vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I am really upset that Honda reported me as being 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and then 90 days late in XX/XX/XXXX. I had a mortgage company pull my credit report and noticed that the erroneous delinquincy they are reporting is hurting my credit score by over 100 points. I have never had a late payment with any creditors in my life. But the fact that Honda is, I was denied. Now I did look at my credit report and see that they are reporting my high credit or limit at {$370.00} for this car which is not true so I did my investigation and saw that this is actually a violation of the Fair Credit Reporting Ac. Why is it that a company like this can hurt my credit when it was something that I paid? I never received proper notification or any phone calls that I owed this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: MS

Complaint narrative:
I have submitted several letters to Experian showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX and XXXX  have deleted this account off my credit report.

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 2019-03-20 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I recently, got an alert of a hard inquiry that I never authorized. 
1. ) Syncb/Walmrt PLCC XXXX XXXX XXXX/XXXX ( XX/XX/2019 ) I called Syncb/Walmrt PLCC corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that XXXX XXXX XXXX XXXX dont exist in their company. The representative informed me that XXXX XXXX was at fault for the miss information. I was advised to contact XXXX XXXX to sort out the miss information from their database. I emailed XXXX XXXX but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX   credit bureau, unless Syncb/Walmrt PLCC directly sends a dispute on my behave. I remind you Syncb/Walmrt PLCC doesnt have my information because I never applied and they dont provide XXXX XXXX XXXX XXXX because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank advertises on XXXX XXXX XXXX that one can open a checking and savings account online and receive a {$350.00} bonus. As the nearest Chase Bank location is a long way from my home, I tried several times to open an account online. 

I have had a Chase Bank credit card for over a decade, but am a new banking customer. 

The first time I tried to open an account, the web page asked if I'm an existing Chase customer. I clicked on 'yes ' and tried to log in but it did not recognize me as an existing customer. So I input all the required information and got a message " We were unable to open an account for you. '' I phoned Chase customer service and was told that my credit cad was in good standing, and they did not know why I couldn't open an account online. The rep suggested that I come into a branch, and I explained that there is no Chase bank a reasonable distance from my home. 

The second time I tried to open an account online, and when I input my information, the web site said some information was missing, but did not state what information. " It looks like you've missed some required information. Please try again. '' I had entered all the required information. 

Chase is engaging in false advertising by stating that it is possible to open an account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX today XX/XX/XXXX I received a notice via email as I am a member of XXXX XXXX that my credit score had dropped. I looked into it had gone down 72 points overnight. This is very upsetting and I researched further I have disputed a collection it was decided I am responsible it shows as a new collection and also I have an inquiry this is all. I called transition and the customer service rep I spoke to was less than helpful. I am beyond upset I'm working very hard to establish credit and 72 points is a huge hit. I called XXXX XXXX and hope they will help. but I am reaching out because I believe in helping myself. What can I do now?

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 2019-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
During The XXXX Mortgage nightmare,, I was approved for a Jumbo loan on this Property XXXX day of escrow ending All the banking institution were falling Bankrupt, My Lender decided that no more Jumbo Loans were available,, They insisted i needed a 2nd. for XXXX to finish my loan.. Being A XXXX from XXXX Just moving back to mainland, My sea Container was arriving at this address XXXX XXXX XXXX XXXX XXXX ca. XXXX,, My new XXXX and XXXX XXXX XXXX XXXX felt Critical to accept The 2nd terms with no Financing avalible XXXX /Bush couldn't get a loan, The banks seeking Gov. bail outs.. we ended with XXXX XXXX  XXXX who later went Bankrupt as we were paying the loan on time, later our loan was sold from one company to next.. with no contact information, till in XXXX XXXX XXXX purchaced 2nd mortgage on a BK SALE,, XXXX raised the cost n fees to XXXX on the 2nd and never would negotiate, then THEY TOOK MY HOME THROUGH A TRUST DEED SALE, KICKED ME OUT OF HOUSE, WHO IN TURN THEY NEVER PAID MY FIRST MORTGAGE OFF AND ARE STILL MAKING LATE PAYMENTS TO XXXX XXXXXXXX XXXXY,, 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 2019-03-20 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from SYNCBPAYPALEXTRASMC.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
For the Past 3 months XX/XX/2019, XX/XX/2019 and XX/XX/2019. My mortgage company " Ditech '' has failed to provide my with a PROMPT statement for my account. My bills are due the XX/XX/XXXX of the month and Ditech is not even generating a statement until after the XX/XX/XXXX of each month. This seems to be a violation of the Consumer Protection Act and the Periodic Statement Rule. I've reached out to Ditech about this matter each month and they still continue to delay my statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have been trying to transfer my American Express membership rewards to airlines for 2 weeks ( from XX/XX/11 ), but the system keeps showing " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I tried to security message customer support who wanted me to call their Membership Rewards team and the MR team said they can't do anything about that and won't tell me the reason why my account is under review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I just checked my score from XXXX XXXX, while I found out there're two hard inquires today XX/XX/2019, which I never initialed. I went through a crazy identity theft crime on XX/XX/2019, and that person hacked everything, and took all my personal information to call the banks. I believe these two reports from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Ditech Financial sold my loan to a new mortgage servicing company without providing me with any notice. I received notice of the change on XX/XX/XXXX. The change occurred on XX/XX/XXXX. I called the new mortgage company and they have no record of my account. I tried to call Ditech and waited on hold for 15-20 minutes and no one ever did come to the phone. Ditech is also holding over XXXX of my money and the insurance companies money and has not released it so I can pay the contractor as my home is repaired from the house fire that occurred in XX/XX/XXXX. Ditech is a terrible company and basically does whatever they please. I am in the process of paying off my home loan. I have to wait until the due date every month to make the loan payment or they will put the money directly towards principal even if I make multiple payments for the exact payment amount. Last month I paid over XXXX on the loan. I currently owe XXXX on my loan and Ditech acts like they have some major interest in my house. They don't. My home is worth XXXX and their share is XXXX. Ditech is a bunch of crooks and should be put out of business. They are currently filing for bankruptcy so it looks like they are headed that way.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover Student Loans was unable to offer me a further repayment option when payments were made on time without issue but my financial situation was explained at several occasions. I have remaining forbearance on the loan and was denied access to forbearance to allow me time to get back on my feet. As a result I seemed consolidation with another agency and during that time of the company completing pay off Discover reported me to the credit bureau that has now effected my credit score. My financial situation was well documented and Discover would not accept any documentation nor allow me to continue to the lower repayment plan until I could get stable financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX EDT, I received an email from XXXX XXXX   that implies that I am currently enrolled at the XXXX XXXX . I  graduated on XX/XX/XXXX and NSLDS accurately reflects my end of attendance as XX/XX/XXXX. I believe that I should not have received this letter from XXXX and that actions should not be taken on my loans. My loans should be treated the same as how XXXX treated them before XXXX transferred my loans to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have multiple multiple times contacted the listed below companies and filed disputes for this ongoing issue with the fraudulent charges reported to my credit upon which they fail to remove the items or provide any additional proof of anything legally required and validating it to my responsibility. I contacted XXXX, XXXX and XXXX. Here 's the issues that I have w these companies XXXX XXXX XXXX - Capital One XXXX Val {$620.00} XXXX XXXX XXXX CAPITAL ONE XXXX BAL {$430.00} XXXX XXXX XXXX BAL {$1400.00} XXXX XXXX XXXX  - XXXX XXXX BAL {$690.00} XXXX XXXX XXXX - CHARGED OFF AND REMOVED FROM CREDIT PER XXXX   AND XXXX {$0.00} BALANCE XXXX IS AGAIN PULLING ON MY CREDIT FROM THE ORIGINAL FRAUD ACCT ABOVE WITH XXXX XXXX XXXX {$690.00} XXXX XXXX IS FRAUDULENT ON MY REPORT AND DISPUTED BUT REFUSED TO DELETE AND UPDATE ALSO W BAL NOT GIVEN XXXX XXXX - 4X REPORTED IMMEDIATE FRAUD AND WON'T DELETE BALANCE {$200.00} SAME FRAUD ISSUES W  XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX AND BOTH CAPITAL ONE ACCTS OPENED ONLINE WITH NO IDENTITY VERIFICATION EITHER ON ANY OF THEIR PARTS OR SIGNATURE, PHYSICAL ID NOT OBTAINED OR ANYTHING. I WANT THIS MATTER ADDRESS ED AND IMMEDIATELY REMOVE THEM FROM ALL. MY CREDIT BEAURUS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
had decided to refinance my loans with XXXX in XXXX and began the process with contacting Firstmark and XXXX for payoff amounts. 
Firstmark on XX/XX/XXXX emailed me asking if I would like to use forbearance prior to the loans being paid off by XXXX. I immediately made contact and requested to use the forbearance for the months of XX/XX/XXXX and XX/XX/XXXX payments which would place my account up to date while XXXX completed the refinance. 

I was informed that I would receive an email with instructions for completing the forbearance request but that it was noted I was already pre-authorized. I waited 5 business days as they said it may take a few days before receiving the email before I contacted Firstmark again. They apologized and stated that they would send it out and make note on the account that I did not receive it and would submit it once received and completed. 

I received notification that I was reported 60 days past due to the Credit Bureau for non-payment and still had not received the documentation. In calling Firstmark to follow up and question the negative reporting I was informed that my loan was paid off by XXXX and they can not change their reporting. 

I have consistently made monthly payments without issue and during the time of the refinance stayed in constant communication with Firstmark and agreed to utilize the offered forbearance to avoid further past due days or to be delinquent. Now Firstmark is stating the loan is paid off and the reporting was completed ; I now have a negative report documented with no assistance or reversal by Firstmark when I have been told and offered 2 months of forbearance. I have documented and attached email correspondences and days and times of contact with First Mark. If I had known the forbearance was not an option I would of resume payments to avoid delinquent reporting. My contact with Firstmark representatives were always positive and helpful as they stated they would be sending the requested documentation along in which I still have not received but have received other correspondence from them by email and mail. When I called to question their processes I was told there was nothing they could do it was reported and you have to take that up with the credit bureau. The representative was short with me and dismissive of my questions and frustrations with not received the necessary documentation to finalize the forbearance. 

This negative reporting is unfair and honestly I feel lied to. XXXX has since paid off my loan and the dates will accurately match up to the dates of Firstmarks initial email and all following phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: IL

Complaint narrative:
I have called XXXX and Equifax at least a dozen times each in the last 24 hours, in an attempt to resolve a negative public record issue on my credit report. I have spent half of the time on an automated system, unable to reach a live human being. The other half was spent reaching a live human being, outsourced from XXXX. The customer service representatives were professional, but the language barrier made it impossible for us to communicate. I had often had extreme difficulty understanding the representatives broken English, and in like manner, the representatives did not understand my issue, nor my plea for a resolution. I was at one point instructed to " go to the courthouse ''. Needless to say, the federal courthouse advised that this was an issue outside of their wheelhouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I took out student loans totaling {$19000.00}. At the end of school in XXXX, I started paying on my 15 year loan. I paid for 7 years. When it came to my attention that the balance was not going down any longer ( around XXXX ), I contacted XXXX XXXX. I was told I had refinanced my loan into an Interest-Only Loan. I  DID NOT do that so I asked for paperwork to show me when I asked for this and show me my signature. It never arrived. I stopped paying on the loan until it could get this resolved. These communications went on over the years and the loan went into default in XXXX. In XXXX, it came to my attention that I had an entry on my credit report in the range of {$90000.00}. After going back and forth again, I finally made a Complaint with this agency, the CFPB ( I think around XXXX ). The entry was removed from my credit file. Later, I received more communication in the mail. I sent two certified packages ( with 32 or 33 pages  each ) to the address provided. When I followed up by phone, they would say they never received the package. Nothing became of it and I did not hear from them any longer. Now, they have send a Wage Garnishment to my employer. When I called my Payroll Dept, I was told this was from the Dept of Education. I asked for copies ( I will send to you ) and they are not the Dept of Education - they are a collection agent posing as the Dept of Education. It is a different collection agent than before. I did not have a student loan even close to {$90000.00}. Is a Collection Agent allowed to collect " late fees '' and garnish my wages? Are they allowed to pose as the Dept of Education when they are not? I can be reached at any time at XXXX. Thank you for your assistance in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Caller called and state who they are. They became threatening and telling me it was recorded etc. I asked who they are calling and for what and they still were very ignorant.

Company response to consumer: Closed with non-monetary relief