vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XX/XX/XXXX. I am writing in reference to an account being held by AFNI for XXXX XXXX. I asked PREVIOUSLY when XXXX XXXX held this account to be sent proof that this was MY account. XXXX ( on file with your company ) decided to STOP collections and send it back to XXXX, who then gave it to AFNI. I am still not for certain that this is MY legal account. I have not seen anything BUT billing statements, but NO letters with my signature, contracts with my signature. I ask that all COLLECTIONS be STOPPED on this account and that it be removed from my credit file if they are not able and willing to supply appropriate validation of the account. Validation is MORE than sending me a copy of a billing statement, I would like to know when this account was open, by whom, where? What documentation do you have for the account? 
Please send these requested items to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

My main request is to have PROOF and if validation can not be done THOROUGHLY and professionally with the appropriate documentation I want THIS ACCOUNT REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I have stage XXXX XXXX and have been trying to refinance my car with my credit union. My credit union requires a copy of the title so that they can confirm that no one else is on the car title. Westlake has been refusing to provide the information to my credit union. Westlake said they require the request come directly from my credit union and not myself. When my credit union requested the information, Westlake said they would provide it in a couple of days. The required documentation never showed up. Now Westlake says they will not provide the information needed to refinance my vehicle as i battle this XXXX and can no longer work. It has now been over 30 days and my refinancing attempt must start all over again, which means running my credit again. This is grossly effecting my fiances and my credit reporting since i now have multiple inquiries that should not be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 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: IL

Complaint narrative:
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX  XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks

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 2018-10-01 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: IL

Complaint narrative:
It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies Leasingdesk Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks

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 2018-10-01 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I am writing to let you know that on XX/XX/XXXX /, I bought in XXXX XXXX XXXX, this vehicle is identified with the VIN : XXXX. I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Unfortunately, I have been having problems with the account due to the treatment given to the payments made and the way in which my account is managed by financial department. 
I asked to them to proceed to eliminate the notifications of late payments of my credit report for the months of XXXX, XXXX and XX/XX/XXXX because I have kept making weekly payments and I have never stopped making them and they reported to credit boreau without consider my explanation and notification to the company. 
You can see in the attached monthly report the status of my account. These notifications to the credit companies have negatively affected my credit scort in a significant way. 
I want to express to you that I have never refused to make payments or answer the received calls and I have explained the notification in my account that in these months my mother in XXXX has been under medical treatment and this has affected my personal budget. 
Attached copy of my account statement that checks the status of my account for today 's date. Additionally, I ask to them to extend the payment for the months of XXXX and XXXX and they refused to approve both month and I need to adjust my income to continue to cover my commitment of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/18 I've noticed a wrong transaction to my checking account at Chase Bank. 
I called them right away asking them not to pay for it cause I did not recognize it. The customer service I spoke with told me that they will investigate the matter as soon as possible then reimburse to me my money. After three day they posted my {$730.00} back I taught everything was ok till we were under Hurricanes warning XXXX rushed to go put gas in to my family cars then realized my account was overdraft. I was trapped with my kids without foods for the whole hurricanes time until my younger brother XXXX borrow to me {$500.00}. When I went back to them they told me the merchant state that I was their customer and the paid them their money. They wired that money to someone in California from a XXXX XXXX branch to someone name XXXX XXXX account. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
I have been receiving repeated phone calls from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX in an attempt to collect a debt owed to XXXX XXXX in XXXX, Washington. 

At least 3 times, I have been contacted by and them and explained to them that they are contacting the wrong individual, who apparently has the same name as I do. I have given them the last four of my ss # and, after doing so, they realize that they have the wrong individual, apologize for contacting me and say that they will update their records. 

Today I received yet another call from XXXX XXXX from the same institution. I was incredulous that they have yet to correct their records from the multiple times that I have requested them to do so. 

XXXX XXXX was very condescending, accused me of trying to not pay a debt that I clearly owned, and was in general very unprofessional. As she continued to provoke me, it became very clear that not only was she refusing to listen to my explanation but was set on continuing to speak to me in an accusatory manner.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: CT

Complaint narrative:
N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD Asta- {$760.00} XXXX XXXX XXXX - {$230.00} In reference to the accounts ; the contract is cancelled, the dates reported are in correct. These accounts are 7- 8 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018 my savings and checking accounts were hacked and 2 unauthorized money wire transactions for {$17000.00} and {$3000.00} were made to XXXX XXXX  in NJ. 
Since then i was not able to get my money back. I've been talking to many people from Wire Dept. and now dealing with Citiban

k Fraud Department. First time i spoke with investigator was only last week. No one since the day one was able to explain to me how these transactions happen and why i did not receive any notifications through email, phone, etc. Why no security questions were asked? The only reason why Citibank Fraud Department is trying to deny my claim is that according to them i " allowed '' or even " authorized '' someone to access my IP.

Customers could take from ATM no more than {$1000.00} per 24 hours. At the same time criminals emptied my both accounts for the amount of {$20000.00} within 20 minutes.

It's something we should not tolerate. I am sure i am not the only victim of Internet crime. 
My case clearly shows that Citibank has very serious security problems. 
I am in the XXXX XXXX XXXX  and spoke to many people who also got robbed but their banks issued a complete refunds and they are really surprised how Citibank handles this case. 
I have XXXX kids and for over a month can not receive my money back. I need to pay my bills and have no time to wait any longer. 
Please take all appropriate measures to protect our banks customers. 
Documents related to this case are attached here. 
Thank you.

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 2018-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: CT

Complaint narrative:
I had tried to modify back in 2016. I had utilized a company at that time who was assisting with the process XXXX XXXX XXXX XXXX XXXX ). It turned out an offer was made then which the company I was dealing with never made me aware of. The woman I was working with XXXX XXXX had left the company. When I questioned the bank what phone number they contacted regarding the verbal notification about the trial modification. I was informed they contact XXXX This is not my number. 
They did not contact me directly nor did I receive the document to my home. 
I never expected to be in this position. I lost my son and my mom very close in time between them. I work very hard and several jobs and had they offered me the same offer of {$2100.00} I would have been happy to accept this now and previously. 
Because of this unfortunate error with regards to not being informed by the party who handled this for me, they now refuse to offer me anything at all. I am currently in foreclosure and close to a sale date. I am at the end of my Law dates provided by the court. You are my last hope. I just want an opportunity to retain my home and prove my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
I have a loan with XXXX XXXX located in XXXX, AZ. I filed bankruptcy and did NOT include them in the bankruptcy and have continued to make my payments on time. I noticed when I ran my credit report a few months ago, they removed the account from the report so it does not show I have a loan with them. I called them and they refused to rectify or explain after 3 calls and a complaint with the XXXX. All they told me was if someone files bankruptcy it is their policy to remove the account from the credit bureaus. They said they would " investigate '' and that it could take months, but then called me the next day and said there was nothing they could do. I have an open account with them and I need the payments to be reflected on my credit report which impacts my credit score.

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 2018-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received an alert email from XXXX XXXX advising me that there was a change to my Transunion credit report and a credit inquiry was sent by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX bank and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call Transunion. I called Transunion and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit 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 2018-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: VA

Complaint narrative:
A XXXX account was opened in XXXX using a previous last name of XXXX. I've shown XXXX my social security card with my current name issued before the XXXX account was opened, and my State Drivers License with my legal name on it. I had no knowledge of the account until I received a notice to appear in court from their law firm. I go to court XXXX XXXX, XXXX. 

I believe this is a theft case that someone stole my identity using my old name but same social security number ; it's not only XXXX, it's a few other accounts that were also opened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a checking account with Bank of America but am told I need a Social Security Code to obtain same, am also being asked to pay {$28000.00} for the privilege!! 
Is this just another Scam? 
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 2018-10-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX -XXXX XXXX -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 non-monetary relief
Consumer complaint received 2018-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt recovery solutions has recently purchased a debt. They are reporting this account ( Account # XXXX ) to my credit bureau erroneously. I have requested documents to verify the original date of delinquency, and have yet to receive them. The date of delinquency that this company is reporting is incorrect. Which provides evidence that they are in violation of the FCRA. Reporting and renewing the effective date. Also, I never received any type of notification in writing prior to this account being reported to the credit bureau. I demand that they have this account deleted from my credit report immediately. If this matter isn't resolved in a rapid manner then you will leave me no choice but to contact my legal counsel in this matter. I want to resolve this matter amicably. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This contract was cancelled and the car was paid off based on the XXXX rate. They received XXXX.This is being reported as a loss. This was not a loss and they're trying to get paid twice for a car that that has been sold. Attached are the last payment paid, before the car was sold.

Company response to consumer: Closed with explanation