vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-14 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: Pono Ventures Inc.
State: HI

Complaint narrative:
I have disputed with AR Recovery Solutions regarding the inaccuracy of the entry they are reflecting on my credit report (See attached letters).  AR Recovery has yet to respond to my letters; however, my certified receipt tracking verifies that they were indeed in receipt of my disputes.  In XXXX  2019 and as recent as XXXX 2019, I have requested that they provide validation on the alleged debt entry that are blatantly reporting on my credit report and violating my consumer rights.  To date, AR Recovery has not provided an agreement that reflects their authority to collect on this alleged debt, they have not ever sent a dunning letter to me notifying me that they were attempting to collect a debt; further violating my consumer rights as I have the right to dispute the validity of any entry on my report.  They have not provided me with the alleged account number, the original delinquency date, agreement with signature of the alleged debtor, verification that this debt was assigned or sold to collector, nor have they provided the complete accounting of the alleged debt.  

Again, this is my second request to them after disputing this entry with the credit bureau.  AR Recovery is negligent in their reporting as well as in ensuring they follow consumer law.  To that end, since this company has had over 120 days to respond to my previous requests and have yet to so, this entry should be DELETED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Leased a vehicle from Acura of XXXX on XX/XX/XXXX, On or around XX/XX/XXXX, I decided to go to the dealership and inquire about purchasing the leased vehicle two months before lease contract was up. Residual value ( buy out price after lease was up ) on original term lease was at {$30000.00}. The payoff amount on XX/XX/XXXX was {$32000.00}. The deal was done and I was informed that the bank had agreed to the loan and I will now be financing said vehicle. Dealer listed new cash price of {$39000.00} ( including the tax ) on the new finance contract. I do not understand how this amount was generated as the loan for the buyout on the lease was {$32000.00}. That is a difference of around {$7000.00}. I did not agree to any other number and was well aware what the buy out price was. I did agree to an extended warranty and I know there were dealer, DMV fees involved so I didn't think much of it when I signed. After now reviewing this contract I see that none of those fees I just mentioned above are even incorporated into that {$39000.00} and were then tacked on to make the new loan amount to {$41000.00}. They are very pushy to get you to sign and did not even give me a copy of the contract on that day. I did not even get to see contract again until recently when I was able to look at me account online. I am now paying around {$70000.00} for a vehicle that was leased to me at a price of {$48000.00} back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
In XX/XX/2016, I had XXXX XXXX and the apartment complex still charged me for the termination fees. I never got notice of this debt through the mail from the original company or the collection agency. I did not know this was a debt until I saw it on my credit report. I do not owe this money because I should have been protected under the servicemembers ' relief act AND the collecting agency never attempted to contact me to verify the amount accuracy ( amount is wrong ) and never tried to collect. They just closed the account. I contacted the three bureaus and they sent me a letter stating the account was " valid '' but could not verify the amount ( again, which is wrong ). I don't even have a statement or a bill from this company. 
I need this removed because this is negatively affecting my job and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I got 1 payment behind in my mortgage so I was making additional amount each month to catch up. I had done this in XX/XX/XXXX & XX/XX/2019 with the final one to be done in XX/XX/XXXX. My monthly payment is XXXX and for those 3 months I was making a payment of XXXX which was the normal payment of XXXX and 1/3 of the missed payment. 
The XX/XX/XXXX payment was made twice. It was my error but I have not been able to fix the issue. I received a letter from Shellpoint stating that they would be refunding me the XXXX extra that was made in XX/XX/XXXX. It has never happened. They call me constantly asking for my payment and I keep explaining that they have my extra money sitting there. Finally at the end of XX/XX/XXXX I asked them to apply the XXXX to XXXX 's payment and the extra XXXX to XXXX 's payment since they were not making good on the letter stating the money would be refunded to me. They call me on a daily basis to ask for my payment. I received a call on XX/XX/19 stating that I still owed an additional XXXX. I asked if this would make me current through XX/XX/XXXX and they stated that it would as the extra money was from the original overpayment. I paid it over the phone and the amount has come out of my bank. I received a call again today asking me for my XX/XX/XXXX payment. When I tried to explain the situation yet again they can not see where any of this happened and I was put on hold for quite some time so the person could " talked with a manager. '' I am over the incompetence and stupidity and I want my account fixed. I have attached the original letter I received from them explaining that the money would be refunded.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I applied for a Kohls store credit card at the store on XX/XX/2019. There was a snafu in keying in annual income, so the store personnel had me repeat the application process, and told me the credit issuer would send me an email asking for annual income. We waited several minutes for the email, and it never came. I waited for either an inquiry from Kohls or the credit card itself thinking they may have obtained what they needed. They never came. 

I received two denial letters Sat, XX/XX/2019, and called their customer service # on XX/XX/XXXX and XX/XX/XXXX. I was connected both times to their voicemail, and told to leave my contact information, and to expect a return call. I made these calls during business hours, and havent received a return call. 

One denial letter states the reason Excessive Obligations in relation to income. 
The other denial letter states reasons 1 ) Available credit on open revolving accounts is too low ; 2 ) No usable real estate account ; 3 ) Time since oldest revolving account opened is too recent ; 4 ) No retail revolving accounts with a valid credit amount. 

Kohls letter states my credit score is XXXX. Kohls issues their credit cards through Capital One, N.A. 

I have four credit cards ; the ones I use most frequently are a Venture Capital One Mastercard, currently with a balance of under {$50.00}, and an XXXX Mastercard, issued through XXXX, currently with a XXXX balance. I use the Capital One card frequently, and pay the balance as soon as I receive my merchandise, and have NEVER carried a balance over to the next billing cycle, nor have I paid any interest on a balance. I use the XXXX XXXX XXXX occasionally, and have never carried a balance to the next billing cycle, and have never paid interest on a balance. Im not certain how old these two accounts are, but Im sure its at least 1-2 years or longer. Ive had the same checking account for 35 years and have never bounced a check. 

Our home and cars are paid for. My husband and I owe nothing to anyone. 

Kohls claims they made their decision on information received from XXXX. I requested my XXXX report today. 

I havent been able to resolve this since Kohls hasn't returned my calls. There is no option to wait on the line for the next available representative, as all other companies I deal with do. 

Im concerned this issue will affect my credit score, and concerned that Kohls is not responsive to my requests to resolve the denial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I made a purchase using my Citi Advantage Credit Card for which I notified Citi  on this day that this purchase was fraudulent.The circumstances are that after completing my application for my Motor Carrier Number I was contacted by XXXX XXXX XXXX  located at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Idaho, XXXX.  This company represented themselves as being a part of the United States Government Agency that I was using and that I had to pay them to complete the process. They misrepresented who they were and when I realized this I asked for my funds to be returned and they said they would.However they have not and there business is a scheme to dupe newly acquired recipients of Motor Carrier Numbers out of their money by fraud and Citi knowingly furthers there actions by not stopping payment when being made aware of there theft by deception.Also the service their selling has absolutely no value.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
State Collection Service , Inc . 
XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX Re : XXXX XXXX XXXX State Collection Service , Inc. letter of XX/XX/2019 Account XXXX On a letter dated XX/XX/2019, State Collection Service , Inc. state that they are charged with collecting {$140.00} on behalf of XXXX XXXX. I hereby dispute the validity of this claim. 

XXXX XXXX claims to have sent me some supplies for my XXXX XXXX. These supplies were not requested by me, and after following up with XXXX XXXX they realized that they had sent them to the wrong address. I have had a couple of conversations with XXXX about this charge, which I do not consider valid because I did not request the supplies, and because they were sent to an address unknown to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank Of America BILL PAY took both my XXXX and XXXX payment to XXXX out at the same time today XX/XX/2019. They will not take it off for me. They told me I needed to go into Bill Pay while they were on the phone with me and put the XXXX payment back in??? I ask if the second payment would be removed and they told me No and that I would be charged for the overdraft even though I put another deposit in today. 

On top of that the payment is always put in the bank my grandson a XXXX  and his NEW bank in Ga put it on XXXX Payment which I don't us and don't want to use. It was {$1000.00}. and put in 4 days ago where he usually just puts the payment into my bank account. I have to wait 14 days for the payment to be returned to him? 

XXXX was very cold and uncaring about this causing me so much trouble. They said they couldn't do anything about it since it was in processing. I ask if they could put this on my account ... that I didn't want two payments made and I was told NO ... she said it wouldn't show up in the place where they could handle it???

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 2019-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
WasapprovedfortrialmodificationwithmymortgageservicerShellpointMortgageservicing,firsttrialpaymentbeganXX/XX/2019amount{$850.00}.I'veattachedproofwhereIwasmakingtrialpayments.ShellpointMortgageforeclosureattorneyforeclosedonmyhomeXX/XX/2019whileI'mmakingmypayment.Someonecametomyhomeaskingmetoleavemyhome.I'mrequestingthepropertyforeclosuresaleberescindedanddeedtomyhomebereinstated.Shellpointhasbeendifficulttoworkwiththeydidnotapplymymortgagepaymentstotrialpayments,Ihaveattachedmybankstatementshowingfundswithdrawnfrommybankaccount.SpokewithShellpointcustomerservicewastoldtheydidn'treceivemypayments,thatiswhytheyforeclosed.AccordingtoXXXX,ShellpointMortgagethepropertyhascurrentlygonethroughforeclosureREODepartmentbutwasnotsoldtoathirdpartyitisbackwiththeinvestor.TheinvestorisXXXXXXXXXXXXXXXXXXXX,XXXX#XXXX.NeverreceivedcancelationletterformymodificationfromShellpointmortgage.AlsoneverreceivedapropertyforeclosureletterformXXXX,XXXX,XXXXXXXXXXXX.StateofTennesseestatesthehomeowneristoreceive30daynoticepriortopropertyforeclosureofwhichIdidn't..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
ON XX/XX/2019 I PURCHASED A XXXX XXXX FROM XXXX DEALERSHIP AND WAS FINANCED BY CHASE, THE DEALERSHIP FAILED TO PAY SALES TAX AND ADDED A GAP AND SERVICE COTRACT ON TOP OF THAT. CHASE LOAN NO.XXXX. SEE AD FROM THEM WE PAY SALES TAXES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-14 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:
THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX  ACCOUNT REPORTING UNDER EQUIFAX, OPENED IN THE YEAR OF 2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: OR

Complaint narrative:
For more than a week the Credit Protection Association calles me from XXXX and leaves a voicemail for someone I do not know. The recorded message directs the receiver to call XXXX if the receiver is not the the debtor in question. I called the second number and it plays 14 advertisments befor directing the caller to dial XXXX as the intended recipient has changed their number. This leads to a XXXX information service. 
This is an serious abuse of my time and I suspect someone is recieving payments for making me listen to all those ads. I feel that CPA is profiting from calling people they know full well are not debtors.

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 2019-08-14 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX This card is reporting the wrong information in my credit on the day of the last activity taught XX/XX/XXXX, XX/XX/XXXX and I asked them to explain this error, I was expecting a change but I received a letter indicating that nothing will change since EVERYTHING IS ACCURATE ( Day  of the last activity XX/XX/XXXX adn XX/XX/XXXX ) I attach the errors

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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Back on XX/XX/2019, I sent to the three major Credit Bureaus a request to stop collection activity in a Wells Fargo card svc account # XXXX, since this account was fraudulently opened, and Wells Fargo received the Police Report and FTC that the Credit bureaus sent them, but are still trying to collect and send me notices. 

I am demanding that Wells Fargo stop all collection activity and cease any collection or reporting efforts. Please help me to solve this issue since Ive been doing everything in my hands to fix this but Ive been ignored. 

Attached : - FTC Report - Police Report - Collection letter I got from WF

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 2019-08-14 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:
THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.

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 2019-08-14 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:
THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.

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 2019-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Management Systems Inc.
State: NM

Complaint narrative:
In XXXX I was XXXX years old when applying for student loans to pay for education while assisting me in room & board expenses. I was not educated on credit as my family struggled with crippling debt. So, unaware of the real-life consequences that missed payments can have on credit I struggled to make payments. Then financial hardships occurred in XXXX leaving me unable to make any payments whatsoever. I called the company to restructure payments with no assistance and finally, the payments when into collections on XX/XX/XXXX, of XXXX. The calls and emails were relentless and would go far past XXXX XXXX as well. 

I am currently extensive efforts to rebuild my credit such as getting secured credit cards to work towards a good credit score. I want to be responsible after taking debt relief and credit education courses to improve my financial literacy and situation as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 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: FL

Complaint narrative:
Hello on XX/XX/2018, there was a hard pull on my credit report from the XXXX dealership, and I've never applied, financed, or leased to get any car from that place.

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 2019-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
it was opened 2008 XXXX credit card Balance ... XXXX acc..XXXX from. Portfolio Recovery ... XXXX This was not me. someone stoled my information. I was told couple of years ago this was all charged off and was done, now here we go again, filed paperwork before for this to stop, about 2 years ago. And the won't leave me alone.. 

XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: KY

Complaint narrative:
I've had two fraudulent charges made without my consent and have not been reimbursed on my lost funds nor have had the problem of the fraudulent website solved. I've contacted my bank and they can't help or fix the issue. So my account has been closed until something is done about it. 

1. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00} 2. GOOGLE *Com, GOOGLE *Com2uS Corp , Mountain XX/XX/2019 Debit {$100.00}

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