vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
Never missed a payment and at payoff my account is sating they I owe payment and reversed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
Currently Honda Financial Services only accepts purchase from Honda and Acura Dealers. This practice creates a disadvantage for me as a customer since the Honda and Acura dealers will offer disadvantageous terms in the loan used to repurchase the car. 
I would like to sell the car to XXXX, which is a car dealer, and has a reputable history of operations. This will allow me to collect higher resale price. Honda Financial Services stated that they will NOT accept a check from XXXX and that the title can not released. 

I asked how long I would have the title released so I can resell to XXXX, HFS will only release and provide the title in 3 or 4 months!!! 

This situation is exploitative since the shortage of used cars in the market and XXXX intent do collect benefits to their Honda Dealers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI

Complaint narrative:
We called our mortgage company ( lakeview loan service ) on XX/XX/XXXX to change the date of our mortgage to the XXXX of XXXX instead of the XXXX. I was assisted by a women who change it over for me. On the XXXX of XXXX my mortgage of {$1600.00} came out of my account because of the holiday. Then another {$1600.00} on the XXXX which is the day i wanted it out. Now my bank account has been negative for the past 8 days. When i called and spoke to a superviser at lake view he told me that this suituation was the completely the fault of the women who assisted me. He told me all He could do for me was refund my money back which would take 3 business days ( wednesday the XXXX ) and come into my account. Now it's the XXXX business day ( Thursday the XXXX ) i call the company again and they tell me it was sent by Mail and I wouldnt receive it for XXXX days from the date it was sent which is the XXXX. When I asked to speak with a manager they put in a request and said it would take 24-48 hours until they would contact 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 2022-01-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Asset Services, LLC
State: GA

Complaint narrative:
I had an account with XXXX charge off in XXXX. It was for XXXX XXXX, acct # XXXX. I paid this account off in XXXX with Frontier Financial, and will attach a copy of my letter showing the debt was satisfied. To this very day, me, my husband and my parents will get calls from collectors about this same debt. I have attempted to contact Frontier, but it appears they went out of business several years ago. The people calling to collect always give random company names that are never the same. This item has long since fallen off my credit report so I know the debt is not legit, but these calls are embarrassing and cause me a lot of mental anguish. How can I make these calls stop??

Company response to consumer: Untimely response
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to the CFPB to make complaint about the reporting agency, XXXX. This is not a third party filing this complaint. 

The credit reporting agency, XXXX, has been furnishing false and unauthorized accounts on my credit report. XXXX is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, consumer and natural person, did not give any written instructions to XXXX to furnish these items on my account listed below. 

XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
XXXX MTR Account Number : XXXX Please ensure that all information is accurate XXXX. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : 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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
There are multiple misspellings of my name, inaccurate phone numbers and addresses i am not associated with. I would like to make sure my credit report is up to date and has the correct information. There is also an incorrect social security number connected to my name. 

These names are incorrect : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX A XXXX, XXXX XXXX XXXX These addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX. numbers are not associated to me : XXXX, XXXX, XXXX Incorrect social security number : 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 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/21 a letter was mailed with certified receipt asking for validation of this debt and I havent received a response within the 30 day threshold from XXXX XXXX XXXX I called in to verify my letter was received and they confirmed over the phone please remove this account I now consider it to be invalid after failing to validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through Experian. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as XXXX. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S. 
In the case of XXXX, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.

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 2022-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I am paying off my last and final payment on my XXXX mortgage, the loan officer told me my last payment would not be automatically taken from my account but that I would have to come in and write a check to PNC for a different amount than was on my last agreement, I did exactly as I was told, and wrote a check to PNC, XX/XX/22,, yesterday on XX/XX/22, I got a late none payment notice from PNC, I went to the branch and was XXXX XXXX to speak to the manager and they refused to give me the number of someone higher up, finally a assistant manager spoke with me to resolve this, I had to write another check with a higher amount to satisfy the loan then I personally took it to XXXX  to send it to the mortgage department, I seems this not a truth in lending process per my mortgage agreement and a negative affect on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
It's saying the account is still opened. It shouldn't be. I paid my loans off within 2-3 months when it was supposed to be a year loan! I've tried to dispute and that doesn't work. It did tell me it would stay on my credit for 10 years. Then I also figured out this kind of loan is actually a bad loan to have on your credit report. Makes other creditors think you're risky. I don't know why it can't be removed! They got their money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am an attorney who has practiced law since XXXX. I maintain two accounts at PNC : XXXX XXXX and General accounts. PNC recently purchased BBVA. I banked with BBVA for over 20 years. During that 20 year period it was my usual business practice to electronically transfer monies from the XXXX XXXX to XXXX once I earned the money. Since PNC acquired BBVA they now prohibit electronic transfers of monies from my XXXX XXXX to XXXX. In order to effect the transfer of the monies I have earned to General in order to pay my bills including payroll, I must drive to the PNC branch with a paper check from the XXXX XXXX made payable to me and deposit it to General. This is a waste of time and resources for my firm. This has occurred on at lease three occasions since XXXX, most recently XX/XX/XXXX. 

I called PNC to challenge their practice and was told " this is our policy ''. There is no such prohibition by the Florida XXXX XXXX. PNC cites to no other legal authority for their practice. I believe that PNC is violating some banking rule or regulation with the implementation of this in-house policy and I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022 Kohl 's contacted my wife 's job trying to contact me. My wife is not listed on my account nor have I ever allowed Kohl 's to contact my wife 's job asking for me or her for that matter. She did ask the representative with Kohl 's to remove her work number from their database. But this situation opens up unnecessary conversation for my wife and her workplace that shouldn't have happen. I have no idea how they got her work number or even knew to pull her job up. I am only a month behind in payment- the new payment has rolled over to a new due date. I hope this is somehow addressed it's a major invasion of privacy. Thank you for your time. 

Also the number that contacted her job is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent an {$800.00} payment to a friends account on Cash App. Unfortunately it had been a few years since she used Cash App, and when she re downloaded the app she was unable to log in to the account I had sent the money to. She contacted support through the app and exchanged messages with over 10 robotic-seeming customer service advocates who kept asking her to prove her identity, which she did, but then was told information was incorrect or missing without explanation when it was not. On XXXX XX/XX/XXXX I began to contact Cash App in-app support for help refunding my money, since my friend was not gaining access to the account. I was shuffled between 8 different advocates who kept repeating the same thing, that they could not help me, and ignoring the content of my messages until finally my complaint was escalated to email support. Finally on XX/XX/XXXX a cash app support manager named XXXX emailed me saying he could not refund the payment and could only work with my friend, the recipient. I added my friend to this email exchange and she gave him a detailed account of her history trying to gain access to the account. He responded that a specialist reviewed her account and determined that they could not help her gain access to her account or the {$800.00} that I sent her and he was unable to provide further information for this particular case. A complete dead end which has left my {$800.00} locked in Cash Apps investment funds and myself unable to get refunded for this. For a company that made {$5.00} BILLION in profits in XXXX the complete lack of support is truly criminal. The support number just hangs up after an automated message saying none of the advocates are available to help, and to use in in-app support. It should not be this hard to reverse a payment, particularly when no one has received it by officially accepting the funds. 

It also should not be this hard to verify my recipients identity, to transfer the balance between her old and new accounts or to grant her access to her old account. Any reputable banking system would have been able to provide support to fix this immediately the day after it happened back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/2019, we formally informed XXXX XXXX Resorts of our intent to release from timeshare agreement on the grounds of fraud, misinterpretation and financial hardship. 
The company continue to charge us annual fees during the process and had ruined our credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 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 — Problem with personal statement of dispute
Company: Aspen National Financial, Inc.
State: CA

Complaint narrative:
Aspen National Collections continued to collect debt and continue to charge fees while in legal dispute with XXXX XXXX XXXX. We have notified them of the legal dispute in process but they continue to collect and charge fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2022, I found out that Navient made a settlement for loan forgiveness. I called on XX/XX/2022 and asked XXXX people if I was impacted by this. They stated they had no idea and had no idea who could give me this information. 

I am seeking to know if my loan is a part of the settlement. I would like this via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation