vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I co-signed for a lease for my daughter about 3 years ago. When her lease was up, she qualified on her own and no longer needed my commitment. She purchased a new lease on XX/XX/XXXX and turned in her old car, thus releasing all payments owed on the former lease. 
I received a letter from Honda Finance dated XX/XX/XXXX that immediate action was required to purchase of return the vehicle. I called the number on the letter ( attached ) to explain that the car had been turned in. I was told that documents were required from the dealer so my daughter called to fix the issue. 
The dealer is XXXX XXXX Honda and my daughters sales person was XXXX XXXX. She was told that a check was sent to Finance on XXXX for {$280.00} and the tracking number was # XXXX. I told her to check that all the proper checklist was done to turn in the vehicle and she called to ask. She was told they would go through the paperwork to be sure and call her back - which they never did. 
Last week I was notified from my Bank the the credit reporting bureaus have been notified that I am over 30 days late on payment to Honda Finance. I feel that the Dealer and Finance companies incompetent practices have negatively affected my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I owe a loan with Regional Financial and have fallen behind of which I plan to pay. My major complaint is they continuously call my work place which is not allowed even after I have explicitly ask them not to call over the phone on numerous occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. My coworker has also asked them to stop calling the office on the same days when they picked the calls. I have sent an email on XX/XX/19, and sent a formal complaint on XX/XX/19 to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
XXXX XXXX XXXX ( hereinafter referred to as " the merchant '' ) overcharged my credit card for airfare. I attempted to resolve the dispute with the merchant, however, they never contacted me or offered a refund. Therefore, I opened a dispute case with Barclays ( hereinafter referred to as " the bank '' ). I was notified by the bank that I had been issued a provisional credit for the amount discrepancy. When I arrived at the airport and attempted to check-in, I was told by the reservation desk representative, that my reservation had been voided/cancelled by the merchant due to the bank withdrawing the funds. My only option was to purchase a new set of tickets. The merchant and the bank had earlier told me that my reservation would not be jeopardized due to the dispute. I contacted the bank again and explained to them what had happened. I was instructed to send additional information in which I did. I was notified by the bank that I had been issued a provisional credit for the remainder of the amount for the cancelled reservation. Finally, I received notification from the band that the amount I had been credited was being re-applied to my account. I contacted the bank 's disputes department two more times and requested a manager call-back. I did not receive a call back but was told that I had exhausted my options withing the banking industry. 

Re : Barclays Dispute case # XXXX ; XXXX ; XXXX XXXX Re : XXXX Dispute case # XXXX ; XXXX In summary, I am being charged for an airline reservation that was cancelled by the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I started getting phone calls from the listed number to discuss my American Express credit card. I had previously had an American Express card, but the last payment on it was made back in XXXX and therefore, any alleged amounts owed have been time barred by the applicable statute of limitations and is no longer on my credit report. Today on XX/XX/XXXX, I spoke to them on the phone, and they repeated were attempting to get me to revalidate the old alleged debt by giving them a new due date. I told them that I had no idea what they were talking about and asked for them to send me the paperwork with respect to this debt. They then said they can open up a new card for me if I paid off the old debt in full. I again said that I was not going to pay anything until they send me the applicable paperwork. They responded by saying that they can only do that once I confirm a due date for this alleged debt, and repeated tried to get me to state a due date over the phone despite my unwillingness to. I immediately hung up the phone on them. Clearly, Am Ex is now trying to collect old debt that they can no longer legally collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am tired of the financial dance and impact to us concerning credit reporting. We have been warned that Equifax has been hacked, we KNOW they maintain off shore access and service and yet negatives are posted immediately and months go by before correction, if ever. To further harm us THIRD party submission are inaccurate and usually 30 or 40 point lower and all the while the dance their are different models. NO, they allow this misinformation to be used and their legal out the dance- they have no control and there are many methods all by opinion to encumber people and keep them indentured. Their legal ability to keep us in financial duress and your ineptness at protection pathetic. The path of resolution hard and practically non existent. Right now attempting a mortgage Equifax score substantially less than the others who also share in this fiasco and by opinion abuse. Yes and all LEGAL and that tells all " you shall know them by their works. '' Note THEIR WORKS! PS you no longer have them listed now doesn't that alone speak t who these people are and THEY control the lives and finances of billions and evidently now all over the globe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I. C. System, Inc. called a number, asked if I was XXXX XXXX. Asked if I receive mail at XXXX XXXX XXXX in XXXX CO, I said yes. I could be anyone. They read me a " mini-miranda '' and proceeded to reveal personal information about the debtor to the caller about my private and confidential business matter with XXXX. At no point during the call did I.C. System attempt to get me to identify myself with the last 4 of my social security number, my address etc. They only asked if I was " so-and-so '' and if my address was " so-and-so '' and proceeded to release my personal information to a random party. This is a vulgar violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: NE

Complaint narrative:
Two collections were owed and were being collected by XXXX XXXX XXXX   XXXX XXXX XXXX XXXX PA XXXX, ( XXXX ) XXXX, ext XXXX XXXX XXXX. The first collection was for {$960.00} and the second was {$650.00} both owed to XXXX Texas XXXX XXXX. XXXX XXXX XXXX was handling this collection for Pendrick Capital. An agreement was reached with XXXX Representative, XXXX XXXX for payment of 60 % of the debt in the amount of {$970.00} and it was agreed that it would be deleted from my credit report. The amount of {$970.00} was paid on XX/XX/2019. 

On XXXX XXXX, 2019 I received a collection notice from XXXX XXXX XXXX in XXXX IN in the amount of {$650.00} owed to XXXX TX XXXX XXXX. Again this collection agency was handling the collection for Pendrick Capital. This is the same debt that I already paid through XXXX XXXX. It is apparent that XXXX XXXX has a habit of these kinds of practices because they have many complaints through CFPB and through the XXXX for the same kind of stuff. 

Now XXXX XXXX is threatening my credit if this isnt paid and is causing me the burden of providing proof that this debt has been paid. When is someone going to stop these bottom feeders from doing this to people? To begin with I am a! 00 % service connected XXXX XXXX. My medical bills are paid by the VA at no cost to me. The original creditor just didnt want to do the work to collect from the VA so they wrote the debt off and the bottom feeders at Pendrick Capital picked it up to start their shady collection practices. I should have had to pay this debt at all but I wanted to maintain my credit so I nbegotiated a settlement I could live with. What I cant live with is Pendrick Capital continuing to try and get paid more than once for these debts and using multiple collection agencies to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I have applied for a mortgage modification because I have fallen behind on my payments due to my wife and I losing our jobs. I have since been able to make my payments but I can not catch them up. I can not afford payment arrangements because the mortgage servicer Mr. Cooper will not spread them out over a long enough period of time. 5 months ago I applied for the modification and provided all required documents at that time. The underwriter did not read all of the documents provided and requested the same documents over again with no explanation as to what was wrong with what was provided. In late XXXX I spoke to their customer service agent whom went over the documents I provided with me and stated all required documents where there. The underwriter reissued the same request for documents in XXXX. I called and spoke to the customer service representative again and they stated they saw that the documents were uploaded. Meanwhile I have been making monthly payments keeping the mortgage from going 90 days delinquent. This continued through XXXX when on the XXXX I went and uploaded all new documents for review and went over such documents with customer service. There has been no review of those documents and a month has now elapsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar has purchased our mortgage here in the XXXX of Florida. It is like pulling teeth to have our home repaired because they are either making us jump hoops to get the money or they are only issuing it to us in increments of {$10000.00}. Most contractors are having to have a percentage upfront and with them not releasing the funds provided to us by our homeowner 's insurance company we only have a fence back up and a roof that has been completed since Saturday XX/XX/19 that is only partially paid for. I understand they want to send over inspectors as they have interest in our property being the mortgage holder but they need to release more money at once. We are going to have to find a place to live for an estimated 8 months with children for interiors repairs. We can't even start those because we are still awaiting the money to be released for the roofing company before we can request more. Also we have to go through major paperwork as well as the contractors, then it goes under review for 5 business days, then they send it over to have the check cut for a portion of the work which takes 3 business days then they snail mail it to us which is another 3-5 business  days. This is the reason the people in the XXXX of Florida are having such a hard time rebuilding, because of mortgage companies such as this. We have done everything but the struggle becomes even harder with each repair we make. They are making it entirely too difficult to make repairs because by the time we are able to secure someone which like I said is hard to find they get tired of waiting and go to the next job. These people seriously need to release our funds in a timely manner and at a higher amount so we can have our repairs complete before yet ANOTHER hurricane season. I personally do not want to live in a camper trailer with my family during a hurricane. Flagstar Bank is nothing but a hassle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
Wrong Amount On My Credit Report They Got XXXX But Thats The Wrong Amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: AR

Complaint narrative:
WENT ON XXXX TODAY AND GOT AD FOR CONSUMER LOAN FROM ONE MAIN AD INSTALLMENT LOAN TO HELP WITH BILL CONSOLIDATION. THEIR AD ARE MISLEADING THE CONSUMER! ATTACHED SEE THE ATTACHED TRANSACTION START TO FINISH. ALSO, THEY ARE NOTORIUS FOR PULLING PROMO-INQUIRIES AFTER OPTED OUT, ONE MAIN IS VIOLATION ALL 50 STATE DECEPTIVE TRADE PRACTICES ACT AS WELL AS THE DODD FRANK WALL STREET REFORM & CONSUMER PROTECTION ACT. ( TITLE X ) AND NEED TO CHANGE THEIR BUSINESS MODEL AND INFORM CONSUMERS MIN SCORE AND THE FACT DO NOT DO BUSINESS IN ALL 50 STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 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: LA

Complaint narrative:
I have a large amount of credit accounts, 36 showing to be exact. I never view my credit on a regular bases. I found these account mixed in my credit report, once I took the time to study my credit by each line item. I have no knowledge of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
This complaint is about Wells Fargo handling of escrow accounts for property tax & home insurance. After many problems with my escrow account, I tried to have my escrow account cancelled, which would allow me to pay my own tax & insurance. I was told by the customer insurance representatives of Wells Fargo, that it is a requirement of the VA to maintain the escrow because I have a VA loan. I contacted the VA which told me this was not true. The VA stated they do not require property tax & insurance to be escrowed. I called Wells Fargo back, and when they tried to tell me the VA story again plus send false documentation for their claim, I stop them and told them I had been in contact with the VA. That's when the Wells Fargo representative changed the story and said you are right the VA don't require the escrow but it really XXXX XXXX who require the tax and insurance to be escrowed. They whished they could help but there was nothing they could do. They offered to send the documentation to support their claim again. I Then started a day long search to get a good number to XXXX XXXX and a contact person. It was hard but I finally found it. I spoke with XXXX XXXX contact person on mortgage loans. He informed me that It was not true, XXXX XXXX do not require escrow accounts for VA loans. he gave me the article which says they do not require escrowed accounts. Long story short I called Wells Fargo back with this information. This time they said I had to submit a written request and include the article which I did. This time Wells Fargo said, they will not cancel my escrow so I can pay my own taxes and insurance because THEY DON'T WANT TO. My question is why all the Misinformation & false documentation about the VA & XXXX XXXX to back up there untruth about escrow accounts. I still would like my escrow account cancelled so I can pay my taxes & insurance in a timely manner. I would Like other consumers to know NEVER escrow your taxes and Insurance in a home mortgage with WELLS FARGO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
The Wells Fargo debt is not my responsibility. Wells Fargo is not honoring a divorce decree which separated that debt from me to my now ex-wife. The decree was made by Judge XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XX/XX/2015. I supplied Wells Fargo with a copy of this decree. When I called them regarding this debt and asked why they still have me listed on this debt ( I wasnt notified of an appeal to the decree ), the conversation ended with sue us! I am a XXXX  XXXX  without resources to file a lawsuit against XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I received a notice from XXXX on XX/XX/XXXX indicating that I have an account in collections. When I checked my XXXX report, I saw an account in collection from Transworld System Inc/94 in the amount of {$230.00}. It says the recent balance was as of XX/XX/XXXX, and it said that it was opened in XX/XX/XXXX. The accouont number is XXXX. I never received a notice of this debt and was not given my right as a consumer to dispute this debt. It has now tarnished my credit. I want this removed from my credit report and I want a notice sent to me so that I can review the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
My lender penny mac failed to pay insurance from my inpound account .the insurance was then canceld .they told me they sent letters i do not recall seeing any or i would have responed .the lender placed there own insurance .califorina civil code 2954.1 states they have to pay insurance and taxes on time .the lender is now saying the inpound account is over drown by XXXX and i need to pay it back ... please any help would be great.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was issued a garnishment summons at old address ( XXXX XXXX XXXX XXXX, VA XXXX ) in XX/XX/XXXX. Garnishment hearing had occurred and garnishment was in place before i found summons. This was for collection of credit card debt with Capital One Bank.

The debt was six plus years old at time of garnishment with the last payment having been made in approximately XX/XX/XXXX. I have recently learned statute of limitations for open debt in state of Virginia is three years. This is a Virginia based company, as is the creditor 's attorney, and the process serving ageny employed by the creditor. All should have clear knowledge on statute of limitations within the state.

This garnishment is taking greater than 27 percent of my net pay, resulting in late payments and inability to pay my current debts, and has also forced me to take out a high interest rate personal loan to try and keep myself afloat. 

To date I have had over {$2500.00} withheld from my wages.

Company response to consumer: Closed with explanation