vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I am currently in my 3rd lease from Acura since XXXX. Since turning in my previous XXXX XXXX, this will mark the most terrible experience I have ever had with Acura/Honda vehicle purchase or leases. ( owned 3 XXXX XXXX XXXX as well ) Where do I start with this mess? 

American Honda Financial reported my credit report 30 days late, trying to collect an incorrect balance, that I believed to be taken care of during early-lease turn-in at their dealership. At first they reported a {$5000.00} payment owed and due XX/XX/XXXX, and marked my credit 30 days late ( I have never been 30 days late on any of my Acura leases ) immediately without hesitation! American Honda Financial did not apply a payment of {$2200.00}, received on XX/XX/XXXX, when I turned in the XXXX leased vehicle. The American Honda Financial REP ADMITTED fault while CORRECTING the balance to reflect the missing payment, but refused to admit fault or remove the negative remark from credit file. It seems America Honda would rather penalize my credit illegally for some ODD reason. I will never buy another Acura/Honda again if this is what " loyalty '' gets you. This has resulted in numerous calls back and forth to the Acura  dealership and America Honda Financial, while NOTHING is being done. Instead I get a simple generic response via online correspondence, instead of a phone call that I've request multiple time to discuss this IMPORTANT matter. WHERE ARE THE CORPORATE OFFICIALS? N-E-V-E-R A-G-A-I-N.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A friend of my spouse advised him of a investment opportunity to become XXXX/XXXX  of your own XXXX  and XXXX. At the time, we were looking for an investment opportunity to replace my previous income. We met on 2-3 occasions with XXXX XXXX, XXXX XXXX XXXX, my husband- XXXX XXXX XXXX and myself. We discussed XXXX XXXX XXXX XXXX in detail, its success and that he had many other investors that were profiting and doing well by partnering with his business. I reviewed reports, emailed data, and foreseeable numbers regarding earning potential that was provided by XXXX XXXX XXXX. In addition, XXXX XXXX XXXX advised that my husband 's friend XXXX XXXX would be working in his operation, in particular to XXXX XXXX for our XXXX  and XXXX, which gave me an additional peace of mind. We invested {$90000.00} total in the form of check/cashiers check. One check # XXXX on XX/XX/XXXX for {$30000.00} from our XXXX  XXXX XXXX account and a cashiers check issued on XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX, account # XXXX and check # XXXX in the amount of $ XXXX.Both checks were cashed through Wells Fargo and the the cashier 's check for {$60000.00} was cashed, but not signed or endorsed, only deposited into the XXXX & XXXX XXXX bank account.The name of the business involved is XXXX & XXXX XXXX and the owner is XXXX XXXX XXXX XXXX The address provided is XXXX XXXX  XXXX XXXX, XXXX, TX XXXX. We have notified this party of the issues and he has been contacted by the XXXX Police Department. We have requested all funds back in writing on multiple occasions throughout the past 4-5 months. At this time, we have only retrieved back the following : Bank Wire on XX/XX/XXXX : {$210000.00} Bank Wire on XX/XX/XXXX : {$2800.00} Bank Wire on XX/XX/XXXX : {$2800.00} All of the funds listed above were returned through a bank wire from a Wells Fargo account. I have notified XXXX  XXXX XXXX, Wells Fargo and the XXXX XXXX XXXX XXXX XXXX. Wells Fargo is the only bank that has yet to fully respond. In addition, I am cooperating with the XXXX Police Det. XXXX XXXX # XXXX, XXXX and his fax number is XXXX. In addition, I reported this incident and fraud to the FDIC as of today, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
Transworld Systems Inc. Failed to provide information proving this debt was mine which is not. this debt is incorrectly there and should be removed immediately or I will take legal action if not removed from XXXX. 
All contact should be taken up to my attorney XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It comes to my attention that there is multiple credit inquiries that I did Not recognize nor authorized consenting to. Please verify these credit inquires from XXXX  XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX as well from XXXX XXXX. These are Unauthorized inquiries, please verify and provide proof of authorization of original signature of its owner within 5 business days in compliance with FCRA.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 I purchased a purse from someone on XXXX. It was in the amount of {$180.00}. I received a confirmation and a tracking number. I received the box attached to the tracking number, however the item was not included. I was out of town when the box was delivered but my mom was home and brought the package inside. 4 days later when I got home I opened the box. ( I was out of town for a funeral ) The box only had magazines in it. I reached out to XXXX and they said they have a 3 day dispute policy and I needed to reach out to my bank. I did and I spoke to a claims agent and gave him all the info he asked for. I asked him if I needed to " return '' the box even though it didn't have the product, the agent said no. I received a response letter from my bank, XXXX had provided the tracking sheets showing it was delivered however I never argued a box was delivered. My argument was that the item was not in there and I got scammed. They asked my to appeal their response with a letter explaining the situation. I did. They responded again and said that " I needed to return the box even if it didn't have the item inside. '' I asked this specific question previously and was told no. So again, I reached out to my bank and they told me that the " temporary credit '' I received while they investigated will be pulled back out of my acct by the end of XX/XX/2020. When I explained the situation, yet again, I was told that " It has now went past the amount of time that my bank could help me '' and I needed to reach out to you to get this resolved. 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 2020-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When moving out of an apartment, my wife and I sold some furniture items via XXXX, XXXX, and similar services. One individual contacted my wife about purchasing a rug. The rug was listed for {$75.00}. The buyer indicated that he would pay {$70.00} to hold the rug. We agreed to sell the rug to the buyer. The buyer sent my wife a check, but the buyer 's husband then called to say that his wife had mistakenly written the check for the {$1000.00} because it included XXXX intended for movers coming to pick up the rug. The buyer asked my wife to remit the {$930.00} to the moving company. 

On XX/XX/2020, my wife called Chase, explained the situation, and asked a Chase representative for confirmation about when it would be safe to proceed to make the payment the buyer was requesting. Chase told my wife that all she needed to do was wait for the amount of the deposited check to post to our checking account. Chase did not mention that the check would still be subject to review for fraud or insufficient funds for several days after the amount had posted as " cleared. '' Chase also did not instruct my wife to consult any other sources about the timing for checks to " finally '' clear. 

On XX/XX/2020, my wife did an online deposit of the buyer 's {$1000.00} check. On XX/XX/2020, the funds posted to our checking account as a cleared check. In reliance on Chase 's advice, my wife proceeded to pay the moving company {$930.00} using Chase 's XXXX XXXX XXXX XXXX service on XX/XX/2020. The buyer was supposed pick up the rug on XX/XX/2020, when the buyer did not, my wife refunded the buyer on XX/XX/2020 for the {$75.00} portion for the cost of the rug. On XX/XX/2020 -- XXXX days after the {$1000.00} check had posted to our account -- my wife and I were informed that the buyer 's check had been returned as fraudulent. As a result, my wife had been defrauded out of {$1000.00}. 

My wife and I promptly called Chase on the morning of XX/XX/2020 to discuss the situation. We explained that our issue was that Chase had made a representation to my wife about when she could safely proceed to use the funds from the buyer 's check, but had made no reference to the fact that the check was still subject to review after the funds had posted as cleared. After four hours of bouncing around Chase 's various customer service departments, Chase informed us that there was nothing they could do to recover the lost funds and that they would not accept any liability based on the incomplete information from my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it takes time but I submitted the letters on the XXXX  of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
L

ogged into account to find out it was closed with no notice. Called customer service and they can not explain why I wasnt notified. Said it was in activity for 2 years but I. The account is a summary from 2019 with transactions on it. Rep put in to see if it can be reopened ( not holding my breathe ) and that Id receive a letter, we shall see. Also stated she would put a complaint in.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent several notices to ALL 3 Reporting Agencies as of XX/XX/XXXX and have YET to hear from ANY OF THEM. I sent other notices after and still NOTHING. This informatios is INCORRECT and hindering me from obtaining a HOME PURCHASE. It has been well over 30 and 60 days now.

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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I rented an apartment from a company called XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the year was up I decided to move on and was in communication with management on the issues I was having and complaints I had made which was due to my vehicles being broken into and other complaint on which I can provide videos, photos and other evidence to prove my complaints and issues. This was supposed to be a gated community and gates only work 2 months while I was there. They also had a maintenance person that was arrested for theft and breaking into vehicle that lived on site. So I really had no choice but to move. In my process of moving they were having management and staff changes and I had made several attempts to turn my keys in. During the month of XXXX. I also made several calls that I have records of to one of the new managers that was going to receive my keys which was not in on these days that we agreed on. I was never late on my rent. and they kept my security deposit for no reason. Which the manager couldn't keep her appointments or meet with me at times that she agreed. It has almost been a year now sense I moved out and now they state that I owe them {$1200.00} Which I have no clue or idea where that's coming from. Someone has obviously made some kind of mistake.This company infact owes me my security deposit of {$1200.00} Which I would like to retrieve. Since the Covid-19 and me living over an hour away Its been very difficult for to try and take to court. XX/XX/XXXX. Hunter Warfield put a collection on my credit report. Which I would like proof and records showing that I owe this  amount. I purchased a home in XX/XX/XXXX. The same month on my lease ended. Which they were aware of as well. I had moved out that same month which I have proof of. So that couldn't be possible. This was all based on XXXX XXXX XXXX negligence and failing to meet me to turn in the key because no one was ever in the office. I would like this collection remove from my credit report immediately because its inaccurate information and I do not owe anything to this company. Infact, they owe me a security deposit which I can provide proof of. What ever information Hunter Warfield has is incorrect and I would like a copy all records and my leasing agreement my departure time  and all other pertinent information as well. So I can turn it over to my attorney.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 2020-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
i have XXXX XXXX card it was past due. the total limit of the card is {$700.00}. 
i have paid since XX/XX/2020. {$660.00} the balance still i have {$540.00} the total amount of late fees charged : {$380.00} total interest charged : {$160.00} Total interest paid : {$170.00} i can not use my card. it is closed but still charging the interest. for {$700.00} limit i have paid {$660.00}.

in this hard time it is unjust to take so much money from me. i tried to contact the company but no help. two times they hang up on me. please help me to close this account and stop the company charging too much money

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it  takes time but I submitted the letters on the second of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is to notify you that I have tried to submit letters to the three credit bureaus so they can look into an account which is not reporting correctly as it is not mine. None of the credit bureaus has responded to me. I know it  takes time but I submitted the letters on the second of XXXX and we are now on XX/XX/XXXX. I just feel like it's been long enough even including the time it takes for mail to arrive to Georgia, Texas, and Pennsylvania and then sent back to California. I don't know if there is a problem but I am very concerned as I submitted my social security card and a bank statement with the letters and now I am concerned somebody may have stolen the mail. If the credit bureaus did receive my disputes then can they please tell me already and send me something back. I would hate to think of what else could be happening with my personal information.

Company response to consumer: Closed with explanation