vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/2018 I mailed a letter to Transunion dated for XX/XX/18 requesting validation of the accounts reported on my credit bureau. I had the letter notarized and certified. This certified dispute letter was received in their office on XX/XX/2018. As of XX/XX/18, which is the given 30 days time frame for the credit bureau to verify and validate my disputes, I still have not received a response. On XX/XX/18, I sent a letter to Transunion again certified requesting that the items on my report be deleted immediately due to their failure to response. I also sent them a copy of the letter I sent on XX/XX/18 with a copy of the certified receipt stating that they received my request. Now as of XX/XX/18, I have not received a response from Transunion nor have not received an updated report of the items deleted.

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 2018-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a new vehicle. I was connected to their one of their sales reps, XXXX, who showed me around and was very kind. I was very clear with her and everyone I encountered that I had recently retired from the XXXX. 

After choosing the vehicle I liked, I negotiated with the manager, XXXX, who I also told about my military status. We agreed on the pricing and away I went to sign all the documents. I was sent to the finance rep, XXXX, to finish off the deal. I told him I recently retired from the XXXX and on my reqest for credit paperwork, it says what I currently do and my military status. 

I signed everything, financed some of the vehicle with Honda Financial ( their in-house lender ), and left to go have dinner. When I got home, I pulled out the paperwork to review it and make sure everything was good to go. Well, everything was not okay. I found a {$490.00} error XXXX made so I immediately called him to tell him. He denied the mistake and told me everything was right. It wasnt until I told him my wife and I both have MBAs that he started to really look at the numbers and then said oh yes, there is a mistake, but just come in and I can fix it. 

So i go in the next day at XXXX in the morning to meet the director of finance for our meeting and of course, he can not meet with me for whatever reason. I was taken care of by another finance rep who was nice and saw the error immediately. Resigned the paperwork and off I go. About a week or so later, Honda Financial sends me an e-mail with instructions to set up my account. 

As I looked around their website, I found a special deal for Active and Retired Military that provides a {$500.00} discount which NOBODY at the dealership mentioned. I called Honda Financial and they gave me the go around saying they can not apply this discount to the loan. I called Honda and they told me I had signed a contract and that there is nothing they can do. I called XXXX XXXX XXXX XXXX, where I purchased the vehicle and they said nothing could be done since they were already paid for the vehicle and they really dont care what happens afterwards. 

This is the reason I am filing this complaint- seems like they dont care about Military personne and are providing advertisements to lure people in but in the end, they dont deliver. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have two car loans with Credit Acceptance. One loan has been opened since XX/XX/XXXX and the other since XX/XX/XXXX. I have always paid my car loans either on time or EARLY. I had just moved and started a new job so I am a total of 3 days late on my current payment. In two days, I have received over 11 calls from credit acceptance telling me to call them regarding my loan. I answered this morning and the man I spoke to was demanding a payment today when I told him I just started a new job and my payment wouldnt be until next Saturday he continued asking me my pay schedule. I expressed my upset with the man due to the amount of calls Ive been receiving as Im trying to work and my phone keeps going off at work and I keep getting in trouble. The man then THREATENED to send me to collections for a payment that is 3 DAYS LATE and stated that the next day after a payment is late it gets sent to collections! I am beyond livid and extremely upset with the fact that they can treat their customers this way! This will be reported to the XXXX as well as a horrible review left on XXXX! This is TERRIBLE customer service!

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 2018-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: SC

Complaint narrative:
On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-25 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: UT

Complaint narrative:
Hi! Ive disputed inaccurate information several times with Experian related to a a student loan that was never late. Most recently in XX/XX/2018 I provided letters from XXXX stating the XXXX of XXXX XXXX accounts reported as 60 days late last year were not late in the months the report claims ( or ever ), and after another long reinvestigation period, the error still has not been corrected. XXXX states unequivocally the account was never late. I dont know what else to do after providing proof on the companys own letterhead and still getting no result. Its been almost a year Ive been trying to get this fixed with no results.

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 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: KS

Complaint narrative:
On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Annual Escrow Analysis was performed on XX/XX/2018. 

As usual, I request RE-EVALUATION to REMOVE TWO MONTH DEFAULT. 

it's a painful process which i have to request every year .... 

Penny Mac automatically increase my payment every year. 
every year i need to call and request them to remove additional funds in the escrow and keep my payment AS IS ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
This debt I believe occurred in XX/XX/XXXX/XX/XX/XXXX however has reappeared on my credit report showing a XX/XX/XXXX start date. I disputed the debt through the credit bureau 's but they supposedly received enough info to say it was my debt. I have never received any information and know this has been a collection item for many years at this point. It is illegal to re-age the debt in attempts to collect the debt. I have requested information from the agency but have not received anything to date. I have found one bill going back to XX/XX/XXXX regarding this debt so there is no way the XX/XX/XXXX report date is the origin.

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 2018-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Red River Collections Inc.
State: ND

Complaint narrative:
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff,  XXXX ( hereinafter XXXX ) is a resident of, North Dakota. 
3. The Defendant, Red River Collections , Inc. ( hereinafter Red River Collections ), is a North Dakota Corporation, with its principle place of business at XXXX XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX in XXXX County, North Dakota. 
4. This court has legal jurisdiction in this matter.

5. Red River Collections is a debt collector for XXXX XXXX. They allege XXXX owes {$990.00}. 
6. Red River Collections has reported said account as a negative remark on XXXX Credit Reports. 
7. By Red River Collections reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
8. Said negative remark has been and is damaging to XXXX credit score. 
9. On XX/XX/2018, XXXX sent a letter to Red River Collections for validation of said account ; NO RESPONSE was received by Red River Collections. 
10. Evidence will show Red River Collections received the letter on XX/XX/2018 at XXXX XXXX 
11. Red River Collections failed to report to the credit reporting agencies the item was being disputed. 
12. Red River Collections failed to abide by Fair Credit Reporting Act Section 623 and Fair Debt Collection Practices Act Section 807 ( 8 ) by not reporting the item as disputed. 
13. They also violated Fair Debt Collection Practices Act Section 809 ( b ), FTC opinion letter Cass from XXXX by continuing collection activity when they sent the Plaintiff a Summons and Complaint on XX/XX/2018. 
14. Red River Collections still continues to damage XXXX credit score by reporting this Innacurate information to the credit bureaus. 
15. Failure to response to said letter violated the Fair Debt Collection Practices Act ( Section 807-8 ) and violated the Fair Credit Reporting Act ( Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. American Honda Finances XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/2017 Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of 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 monetary relief
Consumer complaint received 2018-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 reporting agencies.

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 monetary relief
Consumer complaint received 2018-08-25 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: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX via telephone, I requested XXXX XXXX XXXX to decrease my finance rate noted on my XX/XX/XXXX statement to be 14.24 %, I spoke with rep named XXXX and informed that I have good credit score, never late, never over balance and have other credit cards with finance rate as low as 9.99 %. XXXX did decrease to 7.99 % finance rate until " XX/XX/XXXX '' with confirmation # XXXX. After that time, XXXX said that I could call back to get my finance rate decreased again. Per my XX/XX/XXXX statement, my finance charge is now 14.74 %, which is an increase from what it was back in XX/XX/XXXX. On XXXX via telephone and after a hold time of 27 minutes, I requested that XXXX decrease my finance rate again. The rep, XXXX, said that they can decrease only to 12.99 %. I asked why the finance rate increased even MORE than it had been before my first request to decrease it and she said " there was a federal Prime Rate increase. '' She could not tell me the amount of the Prime Rate increase. I explained that I have a very good credit score, never pay late, pay more than minimum each month and have never gone over my balance amount AND have other credit cards with lower finance rates as low as 9.99 % that have NOT had an increase in finance charge. I check transactions each week and statements each month for every account that I have. My complaint is that it appears that XXXX is taking advantage/capitalizing on and penalizing of those with good credit scores and payment history by applying less than fair finance rates, knowing that a consumer will not close an account as this could negatively impact their credit score. I have a " very good '' credit score per XXXX > XXXX, with " exceptional '' payment history and " good '' debt. The XXXX rep said that the best she could do was decrease my finance rate to 12.99 %, and when I asked she answered that this was effective immediately and only until XXXX. It seems that XXXX has deviant or perhaps even unethical practices ( increasing credit scores to whatever they want and without sending the consumer official notice ) with taking advantage of those with good or exceptional payment history and very good credit scores knowing that they will not close their account as that could cause a negative impact on credit score.

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 2018-08-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This should not have ever been reported as a repo -- the account was less than 30 days delinquent at time of repossession -- at some point the account went 45 days delinquent - the account was brought current but they forgot to remove the repo order ( per the representative ) but because it was repossessed the only way for me to get the motorcycle back was for me to pay the full balance which I dont feel was fair -- now it shows a invailid deficiency balance -- the motorcycle company feel that it should not be repossessed but they cant do anything s

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 2018-08-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I submitted a complaint with the CFPB on XX/XX/18, the case number is XXXX. If you go back to that complaint and look at XXXX response youll see that XXXX responded that the XXXX loan accounts were consolidated, closed and paid in full on XX/XX/18. XXXX also said in that response that they would report the status of my loans to the credit bureaus on the last day of each month. XXXX said, Therefore, we will update the consumer reporting agencies on XX/XX/2018 that your loan account is now closed since your loans have been paid in full by consolidation. The above statement was a lie. XXXX never updated Experian that the XXXX XXXX loan accounts were closed and paid in full. Experian presently shows the accounts as being open so right here in black and white in my CFPB report you can see XXXX lied to the CFPB about updating the credit bureaus that the accounts were paid in full, consolidated and closed. XXXX is doing this out of Spite and from XXXX response they have no respect for customers or the CFPB. XXXX blatantly lied in the response. It is almost XXXX and XXXX has yet to update Experian that the XXXX XXXX accounts are closed. I submitted/uploaded evidence from the CFPB response that XXXX sent stating the accounts would be reported consolidated, paid in full and closed on XX/XX/18 but XXXX still hasnt updated Experian and I submit a complaint about it everyday and XXXX has yet to fix the problem and Experian refuses to allow me to dispute the item not to mention Experian treats me like a liar when I state nothing but truth and facts. Experian said they believe XXXX because XXXX pays them. Why are XXXX and Experian allowed to lie to federal agencies without any consequences?

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