vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
In XXXX of XXXX, my wife and I moved to XXXX  from XXXX  for me to start a new job. At that time, we changed the registrations of our leased XXXX XXXX XXXX  and XXXX XXXX XXXX from XXXX  to XXXX. Upon doing this, Honda Financial Services applied " Upfront Tax '' on XX/XX/XXXX for {$1000.00} for the XXXX  and {$620.00} for the XXXX. Before moving to XXXX, this tax was rolled into the monthly lease payments. Honda stated to me that this could not be done. However, we currently have two new Honda leases that did just that in the state of XXXX  this past XXXX, XXXX, XXXX. So this is an accounting and policy choice on the part of Honda Financial. Therefore, their policy choice has lead to a inaccurate reflection of my payment history on my Credit reports. 

In effect, this type of policy " upfront tax '' assessment for my family 's monthly budget was over {$1600.00} unexpected dollars - very few Americans can just find this. When we couldn't pay it immediately, Honda would not spread this over the remainder of the lease ( we asked at the time ). So, we impressively found a way to pay this within 60 days. 

After asking Honda directly on multiple occasions and working with XXXX  to dispute this, Honda still will not choose to reflect this on their reporting of my credit and continues to have those closed Honda leases ( the XXXX XXXX  - Acct : XXXX and the XXXX XXXX  - Acct : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CT

Complaint narrative:
Experian continues to allow these company to put collection in my report They have been removed previously and now they are back the companies are XXXX XXXX XXXX XXXX I do not owe them any money nor have a balance with them please remove from my report once again. 
'Fair collections this account also was removed from my report and now it is back in my report please remove I do not owe them a balance and Experien has not related to me the out come they did remove this account and now it is back I want XXXX in dispute XXXX and XXXX XXXX  should be removed there balance is wrong and the time limit it up for them to be in my report. 

thank you 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 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been receiving two hangup calls a day for many months from XXXX, and I discovered by XXXX  the number that it belongs to Credence Resource Management of XXXX, TX, office number XXXX. I have never answered any of these calls - I always let them go to my voice mail, and the caller always hangs up without leaving a message. 
I also found MANY complaints about the same thing online from others who have been receiving and answering these calls from this number, some of whom describe misleading and abusive collection attempts for, ostensibly, XXXX XXXX XXXX. Many of these comments state that the persons receiving the calls once had XXXX XXXX XXXX accounts but no longer do, or are paid in full. My only connection with XXXX XXXX XXXX is through a company they own, XXXX XXXX, but I am paid in full. 
I am fed up with receiving these calls and I want them to stop! I suspect that Credence Resource Management thinks my phone number belongs to someone else, but I've had this landline for about 12 years. You would think that a collection company would at least call the correct number, or be more professional and leave a message instead of harassing people with hangup calls. This, to me, is bad and possibly illegal practice. 
Anything you can do to stop this harassment would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR

Complaint narrative:
On XX/XX/2018 I submitted a complaint under the number XXXX. The financial institution submitted their response and stated that they were going to send a letter detailing the documentation that I had to submit for them to continue working with the loss mitigation package.  On XX/XX/2018 I received the letter and on XX/XX/2018 I submitted my response with all documents that were petitioned, (See attached email sent on XX/XX/2018.)The financial institution never responded to the above mentioned letter, instead they sue me in State Court, (Case number XXXX) and move forward committing dual tracking.I am currently undergoing a judicial foreclosure process, in which the financial institution has not mentioned the outstanding Loss Mitigation package that was submitted and instead are moving fpward with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Republic State Mortgage Co.
State: TX

Complaint narrative:
I was locked in to a rate and told that if rates dropped more than .25 % of a point that I would get the lower rate. Rates dropped more than the set amount but XXXX would not honor the emailed agreement and kept me at the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. 

Cheers 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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MT

Complaint narrative:
Debt shouldn't have ever been legally sold to company to begin with, Debt was result of relationship using information // I did not consent to this account. 

I would like this immediately removed from my report ; or the ability to complete fraud investigations on this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: TX

Complaint narrative:
To whom it may concern : Transunion You are still violating the law by validating the account below without sending the necessary proof that its my account and that you have a right to collect on this account. 
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Reported balance : {$2000.00} Opened : XX/XX/XXXX XXXX   Reported balance : {$7400.00} Opened : XXXX XXXX, XXXX XXXX XXXX Reported balance : {$11000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$110.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$660.00} Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Open balance : {$9100.00} Opened : XX/XX/XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person. Please follow the law ( FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ) and update me with new correction on the above account within 30 days. 
I await your response,

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
This office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: DISCOVER BANK
State: FL

Complaint narrative:
In XX/XX/XXXX. I received a statement that they are updating the system and the direct deposit needed to be re-entered in the system. I tried to re-enter the deposit with a representative over the phone. The representative helped me to log in however the system was having issues. The representative helped to remove the old account so that I could re-enter the new account. After I completed the update I asked the representative to check the account to make sure the information is updated and that we have everything completed. She confirmed everything looks good and the information and date is set for direct deposit. The following week I traveled out the country, went I got back I received notifications of the payment being late. I am disputing the late payment reporting. I have had this account for more than 5 years and never had a late payment. When I called Discover requesting a courtesy to remove the late payment due to system error and their update as well as having a great payment history, they said there is nothing they can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We ( XXXX XXXX ) received this loan in XXXX from the below company.Shortly after the car was not functioning appropriately and was not working .The company refused to fix the vehicle and resulted in us making no further payments and that the company was then called to come and pick up the vehicle.They never fixed the vehicle or returned it to us .We have tried to contact the company to make restitution and have found that they have gone out of business and has several complaints on the XXXX.They removed the repossession from my wife 's credit report some time ago but not mine. We need this removed ASAP it is interfering with our home loan.Please contact XXXX XXXX XXXX or by email XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$13000.00} You've paid off 16 % of this loan OVERVIEW Highest balance {$13000.00} Monthly payment {$420.00} Opened XX/XX/XXXX ( 6 yrs, 6 mos ) Term 44 months ( 3 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Joint Remarks Repossession Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX USA ( 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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MA

Complaint narrative:
Transaction done at ATM. Bank is not disputing the charge. XXXX NetSpend hasn't even sent the dispute to the bank for them to fill out. It's been well over a week now. N I still have gotten no right answer from NetSpend. Except that they are currently working on it. There is nothing to work on if the bank isn't disputing the charges. I have spoke to bank manager personally and she assured me that as soon as they received it. They would release my money. NetSpend has me on edge with this they are acting as if they are trying to give me my money back. They are rude and no matter who you speak to you get a different answer Everytime. I just want my money back so I can close this account with NetSpend.

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 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I do not owe this debt I request all of the following information be provided to me : Documentation showing you have verified that I am responsible for this debt, or a copy of my signature with a signed contract with this company. 

Otherwise I ask that you remove this debt from my credit file as it is reflecting negative on my file and is making my file look bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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: VA

Complaint narrative:
I have been disputing multiple accounts on my credit report and I haven't seen any responses from Experian or XXXX. It almost seems like they're not taking anything serious currently. I would just simply like them to remove these accounts that are not mine. It is going on six months of no responses from this, I will attach all my letters to this complaint to prove my struggles with them. I'm just trying to move forward with my life and these accounts are hindering me from getting a new home and new job opportunities.

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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
I have no knowledge of this and would like it removed immediately. This debt should have never been sold to company to begin with, this is not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Payment was made on XX/XX/XXXX and has not been applied to balance. Concern is XXXX XXXX is reporting an incorrect balance ultimately impacting my credit limit and score with is reported to all credit bureaus. I feel this is a violation of the FCRA as funds have been applied but they are holding the payment for 7 days and the payment has cleared. This creates a bad customer experience.

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 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc
State: AL

Complaint narrative:
COMPANY FILED IMPROPER LAWSUIT, ORDER FOR POSSESSION WAS OBTAINED BUT NO ORDER FOR MONEY OWED. THEY HAVE THREATENED GARNISHMENT AND HAVE NOT RESPONDED TO REPEATED ATTEMPTS FOR VALIDATION OF THE DEBT. NEVER RECEIVED PROPER NOTIFICATION OF COURT SUMMONS AND THEY SEIZED PROPERTY ( INCLUDING 2 DOGS ) WITHOUT CONSENT AND REFUSED TO RELINQUISH LOCATION OF ANIMALS/PROPERTY WHEN REQUESTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with explanation