vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
This is for my son 's auto lease of which I am a co-signer. 

My son leased a new car through Honda in the spring of 2019. He XXXX  in the XXXX  ( XXXX XXXX XXXX ) in  XXXX of 2019 with orders to report for XXXX XXXX/XXXX XXXX  on XX/XX/2019. He received a memorandum/letter from the senior enlisted member of his recruiting depot for early termination of his auto lease, through the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. He was instructed to make direct contact through Honda Financial for specific instructions on early lease termination, which he did. Honda requested a copy of the XXXX early lease termination letter from the XXXX XXXX, which he emailed to his contact at Honda Financial on XX/XX/2019. He also spoke at length on two separate occasions with his contact at Honda Financial in regards to when and where he should return the vehicle. He was assured by Honda Financial that they had received the termination letter and, all he needed to do was return the vehicle to the dealership at which it was leased, a few days before departing for XXXX XXXX XXXX XXXX. The vehicle was returned to the Honda dealership on Saturday XX/XX/2019, the dealership recorded the odometer reading and had him sign the termination paperwork and stated that they would send the paperwork to Honda Financial. 

My son then left for XXXX XXXX XXXX XXXX on Tuesday XX/XX/XXXX th 2019, several weeks latter Honda contacted me stating that they did not have the correct paperwork and could not reach my son. I informed Honda that he is not able to have outside communication while in XXXX XXXX. I asked them to contact his XXXX XXXX recruiter if they felt that the paperwork from the XXXX XXXX was incorrect. At the beginning of XXXX Honda Financial contacted me again stating that they did not have the lease termination paperwork and that we now owed Honda Financial for the XXXX and XXXX lease payments, and that furthermore the XXXX payment was considered delinquent and been reported as late to the credit bureau. At this time I made the payments for XXXX and XXXX totaling {$450.00}, payments for a car that we no longer were in possession of and had been returned to Honda per their instructions. At this time the representative stated that once the payments were made and the account brought current no further action on our part was needed. 

Around the XXXX of XXXX I received yet another call from Honda Financial stating that they still needed the termination paperwork signed and the odometer reading. I called the dealership for the odometer reading which they passed along to Honda Financial, I signed the termination paperwork and faxed a copy as well as mailed a copy to Honda Financial. The Honda dealership has stated that they were told by Honda Financial in XXXX to hold onto the lease termination paperwork until Honda Financial requested it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Bank of America the past, but they have failed to give me a fair solution to my issue. I have a Bank of Americar account, America XXXX. Opened : XX/XX/XXXX. Limit : {$3600.00}. Balance {$0.00}. Status : Closed. Bank of America has been reporting incorrect information to the credit bureaus. 

This company has failed have failed to provide me with an answer to my letter sent back on XXXX XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. As of today, the account is not under investigation since they did not remarked it as disputed. This is a violation to the FCRA.

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This account is related to fraud and they are still reporting it. 

This is affecting me physically and mentally and I want a fair solution to this issue. I am demanding a deletion letter from Bank of America and I want them to stop collection activity on this account. If they dont provide me with the deletion letter that I am demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up.

Thanks to whomever reads my complaint. See attached documents sent to Bank of America, which they ignored.

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 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
On XX/XX/2019 I received a call from an associate of XXXX XXXX XXXX  ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: PA

Complaint narrative:
Starting from the top. I registered for classes at XXXX XXXX XXXX University for the fall of XX/XX/XXXX, tuition and fees came to approx. {$2700.00}. I paid the school and for some administrative/clerical reason I was given a refund check and now owed a balance. I never signed up for a loan. Fast Forward my debt ballooned to approx. {$4000.00} by XX/XX/XXXX. I am giving approx. amounts because the Ohio States Attorney General has placed a hold on my records, and I have not been able to access my original statements from XXXX ( currently waiting to see if my request filed XX/XX/XXXX will be accepted ). Fast forward again to XX/XX/XXXX. After multiple moves including one out of state, I contact Wiener Law and Associates after receiving a notice ( can not remember date ) that my debt was given to them, and now has a balance of over {$7100.00}. I reached out to them to see if we could come to a reasonable settlement amount, and I made the mistake of telling them I needed my records released to continue my education. I was instructed by representative XXXX XXXX ( she has been my contact person throughout this process ) to send an email with an offer to begin negotiations. I sent an email on XX/XX/XXXX offering a {$1000.00} lump sum to settle the matter thinking that starting low would give me some room to work with. After not hearing back I reached out multiple times waiting on a response to continue negotiations, I finally got a response and I was told by XXXX XXXX that the lowest number they could accept was {$5800.00} and she continued to tell me that XXXX told them this is the only amount they would accept and that I had until XX/XX/XXXX to accept or the offer expires. I then made multiple calls to XXXX and the Ohio State attorney general 's office. I was making these calls to circumvent having to deal with this collection agency that has gotten terrible reviews online and is not negotiating in good faith. But I got the run around and basically was told that I had to deal with them. On XX/XX/XXXX after multiple calls to the Ohio State AG office demanding records of my account, I was finally told by staff that no one from Wiener Law contacted them about my account, nor was a {$5800.00} minimum amount given. I called Wiener Law on XX/XX/XXXX in another attempt to continue reasonable negotiations but was told by XXXX XXXX that she will not continue talking with me because I mentioned a lawyer and she hung up so here I am today, contacting you to see if you can assist me. I still have not received my original statements from XXXX nor any information on who was heading my account leading up to it going to the OH AG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I deposited {$6500.00} XX/XX/XXXX at sun trust bank, XXXX XXXX, XXXX, Florida XXXX, XXXX, they said my money would be available in 7 days, on XX/XX/XXXX, I tried to log into my acct and I couldnt, I called them and they said the acct was being closed, and they would mail the money to me in 10 to 14 days, the checks had cleared both business acct that checks were written on, but they wouldnt refund my money directly, Im a XXXX year old man trying to relocate to XXXX from XXXX, I find this very disturbing as well as financially uncomfortable, the bankers name is XXXX XXXX, also XXXX XXXX at another branch location, upon talking to bank regulators in XXXX and XXXX XXXX I found out, similar complaints were not uncommon, as these where the states I had to call to try to get some action on my predicament, I find this action unbelievable to be allowed in our banking systems, any and all assistance would be greatly appreciated, respectfully, 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 explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I contacted Ally Financial Auto Leasing twice before turning in my leased vehicle. I wanted information on how to turn it in early and what the cost would be. I was given all the info I needed and was given a payout cost, which was satisfactory to me. On XX/XX/2019, I turned in the vehicle to a local dealership. As I was turning in the car, I was on the phone with an Ally representative. The representative again told me exactly what to do, then she talked with the salesman and a manager to get some necessary information from them. I signed the odometer statement, per her instructions, and gave over the keys to the dealer. Since that day, I have received multiple calls from Ally bank claiming I was past due on payments. I called them back, multiple times, entered into an online chat, and sent them emails, trying to rectify the situation. Each time I contacted them they claimed they didn't know I was turning in the vehicle, claimed they didn't have any information about the dealer I turned it in to, and claimed I was past due on my payments. Today, XX/XX/XXXX, I called them yet again ( I believe for the 7th time ) to try and get this situation rectified. I asked for a supervisor, waited on hold, then talked with a supervisor. He said that he couldn't help me and that I had to talk a different department. He transferred me, I was on hold for 15 minutes or so, then the new department picked up. Less than a minute into the conversation she hung up on me - no one called back. 

After 30 days, seven phone calls, one lengthy online chat, and a couple emails, Ally still hasn't picked up the car I turned in. I did everything they asked and gave them answers to all of their repeated questions, yet still they haven't picked up the car and closed my account. I'm concerned my credit rating will be affected since they keep claiming that I haven't turned the car in and that I am behind in my payments. All they need to do is what they originally promised : They need to pick up the vehicle and send me a bill for the residual owed amount. I have no idea how to get them to do this.

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 2019-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported 2 fraud charges on XX/XX/19 for XXXX XXXX and I've received no credit as of XX/XX/19. They shut off 2 debit cards and left me without. I spoke with XXXX, supv who refused to give me her ID. I n ed ver received temp or perm credit. I got email saying I got letter but received no letter. It is taking 3 calls and an hour to place ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: OR

Complaint narrative:
On or around XX/XX/XXXX, I called my mortgage company Homebridge financial, to  find out if I was still signed up for auto pay. The representative I spoke with said that indeed, I was not on auto pay and would need to make a payment for my mortgage over the phone. I did this at her request. The following day and additional mortgage payment was drawn from my bank account causing me to go overdrawn. Apparently I still was signed up for auto pay, even though the representative told me I was not. When I spoke to Homebridge, they informed me that that there was nothing they could do but to have a check refunded back to me which would take 15 days. Meanwhile my bank account was overdrawn for the amount of my mortgage payment which was over {$2000.00}. 
I informed my bank of what was happening, and asked them to put a stop payment on the second mortgage payment that had been debited. The bank did so. After many many phone calls to Homebridge to sort out the problem, they then said that I actually still owe them a mortgage payment when it clearly said in my bank account that they had already been paid. I even gave them the debit transaction number stating the amount that had been debited and that has shown in my bank account that had been debited. 
Each representative I spoke with, and there were probably 10 to 12 different people including supervisors and managers that I spoke with, told me different information. Information that conflicted with what the previous representative told me. I also requested a copy of my note on 4 to 5 different occasions. It took over 15 days for me to get a copy of my note. When I inquired why it was taking so long and why I had to request so many times, each representative informed me that it was either a wrong work order that had been put in or some other bogus reason why the request could not be granted. Finally I had a third-party from my bank get on the phone with me and speak with a supervisor to get some resolution. We requested a copy of the note be faxed to us, to which the representative told us it should get to us within 4 to 8 hours. Nothing happened. Several days later a fax showed up that looked like a note but it was completely illegible. 
Homebridge argued with me back and forth for 19 days, each time I was the person who had to call them, even though I had requested call backs to help resolve the issue. They told me I had to make another payment because it still showed I hadnt paid regardless of what my bank said. In order to not have negative impact to my credit, at this point I made another payment. To add insult to injury, they charged me to make this payment over the phone and then added late fees into the payment. 
This is the most ludicrous, inept, unprofessional, boardering on illegal, company I have ever had the displeasure of dealing with. They still have XXXX of my hard earned money, my bank statement proves it. But they are saying too bad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2019 I became aware that a PayPal Credit Account was opened and used with my personal information at once I contacted the Bank `` Synchrony Bank '' to report the fraudulently opened account. A week later I received a fraud affidavit form and I then completed its entirety mailed it back to Synchrony On XX/XX/2019 I received a telephone call regarding the complaint the investigator mentioned various transaction which was fraudulent. 
On XX/XX/2019 I received a letter denying my fraud claim for, 1 ) Customer failed to cooperate with reasonable investigation 2 ) Customer released account information to a third party 3 ) Customer accepts responsibility for the charges All of which are not True I have made numerous efforts to get the fraud claim resolved.

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 2019-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: NC

Complaint narrative:
Loan has been transferred several times after a modification was approved by XXXX XXXX in XX/XX/XXXX. With a first payment to be due XX/XX/XXXX. Then the loan was transferred to XXXX XXXX. they said to continue to make modification payments but they hadn't set it up and stated that I hadn't sent my trail paperwork back on time which was not true as I have fax transmissions to show that I sent the documentation. A representative was advised of this and states that the fax transmission was not proof that I sent the documentation but that's how they asked for the documentation to be sent. Shortly after this my loan was transferred again to Midland Mortgage. Midland Mortgage  says that XXXX XXXX didn't send over all proper paperwork and are waiting on a title clear and that's what was holding Midland Mortgage up from sending the paperwork for the loan modification. I am now facing foreclosure on XX/XX/XXXX as nothing has been done and it seems that I am getting the run around with no assistance.

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 2019-12-30 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/2019 my daughter was contacted by Mr Cooper  Mortgage of XXXX TX, soliciting an opportunity for her to refinance her mortgage for her home in XXXX, VA for which I cosigned. She asked a few questions and told them she was NOT interested, however, they ran a hard inquiry on my credit, without any approval from my daughter or myself. I have contacted Mr. Cooper who refuse to remove the unauthorized, fraudulent inquiry. This inquiry has impacted my car insurance rates and could impact my employment. Therefore, I need it corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
AMERICASH continues to allow their 3rd party vender to take money out of my account every week unauthorized. I never authorized this payment or the last and they keep submitting these payments not even on the days I get paid. I want my payment information removed from this 3rd party vender the registered agent for this 3rd party vender as well as AMERICASH fir operating in Illinois because at this point these people are just using my credit card information as they feel and AMERICASH authorized these payments without my permission. Then you continuously send wage assignments to my job yet you ARE taking these payments. I have the screenshots  posted with this complaint yet your website states the last payment you received was XX/XX/XXXX when it fact you just took a payment on XX/XX/XXXX so if youre not taking thesepayments you have authorized someone to take them on behalf of AMERICASH. I dont even use that account any longer because you have given my information out to a company I know nothing about and they continue to use it at will. Who is taking these payments on behalf of your company as you have stated without your permission in error

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
A debt collection company has failed to validate the debt and provide valid legal proof that the debt is owed. I don't remember going into any contractual obligation with the original creditor are agreeing to an open contract are receiving any good services with the original are a debt collector. The debt collector is damaging my credit and has accessed my credit report without my permission and is invading my privacy and defamation of character. The debt collector has failed to comply with the 30-day requirement to validate the debt per Fair Credit Reporting Act and Fair Debt Collection Practices Act and must stop harassing me and violating my statutory rights by trying to collect this unvalidated debt by a valid ( wet ink ) contract. The company is proving false information that I owe them to all three Credit Bureaus, XXXX, XXXX, and XXXX. 
The account they are reporting under on my credit reports is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30 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: CORELOGIC INC
State: GA

Complaint narrative:
Hello, I have attempted to place a file freeze on my Corelogic Credco File for months and have been unsuccessful. I have recently just completed the information online and uploaded by ID. I received a ticket number @ XXXX. I called on XX/XX/2019 and spoke with XXXX. He informed me that there was not a signature. However, I have completed the information several time prior with signatures and

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