vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I opened a new Platinum Checking account with Citizens Bank. The account was opened online at the website : www.citizensbank.com/promotion/platinum/cash-offer-400.aspx. This account came with a promotion that offered me {$400.00} for the new account. I completed the application for the account and fulfilled the terms of the account and expected to receive the bonus I was offered of {$400.00}. 

After a few months the bonus had never shown up in my account. When I logged in to check the account, I then noticed that my account was listed as a " One Deposit '' checking account, not the Platinum account I opened. I am not sure if the bank changed my account type without my knowledge or consent, or somehow screwed up when they opened my account. I first contacted the bank by Secure Message on their website on XX/XX/2018 indicating the problem with my account type. Despite indication that they " make every effort to respond within 2 business days, '' I did not receive any response at all. 

On XX/XX/2018 I sent a second message regarding this issue. Four days later I received a replying stating they needed additional information about the promotion I applied for. I replied, including giving the webpage mentioned above. I received a final response on XXXX stating that : " our records indicate that you opened a One deposit checking account. Due to this the account would not qualify for the promotion that required a Platinum checking account. '' This is not true. I have evidence that I can provide that shows the offer I applied under ( Offer screenshots.pdf ). I also have screenshots from my actual application ( My application.pdf ) which notes in numerous places that I am applying for a Platinum checking account. Finally, I have numerous emails from Citizens Bank ( Email 1-4 pdfs ) stating that my Platinum checking account was opened, my Platinum debit card was mailed and the benefits of my Platinum status. I even have an email as recent as XX/XX/2018 referencing my Platinum status. 

Again, I clearly applied and was approved for a Platinum checking account. Somewhere along the way Citizens Bank screwed up. But they refuse to admit the problem. Contacting them directly has not helped so I am hoping the Consumer Financial Protection Bureau can help me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I received a credit report from XXXX and I don't agree with the current findings. 

NOTES FROM REPORT : Account Sale Info : ACCOUNT SOLD TO XXXX XXXX Remarks : PURCHASED BY ANOTHER LENDER ; TRANSFERRED TO ANOTHER OFFICE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I make 12 mortgage payments per year to Wells Fargo. I pay a day or two early to be sure they are received on time. These payments are scheduled and automatically sent by my bank ( XXXX XXXX XXXX  ) to Wells Fargo every month. These facts are not in dispute with Wells Fargo. 

I received an escrow analysis for XXXX indicating that my escrow balance was projected to be too low at some point in the year and I should therefore pay a little more to make sure the escrow balance didn't get too low in XXXX. However, that XXXX escrow analysis is based on only 11 payments in XXXX. They show zero escrow payments for XX/XX/XXXX, but estimate the correct amount for XX/XX/XXXX. The end result is that the estimated escrow balance for the start of the XXXX analysis period is one escrow payment ( {$840.00} ) short. 

I have spoken to 4 different people at Wells Fargo ( XXXX ) since receiving the statement on XX/XX/XXXX. The last two are XXXX XXXX at extension XXXX and XXXX XXXX at extension XXXX. They all tell me that they have 11 payments for XXXX in the escrow analysis because I pay early. So when the statement was run, they hadn't received any money in XXXX. I pointed out that they receive 12 payments and therefore they need to perform the analysis based on 12 payments. They acknowledged that they will receive 12 payments in XXXX and they are received a couple of days before the payment is due, but they are sticking with the analysis based on 11 payments. 

This approach to the analysis is either incompetent or malicious. XXXX told me that I have escalated as far up into Wells Fargo as I can so I am now asking for your help to intervene.

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 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This date, XX/XX/2018 regarding online access to the Cabela 's Visa Card account that has been purchased by cards. I was on the phone with a XXXX card representative and then his supervisor fo over 40 minutes today, trying to arrange online user name and password to my account to obtain charges made and statement thereto. 

I was informed that I could not do that unless I enrolled in ONLINE BANKING with them. 
I refused to give them that access and therefore their policy is I can not view my statements or charges online. 

I believe this to be illegal coercion and want to file a complaint against XXXX 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Risecredit, LLC
State: UT

Complaint narrative:
XXXX is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu  will not be able to provide proof with my signature because I have never done business with them. 
THis is fraudulent & XXXX  is the only bureau reporting it with this company. Its erroneous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: NRA Group, LLC
State: CA

Complaint narrative:
RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through Toyota Motor Credit Corp. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated a settlement with Toyota Financial Services - which Toyota accepted. I had nothing ot do with the negotiation. Toyota financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to Toyota Motor Credit for GAP Coverage. IN XXXX XXXX, Toyota Motor Credit advised me that I had to submit a report justifying Toyota, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX  an d it then repeatedly sent to Toyota all the documents it had regarding the settlement. Toyota repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, Toyota elected to stop trying t collect from its own subsidiary Nd then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr hwic I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own  subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
I received a call from a Home Point Financial Representative on Monday, XX/XX/2018. The representative called to inform me that my XX/XX/2018 mortgage payment had not been received, but it still was not considered late as it was not the XXXX of the month. I quickly looked at my on-line banking and saw that it had been sent out on XX/XX/XXXX. I did not see any possible red flag on my banking register. 

After further investigation, I discovered that it was my XX/XX/2018 that had not been paid and was indeed past due. In XX/XX/2018, I INCREASED my automatic withdrawal mortgage payment to {$2000.00}, with the extra amount to be applied to my principle ; which was noted on my check memo line of payment. As a result of this change, my XXXX payment was inadvertently deleted, causing me to miss my XXXX payment. Thus Home Points representative was mistaken when she told me that my XXXX payment was not yet late because I had until the XXXX of the month. Please conduct a review of my account and the telephone call and review the servicing recording to corroborate this information. 

In addition, I recently received a refund amount of {$51.00}, notwithstanding the fact that I wanted the extra amount to be applied towards PRINCIPLE REDUCTION. It appears that Home Point is attempting to avoid my principle reduction. 

In over 20 years of having a mortgage I have NEVER missed a single payment. 
I never received any information or notification from Home Point Financial about a missed XXXX payment- until mid-XXXX, and even then, the communication was incorrect as the representative indicated XXXX was late. 
My contact information was up to date at Home Point. I  personally spoke to a representative on the phone in XX/XX/2018 to ensure all contact information was correct. Why no courtesy call or correspondence in XXXX? Home Point Financial refused to look into this matter, and simply rejected all discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I am filing this complaint because Diversified Consultants,  Account Number XXXX, is reporting on my credit report. I pulled a credit report on XX/XX/18 and noticed the collection account and immediately requested validation of the debt with the Credit Bureaus and Diversified Consultants on XX/XX/18, via certified mail. On XX/XX/18, Diversified Consultants responded with a copy of the bill from the original creditor. XXXX XX/XX/18, XXXX responded to the dispute stating that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. 

I have no knowledge of an account with Diversified Collections ( XXXXXXXX ) and was never notified have not been shown any physical proof that the account belongs to me other than a billing statement that was sent to me by Diversified Consultants. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 807 { 15 U.S.C.1962e }, which requires them to send me validation containing my signature for the debt owed to them within 30 days of the receipt of my letters, instead of sending this requested information, they sent a bill, which is unacceptable proof of validation. This negative reporting needs to be deleted off all XXXX, XXXX and XXXX  reporting agencies unless Diversified Consultants can provide me with physical proof validating this account I look forward to a speedy resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX is reporting on my credit report for an account that isn't mine! It was fraud and I have a police report etc .... It was previously reporting on my credit under a collection company, XXXX XXXX XXXX, and that was removed ... Now this company is reporting and it is not mine! Its even paid but NOT MINE! YOu will not be able to provide proof with my signature because I have never done business with them.

THis is fraudulent & Transunion is the only bureau reporting it with this company. Its erroneous!

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 2018-10-10 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: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have contacted the creditors, who placed the collection and asked them to remove the collection from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.. The account is posted on my credit report filed date XX/XX/2017 to current. Amount {$810.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: PA

Complaint narrative:
called lending club on XX/XX/2018 to inquire about a loan that I put a application in for and was on the phone with a supervisor asking general information about what to send in to them because when I called earlier in the day the person I talked to really told me nothing about anything when I asked and pretty much just rushed me off the phone and while asking a supervisor about everything she just said the XXXX with it and just hung up the phone just want to know what kind of company is this

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: TX

Complaint narrative:
Experian, XXXX, XXXX XXXX  reporting illegally aged account.

XXXX XXXX XXXX  XX/XX/XXXX TRUST These agencies all show a loan from XX/XX/XXXX on my credit report, which was last paid on XX/XX/XXXX. There were no more payments after that date. The loan was sold to XXXX XXXX within the past few years.

This is an old debt, over 10 years old. The original loan company ( XXXX ) went bankrupt.

But XXXX XXXX re-aged the debt to XX/XX/XXXX, and recently placed it at all 3 credit bureaus.. This is completely illegal, any debts with over 7 years since last delinquency, must be removed from credit report.

This illegal reporting has ruined my credit and prevented me conducting business with certain companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX . 
Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 XXXX XXXX XXXX trying to collect on a debt I Do Not owe. XXXX XXXX, XXXX had sent an account to a debt buyer XXXX XXXX XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. XXXX XXXX, XXXX and/ or XXXX XXXX XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX with the Federal Trade Commission. 

Note : An attempt to contact Social Security Service by  phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.

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 2018-10-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX  credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
This is our first month in our new home. My husband has been sending payments to Loan Depot weekly to take some of the sting from the new mortgage payment. 

I received a returned check back, so we called to find out the issue. They applied the first {$1000.00} we sent straight to principal, returned the second {$1000.00}, and are in the process of returning the final {$1500.00} because each payment was less than the {$3500.00} due. 

Now, because of the back and forth, there is a chance our first payment ( which, in total, was sent on time ) will be late and we may be charged over {$100.00} for the late fee. We have to wait until Monday to receive all the funds back, just to send them back again ( by Tuesday ). 

I work in the XXXX XXXX XXXX, so it is news to me that any lender could return funds and not just apply them as received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief