vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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: NJ

Complaint narrative:
Back in XXXX of XXXX, I reached out to Honda Financial because I realized that the amount owed to them was reflecting as over {$13000.00} when I only owed {$1100.00} on a collection account that had been out since XXXX. I spoke to an agent at Honda Financial who quickly corrected the information. Within a few weeks, the information was provided to all 3 credit bureaus. XXXX and XXXX  updated my information and it helped increase my credit score substantially. Unfortunately, XXXX reported this change as a new charge-off account, which was not the case and it dropped my score dramatically from XXXX down 75 points to XXXX. As soon as I noticed the drop in my score I reached out XXXX  shortly after XX/XX/XXXX. I spoke with an agent who stated that there was nothing that they could do as the system just takes the information provided by the creditor and factors it into its algorithm. They suggested I reach out to Honda and have them make changes to the account and that may help. I called Honda and paid the amount owed XXXX {$1100.00} XXXX in hopes that this would help ; it did not. They just reported the payment and XXXX  just updated the remarks to " Paid Charge-Off '' ; my score stayed the same. I called both Honda and XXXX a few more times and got the same answers from both. Eventually, I gave up since it seemed none of them were budging. I figured that I'll let time correct the issue. Recently on XX/XX/XXXX, I tried submitting an online request to remove the account since I'm only a year away from it being removed from my account. Unfortunately, that led to my score dropping another 18 points after having gone up to XXXX. I called Honda once again today XX/XX/XXXX spoke to an agent who stated that they can not remove trade lines from my report and all they can do is provide an updated report showing the dates of the payments. I don't think this will help and would like the Honda Financial account removed altogether and my score returned to over 660 for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I initially placed a freeze on my Equifax report online using their web site. I went back to temporarily unfreeze it and this time they had the process moved and it now required a login to the web site. I went through the process to login, reset my password, etc. and kept getting an error after attempting to login telling me to call a number ( XXXX ). 
After 2 and a half hours on hold and transfers to several different people, I finally reached the department that deals with the logins. They verified my information with lots of questions about SSN, birthdate, loans, etc. They then told me that I was unable to login to my account because they couldn't verify some information I had entered during the account set up process. I asked what the issue was and they refused to tell me. I offered to provide the information or verify anything they needed, and they refused to do so. They said that they would never, NEVER, let me log in to my account online. When I asked to speak to a supervisor, I was told that they would not allow me to speak to a supervisor for this issue. When I asked to speak to a supervisor about the customer service, I was again refused. They said that I would have to make any account changes by phone XXXX hours long waits ) or fax until the end of time, they would never stop refusing to fix the issue. 

In summary, I was able to freeze my credit online. But I was blocked from unfreezing it online. I was told I would never, ever be allowed to use my online equifax account. I was refused any explanation or to speak to someone who could help. They are holding my credit account hostage by not allowing me to unfreeze it using the same method I used to freeze it. 

The individual I spoke with was : XXXX ID : XXXX of the Fraud Dispute and Online Department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
Tried to log into my online account with Toyota Financial Services. Had received a Billing Statement which included personal property tax. Was trying to determine if the automatic payment process setup for this lease would continue and pay this monthly charge. 
When I tried to log on, a pop-up screen appeared that I interpreted to mean that I would be forced to switch to paperless billing each month if I accepted the terms. Exited the online website. While on hold trying to contact TFS,  received an email from Toyota indicating that my online account had been deactivated. I received a 2nd email from TFS indicating my XXXX payment had been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2018XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX searching XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have not given any of these companies written permission to run my credit i have asked experian to remove these inquiries several times and no response

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 2020-03-27 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: NV

Complaint narrative:
Looked at my Experian report on XX/XX/2020 and the report dispute results show that the Bankruptcies were taken off. I log back on today, XX/XX/2020 only to see that the bankruptcies are put back on my credit report without no letter sent explaining why nor did experian send me a 5 day notice for reinsertion. Nor did experian respond to my letter regarding that I sent stating : Dear Credit Bureau ( Experian, XXXX or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

[ List account names and account numbers ] As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my police report and utility bill. I am requesting an investigation not a verification regarding these erroneous bankruptcies and the accounts in dispute that are up under the bankruptcies that do not belong to me. I am a Nevadian and have been for almost 10 years. Remove immediately! 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX PER FCRA LAWS : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY The FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and prove the credit reporting agency sent in the proper documentation validating the accounts. if you successfully disputed and had a delinquent account on your credit report removed, the credit reporting agency could only put the account back on your report if it received information from the company that the account was accurate and if it provided you with notice that the account was placed back on your report along with the documentation.

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 2020-03-27 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:
I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CA

Complaint narrative:
I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are XXXX accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.

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 2020-03-27 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: CA

Complaint narrative:
I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.

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 2020-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX 2020, someone used my personal information to open a credit card with XXXX through Comenity Bank. I have attempted to call Comenity Bank to resolve this situation multiple times, but they recently sent me a letter determining that I am not a victim of fraud because the information on the fraudulent account matches mine. The phone number the identity thief provided has been disconnected for many years, and the thief also ordered {$2500.00} of furniture to be delivered to their address in XXXX FL. I reside in PA and have never lived in XXXX. I advised Comenity Bank of this and asked them to consider it as evidence of fraud, and they told me I would have to call XXXX and have them mail a letter to Comenity confirming the online order was shipped to XXXX because they do not have that information. I called XXXX to request this letter be sent, and I was told that they have no such process and I would need to deal directly with Comenity. I am getting the runaround from these companies about a debt I did not incur with a store I do not patronize. I have ample evidence that I did not open this account but Comenity does not seem willing to investigate my case past what was put on the application by the identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TX

Complaint narrative:
Their are fraud items : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX on my credit report. XXXX and XXXX investigated these items and identified they was fraud and removed them. Equifax refuse to do a proper investigation on these items and still have these fraud accounts on my report. I disputed these items 3 times with equifax and asked them for documentation of their investigation but have not received anything. I submitted a fraud report about these items but equifax still refuse to investigate and remove these items that are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule
of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERVIC Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I'm a residence of New York XXXX XXXX the hardest hit by XXXX, I am also a father of XXXX .I have been hit with a financial hardship after I been tested for XXXX we are down to single income ( PLEASE KEEP CONFIDENTIAL ). I will be sending my kids to live with their mother. When i am in self-quarantine i have reached out to all my creditor to explain my situation. I have tried many times to reach out to PPH/Ocwen but with no help. Please I am asking for the help of PPh/Ocwen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I've had a Citibank credit card since XXXX. Ten years ago I got a CitiBusiness card which I used for my small business. For my business I have a XXXX XXXX XXXX. I had work done on it last spring by a shop that specializes in XXXX repair. Not only did the work take an extraordinary amount of time but it was poorly done. I quickly let the merchant know that his work was not holding up and that, in fact, he'd damaged some things on my vehicle. I had hoped that he would stand behind his work but it quickly became apparent that he was not going to do anything as he refused to return phone calls or emails. I contacted Citibank and disputed the {$7500.00} charge. I provided Citi with estimates and bills from the merchant as well as my emails to him attempting to resolve the issue. I also wrote a detailed letter explaining what the problems were and that I had tried to resolve the issue with the merchant. I did this in a timely fashion but did not hear back from Citibank for four ( 4 ) months. When I called them they said they'd tried to reach out to me but had been able to contact me. I received no calls, emails or other correspondence during that time. I called them half a dozen times after that only to be told someone would contact me regarding the status of my dispute. The only contact they made was a letter stating that they could do nothing to resolve my dispute because I had not returned merchandise to the merchant. I spoke to a supervisor in the billing dispute department and told them there was no merchandise to return and that my dispute was about a service that had been provided. The supervisor said the wrong paperwork had been filed and that they would refile my complaint. Today I got another letter stating Citibank could do nothing to resolve my complaint because I had failed to return merchandise to the merchant. I don't believe Citibank ever had any intention to resolve this dispute. After 32 years I will be getting a new credit card.

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 2020-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I filed a complained with SunTrust about airline charge on our bank account. The international airline refused to refund our ticket after they said if we bought another ticket they would refund the old ticket. 
We reported the issue to SunTrust and provided all the documents including email. 
In XX/XX/XXXX, after investigations SunTrust Bank, reversed the charge and closed the case. On XX/XX/XXXX, without notification to us from SunTrust, they re-posted the airline fee. We called to ask why and to re-dispute the charge and they will not respond. We called Suntrust multiple time to re-expalin the re-charge and they have essentially ignored us and stated that the airline informed them we flew so they reversed the charge. We asked for evidence to support what the airline said and they will not provide us anything. We asked them to re-examine all the supporting evidence including direct email from the airline and they will not. As a result of SunTrust actions to re-post the charge on our account, it has led to multple charge-backs and NSF fees posted from SunTrust.

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 2020-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recocery Solutions started contacting me during the national pandemic to collect a 16 year old debt from XXXX  XXXX XXXX.

Company response to consumer: Closed with non-monetary relief