vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
I am writing concerning my wife and I auto loan with US Auto Credit. Since XX/XX/XXXX, my wife and I have been with this company and financed two auto loans with them. One of the vehicles was paid off early in XX/XX/XXXX timeframe which they gouge us for extra money. Which they pretty much charged us full interest as if it was not paid in full two years early. Secondly, since we have been with this company all our payments have been made on time and no missed payments. The issue that my wife and I have is they constantly harass us over a car payment every single month. With excellent payment history as being reported by our three credit bureaus report. Why are they harassing us monthly over payments? 

Furthermore, on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX they called my contact number of XXXX. I told the person that I spoke to who asked XXXX questions to verify my identity of XXXX XXXX XXXX XXXX that you get your payment every month and stop calling or harassing. Which I also asked what my total balance is. They said it is {$1500.00} I told them when the final payment is made. I will harass or call them every day until I get my title to the vehicle. So, they can see how ridiculous it is to do something like this. Lastly, I have provided proof of payment made on XX/XX/XXXX for {$300.00} along with a receipt acknowledging the payment. On XX/XX/XXXX at XXXX they sent an email listed as XXXX XXXX payment is due. 


Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and XXXX continue to post 90 day lates each month from the company. In addition, the close date is only shown on Transunion and not XXXX or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX and XX/XX/XXXX is shown on Transunion. XXXX  doesnt show anything. XXXX and XXXX do not show a high balance but Transunion does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

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 2021-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
.I have sent over certified letter asking XXXX to verify this debt they refuse to send me anything regarding this matter or debt. I have sent numerous letters to XXXX to let them know that they did not verify this debt, they are misrepresenting verifying this debt because I have not been able to locate anyone. XXXX are stating that they verfied but that is not accurate. Under the FCRA they are suppose to validate this debt which they refuse to tell me how they have verified this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. XXXX and Equifax continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not XXXX or Equifax. The date of last activity is listed as XX/XX/XXXX on Equifax and XX/XX/XXXX is shown on XXXX XXXX  doesnt show anything. Equifax and XXXX do not show a high balance but XXXX does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: GA

Complaint narrative:
XXXX XXXX is a charged off account from XXXX. The company continues to report a past due balance. Experian and XXXX  continue to post 90 day lates each month from the company. In addition, the close date is only shown on XXXX  and not Experian or XXXX. The date of last activity is listed as XX/XX/XXXX on XXXX  and XX/XX/XXXX is shown on XXXX. Experian doesnt show anything. XXXX and Experian do not show a high balance but XXXX  does. 

My FCRA rights are being violated and the account needs to be immediately removed. This account has been reinvestigated multiple times and is not being corrected which violates my FCRA rights in section 611- more specially how to handle inaccuracies and unverifiable information. It is clear that each reporting agency hasnt done this with previous investigations. 

My attorney will file a lawsuit in XXXX XXXX, GA because this is harming my changes of obtaining a mortgage. 

Remove this account as enough time has been provided to give accurate information.

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 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Absolute Home Mortgage Corporation
State: NJ

Complaint narrative:
Lender did not provide appraisal despite signature on previous paperwork that we would like to receive a copy. They charged {$470.00} to my credit card account on XX/XX/21 ( today is XX/XX/21 ), but we never received the report. We are now one business day away from closing and have been unable to secure it. Lender has been generally unresponsive to our requests and has been otherwise hard to work with, but this clearly breaks all agreements and documents we have signed thus far.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: OH

Complaint narrative:
XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor. 
2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof on how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX, an ACH withdrawl that I initated in the amount of {$1400.00} posted to my account. The ACH was declined by the receiving party and the funds have not been returned. I spoke to a CSR at BOA on XX/XX/XXXX and she instructed me to fill out a ACH return form which I did and email to BOA. I followed up on XX/XX/XXXX to inquire if any action had been taken on my claim. After spending over 1 hour on the phone, being transfered from one dept to another and having to verify my identity everytime I spoke to someone new, no one mentioned anything more about a claim. I was put on hold the final time while the CSR researched it with the ACH dept. I was told to call XXXX and give them the tracing number. Though I feel that BOA should do this on behalf of their customer of 24 years, I did not want to spend any more time on hold and noted the information given to me. I called XXXX and after a recording, the phone hung up. So I spent over an hour wasted and no progress. I called the merchant again and they advised me that the transaction was declined and it should have been sent back. Why it shows posted in my account I do not know, but I feel that BOA is not taking this matter seriously and taken action on my behalf. I need BOA to resolve this ASAP. BOA is showing the transaction as posted and they need to trace as to where it went and have the funds returned. It is fine hearing the on hold recording on how valuable a customer I am but action on my behalf will actually show the value. Please advise on this situation. 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 2021-04-17 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: OH

Complaint narrative:
I looked my credit reports up & noticed a few incorrect accounts. They do not belong to me. The accounts need to be deleted from my credit reports immediately. Once again, this affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : 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 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Car loss accident the dealer I purchase the car from unable find my account because company was sold to new owner without my vehicle leasing info. Dealer not able to find my warranty and gap info in time. Car purchased with gap insurance and extended warranty I was charged additional fees due to Nissan dealer investigation time and mistakes. I am charged more than {$2000.00} additional fees due to Dealer s not able to find the car info. I want Nissan to remove the additional charges and report the mistake to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo keeps reposting a charge that has been paid for an online order preventing me from closing my account. I placed an online order with XXXX on XX/XX/21, payment was received by XXXX on XX/XX/21, the order has shipped XX/XX/21 at XXXX pm. Wells Fargo changes the pending date every day preventing me from closing my account, the account cant be closed if theres a pending transaction. Its misappropriation of funds, XXXX has been paid for the transaction {$14.00} I receive my merchandise on the XXXX. I have withdrawn all funds from my account, direct deposit has been redirected to another account. I want nothing to do with Wells Fargo they are crooked and dishonest, underhanded.

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 2021-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Citibank Credit Card applications to find out the status of my application, that was referred to me from XXXX, due to my exceptional credit score. 

I talked to XXXX, whom informed me that my application was denied, due to not being able to identify me. Case closed, ( See enclosed XX/XX/XXXX letter ), I was shocked to find that I was not allowed, ( trusted ), to identify myself, denied a way to fax over a utility bill, or ID, notary, something, to complete the application. I asked to talk to a supervisor, after a few minutes on hold, I was informed that XXXX was using some kind of security website, ( unknown ), and that I was found on it, and a phone number was listed next to my name, and XXXX was to call it, and if I answered, then my application would be cleared, but, if I did not answer it, then I would denied approval. 

I expressed some common sense here, stating, what if that number, ( which I did not know what number it was ), was disconnected, old, discarded, not mine, whatever, and again I was informed that this was their policy, and I was to be denied approval. 

Well, I wished XXXX good luck on that, and expressed that I spent too much time in this rabbit hole long enough. 

On XX/XX/XXXX, later that day, I finally found the Office of the President of Citibank, ( XXXX ) XXXX, and talked to XXXX XXXX. 

I explained the above to XXXX XXXX, and he seemed understanding, and asked for some time to INVESTIGATE the situation further, and he would contact me with his findings. 

I called his direct line, and left a message on XX/XX/XXXX, asking for an update ; I never received a callback, as a matter of fact, as of the writing of this complaint, XXXX XXXX, never contacted me again. 

On XX/XX/2021, I called XXXX XXXX, again that went to voicemail, ten minutes later, I received an email letter from his department, ( See letter dated XX/XX/XXXX ). 

That letter dated the XX/XX/XXXX, is the same response that was the same as, when I talked to XXXX on the XX/XX/XXXX. 

In fact, that XXXX XXXX, did nothing, but waste time.

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 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I paid the {$500.00} deposit to refinance my home to XXXX on XX/XX/XXXX. I was told the process would take approx. 6-8 weeks. I agreed to a 2.5 % rate with total closing points at {$3600.00}. I received notification that the loan was closing on XX/XX/XXXX and that I needed to review the closing disclosure. I did so but heard nothing for weeks about signing with the title co. I called my loan officer several times and was told they were working on a few items but that this would close soon. I called the title company and they said they were all set to close, waiting on the lender Amerisave. I received another closing disclosure on XX/XX/XXXX from Amerisave which increased the closing costs to {$13000.00}. I was told they continued to work on closing but for some unexplained reason they were unable to close. I complained about the change in closing costs and they ( XXXX XXXX and his boss XXXX XXXX XXXX said they were working on a {$4000.00} credit for me. I asked for daily updates which I received occasionally saying they were still working on it and it would close within a day or two. So here I am on XX/XX/XXXX ; they ( XXXX and XXXX XXXX claim they have not received a payout amount from my current mortgage company XXXX. I called XXXX and they assured me the payoff amount was sent to the requested fax # on XX/XX/XXXX. After a conversation with XXXX XXXX who claimed they have not recieved this information I called XXXX back and asked them to send the payoff quote to XXXX XXXX directly. Best scenario would be to close the loan I originally agreed with- disclosure XX/XX/2021.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
My original loan was sold to Flagstar Bank. Since then, Flagstar has been adding fraudulent late fees on my account. I called about it and was told they would remove it and its still occurring. It started months ago when my escrow fell short. I had the option to pay the difference or have the mortgage go up to make up the difference. I attempted to pay the difference using their online system but they said the payment didnt go through because either the account number or routing number was wrong. Once this happened they sent the payment attempt ( which was optional ) to collections and I had a collections department call me about less than {$50.00}. Since then, theyve assigned a fraudulent late fee to may account that is rolling over every month and causing more fees. Ive never been late on a mortgage payment and use the same bill pay Ive always used. When I spoke to a rep, they said my payments have been on time. This escrow collection and late fee is erroneous and attempt to financially penalize me despite never being late.

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 2021-04-17 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: OH

Complaint narrative:
All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX  2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX  5 ) XXXX I am 100 % sure that XXXX, TransUnion, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, XXXX, and TransUnion has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.

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