vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance Company put a lien on my car title on a car that I paid for with cash. I have never had a loan with AHFC, but they refuse to remove the lien. An AHFC rep told me I could have the tile cleared through XXXX. I paid {$48.00} to XXXX and received and notarized letter from AFHC clearing the lien, but my title still has a lien from AFHC, and they refuse to clear it. ( For some reason, there is not paper title, just an electronic one. ) I can not sell the vehicle because I can not get my title. AFHC refuses to explain why or how there is a lien on my vehicle. I have asked many times. 

AFHC refuses to work with the Honda dealership for where I purchased the vehicle to remove the lien. AFHC asked my for sales paperwork on a car that I bought nine years ago in anticipation the I would not still have it. I do have it, and I faxed it to them. The paperwork reflects a cash payment in full for the vehicle, but they still refuse to release the lien. 

AFHC likes to play this game where they put you on hold, I guess with the hopes that you will just hang up. Yesterday, my phone show that I was on a call with AFHC for 55 minutes. About 50 minutes of this time was me on hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sent a check to the Illinois Secretary of State for a driver 's license renewal. The department said they never received the check. The check was deposited into a random unauthorized bank account on XX/XX/XXXX for {$30.00}. I tried calling my bank, Chase, and they would not refund me my money without the Illinois Secretary of State filling out an affidavit stating they never received the check. 

I called the Illinois Secretary of State and they don't know who is able to do this affidavit for me. I have no way of recovering my {$30.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hi my name is XXXX XXXX In reference to Wells Fargo loan # XXXX I have been overcharged an additional {$35.00} fee as interest on this loan now the maturity date is the XX/XX/XXXX of every month the statement is received 12 to 13 days later from the postal service please review this loan my contact info is XXXX thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Payday loan 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: Pendleton Capital Management
State: NJ

Complaint narrative:
This company is calling all numbers threatening legal because of payday loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Action Financial Services, LLC
State: TX

Complaint narrative:
The debt collection company ( Action Financial Services ) is masking/spoofing their phone number on caller ID to match my employer 's phone number, complete with area code. Calls are made repetitively through the day. The starred items in the attached jpeg illustrate calls made by Action Financial Services masked as my office number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: BB&T CORPORATION
State: PA

Complaint narrative:
My Loan has been paid in full to Regional Acceptance Corp.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I currently have an open credit card with Kohls. This account has been opened since the year of XX/XX/XXXX. I have never opened a kohls credit card. I called the kohls credit department and gave all my information based on whats on my credit information and they cant find anything listed under my name and cant find anything listed with my social security number. I filled a dispute and nothing has been taken care of. This is very concerning and I want this matter to be taken care of immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/2019 I made a payment of {$890.00} to PHH Mortgage Company via XXXX XXXX. I noticed on XX/XX/XXXX that the payment still was not applied to my mortgage account. I contacted the PHH Mortgage and they informed me that since I sent an inaccurate amount, the payment was returned to XXXX XXXX. I contacted XXXX XXXX and they informed me that the PHH Mortgage would need to contact them to release the refund. XXXX XXXX has also told me that they have submitted several request to PHH Mortgage regarding the refund. I have talked to PHH Mortgage 3-4 times a week and continue to receive the same response. " Call us back in 24-48 hours '' " A work order has been submitted '' " We are working on getting a return code for you to get your refund ''. I have been told by " XXXX '' a supervisor in customer service that it is being handled by the " Resolution Team ''. I was told on another day by a customer service representative that there is no such thing as a resolution team. I have told PHH Mortgage that in order for me to send the correct payment, I need my {$890.00} back. Still to this date, I have not received the {$890.00} 22 days later that I sent via XXXX XXXX and I am being reported with a late payment to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: PA

Complaint narrative:
My Loan has been paid in full to XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My Loan has been paid in full to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Loan has been paid in full to XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently tried applying for a Bank of America credit card and got a reply that I am declined because I have two delinquent accounts with them, one a fraudulent mortgage from Countrywide that was settled a long time ago through bailouts, I don't understand why they are holding these ancient, obsolete, fraudulent loans against me. The other is a line of credit they claim is called a gold line that I know nothing of I believe it's identity theft and asked for documents and signatures which they did not and said can not produce. They have no documents for either of these debts they claim I owe them. They claim to protect consumers from identity theft and be fair lenders and employers, I'm even an associate on leave with them and have received very poor service regarding this matter. I emailed  XXXX their recovery department and have not gotten any replies, I had to get a manager at a branch to call a manager with customer service to look into it and still haven't heard back and this is after I was endlessly transferred from one division to another over the phone and noone has still been able to resolve this. When you look at my credit report with experian XXXX XXXX  it's all  clean. What can I do to fix this? Bank of America knows well that Countrywide loans were fraudulent and got bailed out for their mistake so I shouldn't be held accountable for that. Secondly as a victim of identity theft how could I possibly have documents on a supposed line of credit I never signed for. They should have the documents and they are asking for me to produce them. That's ridiculous, I've asked them to send me the signed documents and they tell me they don't have them yet hold me accountable? Also they need to do a better job at communicating, I did not know of anything until I tried applying for a card, I never got any communication from them and still they are failing at communicating. Please help me resolve this matter, thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
After reviewing my credit report, and several dispute letters, this account remained on my credit report. I then contacted the collection agency directly, bypassing the credit bureaus, for the debt validation and additional information needed to validate this debt, they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Last XX/XX/2019 I was paid in full balance of {$3000.00} included for cash balances and interest accrued. 
Then this coming XX/XX/2019 statement, I received an additional interest charge of {$54.00}. 
I called the company and I spoke XXXX she said they can not waived the interest because this is valid interest. 

I believed this is not fair because this is over charged interest in my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: TX

Complaint narrative:
My problem started on XX/XX/2018 when XXXX XXXX XXXX credit union transitioned from one credit card company to another. the new credit card company was ELAN FINANCIAL previous credit card company was XXXX XXXX I was unaware this was happening. The issue was that during this transition. my payment was refused. When I called about this twice, I was assured my credit would not be affected. When payment was finally allowed on XX/XX/XXXX. I was reported as 60 days late. this is a lie. I filed 2 disputes, no help. Then and spoke to Elan Financial rep who said it was incorrect and would be corrected. I wasn't convinced and closed the acct, as a matter of principle. Last dispute with XXXX  again not corrected. I take this matter personally as I always make my payments on time, and have held some many of my credit cards for decades without a late payment. I just wast this corrected. it was their refusal to accept payment on two separate occasions that caused this it also cost them a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I ( XXXX XXXX Military, XXXX XXXX ) purchased a product through money transfer service XXXX through the USAA Banking XXXX. Sent {$880.00} from my savings account, through XXXX on the USAA Banking XXXX on XXXX XX/XX/2019. Transfer completed on XXXX XX/XX/2019, verified from USAA. Called and texted seller, did not receive any update or word on the money being received and/or product being shipped. Filed a dispute with USAA to obtain a refund on XXXX XX/XX/2019, they denied any responsibility and did not issue a refund. Called XXXX and they only referred me to my banking service and said I have to obtain a refund through USAA. 
Now I have no product, {$880.00} was stolen from my savings account which USAA nor XXXX will not refund even with proper disputes and proof. I intend on moving this case to the Military Judge Advocate and legal services if not resolved. 
My wife and I are XXXX ( moving ) to another duty station at the end of this year and this money is extremely important to us, it can cover moving expenses, rentals and food while moving. I have been with USAA a long time and the fact that they are denying any help at all in this case is extremely saddening, if this can't be resolved we will look into other banking services that can provide buyer/user/veteran protection for money transfers. 

Please help! Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please note I sent a dispute with equifax and they responded that one of my debts from XXXX XXXX XXXX for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that equifax is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that equifax remove this debt from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I applied for an extended fraud alert with Experian on XX/XX/2019. I included the police report and my FTC Identity Theft report. I received a letter from Experian on XX/XX/2019 that said : " The identity theft report does not meet guidelines because it was not filed with  a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' ( This verbiage appears on page 2 of the uploaded letter ). 

I called the XXXX, NC police department where I filed my report and the officer who took my report assured me that filing false information in the state of North Carolina is a crime and this language is also part of the XXXX town ordinances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: DISCOVER BANK
State: MS

Complaint narrative:
Was paying the collection agency before my employer was closed ... Attempting to start employment with the MS Department of Employment Security. However, I received a letter from the collector requesting information pertaining to me from the future employer. I am not currently working for this employer as of yet. And the attempt to get my personal information is disturbing. This could hurt my job offer. 

Letter received on : XX/XX/2019 Organization involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed this XXXX  account with all three credit bureaus, the reported that it was closed in XXXX, now its reflecting closed XXXX once I paid the {$120.00} which I dont believe I owed this amount since it was an fee for a company trying to take money out of my account without my permission, I was charged the fee and my account was closed. I have notified all 3 bureaus to have this removed but they keep saying its correct. One bureau is showing XXXX closed and the other on shows XXXX according to XXXX XXXX, XXXX shows a XXXX, this account has been on my report for seven years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo dealer services is damaging my credit by reporting a XXXX charge-off on an auto loan ( wells fargo dealer services, partial account no.XXXX .... ) the original charge-off amount was for XXXX dollars which Wells says was for a bounced check on the final payment of the auto in XXXX. 
However due to admitted error on the part of wells fargo, wells owed me XXXX dollars since XXXX for insurance charged that I didn't need.Wells discovered their error, and '' promptly '' sent me a check for XXXX dollars in XXXX. 
so at the time of charge-off in XXXX for a XXXX dollar amount.. 
wells has " discovered '' they have owed me XXXX dollars since XXXX..wells sent a check for XXXX dollars for the " stolen '' funds for a fraudulent insurance scam ( cfpb court case resulting in XXXX XXXX dollar fine ) .YET WELLS FARGO WANTS TO HOLD ME AND MY CREDIT ACCOUNTABLE FOR A BOUNCED CHECK ... CLAWED BACK 47 DAYS AFTER THE CHECK PAID ... .EVEN THOUGH AT THE MOMENT OF CHECK BOUNCE WELLS HAS ADMITTED THEIR ERRONEOUSLY STOLE XXXX DOLLARS AND HAD BEEN HOLDING THOSE FUNDS SINCE XXXX. 
THE ATTACHMENTS HOLD THE INFO.WHICH CAN BE JUDICIALLY NOTICED EVIDENCE IN MY CASE LATER ON.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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 — Problem with personal statement of dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Please note I sent a dispute with XXXX and they responded that one of my debts from Medical Data Systems for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that XXXX  is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that XXXX remove this debt from my file 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
Consumer complaint received 2019-07-12 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: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I WAS SCAMMED ON XXXX XXXX BY A COMPANY NAMNED XXXX XXXX FOR {$990.00}. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND THEY REFUSED TO REFUND MY {$990.00}. I TRIED TO REPORT THIS AS FRAUD WITH MY CREDIT CARD COMPANY BUT IT WAS DENIED.I CAN'T GRT IN TOUCH WITH THIS COMPANY. THE CREDIT CARD IS STATING IT WAS DONE TOO LONG AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
My status changed before adding last 2 loans I only get paid monthly On both loans when I took out I asked to make sure I was only down for once a month on the XXXX I was told yes I continue to receive emails about being late on the XXXX of the month Now I am going to Social Security XXXX and paid on the 2nd Wednesday of the month. 
I spoke with collections today as they called me I was told they couldnt correct and was not their responsibility to get to the correct person to have changed. 
Yesterday I sent an email to customer service XX/XX/XXXX Today, XX/XX/XXXX I forwarded and sent an additional email with explanation of phone call, I received 4 phone calls yesterday XX/XX/XXXX which I didnt answer plus they left no voice mail. This was also explained on the phone call todayXX/XX/XXXX I would like - my payday changed to correct day one time a month Permanent -corrections to credit bureaus from Speedy Cash -corrections and reimbursement to my line of credit loan only for monthly payments and any additional fees they have charged

Company response to consumer: Closed with explanation