vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Company, Inc.
State: GA

Complaint narrative:
On XX/XX/10, I checked my online account for a payoff amount, which it indicated an amount of {$840.00}. I paid the full amount due and owing on XX/XX/10 in the amount of {$840.00}, which was the listed payoff amount. The following month, I received a billing statement asking for {$8.00} in interest that posted to the account on XX/XX/10 ; the same date of my payoff. I called the company to advise this was an error and they claimed it was per diem interest charged for each day following the previous month 's statement date. This statement is contrary to the system annotation received and to what is listed on the statement itself. Per the statement, this interest was billed after the payoff and subject to the full balance, which is misleading per the least sophisticated consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There is a overdraft protection credit account attached to my wife 's checking account. In mid 2016 the account was at a balance of around {$700.00}. As of today the account is at {$2200.00}. I paid the account off and closed it in-order to stop what Citizens Bank was doing with this account. 
From what I can gather this account was accruing interest and my guess is that rather then send a statement for this account Citizens Bank just keeps hitting the checking accounts balance which if at 0 then this will continually keep bouncing and the credit balance increases. 
I have 2 credit cards from Citizens Bank and always receive a credit card statement monthly, even if its at a zero balance. I don't think it is fair for Citizens Bank to allow this account to just keep going up without a delinquency letter or any type of separate notification. 
I want potential customers to know about how this works and beware of the dangers of this type of account that does notify you of delinquencies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
Rent Debt LLc has been after me since XX/XX/XXXX but never disclosed that I was allowed to dispute. I did contact the company through mail twice but no response has been received as asked to verify that I have a contract with their company. I know many creditors send a spread sheet I am requesting a contract I signed with Rent Debt. I also called on XX/XX/XXXX to verify if the statue of limitations passed which they have XX/XX/XXXX and the date of the last payment. The company declined to answer those questions but did disclose I promised to pay in XX/XX/XXXX. I feel as a consumer these type of practices are unethical and wrong in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Client Services, Inc.
State: MA

Complaint narrative:
I gave permission to a collection agency to discuss with my mother ( I am not a minor, my mom was helping me out on some outstanding credit card debt ) one account. My mother paid a {$500.00} settlement and a few days later received a letter stating Returned Check Notice. Your receipt payment on the above referenced account has been returned as dishonored by your financial institution. When in fact we contacted our financial institution and they had never received any request for payment of a check to this credit collection agency. 
When my mom called back to discuss this one case and the accusation of a returned check, she was advised that I owed over {$5400.00}, which is incorrect. I do have another account with their office, however, they only had permission to discuss one account with my mother. They broke the Federal Law by telling my mother about another account that they did not have permission to speak to her on. They clearly violated the Federal Debt Collection Act and refuse to close out and mark these two accounts as settled, due to the violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
I co-signed for a loan with my then wife for an auto loan. Fully realizing my involvement should such loan be in jeopardy of default. 
The loan company ( Exeter Finance ) has my personal information, inclusive of my phone number for contact purposes. After our separation, I kept Exerter Finance current with my personal information, ( of which my contact phone number has not changed, ever, even today remains the same. 
The loan was 30 days late twice, but Exerter Finance, failed to contact me so I could exercise my obligation and satisfy the lingering debt. Subsequently they have my credit file notated of a 30 day late payment without any personal notice. 
Ive contacted Exeter Finance to amend my credit report as I was not notified of my obligation either in writing or by phone. 
Exeter Finance representatives upon reviewing the file confirmed that my current phone number was the same as on the initial loan paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2018 I wrote to Experian, XXXX and XXXX   including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on Experian And XXXX in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.

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 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
I received a letter from the law firm Lloyd & McDaniel , PLC on XX/XX/XXXX stating my account from XXXX XXXX had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with XXXX XXXX. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX  XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXX ever!!!! 
XXXX XXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! 
XXXX XXXX XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! 
XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! 
Santander XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: The Outsource Group, Inc
State: VA

Complaint narrative:
Victim of identity theft, XXXX : XX/XX/XXXX XXXX {$620.00}, reported to credit bureau. XXXX XX/XX/XXXX an inquiry that was not consented. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX address reported that was never lived in by defendant. {$2300.00}. I have contacted companies to dispute but was told that I have a common name and it was attached to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
This is an addition to complaint # XXXX The public records data from LexisNexis does not comply with the National Consumer Assistance Plan ( NCAP ). I've been iterating the fact that inaccuracies exist in my report.

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of LexisNexis document.

The data from LexisNexis only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report.

According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from LexisNexis reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here LexisNexis claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to LexisNexis, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore LexisNexis is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by the credit bureaus, XXXX and XXXX which cite LexisNexis as their " source. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Dear Freedom Mortgage, Your correspondence dated XXXX XX/XX/2018 the postmark was not applied tell the XX/XX/2018. We are unable to determine when it was actually provided to the US Mail service, as the postmark is not canceled. 
Your correspondence denotes the use of bill pay of which is not used by the borrower. Thus highlighting the fact you are not understanding or reading the correspondence sent to you. Your correspondence states that enclosures are with the correspondence but there are none. As you received payment for XX/XX/2018 and failed to credit the payment thus causing a late payment in XXXX and XXXX the late payment is due to your actions not the borrower. Wherefore the payment did and was verified to have made to your bank account thru your action of depositing the check, you did receive payment. Therefore your actions of demanding a late fee '' and inspection fee '' are fraudulent. You have had sent to you copies of the canceled checks for the month of XXXX and several months prior to XX/XX/2018 showing that you did in fact receive payment. Your choice to ignore the fact you did receive payment and make claims of late payment to credit agencies to damage the barrowers credit represents your flagrant dishonesty. All contact shall be thru correspondence.

Freedom Mortgage shall provide to the borrower thru the US Mail an FULL accounting of all funds received and dispersed from the inception of Freedom loan # XXXX ( XXXX XXXX # XXXX ) showing how each payment was applied to the principal, interest, escrow, taxes and all other disbursements made. All disbursements shall be clearly described. The description shall not be deceptive, the term fee or other shall not be used.

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 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I received a letter from the law firm XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating my account from Capital One had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with Capital One. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
In XXXX my student loans were transferred from Nelnet to XXXX. 

XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. 

My balance went from approximately {$35000.00} to {$54000.00}. 

The loans were then transferred back to Nelnet for collection. 

I disputed the debt on XX/XX/XXXX. See attachment. 

I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ).  The request was made on XX/XX/XXXX. See attachment.. 

Nelnet ignored both the dispute letter and the request for review. 

They proceeded with collection. 

On XX/XX/XXXX they filed a negative report to XXXX and XXXX. 

On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. 

Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. 

Instead Nelnet ignored the federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried filing a dispute regarding info on my credit report just last month. I show that in my report I asked all three credit reporting agencies. I have a first financial account not reporting correctly at all- XXXX XXXX shows past due late payments when it reflects a balance of XXXX. I can not make any payments in an account without a balance. This account needs to be updated removed because there obviously isnt a debt I owe to this company. I feel all three agencies needs to report the same info and/or be corrected. I have an account consumer collection management that was recently removed from transunion report however my equivalent is incorrectly reporting the account as if it is mine. Please correct my credit report this is affecting me trying to acquire a home for me and my child due to incorrect info on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11 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: NY

Complaint narrative:
In XX/XX/2018 I wrote to XXXX, XXXX and Equifax including some collection agencies that were on my credit report. In XX/XX/2018 I also submitted a complaint through the CFPB portal about some issues I was having with these bureaus and agencies. I however had gotten responses from the bureaus and these negatives that were impacting my credit report and scores were resolved and taken off my report. 
I was in the shock to see one of those negatives that were taken off my credit report reappearing on my report in XX/XX/2018 which is about 4 months after all this was cleared up. 
I am now seeing a reappearance of a collection on XXXX And Equifax in the name of a XXXX XXXX with an amount of {$620.00} and account # XXXX. I can not understand the return of this figure on my credit report with a totally different name that I am not aware of. 
I would like this inaccuracy to be cleared up and removed from my report as the negative report affected my credit scores dramatically and I would like to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I applied for an increase in my credit limit with Chase Slate Credit card. The amount was approved for XXXX. Several months later, I noticed my credit card limit was only XXXX. When I called they told me the credit limit was temporary. They never once informed of this in the initial phone call. Now my debt to asset ratio is horrible and I'm nearly XXXX over my credit limit. This has caused me great harm with my credit and I should not be punished for their failure to inform me something. I never had a late payment. All my payments were made way ahead of schedule. This is absolutely awful if they are able to get away with this.

Company response to consumer: Closed with explanation