vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-06 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: TX

Complaint narrative:
FORMER COMPLAINT - XXXX WAS NOT RESOLVED!! Honda Finance LIED TO THE CFPB!!!!! 

On XX/XX/2021 XXXX called me to " clarify '' the process - he realized, he was wrong in his understanding, and agreed that YES, indeed {$2500.00} that Honda Finance told XXXX was due was in fact NOT DUE. 

The account was marked TOTAL LOSS on XX/XX/2021 and I was provided an ACCURATE PAYOFF - NO FURTHER SALES TAX WAS PAYABLE as the LEASE no longer existed. 

XXXX told me he would FOLLOW UP - NO WORD - NO PHONE CALL - NO MAIL - NO MONEY!!!! 

During the XX/XX/XXXX telephone call that lasted over an hour, XXXX said the account was paid in full and closed, and said " IF WE RECEIVE AN ADDITIONAL PAYMENT WE WILL SEND YOU THE REFUND '' XXXX CONFIRMS, their check was issued on XX/XX/XXXX and it was CASHED by Honda Finance on XX/XX/XXXX. 

Honda Finance owes me {$2500.00} Calling Honda does ZERO GOOD - You call you sit on hold for nearly 2 hours, to be put on hold and passed around. They have the money, they have ZERO desire to pay any money back. 

The call with Honda on XX/XX/XXXX when TOTAL LOSS reported was RECORDED BY HONDA FINANCE - PULL THAT CALL - it will be heard clear as day what the pay off is. Further calls with Honda CLEARLY recorded as " sales tax of {$2500.00} '' not due. 

It is not nice to lie, and it is certainly NOT NICE, RIGHT or should it be allowed to LIE TO A GOVERNMENT FINANCE OVERSIGHT BOARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For the past few years I have been working on repairing my credit. I have sent three or four disputes to equifax in order to have these accounts removed for incorrect reporting of payment information and their inability to comply with the North carolins statute of limitations for debt which is now 3 year not the standard 7-10 years. Every dispute has been denied stating that the financer in reporting information correctly and that equifax is operating under all guidelines of the FCRA when they are not. I am trying to purchase a home soon and their negligence is hindering my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
On Monday XX/XX/XXXX, I tried to apply for a refinance with my current bank. Trying to get a hold of my bills and recover from the pandemic. When the bank ran my consumer credit report, I found out my score had fallen about a 100 points. I was taken aback, I immediately went on the credit reporting agency Experian dispute center. On XX/XX/XXXX, I contacted Experian and attempted to dispute the inaccuracies they were reporting. During the dispute, I explained to the agent that the account was closed in XXXX of XXXX with a {$0.00} balance. But Experian started reporting in a collection state in XX/XX/XXXX. I told the agent, for the past 10 years I have been paying my child support every month without any missed payments and I stayed in good standings. To the point that it was being taken out, by automatic withdrawal. 

On Wednesday XX/XX/XXXX, I received an email from Experian. In the dispute, it said the account was verified and it's right. I reached back out to Experian with evidence from the NY Child Support Enforcement showing when I started paying child support, until when they said my child support obligation ended. Even with the evidence, Experian is stating they still need to verify. Even though the evidences was provided they still wouldn't work for 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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/2021, National Recovery Agency removed 3 accounts from my XXXX and XXXX. They failed to removed account from my XXXX. After months of requesting validation, XX/XX/2021, XX/XX/2021, XX/XX/2021 & XX/XX/2021 I sent an affidavit of Truth! They were not able to provide such validation, Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g. 30 days is given to investigate or respond to said request for debt validation. I did not receive validation, but accounts were removed from XXXX and XXXX only, after several attempts of requesting.

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 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: CA

Complaint narrative:
I have written many letters to get this negative item disputed that I have no memory or getting. They have also inaccuracies and do not have my correct information so that is how I know it is fraudulent. I also retired contacting this creditor and told me that they have my date of birth as something and that is not my birthday nor me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/2021 I notified TRANSUNION by certified mail of the following accounts : 1. XXXX ACCT # XXXX 2. XXXX XXXX XXXX ACCT # XXXX Pursuant to 15 USC 1681b ( a ) ( 2 ) permissible purposes of the consumer reports in general - subject to the subsection of ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is public information and TRANSUNION has been negligent and continues to commit civil violations against me. TRANSUNION has been furnishing these accounts on my consumer report without having my DIRECT consent! This is completely identity theft! They continue to provide me with investigation results stating the account has been verified as accurate - but fail to provide any adequate documentary evidence of having my direct consent. I have called their customer line and fraud department on several occasions and they refuse to assist me with my issue. They state they have not received anything from me or they received insufficient information from me. I demand they be held accountable for their violations and demand monetary compensation! I demand that TRANSUNION delete these accounts immediately!

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 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I sent a debt verification letter on XXXX Certified Mail. I did not receive a response. This is my second attempt to contact and verify this debt both times have been ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX / XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire, and through an intermediary named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Chase Banks services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
In my previous complaint to Equifax # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Equifax applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Equifax or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have this house since XXXX and the total price was XXXX I have being paying all this years and my total today is XXXX and no one can why the price is going up instead of go down with me paying all this years A keep asking for some to investigate in the matter and no one since to be able to help me with this,, I would like for some make them explain and tell me where all this money is coming from.

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Global Lending Services LLC
State: NV

Complaint narrative:
In XXXX of 2020 I got laid off due to Covid I called and paid my car payment and I spoke to a representative about getting laid off. I asked if I could skip the month of XXXX due to the lay off. The representative said that she could move my XXXX payment amount to the end extending my term. I asked if it would effect my credit she stated it would not due to Covid. In XX/XX/2020 I made my normal payment before the due date and in XX/XX/2020 I paid double to try to make up for missing XXXX. Global lending marked me as 30 days late for the month of XXXX and XXXX. My payments are due on the XXXX of every month and I paid XXXX 's on the XXXX. So neither XXXX or XXXX should be 30 days late. I tried calling and explaining the situation and they are very rude. They stated they are a private company so it is under their discretion whether they follow the CARE act or not. They refused to let me talk to a manager and kept passing me around laughing at me and being very rude. I have the statements showing I paid XX/XX/XXXX and XXXX I paid double. I've disputed it multiple times and they keep denying it. It has greatly affected my credit and me buying a home. I do not believe what they are doing is fair. Especially considering they agreed to move my XXXX payment. But to also mark me late for XXXX when I have a statement showing I paid early in XXXX is absolutely terrible. I have tried everything and I am at a loss as to what I can do. Global Lending is absolutely ripping people off and ruining their lives. With these missed payments it has severely affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my Experian consumer report and it showed I had a bankruptcy on it. It showed US Bankruptcy Court TX, XXXX. I did not give any written consent to Experian to publish these. I know thats a violation of my consumer privacy. I sent Experian a certified letter on XXXX asking them to remove the bank bankruptcy. I sent a certified affidavit and another certified letter on XXXX showing Experian all the consumer rights that they have violated since I am a consumer.

1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681 ( a ) ( e ) Investigate Consumer Report 4. 15 usc 1681 ( a ) ( 1 ) Any person who willfully fails to comply

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 2021-10-07 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$670.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from SYNCB/PAYPAL. 
I tried speaking with PayPal but was ultimately disconnected. I called XXXX XXXX & the advised me to file this complaint. Please note this was unauthorized & fraudulent.

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 2021-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-07 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: NY

Complaint narrative:
I was alerted by a credit monitoring service of a hard inquiry made on my profile in an attempt to open a credit account on my name. Th inquiry was made on XX/XX/2021 from XXXX. 
I tried speaking with XXXX but was ultimately disconnected. I called trans union & the advised me to file this complaint. Please note this was unauthorized & fraudulent.

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 2021-10-07 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: PA

Complaint narrative:
In my previous complaint to Transunion # XXXX I submitted complete and accurate Identity Theft reports with fraudulent inquiries listed. Transunion applied a fraud alert on my credit report but did not remove the fraudulent inquiries from my credit report so that my credit file can report accurate information. If someone used my identity to attempt to gain credit then how could you possibly verify it with the creditor? They would have to produce my wet signature. I list several inquiries so what company needed authorization? It was never clear. I took the liberty of contacting these companies with the fraudulent inquiries listed and they all had no knowledge of Transunion or any other credit bureau contacting them. I keep getting automated responses. These fraudulent inquiries are damaging my credit file. It's your obligation to report complete and accurate information.

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a loan by LOBEL FINANCIAL opened up for a car by my roommate XXXX XXXX at the time. I had nothing to do with this car. Not the procurement not the purchase not ownership nothing. Some how I came to a debt collector and says i am a joint account holder. Not true. I have disputed this but to no Avail. I have tried contacting them XXXX XXXX also tried contacting them. All to no avail. It is hurting my credit score and I am trying to buy a home. I have never signed anything from this company never heard of them actually.

Company response to consumer: Closed with explanation