vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
I purchase a XXXX XXXX XXXX on XXXX/XXXX/XXXX in at the time they charged me a high interest rate of 9.64 %. I was a college student and I paid faithfully until I was injury on my job as a teacher assistant, then they came and taken the car from me in the year of XXXX, after I informed American Honda Finance Corporation my status, that I was on workman comp and I paid faithfully and they the American Honda Finance Corporation just up and taken my vehicle, which caused me hardship. The company did not even try to work with me, and I was paying what I could, the American Honda Finance Corporation repossessed my vehicle. I feel like they did me wrong, after I had purchased XXXX XXXX most of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CIR, Law Offices
State: CA

Complaint narrative:
On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: DC

Complaint narrative:
Allied Interstate debt collectors has called my residence XXXX times since XXXX XXXX, 2015. At times, the calls are only minutes apart. Normally it is a machine, leaving a message : This communication is from Allied Interstate LLC, a collection agency that is attempting to collect a debt. Any information we obtain will be used for that purpose. " On the rare occasion that it is a person, they were told the debt does not belong to anyone at our number, please stop calling ( to no avail ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
In the last XXXX job applications I asked to be sent a copy of my Consumer Report and both included, in the XXXX and the Felony Including Misdemeanor sections, a " Previous Address '' which I 've never lived at. My current address is correct, which I 've lived in since XX/XX/2001. Most job applications ask how long I 've been at my current address, and I always answer the correct amount of years, but if my 'Consumer Report ' says I 've lived somewhere I 've never been and I do n't even know *when* it says I 've lived there, the places I am applying to may see this as me lying on my job application and thus not give me a job. I do not know how long this has been in my 'file ', but I do know that I have been looking for a job for the past 6 *months*, and as I have no black marks from my previous jobs, no felonies nor misdemeanors nor even a parking ticket, I can only assume it is due to this fake address somehow in my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: OH

Complaint narrative:
I was involved in an automobile accident where XXXX. I contacted my insurance agent to find out what my options were as far as repairs were concerned. They told me that my comprehensive coverage would pay for the repairs and my out of pocket expense would only be {$50.00}. When I picked up the vehicle for the repair shop, I was told that it was covered under my collision coverage and not my comprehensive. Therefore, I had to pay {$250.00} out of pocket instead of the {$50.00} my insurance agent told me. 
I contacted the claims office and they notified me that under my policy, this was correct. If I had hit a deer, dog, or other animial, it would have been {$50.00} but because I hit XXXX at no fault of my own, I had to pay out {$250.00}. I was lied to and misled by XXXX and the people I pay each month to know my insurance policies inside and out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NC

Complaint narrative:
calling 15 to 16 times a day each day. Have it on a call log of time and date. starts early morning and last all day

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 2015-07-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc.
State: NC

Complaint narrative:
I just spoke with Recovery Management Services and inform them that XXXX University XXXX did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
In XXXX I leased a vehicle from Honda. In XXXX before my 2 year lease was up I lost my job and my home. I did what I had to do and paid for my truck until the date of completion in XXXX. I paid everything I owed and handed in my vehicle and keys. I have been financial stable and back on my feet since XXXX. I am currently in the process of retiring my credit so that I can purchase a home for my children. While reviewing my report I noticed that my account American Honda is listed on my account as " Not in good standing ''. When I requested to have to item removed that delisted it as a charge off further decreasing my score. I would appreciate some help because this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: MD

Complaint narrative:
Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have submitted a complete application for a loan modification to the servicer, Ocwen, on numerous occasions to the present. I have received from Ocwen letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, Ocwen has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at 1024.41 ( h ). 
Ocwen, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015.

Company response to consumer: Closed
Consumer complaint received 2016-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX : I opened an account with XXXX XXXX and ordered XXXX products with them. After having numerous issues with these XXXX products, I took my devices to XXXX, who confirmed that XXXX was not in fact using XXXX components and misrepresenting that they were actual new apple devices. I contacted XXXX, informed them that they have breached any trust or contract with my by falsifying that they were providing me with XXXX products, when in fact they were " reconditioned '' devices with XXXX components. 
I ended my contract that was to be a clean break, no early exit contract fees, etc. with them and switched my service to another carrier. I do n't owe this money, my account keeps getting sold over and over again to new companies trying to collect on this debt.

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 2015-03-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XXXX/XXXX/2014 in XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX denied loan because The Credit Bureau -TransUnion changed my personal information my XXXX name and my mother XXXX name. 
Also in the report see that without my permission on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. They requested my information in The Credit Bureau without my knowledge. I tried to ask that they tell the truth to sent to credit bureau, but they denied to help me. 
Need to check XXXX XXXX, I think that they started the problem in XXXX/XXXX/2014 with XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX, ( XXXX ) XXXX. I not want see more XXXX in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX I recently filed a complaint against Ally Financial ( please refer to complaint number XXXX.Their response to my complaint was updating the credit agency as paid in full to my account with them.They also advised me to contact the credit agency to assure account has been updated.I did contact the credit agency only to find out that Ally Financial did nothing they promised in the response to my complaint you all sent to them.XXXX did a reinvestigation on the matter and sent me a response saying when they contacted Ally Financial for an update and they advised them that the account is not paid as well as delinquent..The response to complaint number XXXX was decieving and they did not do what they promised.also they are reporting the account as {$2900.00} pass due when I was never late on any payment with them.Furthermore I should not have to contact the credit agency anymore to close the account as paid if Ally Financial furnished them with the correct info

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 2015-08-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just received the Trans Union Report, I just do n't get why they continue to not do their job? 
I attached my TransUnion credit tracker1- it shows a Delinquent account- I can assure you there no accounts that I have anything past due, All I ask is which one? 

2- Under Open accounts, it shows XXXX , XXXX is a closed paid account long ago. 

I appreciate the availability of Credit reporting information available to the consumer these days, but it 's the disgust when you look at it time and time again and it 's not correct. Life is hard enoughMy personal employment information they find difficult to correct, I have been in the same same address for 11 years, with ownership changes that are common in my industryCurrent EmploymentXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX XXXX mortgage was taken over by XXXX XXXX was taken over by XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had transunion for 2 years and there was XXXX time I went to the bank to get a credit card. I had looked up my credit score on transunion they said it was in the XXXX range so I went and applied for a credit card. Bank calls me back and tells me that my score is a XXXX which is too low for them but more alarming is that the difference of XXXX points and now because of that I have a bad hit on my credit for getting denied. Complained to transunion they said they could n't and would n't do anything 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 non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Ad astra recovery a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was discharged on XXXX 2014. Both company knowingly it was discharged and can not be collected but still trying to do so. Ad Astra recovery illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX discharged bankruptcy code. They need to remove the collection off my credit report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a 30 day late pay on XXXX XXXX. It is being reported XXXX XXXX I was in chapter XXXX bankruptcy and should be protected as this account was included in bankruptcy. The account has been paid off. I would like the late pay removed as al payments were submitted in my bankruptcy plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
For Trans Union, I received PRE-APPROVED pappliations for XXXX credit cards. They then reported these as hard inquiries. I read that if you are pre-approved, it will NOT be reported as a hard inquiry. Please investigate this for me. XXXX cards were received and are active. 

On my XXXX report there are XXXX hard inquiries from XXXX within a 3 week period. I did not authorize XXXX these inquiries. Why would they need XXXX checks in 3 weeks, anyway? Also, I also was hard-checked by XXXX in conjunction with the XXXX account. They collaborate to install internet, phone and TV services. Also, I already had an account with XXXX. There was no need to do a hard check on an existing account. I just moved. In short, there were XXXX hard inquiries to open XXXX account. Please help me with this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I wrote a certified letter to Transunion XX/XX/2015. As of this date - though they have been very helpful in my attempts to correct other elements of my credit reports, Transunion continues to list addresses that have nothing to do with me. 
They are part of the identity theft while I was out of the country. 

Kindly help to encourage Transunion to respond to my pleas.

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 2015-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation