vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Turned in leased vehicle to XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX. Upon returning home, cancelled vehicle registration and destroyed plates. After cancelling registration, advised XXXX and Honda Financial of cancelled registration. Both looked up XXXX XXXX to confirm. Received multiple correspondence from Honda advising of Final Statement of Debt, proof of Registration Cancellation. Upon receipt of Final Statement, payment was made. Also, when proof was submitted, a pro-rated bill for Property Tax for XX/XX/XXXX would be sent. Received Property Tax bill for whole year ( {$110.00} ), instead of a pro-rated bill. Sent letter with check for {$9.00} ( one-twelfth pf {$110.00} ) with " PAID IN FULL '' written on memo line. Received various calls from Honda 's collection department threatening if total payment was not received, they would ruin our credit. Both joint parties had reductions of credit scores from 800 's to low 600 's over XXXX and XXXX of XXXX. Please keep in mind that Honda filed for an abatement with the city of XXXX, MA. This means that they will not receive a financial loss, but the joint parties will and have received poor credit scores as a result of Honda statements to the big three credit companies. Letter was sent to you, but an incorrect address was on line. See attachments of letters and exhibits sent to XXXX, XXXX, XXXX, Honda, and yourselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021, I wired from, XXXX XXXX to Chase Bank, both are my accounts an amount of {$16000.00}. The wire was returned for no reason, so on XX/XX/XXXX, I resent the wire between accounts and the amount was once again declined for no reason. I have made several phone calls between Chase and XXXX XXXX, who continue to say " Oh its coming ... '' First I was told the XXXX of XXXX, did not happen. Then told XXXX of XXXX did not happen. It is now XX/XX/XXXX and Chase has still not returned the wire sent from XXXX XXXX. 
Chase has failed to inform me of the status of the wire and does not give direct answers to my questions. I have been blatantly lied to by Chase representatives through this process about the availability of the founds and when they would post. 

It has now been over a week and my money is still in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Estimated date : XX/XX/2020 As XXXX war veteran I don't ask that anyone treat me better or different, but the same, with dignity and respect. When I contacted PenFed Credit Union to open an account, I was not treated equally or given the same chance to participate in the products.

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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: MI

Complaint narrative:
According to the fair debt collection practice act the collector is required to send notice of written debt validation within 5 days of the first contact. Choice recovery failed to comply they also failed to validate my debt after I sent them a debt validation letter. I spoke with a supervisor XXXX XXXX a XXXX XX/XX/XXXX who I informed that I replied within 30 days to the invoice sent with a debt validation request and I have received no information so why are you reporting to my credit. XXXX stated they have 45 days I then stated ok I mailed the debt validation within the time frame, he stated he did not know the date on the letter that I sent but they did receive it. I asked to talk to someone who could view the date he would not transfer me. This company does not follow rules or laws there XXXX communication to me was XX/XX/XXXX and it was a bill/invoice they NEVER followed up within XXXX business days and sent a debt validation letter. I am still waiting for the validation after my request/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
My student loan was converted to FFEL with Aspire Serving, and several years ago I inquired about PSLF and was told the loan was not eligible because it was taken out in the XXXX ; I was not told that I could consolidate to make the loan eligible. I also called sometime within the last two years about refinancing to a lower rate and was told we dont refinance our federal loans. I have been paying this loan for 20 years. I originally borrowed {$20000.00} and my balance is now {$40000.00}. I have worked for 20  years in public service, and if I had ever been given correct information when I asked, or better yet, had my servicer proactively provided information, my loan would have already been forgiven. I only learned this was an option today because I saw a news article on the CFPB report that was published.

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 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a notice from US Bank that a credit card was opened in my name on XX/XX/2021. They reported that it may have been a fraudulent account. I contacted them and they informed me that the account was closed on XX/XX/2021. An address in XXXX, PA was listed as " my '' address on the application, and this is not my correct address. I did not try to open this account. US Bank confirmed that the account was closed, and I contacted the credit bureaus to put a fraud alert on my 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 explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NY

Complaint narrative:
i cancelled my membership with XXXX XXXX in XX/XX/2020. The keep on renewing it without my consent. 

XXXX does not want to cancel my membership unless i come into the the location. I am located over 100 miles away due to moving away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: NY

Complaint narrative:
Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.

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 2021-07-01 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: NY

Complaint narrative:
Blessings to you. I am a victim of identity theft and this my 3rd time contacting you guys about fraudulent accounts being on my report that are not mine. This has been a struggle for me and my family because we are in the process of buying a home. My life has been turned upside down because of these accounts. This is an injustice for me as a consumer with your company. I need to be protected and safe. Instead I feel like you guys aren't taking care of the wrongs that these criminals have dealt me. I filed an FTC report in the beginning of the year and none of the accounts were removed that should have been. According to the FCRA 605B ( 15 USC1681 c-2 ) These accounts have to be removed within 4 days of receipt or it is a violation that can be brought to a jury for compensation. My information was stolen in a Data breach a coupe years back so that's how these criminals got my information in the first place. So the companies will try to validate them but they can't because my id was stolen. I now will need these accounts to be removed because the law is being violated. I am attaching proof of my identity, identity theft affidavit, FTC report, notarized letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX  ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was called by a robophone saying there were my discover card, then transfer to a human and I qualify for Lower interest rate, they gave me information about 3 of my credit card number, so I proceeded to go with the loan deal they offer me, I then gave them my information, they seem to have quite a bit of numbers, ect, like my first 6 numbers my ssi number and also my address, they said that my cost was going to be XXXX, which was less than I pat in interest fees, so they ran my credit, which showed up on my credit report from my bank.they tried to run my discover card for the XXXX but I keep all my credit cards frozen until I need to use them.i then realize after i XXXX fraud that this might be a scam. i then reach out to them and they said my application for a debt consolidation was denied, but they were going to try another company. I then told them I was no longer interested, they told me it was to late and they were going to keep trying to get a loan for me, here is some of the names and numbers they gave me, customers card services XXXX XXXX, employee # XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
Results of my dispute were mailed to me via USPS indicating that my dispute had resulted in 7 items being deleted from my credit report, as indicated in attached file. 

Items are still appearing on my credit report 4 months later and Equifax phone operators place me in a permanent phone loop, leaving me on hold for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am XXXX XXXX XXXX  XXXX. Ordered off line over phone a XXXX XXXX XXXX XXXX XXXX internet ad in XXXX XXXX Library read " Shooter Grade ''. Called XXXX and gave serial number. Was advised not to shoot XXXX XXXX XXXX recalled this XXXX, since had defective firing pin that could break and " slam fire '' and cause bodily injury. Logged out XXXX to local gunsmith for implied warrantee of merchantability or fitness. Filed dispute with Capital One pending. Spoke to store manager, wrote emails. XXXX. On XX/XX/XXXX received via certified mail a NOTICE OF BAN from different store manager of investigations and analytics to cease and desist from any form of communications with that retailer. Wrote to lawyer if my civil rights, ADA violated. ( 42-USC 1983 ). Called Capital One Mastercard today and agreed that card can be used on third party trandactions undet Regulation Z. Pay, charge ok Cap. One! Am XXXX and have registered XXXX XXXX XXXX. Please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Nelnet, Inc.
State: CA

Complaint narrative:
I have several student loans open with Dept. of Ed/Nelnet. I am currently in XXXX still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I have a new loan with MACU, for a class C camper, but I am having issues getting the title from them. 

XXXX XX/XX/XXXX, I co-signed on a loan for my son-in-law, for this camper ... no issues here. 

XXXX XX/XX/XXXX, my daughter and son-in-law broke up, so I bought the camper from him ... financing the loan, again, through MACU. 

-As of today, XX/XX/XXXX, I still haven't received the title, in order to register with my home state of Missouri XXXX At this point, I'm on my 2nd payment on the loan, but I can't get tags and I'm facing late penalties from the state for being late. 

XXXXMountain America CU has stated to me that the only thing holding up the title, is that the seller needs to sign/notorize another form ... which they stated that they initially had in their system, but lost at some point. Email attached showing that they had it in their system. 

-Mountain America CU has already sent the seller his proceeds of $ XXXX, so he has no initiative to help in any way. 

I realize that they need certain documentation, but this was an error on their part ( losing the seller 's signed form ) and I am the one stuck with no resolution and facing penalties. 

Communication has been terrible, through the whole process, but a few of the people I've dealt with have been very nice ( XXXX XXXX and XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
My Loan servicing was transferred from XXXX XXXX to Planet Home Lending LLC on XXXX per the transfer letter from XXXX XXXX dated XXXX Per the XXXX letter, the law requires PHL, the new server to send out a letter of transfer no later than 15 days from the transfer date. 

To this date I have not received the required letter of transfer from PHL On XXXX I spoke with XXXX of PHL, he said letter had not been issued yet. 

I asked XXXX if PHL had my loss mitigation application from XXXX XXXX. He said no. 

I informed him that XXXX XXXX issued a letter dated XXXX, confirming my loss mitigation application was received on XXXX and they determined it was complete. 

PHL ask that I fax the XXXX letter confirming the loss medication completion and address it to XXXX and they would get back to me, once they located my completed file. Letter was faxed on XX/XX/XXXX On XXXX I signed a PHL, XXXX authorization letter for XXXX XXXX XXXX. 

As of XX/XX/XXXXXXXX PHL has not replied to any of the above ; to me or XXXX XXXX XXXX. 

On XXXX I received a statement from PHL demanding payment in the amount of {$230000.00} Nowhere on their statement did it reflect that I was discharge of this debt in my XXXX Bankruptcy, furthermore their letter is threatening to report derogatory information to the credit reporting agencies. 

Should PHL continue this form harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court. 

On XXXX I fax PHL  and asked that they confirm by Bankruptcy Discharge. 

I require thaXXXX PHL address ever one of my points in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: CREDIT BUREAU OF FARMINGTON, INC
State: NM

Complaint narrative:
I previously submitted a CFPB complaint regarding CBF Services. They said they could not give a response for not having specific information. I will go ahead and attach the letter I have sent multiple times with all the information needed. Provide with results this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: CA

Complaint narrative:
I have tried them to stop calling me and have told them I did not open an account with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My communication is in regards to the Macys account furnished on my consumer report that I want deleted. Now, according to 15 USC 1681a ( 2 ) ( B ) it says a consumer report does NOT include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is, the term credit card mean any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the card I used to grant the right to this debtor making it a creditor, to then extend credit back to me. This is a violation of the FCRA and a consumer right to privacy. Congress clearly states what should be excluded from a consumer report therefore delete this account immediately.

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