vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
NCB is the company. 
This was discharged in Bankruptcy as listed on my credit reports of XXXX and XXXX. 

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX balance, and closed along with no negative information other than the remarks of Discharged in  Bankruptcy. 

I have contacted XXXX XXXX and they advise me to contact XXXX, XXXX and NCB. 
I have contacted all three of them and they have confirmed that per their files, NCB, XXXX and a XXXX that this accounts is not listed as collections, but Discharged in Bankruptcy. 

The issue I have is that XXXX XXXX states the information is correct as listed. 

I dont understand why no one from XXXX XXXX can correct this. The 3 companies confirmed it was discharged and closed. 
XXXX XXXX will not remove this account from collections to closed. 
This is fraudulent information on my XXXX XXXX account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a victim of fraud and Equifax is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into Equifax fact. My right are been taken away from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: LEXISNEXIS
State: CT

Complaint narrative:
I am a victim of fraud and XXXX is illegal helping XXXX XXXX XXXX because XXXX XXXX XXXX invested into XXXX fact. My right are been taken away from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: Innovis
State: CT

Complaint narrative:
I asking innvois help because XXXX  is not investigating a fraudulent account on my credit because the account is hold by its investor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MS

Complaint narrative:
My complaint arises from the lending practices of online lenders. I have noticed numerous complaints regarding a similar company called XXXX XXXX XXXX. These predatory lenders are charging exorbitant A.P.R.s on small loans and not properly disclosing these A.P.R.s. to the consumer until after the fact. In my case, the rate was greater than 100 percentage points over the maximum A.P.R. allowed by Mississippi State Law 75-17-21, which is punishable by 75-67-119. To be specific, I was charged 280.01 % A.P.R for a {$650.00} loan. Our State Law caps that rate at 36 % per annum. The punishment for such a charge is for the lender to forfeit the principal and all interest received. Balance Credit refuses to comply and does not feel they have done anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Lender : GM Financial Account number : XXXX Account opened : XXXX XXXX, XXXX Lease term : 36 months Contract Miles : XXXX miles GM Financial was the leasing company that I leased a XXXX XXXX XXXX from in XX/XX/XXXX until the lease ended in XX/XX/XXXX. The vehicle was returned by me timely to the company in XX/XX/XXXX, approximately XXXX miles below the leased mileage, and with only {$80.00} in appraised wear and tear damage. 

For the entirety of the lease agreement, all charges associated with the vehicle were paid on time through auto-pay connected to my checking account without incident for 3 years. I naturally presumed, but apparently incorrectly, the end of lease charges were to be deducted from the same account, as had been our course of performance for 36 months. However, this did not occur. 

In XXXX, I received an alert that there was a missed payment on my credit report and on XX/XX/XXXX I promptly paid the outstanding {$510.00} end of lease charges ( using the same checking account that was already on file with GM ). When I sought from the company a good will adjustment to the credit agencies for the late lease charge, they refused.

In sum : A ) I feel like I was induced by GM for 3 years to make payments through the auto-pay mechanism and then at the end was deceived into thinking this same mechanism apply to the end of lease charges. 
B ) The deadline set to pay the end of lease charges was arbitrarily set by GM as the lease agreement is silent is this regard. I dispute that the payment was even late.

C ) These end of lease fees appear to be separate an aside from the financed portion of the lease agreement. The financed portion of the lease was paid on time, it was only the end of lease fees that were purportedly untimely. I do not believe these end of lease fees are reportable to the credit agencies as they in no constitute a loan repayment. It believe the fact that GM even required a different payment mechanism to pay these fees supports this notion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is the company.

This was discharged in Bankruptcy as listed on my credit reports of Equifax and XXXX.

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX   balance, and closed along with no negative information other than the remarks of Discharged in Bankruptcy. 

I have contacted XXXXXXXX XXXX  and they advise me to contact Equifax, XXXX  and XXXX. 
I have contacted all three of them and they have confirmed that per their files, XXXX, Equifax and a XXXX  that this accounts is not listed as collections, but Discharged in Bankruptcy.

The issue I have is that XXXX XXXX states the information is correct as listed.

I dont understand why no one from XXXX XXXX  can correct this. The 3 comp
anies confirmed it was discharged and closed.

XXXX XXXX   will not remove this account from collections to closed.

This is fraudulent information on my XXXX XXXX  account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: CT

Complaint narrative:
I asking XXXX  help because Equifax is not investigating a fraudulent account on my credit because the account is hold by its investor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I already have an American Express " Everyday '' card. It doesn't have any annual fees. I received an offer to upgrade to the Gold Card. It has a XXXX dollar annual fee. I was concerned about this so I asked if I could change my mind and cancel and they said you can. I asked them to make clear this would 1. upgrade my card and 2. if I downgraded I would get that money back AND have no credit score penalties. I was also told I would be able to use the card ( number ) right away, as in before the physical card arrived. I said sure!

First thing I learned, is it's not an upgrade, it's a brand new card and account number. Second thing I learned I will NOT be able to use the number right away and today XX/XX/2019, I am being told I won't even be able to use it until I talk to someone on the phone tomorrow XX/XX/2019. 

That part doesn't really matter as much, the fact that it's a separate card/account was hugely misleading and fully would've stopped me from getting this card. Furthermore, the gold card, can't even be downgraded to the other card, it can only be downgraded to the Amex " XXXX XXXX ''. So no matter what I now have TWO creddit card/accounts with American Express. They also previously told me I could downgrade without hurting my credit score, and now I imagine, the only thing I can do is CLOSE the account which WILL hurt my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I called capital one and requested that my due date be changed from the XXXX to the XXXX of each month. They said it would be changed. It was not changed so when I made XXXX payment on the XXXX, I noticed a {$25.00} late fee and my due date was still the XXXX. I've called again today, XX/XX/XXXX and again requested a refund of the {$25.00} fee AND my due date changed again. They won't do either and this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
For this i am stating a concern i have with a credit card listed on my credit score account, listed on both XXXX XXXX and XXXX that a Kohls credit card account ending in XXXX was opened on XX/XX/19 and reported around XX/XX/19. 

This credit card was received through mail, having a {$300.00} credit limit and this was used by me, or opened by me, at all, and reflecting a balance of {$190.00}. I contacted Kohls Credit Card Company to find out some info they provided me sounded sketchy, as I had this account to be review as fraudulent, providing them with my social, d.o.b, and name. 

I don't know why this has not happened already, there toll free # is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 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: National Consumer Telecom & Utilities Exchange, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX is a fraud on my credit report with XXXX. These company or investors so both company refuse do delete inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern : This complaint letter is directed at XXXX credit card company. I called this company last year ( XX/XX/XXXX ) to close my credit card after paying it off. The customer rep asked if there was anything they could do to keep me as a customer to which I replied, No, I want the card closed. To date, the card is still open and active. Im sending this complaint to each of the credit bureaus and if the account remains open Im writing a complaint to the Florida Attorney General. 

Why would they continue to keep my card open after I requested it closed? I learned that the card was still active after I received an email last week stating that my card had been charged the XXXX annual membership fee. I called and had the charge removed. 

Their information is below : XXXX Customer Care PO Box XXXX XXXX XXXX, TX XXXX XXXX Please keep me updated. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
Enhanced recovery company keeps contacting me about a XXXX debt that has exceeded it's statue of limitations. I last had XXXX cell phone service in XX/XX/2012 yet every year as current as XXXX XXXX enhanced recovery company updated once a brand new statement on my credit. By renewing it on my credit report it falsely makes the debt appears brand new rather than it's true age of almost XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I have a mortgage with 21st Mortgage. My payments are {$690.00} a month. It is considered late on the XXXX of the month. I am past due for XX/XX/XXXX and owe for this month XX/XX/XXXX. 

I tried to make XXXX payment on XX/XX/XXXX of {$690.00} they are refusing my payment. They are very XXXX  and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
Recently, I have tried to resolve this credit issue with Credit Management and XXXX XXXX. The companies have placed a negative remark on my credit file outlining a balance of {$340.00}. I have resolved this issue in the past XXXX CFBP XXXX. I received a notice stating that the agencies do not have this debt but the negative remark was placed on my credit. Credit Management has contacted me by via cell phone from various numbers that when you try and contact them back the number no longer works.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I'm not sure why they continue to call me on this. This is not my debt and they are unable to prove that this debt was obtained by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I wrote to U.S. Bank ( formerly XXXX XXXX  ) to ascertain whether my deceased husband, XXXX XXXX XXXX, had any safe deposit boxes or accounts with their bank. I sent U.S. Bank 's Legal Department my Letters of Office as Administrator of the Estate of XXXX XXXX XXXX, Deceased, in XXXX County Probate Court, XXXX XXXX XXXX as well as the Certified Death Certificate. Ms. XXXX XXXX of U.S. Bank Omnichannel Customer Service responded on XX/XX/XXXX, never stating that U.S. did or did not have an account in my deceased husband 's name, but requesting that I provide them with a " valid account number '' in order to process my request. My husband 's social security number is on his death certificate, and I told Ms. XXXX that this is the United States of America and that accounts are not tracked in the U.S. by account number only, as in a XXXX XXXX   account, and that she could locate any account for my husband by his name as he was the ony XXXX XXXX XXXX in the State of Illinois and likely in the country. I called U.S. Bank 's 800 number and was told they would file a report with their " Life Events Department '' who would be in touch with me. By taking me in circles, I believe U.S. Bank may have released the contents of my husband 's safe deposit box or accounts to someone else who was not entitled to it, i.e., possibly his daughter, XXXX XXXX, who is co-heir with me to her father 's estate. I need straight answers from U.S. Bank rather than being taken in circles with them requesting a valid account number. They never said, " We do not have an account at all for XXXX XXXX XXXX ''. I have provided the proper documentation and could provide a subpoena for their records if necessary through my Probate Attorneys, but I have spent thousands already in legal fees and only want a bona fide answer as to whether U.S. Bank has accounts or safe deposit boxes in my husband 's name.

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 2020-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
First, I filed a complaint regarding Genesis collection practices and the fact that the debt is not owed. Next, Genesis addressed the issue regarding the debt but the failed to explain their violation of legal collection practices.

1. Genesis has never provided any written communication regarding the debt collection. Genesis only sent documentation once a complaint was filed with the credit bureau.

2. Genesis has phoned and texted my cell number. Genesis has been told if they have an issue to send it in writing. Genesis has not sent any written complaint.

3. Genesis contacted my sibling stating that they were trying to contact me to " help '' me out with an issue. My sibling noted that the call appeared suspicious and told them to call me. My sibling reported the call to me.

4. After telling Genesis to only contact me in writing they have continued to call my cell phone. I am maintaining a log of the calls and the voice mails they are leaving.

Genesis appears to think that they are above following FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 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: DE

Complaint narrative:
Two Things ...

1. ) My credit card balance was decreased from {$1500.00} to {$950.00} AFTER I made several payments to pay down my balance. I had about {$700.00} worth of credit when CB ( Citizens Bank ) decreased my card balance due to my credit score dropping. My sentiment is that I felt it was unethical to reduce my balance after making payments that would certainly improve my credit rating and more. I hit a financial bump two years ago and now I am on track ; therefore, reducing my balance hurt my credit rating instead of improving it. I would like reconsideration of my original balance. I have no faith in knowing that if I paid this card off, the account would not be closed which would ultimately negatively impact my credit rating again.

2. ) I made an on-time payment on XXXX.20 ( Friday ) in the amount of {$100.00} but the payment is still showing as processing but I was charged a late fee. I had to log into my account to obtain this information. I called CB and was advised that the fee will be reversed because payments arent processed on the weekends. I advised that the cutoff time for Same-Day payments on the website says XXXX  EST. The agent said its XXXX and is on our Customer Agreement. Ive lost faith in CB considering that I thought they did things differently. Their practices are alarming at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
Back in XXXX of 2019 my mother passed away. Her name was the only name on the mortgage. Since that time I have been sending documents to Bayview loan servicing to get help and I get nothing. A copy of their latest letter is attached and since my mother has passed and my father has not been heard from over the past 3 years as you can see with the quick claim deed I am the last person which means I have the ownership. This latest letter from Bayview talks about probate and with the quick claim deed you do not need to have probate it just passes to the next living party which would make me the successor. Bayview which is nothing more than a front for a XXXX GROUP I believe that Mr XXXX needs to have this out investigated being in Florida and all of that. When you have a life estate it just passes from person to person that is alive. THESE XXXX keep playing games. I have talked with 3 attorney and a Federal Judge and they have told me that what I have done is more than enough even giving bayview a copy of my mothers will which leaves the property to me. I have been making the payment since last XXXX and I also suffered a XXXX and missed time at work being in the hospital and have fallen behind however I am trying to catch up and would appreciate some help from the XXXX AT BAYVIEW. All they do is ignore the legal documents that are sent and ask for the same XXXX. When you have a life estate you do not need probate but these XXXX AT BAYVIEW are to XXXX to know the law that is why I think it is a XXXX FRONT that they are taking the money and moving it out of the country. If they want the can sell the loan to another mortgage servicer thatis willing to resolve matters and not play games. I have attached documents, Get the XXXX uinvolved and shut these people down. Thank you

Company response to consumer: Closed with explanation