vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
I purchased and financed a new   XXXX    XXXX   XXXX  in  XXXX  KY and financed it thro ugh Honda Credit. I am aw are a payment is due  XXXX   XXXX  ; I have STILL NOT RECEIVED a statement from Honda ; I called the number on the website and their customer service is not open on Saturdays/Sund  ays. Poor business! I tried to make a payment on the phone, can not make a payment on the phone for you must set up a payment option online. I can not set up a payment option online for I do not have an account number because HONDA has not sent a statement. The dealership can not help ; called them as stated above.
This is an unfair and sloppy business practice. My payment will be late for I must wait until Monday to phone them and spend hours on the phone probably to get through. You would THINK I could set up an account with my social security numb er, phone number, size of underwear for I had to give all that info to get credit and buy their product. BAD BUSINESS!!!! I never even got an email from Honda Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Clearing House of America, Inc.
State: KY

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Credit Clearing House  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Card-   XXXX  Complaint - Account- Facts : 1 ) O n  XX/XX/XXXX  a charge for {$95.00} appeared on my credit card statement.    2  ) Immediately upon receiving credit card statement I disputed the charge with  Citi Cards s ince we do not use  XXXX  products.    3 ) Citi Cards  issued conditional credit  XX/XX/XXXX . .I thought the situation was resolved.    4 ) O n  XXXX   Citi Cards reve rses the credit and bills me $  XXXX a gain.     5 )  I called and cancelled my credit card since  Citi Cards  supports fraudulent transactions.    6 ) Citi Cards  continues to bill me for this invalid charge and adds interest.   7 ) On  XXXX   XXXX   Citi Cards  sends me the fraudulent explanation from  XXXX  where they have manufactured a Customer Check- Out Report that we have never seen and have not authorized.    8  ) On  XXXX   XXXX ,  XXXX  I write a formal complaint to  Citi Cards.     9 )  My wife and I do not use  XXXX  software on our current computers.    10   ) M y wife and I have NOT authorized a renewal of  XXXX  software.    11 )  My wife and  I N EVER authorized a charge to our credit card for  XXXX  software in the amount of {$95.00}.    12 )   XXXX  is attempting to perpetually bill us for a product we do not use.    13 )   XXXX  and Citibank are attempting fraudulent billing tactics on senior citizens, hoping we will pay the bill to stop the harassment.    14 )  The Customer Checkout Report that they have generated is pure fiction. We NEVER authorized such a charge since we do not use their product. They must be using data from a previous computer or transaction.    15 )  We will not be paying for a product we do not use for the rest of our lives.    16 ) Y ou will note on the internet that  XXXX  is attempting this fraud on many people. Exhibit  6 17 )  We had to cancel our credit card with  Citi Bank   ( w hich we had for over 16 years ) since they put an unauthorized charge on our account and would not remove it.    18 )   XXXX  is simply a scam artist attempting to push perpetual contracts on the public.    19 ) Citi Cards r efuses to remove the charge and says it our responsibility to get a credit from the scammers rather than having the scammer provide an authorized charge from us.    20 ) Citi Cards  are now continuing to bill us for this unauthorized charge plus interest.

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 2017-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery h as been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I,   XXXX   XXXX  , never opened the credit card reporting on my credit reports. It 's a   Wells Fargo card.
WELLS FARGO CARD SERVICE   #  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  IA  XXXX  (  XXXX  )  XXXX  Date Opened :   XXXX     This account is fraudulent, I never authorized this card, I never applied for this card, and I never made any charges or received any merchandise related to charges on this card.     Several pages later on this complaint you ask me for the billing address on the credit card. I tried to leave it blank because I do n't know. It would n't allow me to continue so I was forced to say it was the same as my mailing address.

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 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland Funding LLC has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

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 2017-04-29 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: AZ

Complaint narrative:
Issue revolves around Equifax refusing to remove a disputed account which originated with  XXXX  in   XXXX  . It has been reported by numerous collection agencies in the years since and has always been disputed, every time, and removed from every CRA because the debt was not valid. Suddenly, even though previously removed by Equifax, Equifax now claims that the debt is valid and claims to have " validated '' the debt twice, even though it has been disputed and ruled to be invalid by all three CRA 's for the pas t five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
ACSCA has been att empting to collect on a debt using harassing and deceptive practices. This debt was involved in identity theft. The original creditor has sold this account to several collection agencies and this agency is the third. The original creditor was informed of the identity theft and received all documentation from the police regarding this debt.  ACSCA has   threatened to file a lawsuit against me by serving a notice at a different address and has also threatened to sue me in different cities to obtain a judgement. They are using dishonest, harassing and deceptive practices to obtain a debt that was involved in identity theft. ACSCA has also posted this debt on my credit reports without proper notification and t heir representative stated and threatened that they will keep posting the debt on all credit bureau reports until its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIXIE FINANCE COMPANY
State: KY

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Dixie Finance Company has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I filed a police report for identity theft and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I am trying to clear up a debt owed by myself for a  XXXX   XXXX  from  XXXX  ; wherein at that time I was in   XXXX   ; I never had a  XXXX   bill  and have just recently been released from  XXXX  on  XXXX   XXXX ,   XXXX  . I have tried to clear the matter up with both  XXXX  and the  Enhanced Recovery Corp ;   and after speaking with  XXXX   XXXX  and opening up a fraud report #  XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person  in  XXXX  could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have spent approx. {$35000.00} with   XXXX   XXXX   over the past  XXXX  years. I paid it off last fall. Recently they contacted me saying I owed them {$2600.00} for a table I had purchased in  X/2016,  that they state they mistakenly credited my acct. for. The person who called me ( I believe  XXXX   XXXX  ) said " they could not and would not bill me, unless I consented '' .I reviewed my records and could not find evidence of a credit. I called and got voice mail and left a message that I did n't agree with they 're claim. I never heard back by phone or in writing. Several months  ( approx.4-5 )   later, I got a letter from a collection agency  (   XXXX  ), stating I owed the amt. I sent a letter ( to  XXXX  ) disputing the claim with my supporting evidence.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  ) sent me a letter and a " revised audit of my purchases ''. The letter suggests I contact her to " discuss any discrepancies and/or payment arrangements ''. I called her twice on   XXXX   and   XXXX   and left messages on both occasions and did n't hear back. The " revised audit '' I believe is insufficient as it is not the original credit bill  ( s ) I received and there are inaccuracies on it ( delivery dates ), that make the document uncredible. I have excellent credit and I am very disgusted with this issue. At this point, I am prepared to have them pick up the table rather than give them more money. I think that the unresponsiveness by their representativ e is purposeful. I take seriously the threat to my credit. If there are ORIGINAL Comenity ( the credit card company ) statements like those I received that support that a credit occurred then I might reconsider my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for  a Fifth Third Mastercard and was granted a card with a {$7500.00} limit. t 's been a nightmare trying to use the care ever since. Almost every time I try to make a purchase they decline it and shut off my card. The first 5-6 times this happened, I called in and answered some security questions and they reactivated the card. The 7th time it happened they were very rude and told me I had to go into the bank with my id documents and have the documents sent in from the bank. I did so. Once I did that, I called the fraud department back and they assured me that the card would be reactivated and that this kind of block would never happen again. My card was cut off again within 2 days. Then when I called in they kept saying the card was under corporate review. I asked who I could speak to about it and they said nobody. It 's been 6 weeks. I 've received 3 voicemail s from a lady apologizing that she has n't resolved it sooner and says cryptic things such as investigations and companies she needs to speak with. To date the issue has n't been resolved. What 's worse is now I am totally locked out of my account and can not see any information, do an online bill pay, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-29 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: NC

Complaint narrative:
this is the second time I have disputed this account,   XXXX   XXXX   XXXX  . It does not belong to me. It was put on my account  in   XXXX   XXXX  ,2013 and h as since not reported since    XXXX  2013 .   I  have not been provided with any documents at all. They did n't even respond to  XXXX   XXXX   XXXX  when they tried to contact them to validate in   XX/XX/XXXX .  I looked them up and they are not even licensed to collect debts.

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 2017-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran four unauthorized credit inquires on my name as listed below : XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX  Inquiry XXXX XXXX 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening XXXX/2017. They still went ahead and ran the credit on XXXX/2017. Once is forgivable. But I went into the dealership Saturday on XXXX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only one inquiry was made on XXXX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,

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 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Enterprise Systems, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I talked to  XXXX  or someone a t Le  xington law. He told me that the medical bills on my credit report would not be a problem to resolve. He showed me plans on the Lexington law website and when I saw the price I told him that was to o high and I was n't interested. He said sir I have a plan for {$24.00} a month. Then he told me that I needed to pay {$14.00} for a credit report. I was on a computer at the library and we did what I have been doing, disputing the collections of  XXXX  collection accounts. I am  a veteran and t he medical bills I am disputing for the last year are still on there. The doctors and hospital never bille d the VA.   He said he would take care of them for {$24.00}. He lied to me during this time I ran out of time on the library computer. I had forgotten about it. I checked my bank account it showed he had taken out {$110.00}. On  XXXX  and  XXXX . I called  Lexington   law and they told me that I had authorized the transaction. I told her I did not. she told me that they had my signature. She then told me that she would refund {$60.00}. I told her I wanted all my money back. She said she would refund {$60.00}. and said it would be in my account in 2- 3 days. Lexington law lied to me took money from my account that was not authorized by   me.   Please help  XXXX

Company response to consumer: Closed with explanation