vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The debt shows dispute resolved and {$0.00} due and and account not disputed - their information is not consistent. Who really handles the records to clear the issue? 

XXXX XXXX XXXX/Chargeoff {$780.00} Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Collection Credit limit N/A Account disputed No Amount past due {$0.00} Remarks Dispute resolved ; customer disagrees

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I was told by a bank that I can't open a bank account due to money owed to TD Bank in NY. I called TD bank on approx. XX/XX/XXXX and was advised that amount owed is {$370.00} and if I paid {$200.00} within 30 days it would be marked as paid in full and I would be removed from the " blacklist '' that is holding me back from opening any bank account through out the banking system. On XX/XX/XXXX my sister walked into a bank branch and paid the {$200.00} which I have a reciept for. On XX/XX/XXXX I called wondering where my paid in Satisfaction letter is and why I haven't been removed from the " blacklist '' since I was told by a bank that I still can't open an account. I was told by Recovery Department that they made a mistake and didn't mark it as paid in satisfaction and that he would mark it as paid nd request chexit system to be updated so I can open an account. On XX/XX/XXXX I called back requesting a update for a letter. The guy said a request has been made and I should've gotten a letter from the branch where I opened an account. He said he would put another request in. I called the branch today XX/XX/XXXX and the branch said I'm not getting a letter cause I still owe {$170.00}. At this point I'm furious cause there obviously not caring or know what there doing. I again called Corporate TD bank again and they said no request has been put in to update the chexit system " blacklist ''. But according to corporate it's paid in full. I asked them to call the branch to let them know and he refused. He said they don't do that. So as of today I can't open a bank account to do business, the branch isn't on the same page as the recovery department of TD bank corporate,  and it's very obvious that they don't care even though I gave them there money and have been extreamly patient. Also I was advised today that no one in recovery made any notes to update the chexit system or " blacklist '' system. PLEASE HELP ME!!! I can't open any bank account to do business. ThANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Debt went to collections in XX/XX/XXXX and they have it as being opened in XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Wrote a letter to American Express explaining I was victim of identity theft, fraud and being scammed. The executive office reached out to me and told me not to worry they would investigate the mater and get it resolved for me. Today I discovered they sent all my accounts to XXXX XXXX for a debt collection. I informed XXXX XXXX to cease and desist contacting me or family or friends. Send all correspondence by mail. Additionally, there was fraud on my American Express accounts and I am gathering a police report to file. American Express failed to resolve the fraud and instead sent it to collection and shut my cards off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
According to the closing documents, the PMI payment was not included in the escrow account, and was to be paid out of the regular monthly payment. After the mortgage was sold to another servicer, the new servicer started paying the PMI out of escrow, great reaching the amount in escrow, which is to pay for property taxes and home owners insurance. I have made all my payments on time until the change is the escrow account, and I have talked with the loan servicing company, and the representative I talked ( XXXX at LoanCare ) to agreed that the problem was on their side, and that an escrow analyst would call me back. That was 10 days ago, and since then, I have been repeatedly be getting automated calls to call LoanCare. They have not resolved the problem, and it is very difficult to talk to anyone who can actually resolve the issue. Because of the issue, LoanCare has been reporting to credit agencies that I am 30, 60 or 90 days behind on the loan, which a significantly downgraded my credit ratings.

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 2018-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
For three months now I have had to call XXXX XXXX XXXX XXXX because they had a late fee on my account that wasn't accurate. After speaking with them it was determined that because I was paying on the XX/XX/XXXX of the month, it was too early and the payment wasn't being applied to the bill, I worked out with the company that they would apply the payment that was early, that the late fee would be removed and the billing cycle was to be adjusted to allow a payment on the first. Well a month went by and i got another bill, same problem, nothing was done to fix the problem. So i called again and spoke to a supervisor, they ensured and promised me that the problem would be resolved, that the late fee would be removed and the due to the way that everything rolled that I did not have to make a payment in febuary because I was ahead due to the early payment, I followed their instructions, here we are again, another bill with a missed payment because they gave me bad information, failed to follow through on their promises and failed to accurately resolve the issue in the beginning, on the second occasion, on the third occasion, and now I am not dealing with them any more, I need this company reprimanded for 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 monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: VA

Complaint narrative:
I bought 2 mattresses with the cover from XXXX XXXX in XX/XX/2017. They offered me to finance and breakdown my payments twice every month. They didn't tell me anything about the finance company or their interest rate or any terms and condition. After I gave them my bank information they cut {$40.00} bucks from my account which they didn't tell me about. When i called the credit company they said it was for the application fee. Because of that my account was overdraft and I had to pay extra XXXX dollar for it. I also return one of the mattress box back. They supposed to give me the credit for it which i never got. Also i wanted to return one of the mattress cover. But they refused to take it because they can not mess up their inventory. I contacted the customer service of mattress house they asked me to contact the area manager. But after i called him, he never answer the phone or replied to voice mail. however, my concern is now that I already paid more then what I borrow from the credit company. But still they show that I have payments to make because after the no interest time they charged me for the interest. Which they never told me about or I could see how much they are charging me. I have contacted to them many time but they are always denied me. I couldn't even see how much i paid so far. After a long time calling them over and over they fixed me a account so that I could see my account activities. I borrowed {$1300.00} dollars from them. I already paid {$1600.00} till today. They still saying i have {$410.00} dollar left to pay. This is too much for a mattress to begin with and does not make any sense to pay triple for a mattress. Which is also not a good quality or helping me in my need. I can't even return it because they are not willing to take it. Even though the receipt said I can return it in one year or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Someone was able to set up a new account with my information, which baffles me because I had a debt with another carrier that would not allow me to even set up another line of service on my already active account. How this is possible, to set up another account with my information. And the other thing that gets me, is that I am an employee for XXXX XXXX XXXX as well. Which is another oddity to this whole thing. I'm more perturbed by the fact this happened to one of their own employee 's. I would like to dispute this claim from my record, since I would never dream to open up a completely different account when I have a perfectly good one, that I am also very content with. 

The amount that I supposedly owe is {$820.00}.

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 2018-02-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
I attended XXXX College and majored in the XXXX XXXX program. I talked to the representative and after committing to the program I found out they misrepresented themselves tell me that the classes would help me in my career and also that I could transfer to a four year university after completing this course. I found out shorting that wasn't true and that their courses don't meet state requirements. I shortly contacted them and let them know that their program wasn't transferable and that I was no longer interested in the program. XXXX College continue to debit money from my account and I had to end up closing my account to stop them. I then tried to apply for a auto loan and was denied because they reported to the credit bureau that I owe them XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MS

Complaint narrative:
I refinanced my mortgage loan ( 1st lien HELOC ) with XXXX XXXX. XXXX was wired a payoff on XX/XX/XXXX. The payoff they received was good through XX/XX/XXXX so XXXX was paid the complete principal balance and more in interest than was due. Additionally, the new mortgage company sent a letter which I signed noting I wanted the account terminated. 

On XX/XX/XXXX XXXX drafted the regular monthly payment on my loan which was already fully paid off. This caused an overdraft charge on my checking account of {$36.00}. When I saw the payment draft on my account in a pending status I contacted XXXX and was told they could not cancel the ach payment and I would receive the amount I overpaid in 10 business days as they have to make sure the wire is good. I was told the ACH agreement I signed to have the monthly payment drafted noted that I need to cancel any future payments at least 3 business days in advance. I dug out the ACH agreement and this was a true statement from BSI. This wasn't noted on the payoff statement from XXXX. 

I called a second time a few days later and was told they have never received the signed termination letter and would need to send it a second time. I was also told that it would now be 14 business days before they would know if the ach payment was good. Additionally I was told they would charge me interest until they received the signed termination letter. I have a negative balance as they drafted a payment that wasn't due and they indicated they would charge me interest on a negative balance. 

I emailed a copy of the payoff statement which was signed by me on XX/XX/XXXX when the loan closed and a copy the new mortgage company created both indicating the HELOC needs to be terminated and the lien released. I've called and left a message to make sure they got the emails ( I did get an email delivery receipt ) but nobody has returned my call. 

I feel that XXXX XXXX is purposely ignoring my overpayment and extending the time it takes to refund the overpayment. I believe this is a violation of UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
Mr. Cooper mortgage ( formerly Nationstar Mortgage ) increased my mortgage bill for apparently no reason. I contacted them asking why they increased the bill. They said I had missed an escrow payment. However, I did not. I have made every single payment well in advance and for the exact amount indicated on the bill, every time.

They failed to remediate the situation and have evidently just stolen the amount from me ( in the form of increased monthly billing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From Ally financial and XXXX XXXX both on XX/XX/18.

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 2018-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
I received a phone call yesterday. It said ...

" Hello, this is XXXX. This message is regarding our location and tracing for " XXXX XXXX XXXX XXXX  '' dial zero now to speak with a representative or call XXXX. It is important that we speak with you in regards to the whereabouts. If we can not verify this information through you, the law allows us to contact all references on file.

If you are unable to provide any information please contact us regardless at XXXX. Thank you ''. I called and was told that they were collecting a bill. They said they were from FMR or Forward Movement Recovery. They called my new husband 's cell phone twice yesterday and left the exact same message there as well. He was NEVER listed as any type of reference for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: IL

Complaint narrative:
My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MS

Complaint narrative:
I received a notice of collection from a XXXX XXXX, and called to agency to dispute the validity of the debt. I advised the agency of the inaccurate information they were attempting to collect on. I advised the agency the information obtained from the creditor XXXX was invalid and to not report on my credit file until they could prove validity and accuracy of the information being collected. The debt collection agency never proved validity of the account to me either on the call nor in writing. XXXX XXXX has began to report and attempt to collect on an account that was verbally disputed. I contacted the creditor and was advised the agency - Convergent should not have reported anything to the credit bureaus due to arraignments set with XXXX. This agency is participating in unethical and unprofessional debt collection practices and is in violation of the FCRA.

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 2018-02-24 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: U.S. BANCORP
State: FL

Complaint narrative:
I see 2 credit inquiries on XXXX XXXX that are not mine or were done without my knowledge. From XXXX   XXXX and US Bank both on XX/XX/18.

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