vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I purchased my XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX my down payment was {$1000.00} and give {$1000.00} for the trade of my XXXX XXXX XXXX. The first financing was cancelled after XXXX weeks. I had to return to the XXXX XXXX XXXX and was subject to another credit check. I was approved by XXXX XXXX, I then had to put another {$500.00} down and my car payment went from {$200.00} to {$310.00}. 

I have since been making my payments. I received a letter via mail on XX/XX/XXXX from XXXX XXXX stating they were canceling the contract and returning the account to the Dealership. In the letter it does not give a reason for this cancellation. It states it would be removed from my credit line and that my car payments would be returned to the Dealership for me to pick up. 
I contacted the Sales Man from the Dealership and he knew nothing about such information. 
On XX/XX/XXXX at XXXX pm I contacted XXXX XXXX for information. I was advised by XXXX XXXX that a check for {$1300.00} had not been cut as of yet. The checks are cut on tuesdays and that it would be mailed on my behalf to XXXX XXXX. She looked through the notes and it was not stated as to why this was closed. 

I have since not spoken to finance office in the Dealership. 
I was advised by another Dealership that XXXX will try to make me pay for mileage and not return my money. 

I feel this is not fair practice in regards to my contract, as I am not the one the breached or cancelled.

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 2019-10-08 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to dispute a billing error in the amount of {$520.00} on my account. I would like a FULL REFUND NOT PARTIAL. The amount is inaccurate because XXXX XXXX is no longer allowing customers to travel to XXXX due to a travel ban issued by the President of the United States. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

You have access to my account charges to show the full amount charged and the amount that they are refusing to credit back to my card that supports my position. Additional I have attached an article by the XXXX XXXX that states that the President of the United States has banned traveling to XXXX making it illegal to do so. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely,

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: White Jacobs & Associates
State: MD

Complaint narrative:
On XX/XX/2018 I signed up and was required to pay a fee for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00}. This fee was paid prior to any services being rendered. The very next month and six months following, I was required to pay {$100.00}. The FTC Credit Repair Organizations ACT ( CROA ) states 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts White Jacobs and Associates practice, and is in direct violation, as I was required to pay a large sum of money ( {$890.00} ) before any services were ever initiated. This company violated the FTC Credit Repair Organizations ACT and I want reimbursement of the {$890.00} I was required to pay before any services were rendered.The monthly {$100.00} I was required to pay to have them actually audit and dispute my tradelines I feel they should keep as that was during the time services were provided. However, the {$890.00} was before any contracts were signed or work was performed - again, direct violation FTC Credit Repair Organizations ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Alliant Capital Management LLC
State: UT

Complaint narrative:
I received a phone/voicemail call on XX/XX/2019 asking for my ex-husband to called back. I called to tell them that they had the wrong number and that I do not know anything about what was going on. or the person they were inquiring about. I asked them to take me off their list, and they said that they would not and that they would continue to call unless I gave them the information they were searching for. 

They asked me if I knew the person and I told them that it didn't matter if I did or not, i just wanted the calls to stop. I told them that it didn't matter whether I knew the person or not, It is not even my issue and they are harassing me. They called me a liar and said that the calls would not stop. 

I have had a problem with debt collectors before for my Ex - I know nothing and I do not want to be involved. Now they have started over. If I block the call- they call back on another number. The message said that it was XXXX XXXX from Alliant Capital, when I called back for the name they said Capital Management. 

Phone Number that called today is XXXX. They requested that I call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Hello, I am being called 4+ times a day until my car payment is made with XXXX XXXX XXXX. It is due on the XXXX and I am called 4+ times every day until the XXXX when I can pay the bill. I am also occurring interest every month from the XXXX to the XXXX and because Ive moved my payment date twice, they will not allow me to move the date again. Ive had the loan for almost 5 years and it has only been paid about XXXX XXXX  due to this interest Im getting added on every month. 

The calls are the most frustrating part. I also requested to not be called during the XXXX and they are still calling multiple times a day, at all hours of the day.

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 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is an on-going issue that's been going on since XX/XX/2018, under Certified Mail # XXXX when the respondent received my complaint ( Exhibit A " Letter to Update Information XXXX ( Official ) '' ). Experian has ignored my request and continues to leave variations of my name and old addresses that I've asked them to remove ( Complaint because of past legal problems I've experienced with old addresses. They continue to report that information even though legally, they have a responsibility to remove what I ask them to. The report belongs to me so I get to dictate how I want all my personal information is reported! They are openly violating Fair Debt Collection Practices Act 807 ( 8 ) and Fair Credit Reporting Act 623 ( a ) ( 3 ). Attached is their most recent credit report still showing the variations of my name and old addresses showing.

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 2019-10-08 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: NC

Complaint narrative:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.

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 2019-10-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.

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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The collection agency levied my bank account without any indication of a debt that was owed. I tried to contact them to get information and they indicated this was for a account from 2004 in which they confirmed that the address on file was not my address and that by any means tried to get a hold of me by searching my correct address or phone number. I was not aware of this debt, in addition there was no reflection of this debt showing on my credit report. This company didnt provide me with information to rectify the situation or to try and resolve this debt. Had I know of it I would have made ways for arrangement. For the past 15 years this company has not sent me any notice of debt or reported it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
It has come to my attention that payday loans are prohibited in my state ( California ). Therefore, the loan contract that I have with Amplify Funding, according to my state 's laws, is not enforceable. They are charging me 656.48 % Finance Charge for {$1200.00} Loan. I have emailed them and they have not yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
on Thursday XX/XX/19 I submitted my pay check for {$520.00} to my bank, they put a hold on it on Friday XX/XX/19. The deposit is still on hold and I have bills to pay. When I contacted my bank to ask about the hold the basically told me to wait it out and that it will expire on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have been trying to resolve my mortgage situation with Wells Fargo for almost a year. My hardship started when my mother became sick and I had to take care of her. I cared for her until she passed. During this time, I had exhausted all of my resources to comfort her and to keep her with us as long as possible. As I became behind on my mortgage, I reached out to Wells Fargo for assistance. They gave me the runaround. After asking for documents excessively, they denied my review by saying that I made too much money for assistance and they demanded that I pay my past due in full. I neither had the money nor made so much money to do so. 
I applied a second time and again ; they dragged things along, again and again for months. This time, they concluded that I made too little money and could not afford my home. And here I am, months into this even further behind and again demanding the past due in full. 
I applied a third time. This time I had better income. I had rental income that is being generated and I provided all of this information. They once again dragged this out and concluded that I can not afford my home. The excuse they made was that I did not provide documentation for the rental income. Why did they not ask for it? In the past they almost harassed me with constant document requests. I would have provided whatever they wanted. I feel that they did this on purpose. 
After this denial, they allowed me to appeal. So, I took the opportunity. This time, the bank statements were included with the rental deposits highlighted and my payroll highlighted. I also included my lease agreements to further back this up. 
Again they denied me. The lie this time was that I did not provide the documentation to verify my income. This is a lie and I feel that they are trying to take my home from me. How can they ignore such hard evidence? At this time, I am livid and disgusted at the way Wells Fargo has treated me, how they have lied to me and how much they lack in morals. They have affected me mentally and emotionally. I am always on edge and constantly in stress and it is also affecting my health. 
I want to apply again because this home is all I have. I am reaching out for help. I want Wells Fargo to stop harassing me and to allow me to resume making my mortgage payments. I want them to acknowledge the documentation provided and to stop this charade so I can move forward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: FL

Complaint narrative:
THE ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, THE ACCOUNT ARE BEING DISPUTED DUE TO THE ACCOUNT BEING INACCURATELY PLACED ON MY CREDIT. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
On XX/XX/2019 western union took {$320.00} out of my XXXX XXXX   account. This was not an authorized transaction. Western union stated since the money was picked up the transaction was valid. My bank issued a fee reversal only to be rebutted by western union. My email which was allegedly associated with western union is on the dark web and data broker sites so all my demographic information is out there. During the time of this alleged transaction, I did not have a working phone. I understand western union has to verify the information but I dont know how they did when I didnt have a working phone. My phone was compromised and I couldnt make calls out or receive them. XXXX had to restore my phone so I can make and receive calls. I couldnt even send or receive text either. I faxed 12 pages to XXXX after I opened the claim again. The fax shows my emails and demographics are on the dark web and data broker sites. Western union didnt do anything. Their position is the money transfer was picked up therefore they have no further liability. Western union is a  financial clearinghouse for dark web transactions so they dont really care. They shouldnt be allowed to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-08 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
After closing on this loan I contacted the XXXX XXXX District office and provided a signed copy of the deed, copy of ID with the new address and a Verification letter from the military showing that I have a service connected disability rating of XXXX XXXX. I filled out their application and they gave me a letter stating that my exemption was approved. Once I got that I gave it to the mortgage company and asked them to quit collecting for tax and refund the money in my escrow account. 

They finally verified the exemption and gave me a escrow refund but are still collecting for taxes each month. Then when I tried to make the payment of XXXX which included taxes I reluctantly made the payment knowing that I was going to have to spend a lot more of my time straightening out getting my money back from them. Then the next day it still had not been deducted from account so I got back online and it showed a different amount of {$1200.00} that obviously still included taxes because principal and interest plus insurance should be approximately {$970.00}. So I made that payment thinking that they didnt take the first payment of XXXX The day after that they took thee money from checking of {$1300.00} and the break down showed that the paid {$1200.00} for principal interest taxes and insurance and then just took it upon themselves to apply. {$140.00} toward principal balance without my permission and then gave me an escrow refund of {$1500.00}, further proof that they know of this exemption. I called them and explained this so I could avoid them drafting another payment of {$1200.00}. Why would I make two payments at the beginning of the month when that wasnt the contract agreement to start with? In addition the is another payment toward taxes that I dont owe and the know I dont owe them. Them taking this additional caused my checking account to go into overdraft which my bank charges me for. Of course everything and Wells Fargo takes ten days or longer to figure out which gives them enough time to grab as much money as they can. 

Now Im thinking they created RESPA laws to keep these companies from having these shady practices but it seems that they have found a way around it. I got an escrow refund which proves they know of my exemption but they are still collecting for tax? Its also very apparent that I cant trust them with my banking information either. Giving them access for direct payments would be stupid. And since they collected more money than they should it starts this process of getting my money back all over again. 

Im not making one more payment on this loan until they give me my money back and change the payment to the correct amount. I dont care what it does to my credit and they can have the house.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: WA

Complaint narrative:
XXXX XXXX at Selene Finance tells me that my short payoff was denied but refuses to put in writing. We know this part of the fraudulent appraisals scheme and request the decision in writing.

Company response to consumer: Closed with explanation