vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-23 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
When I went to lease vehicle I was promised prior to the agreement that in a year they would cut my monthly payments in half. In addition to that promise they added on extra products that I did not request. I tried to go to the dealer to fix the situation. Any reasonable person would not have took the car off the lot without those promises. When I reached out a year to the date via text the dealer said it can still be done when I went in person I was told no and they tried to get me to buy the car to lower the payments so I told them to take the car. The ending balance on the vehicle was approx 19,000. Not the XXXX thats reported. The car isnt even market value for XXXX. Market value is between XXXX and XXXX. This dealer is in direct violation of the TRUTH IN LENDING CONSUMER LEASING ACT. Ive consulted with numerous lawyers and they all say the dealer acted illegally. The texts shows the dealer knowingly tricked me as a consumer whos never leased a car. They should not lie to sell cars and then try to make me pay an insane price when what they did to me was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: U.S. BANCORP

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

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 2019-05-23 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 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: MD

Complaint narrative:
Experian said they looked into/confirmed a bankruptcy on my credit i disputed it and they claim they confirmed it with a company and i believe i have a right to know the name of said company and person [ s ] that confirmed it or were talked to. There are at least 3 things wrong on my credit 1 the bankruptcy 2 wrong spelling on my middle name 3 they say i worked for some company i have never heard of but? they removed that. i'm not calling them to get the run around and given fake excuses for not giving what i believe i have the right to know ow and one last little fact they have 2 late payment on my credit report but?  when i click to see details on theses late payments there is nothing no surprise here!

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 2019-05-23 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: CITIBANK, N.A.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports Delete the inquires which has been created after 2015

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 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
I have previously filed complaints against XXXX XXXX XXXX and they have provided you with false or misleading information, While it is true one of the loan agreements is in litigation, as of this writing it is not in arbitration because XXXX refuses to pay the fees. 

The second loan agreement is not part of any litigation or arbitration and therefore their response is false on its face and they are refusing to engage in arbitration as required under the loan contract. They are obviously not taking these complaints seriously and are providing you with false information. they are also in violation of the Federal Arbitration Act and CFPB regulations. Because of the agregious nature of their acts I am requesting that the CFPB file an enforcement action against Absolute Resolutions and their attorney and collect a civil penalty in accordance with the regulations. 

To be clear, in their response they said that both loan agreements were in litigation. One was and one was  not. Neither are in arbitration at this time. See complaint number XXXX for more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I faxed in all necessary documents to Equifax to remove my security freeze including my SSN, drivers license and written memorandum. My mortgage company informed me of the security freeze and I was unaware because I never placed a security freeze on my account. Now Equifax is refusing to remove my security freeze and refusing to release any of my information to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
When attempting to make a payment due XX/XX/2018, HSBC blocked my online account therefore was not able to get the address to send the payment to and was not able to make the payment online. I attempted to find the company address online and blindly sent in a check but they returned the check without forwarding it to the correct address. I also attempted to make a payment through their online payment system which would not accept my payment because they said it was past due. After hours of phone calls to numbers that I found online was was finally able to find an address to send a payment to and made the payment. 

HSBC made it near impossible for me to send in my payment timely and I have a missed payment on my credit report due to their bullying tactics. I will not dispute the late payment fee but would like the late payment removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
I did an Voluntary Return of Merchandise to CONN 's on  XX/XX/2018 because the Company was deceptive and put unauthorized charges ( insurance ) on the account. Two men came to my house and pick up the TV and Sound system on XX/XX/2018. Now a year later CONN 's is Harassing me with letters from Attorneys stating I owe for Merchandise that was return to them on XX/XX/2018. They have continued to show delinquent account on my credit report for monthly payments which are no longer due since the merchandise is not in my possession. I have sent them letters, filed a complaint with XXXX XXXX and have recently disputed the report to my credit report they have yet to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I checked my report and noticed 2 account that are not mine. 1 ) XXXX XXXX and 2 ) XXXX XXXX XXXX. I also noticed On Experian 37 inquiries that i did not give permission for any of them companies to request my credit report. Also XXXX has 10 inquiries in which i did not give the companies to request my report and XXXX 5 companies. 
XXXX. 
1 ) XXXX XX/XX/2019 2 ) XXXX XX/XX/2019 3 ) XXXX XX/XX/XXXX, XXXX XX/XX/2019 5 ) XXXX XXXX XXXX XX/XX/2019 6 ) XXXX XXXX XX/XX/2019 7 ) XXXX XXXX XX/XX/2019 8 )  XXXX XX/XX/2019 9 ) XXXX XX/XX/2019 10 ) XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX All 37 inquiries

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 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
The company LAW OFFICES OF HAYT HAYT & LANDAU have been harassing me nonstop with phone calls and have also been harassing family members and giving out confidential information regarding my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/XXXX walmart synchrony bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Walmart Mastercard/Synchrony bank sold account to XXXX XXXX, XXXX XXXX XXXX. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no XXXX XXXX XXXX the situation on three separate correspondences. 

I am collection proof. I am XXXX. My husband passed away in XX/XX/XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.

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 2019-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My original fixed rate loan for the past 3 years was with XXXX with no issues or problems. Mr. Cooper Mortgage took over my original loan XX/XX/2019. My transferred escrow balance from XXXX was XXXX. That transferred balance does not show up on the papers from Mr.Cooper Mortgage. Within two months after taking over my loan, they claimed my escrow was XXXX short. I paid this in full. They also changed my fix rate original contract from XXXX a month to XXXX a month. I know taxes go up, but the amount they charged my escrow seems extreme. I never had this type of extreme shortage with XXXX. XXXX from my payments goes into my escrow each month. Since Mr. Cooper Mortgage took over my mortgage, several things are not right. I have bought several homes and never had these types of issues. My payments would have jumped to XXXX if the escrow was not paid in full. Because it was paid in full, they still raised my payments to XXXX. I don't believe they can raise my payments from my contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
Washington, D.C. XXXX Thank you for offering this service to handle complaints. 

I found out about it from a column by XXXX XXXX in the XXXX  XXXX. 

In XX/XX/XXXX I looked up my credit rating on the website XXXX XXXX where it has ratings by XXXX  and Equifax. 

After noting a derogatory remark on my report, I disputed it with Transunion via their online website and they resolved and removed the discrepancy. When I tried to dispute the same derogatory remark via Equifaxs website, it was unable to verify my identity and said that I needed to verify my identity by mailing in a form and supporting documentation. Although the form said my request would be processed within fifteen days, I received no response. I sent a second form and documentation in late XXXX and received a letter response back. 

Although I noted on the Equifax form mailed in XX/XX/XXXX ( and XX/XX/XXXX ) that my address was in XXXX, VA, on the letter I received from Equifax dated XXXX XX/XX/XXXX it stated that I needed to verify my current address in Washington, DC - an address at which I had not lived since XXXX. 

I wrote them a letter on XXXX XX/XX/XXXX explaining that I had not lived at that Washington, DC, address since XXXX, shared my four addresses ( and dates at those addresses ) and enclosed various documents as proof. I also requested that the discrepancy that XXXX cleared be cleared on their ( Equifax ) records, too. It was sent Priority Mail, and was delivered at XXXX on XXXX XX/XX/XXXX according to U.S . Postal Service website tracking The documentation included : a copy of my social security card copies of the following documents that prove my address from XXXX and XXXX Form W-2 Wage and Tax Statement XXXX XXXX XXXX XXXX dates XXXX Form W-2 Wage and Tax Statement XXXX copies of the following documents that prove my address from XX/XX/XXXX to present Form W-2 Wage and Tax Statement XXXX Form W-2 Wage and Tax Statement XXXX Utility bill dated XXXX Gas bill dated XXXX Current twelve-month residential lease I have not yet received a response from them. This delay is affecting a major purchase I need to make in the next few weeks because I want mt credit score to be accurately reflected. 

Thank you for your assistance. I am available to answer any questions or provide additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 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: Real Time Group, Inc.
State: NY

Complaint narrative:
I had a loan that was serviced by XXXX XXXX XXXX ( " XXXX '' ) that was in default. On or about XXXX or XXXX the loan status was changed to Charge Off. Subsequently, about XXXX, I entered into payment arrangements with XXXX but they stated that they could not change the status of the loan until it was fully paid, and that the status would remain as a charge off. 

Over the next couple of years I made payments on the loan and the balance has been reduced, but the status remained as a charge off, and I was repeated told there was nothing they could do. 

Sometime over the past several months the loan was transferred to Real Time Resolutions who started reporting the same loan as current account with late payments ( even though at the time of transfer the status of the loan was in fact a " charge off '' ) I now have two derogatory reports on the same loan, one as a charge off and one as a current account with late payments. As the charge off was 5-6 years old, its impact on my credit was finally being reduced and the new reporting has caused significant harm to my credit. 

I have requested RTR to confirm the status with XXXX   but they simply refuse to do so. I have requested XXXX to provide the status of the loan at the time of transfer to be provided to me in writing and to provide a copy of same to RTR, but am still waiting for same.

I have provided RTR with various correspondence between myself and XXXX  as well as a copy of a prior credit report reflecting the status of this loan as a charge off.

RTR is unfairly impacting my credit and they are fully aware of it. I have reported this information to the both XXXX  and XXXX  where they are reporting the loan impropertly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: IN

Complaint narrative:
This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
In XXXX I applied for a new credit card to assist in credit card debt. The offer was received in the mail from HSBC for 0 % apr for 15 months on balance transfers within 60 days of account opening. There were some delays in application being approved due to a previous fraudulent incident in my name. There were extra steps taken on HSBC side to ensure I was in fact who I say I was. I recieved my card in the mail weeks later and was welcomed to HSBC, within this package was my credit card and Account information. Until I rec 'd this information I could not use my card, they was an activation code given in yet another piece of mail that was rec 'd days later. On XXXX XXXX I was able to use my card after activation. I then wanted to make a balance transfer, on XX/XX/XXXX I made this balance transfer. I was not notified that I was outside of the 60 day window and assumed I was not. I received my card welcoming to use my account on XX/XX/XXXX. It is not clear when this account was opened. The next month 's bill arrived and I was charged finance charges of 15.24 % on a balance transfer I thought was 0 %. I contacted the HSBC, there is no customer service # to talk to someone regarding this type of charge, I had to result to chatting. I chatted for over a XXXX hour and was told the 60 day window ended on XX/XX/XXXX., hence the finance charge and not receiving the 0 % on balance transfer. I asked why this date is chosen to end XX/XX/XXXX and was told my account was opened on XX/XX/XXXX. HSBC representatives were not willing to waive this finance charge due to being 24 hours late in transferring. Unbeknownst to me I had no idea my account was opened on XX/XX/XXXX and I could actually have completed a balance transfer on this same date. Very unrealistic seeing I could not use my card until activating with a secure pin # received XXXX. I believe this credit card company is misleading in stating account open, this credit card company should state account opening date somewhere on your credit card statement. This credit card company should state clearly what the balance transfer fees will be at the time of transaction base on the days of account open. This was a trick and a trap for me as a consumer and I believe would be for most consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Ref. : WELLS FARGO BANK, N.A. - a/c opening Branch : XXXX XXXX, NJ Our a/c # XXXX - Balance as of XX/XX/XXXX {$240000.00} Since XX/XX/XXXX, the bank, for unexplained reason, unilaterally blocked/closed the account and held the sizable balance which was released to me/us over five years later, in XXXX, after 52 letters to the bank and to various Agencies ( Attorneys General, OCC,  Banking Dept, etc. ) were filed. 
Furthermore the bank asserted that our money had been turned to the State Dormant Accounts and that a check was mailed to me/us. No evidence ever given. 
Since I/we claim financial damage for the abusive activity of Wells Fargo, please intervene with your authority to have the issue settled. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed up for this credit card because it advertised {$150.00} cash rewards after spending {$500.00} in the first 3 months. I did not get the reward so I called. It clearly says for the card I received {$150.00} cash back. The directed me to scroll down and the fine print contradicts the advertisement. This is misleading, deceptive and false advertisement. Here is a link to the page. There is a ( * ) next to the claim of {$150.00} cash back. This is supposed to lead you to the fine print that contradicts it. https : //www.capitalone.com/credit-cards/cash-back/quicksilver/

Company response to consumer: Closed with monetary relief