vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
My wife and I recently purchased a new XXXX XXXX in XXXX. On XX/XX/XXXX ( our first payment to Honda Financial Services ), my wife attempted to set us up for automatic payment and make the first payment. The system acknowledged it received the payment. Later  that day, the payment was reversed with no notice to us. On XX/XX/XXXX, a late payment fee notice was sent. My wife, on XX/XX/XXXX, called HFS to find out what happened. AHF waived the late payment fee because of the system error and took payment for a second time. Later that day, the payment was reversed again, with no notice to us. We saw the payment had not been withdrawn, and my wife attempted another physical call with HFS on XX/XX/XXXX. The payment was made, later that day, reversed. On XXXX, I was notified of a 30 day late on my credit report. XXXX called HFS on XXXX made a payment of {$1400.00} ( missed payment and current payment ). It went through this time due  to one of the HFS associates recognizing what happened and corrected it. XX/XX/XXXX next payment is processed and approved. The account is current. There were substantial bank account funds to cover the payment at every attempt that did not process for XXXX. 

I called HFS to discuss removing the 30 days late from the credit report. They refused to release the derogatory information from the credit report. When I asked for the information they based that decision on, they would not provide anything. And further would not allow me to speak with a supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I requested an extension on my auto loan with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I requested the extension because I fell ill on XX/XX/XXXX and spent the next 8 weeks recuperating from what we now know was Covid -19. XXXX  XXXX XXXX XXXX gave me an extension for my XX/XX/XXXX and my XX/XX/XXXX payments. XXXX  XXXX XXXX XXXX then sent me a letter stating the following : " The extension will move 2 payment s of {$540.00}, skipping the XX/XX/XXXX and XX/XX/XXXX payments and moving them to the end of your account term. Your contract maturity date will move from XXXX XX/XX/XXXX. '' I have noticed sine then that those two extended payments are showing as delinquent. I have tried disputing this issue with XXXX XXXX and all three credit reporting bureaus to no avail. If there is any way you can help it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
Upon viewing my credit reports, Account Resolution Services is not only posting an account in the amount of {$590.00}, but they are posting it TWICE, making it look like there are two separate bills for the same amount. 

I demand to see an agreement with ARS 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. I want to see an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Moreover, Account Resolution Services did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not  be deleted within the required time allowed by law. 

I urge ARS to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I submitted my application with the lender and was working with XXXX XXXX XXXX NMLS XXXX ( Authorized to represent loanDepot.com, LLC ( XXXX ) ). My financials, income, credit, etc. are top tier and would not have any issue getting approved. Concurrently, I was working with another lender and provided a XXXX with a Locked LE for him to review and " beat '' on XX/XX/2020 XXXX XXXX. Up until XX/XX/2020, we had emails and phone calls back and forth with XXXX claiming that he was going to beat the rate. Now, out of the blue and without any follow up or response form the Licensed MLO, my loan application was Denied due to Incomplete Application. This is a 100 % lie and inaccurate as the license MLO never asked for any additional documents or any information prior to the Loan Denial. I do not appreciate the lenders lack of a response and then denying my application and using the incorrect HMDA adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: FL

Complaint narrative:
I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information reported on my credit. This has been an ongoing issue and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!

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 2020-09-25 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:
I need a copy of my credit report. I have been trying to get it after I was denied credit based on the information reported on my credit. This has been an ongoing issue and still no luck. I have sent all the supporting documents as per their request but no reply from the company. Please Help!

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 2020-09-25 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: CA

Complaint narrative:
XXXX  and TransUnion are reporting balance and or high balance on accounts that are closed which is violation of credit reporting also all closed accounts do not state if original creditor or sold all closed accounts are reporting incorrect information as these accounts are sold to third parties so XXXX  and TransUnion are using incorrect information on re-aged accounts

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 2020-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Credit Services, Inc.
State: GA

Complaint narrative:
Hello, I had a 12 month repayment plan with NCS for my XXXX  loans / my checks was being garnished and then I was suppose to make 10 additional monthly payments for student loan forgiveness / now they  sold my student loan to another Company called XXXX. They continue to call me and my grandparents about repayment. And Im wonder why is that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Suntrust Bank XXXX XXXX XXXX XXXX, Tn XXXX phone number : XXXX ( XXXX XXXX ) phone number : Ms. XXXX XXXX ( branch manager ) RSSD # XXXX FDIC-Cert # XXXX On XX/XX/XXXX I opened 7 accounts totaling XXXX with SunTrust Now Truist. Mrs XXXX the bank manager approved for Ms. XXXX XXXX to open the accounts pending that I make arrangements to pay the bank the XXXX owed to the bank. Ms. XXXX and I both spoke with Ms. XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I called the bank and was informed that I needed to call the bank head quarters XXXX. They informed me my account was flagged and frozen. I was given very confusing information as to why. I was told I would have to wait 15 days for an review of the account and 10-12 days if any money would be mailed to me. On XX/XX/XXXX I filed a complaint with the bank and the XXXX  .On XX/XX/XXXX I called the 800 number listed above and XXXX from consumer care department finally helped and spoke to the back office because I explained that the check deposited was from the XXXX XXXX and accident insurance company ; that i had lost my husband XX/XX/XXXX and our family needed our money back quickly and waiting months was going to be unacceptable. On Friday XX/XX/XXXX I was told by Ms. XXXX that they would be opening back up my accounts. XXXX XXXX from Suntrust now Truist left a voice message on XX/XX/XXXX stating Ms XXXX would call me in 15 or less days concerning my complaint with the XXXX XXXX XXXX. Now on XX/XX/XXXX I was told by Ms. XXXX that they had closed the accounts and on XX/XX/XXXX that they mailed me out 7 checks for each account open. Today XX/XX/XXXX I received false information that " This notice is generated when we receive your request to close your account, or when your account has had a XXXX  balance for 35 consecutive 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 non-monetary relief
Consumer complaint received 2020-09-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The is a public record showing on my Equifax and XXXX  credit profile detailing past Bankruptcy- XXXX for XXXX and XXXX. They were both dismissed, nonetheless they show up on my credit report. 

This is unsolicited data and it shouldn't be data-mined and sold to reporting agencies and subsequently end up on my credit report. In the past I have asked these Credit Bureaus to remove these items from my report. I have spoken to the clerk of the court in which I have filed and they ensured me that they don't report this information to credit bureaus and the only way that it could be obtained was through data mining.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Ogden Holdings, LLC
State: NC

Complaint narrative:
XX/XX/2020 ( Approximately ) I spoke with a representative at Cape Fear Finance XXXX XXXX XXXX, XXXX, NC XXXX in person to apply for a {$300.00} loan. I was not provided information regarding the terms of the loan. I went back in person the following day after providing my social security number for a credit check ( I have a social security security freeze with the bureaus ) I was approved for the loan through a credit check however, was told I was denied because I needed to provide serial numbers to prove ownership of a lawn mower, television, ect. to qualify. I was declined because I own none of the items they were requesting. My complaint is because the representative neglected to provide disclosure information regarding the application requirements of ownership of a lawn mower, television, ect. before processing a credit report on my behalf.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
In late XXXX i received written notice from XXXX XXXX  that XXXX would be the final month of them holding my loan as it was being sold to Shellpoint Mortgage. I received my XXXX mortgage coupon from XXXX in the mail and returned it. 

On XX/XX/XXXX I noticed that my mortgage check had not yet been cashed but thought nothing of it. On XX/XX/XXXX Shellpoint collections called asking for their payment. I provided the above information but the customer service rep was ineffective and unable to address the issue. Additionally, prior to the collections call, I had received zero written or digital communication from Shellpoint. In simplistic terms, their initial interaction was to punch me and threaten my credit. Nice to meet you too <skeptical side eye> I have also reached out to XXXX for clarity on this issue. 

Regarding the submission of a loan number and account number so that in forwarding this complaint to Shellpoint they can address my situation .... I have nothing. See comment about having received zero communication from Shellpoint, I have no idea what my account number is, or a loan number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
They called my wife from a new number, she answered, let them know we get bonuses at the end of the year and can pay then. He ( XXXX XXXX stated that it's being marked as a refusal to pay and that we could fill out a hardship form to avoid this. She stated she'll call them later in the year when we can pay and hung up. 

Following this conversation, her cell was then called 4 times, my cell 3 times including once where I confirmed it was Genesis and asked they stop calling, text both cell phones, then called my work line - this all occurred starting with the first conversation at XXXX and ending with my " conversation '' with XXXX on my work line at XXXX. I was certainly frustrated with their tactics by this point and told him, roughly, in no uncertain terms, that he could do what he needs to do, but don't call again today, we can pay at the end of the year. 

The calls finally stopped after this last conversation. I was left so stressed by the event that I felt the need to take action, potentially even with a lawyer in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XX/XX/2020 I sent a validity of debt letter to : Credence Resource Management , LLC XXXX XXXX XXXX # XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX XXXX Reference ID : XXXX Amount : {$260.00} That amount does not belong to me. They put a mark on my credit report without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex is insisting that i pay an amount to a hotel where i had my daughters ' wedding, in XXXX XXXX, though i have not authorized it. The hotel charged my Amex card without my consent and i informed them that i have not authorized it and it amounts to fraud and i will dispute it. Thereafter the hotel has not even responded to my email. 

I took up the matter with Amex and have sent in written complaints and have also spoken to a dozen reps and they are unable to resolve the issue. They disputed the amount and then later put it back on saying that they feel the charge is legitimate. The question here is how can Amex determine if the charge is legitimate or not? How can they appoint themselves a judge and determine that an amount is owed by me? Their job is simply to pay if i have authorized a charge and not pay if i have not authorized it. 

I have used various cards to pay the hotel all their charges and they do not have access to any card number of mine. They only had my Amex number with them as i gave them the card number to charge a deposit amount of {$3000.00} in order to book the hotel. After this they would send me links to pay and i paid off the entire contracted amount using those links and therefore they had no access to my card details. 

The basic question here is not whether i owe money or how much. The question is why should Amex pay any amount on my behalf without my authorization or signature? If the hotel has a charge for me then they have to take up the matter with me and can not go behind my back and charge whatever they want. If there is a dispute then it is between the hotel and me and it is not the job of Amex to try and resolve it. 

Please let me know what i should do as Amex keeps contacting me asking me to make the payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I was trying refinance my home to lower my interest rate with Rocket mortgage/Quicken Loans.. I sent them everything they asked for. Then they asked for more paperwork which I sent if I had it. If there was something they asked for that I did not have I contacted them and explained why to which they said OK. Then they would ask for more information, again and again. The home is valued at over {>= $1,000,000}. The loan would be for about {$150000.00}. First they tried to force me into a VA loan for 15 years when I wanted a 10 year fixed interest loan. I supplied documentation stating I have ample funds with my additional accounts. I am XXXX XXXX XXXX and do not understand why I am not qualified for a loan. The last thing they asked for was the payment record for the lase 12 months on a second house I own in Arizona. I explained that I could not supply that as the house is free and clear.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 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: VA

Complaint narrative:
I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX   to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.

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 2020-09-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have attempted to remove a Synchrony account from my credit report multiple times. I am a co-signer on the account, and the primary account holder filed for bankruptcy. Synchrony is still holding me responsible for the debt, has notified the credit bureaus of 30 days and 60 days late on payment, and as of XX/XX/2020 charged the account off with a past due amount. 

XX/XX/2020 I received a letter from Senior Specialist from Synchrony Bank 's Corporate Consumer Relations with a number to contact the individual ... I have left several voicemails with the individual, in regards to the account, with none of them being returned. In the letter I was told that " the bankruptcy only removed my ex-wife 's financial obligation toward the debt ; therefore, only her credit bureau report reflects the debt as discharged due to bankruptcy. '' The letter also says they are " unable to delete or modify the status as reported ''. 

XXXX XXXX I attempted to settle the account balance with their collections department, but was told I could not and had to be transferred to the bankruptcy department. The bankruptcy department then transferred me back to the collections department. This occurred two more times before I was told neither department would be able to help me. 

I am also unable to remove the address my ex-wife resided at from my credit bureau files due to this Synchrony account. 

I have over 20 years of exceptional payment history with 15 other credit accounts, 2 auto loan accounts, 2 mortgage accounts, and 9 student loan accounts ; yet I have been unable to refinance my house due to this 1 account, and it continues to negatively affect my credit score and history.

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