vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX in XXXX XXXX, FL XXXX. My social # XXXX. XXXX/Honda financial is showing a lease on my personal credit report, one that is NOT in my name as borrower or co-borrower. I am however listed as a GUARANTOR on ( 2 ) XXXX leases. A XXXX XXXX and a XXXX XXXX. However, I am not a borrower or co-borrower. The ( 2 ) leases mentioned above are ONLY in the name of a business, which is " XXXX XXXX XXXX XXXX, XXXX " XXXX XXXX, myself and the dealer, XXXX XXXX, all have copies of the contracts that proves both of the above. Neither of these leases should be showing up at all on my personal credit reports unless the business were to default on the leases With XXXX/Honda Financial. I need swift help taking care of this with XXXX, as this mistake is causing severe damage to my credit report and debt to income ratio. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Several years ago I obtained a XXXX XXXX Mortgage from PNC Bank. All was good and I always made my payment 2-4 weeks ahead of time. At some point last year PNC Bank discovered that if I pay early I pay less interest. They changed their system and its been a disaster ever since. Every month it appears like I have not made the proper payment. They have flat out told me I can no longer make early payments as it will mess up their system. As a commissioned sales person I always like to stay ahead in payments just in case I have slow month. I can not do this anymore. I have received 2 calls over last 6 months regarding my " late mortgage payment ''. This infuriates me as I have never been late on a mortgage payment in 35 years. 
PNC really screwed up when they designed this loan. Not my problem. I did not even realize what was happening until the changed their payment system.Of course they lied to me for the first 6 months about the how's and why's of their system. I finally figured it out for myself.Once confronted with this info several phone reps have admitted how the system now works and why.It 's all about the interest they want to collect. Is it even legal for them to prevent me from paying early? Or to change the payment system?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC.
State: NM

Complaint narrative:
XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: TX

Complaint narrative:
inaccurate 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 2019-03-04 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: FL

Complaint narrative:
It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: MD

Complaint narrative:
My original loan was {$1400.00} My fotst payment was {$260.00} on XX/XX/19 Senconf payment {$370.00} on XX/XX/19 Third payment {$370.00} on XX/XX/19 Then i can on friday XX/XX/19 to schedule the full loan amount the representative that day say my remain balance to oay in full was XXXX cents Then they wildraw out my account {$1600.00} cents i call and try to unfetstand the XXXX say he review the conversation and hecsay the amount was okey to be charge then i make the numbers and dont make sense after 3 payments 2 of XXXX and one of {$260.00} total of pauments is {$1000.00}. 44 then yo pay complete {$1600.00} is way over payment i considering this and abuse of people on need like me. Please help The comoany go with another name XXXX Or BLUE TRUST LOANS

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Credit Corp solutions-Contacted a number not listed on application of debt. I believe they are phishing and contacting people who may be associated with my name online as possible friends or family. Told the company to contact me directly via the contact provided to original debtor. Told them to stop phishing and searching the internet for contact related to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Wife received a letter from Wells Fargo Remediation Subject : Update on potentially unauthorized Wells Fargo deposit account you may not have authorized, which has since been closed. 

States : Impacted account ending in : 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 explanation
Consumer complaint received 2019-03-04 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
ON OR AROUND XX/XX/XXXX THERE WAS SEVERAL UNAUTHORIZED CHARGES MADE TO MY BUSINESS ACCOUNT FOR UNKNOWN FEES TO MY XXXX XXXX XXXX BUSINESS ACCOUNT. I HAD ONE CHARGE FOR {$300.00}, {$350.00} {$450.00}. I WAS NEVER INFORMED THAT THESE CHARGES TO MY BUSINESS ACCOUNT MADE. I NEVER GAVE CONSENT OR PERMISSION. THE IS FRAUD AND I WANTED TO REPORT IF. IT WAS BROUGHT TO MY ATTENTION 3 WEEKS AGO WHEN I WENT TO MY XXXX XXXX ACCOUNT TO MAKE A DEPOSIT AND DISCOVERED MY ACCOUNT WAS OVER-DRAFTED. I DID DISPUTE THE CHARGES WITH MY BANK AND I CONTACTED THE OFFICE TO MAKE A COMPLAINT OVER THE PHONE XXXX XXXX XXXX at, XXXX, XXXX, OH 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 2019-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
Date : XX/XX/19 Amount : {$400.00} Company : Coinbase Action Taken : Funds originally placed on hold for 16 days Called to get the hold reduced ( since my funds already cleared bank account ) Coinbase increased hold to 26 days Multiple tickets have been opened ( # XXXX, # XXXX, # XXXX, # XXXX ) I have ACH trace numbers and proof that the funds cleared. 

Per Coinbase : " Deposits are placed on a temporary hold while we wait for the transfer to clear ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I'm a victim of crime and I am a VICTIM of ILLEGAL MARRIAGES & XXXX & FORCED LABOUR WITHOUT PAY AND HIPAA VIOLATIONS & VICTIMIZATION OF CLONING & HEALTHCARE FRAUD. I AM PENDING XXXX XXXX XXXX CONTRACT PROMISES & MY LEGAL PAYCHECK & I AM BEING SMUGGLED & TRAFFICKED & VICTIMIZATION OF WAR CRIMES & I AM A VICTIM OF CHEMICAL RESTRAINTS & HUMAN GROWTH & RACKETEERING.

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 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX, sent a complete loan modification package to Wells Fargo. A few days later Wells Fargo sent a letter of denial before they even opened the package. On XX/XX/XXXX Wells Fargo did open the file and it was underwritten. I was one piece of paper ( a 4506 IRS form ) shy of getting into an active modification which would have stopped the foreclosure on XX/XX/XXXX. I pleaded with a supervisor and even went to XXXX XXXX 's office to complain to an attorney there. The attorney advised I send in another complete package. In addition, I sent a complete package to NACA, D & E a direct agent for XXXX XXXX, and the XXXX XXXX XXXX, in XXXX, N.Y who has done over 7,000 loan modifications since XXXX. Wells Fargo keeps denying me. The other three companies have all approved me for a modification.On XXXX XXXX, XXXX I filled a Chap. XXXX BK to stop the foreclosure sale. Wells Fargo 's attorneys called an emergency hearing for XXXX XXXX, XXXX XXXX, XXXX the day of the foreclosure sale. The Judge lifted the stay and allowed Wells Fargo 's attorneys to " cry out " the sale. I had an employee at the court house all day of XXXX XXXX, XXXX and in particular between XXXX XXXX and XXXX no " cry out '' of the sale occured. This is a wrongful foreclosure. The video surveillance cameras will verify that no sale took place as Wells Faroo 's attorney 's claim.

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 2019-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I sent a certified letter in XX/XX/2019 asking for verification and validation of the debt and they received it on XX/XX/2019 and it's been more than 30 days and now it's XX/XX/2019 and they the have yet to respond or delete from my credit report in which the Law requires them to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: FL

Complaint narrative:
It's Fraud and should be handled as fraud for the inaccurate 's which are all the hard and soft inquires I haven't applied for any application 's so all of the hard and soft inquires are fraudulently on my XXXX and TransUnion and XXXX Credit Reports by my mentally XXXX adult son who applied for application 's which cause buniesses to do hard and soft inquires all are of his fraudulently applying on application as me my mentally XXXX son mental XXXX hurts his reasoning and judgement he doesn't know due to his mental XXXX that my name and social security number and my XXXX  and TransUnion and XXXX   credit scores are my own and only for my use due to his mental XXXX hurting his reasoning and judgement I don't want to pursue criminal charges or law enforcement presents on the matter of fraud of the fraudulent use of my name and social security number and my XXXX and TransUnion and XXXX credit report and scores

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion I contacted and the rep told me that what ever is on my account stays on my report for 2yrs. However, I used my account for a car from XXXX in XXXX, az. Then at XXXX in XXXX, az. Before that I bought bedroom mattress queen set ( bedroom store ) in XXXX.Making monthly payments each month. Then I bought a living room set from XXXX XXXX in XXXX. Again making monthly payments still not reported. Now I know dealership call several companies to get a loaner, but not that many. I really need help with this because I have sent then companies : TransUnion, XXXX, XXXX. Copies of fully paid off accounts etc. And they will not take it. And there are companies I do not know about. Sorry I for got to tell you that the Hard Inquires on my credit report are not mine not all of them. Please help me. They need to be removed.

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 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
My house was hit by a tree XX/XX/2018. My insurance company responded promptly. Being that damages were over 40,000.00 I had to sign the check over to Quicken Loans in XXXX Michigan, they received it ( according to their records ) XX/XX/2018, I sent it in XXXX. This is the beginning of my nightmare ... my insurance company gave me startup money in which I immediately hired a contractor. The roof was replaced and new siding reconstructed, All walls, cabinets and carpeting tore out, new electrical ruffed in and flooring fixed. Now Im out of money and have been since XX/XX/2018. 
I have been through six employees and one executive officer at Quicken Loans, sent all required paperwork six times which they continuously lose. My contractor has contacted them, sent them the same paperwork ( the paperwork trail is way too much to include here! ) and the copies of Georgia Law on homeowners can be their own contractor on house repairs or they would not have given me a building permit, and the phone number to our local Codes and Enforcement Office so that Quicken Loans could inquire for themselves! I have requested the interest on the monies they are holding and they stated it would be applied to my mortgage-as of yet it is not accounted for on my statements. 
My husband had a XXXX over all of this and XXXX! My insurance company should not at this point have to continue paying for our temporary housing Quicken should! A total waste of insurance money. All I want is to get my house fixed and move back home! This is a total violation of my homeowner rights and I have found I am not the only person this has happened to! And today I get another request for the same paperwork Ive sent them six times before! I am so XXXX XXXX I have lost weight to XXXX pounds and I am not in good health either with XXXX and no iXXXX XXXX. XXXX  causes XXXX flair ups so Ive been to the doctors to try and circumvent that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. 

Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). 

They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian somehow hijacked my XXXX card and signed me up for some unnecessary monthly monitoring at a cost of {$23.00} per month, starting inXX/XX/XXXX. I never approved nor would I have approved of this monitoring. Experian is crooked and needs to be investigated.

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 2019-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Security National Automotive Acceptance
State: NC

Complaint narrative:
Me and my wife have been with this company since XXXX. We both looked at our credit report and noticed that our account with SNACC was closed due to no payment and payments. When me and my wife has clearly been making payments on time and every month. Other than when I was XXXX and I tried to tell them that and they still took the car. I paid well over XXXX to get the car back and now I see that on our credit report. We filled a despuit with the credit place and they came back to say the same thing. Now just this month we got an email that we didnt pay and it hit our credit again. They been doing this since XXXX. Now my car broke down and now we cant get into anything else due to our credit being low becuase of them reporting us late or not paying at all. We we have prove that we have paid every month and the month I was XXXX and took the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
This is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Equifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days

Company response to consumer: Closed with explanation