vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
Due to mechanical problems, I borrowed {$1000.00} to make a down paiement on a car with a payday loan company Amplify funding on XX/XX/20 with an interest charge of 734.73 % and finance charge of {$2200.00}. Payments are due every 2 weeks for {$260.00} starting XX/XX/20 which is not only ridiculous and a rip off. I didn't realize that until after I signed the contract and reviewed it more carefully. The maximum interest rate a bank can charge in Colorado is 36 % and this bank is tribal and not licensed in Colorado. There's no way I can afford those payments on my current income as I have rent, car payment, insurance and other Bill 's to pay. This bank should not be as allowed to be in business and ruins peoples credit. I am already struggling and the last thing I need is to have debt with high interest and payments I can't afford. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am trying to clear my loans as quickly as possible and this company finds every reason possible to put loans into forebarence and deny loan forgiveness applications. I have called them numerous times asking to never be put on forebarence and every 6 months they do it again with another reason. I request again in writing and they never respond. Meanwhile, I rack up interest on the payment amount that would've been taken out. I try to get loans forgiven under teacher service grants. Everytime I submit paperwork, they find something wrong, I correct it, they then find anotehr things wrong extended the process again rather than put all the incorrect items out there at once. This company is XXXX and is just trying to keep the interest flowing as long as possible so they can continue to collect more. They are clearly not there for the customer, purely to create problems for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XX/XX/2019 I called Midland funding LLC at ( XXXX ) XXXX asking to remove my dispute on the behalf of XXXX law. Wanting them to report to my Credit bureau that I no longer am disputing this matter. I was told they were going to remove the dispute and report it. I am unable to obtain credit because they failed to report this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Tab services of XXXX is collecting debt with out authorization they have not prove they my hippa letter signed by me to have full medical. Privacy 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 2020-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Through the years and countless times we have discussed my situation why I was not able to pay any money because of my illness. In XX/XX/2015, I had XXXX to remove a XXXX from my XXXX  and was no longer able to work. I told them this several times, but they continue calling and asking me for money that I don't have. I am still under doctors care.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a Bank of America credit card. The person selling the card advertised the card as a 0 % card that came with the bonus of a REFUND on all the interest I paid on a credit card. XXXX was the amount quoted. When I asked them what was their business model, they said it was a promotional offer. On the first billing cycle I was billed for XXXX and as a result I cancelled the card immediately. The dispute has been going on ever since. The transaction for the XXXX was initiated with an access check which I could not have written. The date on the check was XX/XX/2019 and cashed on XX/XX/2019. I have proven to BOA that I was in XXXX when this check was written. See attached documents to verify this. They still claim I am responsible for the XXXX. This is outrageous. I document the history of the correspondence I have had with BOA below.

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 2020-01-29 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Trying to set up bill payment to pay for utilities and credit card balance. Every time I try to do that, the Ally bank website won't load and pulls up a blank page. I escalated over 3 calls and multiple chat sessions and no one is able to resolve the issue. I was told this is a 'known issue ' and they are looking into it. No one is following up or reaching out even though my bill is coming due.

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 2020-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed this account and the account was removed from my credit reports. However as of XX/XX/2020 the account reappeared on my credit report only now is listed as a closed account with a late payment in XX/XX/2020. This XXXX XXXX account has not ever been late and is currently an open account with the XXXX Domestic Relations Court. The account was unverifiable and now is being reported again inaccurately.

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 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
About 18 months ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. The most recent issue is a TD BANK calling my sick mother asking for me to pay for a debt i gave my all too and still ended up falling behind and closing 9 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed several accounts on my records, they show as close or dismissed, yet Equifax, XXXX, etc, still keeping my credit score low, etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
About 2 years ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. CitiBank has called me and my sick mother so much we had to change our phone number, asking for me to pay for a debt i gave my all too to the point of emptying out my savings in hopes that life would get better, but still ended up falling behind and getting the accounts closed. 
The sad part is that I gave my all to this company when I worked for them and I lead in productivity and so many other aspects of the job on the XXXX team in XXXX XXXX. But due to budget cuts they had to let me and a few others go.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
The American Automobile Acceptance Corporation ( AAAC ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the American Automobile Acceptance Corporation have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the AAAC is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, AAACs four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: TX

Complaint narrative:
XX/XX/2020 To whom it may concern : I would like to file a complaint against two collection companies, Alpha Recovery Corp, as well as XXXX XXXX XXXX. 

I received a letter today from this alpha Recovery Corp, in which they are claiming that I owe a collection debt from XXXX XXXX XXXX, in the amount of {$1600.00}, for an account ending in XXXX. 

I want to make it clear that I do not owe this debt, I did not owe XXXX XXXX XXXX   any amount of {$1600.00}, if this is what they are claiming, this is not true. 

If this business has placed this fraudulent charge amount onto my credit files, I want all derogatory information removed, and I would like a letter on their letterhead showing that this has been done. 

I want this company to provide me with their license numbers and Registered Agent documentation. 
As well as proof that they are licensed to collect in my state. 

They are slandering my credit with this misinformation, and I want to consult with an attorney about that. 

Also, I want all communication from them to come from them to you, and you can contact me. 

Also the name as how they are writing it on this collection account is not my name, there is no hyphen in my name, and I want that corrected. 

I do not owe this charge amount, and I want my name cleared from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I leased XXXX  XXXX on XX/XX/XXXX.

I paid {$2600.00} in down payment which includes the first-month lease amount.

I was expecting the first bill around XX/XX/XXXX.

I haven't received it fro

m Hyundai until today. I called Hyundai salesman at the dealership who helped me getting the vehicle and he disconnected the call sending a text message " I will call you back ''. ( I have proof of the messages ).
After a few days, I called him again to receive the same text message.

I sent him a message explaining about the missing bill to explain the issue.

After a few days, I called the dealership number and reached the finance team which went to the voice message system.

This kept on happening and onXX/XX/XXXX, the car was repossessed from my apartment complex parking lot. 
I called Hyundai care to disable car movement if they can and they suggested to raise a police case and provide the case number.

I went to the police station and they told the vehicle was repossessed.

I called the Hyundai care again and told them about this and they gave number of recovery team. It is closed for Saturday and Sunday.

Monday morning I called the recovery team and asked them I haven't received the bill and I was trying to reach the dealer and salesman but no help. 
They went through the records and found the mails sent to me were bounced back, they noted my email ID wrong. They were contacting my employer 's phone number which I don't have access to. I gave it when they asked for employer details. 
I haven't received any communication on how to pay. 
They told me I need to pay a {$370.00} repossession fee and a lot fee which came to {$210.00} and police repossession clearance {$15.00}. 
I asked to waive the fees because it was not my fault for not reaching the right number. I called my first point of contact ( Dealer ) but no use. 
I pleaded them and left multiple voice messages to their manager XXXX XXXX but no use ( he never responded ). They know it is their fault but they say it is their process and I need to bear the {$600.00} for repossession charges. 

I have uploaded the sale document for reference.

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 2020-01-29 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: CA

Complaint narrative:
In XX/XX/2019 my card was stolen. There were lots of charges. Citi notified me via phone and text that my card had many charges and asked if I recognized them, I said no. They disabled my card and gave me credit for charges that werent mine. 

Suddenly in XX/XX/XXXXthey reversed the charges for 2, with out explanation, and I have called Citi Fraud Department over 10 times trying to get someone to explain to me and also get them to reverse the credit.

Citi Fraud keeps telling me that someone will call me back, and they dont. That the investigator is on vacation but its been over 4-5 weeks now. I have a high balance on my credit card and NO explanation for it.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( Equifax, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XX/XX/XXXXfour-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.

Company response to consumer: Closed with explanation