vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have lese a car in XX/XX/XXXX from American Honda finance corporation.in XX/XX/XXXX I have surrendered back the car to the dealership because I was behind on a payment and they keep calling my job and my co worker and manager keep knowing that I was behind on my payment.i felt badly but most of my co workers understand because we work at a car dealership and sometime it gets slow.The boss get me a little XXXX  car and I pay him montly for that one. In XX/XX/XXXX I have been contacted by XXXX XXXX XXXX XXXX   and they told me that they have my account at their collection dept.and they told me how much it was and they asked me if I wanted to set up a payment it could be any amount, i would have to pay {$7.00} plus that amount to the account.I make arrangements to pay $ XXXX month to my account, so all together I pay {$57.00} every month until I get a letter from American Honda finance stated that they no longer work with XXXX so I must pay them that {$50.00} every month.I stated to pay American Honda finance since XX/XX/XXXX, first they sell my account to some place I can't remember, they call me I have your account I said what account, they told me American Honda finance sell them my account I told him I pay my bill.i call American Honda finance and told them I was going to complain to you guys and they keep the account and I still pay them.my big problem is I have been always getting letter that I haven't pay them, I call them all the time I got those letters and they told me that they are going to update their system and I don't have to worry but XX/XX/XXXX they reported incorrectly to the credit bureau taking 40 points from my credit and I trying to buy a house.i call them and they said they are going to send to XXXX  I call them dispute it.today I see my XXXX report miss pay so I call American Honda finance the lady told me I have money for her from XX/XX/XXXX. what can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
My dispute with Sears has been going on since XX/XX/XXXX. I contacted them when I returned from my trip to XXXX on XX/XX/XXXX because I charges on my bill that were not made by me. I was out of the country from XX/XX/XXXX until XX/XX/XXXX. I was sent a new card and told that an investigation would be opened. Since that date more charges have been made on that account none of which are made by me. Sears has been extremely unhelpful in resolving the matter. At some point I believe my identity was stolen because I have had similar issues with other credit card companies with that were opened without my knowledge. I also had unauthorized charges made on other store cards and they all have been settled and resolved by each company but sears continues to give me the run around. I have made a police report as well as reported the fraud to all 3 credit bureaus and so far everything has been resolved. Even the IRS is informed of the issues Ive had. I just want to get rid of this issue with sears because it is affecting my credit. Ive had my sears card for more than 10 years and Ive never had an issue making payments. I pay all my credit cards on time I wouldn't have any motive to want to take advantage of sears. Ive gotten to the point where I had to close my store card because I can no longer deal with the aggravation of having to call almost everyday for the past 6 months and stil get no resolution.

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 2018-04-16 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: CA

Complaint narrative:
Notification of Identity Theft to Financial Institution and Credit Grantors XXXX2018 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Fraud Department : XXXXTRASNUNION RE : XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX  through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX has done already.

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity.

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information.

The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX

Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile.

Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency.

Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account.

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience.

Sincerely, 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 2018-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I am close to paying off my auto loan with Santander Consumer USA. I have been watching my balance decrease until recently. The last few months I have noticed that my loan balance resets when my monthly statement is released. I also see that the maturity date on the loan is continuously extended. It was XX/XX/XXXXand now I'm told its XX/XX/XXXXI have paperless billing and I have been paying my monthly payment regularly. I don't get any assistance when calling Santander. When I call Santander Consumer USA, the CSR simply tells me that their records show no such discrepancy. I believe that my payment records are being deliberately altered and falsified. I recently printed my last five years of payment history and will continue to do print my balance statement until I find resolution. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$410.00} with XXXX XXXX  and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
OnXX/XX/XXXXwhile on a flight with XXXX XXXX a Credit Card from Citi was offered to me by a flight attendant. This offer advertised that once I spent {$3000.00}, I will receive XXXX miles-bonus, XXXX miles for every dollar spent on XXXX XXXX flights and some other benefits. 

After applying to the XXXX I got the card and called Citi to activate the card and to create a web account. I was told during this phone call by a Citi representative that I was going to receive the XXXX miles bonus in about 8 weeks after spending the {$3000.00} and that every time I booked a flight with XXXX XXXX using this card, I would receive XXXX miles per dollar spent. She also said that she was going to cancel a Citi card she found under my name that was issued sometime before by Citi but that I never got and I never used. 

After coming back from another flight at the beginning ofXX/XX/XXXX, I signed up into Citi web to find out how many miles I had and I realized that Citi did not apply the XXXX miles per dollar I spend on the flight I booked with this card and through XXXX XXXX. 

After talking to a supervisor she told me that I was not enrolled in the XXXX miles bonus program because of that previous card the first representative found that I never got and I never used. I explain to her that I was told in XXXX by the City representative that I was eligible and that all I had to do was to spend the {$3000.00}. This supervisor approved a XXXX-mile bonus to me right away for the inconvenience and told me that she was going to write a note requesting Citi to apply the XXXX miles that they promised to me from the very beginning. 

Today XX/XX/XXXXafter spending {$3600.00} and after making all my payments on time, I got I a letter from Citi saying that the special offer of the XXXX miles is not available to me. 

I am filling this complaint against City and I request an investigation to Citi because they not only are using unfair and deceptive credit card practices but they are also lying to me by advertising and promising what they are actually not doing. I feel treated unfairly because I did what I was told to do ( spend more than {$3000.00} and of course I have been paying on time ) and I feel that this company has used false statements because now they want to deny what I am entitled to. 

I really appreciate any help you can offer to me and to any other customer who has gone or is going through the same or a similar situation.

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 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
I do not have a signed contract with XXXX XXXX. They are stating they purchased the account from XXXX XXXX XXXX XXXX. This bank doesn't exist. they are stating i owe a balance of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: EMBRACE HOME LOANS
State: MD

Complaint narrative:
Embrace home loans received the bill from our insurance company XX/XX/XXXX, as of XX/XX/XXXX they still did not make payment to our insurance company. I called XX/XX/XXXXto find out why - they had no answer and said payment would be sent within the next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
There is a FULL month going back and forth with this mortgage servicing company about a stupid change of address and for some reason they keep on giving me a very hard time and just dragging me around with all kinds of excuses and lies.

1. As many times I called in I was kept on hold for hours and transferred from one department to another department each time with a promise that someone will take the call, but that never ever happened, leaving me in the dark with nothing resolved.

2. There is a promise on their website that the messages on the site will be handled within 48 hours, but indeed it takes 96 hours if not more than that, if at all.

3. A month ago they confirmed me that the address was changed, but then after a week or so I recognized that the address was not changed, so they told me that they couldn't change the address, since they address appears as an hotel ( which is not true at all nor is it near any hotel ) then the promised to escalate it, but it took them another several days to come back. If they couldn't change the address, how come they didn't communicate back to me in the first place, how come they left me in the the dark with replying and communicating with me while indeed they even wrote me back to confirm that everything is in order and updated!!!

4. This is also non sense as I confirmed the address which is an address in a foreign country why and how will they be able to confirm this, I'm the one here and telling them that this is the address while they are not even local to verify or argue with me on this.This is what I gave them this is what they should accept, anything behind that is behind the scope of their responsibility.

4. After confirming the address, they came back with a new excuse that since I'm represented by an attorney, they can't make any changes upon my request as any communication needs to come directly from that attorney. This can't be any more false than this a ) they made the initial change without my authorization and without the attorney 's authorization while I was already represented by legal counsel, so how come the first change they can do while the second they can't? b ) They have on file an authorization from my attorney allowing to communicate directly with me.

This is just even more confusing and seems just an excuse, as you changed this address to the current address while I was represented and without my or my attorneys consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX  is trying to collect a debt but are unable to provide me the proper documentation stating the debt was mine and that i signed contracts. the debt is for {$1500.00}. Being that they can't provide these documents, they can not prove the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: NV

Complaint narrative:
On XX/XX/XXXX I was granted a discharge of my student loans due to a XXXX. At the time of my XXXX discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX and XXXX XXXX XXXX XXXX as, well as XXXX. OnXX/XX/XXXX it was reported to all three credit Company 's XXXX EQUIFAX, & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX, & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX  also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment in XX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three XXXXEQUIFAXXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also XXXXEquifax/XXXX   transefered to another lender there is only one lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXXI was granted a discharge of my student loans due to a XXXX. At the time of my XXXX  discharge I was current on all my loans, and have been in deferement. My Loans are with XXXX  and XXXX XXXX XXXX XXXX as, well as XXXX. On XX/XX/XXXXit was reported to all three credit Company 's EXPERIAN, XXXX & XXXX   that my loans were discharged closed with XXXX  balance. I got a letter from XXXX & XXXX that they were sending over a request to update all my student loans with a XXXX balance. I got a email from XXXX in my XXXX  inbox account stating XXXX also was going to request the late payments to be removed as, my loans were in admin forbearance during the 90 day late payment inXX/XX/XXXX. I have proof of bost I have submitted disputes after disputes with all three EXPERIANXXXX  they refuse to remove the late payments, or close my student loans that have been discharged. These accounts were in good standing with no late payments. Also Experian/XXXX   transefered to another lender there is only one lender.

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 2018-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
back when it was inbehind I owm monet I caught it up so they still say iwas behind

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 2018-04-16 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: NCB Management Services Inc.
State: MI

Complaint narrative:
I filed a bankruptcy chapter XXXX that was discharged onXX/XX/XXXX. I checked my credit report and all was fine except NCB Management a debt collector for 12 XXXX XXXX XXXX XXXX. Has my account as bankrupt however they still have it listed as open. I called before the discharge and asked the gentlemen why it was still listed as open, he advised me that he would correct it immediately. I filed a complaint with XXXX  and XXXX  so far I haven't heard back from them, however I decided to call NCB again and the collection agent advised me that they did have it as bankrupt however they by law code 93 of the fair credit reporting law had to keep it open. According to my credit report they last reported this account open on XX/XX/XXXX. I realize that if the account is closed and has been closed for almost two years it should say closed having it a bankrupt is not enough. NCB Management Services XXXX XXXX XXXX XXXX  PA XXXX their phone number is XXXX The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to  allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on 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 2018-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
A company named Portfolio Recovery Associates claim that I have two unpaid accounts with them. The dates the accounts were opened arXX/XX/XXXX andXX/XX/XXXX. The first amount is {$480.00} dollars and the second amount is {$660.00} dollars. I have filed a dispute with all three credit bureaus but I don't believe they have removed these false accounts from my credit report. I have hand written letters to the bureaus also.

Company response to consumer: Closed with explanation