vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 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:
Hello, I leased a vehicle from American Honda Financial in XX/XX/2020. Honda made the first payment for my vehicle which covered the period between XXXX and XX/XX/2020. I made multiple attempts to pay my account in the month of XXXX by inputting my bank account information. 

I received a message in XX/XX/2020 that said " thank you for your payment '' which led me to believe I had successfully made payment on the account. It came as a surprise to me when my account showed as past due a week later. The issue was that Honda did not try to pull the money out of my bank account until 1 week later after the honda account was past due. When trying to pull the money from the bank, honda was unsuccessful. 

Honda was unsuccessful because the account led with " XXXX '' which has otherwise been successful with other attempts to retrieve cash from my bank account. My bank account had more than sufficient funds to make payment - in fact the lease is now fully paid off. 

The payment was seen as past due because of a clerical error and caused a significant hit to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I'm am sending a complaint because my student loans have been sold 6 times between lenders for 20 years. I inquired about the legality of my loans being sold without my permission and no one has responded the loans went from Sallie Mae, to XXXX, to another one, and then to Navient who spiked the rates and the fees. My loans went from $ XXXX to $ XXXX. In addition, I filed a complaint about XXXX XXXX  for fraudulent charges for courses and years I was no longer enrolled with the school. It was a tuition mill. When I called and asked for transcripts, I was never contact and that was a year and a half ago. Currently I have an excessive amount of loans that I don't have the original amount for. This is insane the charges etc. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX  ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2021-08-13 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: PA

Complaint narrative:
Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2021-08-13 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: PA

Complaint narrative:
Two months ago I sent you a letter regarding inaccurate things on my credit report but I until this day over 45 days already, I still got no response. I was told by an attorney that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CashMax LLC
State: WI

Complaint narrative:
I took out a loan for {$800.00} at a ridiculously high interest rate of 647 %. My bad, but it was the only option I had at the time. I needed money fast and planned on paying off the loan very quickly. 

I have screen prints of my payments, and on XX/XX/2021, I thought I was making my last payment. I had my regular payment of {$230.00} come out that day. The webpage said as of that payment ( on that day ), mu balance was {$400.00}. I went online and paid that exact amount. It even said my balance was XXXX, and I was happy Inever had to deal with one of these shady lenders again. Now today ( XX/XX/2021 ), I have a mysterious {$100.00} unknowingly taken out of my account from Boost finance. I called them up and asked what that was for ... .They tell me it was to pay my loan off ... .never really explained what the remaining money was for. They tried telling me that the payment I made of {$400.00} was not the last payment and I still owed them {$100.00}. If I really did owe them that, they should have spelled it out for me clearly, because at that interest rate, I would have paid it off when I had the money 2 weeks ago. 

I sent them a screen shot and they then tell me they are calling me back. They call back and tell me that their IT department made a mistake!! It is always the IT department making the mistake in the end, isn't it? lol. They said I still really owe them that money ( I have not figured out if I actually did or not because I was furious with what was happening ... i do know I paid them {$370.00} in interest in 40 days on an {$800.00} loan, and that should be illiegal in itself, but I signed up for it ) ... .They then say they are going to refund me the {$100.00}, but it will not get back to me until the XXXX because that is when it posts ... This is now XXXX-5 days that they unknowingly took my money, and I now have unsufficient funds fees from my bank ( 2 of them for {$34.00} ) and I am not able to cover 2 bills, which is going to get me in trouble. 

I have also been getting offers since the second I paid that money off that they want to give me another loan ... because that one was paid ....

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
OPTIMUM OUTCOMES have been calling my phone for over 6 months now without my consent. I do not know them nor how they got my information but that's identity theft. I have over 30 calls, which I can prove, showing how much they're calling me. I've asked them to stop calling and to remove my number from their system but it's clear they're not listening. As a consumer, they're violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The mortgage company ( Select Portfolio Servicing , Inc ) wrongfully put forced placed insurance on the property when there was an active policy. They were well aware that the property had an active insurance policy. 

After months of attempts to get them to remove it they finally did but refused to remove the charge on escrow. We have had a lawyer hired to resolve this matter but they refuse to remove it. ( {$7500.00} XXXX We had notified them months ago that we wished to pay off the loan and unfortunately we have had to pay interest for these months due to the delay caused by these improper charges. ( 6 months ) We filed a CFPB complaint ( XXXX ) and they responded giving incorrect/false information stating that the XXXX policy lapsed in XX/XX/XXXX when in in fact there was an active policy until XX/XX/XXXX and a new policy active right when that policy expired with no Lapse. ( please see attached insurance dec pages for XXXX & XXXX. ) We, Our lawyer and insurance agent have provided both policies to the Lender multiple times. The Attorney send multiple letters and communications to the Mortgage company. Now I've been forced to file a second complaint because they gave incorrect/false information to the CFPB when the policies clear show there is not lapse in coverage. 

I am attached the declaration pages to show that there was not lapse in insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
We can not operate like that. 
How is it possible that {$30000.00} simply disappear after being transferred, with absolutely no follow-up from XXXX XXXX ( former TransferWise ). 

The status for the transfer in XXXX XXXXXXXX website says : ransfer successfully sent Keep in mind It can take up to 2 working days for your bank to credit the account. 

It has been over 4 days, and nobody has reached out to me ( in case they need any verification ). 

How is it possible that {$30000.00} just disappeared like that. 
Do I really have to chase my own money because the involved banks and partners are not doing their job? 

I understand if there are additional checks and I will provide anything that is necessary. What I don't understand and don't agree is that nobody reaches out to me. They just keep my money somewhere ( possibly earning interest to them? ) waiting for me to take an action that I don't know what would be. 

I don't have anybody other than XXXX to contact. However, XXXX website shows it as fully completed. 

It is a service that is completed, but not just not delivered, but I'm not even aware where my {$30000.00} went to. 

This is just absurd, and poor job from regulators ( unfortunately I'm not surprised - it's money first, service second ). 

I would like to request an audit of all services provided by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2021 Equifax today forced me to enroll in their XXXX XXXX program as a condition of being able to log in to my existing account. 

This is a change from before, where I could manage my account online without this condition. They also didn't sufficiently describe this process, but I do lose 6 free credit reports. 

I called to ask them to remove me from the XXXX XXXX program and was told that I would then lose online account altogether. This was also not disclosed when I was automatically enrolled in the XXXX XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: GA

Complaint narrative:
I have sent multiple disputes to transunion for reporting a XXXX XXXX credit card that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: NY

Complaint narrative:
I was discriminated against by BANK OF AMERICA. They violated my rights as a consumer pursuant to the Equal Credit Opportunity Act.

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 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and Midland is still reporting account as no paid. Please remove account from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: Professional Credit Management, Inc
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... 
XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... that are listed on my credit report. 
Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Several times today ( XXXX ), I attempted to access my account online, but kept getting error messages stating that I did not have authorization to access the account " on this server. '' I called Synchrony Bank and talked to two different people to try to resolve this problem, including an alleged bank manager named XXXX, but they refused to fix the problem. In fact, both of them hung up, the first ( XXXX ) when I asked to speak with a supervisor, and then XXXX, when I demanded that they give me access to my funds on deposit so I can pay my bills. What should have taken less than two minutes to accomplish online has now turned into an hour-long hassle, with still no resolution to the problem!

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 2021-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
HSBC Bank provided misleading bonus advertisement. It sent me an email on XX/XX/2020 saying that I would receive {$15.00} per month for 6 months if I made 10 debit transactions. From XXXX  to XXXX  I made at least 10 debit PURCHASE transactions each month, but HSBC refused to pay out the {$15.00} per month bonus, claiming that these didn't qualify. All of the transactions I am referencing coded as Purchase on my statements. They did not code as cash advance, ATM withdrawal, or balance transfer as HSBC claimed. They can see the statements themselves.

email from HSBC To qualify for the Card Transaction Offer ( " Card Offer '' ), up to {$90.00} ( {$15.00} max
per month ), you must have an Eligible HSBC Mastercard Card ( " Eligible Card ( s ) '' ) issued to you by HSBC Bank USA N.A. and complete at least 10 eligible new purchases per calendar month using your Eligible Card ( s ) during the Promotional Period. Eligible Card ( s ) includes HSBC Debit Mastercard card ( s ) linked to your HSB XXXX checking account and/or HSBC Mastercard credit card ( s ).

Company response to consumer: Closed with explanation