vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Despite sending in Form 50-285 Lessees Affidavit Motor Vehicle Use Other Than Production of Income, which Honda admitted they did not process timely, Honda charged me property taxes on my vehicle in violation of Texas State Law. 

Under Texas State Law, anyone to be charged property tax, MUST : - be notified of the amount of tax to be charged and the appraisal value of the property ; - be given the opportunity to protest the taxes ; - be given to appeal an unsuccessful protest. 

Honda did not do any of the above. Additionally, I did not waive those rights in my lease agreement with Honda. This is a clear violation of Texas State Law. Honda can not charge me property taxes because of this.

Honda was informed on this on a recorded phone line multiple times and by letter sent be certified mail. Despite my many attempts to resolve this, Honda continues to operate in bad faith and sent a debt collection agency to collect the debt. The debt collection agency consequently violated the FCRA twice.

This must stop. Honda must immediately cease collection of this debt unless they can provide clear proof that I waived my rights to be notified/protest/appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XX/XX/ with approximately {$35000.00} left on my original loan. My Mortgage Loan was transferred to Green Tree Servicing LLC d/b/a Ditech d/b/a Shellpoint Servicing then Sold to XXXX XXXX XXXX. Green Tree Servicing LLC put my account in default the first month and foreclosure the 3rd month by withholding the first and all payments thereafter. I have been fighting the Lenders and the Court System for 9 years and have hit a brick wall from the highest level and from all angles. The Court System doesn't care if your signature and documents were forged by the Lenders. The Judges allows this White Collar Crime Foreclosure Fraud to use the Court System to break the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Freedom Mortgage did not pay our property tax bill. I paid it and contacted them about them not paying it and requested a refund. I have not heard from them again and have no other recourse. They sold the mortgage to XXXX XXXX and neither mortgage company will assist me. Please see the attachment for the " Notice of tax sale '' due to non-payment and the credit card receipt of the payment that I made.

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 2023-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Fl,XXXX XXXX Account number, XXXX Navy Federal I refinanced my vehicle with navy federal on XX/XX/XXXX, and my initial interest rate was 6.09 %. Within the contract, it notified me that I had 90 days to add Navy Federal as a lien holder to the title. I did not add navy federal to the title. Navy Federal waited until XX/XX/XXXXXXXX XXXX XXXX to change my interest rate to 16.35 %. According to the contract Navy Federal had 90 days to enforce that clause of the contract but Navy Federal waited over 960 days to enforce that portion of the contract. Navy Federal did not enforce the contract until it was convenient for them. After raising the interest rate the agency told me that if I add them as the lien holder within 90 days of the interest increase they will put any additional money paid towards the principle of the loan. The agency enforces the contract out of retaliation. The contract clause should've been implemented within 90 days of the contract being signed. I have never been late on a payment and I have never missed a payment on the loan.

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 2023-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Credit Union authorizes EFT without consumer authorization.

Refer to Consumer attachment letter below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/ a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued 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 non-monetary relief
Consumer complaint received 2023-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX  a Natural Disaster happened in Florida which my car was totaled out by XXXX XXXX XXXX XXXX. A check was mailed to XXXX XXXX XXXX for $ {$4900.00} and not excepted due to XXXX XXXX not be able to deposit. Meantime I had to continue to make payments. Another, check was mailed to the same address and account was paid off and a balance due to me. 

During this time the account was labeled as closed to all credit bureau. I called the finance department and ask why they labeled it closed instead of paid off. Credit report went down XXXX points and no refund after many calls for my overpayment to them. 

I am baffle that a natural disaster could cause so much damaged to ones credit score after paying on time and the account was reported to all credit companies as closed resulting into a negative adverse effect. I would like the correction from XXXX XXXX to be updated to paid off when that is what happen and my refund issued 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 non-monetary relief
Consumer complaint received 2023-07-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The following companies have taken more than 30 days or more to respond and not resolving my complaints being made. This is the last warning before legal action will be taken against them I have documented over 35 CFPB complaints that have all come back with untruthful verified claims. I also have COPIES OF ALL CORRESPONDANCE WITH XXXX, EQUIFAX AND XXXX WHO FAILED TO REMOVE THE INACCURATE INFORMATION. XXXX STATED THEY WOULD NOT REMOVE ANY ADDRESSES CONNECTED TO CREDITORS WHO CLAIM THE ADDRESSES ARE MINE. I HAVE ALL THIS ON RECOREDED PHONE CONVERSATIONS WITH XXXX, WHICH I HAVE PROVEN ARE NOT MY ADDRESSES. I ALSO HAVE IN WRITING AND WILL BE USED BY MY LEGAL COUNSEL AGAINST XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX WILL ALL BE SUED IF NOT DELETED IMMEDIATELY THIS IS THE LAST AND FINAL WARNING BEFORE LITIGATION. IDENTITY THEFT AFFIDAVITS AND AFFIDAVITS OF TRUTH HAVE ALL BEEN SENT AND WILL BE USED TO SUE FOR DAMAGES AS ALL FCRA AND THEIR CLIENTS REFUSED TO RESPOND. WE WILL BE ASKING FOR THE AMOUNT OF {$500000.00} FOR DAMAGES AND LOSS OPPPORTUNITIES. THE FOLLOWING ACCOUNTS NEED TO BE DELETED IMMEDIATELY OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I noticed a debt collection on my credit report from Transworld Systems for an amount of {$1900.00} that I was never notified of this debt or nor was it ever validated or given the opportunity to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My credit card was turned off. ( XX/XX/ ) Even though I called VCU ( vystar ) months ago, even over a year ago to address a financial hardship I had encountered I was told that I would have to jump through some hoops, and even then there would be no promise that the interest would not stop accruing against me time and time again I would find a time to call or go into the bank itself to figure this out time and time again I was turned away without a resolution whereby I would be continually charged monthly, the accrual of interest. In three years I found it incredibly difficult to keep those payments going and now that I have this letter here informing that the credit card has been closed I feel disenfranchised. The approximate {$1400.00} that I have spent on that card which is under its limit skyrocketed to over XXXX when I could not make the minimum monthly payments. Even though I did correspond with this bank and attempted to explain my situation, I was given no do course for a resolution. This coincides with a charge to my checking account with them, that, even though I tried numerous times to address, including going into the branch, and having personnel there verify the lost money I was unable to see it all back, and as a result of being in financial hardship, that checking account was closed due to drawing a negative balance. Where I thought I had given my due diligence to point out the fraudulent charges in person at the bank one or maybe two of those charges was overlooked resulting in a few XXXX dollars being extirpated from my pocket I trusted this bank with my money to protect me in my identity and now I feel at a loss, maybe if I had more money or income they wouldve treated me better I do feel discriminated against. It is possible that it I somehow miss managed information on my end. However, having submitted the claim for at least three fraudulent charges, I have no paperwork here and no emails that would show any effect of what charges were even addressed.

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 2023-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
I borrowed {$320.00} to fix my car because I recently had to get on XXXX. I cant make these payments! They told me the interest rate is over 1000 % Please help me XXXX cant even buy food now at the end of the month. 

XX/XX/XXXX. {$40.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. $ XXXX XX/XX/XXXX {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due XX/XX/XXXX. {$190.00} due I literally will not be able to eat and pay my electric bills and water. Please help me how can this be legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 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: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXX XXXX ( XX/XX/2022 ) XXXX OF XXXX XXXX ( XX/XX/2022 ) XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification.

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
" In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : Credit Acceptance, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I made two transfers from my Savings account. One was an ACH to XXXX for $ XXXX from Ally Bank XXXX The second was for bank to bank transfer from Ally Bank to XXXX XXXX for {$16000.00}. This was on XX/XX/23. XXXX XXXX was my fault, I didnt have sufficient funds. This amount never made it to XXXX XXXX account before it was requested back from Ally because of insufficient funds. Ally already had that money coming back but locked my account so I couldnt see when it returned. After several calls and several days, I had access back to that account because the {$16000.00} was returned. The problem now is the {$9400.00} was requested back from Ally. After three more calls to Alley, they now found the funds, created a case number ( # XXXX ) this was on XX/XX/23. As of XX/XX/23, the account is still under investigation and no funds have been returned to my account. The call today also said, they dont know when it will be returned. This is well after their 3-5 day policy. I want my funds back into my account, that really should have never been requested back because they had already the funds from XXXX XXXX. That more than covered the funds.

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 2023-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS BANK OF AMERICA CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.

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 2023-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. Santander Consumer USA was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is XXXX XXXX XXXX XXXX. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. XXXX XXXX XXXX XXXX is in violation of statute of limitations. I am considering filing a lawsuit against XXXX XXXX XXXX XXXX for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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