vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 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: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I leased a XXXX car from Hyundai Finance towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX  was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a XXXX XXXX by XXXX and also got XXXX  during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but Hyundai Finance company reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides Hyundai motor finance had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by Hyundai and the letter I sent them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit report shows a hard inquiry from XXXX XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Having to submit & resubmit documents to Pentagon Federal Credit union because of totally incompetent " Contracted-out '' loan processing personnel

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My original bill was {$2100.00}. I've paid my bill on time every month which brought my bill down to {$900.00}. I'm now being charged a {$740.00} interest, they said the promotional period ended. I spoke to a " supervisor '' XXXX ID # XXXX who was incompetent and didn't know how to deal with this. This company is a scam and need to be investigated.

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 monetary relief
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I took out a loan through Santander, USA for an auto loan on a 2017 XXXX XXXX, back on XXXX the same year. After almost 3 years of on-time payments, I have gotten behind due to COVID-19 and have been struggling to make ends meet financially as a result. 

As a result, Santander has been becoming increasingly aggressive in their attempts to contact me. Instead of calling or emailing me directly, they have been repeatedly calling 5-6x a day the single reference on my loan application. In addition to this, they have been harassing people unassociated to my loan or my application entirely, such as my father, step-father, mother and step-mother which I am pretty sure is Illegal? and thus I am contemplating taking further action in accordance with FDCPA violations if any are found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VT

Complaint narrative:
On XX/XX/15 I was traveling back to the XXXX from XXXX on XXXX XXXX. During flight two charges were made one in XXXX XXXX and one in XXXX. Given that XXXX is 2200KM away from XXXX, and I was flying north, it is physically impossible for me to have made the charges. The two charges equate to {$860.00}. My flight left from XXXX at XXXX and we were at the airport at approximately XXXX. The flight went from XXXX to XXXX. The charges took place at XXXX and XXXX on XX/XX/XXXX, while I was in flight. 

I immediately contacted USAA when I saw the charges and several days later received a notification that the charges were legitimate. Again, this physically impossible that I could have been 3 places at once. 

USAA is doing very little to work with me and see they will get back to me but, it will take up to five days. They are not allowing me to speak to senior mgmt or their fraud department. I have uploaded supporting documentation showing them I was in flight and they continue to fail to work with me. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: MO

Complaint narrative:
On XXXX I received a letter dated XXXX from American Coradius International LLC, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, NY XXXX, stating I owed XXXX XXXX/XXXX XXXX   {$110.00}. The letter also stated I must respond within 30 days to dispute the validity of this debt. Also, American Coradius International LLC is willing to accept {$52.00} to resolve the account. 

The wording sounded suspicious. Their willingness to take a reduced amount on the first contact from this company sounded suspicious. The fact that I do not recall having a balance with XXXX XXXX XXXX made me suspicious. I checked my account with XXXX XXXX  online and it shows a balance of {$0.00}. I called XXXX XXXX, and they were unable to find an account with my name or SSN on it, or even find an account with the number that was provided by the letter from American Coradius International LLC. 

I believe this is an attempt to swindle me. 

I do not want to contact this company because I believe they will not answer any questions unless I provide them with personal information that can be used illegally. 

contact information provided in the letter : American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX reference numberXXXX Amount owed : {$110.00} Resolution amount {$52.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This company is wanting to offer a finance on a car that I supposedly own. They started calling XX/XX/XXXX, twice again on XX/XX/XXXX, twice on XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, four times on XX/XX/XXXX, two times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, and again this morning, When I did answer the phone one time, I asked them to remove my name from their calling list. They wanted to know what my phone number was. Since they called me, I told them they already have my number and to please quit calling me to no avail as they keep calling me. I think 26 times is definitely harrassment. Please advise what further action I need to do to keep them from calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: OH

Complaint narrative:
5th attempt to correct thru you about Equifax who i contacted on 3 occasions before going thru you. let me say that when Equifax contacts me to inform me of there response im blocked from accessing there reports on there wensite and have yet to b able to access there answers 1st off 2 my credit report has not neen available nor updated since XX/XX/2019 but has been provided to creditors when ive requested for a loan on major purchase there providing information thats over a yr old and the information is not correct nor will or have they attempted to update it. please look into this or im filing suit. yove neglected my rights long enough. remove all neg info including all disputes ive had that you failed to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Vehicle loan or lease — Lease
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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
I applied for a payoff loan for my lease with Chase. I received very vague information from the CSR 's who handle calls on how to payoff my lease - a check with the account number and mail it to Chase. A second CSR told me to mail it to XXXX  - by that time it was too late - the Credit Union already mailed the check. 

A check was mailed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and cashed by Chase on XX/XX/XXXX. I called in several times that same week to confirm receipt of the check, but they never marked the account as paid. The CSR 's kept telling me to call back and check, that it should be resolved the next day or within a few days. By mid-XXXX, I requested a supervisor as I was told each time my payment was late or to wait for processing. I was assigned a supervisor named XXXX   who advised me to contact the credit union and get a copy of the check that was deposited and fax it to Chase. It was faxed on XX/XX/XXXX, they said they didn't receive it ; it was faxed two more times by myself and the credit union and they finally received a copy as of XX/XX/XXXX. Since then, there have been no updates and they keep telling me that they payment is being researched and they will follow up. I have called numerous times and get the same answer each time - at least 1-2 per week. I called yesterday, same answer with the additional information of they are aware that there are issues with the Payoff department and I'm not the only person who is experiencing this problem - as if that is supposed to make me feel better - I am only more concerned. 

In the interim, the credit union is asking for the title and I'm paying on the loan through them and Chase reported me to the credit bureaus for late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed FTC report which has been ignored by you. These accounts were. opened without my consent. Please remove and correct this information on my credit report immediately. 

XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX Inquires XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Tracking details to the second set of letters I send out Tracking Numbers : 1. XXXX 2. XXXX 3. 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 2020-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
My loan was transferred from XXXX XXXX to Shellpoint Mortgage. This transfer took place at approximately XX/XX/XXXX. My payment was made to XXXX XXXX  on XX/XX/XXXX. XXXX applied the escrow portion to my escrow account. They then transferred the XXXX XXXX XXXX  to Shell Point. I have provided multiple bank statements and previous mortgage statements showing this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit file is a disaster because someone has been misusing my information. The credit bureaus have not not been any help. I need these negative items and inquiries off my credit report so that I can obtain credit for my self.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX business was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I leased a XXXX car from XXXX XXXX towards the end of the XXXX, they took a one-month payment right away, we never received the paperwork in XXXX, XXXX to make the payment, also during the COVID time our XXXX XXXX XXXX was shutdown since second week of XXXX and then on XX/XX/XXXX, I had a newborn baby by XXXX and also got XXXX during the same time. I have been admitted in and out of the hospital all XXXX and till mid-XXXX, not trying to touch the mails as well due to XXXX. After that, I opened a mail received from them stating that I need to make a payment I am past due, I called and tried to find out if there is any help I could get, they agreed to give me further support for a month to month basis, not a stated by Governor of NY that for 3 months we would get support. I was fine with that also and I have made the payments somewhere in XXXX and now I am current I guess. All the other com [ anies I has loan or lease helped me and no credit reporting was done, but XXXX XXXX XXXX reported to the credit bureau for 60 days late for the month of XXXX and XXXX and this is affecting my credit and also looking at this my XXXX credit card has also tremendously decreased the limit. I tried to contact them, but they denied the request for removal from credit reporting on the letter that I had to send, for this purpose they no phone support, everything has to be mailed and waited for. 
Looking for help from as this time was tough and they should have helped, besides XXXX XXXX XXXX had made sure that I don't get help from any credit-related matters and during this pandemic time, I would need it. I have attached a copy of my credit report done by XXXX and the letter I sent them.

Company response to consumer: Closed with explanation