vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I received a check for {$20000.00} from my bank ( XXXX XXXX XXXX XXXX ) and sent it to the lienholder on my ( American Credit Acceptance aka ACA ) via XXXX ( tracking number XXXX ). ACA received the payment on XX/XX/XXXX @ XXXX am. It was signed for by XXXX XXXX. I sent it to the address given to me by customer service, which is XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I called to follow up several times and get the same run around. Now they want the check number, which is XXXX. They are still giving me the run around as I am on the phone with them right now and have been everyday for two weeks trying to reconcile this. 

On XX/XX/XXXX, they sent a letter saying I was in default of the loan. I received that letter the day after I made a payment because I didn't want the account to go 30 days past due. 

I do not know what to do! I have had 30+ automobiles and this is the first time I have ever experienced this. I have exceeded the 10 day payoff period quoted to me and passed to my new financial institution and am now paying more interest on the ACA loan because they are claiming they do not have the check. 

What do I do? It seems that they are just running me around. Please help.

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 2021-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( Costco ) Reward earned over {$100.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$170.00} XXXX XXXX XXXX XXXX XXXX Reward earned over {$200.00} All three cards by Citi were canceled on XX/XX/XXXX without any warning. We were told that we would loose all the reward $ $ that we had already earned based on our purchases. It amounts to over {$470.00} as broken down above. How can Citi take away our reward $ $ that we had already earned. 

I wrote to them but their response was the same - - - stating that it was in the contract. Well it is an unfair contract and it must be in the fine print that the consumer never sees. 

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 2021-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
Nissan Motor has violated the Truth and Lending Act section 162 15 U.S.C. 1666a- Regulation of Credit Reports. Nissan Motor is reporting to the Consumer Reporting Agencies that I have a delinquent account, which I have already dispute this account with Nissan Acceptance Motors. This is not my account. They are also in violation of section 112 15 U.S.C 1611 - Criminal liability for Willful and knowing violation. They are willfully and knowingly giving false and inaccurate information to the Consumer Reporting Agencies, which is hurting my consumer report and causing me to get denied for credit. Nissan Motors is also in violation of United State Code1692g -Validation of Debt. I plan on filing a complaint with the Attorney General of my state and with the XXXX. If Nissan Motor does not remove the Nissan Motor account from my consumer report I will take legal action and file litigation against Nissan Motor in my state and county court. I submitted a CFBP complaint about Nissan Motor XXXX XXXX 2021 and Nissan Motor responded saying they could not find an account in their system with the information I provided but yet they are still reporting this account to the Consumer Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-06-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Navient has been harassing my family and I regarding my student loans. They call 4 to 5 times a day during peak work hours when I am unable to answer because I am working with patients. They also call my husband at his place of employment. 
I was available to speak to them finally today and when I did they told me I owe on my loans as well as charging interest and fees in spite of my Navient Federal Loans ( 2 loans ) being FFEL loans which as I understand fall under CARES Act for suspended payment and charges until XX/XX/2021. 
In addition to the 2 FFEL loans, I DO have a private Navient loan I co-signed with my husband. I pay monthly on that loan in the amount of {$100.00}. 
Can you please assist me in this situation? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Covid-19 happened. My business has closed because of it. 
Yes. I owed money to them and paid what they asked. Presser, felt & warshaw ( XXXX XXXX XXXX. ) has sent me a certified letter, FAILURE TO COMPLY WITH THIS INFORMATION SUBPOENA MAY RESULT IN YOU ARREST AND INCARCENTATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.

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 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
The debit card listed as the payment method on my XXXX website account was cancelled in XX/XX/2021. I did not pay the debt on my account until XX/XX/2021, which was {$28.00} at the time. I called XXXX directly, gave them my new card number, and paid the debt on XX/XX/2021. Despite this, I have received multiple letters and phone calls attempting to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
XX/XX/XXXX, Select Portfolio Servicing Inc, sent a letter showing the lien holder had released any claim or lien on my mortgage # XXXX secured by my home at XXXX XXXX XXXX, XXXX, LA XXXX. I was not aware of this and continued to make my mortgage payments until I received a letter from the IRS auditing me for debt cancellation that I was unaware had been reported. I contacted Select Portfolio Servicing ( SPS ) to find out why they continued to collect my payment. I also requested that I be refunded those payments dating XX/XX/XXXX up until XX/XX/XXXX. This request was put in on XX/XX/XXXX at XXXX pm via XXXX, where I consented to record our conversation about this. On XX/XX/XXXX at XXXX pm I followed up to get an update and spoke with XXXX and said that the request is taking a little longer because they have to go back so far. On XX/XX/XXXX at XXXX on a recorded line, I spoke to XXXX and was informed that SPS will not be refunding me any of the payments they received after the debt was cancelled. At the age of XXXX, I feel like they have taken advantage of me and my level of understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to race and gender as my score is drastically different than my XXXX counter parts who have much more debt than I do

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 2021-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have been a Citibank customer for many many years and I had applied for a personal Loans and was denied. My fellow co worker down the same and they got approved and their credit was worse than mine and I honestly think I was denied because of my XXXX and XXXX XXXX. I feel there are very unfair practices with then. They separate me by XXXX and 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 2021-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I AM BEING SUED BY XXXX XXXX XXXX FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax reporting agency is not complying with the fair credit act.. i have submitted atleast 4 times a dispute for XXXX medical bill for XXXX  XXXX  XXXX. Ive have countless conversation and always promise it will be resolved and yet they never look into it, they want to get me off the phone. 

In addition, i sent in my photo id. ss card to them numerous time to remove inquires that was unauthorized on my report. again no one wants to take the time to assist. 

XXXX  and XXXX  received the exact same request! and removed it off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received a phone call and they left a message threatening law suit and contacting employer etc., for a " Citi Financial '' debt that was owed by XXXX XXXX, unless I call the number they left me with a reference number of the collection notice. I have blocked the number but they keep using different numbers to call from. I have the phone number they want me to call back at and a " File number '' they left me in a message. The person sounded like a male XXXX XXXX, during the first call that I returned to number XXXX and subsequent calls were by a person sounding female XXXX  person. 

The phone numbers of these calls are as follows : XXXX XXXX - 1 XXXX other number - XXXX File Number they provided was XXXX When I called unknowingly first time to the XXXX number listed above the Male XXXX American was very threatening and telling me that they will go to my employment place or home to collect!! 

I called Citi Bank with whom i had a Mastercard credit card, and they said that my credit card balance has been XXXX  for past 4 years and that there is no outstanding balance on my card which has since been cancelled. They took down the XXXX  number from me and told me they will investigate that caller ( s ).

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 2021-06-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

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 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to XXXX and XXXX as my score is drastically different than my XXXX counter parts who have much more debt than I do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I purchased a new Honda through honda financial services XXXX Account # XXXX XXXX and I set up recurring payments on their website for the XXXX  of every month. That was one of the earliest dates that was available. I checked my statement and I have two late fees because my payment was set up for the XXXX by Honda finance. The system did not provide any indication that my recurring payment would cause me to go late on my payments. I have a fico over XXXX and I have paid 2 payments above the minimum. I dont understand why they would allow me to set up recurring payments before my payment is due and not notify me that I would then be considered delinquent. This seems like unfair or deceptive behavior where consumers are harmed by not being properly informed when making payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
After refinancing my mortgage a payoff was made to the original lender, Arvest Central Mortgage. The payment to Arvest was {$3000.00} over the payoff amount. Arvest 's policy is to deposit those funds into the escrow account and hold them for three weeks ( 14 business days after the payoff and then several more days to mail a check ). These funds were never earmarked as an escrow payment and I informed the lender that they are holding those funds illegally. They claimed that they are within their rights and it is their general policy to hold all excess funds for 14 days after a payoff. As per my mortgage terms I did not agree to their holding non-escrow funds after a payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
3rd party collections called, harassed, shamed, yelled and ridiculed me for my loan debt. Agreed on settling the debt with upfront payment my mom borrowed from bank and then automatic payments for 5 years monthly of XXXX. Now years later, Sallie Mae is showing no payments or any updates to my account showing that I made all payments in full per agreement years ago. Now my credit is bad due to their lack of records of my payments and I no farther ahead with payments since they don't awknowledge my payment records. Sallie Mae loans in my name should be paid full as per agreement but they're not accepting previous agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: OH

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
CNAC representatives say I owe over {$9000.00} to them for a vehicle I have not had for 8 Months now and even with showing physical letters that were sent to me by them with dates, and also submitting Disputes it remains on my Credit and has stopped me from getting another Vehicle from anyone else, I have been without a vehicle for over 8 months and my Credit took a Huge hit from this Debt that I have Proof I owe them {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: GA

Complaint narrative:
Account : XXXX XXXX TransUnion # XXXX ; XXXX # XXXX I'm not aware of this debt. Never had the opportunity to dispute ... If the XXXX XXXX feel they provide this information to me, please provide the Certified Mail Receipt. In addition, please provide Validation of Debt as well.

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