vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: CO

Complaint narrative:
XXXX is listing the incorrect address for American Honda Finance/Honda Financial Services. The street address is listed as XXXX XXXX XXXX XXXX. The XXXX street address in North Carolina is XXXX XXXX XXXX XXXX. XXXX is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as American Honda Finance. The correct name should be Honda Financial Services. Honda Financial Services also has an address in Texas - Honda Financial Services, PO Box XXXX, XXXX, TX XXXX. What is the correct address for Honda Financial Services for communication regarding consumer credit reporting - Texas or North Carolina?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Hello, I am closing a mortgage account with Dovenmuehle Mortgage Inc. My new lender ( HFCU ) requested a pay-off statement on XX/XX/2020 from Dovenmuehle but they didn't get a response. I requested a pay-off statement and obtained it on XX/XX/2020. I did my closing for the refinancing XX/XX/2020, so that the due balance to Dovenmuehle will be paid off and I will work with another provider ( HFCU ). 

Today, the same day I did my refinancing closing, XX/XX/2020, I received a letter from Dovenmuehle mortgage stating that the right to collect payments from me is being transferred to another servicer ( XXXX XXXX ) and that Dovenmuehle won't accept any payments from me after XX/XX/2020. So I have only 4 days to adapt to this change. 

Soon, my new lender will send a pay-off check to Dovenmuehle Mortgage company, but if it is later than XXXX XXXX XXXX Dovenmuehle will not accept the payments, and I will be late for payments unless I continue paying to the new servicer. Dovenmuehle customer service suggests to me continue paying the new servicer and get a refund later.

This is a scam. When I called the new servicer ( XXXX XXXX  ), the automated message starts with " If you are a transferring customer from another provider, enter ... '' This is a set up done by Dovenmuehle Mortgage company to confuse customers and get them to pay double. I am pretty sure XXXX XXXX is a paravane company still controlled by Dovenmuehle. This is insane. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have an American Express optima recovery credit card since XX/XX/2019, American Express offered me this credit card that time and they send me an invitation to apply as a second chance to rebuild my credit with them telling me that I have to hold this card for at least 12 months before I apply for any other credit card with American Express on a condition that during the 12 months period I have to use my card and make payments on time which I did along the whole 16 months now Now they have mislead me because I have tried to get a different card after this 16 months period of using the card wisely and paying on time and never missed a payment the whole entire 16 months and I got granted other credit cards with other banks provide me benefits. 
Now this American Express optima recovery Card never grant me any benefits and never helped me down the road as it was explained to me that American Express will consider me another type of credit card granting benefits once I have completed 12 months of using this optima recovery credit card. This card is benefiting American Express only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2020-07-27 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 — Investigation took more than 30 days
Company: DISCOVER BANK
State: NY

Complaint narrative:
ON XX/XX/2020 I SUBMITTED A DISPUTE TO XXXX REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : CALL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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:
I tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.

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 2020-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to refinance my auto loan today XX/XX/20 but unfortunately I was unable to because when they ran my credit I was told that there were many accounts in negative standing appearing on my credit history. I had no idea what accounts they were referring to since I have always paid all of my credit cards and loans on time. I looked through my credit report myself and I saw accounts and inquiries from several different companies that do not belong to me. I'm not sure who these accounts belong to but I have never given anyone permission to open them in my name using my personal information. I am not affiliated to any of the companies listed on this report nor did I benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have already filed a police report regarding these suspicious accounts and inquiries.

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 2020-07-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I called Equifax to get a change of email address to my credit report & got XXXX, XXXX said I would be able to access my report once she completed the change. I can not access the report with the old or new email at all. The old address is XXXX with a user ID of XXXX. The call took 48 minutes with her stating there is a latency with her system repeatedly, but when asked what that meant, she merely repeated the phrase. Since I can not log in at all now, something has been blocked that needs to be cleared. The inaccuracies are still not seen by me because of access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Furthermore this account is over 2 years old and should no be affecting my credit but it does and its very challenging to get ahead with something so old on my credit history. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ON XX/XX/2020 I SUBMITTED A DISPUTE TO EXPERIAN REGARDING A COLLECTION ITEM ON MY CREDIT REPORT. THE ITEM WAS OPENED FRADULENTLY AND I CAN NOT GET THE ITEM REMOVED.

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 2020-07-27 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: FL

Complaint narrative:
Their investigation did not fix the issues I disputed on my credit report and it has been 30+ days.

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 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I am the only provider in my home now due to Covid 19, I have discussed my problem with this loan company but the keep going to my job. I could be close to losing my employment if they continue. I have told them numerous times not to do this but they continue. What else can I do, until my son starts receiving checks regularly I'm stuck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I have a coinbase wallet account with Coinbase and was recovering a wallet with my 12 key passphrase, when I recovered my wallet I had noticed that {$500.00} worth of Etheruem ( cryptocurrency ) has vanished XXXX I have not done any transactions with this currency for the money to leave my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In 2016 things were on Credit report that were in accurate and are still on my report to this day and I wrote letters numerous times to get a thorough but still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-07-27 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: Caliber Home Loans, Inc.
State: WI

Complaint narrative:
I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. 
After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called Caliber on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XXXX and was told by XXXX that if the funds were made immediately available to Caliber, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to Caliber. I specifically said XXXX to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XXXX, my credit received a blemish from Caliber home loans. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called Caliber Home Loans no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take XXXX to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to Caliber Home Loans have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
Their investigation did not fix the issues I disputed on my credit report and it has been 30+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: FL

Complaint narrative:
Their investigation did not fix the issues I disputed on my credit report and it has been 30+ days.

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