vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I sent a {$1000.00} payment on a auto loan that was cashed and deposited by Honda Financial Services on XX/XX/XXXX. They did not credit me with the payment. I 've gotten a copy the cancelled check from my bank, XXXX XXXX. I faxed the copy to Honda Financial and they told me they could not read the back so unless I was able to get a better copy of the check back they would not help me. XXXX XXXX, my bank tells me Honda Financial kept the copy of my original check. 

Their bank stamped the back of the check. It should be their problem to read their banks stamp. If they wanted to run a scam they could not credit all of their customers accounts, have their bank do a poor job stamping the back of all checks and force all of their customers to keep paying without crediting. What a scam. 

I feel Honda Financial Services has stolen {$1000.00} from me and maybe others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX is collection on behalf of XXXX XXXX. I do not disagree that the debt is likely valid and I will settle via XXXX. 

This company is spoofing its outgoing phone numbers to appear to be different phone numbers in WI. EX : XXXX called me at XXXX on XX/XX/XXXX. The actual phone number for this company is XXXX. 

In addition, when called on XX/XX/XXXX by this company I answered this WI phone number. They asked me to verify my information, even though they had called me via a dialer. I asked if this was an attempt to collect a debt because via my FDCPA rights they are required to tell me this is an attempt to collect a debt regardless of who is on the phone. They refused to tell me what company was calling or why, including the supervisor I was transferred to despite my protections under FDCPA. 

In addition, when I finally called back and verified, they did not tell me that I could dispute the debt or that I could request the name and address of the original creditor, which is part of my protection under the law. They gave the disclaimer, said they were collecting from XXXX a $ 100ish amount. And asked how I would like to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, Online Information Services with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : Online Information Services-XXXX, Online Information Services-XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am enrolled in income based repayment with Navient on my federal student loans. They have a history of incorrectly processing the necessary paperwork, so this year I was very careful to ensure my renewal application was complete and filed with plenty of time for them to review ( over a month, possibly two months ). They failed to correctly process the paperwork. As a result, they booted me from the income based repayment program and in the process proceeded to incorrectly capitalize interest. They now assert that I owe more money than I actually owe, both as principal and as my monthly payment. I have called them at least 3 times about this, and remain without resolution. I know that the information that I submitted was sufficient, as it was identical to what was provided to other loan servicers who I submitted to for other student loans of mine.

Additionally, I was shocked to hear one of the Navient customer service agents ( " XXXX '' Navient ID # XXXX ) try to tell me that capitalization of interest is normal and correct as part of the income-based repayment process each year... that is false. Capitalization of accrued interest only occurs upon exit of the program. This man was either negligent or intentionally lying to me. I 've looked at a lot of information about Navient online and it appears that this is a pattern and practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: WI

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to TranUnion disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

On XX/XX/XXXX I reviewed my TransUnion credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to TransUnion again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

TransUnion received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that XXXX has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

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 2017-12-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hard Inquiries Pull on Account Back to Back- When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXXnstitution Information XXXX XXXX BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

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 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The collector is refusing payment on account # XXXX which has total balance of XXXX unless they secure a payment for another unrelated account that is past the statue of limitation.

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 2017-12-19 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: CA

Complaint narrative:
Disputes were sent out on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX - To date, nothing has been updated or completed. Over XXXX days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Card for XXXX This company sent me a card two years ago. I called and told them I have never applied for their card. They closed it right then. However, for the past two years every couple of months, I get a hit on my credit reports that Chase applied for credit in my name over and over. 

I call them and they tell me they will always deny credit due to the problem with the first issue of getting the card, and not to worry. 

However, nothing is being done to stop the credit runs every couple of months from this company. 

I have fraud alert on myself, but it is n't helping. XXXX  suggested I file a complaint. 

I am at my wits end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: CA

Complaint narrative:
Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about 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 2017-12-19 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: CA

Complaint narrative:
Disputes were sent out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - To date, nothing has been updated or completed. Over 90 days and still the same letter being sent as verified. I am a consumer and it is my right to dispute inaccurate information on my credit report or reports, which I have, and nothing has been done about 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 2017-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through XXXX. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

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 2017-12-19 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: AL

Complaint narrative:
XXXX XXXX got a copy of my credit report without permission. I contacted them to inform them they had done this on two separate occasions. They stated they would investigate yet when I got their response letter which I have attached all they did was provide me an unauthorized copy of credit report which they purchased through Experian. They have NEVER investigated this and each time I have contacted the credit bureaus they have failed to investigate this matter.

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 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: CT

Complaint narrative:
I have noticed an account in collections ( for the amount of {$1200.00} ) from the company Allied Collection Services in XXXX XXXX, Nevada that is negatively affecting my credit score. However, I did not receive any notification of the debt until I noticed it in my report. The collection agency is also not licensed to do business in the state I live in ( Connecticut ), and I would like to have it removed from all three credit reporting agencies. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: IL

Complaint narrative:
I called to speak with some one at Transunions yesterday. I informed them that I have been a victim of their inquiry  problem. I am not responsible for the inquiries that are showing on my report, and I would like them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On Tuesday, XX/XX/XXXX, I made an " instant purchase '' of XXXX Ethereum from Coinbase.com using settled funds from my USD wallet in the amount of {$5800.00}. Under the circumstances described, the Ethereum was supposed to be delivered instantly, and I was given a guaranteed delivery of XX/XX/XXXX when my funds were nearly instantly withdrawn and the purchase " completed. '' It has been a week, and I have yet to receive the currency I purchased. I have attempted to contact them at least a dozen times through their worthless online support system, as well as their alleged XXXX @ XXXX name, but I have not gotten a single response from a real person at all. I received approximately two automated response emails with links to help articles that did not answer my questions, and was asked to " reply if I still needed help, '' which of course I did but no one ever responds. It has been a week and I feel like they 've stolen nearly {$6000.00} of my money. Not only that, if I were to have received the currency when promised, I would have been able to turn a profit of nearly {$1500.00} because of the spike in value I anticipated and attempted to buy ahead of. But since it 's taking so long for them to deliver the " pending '' Ethereum ( that still says " Delivery by Tuesday, XX/XX/XXXX ), my fear now is that by the time they deliver it ( if they ever do ) it wo n't be worth what I paid for it because of their unexcused, unethical delay of currency delivery. I am beginning to think they just stole my money and the situation will never be rectified. No one there even acknowledges that I exist, I have n't gotten a single legitimate response and my problems just goes unanswered. I just want some answers and some rectification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: United Revenue Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation