vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 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: IL

Complaint narrative:
TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX   XXXX not mine XXXX XXXX {$920.00} not mine XXXX XXXX {$1800.00} not mine

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 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My client is trying to get a lower payment for her HELOC with Bank of America. The payment has jumped from {$360.00} to over {$1000.00} per month as its in repayment. Since she is a senior citizen she asked me to help. Bank of America asked for an authorization to allow me to speak for her. She walked into a Bank America branch and had a personal banker send in. When I called on Tuesday ( XX/XX/XXXX ) I was told that the authorization needed to have an expiration date. We amended the authorization and my client went back to the branch to submit on XX/XX/XXXX. I called this morning ( XX/XX/XXXX) and the first person I spoke to said they don't have an authorization ( which is nonsense ) so I asked to be transferred to someone else. XXXX in Texas was his name and he said they needed a legal POA to continue and I told him no I didn't as I had already spoke to Bank of America earlier this week and all I was asked for was an expiration date to be added to original authorization, He transferred and after waiting on hold was disconnected.

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 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
I had to leave my job inXX/XX/XXXX due to XXXX XXXX XXXX   requiring XXXX. I had to take early retirement due to the cost of a XXXX XXXX. I was then and am now on a fixed income. I contacted Toyota Financial Services prior to the due date of XX/XX/XXXX requesting an extension due to the timing of the start of retirement benefits. My extension was granted and they sent me a confirmation letter dated XX/XX/XXXX, Account # XXXX. That letter confirmed the new next due date would be XX/XX/XXXX. On or about XX/XX/XXXX I saw where Toyota was going to take the {$600.00} for the XX/XX/XXXX payment through automatic withdrawal from my checking account. I immediately called their Customer Service and was told that I needed to cancel the automatic online and I did. I was further instructed to go to my Bank and issue a stop payment on the withdrawal which I did. Apparently, the stop payment somehow changed the next due date from XX/XX/XXXX to XX/XX/XXXX. The Customer Service Agent that instructed me to stop payment did not inform me that it would change the terms of our agreement specified in the XX/XX/XXXX letter. Still struggling financially in XX/XX/XXXX, again due to the retirement benefit from SS being delayed an entire month and Toyota 's insistence I was late on my payment contrary to the agreement in theXX/XX/XXXX letter, I contacted them again.

The Customer Service agent this time looked at theXX/XX/XXXX letter and told me I was correct and it would be fixed including a change to my due date from the XXXX of the month to the XXXX of the month to allow my retirement check to be received and payment made on time. It never happened. I contacted their Customer Service again.

This time the Agent told me because of the stop payment, instructed by them in XX/XX/XXXX, the payment I made in accordance with the XX/XX/XXXX in XX/XX/XXXX was credited to XX/XX/XXXX making me a month late. Another extension was granted that I thought was suppose to straighten it all out and show me current. I will make another payment today, XX/XX/XXXX for {$600.00}. I can do no more. However, they are assessing late fees each month that I feel is unfair and not right.

I contacted them, once again when I made the XX/XX/XXXX payment on time and asked again that they fix it by 30 days so I could begin restoring my lifelong good credit. They denied my request in a letter ofXX/XX/XXXX. I am frustrated and will not allow them to assess late payment for the term of the loan which goes on for a while. I will simply give them back the car. I am on a fixed income and have no way at this time to double payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
My husband and I took out a VA loan through HSBC in XX/XX/XXXX. In our opinion they are the least helpful, underhanded, and most intimidating company we have ever dealt with. I will not go into the debacle of a loan modification they offered to us in XX/XX/XXXX when my husband was suddenly laid off and we nearly lost our home. What I am complaining about is a ' late fee payment ' they are assessing me. I have called customer service numerous times to try to find out why I was being charged the fee. Experience with HSBC has taught me to take notes whenever I call them, including date/time/name of agent/and what was discussed. Three times I was told that my complaint has been reviewed and the charge removed. It has not been. I have now recently received a 'form letter ' from HSBC that only advises me of what their late payment fees are and why they collect them. Well, I need to know WHICH payment they claim is late do that I can get my bank statement and other necessary documents to prove my claim. The amount is {$19.00} but I refuse to pay it unless they can provide me this information. It is important because it is their common practice to not provide correct timely information, 'back date ' correspondence, and force me to make numerous calls explaining my situation over and over again to different customer service representatives who either tell me the issue is resolved or they have submitted a ticket for review. This bank is unprofessional and the left hand doesn't know what the right hand is doing. I would appreciate your help in this matter. I am currently looking into refinancing with my hometown bank. Run far away from HSBC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received an alert in regards to new hard inquiries on my credit report. I immediately reviewed my credit report and had to hard inquiries from XXXX. I contacted XXXX inquiring about the inquiries providing them my social security number and they could not provide me any validation in regards to why the inquiries were there and referred me to dispute with Equifax in which I did. I receive an email today, credit report number XXXX indicating the dispute was completed and the inquiries were valid. I called XXXX again and they are stating the same things that they did not pull my credit report. I am asking for the two inquiries to be immediately removed and if you still refuse to remove, I am asking Equifax to provide me with the way they disputed and who verified, because I contacted XXXX at the same information listed on my credit report and they are claiming they do not have any information matching my social etc and they did not pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX  has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked XXXX  on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.

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 2018-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi, It starts with my mom dying on XXXX  morning XX/XX/2017. This was totally unexpected despite her age of XXXX. After working on her bills, we found no money and a few bills that she had kept up with. We found a checking account with Wells Fargo and a home equity line of credit that was used up to XXXX. We were and are so surprised she would do this and not mention anything to my brother or myself. I don't believe she ever thought it was tied to her house. She loved her house! My Father built it by himself a little after he was released from the XXXX when XXXX ended. The Line of credit was pushed on her by Wells Fargo and she thought it was a credit card I'm sure. She was dead but a month when Wells Fargo started leaving messages on the door that they were changing the locks.I called the Police because I thought we were being scammed. I couldn't believe this was happening!! Being locked out of my Mothers house with all personal things inside. This line of credit that was pushed on her was to be paid back by XXXX. Anyone would know she would be dead by then but the house would be there for the taking. When she died they wasted no time trying to do so.When we called they referred to the house as being there house.

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 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX @ XXXX CST I received a call from a private number saying I was contacted by a " debt dispatch '' company regarding a debt that was about to reach legal action, in the form of a summons. The lady had no information about the debt ( such as amount, type of debt, the company it was associated with or the age of the debt ). However, they gave me a # to call ( XXXX  ) XXXX and a accnt # XXXX. I called the # that was supplied and the gentlemen who answered told me the debt was from bank of America, of which ive never had an account with bank of America, nor have I ever received a letter regarding such a debt or account. The gentleman, who refused to give his name called me " A Liar '' and stated " Legal proceeding were occurring XX/XX/XXXX-XX/XX/XXXX to collect this unheard of debt. Now, I assumed maybe my identity was stolen. Quite possible, but then when I asked for more information, he said " the account # is XXXX, and that it was from bank of America. I asked for the address of his agency, he refused to give that information. All he said was " This is the XXXX XXXX '' As I was concerned because I have great credit, cleaned it up over the past 7 years, I contacted BOA this morning and spoke to a rep who could not verify any of this info. Now I'm filing a complaint and would love to know how my name and number was accessed and why are they saying I owe a debt, when I don't?? especially without ever receiving any written notice for an account if never had?

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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
Creditors collections bought the contract from XXXX. XXXX claims I broke the contract with them when in fact XXXX  broke the contract when they sold there company to XXXX. I received a letter from XXXX  telling me to switch to XXXX  so that is what I did also XXXX closed all of there stores. I do not feel I broke the contract when I did what XXXX told me to do it was only after the fact that XXXX told me I would have to buy out my contract if I had been informed of it I would have left it alone. Again I did what XXXX told me to do and that was XXXX is now XXXX   and switch.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My pay ment is {$400.00} A month and only {$90.00} actually goes toward the principal. 
It has been this way for over 4 years and the balance will not go down. Ive tried to contact the bank to ask them to assist me but the bank won't communicate with 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 2018-04-20 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:
In 2009 XXXX XXXX reported a 60 day late payment on my credit report. At that time I did not know I could file a complaint with this bureau. 
Their report was erroneous and I wrote them many letters to say it was incorrect. They had given me a 60 day forbearance on my account because my house had burned and my husband XXXX XXXX XXXX XXXX. 
I continued to write letters for months on end asking them to remove the 60 day late notice from my account because I had documentation of the forbearance. They refused to speak with me and would only return a letter tell me that the 60 day late report to the credit bureau was correct. 
I am writing this to you so that you might check and see how many other customers they have done this to. They are a crooked, disreputable company and should have their doors closed to any further business. T The 60 day late payment no longer shows on my report but I wanted you to know this is another of their bad tactics of which they have many.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp.
State: AL

Complaint narrative:
This Vehicle was purchased XX/XX/XXXX. I asked the dealer was there any issues with the vehicle. He stated that he had it service and it was good to go. Day one of having this vehicle the check engine light kept coming on. I contacted the dealer and had me to take the vehicle to XXXX XXXX. They stated that it was the Throttle Body. They allowed me to leave it and they repaired. The vehicle was sent to XXXX XXXX   several time and issues remained. I received the vehicle back with the same issues and was took back to XXXX XXXX several times. Issues was never fixed nor did the check engine light go out. The dealer sent the truck to another service company and they found other issues. The dealer made me purchase a warranty XX/XX/XXXX( XXXX ) and it took forever to fix the vehicle and I had to rent a rental car for a long period of time. The check engine remained on. The vehicle had to have transmission rebuilt ( XXXX ). Now the vehicle is in the shop again for Engine misfire. The coil, spark plugs, wires and all have been replaces. The issues still remain. The serviceman stated that the motor and or fuel rail has been swapped out. The service man is stating that we can either get a cam shaft ( XXXX  ) or engine ( XXXX ) I still have a loan in the amount of XXXX on the vehicle. I contacted the dealer and explained the issue to him and he suggested that I purchase another warranty. I explained to him why would I do that after hearing that the motor and fuel rail has been swapped on this vehicle. I have put so much money in the lemon to where it could be half way paid off. Before purchasing this vehicle I explained to the dealer what I wanted and he promised me what I asked for. There has been issues since purchase and dealer wouldn't trade it out for nothing better. This vehicle has put me in a hardship to where I can barely pay my bills, daycare, car note, insurance and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Reliant Capital Solutions, LLC
State: AZ

Complaint narrative:
XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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 2018-04-20 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: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Santander Consumer is reporting incorrect information I received alert saying an was 180 days past due for a loan amount of {$100000.00}. This information is incorrect and is not my account. I have never taken a loan out for {$100000.00}. Santander is reporting someone else account on my credit report. I called and explained this to them however, the young lady said that I need to call the CB and let them know. However, this is harming my credit score being that this isn't my account and that the amount of this debt is extremely large. I have asked for documentation showing that I have account with them and they have yet to provide me with any proof. They stated they would have the fraud dept. reach out to me. I haven't heard anything back about the matter. Can we please get this matter resolved as soon as possible please. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXXquifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  Equifax XX/XX/XXXX XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX Credit Report Hard Equifax Hard Equifax XX/XX/XXXX XXXX XXXX XXXX. Credit Report Hard EquifaxXX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXX XXXX Credit Report Hard Equifax XX/XX/XXXXXXXX XXXX XXXX Credit Report Hard EquifaxXX/XX/XXXX XXXX XXXX., XXXX XXXX  Credit Report Hard Equifax XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because equifax was hacked and my information was given out. I didn't make these inquiries or even start any of these.

Company response to consumer: Closed with explanation