vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-04 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: TX

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$440.00} XXXX XXXX {$17000.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$540.00} XXXX   XXXX {$700.00} XXXX  XXXX  XXXX {$100.00}

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 2020-08-04 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: MT

Complaint narrative:
I leased aXX/XX/XXXX XXXX in XX/XX/XXXX. I traded the XXXX in to a non-XXXX  dealer in XX/XX/XXXX because it had been in the shop for more than one month. I called Honda and got a 10 day payoff. The money was sent to Honda. Honda then added an improper {$350.00} turn in fee to my account afterward. I called my selling dealer ( Honda 's agent ) that did the paperwork, and they told me ( as they did when I originally entered into the lease ) that the fee was only appropriate when I turned the car back into a XXXX dealer to mitigate Honda 's  expenses in having to dispose of the car. I did not turn the car back in to a XXXX dealer and Honda bore no disposal expenses. I next called Honda Financial Services, which offers the most abysmal customer service and hold times of any company I have ever dealt with. They told me that the fee went to the dealer and the dealer could waive the fee at its discretion. They made me pay the {$350.00} fee, which I did. I next called the dealer and was told that they never get any turn in fee or {$350.00} back and they have no way to waive the fee in any way. I next asked Honda for arbitration and was told I had to contact the XXXX XXXX XXXX to initiate a case. I contacted the XXXX, and was told I am required to pay for the arbitration necessary to dispute the fee. Please assist me with this ... XXXX XXXX seriously is the worst company ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
on or around XX/XX/2020 i contacted Sequium asset solutions in an attempt to settle a debt owed to XXXX XXXX. The original debt claimed was {$500.00} ( which I dispute the amount owed ) After talking to a representative i was told they would settle for {$120.00}. I agreed to this settlement and paid it in full. Approximately a month later i noticed that this item was still reporting as collections for the same amount, so I disputed the transaction with the credit bureaus. The dispute comeback unchanged the collections where not closed and the amount owed continued to be {$500.00}. At this point i contacted the company again. I was then informed that the {$120.00} was not enough to settle the account. I then proceeded to ask why they hadn't even applied that towards the collections. The representative was vague and could not give me any answers. This company has made a false contract and collected funds towards the collection under false pretenses and as of XXXX they have not applied the amount toward the debt or refunded the amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not my account. Please provide the original instrument of indebtedness or remove. This account has all kinds of errors. How could you be late on account that is charge-off. There is no activity and last payments and history is inaccurate. In addition to that I do not recall this account, so please provide method of verification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRINITY HOPE ASSOCIATES
State: GA

Complaint narrative:
My daughter received a phone call from Trinity Hope Associates of XXXX North Carolina asking for me. I called the number that was given and was told that I owed {$54.00} for service at an XXXX XXXX XXXX in XXXX, Georgia. I have never visited and XXXX XXXX XXXX. However, my daughter has. While my daughter has been covered by my insurance she was of legal age when the debt was incurred was not my debt. I requested a copy of the debt from the company mailed to my address. This was done. This was the first written correspondence I received. This was mailed on XXXX. I was not advised of procedures to dispute the debt in this letter nor was I advised of the date of service for the debt. I was informed this was reported to my credit report even though the XXXX letter was the first notice I had of the debt. He claimed a notice was mailed on XXXX when in fact he was only given my address on XXXXA gentleman named XXXX told me numerous falsehoods during our conversation. In sum, I was charged for a debt I did not owe. I paid the debt to end the harassment and the fraud and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have requested a mortgage note online through loancare mortgages website. After not receiving the document for two weeks I spoke with a person who put the request in. After not receiving it for the second time I spoke with another representative who then told me that the request was never submitted. She put the request in and the very next day I received a policy rider as opposed to a Mortgage note. I spoke with a fourth representative today who told me it will take 30 days to obtain a mortgage note. I am in the process of refinancing and I believe they are Withholding this document and deliberately pushing back their turn around time because they are aware I am not refinancing with them.

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 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
The company ( LVNV/Resurgent ) accepted a financial settlement with XXXX XXXX XXXX on XX/XX/2020, but continue to report a negative credit balance to the credit agencies even though they have been receiving {$61.00} since XX/XX/2020. This is elderly abuse in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: AFNI INC.
State: CA

Complaint narrative:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Acknowledge Debt Resolutions
State: FL

Complaint narrative:
This company is calling people from my family and my ex-husbands new wife threatening they are going to file a judgment against them and myself if they don't cooperate. When I called them, they were very aggressive and disrespectful. I did use foul language when speaking to them out of anger, however I felt abused and threatened by them, they called me a child and that there was nothing I could do because the courts will take care of me and it will be ugly. They said " I'm sorry to have to do this to you in the middle of a pandemic, but we need to collect '' This is an old debt more than 5 years old that was less that {$500.00} dollars that I could not pay because of job loss, which since I have fixed my credit and have an account with the people they are claiming I owe and the account is active and in good standing. This debt they are trying to collect is not on my credit report at all. They are saying I owe {$1700.00} because of interest and fees ( original past due amount was {$500.00} for XXXX  work  I needed. This was a care credit account ). They would not give me the details on why the amount was so high and when I discussed how that could be lowered they said it could not be and they will seize my assets and my husbands assets. They will take me to court and will be reporting to the credit bureau. They said if I let them proceed with the judgment they will now be charging me in excess of {$6000.00} to {$7000.00}. They would not provide their full names or address to me so I could send a Debt validation letter. They kept putting me on hold every time I would try to speak. They would pass the phone back and forth between agents claiming to be the supervisor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
For 6 months both Jefferson Capital Systems and XXXX XXXX, have failed to verify reported debt to XXXX, in a breach to multiple articles from the FCRA, and the FDCPA. 

JCS who claimed the ownership from the reported account, and reported the account separately, took off such account from the XXXX Credit Report, but refused several times to do the same with the duplicate account. 

JCS accuses XXXX in several communications to the CFPB and the XXXX, of being the controllers for the alleged account, even when clearly the report shows the claimed ownership by JCS. 

This never verified debt, and this fraudulent tactics by JCS have been damaging my cost of funding and my credit worthiness. 

By this conduct I demand XXXX and JCS to remove that account from my XXXX Credit Report, which should have been done 5 months ago, as per FCRA and FDCPA. 

In addition I request CFPB to issue the proper sanctions to both, and to order economic compensation to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: The CMI Group, Inc.
State: CA

Complaint narrative:
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I was approved XX/XX/XXXX a new checking account. When I signed up for the account I sign up for one account instead I received three accounts : A " spend '' account, a " reserve '' account and a " growth '' account. What do those even mean? I've had checking accounts before and this is unique to PNC -- I didn't ask for a sign up for three accounts only one account from which to do my banking. because I had three accounts, I make an error and bill paid from the wrong account -- the reserve account. Because all of my funds were in the spend account and not the reserve account, I was charged a {$36.00} fee on XX/XX/XXXX, because there were no funds in the reserve account. Then, against my knowledge and against my wishes, PNC Bank via their bill pay service " XXXX '' trying to pay the bill again on XX/XX/XXXX, even though the payment was reversed XX/XX/XXXX, by the payee XXXX XXXX XXXX. because they were still no funds in the account I never wanted and don't know how to use, I'm going to be charged a second {$36.00} fee caused by the bank! I called the bank XX/XX/XXXX, reverse the first {$36.00} fee because of the screw III accounts that don't make sense and they declined. I called XXXX XXXX AVP branch manager on  XX/XX/XXXX, attempt to reverse the fee because of these weird three accounts and she was unable to reverse the fee. However this is when we discovered that PNC Bank was pulling funds from the reserve account again likely resulting in a new {$36.00} fee. I called PNC Representatives again at XXXX XXXX suggestion, to attempt to reverse the bill pay. The rep stated she could not reverse it and that I would need to call in again when the new fee hit my account to see IF it could be reversed. I'm unemployed and can not afford these fees. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and TransUnion, XXXX, and XXXX has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

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 2020-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc.
State: CA

Complaint narrative:
I have had my {$430.00} auto loan payment with car max finance for 2 and 1/2 years and up to XX/XX/2020 I have been current with my payment. Due to coronavirus impacts I have been unable to work and have depleted my savings paying rent buying food and making my car payment so I have {$0.00} money left and since XXXX have fallen behind on my rent and car payment. I reached out to car max asking for some help letting then know I was unable to make my XXXX payment due to work problems related to covid 19 and if there was anyway to get some help or delay my payment. I spoke with a representative in XXXX asking for help and letting them know my finances and I was told due to no form of income they would bot help me ... .which makes zero sense because if i was able to find work why would I need help putting off the paymet? The people who need help are the ones being effected by the coronavirus and have lost jobs or are unable to find work due to the shutdown of the economy! It makes no sense that I can not get help because I have {$0.00} income at the moment but for the last 2 1/2 years been current with my payments! I need help so my car that ive worked so hard to pay on the loan for the last 2 1/2 years dose not get taken back with only a year and a half left of payments till I own it. Its sad that Car Max Finance cares so little about their paying customers that they are unwilling to help put off payments in this troubled time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a credit dispute with Equifax in regard to a bankruptcy being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature and method of verification for this public record and all associated accounts or promptly delete. Equifax responded to my request. The response letter was dated XX/XX/2020. Equifax stated on page 1 the following, " We are unable to locate a credit file in our database with the identification information you provided, additional identification information required to process your request. '' I was able to get my credit file if they didn't have my information it doesn't make sense they sent me a whole credit report file. I know for sure that Equifax failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. I sent a letter to the US BANKRUPTCY COURT in XXXX, GA on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, a letter postmarked on XX/XX/2020. There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
I filed chapter XXXX bankruptcy on XX/XX/2019 and in XXXX I signed the reaffirmation papers with my attorney who provided them to M & T Bank. I was told by a bankruptcy specialist that once my reaffirmation papers were received that my account would be updated and my credit report will update showing my mortgage and the balance. My bankruptcy discharged in XXXX  and in XXXX   my mortgage account with M & T Bank was showing as active along with the balance I owed at the time. A couple days later my credit report was updated again stating paid in full. I called M & T and was told that it was an error and would be fixed. A month later in XXXX it was reporting an open mortgage again but has never reported the balance. Ive called several times since then and no one has helped me correct this. I was told I would get callbacks and no one ever called me.

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 2020-08-04 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: FL

Complaint narrative:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX Equifax, and XXXX  has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX XXXX and Experian has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.

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