vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-24 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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
Subject : Late payment was reported to credit bureau bringing down my credit score Company involved : Honda Financial Services I bought a XXXX XXXX from " XXXX XXXX '' dealer in Arizona in the year 2017. It was financed using honda financial services. My paperwork was mostly handled by the dealer, i was just asked to sign few papers and later they did rest other paper works. I even shared my debit card details, set up my insurance etc. After talking to the dealer i was under the impression that autopay has been set up for this account. I took the vehicle home. One day after 3 months, when I woke up, my car was not present in my parking lot of my gated community apartment. I checked with the leasing office, they were not informed of any such events. When i called 911, I got to know that my car was repossessed. Being fresh out of college and being an XXXX, i was not aware that something like this can happen. I called the dealer and they said because payment was not made from 3 months, they have taken your car. I told them that i was under impression that autopay was setup by dealer as I gave my card details for the same. I even told I have money to payoff my car loan in just one shot, then they asked me to pay around {$1200.00} to get my car out of the tow company. Dealer and the honda finance said they tried to contact me via phone but i never received any call. 
I have an email where I clearly stated that " please correct my phone number as in all the finance papers it's incorrect '' and i got also asked for the updated papers. The email i got in return from the dealer was that they will correct it in the system and everything will be fine. Because they did not update the correct number, Honda financial services were calling me on incorrect number. 
Honda financial services had my address to pick up the vehicle, illegally tailgating and dragging my vehicle out of gated community without informing, but how come they could could not send a mail regarding the same. Also, if they were reaching out to incorrect number, why they did not reach out dealer to get the correct number. 
My only fault was to not check my account balance that whether {$330.00} is getting deducted from my account or not. How come this shows I have abad credit and I am unable to pay any amount. I do not want to take all the blame, honda financial services and XXXX  XXXX both are equally responsible for my credit hit. I do not want to take a credit hit for something which was not completely my fault. After i got to know the payment was not set as auto pay, i did set an auto pay and everyone can see that i have not missed even single payment in last 3 years. I just want the late payment credit hit removed from my credit history as it was not completely my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NC

Complaint narrative:
On XX/XX/2020, I purchased a XXXX dishwasher and related services from Best Buy in the amount of {$1200.00} on a My Best Buy credit card issued through Citibank. The item had incorrect dimensions and was returned to Best Buy before I took delivery of the item. 

I have a paper receipt and an electronic receipt ( see attached ) confirming that the item was returned. I also had an individual from Best Buy wait on hold with me for more than 30 minutes to inform My Best Buy credit card issued through Citibank that the dishwasher had been returned and was in stock at the Best Buy on XX/XX/2020, which was ten days after the item was returned. This ten-day period initially exceeded the time I was told the issue would be resolved. I opened a dispute with Citi and they informed me that the disputed charge would be 'resolved as quickly as possible. ' I was informed that could take up to 48 hours, and then, 48 business hours, and six days later, 'more time than 48 hours ' ( I spoke with XXXX Team # XXXX at Citi XXXX. The item still appears on my bill and I would like a full credit for the item ( see attached ) which I do not own.

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 2020-11-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: NC

Complaint narrative:
I received a letter in the mail from Revco Solutions advising that I had a debt owed to XXXX XXXX XXXX {$330.00} ) and XXXX XXXX XXXX ( {$120.00} ). There was no additional information verifying that this debt was valid and belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has lowered my excellent FICO score 16 points for absolutely no reason and to raise the score in blackmailing me into giving them access to my checking account balances, transactions and rewards. I think this practice is Beyond intrusion it is dangerous and absolutely needs to be stopped. I have a screenshot of their ploy.

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 2020-11-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a credit card with Bank of America in XX/XX/2020 via their website. I was declined. There was no way for me to contact them once I received the declination response. No phone number, no email. I waited for their decision in the mail. The corresponding letter said my application was declined because I had too many accounts that were recently opened and that I had limited deposit or investment balances with them and their affiliates. Again though, nowhere was there a way for me to contact an underwriter or representative by phone or email. It was clearly a form letter because most of the smattering of words all over this letter was about how I could obtain a copy of my credit report and tools to help me with my credit. 

On one of the back pages was a postal mailing address where I could write them a letter via snail mail. I sent them a letter asking what I needed to do to get my application approved. Should I close a different account? Could I get a lower limit? What if I provided proof of other funds? I even went as far as sending them a recent pay stub and asking them to contact me with what was needed. 

Weeks later ( today ), I received correspondence from them. It was the exact same form letter the sent me before. Why did I take all the time and effort for a sincere application in earnest only to be declined with only form letters being sent to me. In fact, this lazy and insulting attitude is the exact opposite of what Bank of America purports in their corporate mission statement : to help make financial lives better by connecting clients and communities to the resource they need to be successful. They never had any intention of connecting 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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX sent me a check for {$25.00} which was sent to an old address and then turned over to the state of Texas 's unclaimed property program. I do not have the required account documents to claim the check directly from the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I applied for a Verizon Credit Card through Synchrony Financial Bank. The application page asked for name, last name, address, date of birth, social security number and income information. The application was denied, after my credit bureaus were accessed. The reason for the denial is that the bank couldn't verify my identity. No further information was provided. I called repeatedly and asked to speak with lending department or any relevant department. Each bank has a security and/or lending department that is responsible for making lending decisions. Apparently Synchrony Bank has an automatic algorithm that checks people 's credit bureaus and reject candidates without a reason. If the bank believes they can not confirm my identity, then the bank has the obligation of offering a way to confirm it. I'd be happy to send copies of identity documents, W2s, paystubs, etc. However, the bank keeps saying that the identity could not be verified, and to try again in 30 days. Basically this bank wants to ruin people 's credit by doing a hard pull every 30 days and just hide behind the phrase : we couldn't check your identity. How can you state you were unable to verify my identity if you only asked demographic information, which was correct since it's me, and then the nothing else was asked? 

The cherry on top is that I already have a Care  Credit account with this bank, with XXXX balance by the way. So how is it again that you're unable to check my identity? 

This bank is violating the Equal Credit Opportunity Act and should be held accountable. This case will also be referred to the Florida State Attorney 's Office.

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 2020-11-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two fraudulent charges were made to my XXXX debit card. These fraudulent charges were from 2 XXXX orders in XXXX XXXX, CA on XX/XX/2020 and XX/XX/2020, totaling {$160.00}. I have never been to XXXX XXXX. I called in twice to Bank of America by dialing the number on the back of card ; I have not been able to reach anybody from the Claims Department that can help me dispute these charges and get my money back. I have checked all of my past orders from XXXX  to make sure that I was not mistaken, and I am able to confirm that the 2 charges need to be disputed. They DO NOT MATCH UP to what I have in my order history.

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 2020-11-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I notified PNC Bank of my mothers death in order that they close her account and forward the funds to me as her eldest child. She was not married at the time of her death. XXXX XXXX XXXX ( my mother ) passed away on XX/XX/20. I notified PNC Bank. I called XXXX voice banking. I entered her social security number and after several prompts I was able To speak to a representative. The female sounded to be in her late twenties. I advised them of aforementioned and what were the next steps to close my mothers account and have the funds distributed to me. I was advised to mail the following documents, certified copy of her death certificate and a copy of my drivers license front and back and to mail to PNC Bank. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. I mailed these documents certified on XX/XX/20. A week later I called for status a week later as I was told once documents were received it would take XXXX days business days to process. I have called once a week since XX/XX/20 and this is the script. A young female answers the phone ... asks for my mothers social security number, then they say let me place you in a brief hold while I review her account. I am placed on hold for no less than 20 minutes each time for the rep to return to the phone to tell me Absolutely nothing but that once the documents are received and if anything else is needed I would be notified. It is so frustrating and without reproach to give a consumer such a run around abs my time and expense and my mothers checking account and for what reason. To add insult to injury your office can have a person call and you will receive the same scripted response without any assistance. Not only is this frustrating but a waste of my time and efforts to settle my mothers account. Why is PNC bank deliberately refusing to process my documents? Oh, one more thing, PNC added another line to the script asking me if I had a receipt for the certified mailing for the documents I sent. This was on XX/XX/20 at approximately XXXX XXXX  eastern standard time. I called back a 2nd time and on XX/XX/20 and asked for a supervisor ... another young female said the script again placing me on hold this time for 13 minutes and has left with with no other alternative than to file the complaint against PNC Bank and demand that my mothers checking account and funds be released at once without any further delay. Her name as it appears on her checking account is XXXX XXXX XXXX # XXXX. I respectfully seek your assistance involving this matter and the reason PNC Bank is deliberately violating law and rendering poor customer service and I seek sanctions if applicable and my mothers account settled and funds distributed immediately. I attest the above statement is accurate and factual. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
DEPT ED/NAVI {$1600.00} DEPT ED/NAVI {$2200.00} DEPT ED/NAVI {$7000.00} DEPT ED/NAVI {$3900.00} DEPT ED/NAVI {$4600.00} DEPT ED/NAVI {$2600.00} XXXX {$1300.00} Fraudulent student loans were acquired in my name. Im a first time home buyer. I just found this out last month on my credit Report. These have. Even hurting my score for some years now. In which I had no knowledge. 

XXXX is also a Fraudulent account that was acquired in my name. Now knowledge of this XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed all inaccurate accounts on my credit report with the bureaus on XX/XX/2020 and still have not received any response from neither credit 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 2020-11-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Pro collect is attempting to collect a debt that I do not owe. I have made several attempts to receive any information on the debt and I have received none. Also the debt is supposedly fees from a broken lease. However I had received orders from my commander ( was XXXX  XXXX XXXX to move back to the XXXX  immediately because of serious health issues I had going on. My commander gave me written orders/letters that I provided to the leasing company but they would not let me out of my lease. Even if they felt I owed them money for repairs or cleaning I was never given any type of letter about that or break down. I paid XXXX dollars in a security deposit upon moving in. I moved out and paid rent for 8 months of my 12 months term. My rent was XXXX a month and the apartment was filled very shortly after I left per a neighbor informing me of that. So if they had successfully mitigated damages per Tennessee law they arent able to demand the money for longer than that period of time. I have not ever received a break down of this debt or how it is so high after they were able to fill the apartment and kept my entire security deposit. This collection agency has not responded to any attempt I have made to send me any documentation about this debt. Given all of these circumstances I do not believe this is my debt or I owe this debt to them. Not only did my leasing company disregard my commanders letter for that I relocate back to the barracks but now this debt is severely impacting my ability to move forward in my life and I cant get any information about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: CA

Complaint narrative:
In XXXX of 2018 Honda Financial services reported my account as a late payment for the amount of XXXX $ which negatively impacted my credit rating severely I reached out to them many times and was never given a proper solution or fix to my issue I was told I can go as much as 30 days out from payment due date before they report it to the 3 credit bureaus I had made my payment only a few days out from due date and was marked as late on my credit report this institution has a record of reporting customers accounts inaccurately and Im here to challenge and fix my error that is mistaken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 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: NC

Complaint narrative:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 150 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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