vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services
State: CA

Complaint narrative:
This letter is response to your correspondence concerning the above referenced account. I moved from the city of XXXX XX/XX/2011 and the account was closed. 

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. I am also disputing the validity of the debt therefore you are prohibited from reporting this on my credit report. 

Therefore, if you choose to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and will take private right of action. I will attempt to recover actual damages, statutory damages, and attorneys fees and costs. 

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Do not contact me any further. 

Any other communication regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and California Senate Bill 233.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IN

Complaint narrative:
Caine and Weiner has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: IN

Complaint narrative:
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
XXXX  has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am unable to get an amortization schedule of my loan online to determine allocation of principle and interest as well as when my loan will be paid off or when the loan will adjust since Im on the graduated payment plan. When I contacted Nelnet, on XX/XX/2018, the customer service rep was unable to locate my disclosures as well and asked to email them to me after they were requested from a different department. I called Nelnet because I noticed my original principle balance was approx $ 38k and now my payoff is approx $ 46k. Ive has my loan with them for about 8 yrs and my loan has increased about $  8k due to interest ; Ive never been late on a payment. At this rate Ill be paying on this loan until Im XXXX yrs old and my interest could easily be half of the original loan balance. I want to refi this loan ; however, Id like to see all my options to ensure Im getting the best rates and payment options. 

I know this is a violation of TILA as my disclosures should be available and accessible to me. I should know how my payments are being allocated and have been allocated as well as future allocation and rate or payment adjustments. Now I have to wait for another department to generate my disclosures. While I wait Ill become distracted with other things until I come back to it, in which theyll already have another payment with additional interest or Ill need to call back to make another request if I dont receive them timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I received a report that changes were made to my report with actions taken by Sears/CBNA modified XX/XX/XXXX with a high credit of {$1500.00} date closed XX/XX/XXXX credit limit {$250.00} which is incorrect credit limit was {$2500.00} Additional information was provided by XXXX  stating consumer disputes reinvestigation in Process account paid for less than full balance. I received an online notification from XXXX  stating dispute was completed and view now ; when I try viewing XXXX sends error message stating report can not be viewed contact them by mail every month since XX/XX/XXXX. 

Sears/CBNA made another update after this XX/XX/XXXX changing account number from beginning of the account to ending numbers to account as an update after dispute reported by XXXX. Every change is reported to 3rd party credit monitoring service.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Credit Acceptance Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2003, I took out a home equity loan because I was told that I had to have this loan in place before I could get an equity line of credit. I ended up getting both loans, an equity loan and an equity line of credit. I have used my line of credit, but not the loan. I have never borrowed any amount from the equity loan. I just learned that equity loans and equity lines of credit are two seperate entities and that I never needed to take out the equity loan. 

I believe that I was scammed into taking out the equity loan and I paid {$73000.00} for a loan that I never used or needed. This transaction was with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. This account was transferred to Wells Fargo when they bought out 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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I had XXXX contact me by mail via a debt collector, about a debt from XX/XX/XXXX, back in XX/XX/XXXX. I  refused to pay the debt because I do not owe it. XXXX bill you a month ahead of time. So the last bill that they send you is the bill for the following month. so they resulted to dealing with it through a debt collector. The previous debt collector kept sending me bills in XX/XX/XXXX.That debt collector was XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX. I disregarded them since I didn't owe the debt. I didn't here anything for a year or so. then on XX/XX/XXXX of this month I received a notice on my account with XXXX XXXX service I have with XXXX that XXXX requested to close the consumer account on my credit record. Then I started receiving phone calls and bills from a debt collector. The name of the company is named EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX. I informed them that I didn't owed the bill and I wasn't paying it. So on XX/XX/XXXX the file a report with the credit agency XXXX. I'm not sure whether thy filed with the other credit bureaus. But anyway the reason for my complaint is that this company is ruining my credit record by filing the report every week. They file the same report for the same bill, three times in three weeks. They filed the same debt on my credit record on the dates of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of this year, XX/XX/XXXX. They also informed me that they are going to continue to file this same report on my credit record every week until the bill is paid. Which will means that my credit will ultimately be ruined, over a bill I don't owe. I don't now what else to do!!! Is this legal? Are they allowed to do this? What can I do? Please help!!! Can they do this, file the same bill more than once on my credit report? Below is attachment of the credit record : Credit Report Alerts XXXX Credit Report SSN Scanning ID Theft Insurance ALERT TYPE COMPANY BUREAU DATE New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} New collection EOS CCA XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Collection {$80.00} Updated tradeline XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX Account closed at consumers request $ USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to Bank of America branch to cash a payroll check drawn on XXXX XXXX. They instructed me to deposit since my account was overdrawn a little bit. I was told the ATM would make some of it available but the funds were deposited into my savings account instead and placed on a verification hold for 14 business days. I believe this is illegal structuring of customer transactions and violating Bank Regulations and Bank Secrecy Act Laws. They are temporary using my funds to earn interest and make loans. This is unfair business practices and they should be fined. Payroll checks are next day availability

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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
USAA Savings Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
on XX/XX/2017 left XXXX XXXX XXXX phone company and paid all my balances since I was a customer for 15yrs with them, I wanted to make sure they would release my phone numbers and be clear on my credit. after 3 months they kept billing me for my monthly service. i called and they failed to credit the amount for services I did not received. i filed a complaint with FTC and did not get results. Now, I am getting constant phone calls, letters from Sunrise Credit services. XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX for the amount of {$410.00} I keep spending time on this dept that is not mine and is ruining my credit. please help

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 2018-05-15 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: NRA Group, LLC
State: NY

Complaint narrative:
on XX/XX/2018 at XXXX XXXX I was called by someone from this company about a debt from an old Electric bill that I had in the past that was included in my XXXX  XXXX. I told the woman that I did not have the attorney phone number or the case number because I was at work but I did however have the name of my attorney. I spelled out the first and last name of the attorney and said if she XXXX the name his address and phone number would come up. The rep then got very rude and said that its not her responsibility, I said ok well I'm at work and I cant search for the phone number or address for you. she then said that I will still receive collection calls until I call back and provide all the information. which I feel is illegal. If I mention that I have an attorney and that I have filed Bankruptcy they shouldn't call me anymore or threaten to.. so then after she said it wasn't her responsibility I told her DO NOT call me again I don't even care about this. she then got snippy and said well we will still call and this will still affect your credit and she hung up on me. I feel like she was very nasty, demanding, condescending, combative and abusive. A telephone bully. I'm Contacting my attorney in regards to this to see what legal rights I have in regards to a potential lawsuit also will be filing a report with the state attorney general and the XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I received a personalized letter from Experian stating to refer my complaint to furnisher directly. There was no report attached with a report no 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 2018-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
We purchased a rug at XXXX XXXX, XXXX XXXX, Florida on XX/XX/XXXX. We were encouraged to make a credit card application to receive an additional discount. After doing so, the rug was not further discounted and we requested that the credit card application be rescinded ( we paid with an existing credit card ). We were told they couldn't do that and we were given a phone number to call at Synchrony Bank, the credit card issuer, to discuss the matter. We called and explained why we did not want the credit card. The representative of the bank concurred and said that they would confirm in a correspondence. All of the above actions took place within a two hour period. We received the correspondence dated XX/XX/XXXX indicating that the credit request was denied. Our regular financial institution has indicated that we have an XXXX out of a potential 850 FICOS rating. We are proud of that and don't want the misrepresentation by XXXX XXXX and inaccurate rationale by Synchrony Bank to have a negative impact. It is our experience that having a credit report corrected is difficult and time consuming. XXXX XXXX says they can do anything and Synchrony Bank make it difficult to communicate with them. Please help..

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 2018-05-15 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: CO

Complaint narrative:
Ever since the security breech, I have not been able to get Equifax to answer my dispute from months ago, and now when I try to login for another dispute, get the same answer that my information doesn't match with their records so email the dispute. The whole report is outdated and does not include many new pieces, like I paid off an auto loan and started a new one, several  accounts have been paid that are still on there. I don't even know where to start anymore! There is no contact information to talk to a human. Please help! For those who have to rely on credit reports ( all consumers, presumably? ) to do anything, I need these people to step up and get corrected or drop out of being a reporting agency at all. I am potentially at risk by not having correct info out there if I want to get a home loan or other credit source. This has been going on far too long! Thank you for any assistance! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi Diamond Preferred Card- Don't do it! 

On XXXX XXXX, XXXX  I called Citi to cancel my credit card account. At that time I made a sizable payment toward the remaining balance on the card, but did not pay in full. On XX/XX/XXXX, the company charged me {$22.00} in interest on the remaining balance ( which was fair ). OnXX/XX/XXXX I paid off the remainder of the card, in full, via online payment. I called Citi to confirm that the account is now settled in full and closed. 

So you can understand why I was very surprised to learn that on XX/XX/XXXX ( amount {$1.00} ) and XX/XX/XXXX ( a " minimum interest charge '' of {$.00} ) were charged to my inactive, paid in full, closed account. 

On XX/XX/XXXX I received a voicemail from Citi stating that was in arrears on my account. When I called Citi back to inquire about the call, I was told that " my account is paid in full and not delinquent, so they don't know why I was called ''. That didn't add up to me, so luckily I did a bit more digging, and upon opening my old account ( which again has been closed for months ) I saw  that the company was still charging me interest. When I called the company back, they defended the policy and told me it is standard operating procedure. 

This should be considered Fraud. It is no different than XXXX XXXX opening up thousands of fake credit card accounts and unknowingly charging interest to unsuspecting customers. 

On it's own, the {$2.00} Citi is saying I owe may not seem like much. But the fact of the matter is, if they are doing this to me, they are doing this to customers all over the world and making a killing on the backs of it's customers who believe they have closed an account in good faith. ( what is there to charge interest on?! The account is closed, unable to be used and paid in full! ). 

Buyer Beware.

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