vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Finance LLC
State: MD

Complaint narrative:
This company is a predatory lender. This company shut my car off on 3 different occasions for as little as {$48.00} and no more than 21 days late. This company has caused me so much stress it is unbelievable. The dealer never told me there was a cut off switch being attached to my car. If they did I would have walked away. The told me that someone would be out to install a GPS device so that in case of default on the loan they would know where to repossess the car from. Which was ok by me. In the state of Maryland your car can be repossessed after missing one payment however, this company shuts your car off leaving you stranded wherever you are at that time just for being days late not even a FULL PAYMENT BEHIND. Example my car payment is {$150.00} bi weekly yet my car was turned off for just yesterday for {$48.00} even after I just made a payment. Even after I been requesting to have my payment made monthly they insist for some reason they can't change it. This is borderline harassment. My car payment with them has never been 30days or more late NEVER yet I am in fear my car will be immobilized because I am 16 days late. Unreal someone needs to do something about this company and other 's like it. The customer can't even refinance because the miles on the cars are ridiculous so you are stuck paying triple regardless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of  the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In XXXX, I was a victim of identity theft and as a result credit cards were opened and non-authorized charges were made. I filed a Police Report on XX/XX/XXXX with the XXXX XXXX Police Department in Florida. 
Since then, Portfolio Recovery purchased two debts that were charged off because XXXX XXXX XXXX XXXX did not process the identity theft documents I send to them at that time in XXXX. I disputed the two accounts in XXXX and again in XXXX, XXXX and XXXX of XXXX. I filed a FTC Identity Theft report and also completed ( Portfolio Recovery 's ) their in house ID Theft affidavit. The correspondence that is attached from this month is stating that they are not removing it and will cease to investigate the account and the other is stating that I did not send any additional relevant information. 
In summary, they are continuing to collect on accounts created in fraud and have ignored my repeated requests to have these accounts closed. I even attached a letter from XXXX XXXX  where they have acknowledged that I made a claim for identity theft. 
I have provided all of the documentation and reports for Portfolio Recovery to remove these two accounts and stop collection, however they are still considering these as verified debts. They bought these two accounts from the original lenders and have no history or way to prove their position. At this time, they are breaking the law and so are the credit bureau who have been informed of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: GA

Complaint narrative:
We paid our mortgage on time each month. In XX/XX/2019 our mortgage was withdrawn {$500.00} more than any prior month, without notice, without statement, without letter. We called mortgage company and thats where horror started. 
They first confused us with wrong account and said theyre surprised our house is not foreclosure etc ... 
then they kept telling us wrong amounts, wrong balances, negative on escrow ... 
We finally received refund for overdraft and we thought all errors are fixed but next statement showed again charging us {$500.00} more than it was authorized or communicated with us. 
Mortgage company said they mailed out escrow analysis but to wrong address? 
Not a single representative was able to explain our balance, charges or escrow. 
We spoke to XXXX, XXXX, XXXX ... last phone call today at XXXX XXXX Eastern time. Previous phone call yesterday at XXXX XXXX  eastern time. We have phone call logs. 
They still dont have our amount accurate and they changed our payments without providing us escrow analysis as we requested multiple times. 

We requested two weeks ago every paper regarding our account, payments and escrow so we can escalate as we already seeked legal help. We are requesting full investigation. They are still not providing it. We continue to hear from different people that is not my department and that takes time. 
All solid lies. Zero trust, zero confidence in them. 

Awful customer support, zero knowledge zero professionalism. We are beyond harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I disputted this account with XXXX in the pass and it was removed from my credit report now Transunion has re-inserted to my credit report this account was a result of fraud the account was open by a Idenitiy Thief. and Transunion is violating my rights under the FCRA.

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 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/2019 I certified mailed a formal dispute letter to LexisNexis Consumer Center, to which they signed for on XX/XX/2019. 

LexisNexis violated Federal law per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) by not responding back within 30-days. 

LexisNexis failed to respond within 30 days by not providing their Method of Verification, copies of any documentation bearing my signature of the accuracy, compliance and reportability of their listing which they maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XXXX from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

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 2019-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XX/XX/2019. Received a call from XXXX at Ally financial. She wanted to know when Im going to pay my auto loan. I told her she needs to contact my attorney. She responded you dont have an attorney. Continued to ask when Im going to pay. I repeated you need to contact my attorney. She then told me that if Im not going to comply we will send people to XXXX XXXX XXXX ( my house ). I told her multiple times you need to contact my attorney and each time she told me you dont have an attorney and that I have to deal with this myself. Eventually she said Im going to record that youre non-compliant and then hung up on me. Now all of this happened a month or longer AFTER I received my bankruptcy discharge from the court, which included my auto loan through Ally Financial. Never once did she ask for my attorneys name or phone number or anything. She literally just ignored the fact that I retained an attorney, filed bankruptcy and received a discharge. She threatened to send people to my house if I didnt pay. This is completely unacceptable! Not to mention illegal, I think. I was granted a discharge from the auto loan debt by the Courts and yet shes calling me to collect the money, ignoring my request to speak to my attorney and THREATENING to send people to where I live! I fell in hard times that lasted for several years, filing bankruptcy was not something I did lightly. It was an extremely stressful time, so much so that I began receiving medical care due to the stress & anxiety of trying to rebuild my life. Then when theres finally resolution and I can begin to get back to normal this woman calls and treats me that way. Please look into this matter for me. Thank you.

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 2019-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly balances due of {$4300.00} and {$790.00} on the XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5 and 6 of the attached credit report. ) These accounts have been paid. Attached are the letters dated XX/XX/2019 from XXXX XXXX for Account Numbers ending in XXXX and XXXX stating the settlement arrangement has resolved the outstanding balances on these accounts.

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 2019-04-24 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: Innovis
State: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX  please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: LEXISNEXIS
State: PA

Complaint narrative:
I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Respected Sir, Date : XX/XX/XXXX I am XXXX, working as a XXXX XXXX and currently living in XXXX, XXXX XXXX. I have lived in USA from XXXX XXXX XX/XX/XXXX on a working VISA in XXXX, Ohio. I have opened a Chase Bank account during that period and used to transfer Money to XXXX from XXXX using XXXX XXXX as a third-party service. XXXX XXXX will get money from my XXXX account and transfer it to my XXXX Account. I had done this couple of times and never had any issue till I was in USA. 
After XX/XX/XXXX, I had to go back to XXXX and live there since then. On XX/XX/XXXX, I had transferred XXXX dollars to my XXXX account from XXXX with the help of XXXX XXXX XXXX. But on the same day XXXX XXXX declined the transaction saying that they did nt receive money from XXXX ( XXXX XXXX : XXXX : XXXX ). As a result, I had no deposit into my XXXX Account. But XXXX has deducted XXXX dollars from my money claiming that it had transferred money to XXXX XXXX. 
I had called several times to XXXX asking for my money to refund and had opened a Claim regarding this issue on XX/XX/XXXX. ( Claim Number : XXXX ). Entire communication was in emails or over the phone calls as I had no option to talk to the XXXX Branch as I was living in XXXX. 
There was no action taken for that claim and my on-line account was also blocked later. I could nt even open my on-line account and do any transaction. I had an impression that I could come back to USA on work VISA and could resolve this issue by talking to Chase directly. But unfortunately, I could not go to USA since then and the issue was not resolved. 
Lately with the help of a friend living in USA, I could unlock my online account able to do online transactions. I have contacted XXXX again on XX/XX/XXXX, by an email/Phone calls regarding the Claim opened in XXXX, but have not received any response. I finally tried to enquire about the Claim by talking to a XXXX manager with the help of my friend living in XXXX. The Manager was not able to view any information about the claim and has escalated this issue to Claims department. After 2 days, Claims customer service could reach me over the phone. I have explained what has happened so far and gave the Claim number for reference asking them to refund my money. They were not able to trace my Claim as it was 3 yrs old from now and it was closed with no action. When my friend reached the Bank Manager again on this issue, we were told that XXXX can not do anything in this regard and I am supposed lose my XXXX dollars. 
Just because XXXX can not trace a Claim that is older than 2 years, am I supposed to lose my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have been in an ongoing dispute with Ally Financial concerning an end of lease charge for tire wear wherein Ally showed referenced the wrong vehicle on their website, etc.. Once bringing the matter to their attention, mysteriously, the website was no longer available for viewing. Since it is like speaking or dealing with robots we settled this matter for {$410.00}  on the condition that the charge would not be recorded on my credit report. This week I had a credit report pulled and low and behold Ally shows the {$410.00} as a charge off as a bad dept rather than settlement as agreed together which is infuriating. Ally has lied continuously throughout this process so would hope the CFPB would reprimand this thieving organization accordingly, thanks ... .. BTW the account is Ally Financial Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
A law office attempting to collect a garnishment withholding from a terminated employee called our company 's general support number ( people who have no affiliation with HR or Finance at all ) and asked to be put through to Payroll. Our agent suggested that they reach out to us at our email and they refused, stating " I guess we will just pull the company into court. '' The woman who was attempting to collect the debt even recited the finance number in the attached recording, stating that " We had not returned her calls '' which is a blatant falsehood. Finance reached out almost immediately after the first call and left a message asking for a call back and did not receive one until almost two weeks later on a day when the finance department was unmanned. 

After calling the day after, the agent again threatened legal action without prior notice over the phone. I'm sure the law office will have records of these calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
We had a balance on our Citi card of over {$2300.00}. We decided to pay off the credit card. The statement dates are around the XXXX of the month. We paid the balance shown online on XX/XX/19. The payment was posted XX/XX/19. On XX/XX/19 they posted an interest charge of {$13.00}. My understanding of state law is that interest can not be charged on a credit card if the balance is paid off prior to the next statement date. I contacted Citi via online chat with someone named XXXX. She stated that they can charge interest on an account until the account has had a XXXX balance for two consecutive statements. Since they are obviously charging interest after a zero balance, the card can NEVER be paid off because they will continue to charge interest on the interest being charged daily. If I get a statement on XXXX and immediately pay off that balance, they won't post that payment until XXXX, so they've charged AT LEAST one day 's interest that will show up on the next statement. I can never have a statement with a zero balance.

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 2019-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
When I initially took out the loan, I had informed them that my pay structure was bi-monthly, the XXXX and XXXX of the month. I had to keep calling them to correct the date in turn, defer the payment. XX/XX/XXXX ( which should be XX/XX/XXXX ) is the last payment to be paid on this account in the amount of {$130.00}. I had asked them to deferred the payment to the XXXX and they indicated that if I deferred the payment one day, the payment would be doubled.

They didn't seem to care one way of the other. Their practices are unethical and should be held accountable for their actions.

Company response to consumer: Closed with explanation