vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
XX/XX/2020 my leased vehicle was involved in an accident which resulted in a total loss of the vehicle. The lease was with Honda Financial Services ( HFS ). HFS was notified by my insurance company of the loss and payment was made to HFS by my insurance company. HFS continued to process the monthly payment on the vehicle for the months of XXXX and XXXX even though they were aware the vehicle was a total loss. The last billing statement I received for this vehicle was in XX/XX/2020. The statement indicated {$0.00} due and I believed this account was settled with my insurance payment.On XX/XX/2020 I received a notice from HFS indicating my lease had expired and I was in default of the lease. On XX/XX/2020 I received a notice from HFS indicating they wrote off my account and sent it to a debt collection company. I tried to access the account on the HFS website, however, all access to this account has been denied and I was referred to Customer Service. When I spoke to a Customer Service Rep and requested to escalate my call to a Manager, I was denied and eventually hung up on. I believe that HFS violated several consumer protection laws in not allowing me access to my account, taking negative action against me without notice and not allowing me to dispute and/or resolve my concerns with the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Debt placed on my credit report but is not mine. Have never received any communication about debt and when I called collection company they could not locate information and stated they could not help me and hung up. Filed dispute with XXXX and there findings say it is viable so I asked how could they call it viable when I could not get any info about the debt. 
This item had been placed on my credit before by another collection company and later removed when I notified them it was not my debt. The company that placed the account for collection is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX. They were trying to collect for an address in XXXX IA and had a collection company called XXXX XXXX who also placed it on my credit report. I ultimately disputed the item since it did not belong to me. I have resided at the same address in IL for the past 17 years and never lived in IA. I sent a fraud report to XXXX and they removed the item from my report and informed XXXX XXXX. I thought this was the end of the issue until it showed up on my report placed by I.C. System Inc XXXX who I contacted and would not help me because I do not live in XXXX IL and they hung up on me. I have disputed this item twice thru XXXXand there reply is it is a viable debt. I cant understand this decision since I can't get info from the collection company what type of info did they get. Other than this showing up on my credit report and dropping my rating by 70 pts and causing my Credit Card Companys to drop my credit line and making it impossible to get loans I have not received any bills or notices of collection from XXXX or IC Systems. 
I had my wallet stolen several years back and have a police report to verify the instance. All my IDs were in it along with my SS card. XXXX has been of no help and they do not provide a thorough investigation and XXXX and IC systems refuse to listen or provide info but were quick to place on my credit report. If XXXX would require proper IDs when establishing services this situation would not occur.

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 2020-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stallings Financial Group, Inc.
State: KY

Complaint narrative:
this company is trying to collect a non existing debt, they mailed a letter requesting payment and I replied denying the debt since it is non existing, and I never had any relationship with this collector agency. Their response was to mail the receipts form my kids dentist and show " the debt '' amount by {$53.00}. Also included in this response they requested this debt to be reported to the consumer reporting agency as disputed, even if it hasn't been legally demonstrated that is real and existing ( which they won't never do, since it is not real ). 
Also they had never shown they legally own the " debt '' nor they legally represent the dentist in the complaint. To make thing worst, as part of their " bills/receipts '' to show the debt, it is clearly expressed the odontological history from my kids, which rights has been violated since I signed a HIPAA agreement with them, and now it is in hands of a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have already tried contacting the XXXX but I can never get in contact with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Thursday XX/XX/XXXX tried to deposit cash in Capital One ATM at XXXX  XXXX  on XXXX XXXX in XXXX XXXX the ATM took my cash but did not credit my account or give me a receipt. 

Called Capital One told me I would get an immediate credit within 2 to 3 days. 

Called back Monday XX/XX/XXXX told me the investigation would be 10 days and no immediate credit. 

We're working on the claim you filed for your account ending in XXXX on XX/XX/2020 for {$480.00}. Your claim number is XXXX and we'll be in touch when our review is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
On XX/XX/XXXX my endinh statement balance was {$13000.00}. On XX/XX/XXXX I deposited a {$50.00} check through their system. It cleared XX/XX/XXXX and only deposited {$5.00} into my account instead of {$50.00}. I am short {$45.00} in my balance. I have attempted to resolve this with the merchant on more than one occasion. I am also still missing {$45.00} from an error they made last year! So they have now stolen {$90.00} total from me. Simple math would have resolved this error durin my 1st phone call, however I am told representatives can not see my statement balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/2019 I ordered some clothing from XXXX XXXX incorrect items was sent. I returned the items. I wanted my money back and the company agreed. I never got my money back. XXXX XXXX sent documents that I made the order. Yes I originally made the order, but the things I received were not what I ordered. The company said I would get a refund and I am still dealing with this six months later.

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 2020-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My job is making payments on my behalf and all of those funds are going to interest only. I am told it calculates daily but that is not shown anywhere on the system. First i was in a bankruptcy for 5 years and making payments thru the bk system once it was completed they charge interest for 5 years. I don't think that is fair since i was making payment thru the bk system monthly. If it can be included in your repayment plan why would they be allow to accrue interest that whole time. now that i am out and have been making payments for the last 3 years my balance still is NOT going down. when i asked about it i was told i was in an interest only loan repayment. also found out that the XXXX that my job is paying on my behalf is going to interest only. I think this is crazy and no one can really explain how to resolve. Any assistance would be greatly appreciated. 
XX/XX/2020 Payment - {$150.00} - principal - {$100.00} - interest {$0.00} - {$250.00} XX/XX/2020 Payment {$0.00} - {$100.00} - my job - all interest {$0.00} - {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: TX

Complaint narrative:
I contacted XXXX requesting refinancing for lower payments * XXXX instructed me to miss 3 payments for enrollment in a program called HAMP * I complied. In month three I was instructed my loan was sold and to await instructions as to on a ) who to make payments to b ) how much payments would be * After approximately 2 months I phoned XXXX, concerned about timely payments, and was told theyd phone and email me once they determined who my new lender was * I continued to save the payments and finally after approximately 3 months they notified me I would receive written notification via mail from Gregory Funding regarding : a ) who to make payments to b ) How much payments would be * Gregory Funding mailed notice to render a single payment which was equal to previous payments ( no refinance ) * I asked about refinance status and was advised I would have to render payments without an interest rate reduction until they reviewed my file * No amortization chart, notice of interest paid etc was received, in spite of my inquiry for over a year. 
* Note : I asked why my On Time mortgage payments were not sent to the credit bureau. They advised they were not required to, which negatively impacted my credit. 
( 1 ) Complaint # 1- Gregory Fundings accounting continues to increase the principal balance on the loan, although payments were made timely. To date, they have added in excess of {$30000.00} to my loan. 

( 2 ) Complaint # 2 Escrow Account Failure to Pay Taxes Gregory Funding has not paid my property taxes for XXXX as of XX/XX/XXXX, which has accrued delinquent fees, although they have funds within the account. 

( 3 ) Complaint # 3 - Gregory Funding renewed my Flood Insurance policy by replacing my name with theirs. I filed a claim for damages and Gregory Funding received payment intended to pay me for damages. I still do not have payment.

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In attempt to link an XXXX  investment  account i was prompted to submit banking information. Unfortunately it seems to be dome authorization issues preventing the linking of the accounts. Id like solution to this problem. How do i authorize such transactions as this as well as future transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
For over a month Ive been trying to get my pay off mortgage amount from Freedom mortgage company. We sent total of four requests and every single one has been ignored. Today is XX/XX/20 I spoke on the phone with XXXX # XXXX, and she told me I can get it 3-5 business days ( Which they promised before, and ignored my requests ). And my closing is on XX/XX/20, I asked you o speak to supervisor and XXXX told me 24-48 hours a supervisor will call me back. Can you please help me get the pay off quote for my mortgage asap because these people are obviously corrupt. My loan number is XXXX at freedom mortgage. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI 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 2020-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone opened up this account fraudulently in my name.

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 2020-07-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received an email from XXXX  XXXX  that I have 2 hard inquiries from XXXX  and 3 from XXXX  1 was from Syncb/XXXX  XX/XX/XXXX ( I spoke to them and theyre sending me a letter to confirm it was fraud ) and the other is from Syncb XXXX XXXX XXXX XXXX XX/XX/XXXX when I asked Syncb/XXXX about it they told me theyre not the same bank and to contact that company but I cant find a customer service phone number and on XXXX  same ones and a new one that I cant get customer service on the phone is from Syncb/XXXX  XX/XX/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 2020-07-08 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I have been dealing with this issue since XXXX of 2020 when I paid off my car. I spoke with XXXX at CAC yesterday as well as a few weeks ago and she advised me that CAC reports MONTHLY to all of the credit burreaus. I called XXXX  ( I pay for the service, it's not through a third party like XXXX XXXX ) and it shows that they have not updated my credit file since XXXX of 2020. I've contacted them severly times regarding this, asking for clarification on why it wasn't reported, ask to speak to a supervisor to which I'm sent to collections even though my account is paid and full and closed and I get told there is no credit reporting department contact number, no headquarters number and I just have to wait. 

I have submitted TWO inaccurate credit report documents from CAC 's website. Both of which are " lost '' and they just sent me out another one. 

I then filed a dispute directly with XXXX  containing the Paid in Full, lien electronically released letter from CAC and XXXX  went to CAC to confirm the information and CAC told them that I was past due XXXX and 90-120 days late on payments which is inaccurate. 

I want this addressed ASAP and I would like CAC to be fined for FCRA violations and my credit filed updated ASAP.

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 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
five times already I have spoken to the bank on the phone and in person at the local location and it took 10 hours total and I'm trying to close this account. Every week they either freeze my account or disappears and my debit card doesn't work. I have tried in person and on phone so many times to fix this and I want my account closed and I don't want any fees assessed my account being this is my first month and my {$3.00} balance refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I attempted to applied for COVID - Relief in XXXX - on my auto loan - they continue stated I don't have an eligible account, I am being assessed late fees, and now they are reporting me as late on my credit report. Putting my job in a further compromised position. I can't reach a person. I have tried online, on their app on my phone - called and then rerouted to an automated system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I check my credit score often and on my credit reports I have no knowledge of rmp service the from where its coming from I know its a medicine place it says but I never heard of it and im very upset its on my credit report I tried disputing it and I have no papers from it its just on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have 2 hard inquiries on my XXXX  XXXX XXXX report from Citibank Na, XXXX XXXX the XXXX on XXXX XXXX and XXXX XXXX XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help

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 2020-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So many obstacles in rebuilding my home from Hurricane Michael.  1st dealing with insurance company & then Bank had money was cause of work stoppage. Chase wouldnt cooperate with payments ask for in contract. Had to get ahold of Bank Executive XXXX XXXX XXXX Ex XXXX. Wanted XXXX & was sent XXXX & was stolen & never to complete home. Chase sold loan to XXXX XXXX & same thing, I cant get my money to finish my home. Wanting documents that dont exist. Ive spent over 200k making my home better & exceptable to pass to my daughter. Im a XXXX vet & Ive had to fight to keep my homeowners insurance because of bad bank support & contractor that was XXXX in XXXX  I have litigation against Contractor & Im getting XXXX  by the banking system. All I want is to finish this nightmare. Its hurt my health 10fold. Please help me. 
Thank you Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I disputed a transaction in which Bank of America told me that I would receive a temporary credit. 15 calls over 1 week period and no credit. I called the merchant and spoke to several people and they finally agreed to give me my funds back. Now Bank of America is holding said funds from me and wont release them. I call both customer service and the claims department and they could care less. They say that there is nothing that can be done and pass me off to the next person. There is no true customer service here. Now I am sitting at home missing work because they wont release my 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 monetary relief
Consumer complaint received 2020-07-08 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with Chrysler Capital for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX and XXXX ; with no resolution. 
I am attaching a copy of my auto lease that I signed with Chrysler Capital along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 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: Global Lending Services LLC
State: SC

Complaint narrative:
I have contacted the company several times on XX/XX/XXXX and XX/XX/XXXX and didn't get any results. On XX/XX/XXXX I spoke with a representative he could not find anything in their system. So he told me call back on XX/XX/XXXX to speak to someone in another department which I did and she informed me that she could not find anything in the repo data system. She advised me to dispute it with the credit agency and they received the dispute and they will remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I was on the COVID 19 plan with NEW REZ MORTGAGE. I was on forebearance plan for XXXX XXXX AND XXXX. 

They reported me late for XXXX AND XXXX and my credit is destroyed. I was told and all the information available says that ANYONE that is on CORONVIRUS forebearance can not have derogatory credit showing they are late. 

Well my credit report is showing that I am late. I need these late payments removed. I am not late, nor was I late based on the COVID 19 agreement. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation