vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
In XXXX of XXXX, i notified Upgrade of the natural disaster which was hurricane Florence which devastated my area. We are located in a declared natural disaster still. They told me i would allowed two deferrments or extensions that would help me get back on my feet until the end of XXXX. It is now XX/XX/XXXX and i am about to close on a home equity line of credit which was not only to get myself and my family back on my feet, but also to pay Upgrade off. They never gave me an extension and now on my three credit bureaus it is showing i am 60 days late on my account which is not only enabling me on closing on my home equity line of credit, everything they have told me concerning the the extension unitl XXXX was a lie and deceptive to me which is now putting me in a position to either have to file bankruptcy or hire a debt settlement bank to help me settle for pennys on the dollar. All because of Upgrade 's deceptive tactics. I have tried numerous time to speak with a supervisor and not one time have they emailed me or called to address the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
Revoke my authorization to debit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Motors Finance Acct No. XXXX. 11 months into the lease, vehicle was in accident and was totaled. XXXX XXXX provided coverage Claim No. XXXX. KiaMF sent me letter dated XX/XX/2018 that they would provide settlement amount directly to insurance. On XX/XX/2018 Kia advised XXXX the settlement amount would be {$17000.00}. XXXX XXXX. XXXX issued its check in that amount of XX/XX/2018 that was mailed to Kia and applied to the account. Ins. company, issued check for balance of claim to me. After confirming Kia had received payment, I and XXXX XXXX ( step-daughter ) used proceeds to lease a replacement Kia, also finance by KiaMF. KiaMF apparently reneged on settlement amount and decided it wanted more, refusing to release title to insurance company. By letter dated XX/XX/2018, KiaMF sent a demand letter false claiming that there was an insurance deficiency of {$1900.00} and Primary Insurance Deductible of {$560.00}, even though KiaMF knew the insurance proceeds had ben sufficient to fully pay the claim and that no deductible amount had been applied to reduce the amount of its check. I have written the company by email and had several telephone conferences, including a conference call with my adjuster that the claim had been fully paid. I assert that this claim has been compromised and settled. KiaMF decided to deal directly with my insurance company and exclude me from the settlement process. Because I was not notified that claim had been paid, an additional payment of {$190.00} was paid on XX/XX/2018, over an above settlement amount. When KiaMF stated a settlement amount that it was promptly paid the claim was compromised and settled in full. Subsequently, I clearly advised KiaMF that this balance due was disputed for the reasons stated above. KiaMF has placed negative credit information on both my credit report and that of my step-daughter. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/2019 American Express sends me a letter. I have enclosed a copy of the letter to the consumer financial protection bureau along with American Express as I believe you will be in contact with them. The letter for the XXXX American Express business card is requesting that I go to my bank and obtain the bankers name title hours of availability and signature, confirmation of my home address, main number to the bank branch, and extension or personal lying to the banker when applicable. The letter states that I am to gather the information on my personal bank which is XXXX XXXX from my banker and fax it to American Express to continue the application. Then today I received a call from XXXX in the new application department she advised me that more than likely it would be approved and then phoned me again to advise me that its theres no need to get the banking information because it was declined for frivolous reasons and reasons that go against the fair lending credit back and discrimination being a mailbags is slightly effeminate being categorized by the bank through telephone conversation and then the bank declining the application. I was advised that they will forward the application to a higher level of approval to get the card out as promised. My personal fraud alert due to the XXXX breach was verified along with my personal information prior to me receiving a call that the card Was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I'm the cosigner for my daughter. She had gone thru some medical issues and was laid off. My financial status has changed drastically being XXXX. An injury from work. I tried to work out a settlement which they agreed I could lock it in with a parent pay out. Then daughter take over payments she could afford. Mrs XXXX  was such a unprofessional person to deal with at times felt I was being scammed and harassment didn't end. I'm filing chapter XXXX unfortunately. We would come to terms but shed never put it in writing so I'd tell her I'm not comfortable she was exstremely mean I saved dates and times and shed deny talking. So I told her till I get settlement in writing I'm not moving forward .she also bullied my daughter made her cry she was so mean thank you for your, help XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
For the past 4 years I have been requesting additional information pertaining to my credit report and a collections debt with Diversified Consultants and the Collections agency would take it off without providing the information I would request but then it would reappear.I then reached out to Diversified Consultants and they told me I had to reach out to the original creditor which was XXXX and I was required by XXXX to send a notarized statement of dispute due to identity theft along with additional information stating that I was a victim of Identity theft. On XX/XX/XXXX I sent all required information XXXX requested. I included a copy of the notarized statement of dispute, proof of my address at the time the account was opened ( which I was told by the collections agency that it was XXXX but they could not provide a specific date ), a copy of my XXXX Tax Return ( which I was a resident of the state of Georgia when the account was opened according to the year they provided. ) and a copy of the police report filed on XX/XX/XXXX confirming that I was a victim of identity theft due to my wallet being stole in a XXXX parking lot in XXXX, Ohio. On XX/XX/XXXX XXXX  sent a correspondence stating that my fraud claim was denied based upon possible reasons concerning account information. On XX/XX/XXXX I sent a request asking XXXX to verify exact what it was that caused for my claim to be denied so I could know what steps I would need to take next and also because it my right according to the FCRA to know and understand why I am liable for the debt when my identity was stolen. XXXX then replied on XX/XX/XXXX asking for a notrized copy of my ID and a copy of the police report in which I all required information again on XX/XX/XXXX. I recently received my most recent correspondence from XXXX Fraud Managing stating that my claim was again denied and it was the same denial that was sent on XX/XX/XXXX in which they provided me with no additional information on my fraud claim but only the reason why it may have been. this has caused me an extreme amount of mental and emotional stress and it has also caused me to be denied for many credit opportunities. I am sending in all documentation requested and they are sending me the same request each time. Can you please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: MS

Complaint narrative:
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with XXXX. XXXX  would not allow me access to my report. I have been denied credit because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: MS

Complaint narrative:
I initiated an investigation on a disputed on several accounts of which several were 7 years old. The company chose to update it though the account was opened 7 years or older and inthe dusputes the consumer is not given priority in these cases. The companies are. In the event of XXXX, they had a security breach and I can not access my report. A dispute was started on XX/XX/XXXX with Experian. XXXX would not allow me access to my report. I have been denied credit because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, MrCooper received my qualified written statement ( written XX/XX/XXXX and acknowledged it on XX/XX/XXXX ) regarding Force Placed Flood insurance on my home. FEMA updated the maps in our area on XX/XX/XXXX but our portion of the zone was re-validated from prior XXXX submitted by the developers of our neighborhood in XXXX. All this information was sent to MrCooper, but MrCooper still paid the Force Placed Flood insurance on XX/XX/XXXX iao {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX  XXXXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a CapitolOne credit card holder. I drove over 50 miles to a CapitolOne Cafe from XXXX County, Fl to the City of XXXX XXXX, Fl in XXXX XXXX County on XXXX XXXXafter XXXX to pay off my credit card. I placed {$260.00} ( XXXX {$100.00} bills and XXXX {$20.00} bills ) in cash inside the ATM. Three days later, I checked my account and it said that I still owed {$270.00}. I contacted a CapitolOne dispute agent and he said it would take up to 10 days to investigate. On XXXX XXXX, I contacted CapitolOne and the agent said that I would be credited for the payment but it would take up to 30 days for the investigation to complete.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018. 

On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}. 

On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank. 

We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us. 

On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ). 

The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due. 

We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 non-monetary relief
Consumer complaint received 2019-02-11 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: NJ

Complaint narrative:
Equifax refuses to tell me how they score my credit. I have a student loan that has been in god standing for over 3 years now last week XXXX XXXXXXXX updated my my history where 4 years ago i was 120 days late but now they changed that for year old late period to 150 days and my score dropped 89 points. Then the following week i had 2 collection accounts removed and they dropped my score 10 points. only Equifax does this and cant justify the bias actions. Equifax is corrupt and needs to be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have been repeatedly called multiple times on a daily basis. They have threatened to sue me and put me in jail if I did not pay. They have also repeatedly called my relatives threatening to sue them and put them in jail if they don't pay for me. They have also threatened to go to my husband 's place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
We received a past due notice on XX/XX/XXXX from XXXX County Tax Assessors office stating that our XXXX taxes were not paid. We reviewed our escrow account through our on-line account with Shellpoint Mortgage and noticed that the taxes for XXXX had not been paid by Shellpoint Mortgage. I then called Shellpoint Mortgage Escrow Dept on XX/XX/XXXX to inquire about this delinquency and spoke with a representative. The rep stated that the tax bill had been " overlooked '' and that she would put in a request to have it paid. She stated that it should take approx 7-10 business days to process the request and to follow up the next week. I in turn called the County Tax Assessors to let them know. I followed up with Shellpoint Mortgage Escrow Dept today, XX/XX/XXXX and spoke to another representative. She just told me that the company was still " processing '' the request. When I asked about penalties and the delinquency reported to my credit report, she just said that Shellpoint would take care of the penalties and that I would just have to dispute the charges against any credit bureaus. I asked if I could get all of this in writing, but she said no, that all she could do was verbally tell me. I asked the rep several times to speak to someone that could give me more detailed information on how this happened and to expedite the request, but she said there was no one else I could speak to. I am very disappointed in the way that this has been handled and that I will suffer the consequences due to this company 's negligence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 

I also have been making my regular payments on this account. When i call in and make my payments no one has Ever told me that i was late or had a balance past due. If they simply told me this i could have made the payments to get the account current. how is it legal to NOT tell a customer " Hey XXXX by the way you even if you make the minimum payment you are still behind ''. It would be that simple ... .This is UNACCEPTABLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Although I have been paying on my student loans since XXXX, I've noticed that the balance of same has not gone down that much. In XXXX, I filed for chapter XXXX bankruptcy ; however, my Navient student loans were included in the repayment plan. Since the discharge of my bankruptcy in XXXX, I have continued to pay on time, the full amount of the loan. During that time, I noticed that the loan payments were broken up and then without notice, they were added back together. This, in my opinion, was in an attempt on Navient 's part to charge more interest. Since XXXX, the amount owed for my student loans has barely changed. I addressed this with the customer service and was only told that the interest is charged up front.

Company response to consumer: Closed with explanation