vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda Financial Services ( HFS ) is using coercive tactics to obtain payment of a bill that is not accurate. HFS sent threatening letter to coerce collection funds for a leased vehicle that was appropriately turned in and terminated 5 months prior to distribution of a bill by HFS. HFS states information was not received to close account through the mail, which is false ( information was mailed ). HFS acknowledged in subsequent letters that lease was terminated but needed documentation of registration termination or license plates turn-in -- license plate turn-in documentation was provided. When contacted through customer service representative ( XXXX on XXXX XXXX ), information was provided that a pro rata share of bill would only need to be paid. Such payment was made on XXXX XXXX. Documentation of payment and all other documents supporting closing the lease account were emailed to HFS service region at XXXX. Instead of responding to requests in email to ensure account was terminated after pro-rata payment was made, HFS on XXXX XXXX sent coercive letter stating balance was required even though period of the bill included time period that the leased vehicle was appropriately terminated and turned in and accepted as a turn-in by Honda.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
A few weeks ago I submitted a complaint to CFPB about Amerihome 's false reporting of a late payment on my credit report. During the time I had tried to work the issue out with the company, they had been very rude and dismissive but I didnt include that in my complaint because I know they are a crooked company and I wouldn't expect anything less. However, yesterday a representative from Amerihome that I spoke to threatened to report another late payment on my credit report if I continued to pursue this issue. I have told Amerihome a few times, including in my last complaint, that I will now be hiring a lawyer to resolve this issue and get the late payment removed from my credit report and my assumption is they dont like the possibility of having to spend money to protect themselves against the false reporting in addition to the reviews I have left online. Anyway, I just wanted to bring it up that they clearly use late payment reporting as a means to control their customers. This company has to be shut down. They should not be in business particularly after what happened in 2008 with all the predatory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to complain about my Citi XXXX XXXX  card. After receiving the card inXX/XX/XXXX, I activated the card this summer and was using the card until Citi abruptly froze my account. When I called to check on why the account was frozen, I initially could not get a straight answer. It was only after several attempts that I finally learned that Citi froze my account in order to conduct a background check to make sure I am the appropriate card holder. The account was frozen in early XX/XX/XXXX.

At the time, I was on travel for work, so I tried to address the verification issues by phone, but was informed that Citi only verifies by mail. While this was inconvenient, I did go ahead and send in the form Citi sent over. I learned today that Citi still requires another paper form submission that I am yet to receive in the mail. Once again, I am set to travel for work and do not have an active Citi card.

This process and the customer service at Citi have been terrible. More problematic, though, is that they do not conduct these various checks before a card is issued. What happens if someone is using someone else 's card. It appears from my experience that Citi allows use and only later conducts a verification. This is a troubling practice that should be investigated.

For now, I am once again without a card. I wish I hadn't closed another account in order to open this account since Citi 's service has been subpar.

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 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen Loan Servicing is using abusive unfair and deceptive loan servicing tactics in connection with my foreclosure process. Ocwen provided me an approved modification based on personal and financial information I DID NOT PROVIDE TO THEM. 
I declined the modification on XX/XX/XXXX and on XX/XX/XXXX, Ocwen made a motion for renewed summary judgement against because I did not accept the bogus modification. See attached. This is the fourth time Ocwen has done this. 
Ocwen is using the loan modification process to cause me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I sent money via western union today. I checked the market from the time I walked from the counter to my vehicle and the exchange rate was much higher than what I was given. When my recipient picked the amount up in the same day it was still much higher. Where is my money going? Why was I not given at any point the exchange rate of today at any point during my transaction. I lost over 110- 115 pesos per us dollar. This is upsetting seeing that my amount of dollars was not small. My western union tracking number is XXXX todays dat is XX/XX/18 and I was given a rate of of XXXXUSD = XXXX after XXXX eastern time. I have been checking the rates online and they have been well over 1USD = XXXX at the time sending and XXXX of pickup and actually even higher at the time sent. I want to know what and where my money is going since Western union is not keeping up to the exchange rate of the day?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I think it's a scam call. She claim calling from citi bank which owns my citi card. However, she claims she needs my debit card or check number, or checking account number. The credit card should have the my debit checking account number. It's ridiculous The number is calling from XXXX and she said her name is XXXX from 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 2018-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I open an account saving a checking with USSA and insurance policy auto and rental. I was given a price and provide all the document they requested. I have an honorable discharge and provided everything the military issuse to prove your status and they refused to accept my documents and closed my accounts. Two months later they made a transition on my credit card to collect a payment. I didnt give them authorization to take money since it was closed. They have failed to reimburse me for money and still have not gave cause for denying me service. In spite of them having all the documents proven I was a veteran and they still refused to accept it. I want my account reinstated and full amount refunded back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Transworld Systems has reported a collection account on my credit report I didn't know was there. I've never received any information or had any contact with this company about this collection account. I have not been given any opportunity to verify the validity of this alleged debt nor have I gotten the opportunity to dispute the debt with the company. I submitted a dispute with TransUnion credit reporting agency and of course they say the company has validated the debt. I have no idea how that is even possible since I have not been in contact with this company nor have I been provided with any information regarding this debt. Transworld Systems has illegally reported this alleged collection account on my credit report and is in direct violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX  can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: LA

Complaint narrative:
I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and  processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I made a transfer from the Bank of America website. It was an external transfer from XXXX XXXX to my checking account in Bank of America. BOFA withdrew {$1000.00} from my XXXX XXXX  account but never deposited in my account. I has been about 3 weeks already with no resolution and every time that I call them, is like I never called before. I logged in the BAFA   website and requested a {$1000.00} transfer from my XXXX XXXX to my BOFA account. Having done this before, I thought everything was going to go as expected, but it didn't. Initially, BOFA was playing the blame game and was trying to say that XXXX was to blame for this. After long talks with XXXX XXXX   management, we finally realized that BOFA was responsible. The withdrew the {$1000.00} and they are the ones able to trace it and let me know what happened with my money. I am not sure what to do here, but at this point, I feel like this money was stolen from me. The outrageous it that I because of this, I was not able to pay the full amount of my credit card and BOFA is already trying to collect the interest when everything was their fault, to begin with.

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 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
In XXXX I opened an account with XXXX XXXX XXXX. In XX/XX/XXXX, I opted to have credit protection placed on my account. I payed on time payments from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX, I had a medical emergency, and the doctor took me out of work. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX ( credit protection ) payment included. On XX/XX/XXXX XXXX XXXX XXXX closed my credit protection account, unknown to me.On XX/XX/XXXX the doctor ( medical emergency ) took me out of work. I was unable to make on time payments. XXXX XXXX XXXX charged the account off and sold the account in XX/XX/XXXX. It hits my credit report with negative remarks. I'm still recovering during this process. Recently, I contacted XXXX XXXX XXXX to see what are my options, because now the account in collections and it has damaged my credit. I spoke with an account manager on XX/XX/XXXXand was instructed to call the credit protection ( XXXX claim insurance company ) and file a claim. I called on XXXX XX/XX/XXXX and was told I was not covered for that time period, due to the policy being cancelled on XXXX XX/XX/XXXX. I was instructed to call XXXX XXXX XXXX. I called back and spoke with another account manager, and that account manager verified they closed my credit protection account unbeknown to me. And it was nothing they could do! Currently, this account is sitting on my credit in collections, which is debilitating my credit score! I was NEVER informed they ( XXXX XXXX XXXX ) cancelled my credit protection! I called to file a claim and was denied ; due to the bank cancelling my account ( credit protection ) after a  payment days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX - Current student loan principal balance : {$35000.00}, with interest : {$45000.00} XX/XX/XXXX - Original student loan principal balance : {$12000.00}. 


XX/XX/XXXX - Department of education sells my loan to Suntrust. 
XX/XX/XXXX - Suntrust DOUBLES my principal balance, claiming it to be a finance charge. 


Started as a {$13000.00} loan, I have made AT LEAST {$13000.00} in payments ( NOT OF WHICH ALL HAVE BEEN ACCOUNTED FOR ) and I now will end up paying an additional {$100000.00} to repay this loan in full. This does not seem legal at all! How can Suntrust legally double the principal of my loan under the guise of 'finance charge '?

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 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XX/XX/2018 a letter was sebt for validation and it was never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I totaled my car in XX/XX/XXXX. I purchased GAP insurance along with the XXXX XXXX. I was informed that the GAP insurance would pay off the note in full. A GAP insurance payment was made in the amount of {$4600.00} in XX/XX/XXXX, which left an outstanding balance of {$500.00}. On XX/XX/XXXX, I was notified of the outstanding balance, this was the first notification I received. I paid the account in full upon receipt of the outstanding statement. I was unaware of the outstanding balance until the statement was received. Respectfully, please remove the thirty day lates reported on this account that have been reported to XXXX, XXXX, and 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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble

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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous e-oscar verification that is causing so many consumers trouble

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 2018-10-10 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: Credit Management Control, Inc.
State: NM

Complaint narrative:
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them CREDIT MANAGEMENT CNTRL Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I checked my credit report and i found that GAP clothing store has closed my credit account with them with an amount of {$97.00}, while i haven't even received their credit card nor gotten any notifications about my credit. I tried to contact them but i didn't get a reply. My credit score was pushed back because of this and i hope i can get it fixed. 

Thanks, 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 monetary relief
Consumer complaint received 2018-10-10 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: NC

Complaint narrative:
I been a victim of identity theft.

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 2018-10-10 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: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX   XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention COMMONWEALTH FINANCE Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: First Federal Credit Control, Inc.
State: NM

Complaint narrative:
I got alot of different Medical debt that keeps showing up on my report under new postings despite some if it is 5-7 years old Also got a bank reporting and its been 12-15 years since i've had an account with them XXXX XXXX XXXX Last reported : XX/XX/2018 {$1600.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Needs Attention FIRST FED CREDIT CONTROL Last reported : XX/XX/2018 {$1000.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$710.00} Needs Attention XXXX XXXX Last reported : XX/XX/2018 {$340.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/2018 These are just to bring a few.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation