vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Honda Financials payoff - I traded in my Honda leased car with XXXX XXXX. the payoff of XXXX was mailed out on XX/XX/XXXX. 
Later that month when I checked if the payoff was posted I saw an outstanding balance for Property tax posted for the amount of XXXX and I paid that off immediately to expedite the payoff process on XX/XX/XXXX. On XX/XX/XXXX my payoff had still not posted and I called customer service and was informed the payoff was short of XXXX dollars which I immediately paid as well. I was told the payoff will now go through in 3 business days.

I called back on XX/XX/XXXX asking why my payoff has still not been posted and was informed someone is still working on it. I called back on XX/XX/XXXX and was told someone is still working on it. I called back today XX/XX/XXXX and am being told the same answer. When I got frustrated the representative tells me this is not affecting my credit in any way. How can I be sure? If I went for a loan today will this balance be on my credit report as outstanding or not? Am i showing late payment for XX/XX/XXXX since the payoff is taking more than a month to go through. I am not given a good or reasonable answer as to why there is a delay in closing my account? All they keep saying for more than 3 weeks is we are reversing and reapplying payments for the payoff. Please advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
First, I'd like to say thank you so much for taking the time to read my complaint. My issue is simply this, XXXX XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX, made a verbal agreement with me to settle a debt for {$500.00} back in XX/XX/XXXX. The original debt was for {$960.00} for a hospital bill to which the obtained my info illegally. To date, I already paid {$100.00}, which was back in XX/XX/XXXX. I did not make any further payments after noticing on their website that our {$500.00} agreement was not listed nor, could I see what the remaining balance was, which struck me as odd. Our verbal agreement had no time limit, dates etc. to which I'd be in default. XXXX XXXX never sent me an actual " stipulation settlement '' agreement via mail, email or otherwise for {$500.00}. I contact XXXX XXXX on a few occasions most recent ; XX/XX/XXXX and today, XX/XX/XXXX regarding default and legal papers that were sent to my home for original debt of " {$960.00} ''. I understand that this debt was to be paid, but I would like to know why I was not sent " stipulation settlement '' for the {$500.00}, and how can I be default of said verbal agreement? It's like it never happened. My concern was that if I paid the total of {$500.00}, I'd still get letter and court judgments for the entire balance. I gave XXXX XXXX my email address and my phone number on a few occasions. So, it's not that I'm trying to get away with not paying a debt, it's the principal of the matter, we had a verbal agreement. And, the fact that each time a debt collection agency makes an agreement with a consumer, there should be a discussion, followed up with written letter as to was the agreement is and what constitutes as being in default of said agreement. The most recent letter I received for a court appearance mentioned nothing of original agreement and still shows a balance of " {$960.00} '', which is still not correct. Any assistance would be greatly appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I've been working with Navient for quite some time. I last spoke with a loan officer and explained to them that I was currently in school and unable to make my payments until after graduation, at which time I would enroll in a payment plan. I was assured I had nothing to worry about, but they sent my loan to collections anyway! Literally, the day after I graduated! Since then, I've been paying {$200.00} a month to the agency every month since XX/XX/XXXX, and every month, My account is still being reported for missed payments by Navient even though they sold it to a collection agency. I tried to do the right thing and I'm still not getting anywhere. I've called Navient over and over again, even reached out to a customer advocate and I received no help at all. I am fed up and at wits end. I'm ready to pursue legal action against Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: TX

Complaint narrative:
Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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:
Credit report is reporting data that is incorrect. XXXX XXXX is reporting an account that was not opened or used by me. 

Hard inquires needing to be removed, credit was not extended

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 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
GE MONEY now SYNCRONY I purchased Furniture from XXXX in XXXX NY. XXXX XXXX XXXX went into collection. TO avoid a judgement I entered into payment agreement in XXXX. Payments were mad in full. No judgement was ever placed. somehow in XXXX this is STILL a revolving account on my credit saying it has been in collection since XXXX. They claim to have contacted me in XXXX stating I owe. what happened to XXXX, XXXX, XXXX? Someone sold my account as debt when it was already paid. I have been all over the internet and I see that GE has been having record keeping issues over the years and I know that this is a mistake. I have agreed to all debt and paid all delinquencies on my current report except this! PLEASE HELP ME!!! I asked to have it disputed. How is this even possible? why did they not file the judgement if I failed to pay? how can an account be in collections and still be revolving as not being paid monthly? this is literally a nightmare!! PLEASE HELP. 

XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2018-05-25 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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 2018-05-25 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: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the month of XX/XX/2017. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After paying off ( not closing ) a  credit card, my credit score dropped XXXX points. I got a low interest loan to payoff this high interest credit card. Once the loan was reported my credit went up XXXX points but as soon as I paid off the credit card, my credit dropped XXXX points. This credit scoring doesn't make any common sense. The credit bureau will not give you an explanation, they claim that they are not allowed by law. So they can affect my credit negatively and they don't have to explain why? where are the consumers rights? The way it looks is that the credits reporting is geared to the financial institutions benefits not the consumer. If I pay off a credit card, that is good for the consumer but bad for the financial institution, this needs to change. The credit bureaus are so arrogant because they know they have a monopoly.

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 2018-05-25 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX keeps saying they fixed the problem, but it still show incorrectly that the account was settled for less than the full amount. ( see highlighted portion of XXXX XXXX   response ). 
This is costing me {$88.00} per month in extra payments on my mortgage. It's been incorrect since XX/XX/XXXX. XXXX keeps apologizing, but hasn't fixed it. I'm getting tired of waiting. My next course of action will be in court. I will try and recover damages for my payments due to their negligence. FIX THIS!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
See attached letter dated XX/XX/XXXX to XXXX XXXX, Wells Fargo Bank, regarding a problem with a home equity loan that I had obtained in XX/XX/XXXX. 

Wells Fargo responded to me via letter on XX/XX/XXXX. Attached. 

I was not satisfied with Wells Fargo 's response because due to their error and confusing documents, I ended up paying an additional {$15000.00} to pay off my loan with interest. I contacted the person who responded to my letter and he was unable to resolve my concerns. 

XX/XX/XXXX, I received a phone call from XXXX XXXX of the Wells Fargo Home Equity Department. During our conversation, she admitted that the process was complex and confusing and that there were only a handful of equity experts like herself in the US. At that time, the maturity date of the loan was XX/XX/XXXX. If the entire balance was not paid off by this date, the fixed rate would expire and I would have to pay the prime rate. She also offered me a new rate to consider, which she said she " ... wasn't supposed to do. '' XX/XX/XXXX, I called Wells Fargo ; spoke to XXXX to ask for loan payoff balance. I also asked about the process to release lien from my home. She said I would have to pay a {$400.00} penalty and $ XXXX county fee for an early release because the account will not close until XX/XX/XXXX. She told me these terms are explained somewhere in my original loan agreement. I paid off the balance and subsequently discovered I over-paid by {$200.00}. 

XX/XX/XXXX, Wells Fargo finally debits my account with the {$200.00} over-payment.

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 2018-05-25 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: IL

Complaint narrative:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Ic systems is trying to collect a debt I do not owe for XXXX XXXX. This debt is not mine and I have never had XXXX XXXX. IC Systems did not send my any letters concerning this debt. I seen this debt on 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
Consumer complaint received 2018-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After two years of being a good paying Capital One Bank Credit Card customer, I had an income decrease as of XX/XX/XXXX due to having to pay for health insurance. I am a single woman in the state of New Jersey, employed full time, technically poverty level income. 

I contacted Capital One in XX/XX/XXXX to inform them of my income decrease, and to request help on one of two credit cards I have open with them, one with a limit of {$1900.00} with an interest rate of 21.49 %. 

I requested deferred payment and was denied. 
I requested lower interest rates and was denied. 

After falling 5 months behind, I was able to catch up with a gift given to me on XX/XX/XXXX,  because emails from Capital One said they would be willing to work with me. 

I called and paid on XX/XX/XXXX and requested a lower interest rate. I was told maybe in the future. 

Please help me find a way to get these interest rates lowered. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX consistently sends me offers in the mail to apply for their credit card ( partnered through CHASE ). Each offer shows an amount of new bonus miles that can be accrued if we fulfill the purchase obligations within a specified timeline. The nature of this offer was the most prominent part of the credit card offer. 

In XX/XX/XXXX I received such an offer, which clearly stated an offer number specific to my name and Southwest Rewards number. It also clearly stated a deadline for the offer to be valid. I applied, and when I was sent my card and approval Terms & Conditions, there was NO mention of the original offer of bonus miles. I called both XXXX and CHASE to request written confirmation of the bonus miles, and neither side could provide it. XXXX even stated that I didn't qualify for this offer at all, which was totally incorrect as the letter sent to me stated I did. 

Neither XXXX or CHASE would confirm the initial offer and neither would take any responsibility for ensuring the original offer of bonus miles would be attached to this card. I spent 2-3 days via calls and electronic communication and the further I went, the more suspicious and misleading it got. 

I ultimately elected not to activate the card and terminated the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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: IL

Complaint narrative:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

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 2018-05-25 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: IL

Complaint narrative:
XXXX account was cancelled and the company never closed account and kept billing me for service that was cancelled and not used. 

XXXX and XXXX, account paid and still reporting delinquent

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 2018-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX or a company acting like XXXX XXXX XXXX has recorded an Assignment of Deed as well as a Notice of Default and a Notice of Sale. on my property. 
I am not sure XXXX XXXX XXXX would this ; because I have a statement from them indicating that the do not own my property. 
Can you help extend the sale date so I can take proper action. 
Attached is the letter from XXXX XXXX XXXX My wife was the borrower ; she passed away on XX/XX/2016. 
I am the surviving widow filling out this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 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:
CRA violation no knowledge fraudulent account with XXXX XXXX XXXX, address, name, telephone and inquiries that I did not authorized appeared on my Transunion 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
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I purchased a vehicle with my husband in XX/XX/2012 from XXXX XXXX XXXX/XXXX XXXX. At the time it was purchased it spent 2 of the 3 months in their shop due to issues with it. When I finally had enough I was told to surrender the car and that I would not be responsible for the remainder of the debt. I begin driving to the location to surrender the vehicle and the transmission went out. I told them such. they sent a tow truck who I lead to the car and surrender it to them. I heard nothing else. XXXX XXXX XXXX has gone out of business and the owner has reopened under a new name. I heard nothing further regarding the vehicle per our agreement until this time when the owner changed his name and presumably sent a bunch of old debts to collection. Suddenly I have Knight adjustment Bureau sitting on my credit report for a car that was # 1 a lemon, and # 2 the contract was fulfilled on. I have reached out to them via their website, their phone number, the XXXX, and disputed with every credit bureau to this I have received no response. I would just like it removed from my credit report as it is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.

Company response to consumer: Closed with explanation