this debt XXXX   The assignor was Automobile client file no.XXXX XXXX   ACCOUNT : XXXX. Date assigned XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 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: DISCOVER BANK
State: PA

Complaint narrative:
Web site is inaccurate. Does not reflect principal payments once a payment has been made. I've talked with Support on the phone at least 3 times to correct the problem. 

On the web site it only shows the interest paid, but neglects to show the principal. 

For example, I make a payment of {$300.00} a month. About {$35.00} is interest, but the remaining {$260.00} does not show as payment to the principal. This has been occurring for at least 4 months since Discover Student loans took it over. Had no problems when it was managed by XXXX XXXX. 

I am very concerned that I am not getting my correct balance allocated towards my principal because of this ongoing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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:
Please see my previous complaint regarding XXXX reporting my balance incorrectly with XXXX. They responded saying they updated the balance, however, I received a notification from XXXX  last week that they reported the account as closed. I submitt4d a new CFPB complaint and today I received another email from TransUnion saying XXXX reported the account as closed. Please report the account correctly with TransUnion and please be careful not to change the status at the other bureaus. The account should be reported as Open, pays as agreed.

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 2018-12-11 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
Creditor Information AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over XXXX days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I spoke to Bank of America Regulatory Representative XXXX on XX/XX/2018 at XXXX XXXX. At that time I was advised that Bank of America would be removing the reported trade lines from the XXXX XXXX XXXX  and XXXX  XXXX I clearly asked how long this process would take and was informed that it would be removed within 48 hours but to wait at least a week. I was also informed that I would be receiving a letter to that effect as well. Pursuant to XXXX confirmation I attempted to open on an account on XX/XX/2018 with a local branch and was allowed a second chance checking account. However, the following day I was contacted by the bank and advised that my account would be closed by XX/XX/2018 due to information that was reported on the XXXX XXXX XXXX. When I asked this banking institution why my account was being closed when it was initially approved, I was told that they perform an additional search beyond 30 days for information reported to the XXXX XXXX XXXX. 
So once again I have received incorrect information and now I have a direct deposit tied up with this banking institution because of this reporting. I simply want this information REMOVED from the XXXX XXXX XXXX as was agreed. I know I am only a small customer but Bank of Americas customer service is ridiculous and needs to be addressed by someone. I dont want to seek legal remedies but this maybe the only route as to let Bank of America stop taking advantage of people. 
PLEASE REMOVE ALL NEGATIVE INFORMATION FROM THE XXXX XXXX XXXX  AND XXXX AS YOU AGREED TO DO!!!

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