vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our SLS account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, XXXX and XXXX credit 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 explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
My account got closed over 6 months ago. Discover says I don't owe them any money but whenever I ask the usually very nice customer service reps why my account got closed or if I can open another one they turn into ice cold emotional robots spewing out the same company policy line. 

I feel like I have a right to know why my account was cancelled. I did a lot of business with them and I feel like this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: NC

Complaint narrative:
XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my credit report and it shows the inquiries above are fraudulent and I have a sent a copy of the FTC report to request removal. I have not been successful and I need these removed due to attempting to purchase a home.

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 2021-05-01 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: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
Contacted Avant credit card about a charge for XXXX music that wasn't mine. They sent me to fraud department ( so called ) all the man could do was stop the account and send it to fraud department he wanted to know how long it had been going on. I looked back a few months and found it to have be going on for a few months. I started to look farther into the account. I found out the first time I applied was XXXX of 2018. It said closed second was opened XX/XX/2018 XXXX has a few little charges and then I see a balance carried over but it said nothing from where, I ask them about that girl look into it more said she doesn't understand there was a third account! I had thought these were house bills I paid with the card or something then I seen a charge from XXXX  XXXX  XXXX and cash advance XXXX. I should of taken a screen show of it because since i.said something now it is gone. We refinanced the house to get out of debt I was fine for one month and again the 9 something shows up on my account again. I have spoken to this web based credit card company 6 times telling them they never closed my account they said they did I had to out a stop on my account I have been making payments on for over 5 years now on things I never changed. And no one as yet to call me back. Please help me figure this out I am disabled and can only put out the money that has to be. Please help me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a balance of {$31000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: GA

Complaint narrative:
Good afternoon, I been a customer 2004 with Netspend I filed two claims # XXXX and claim # XXXX for the amounts of {$4500.00} and {$3800.00} for fraudulent transactions from XXXX XXXX XXXX  on XX/XX/XXXX after trying to use my card to buy food it being declined. I never received anytime alert stating these transactions were made. When I called I was made aware of transactions and they were still pending and I tried to get agent to block and stated she couldnt. I have received correspondence of closure of my claim. I have never lived in those apartments I own my home so I pay mortgage. I would like my funds totaling {$8300.00} to be sent to me immediately. Trying to go thru customer service is a nightmare. When I get an agent its hard for them to verify me but finally got their today only to be told money is gone. How is that even possibly? XXXX out my account gone? I need my money!

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 2021-05-01 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit report is reporting other information that is not mine and misinformation is making my score go down.

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 2021-05-01 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: FL

Complaint narrative:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal 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 2021-05-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal 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 non-monetary relief
Consumer complaint received 2021-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: NC

Complaint narrative:
I feel that Discover has failed to increase my credit line because of my national origin and I feel discriminated as XXXX American hard working tax payer. 

Enough of the abuse by these stupid companies. 

I make more than enough money over XXXX XXXX per year and still never an increase. 
I just need the available credit in case of an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I signed up for Wells Fargo 's forbearance due to COVID 19 starting XX/XX/XXXX. For a period of time I was unemployed and trying to make payments, but unable to find a new job and signed up for the program. When I was able to find a job and catch up on bills, I wanted to make payments toward the past due amount to catch up before I was ready to resume normal payments. I have been doing so since XXXX of XXXX. Wells Fargo failed to fully communicate the fact that payments would not be accepted towards the unpaid amount until they totaled a full monthly amount. Example : If my monthly payment was {$1000.00} and I paid in {$800.00}, the amount paid would not be applied until I came up with the extra {$200.00}. 

Further more after the forbearance ends the {$800.00} still would not be applied, making it that much harder to catch up. Should Wells Fargo done a better job at communicating this, I would have been able to plan for this better. I feel this hinders my ability to recover financially from COVID, while Wells can leverage a greater amount of debt for their own interests.

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 2021-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian credit agency has refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been 8 months and they still will not remove this information from my credit report.

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 2021-05-01 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: DISCOVER BANK
State: NC

Complaint narrative:
I rented a car because my car broke down. 
I started renting from XXXX in XXXX, Texas on XX/XX/2021 and ended on XXXX XXXX. I was paying every week {$300.00} dollars from Wednesday to Wednesday. using my Discover Card. I made multiple payments to Discover during this same time. The problem is that XXXX charged my card {$1500.00} at the end of my car rental. They never disclosed this practice to me. I was told that they were charging my card weekly {$30000.00} dollars. So I feel let down and duped by XXXX XXXX XXXX and Discover who just took my available credit of {$1200.00} and accepted this last charge of {$1500.00} and left me with a huge balance and no available credit in case of emergencies. 

Please help me! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have reviewed a copy of my credit report and I show company MIDLANDMCM, account number XXXX is listed as non-verified account. I have attempted on a number of times to have this account reviewed with no luck. I have been violated per the FRCA and also FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OR

Complaint narrative:
RE : Jefferson Capital Systems , LLC, a debt collector I learned from viewing my credit reports that the debt collector re-aged my debt when reporting to all three credit reporting bureaus. Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency. According to the law, Fair Credit Reporting Act ( FCRA ), the date of first delinquency is shown in credit reports. Subsequent activity, such as one debt collector selling the debt to another collector, is irrelevant, particularly to the 7-year rule outlined in the FCRA. The start of the 7-year period begins at the date of first delinquency, or if no payments are made, when the first payment was due. Unscrupulous collection agencies, such as Jefferson Capital Systems, reset the date of first delinquency to stretch out how long a derogatory account appears on consumers credit report. This is illegal under the FCRA.

In the case of my debt, the first date of delinquency is over five years old. Jefferson Capital Systems , LLC has reported the date of the debt as only two years old, XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: AR

Complaint narrative:
I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.

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 2021-05-01 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I reviewed a copy of my credit report and I see that there is a bankruptcy item listed that I'm not aware of. I attempted to contact the company and request verification and received nothing back. I understand that this a violation of FDCPA and need to have the account deleted from my credit profile.

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 2021-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, my husband and I acquired a 72 month loan for {$19000.00} through JP Morgan Chase, as a lease buy-out for a XXXX XXXX XXXX. 
On XX/XX/XXXX, we were involved in an auto accident while driving the subject vehicle, and filed an insurance claim. 
On XX/XX/XXXX, our insurance company notified us that the vehicle was deemed as a total loss. The claims adjuster also stated that per the Department of Motor Vehicle, the owner of the vehicle was listed as JP Morgan Chase ; whereas my husband and I should be listed as owners and JP Morgan Chase as the lien holder. Unfortunately, XXXX XXXX is unable to payoff our auto loan that has a remaining principal balance of {$14000.00}, until we are listed as owners of the XXXX. 
I immediately contacted Chase, and spoke to a representative who confirmed the title did in-fact, list them as the owners, and he did not know why. The representative then said he would submit a ticket for this to be looked into, and I should hear something back by XX/XX/XXXX. 
Today, XX/XX/XXXX, I called Chase back to see if they filed for the title yet? The representative who I spoke to told me that they filed for the title on XX/XX/XXXX via XXXX. She stated it may take up to 60 days for the title to be processed ; and due to COVID, it may take longer. I called my local County Clerk and Recorder 's office to see if they received the title request and if there was anything that I could do to help rectify the situation. The County Clerk 's office stated they had no record of receiving the title request and there were no current delays with filing titles to vehicles. 
I then made another phone call to Chase, and spoke to a customer service representative who stated it appeared that nothing had been processed for our title at this time and she would send the necessary paperwork to their title department to be processed. 
In the meantime, I am responsible for making principal and interest payments for a vehicle that could be paid in full, had they processed the paperwork correctly. Chase has stated it may take until XX/XX/XXXX to investigate why they have not filed for the title. It may take up to 60 days to receive the title. It may take up to an additional 30 days after the payoff is received, to process the lien release. Again, during this time, the loan is accumulating interest. 
Chase has sent me miscellaneous loan documents to be re-signed multiple times. I have complied with each and every request. 
I requested for them to contact my insurance company in order to resolve this issue, but they were unwilling. 
What are my rights as a consumer? Is Chase required to forgive any interest/finance charges that are accumulating during this time? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our XXXX account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, Equifax and XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 120 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i am hoping I can finally get a response because the last 6 months I have not received responses to my request for investigations from XXXX, Equifax, and XXXX. My attorney has advise me to escalate this matter due to violations of not responding to my requests for investigations.

Company response to consumer: Closed with explanation