vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX  ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXX XXXX  XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and XXXX  both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: MI

Complaint narrative:
After being denied for a credit card, I accessed a copy of my credit report, and found accounts reporting on my credit report in my name that I did not open or authorize ( XXXX  XXXX {$460.00}, IN FRAUDULENT CHARGES, XXXX XXXX XXXX  {$1900.00} IN FRAUDULENT CHARGES ). After contacting local authorities I was told that Due to the covid-19 I was not able to physically go to my local police station to file a report, but was told to file a police report online, and I would receive a police report number., And was also told to make an identity theft report with the FTC and send the documents to the 3 major credit bureaus and to each creditor. Transunion has not investigated nor responded to any of these fraudulent claims. I have included a copy of my FTC report, to support my claims of identity theft, I XXXX XXXX XXXX XXXX  XXXX, also have included a photo copy of my Michigan state identification, and social security card so Transunion can successfully identify me and not close this claim because of identity reasons. This complain was sent and is authorized by me XXXX XXXX XXXX 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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at WELLS FARGO yesterday XX/XX/26. they stated that XXXX HAS TO GIVE WELLS FARGO written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a XXXX XXXX Her and I and Wells fargo were on the phone yesterday. The funds ARE sitting at XXXX XXXX to return to Wells Fargo when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But Wells fargo will not call XXXX XXXX because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a Wells Fargo account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from Wells Fargo calls them and Wells Fargo will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except 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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
In XX/XX/XXXX my daughter XXXX XXXX and I entered into a lease with Honda Financial Services a/k/a American Honda Finance ( " Honda '' ). My daughter XXXX XXXX took responsibility to send in the payments for the lease each month. The account fell into arrears since my daughter failed to pay the lease payments for XX/XX/XXXX and XX/XX/XXXX. Honda did not call me to tell me that payment was not received, Honda did not write to me to tell me that payment was not received and Honda repossessed the car before the XX/XX/XXXX lease payment was even due. 
Prior to the repossession, I am told by my daughter XXXX XXXX that she called Honda to ask for a little more time due to the financial difficulties of the pandemic and Honda agreed to allow for a bit more time. However, no one at Honda asked me for payment or gave me the opportunity to cure the default.

Upon repossession of the vehicle, I immediately called Honda and tried to pay the 2 missing payments, repossession fees and XXXX lease payment but was told that there was no way to pay and have the vehicle returned. 
My daughter XXXX detrimentally relied on Honda 's representation to her ( that Honda would extend more time before repossessing ) and as a result, she did not come to me for financial assistance.

Now Honda is demanding the entire amount due under the lease agreement and refuse to return the car for any amount less than over {$31000.00}. I was never provided with a notice of default. The letters are addressed only to my daughter XXXX until yesterday when I finally received a copy of the same " Notice of Intent to Sell Leased Vehicle '' that was mailed to my daughter XXXX dated XX/XX/XXXX. CFPB can see my financial obligation on my XXXX XXXX report but not on the Honda letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL XXXX  is reporting inaccurate payment history across CA 's, please Delete accounts per the Fair Credit Act.

There are 5 accounts with the same number : 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 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that XXXX  HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a school XXXX Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX  will not call XXXX XXXX  because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except 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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I put a credit freeze with all the credit bureaus due to a an identity theft incident. About a month later I lift the freeze from XXXX  and XXXX. But until now I wasn't able to take off the lift from Experian. I tried online and they didn't let me, so I send them a mail with everything they requested and still they didn't lift it. There is no way to speak with a live person there, and they don't give any indication or explanation for why they don't take off the lift. In the meantime because of this freeze I can't get order a new credit card and can't do anything else that require a credit report, like buying a house, which I started the process to.

Thanks for your help.

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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C

Complaint narrative:
Stenger & Stenger failed to realize that this " judgment '' is not on XXXX XXXX 'XXXX  credit reports as a judgment, nor is there anything on his credit report for XXXX XXXX from XXXX. Also, Stenger & Stenger DID NOT allot Mr. XXXX his day in court to dispute anything regarding this TIME-BARRED debt. The ORIGNIAL supposed legitimate judgment was put forth on XX/XX/XXXX vis a Civil Summon that WAS never served to Mr. XXXX by 1st debt collection Attorney XXXX XXXX XXXX, nor was Mr. XXXX ever served when the 2nd debt collection Attorney XXXX XXXX XXXX. XXXX  tried to pursue this same so call judgment back in XX/XX/XXXX. And, NOW Stenger & Stenger are the 3rd debt collector Attorney to try and collect on this " said '' judgment that from Day 1 has never been handled, nor served proper that Mr. XXXX was able to go into the Court and dispute this so called Judgment. Stenger & Stenger, again is trying to collect on a time-barred debt & a Judgment that show nothing on Mr. XXXX 'XXXX  3 credit reports. There is ABSOLUTLY NO PROOF OF THIS DEBT under any of the Consumer Fair Debt Collection. Stenger & Stenger is try to extort money for a bad debt the chose to purchase from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On or about XX/XX/20 the consumer submitted to the creditor a notice of billing error, pursuant to and in compliance with 15 U.S.C. 1666 and 12 C.F.R. 226.13.

The creditor and Experian failed to send a written acknowledgement of the consumers billing error notice dated on or about XX/XX/20 within 30 days after receipt of such notice, as required by 15 U.S.C. 1666 ( a ) The creditor and Experian both failed to make any appropriate corrections to the account of the obligor as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to send a written explanation or clarification of the reasons why the account of the consumer was correctly shown on said statement error within two complete billing cycles of the consumer after receipt of billing error notice sent XX/XX/20, as required by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( ii ).

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 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX  ( Report # XXXX ) RE : JPMCB Card # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information. 

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to 680.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I have mande several payment to the principal as the website states in order to bring it down to 78 % loan to value. I have sent emails looking for advice on the amount o payment I need o make to the principal to remove PMI without success

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 2020-10-27 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: GA

Complaint narrative:
XXXX is reporting inaccurate payment history, across XXXX, XXXX  and TransUnion, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.

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 2020-10-27 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: GA

Complaint narrative:
XXXX is reporting inaccurate payment history, across XXXX, Equifax and XXXX, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2020 I received a prepaid debit Visa debit card from US Bank. It was postmarked XX/XX/2020 from ZIP XXXX. It appears it may be for the Ohio Unemployment Insurance Program. I do not live in Ohio. I have never lived in Ohio. I have never applied for unemployment benefits from ANY state. ( A couple of months ago I received a similar card from XXXX XXXX XXXX for unsolicited Arizona benefits. ) I do not know the amount on the card. I have not activated it. I tried calling US Bank but was on hold for 20 minutes with no end in sight. I am using a lot of my employer 's time trying to return/stop unemployment payouts.

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
My bank put in a dispute for the wrong charge. My bank closed the dispute. XXXX was taken from the merchants account and never refunded to me. Its been over 90 days and neither the merchant nor myself has the XXXX. Ive contacted my bank several times and emailed cash app several times. Cash app has only sent me generic messages and NO ONE has investigated this or provided any answers. Cash app still has the funds and has yet to release it back to me or the merchant. See dates below Initial dispute placed on the wrong transaction by XXXX  XXXX XXXX XX/XX/2020 Transaction has been disputed with the merchants bank - XX/XX/2020 Claim has been withdrawn by me - XX/XX/2020 Money taken out the merchant account by cash app XX/XX/2020 Contacted XXXX XXXX XXXX who indicated they never received the money and don't have. Emailed Cash App Support XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 My bank has indicated they've sent cash app several communications indicating to release the funds back to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: AR

Complaint narrative:
I do not have a checking account. However because of XXXX I cant make any finance transactions at XXXX. Such as pick up money send money or cash a simple money order. Why is this happening when I never cash checks. My own father sent me a money order because XXXX wouldn't let me use money gram but when I try to cash this money order they refused to complete this transaction. They said XXXX declined my transaction and it is a permenant decision. But they are unable to tell me why XXXX made this decision about me. I need this correction on my name its degrading because I am not a criminal. I feel very violated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX and the primary person who responsible for this loan has died. 
I contacted with XXXX XXXX XXXX and they say this account has been closed and there is no balance.

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