vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Avid Acceptance, LLC
State: OH

Complaint narrative:
I have had nothing but issues with Avid acceptance dealing with their customer service and how their staff treats the consumer. My account manager at Avid acceptance has been unprofessional, rude, plain out terrible. My car note payment is due on the XXXX of each month, And because of how my income I have coming in, I have been up to 10 days late for the last few months however based in my contract I was told that there's a 10-day grace. Before a late fee occurs recently for my payment that was due XX/XX/XXXX I was late about 5 to 6 days before I received a email from the account manager with Avid acceptance who I advised a supervisor that I dont want contacting me at all. I have spoken on multiple occasions with representatives there in their office asking for this account manager not to contact me do to her unprofessionalism that she has shown on multiple calls we've had the last communication with her happened in XX/XX/XXXX where I had some vandalism to my car and I requested for a deferment for that month in order to have the repairs done and not fall behind on my car note at that time.When I called Avid Acceptance she started yelling at me and hung up on me that day, I spoke with supervisor but was told the deferment was approved, however in the email I recently received XX/XX/XXXX again because I was past due on my XX/XX/XXXX payment I was threatened with having a post deferment review which I don't even know the definition of that but it seems as if their office wants to back out my deferment for my XX/XX/XXXX payment when it was approved prior to this situation. I was only 6 days past due for my XX/XX/XXXX payment and to send me an email about my deferment from XX/XX/XXXX will be under review, I find this is deceptive practice and I've asked for a manager to call me and I still have not received the call to this day, I dont think anyone should receive emails with this type of request period, especially when you are 6 days past the due date when in your contract you were given a 10 day grace period before a late fee, this company is absolutely the worst and i will continue to make complaints against them when something that seems deceptive and unfair happens. I was also told that a manager approved this email prior to sending it out. Also my account has been paid current as of XX/XX/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 2020-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
I closed on a refinanced mortgage with Loan Depot where the cash to close was not correct due to the amount owed on my existing loan didn't match what they had on their paperwork. This mismatch was due to the fact that I made a payment on my existing loan in between the time the paperwork was created. When I brought this up I was told that I would be refunded any differences between what my closing costs where and what I actually owed on the house. After the closing the closing costs + what I owed on the house + what I was refunded - what I was owed on the house do not match up. From my calculations I am still owed approximately {$940.00}. I have reached out several times to Loan Depot and they refuse to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX 2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the wrong hands.

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 2020-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: IL

Complaint narrative:
Dear US Dept Of Edu and Mohela : Thank you for sending me your internal records of the debt ( US DEPT OF EDU ) Account # XXXX ( MOHELA ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and fraudulent actions. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove and DELETE the accounts that were opened by fraud as per FCRA Section 605B ( a ). This fraud under my name and personal information are unacceptable. The listed accounts are unknown to me and they are inaccurate. My payments have been stellar and I dont remember missing a payment. Please block or remove these accounts from my credit report, pursuant to the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention on this matter, and will wait for your response. 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 2020-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
negative report on credit that is not mines and I was never notified or sent anything about this debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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: TX

Complaint narrative:
This complaint is in response to CFPB Case XXXX. 

I submitted a dispute with Citibank this summer. I submitted the dispute under the wrong classification/category. I have tried for MONTHS to change the classification/category of the dispute, but Citibank is failing to acknowledge that. 

I submitted a complaint that Citibank was not acknowledging my request for a change in dispute classification/category. Their response to XXXX was irrelevant, and did not mention my attempts to change to the correct classification/category. 

My repeated attempts to remedy this situation with Citibank has been futile. 

-- -- -- -- -- -- -- -- -- -Here is a hypothetcal scenario to describe what I have been going through : - You decide to go on vacation to the mountains of Colorado . You find an XXXX-XXXX  and rent a house for 2 weeks. 

- Upon arrival, you find the house in great shape - just what you were looking for. The - house is warm and cozy, perfect for the frigid Colorado nights. During the day, you enjoy going out to hike and explore the countryside. 

- You do this for three nights. However, on the fourth night, you arrive at the house to see that the house is closed. The locks have been changed, and you no can longer stay the night. 

- You contact the owner and he says hey has closed the XXXX. He is pulling out of the business, and refuses to give you back your money. 

- You paid for 2 weeks, but only received 3 nights. He refused a refund. What do you do? 

- Well it turns out you paid with your Citibank card! You file a dispute for services not provided and fraud. 

- Unfortunately Citibank sides with the home owner because you misclassified the dispute. They also decide to take 6 months to make that decision, so the dispute window is now closed and youre out of luck. 

- But wait! Theres more. A friend of yours went through the same thing with Citibank, and Citibank gave him back his money! So now you wonder why Citibank has decided not to help 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 2020-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC
State: DC

Complaint narrative:
I would like to file a complaint against Global Lending Services LLC. This company provided me a high interest loan due to my poor credit in 2014. The monthly payment amount is {$480.00}. I was furloughed this year due to the pandemic but made sure to still pay my financial obligations. I noticed that Global Lending Services reported me 60 days past due for the months of XXXX and XXXX on my XXXX credit file. I disputed the late payments with XXXX and provided proof that I paid my monthly obligation. GLS informed XXXX that the information provided was accurate. I called GLS to inquire why they are reporting me late. The company informed me that because the loan term came to an end, it doesn't matter if I am paying them every month because the full amount is due immediately. The account manager informed me that they will continue to report me late ( even if I pay my monthly payment ) and once the account reached 120 days, the account will be listed as a charge off. The remaining loan amount is also non-consistent. On XXXX the remaining amount displays {$4500.00}. On XXXX the remaining amount is {$6200.00}. On XXXX the remaining amount is {$5800.00}. On The Global Lending Services Site the payoff quote is XXXX. The company is reporting inaccurate information on every platform! This is devastating as I have made sure to continue to pay this company even with the high interest rates and overly high late charges that have accumulated on my account. The account manager informed me that I am still financially obligated, but they will report me late until I give them the full amount ( over {$4000.00} ). This is a predatory loan. I am also accruing a daily interest amount of {$2.00}. This is a trap and really has to be illegal. Please assist me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I have denied account opening due to Chex system Reporting on my name.

Chex system Reporting my Credit Score XXXX - I have ask Chex system how they calculated my credit score since I have never been late in any payment and never had insufficient fund and bounce check or return check due to insufficient fund in my account.

I believe Chex system is wrongly calculating and reporting Consumer Score on my name. 
I have been trying to get this information, but I have not received any information how and why Chex system is reporting only XXXX Consumer Credit Score. 

Chex System does not have any phone number where i can talk and resolve this issue and online inquiry they just can not follow my request and answer what i an asking to them.

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 2020-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2020, I received a voicemail on my cell phone at XXXX. I wasn't able to answer the call because I was working. When I listened to the phone call the person that left the message identified herself as XXXX XXXX and she states she was " contacting me due to a case that is in the process of being filed in XXXX XXXX County and said by law she had to make me aware that once case # XXXX is filed through the county it becomes a matter of public record and there is an order to have me located, since she wasn't able to reach me by telephone she was instructed to contact my employer and speak directly to my supervisor because that looks like it most likely would be my place of location. She proceeded to say I had the legal right to contact the proceedings office that is processing my case however I had to contact them to before my case was filed. Once my case is discharged from their office all my legal rights will be forfeited. The number for that office is XXXX and it does state there that I will need to speak with their legal department. This is considered to be my notification by telephone and will be located unless otherwise instructed. '' I called the " proceedings office '' at the number provided in the voicemail and spoke to a representative named " XXXX XXXX ''. I advised her I had received a troubling voicemail threatening legal action and she proceeded to locate my account and read the " allegations '' that will be brought against me. I asked her for the name of their firm however she only told me the organization is named " XXXX '' and wouldn't provide a mailing address, all she told me was that they're headquartered in XXXX, Georgia. The reason I asked for the mailing address was to send a cease and desist notice however I was not provided that information by the hostile representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 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 am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. Experian didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. 

I submitted a dispute with Experian around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : XXXX ). There is no information on my profile as to who this company is. Did they provide Experian with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. Experian investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. 

The second complaint is the idea that Experian seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.

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 2020-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
On XX/XX/XXXX, XXXX dollars disappeared on my Chase savings account suddenly and never went back. Chase said it was transferred to XXXX but XXXX said they never received the money. Since the only account we have at XXXX is my husbands account, we checked that one and it received no money. Chase did not or has not send me any notification about that transfer. I was surprised to see the amount of money left in my account and made the investigation. They asked me to talk to XXXX but did not recover my money. XXXX said they never received the money. We have contacted with both banks on a daily basis but the only response given is to talk to the other bank. I think it is illegal to have client losing such a huge amount of money with no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I was applying for a mortgage last week and my broker found an account in collections for a " personal loan '' for XXXX XXXX The account apparently says it was opened on XX/XX/17. I was living out of the country and in XXXX XXXX  at the time. This account is not visible on XXXX  or XXXX  but she could see it. She told me it is in collections and looks like was originally through XXXX XXXX which I have never used ). I can prove I was not in the country in 2017. Please help me to remove this issue. It is very frustrating that it is not visible on consumer credit bureaus as I check my report once a week. Kind Regards, XXXX XXXX I am also disputing the XXXX XXXX collection accounts ( these I can see on XXXX  ) as these were paid by insurance and have heard nothing back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
Netpay advance customer service has called me trying to collect a debt that was not due and has drafted and given out my information to third party companys without my agreement or consent. I was contacted today and had to record the debt collector at XXXXXX/XX/XXXXXX/XX/2020 from them trying to illegally collect money and try to draft my checking account that I have a case report for XXXX this month and Netpay Advance had to refund me after they drafted a full loan pay off not agreed to and I filed this complaint after their company workers have called me to scam and illegal draft again explaining that I am past due and broke payment arrangement. I am attaching proof that this company need to be reported for harassment after asking for my identity information decided to pretend that their was never any arrangement and I have proof if they reply to the stated one explain that was changed after a collection employee with Netpay tried to charge unaffordable amount due monthly and their Supervisor lowered the payment due on XXXX that XXXX tried to scam me into paying when I am being harassed to pay his agreement and it was changed from over XXXX dollars due and I have proof when the Netpay Advance accuse me of not having the agreement changed proof. The calls were blackmailing and harassing and I have proof that this company should be sued and my account be credited for their threatening debt calls to collect from consumers with their false accusations to collect and their demanding when the account is not past due and the consumer not due to be contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC
State: SC

Complaint narrative:
The company sent a Loan agreement to be signed and I was told a different payment option could be selected. I was not able to select different payment options. Additionally, I have not been provided a payment schedule and the amount they stated in the call that would be due is significantly lower than they amount they are deducting from my account. I have attempted to contact them several times to request a payment scheduled complete with amounts to be deducted and have been unsuccessful. I also attempted to request a payoff on the loan and was told I would have to contact the company for that information. I wanted it in writing and was not provided this. I believe they are participating in predatory lending and not I. Compliance with the Fair Debt Collections Act.

Company response to consumer: Closed with explanation