vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: IL

Complaint narrative:
This lender is in a class action suit because its a predatory loan with 7000 % interest. 



IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION MATTHEW HALL, ) on behalf of Plaintiff and the class ) members described herein, ) ) Plaintiff, ) ) v. ) ) MINTO DEVELOPMENT ) CORPORATION ; ) BENHTI ECONOMIC ) DEVELOPMENT CORPORATION ; ) XXXX XXXX XXXX ; ) MINTO FINANCIAL d/b/a Minto Money ; ) and JOHN DOES 1-20, ) ) Defendants. ) COMPLAINT CLASS ACTION INTRODUCTION 1. Plaintiff, XXXX XXXX, brings this action to secure redress against the making of usurious loans to Plaintiff ( Exhibit A ) and other Illinois residents by Defendants Minto Development XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Minto Financial d/b/a Minto Money ( Minto Money ), and XXXXXXXX XXXX XXXXXXXX. 
2. Plaintiff seeks a declaratory judgment that the loans are void and an injunction against their collection ( Count I ), damages pursuant to the Illinois Interest Act, 815 ILCS 205/6 ( Count II ), damages and injunctive and declaratory relief pursuant to the Illinois Predatory Loan Prevention Act, 815 ILCS 123/15-1-1 et seq., and the Illinois Consumer Fraud Act, 815 ILCS 505/1 et seq. ( Count III the Predatory Loan Prevention Act provides that violations are a violation of the Illinois Consumer Fraud Act ), and treble damages under RICO ( Count IV ).

-1- C

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have submitted a complaint already on this issue. I understand the company has time to respond, however we have called and left messages and no response back. This is costing my husband and I hundreds of dollars a month due to their error. I have spoken to town hall and received documents supporting the payments were always made quarterly and never in one lump sum. I advised fifth third of this and they continue to state that they were told by the old mortgage company that they were to be paid in one lump sum. However, I also have the proof and documents to so that they old company paid quarterly. Our mortgage has gone up and we want it back to the original amount. We can't not pay what they are claiming in the meantime because they would foreclose for not paying the amount. This was completely their mistake, and we should not be responsible for it. They can request a refund from the town and then pay quarterly like that should have been the whole time. Our broker has even explained this to them on a three-way call, stating he has the proof in the closing documents stating how the escrow was set up. This needs to be handled and fixed ASAP as we again are paying hundreds more a month that we should and that is really adding up over the months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: NC

Complaint narrative:
After reviewing my credit report I notice there was a debt that I was not familiar with. I mailed a certified letter to company asking to validate the debt because I have not previously been notified of any debts from this company. I have yet to receive a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am still in school earning my XXXX and Sallie Mae has told me they are deferring my loans until I finish my XXXX. However, they are still requiring that I pay the interest on the loans each month, even though I am not paying down the principal. By doing this, Sallie Mae is making more money off the loans because the interest payments will never go down until I pay the balance, but they do not ( and I can not ) require principal payments. 

Essentially, they are taking advantage of the lenders by pretending to offer a " deferment '' when in reality, they know they are just getting more time to collect the highest amount of interest from their borrowers. 

I pay over {$500.00} a month in these interest payments per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/ we transferred XXXX from XXXX XXXX XXXX to Ally savings account for a {$500.00} bonus that was promised by Ally for external {$50000.00} transferred in and maintained in Ally for 3 months. By XX/XX/XXXX we had not received the promised {$500.00} so we contacted Ally and they asked us to wait a week and check back. After a week they still had no solution then they asked us to wait 2 more weeks. Then on XX/XX/XXXX we contacted them a 3rd time and they said they did not have any solution so I asked them to escalate it and they promised to have a solution in 0 to 2 days. So today on XX/XX/XXXX I checked again with Ally and now they say they have no solution nor a date by when a solution could be had. They claim they have a lot of people in the same situation looking for a solution. Today we also noticed that our account activity history was mostly blocked or wiped from our view.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 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: FC HoldCo LLC
State: FL

Complaint narrative:
Two issues : 1. Flagship credit acceptance corporation is reporting in accurate information about my account number XXXX to both XXXX and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on XXXX and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}. 

2. Flagship credit acceptance says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}. 

3. On XXXX and XXXX they show 2 late payments, but on XXXX they show 1. 

This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.

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 2023-03-10 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: Collection Resources, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX COLLECTION RESOURCES INC XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: AL

Complaint narrative:
American Finance went out of business without notice, and the XXXX XXXX XXXX where I got the car also went out of business and there's no one to talk to. I called about three weeks before they closed letting them know that my husband had passed away and I needed a lower payment, the representative I spoke to said she had sent my information to her manager and he was going to send me an email letting me know what he can do for me, I waited a week and still no email so I called back and I was told she had made a mistake and had to resubmit my information to her manager and I would hear from him in about 3 days, three days passed and I called back and was told the same thing, so I waited for another three days, and when I called back no one answered the phone at the finance company or the dealership, and that's when I saw on the news that they had shut their business without notice.

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filling a complaint against Jefferson Capital Systems , LLC. I do not have a blue, wet ink signed contract with Jefferson Capital Systems , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. Previous to today, I have never communicated to Jefferson Capital Systems or had any verbal or written communication. I was notified by a past employer that Jefferson Capital Systems , LLC had repeatedly called my past employer. My past employer reached out to me and informed me yesterday, XX/XX/, of the incidents. 
Jefferson Capital Systems , LLC have violated the Fair Debt Collections Practices Act that protects consumers from harassment and privacy violations by bill collectors. Jefferson Capital Systems , LLC has violated these sections of FDCPA ; 15 USC 1692c 804, 2 ,3. Acquisition of location information, 15 USC 1692d 805a. 15 USC 1692d 805a, 3. 15 USC 1692d 805b., 15 USC 1692d 805, 15 USC 1692f 807,11. 15 USC 1692h 809. Validation of debts, I have not given prior consent of, me, the consumer given directly to the debt collector, or the express permission to communicate to a present or past employer. However, Jefferson Capital Systems , LLC has contacted a past employers and spoken to them, then disclosed that I supposedly owe a debt and they are trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: United Revenue Corporation
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for UNITED REVENUE CORP to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you IF ANY INFORMATION SUCH NAME AND BIRTHDAY IS MISPELLED REMOVE AND DELETE FROM MY REPORT THAT IS NOT ME.

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Accounts DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2000.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$5500.00} Date Account Opened - XX/XX/XXXX Date Account Closed - XX/XX/XXXX DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$4500.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred DEPT OF ED / XXXX Account Type - Educational Responsibility - Individual Original Loan Amount - {$2600.00} Date Account Opened- XX/XX/XXXX Date Account Closed - XX/XX/XXXX Condition - Transferred has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX I wrote about some inaccuracies and unexplained items on my credit report, and 43 days later, I still haven't heard back. I feel as though my complaints are being disregarded and that I am being abused. According to Section 611 ( a ), it is clearly stated that items should be immediately removed from my credit report if they are not investigated within 30 days. Because it has been more than 43 days, this should happen right now. Due to the severe stress you put me under, I demand that these accounts be erased right now, failing which I will launch a lawsuit. The latest Transunion data breach has an impact on my information, which might have ended up in the wrong hands.

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 2023-03-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
Dear CFPB, This is now my second complaint against Discover Card Services as your organization failed to fix the issue in my first complaint. Since complaining about this, Discover is now lashing out and participating in discriminatory and illegal practices by falsely stating to Credit Reporting agencies that I am passed due when that is far from the truth. I paid on XXXX XXXX and Discover decided to charge my card without permission on XXXX 2 days later once again for USD XXXX. However, reported to Credit Reporting agencies that I was delinquent and past due on XXXX This is extremely infuriating and ILLEGAL. This dropped my credit score from a XXXX to a XXXX. Secondly, to follow-up on my first complaint, it was never resolved. Discover is illegally charging me for services I did not receive in the amount of USD XXXX. This is what this whole dispute is about they are using illegal abusive practices trying to force me into paying for services that I never received and are now falsely reporting my account as delinquent attempting to have me pay for services that I did not receive. This is a scandal. I have wrote to many government agencies about this, and all involved in this corruption will be revealed. Discover also admitted knowing that the merchant is participating in fraud but there is nothing they can do. So let me clearly write and spell this out, the United States of America, allows a foreign entity/merchant XXXX XXXX to lie to a U.S. federally insured institution about a U.S. consumer and faces no repercussions? Why is the CFPB refusing to investigate this issue? Why is it also not having the FTC and FDIC etc. investigating as well? The fact that the CFPB is aware from my first complaint and still allows Discover to operate, not fine it or investigate it is absolute insanity. This shows the CFPB 's failure, ineptitude and negligence as an organization. This needs to be resolved ASAP and I would like an actual call from the CFPB not a generic automation email. I am sure I am not the only consumer affected by Discover 's illegal predatory practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The XXXX XXXX  is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This XXXX XXXX calls me every day and leaves me voicemails. I do not owe them anything.

Company response to consumer: Closed with non-monetary relief