vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I have an auto lease with Honda Financial Services and on XXXX of 2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: KS

Complaint narrative:
1. The company has been calling numerous times daily even after leaving voicemail messages 2. They have effected several payments from my bank without my authority - thereby exposing me to overdraft fees and thereby threatening my overdraft status with the bank.

3. I tried to resolve this a few days ago when I answered their calls regarding a past due account, which I wanted to settle outside the regular semi-monthly payments we had agreed - this is the amount I'm complaining about.

4. In that call on point 3, above, I had requested they move forward the payment days by two days to correspond with my new salary paycheck dates - which they ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
Smith and Rouchon Associates very rude company I receive harassing calls from XXXX till XXXX daily the company has been leaving 2 to 3 voicemails daily demanding they hear from me before the day is over I even agreed to set up payments monthly what i could afford they wouldn't accept the payments I wanted to make they demanded I pay what they wanted me to pay XXXX XXXX or XXXX has a very nasty attitude just sick of the harrassment and calls all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/2019 I contacted Macys debt collection held by Citi Bank. A payment was issued through my online bank the same day to pay the account in full. XX/XX/XXXX Citi Bank stamped the check and deposited the payment into their account. Payment was not applied to my account. 


Since, I have contacted the company 5 times. Each occasion the company has refused to give me the account number, as well as not permit me to speak to a supervisor. 

On XX/XX/XXXX, I was told to fax the proof of payment to Macy 's payment investigation. The representative XXXX told me to call back in 48 hours to discuss the proof of payment and the investigation. This morning I called ( XX/XX/XXXX ) and was told it can take up to 45 days for them to review and investigate the payment. I again was told a supervisor was not available and to call back. 

It is odd to me that a company would deposit any funds received without applying to an account.

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 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have had problems with my account for a while - either double charges from the merchant or simply using the wrong card - while my account was restricted I wasnt able to produce the proof of it which I have - now Im looking at my account being negative and when I spoke to a rep name XXXX today XX/XX/2019 he told me that the documentation wasnt received and they reversed it - I explained to him of course because due to the account error that was just fixed I wasnt able to access my account. Again my parents are on my account which I thought I remember them months ago because Im old enough but now this is effecting them. I need 2 things. 1 to have my cases reopened And my account not negatively and I need my parents removed like I though I had.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: United Collection Service, Inc (FL)
State: IL

Complaint narrative:
My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as XXXX is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My credit card was used without my permission for an online purchase at XXXX XXXX and XXXX, where I discovered this from reviewing my account activity before I made my monthly payment ; my card is in my possession. The transaction was dated on XX/XX/2019 where I have contacted the merchant and my credit card company. The merchant advised me to contact my financial institution, where my financial institution declined my dispute stating " it appeared to match my account usage, and the ABA and billing information matched ''. When I contacted the merchant on XX/XX/2019, they advised me that there were many fraudulent orders that was placed on their website, and they are trying to work with the victims like myself. I have reason to believe that my dispute was not filed and only merchant representment was submitted. I have asked my financial institution to provide me with DETAILED information as to why my dispute was filed, and not just a simple " it seems to match what you use your card for ''. I need order information, IP addresses from where the order was placed from, shipping info, contact info, and anything else that was used ; I have not received this info. This transaction was for {$110.00}, where I have to work several hours to make this back up. I REFUSE to pay this amount, because according tot the terms, I would accept responsibility for the charge. I need this reconciled immediately, as I do not want this charge to roll over to my next billing cycle and I am charged interest and it is reported back to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal credit. 6 months interest free account. I have a account and have been with PayPal from the beginning in XXXX. I signed up for PayPal credit when it first started up. Problem is the payments I have been making go towards to total amount due and not the oldest purchases I made with a 6month interest free. so the oldest accounts never get paid off on time and interest is charged. I have acumalated several tousands of dollors in interest and no matter what I pay it just keeps going up. When I was making purchases on XXXX PayPal credit was paying for my purchases Evan if I have more than enough in PayPal ballance to cover the purchase. In XXXX I was charged {$990.00} in interest for the year. This year alone almost {$400.00}. my payments now are only covering interest charged. I talked to 3 agents going up the ladder to the top overseer and he attempted to baffle me over with why and when and company policies. he kept apologising over and over and that, as i told him, was admission of wrong doing.

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 2019-05-31 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: TX

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX has listed my account balance the same since XX/XX/2019. I submitted information and documentation to Equifax to resolve submitted dispute for incorrect payment history, continues to report back verified and accurate. 
XXXX XXXXr XXXX XXXX XXXX XXXX, I am requesting statement balance as of close of business date XX/XX/2019 to include my payoff balance. I also am requesting the estimated date that my payment made XX/XX/2019 will be submitted and processed. I also would like a written response as to why I I have to contact the CFPB in order to get responses to written request sent certified mail with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account from XXXX XXXX XXXX on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection action has been terminated from my credit report?

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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
back in XXXX of XXXX, i called the water delivery company XXXX to cancel our service. at the time we had several 5 gallon bottles of water, it was agreed we would run through them and a final date of empty bottle pick up was established ( around XX/XX/XXXX ) the bottles were picked up as agreed. i received the final bill in XXXX and paid it. then in XXXX we received four more bottles. i immediately called XXXX to let them know that we did not want them and that the account was cancelled back in XXXX.they said they would fix it and pick up the water.at he end of XXXX i received a bill for the new delivery. i sent the bill back to them, writing on the face of it that the account was cancelled in XXXX. i then got a bill in XXXX for the same delivery. i wrote on the face of that bill, again, that the account was cancelled in XXXX and requested that they stop sending me bills and to come pick up thewater. they completely ignored both of my requests. i janurary we received another bill with surcharges. for the third time i sent the bill back, writing on it again that i was getting extremely frustrated with them ignoring what i'd written on the bills. to be honest, i included a bit of invective and commented on the incompetence of whoever was opening the bills i had sent back. so in februrary i got another bill which i threw out in frustration. in XXXX i got another bill and was very frustrated so i called XXXX to complain, inquire about the issue of them not understanding that the account was cancelled back in XXXX and to try to work out with them what exactly the problem was. i explained this whole saga in detail to the person on the phone, expressing my frustration. the way the call ended was that she would look into it, they would pick up the water that is still on my porch from last XXXX and they would make sure the account would be cancelled. i never heard from them until my wife received notification from a collection agency in the middle of may-the account is in her name. it was a generic letter with no reference to XXXX, whatsoever. when she called the collection agency, they sent the string of bills that i described above. i believe this was unfairly sent to collection i believe their company engaged in improper action. i have since called both XXXX and the collection agency and got the complete run around from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: ID

Complaint narrative:
I was applying online for loans and I got an email saying that I was approved and it said from 2000 to {$5000.00} it gave me alone code I talk to somebody on the phone and gave them all of my banking information and he said that he they had to deposit money into my account and then I had descended back to them so they could verify my checking account and when I asked them if it was a scam he said it was not a scam and hung up on me and now every time I call the number it just disconnects they do not answer This happened today XX/XX/XXXX and about XXXX XXXX and it's They have not taken any money yet I wanted to report it I'm not sure if they will his name is XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 18 19 and 31 40 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
They want XXXX monthly payments. I can afford XXXX a month, they won't accept that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CL Holdings LLC
State: FL

Complaint narrative:
The account was originally with XXXX XXXX XXXX # XXXX then it was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX with a balance of XXXX, i disputed in XXXX then it says it was deleted on XX/XX/XXXX but its still showing as a open account I just need this to be deleted from my credit report. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: NY

Complaint narrative:
I have an auto lease with XXXX XXXX XXXX and on XX/XX/2019 it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

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 2019-05-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an auto lease with XXXX XXXX XXXX and on XXXX of XXXX it reported to all 3 credit bureau that i was late 30 days and caused my score to drop over 50 points which denied me an approval for a coop / condo mortgage. These mortgages have stricter requirements than standard single family homes. I called XXXX to express my concern and they provided me with a certified copy stating that my account was never late or been delinquent since its birth and they have never reported anything negative to the credit bureau. How is that mistake made and how can it be fixed. Tried to dispute with all three credit bureau but my credit score stays the same and provided them with a copy of the letter exonerating me from such delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
I was approved for a modification in XXXX for 40yrs in the amount XXXX a month. This was being paid to XXXX and then it was transferred to Rushmore in XX/XX/XXXX. I was never late with my payments. I received a letter stating I had to reapply since the transfer of servicers took place or pay all the amount I owed on the loan. I am currently sending them my payments which I originally was approved for and my statements shows the amount going into a special account versus lowering my principal. I did send the application they requested along with additional docs although i keep getting calls of the same missing paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is an account from XXXX XXXX XXXX  on my credit report. It shows that that account has been sold to XXXX XXXX XXXX. I recently sent XXXX XXXX XXXX a debt validation letter and the response I recieved was dated XX/XX/2019 says that the collection is terminated. 

I am wondering why is this account currently showing that it is still in collection. Why hasn't the account been deleted if the collection has been terminated from my credit report?

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