vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I paid the balance of this auto loan to {$0.00} on XX/XX/2020 using the Bank of Hawaii website by transferring {$10000.00} from my checking account to the loan account. The loan account now reflects a {$0.00} balance. Today ( XX/XX/2020 ), I called the Bank of Hawaii loan servicing department to clarify next steps on obtaining lien release, and they informed me that there is an interest balance due of {$5.00}. This is curious because the website is reporting a balance of {$0.00}. There is likely an error here with the Bank of Hawaii website that needs to be fixed. 

I am unable to pay this amount ( {$5.00} ) that Bank of Hawaii claims is due using the Bank of Hawaii website via transfer from my checking account, as I receive an obscure error message. Telephone customer service is unable to assist. I have been instructed to visit a Bank of Hawaii physical branch office for assistance. 

Due to the COVID-19 situation, I do not want to visit a physical Bank of Hawaii branch office and should not be required to do so. Now I am in a situation where this bank is putting my physical health in jeopardy because of their misleading, outdated, and error-ridden website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Whilst on vacation in XXXX XXXX in XX/XX/2020, I had dinner at a restaurant ( XXXX ) and the food I ordered was inedible and was sent back, yet the restaurant refused to resolve the issue so I filed a dispute with capital one. Initially they upheld the dispute however in late XXXX/early XXXX the charge was reapplied and I then got a letter from them saying the change was being denied and that if I wanted to reopen it I needed to send them a letter explaining why, which I did, however the charge is still on my account and I have not heard anything from them with regards to my letter. Furthermore, the proof of validity they sent me was completely illegible and did not prove the charge was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MS

Complaint narrative:
I borrowed XXXX dollars from the lender I was making my installment payments when I did fall behind on then I was laid off due to the Covid 19. They sent me an email on XX/XX/XXXX stating that they were offering 50 % off so I contacted them and I was informed that the offer was only good until XX/XX/XXXX which I didn't see that on the e mail. I did inform them that I was unemployment and I was only receiving unemployment. He offered me {$1200.00} to be paid within 60 days. I looked at the rate they were charging me which is 279.99 %.. Which I will attach a screenshot of my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MO

Complaint narrative:
The debt was original owed in XXXX. If this company was following the church status of limitation law the debt would be unable to be collected on as of this year however Enhanced recovery company has removed and put it back on my credit report several times as a new debt the most recent showing opened XX/XX/XXXX for a balance of over {$2800.00}. The originally balance was less than {$1500.00} on cell phone equipment and a bill. I have never recieved company showing valuation of the debt nor the difference of the increase of the debt they now at that i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Coradius International LLC
State: NJ

Complaint narrative:
My father received a call from American Coradius International ( ACI ) asking to speak to me. The representative from ACI told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!. 

Anyways, I called ACI and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, XXXX and ACI contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give ACI or XXXX the consent to contact any lawyer at this present time. Also, you will see in the letter that ACI insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Navient Solutions, LLC.
State: SD

Complaint narrative:
Navient reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My father received a call from XXXX XXXX XXXX ( XXXX  ) asking to speak to me. The representative from XXXX told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!.

Anyways, I called XXXX and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, Ally and XXXX contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give XXXX or ALLY the consent to contact any lawyer at this present time. Also, you will see in the letter that XXXX insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.

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 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm on a fixed income & my car insurance is caming out I dont have the money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

Transunion XX/XX/XXXX XXXX. XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX XX/XX/XXXX XXXX. XX/XX/XXXX Equifax. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date last active is inconsistent to my credit report. 
Im request the bureau to completely delete from my report. 

My life couldve been better without your mistakes. 

XXXX  XX/XX/XXXX Experian. XX/XX/XXXX XXXX. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
XXXX reports incorrect information to purposely bring down my credit score. They reported that they have increased a student loan from {$1000.00} to {$9000.00}. I am on an income based repay plan and they should not be increasing my students loans in huge incorrect amounts just because they feel like it. They are trying to make it so that you never pay the loans off by increasing to incorrect amounts to benefit others.. Also, the balance with XXXX XXXX XXXX has not been updated. The credit bureaus are not updating the balances on accounts unless the balance fraudulently increases. They are a participant in the evil doings.

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 2020-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: UT

Complaint narrative:
XX/XX/XXXX I filed a complaint with the Minnesota Attorney General about a fraudulent debt of {$4000.00} that Huntington National Bank of XXXX OH claims I owe from when they maliciously repossessed my vehicle XX/XX/XXXX. The Attorney General and I asked to see legal lawful proof of this debt from Huntington National Bank, copy of canceled check from the auto auction sale of this car? Account deposit proof from the deposit of check to Huntington National Bank? Hunting National Bank claim I owe them {$4000.00} but they just wrote that down on a piece of paper they mailed me last year. This amount is completely manufactured and false. Huntington National Bank lied to the Minnesota Attorney General and refused to provide any proof of this debt for nearly a year. I am filing a fraud complaint with my Police Department and submitting it to the credit bureaus to delete the fraudulent monthly reporting of Huntington Bank since XX/XX/XXXX and Block Huntington National Bank from my credit reports this month of XX/XX/XXXX. 
The Minnesota Attorney General should have prosecuted Huntington National Bank and imprisoned its officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received an invitation to apply for the Comenity Bank PlayStation Visa credit card. I have excellent credit ( XXXX credit score as reported by XXXX ). The application was approved, I received the card. I then activated and used the card for one purchase. Within 2 weeks, before my first payment even being due, I received a message from Comenity Bank stating that my account was closed due to an XXXX report and the " number of inquiries on your credit report ''. 

I contacted XXXX and asked about my credit report and the number of inquiries I had on it. They informed me the ONLY inquiry on my credit report in the past 2 years had been the 1 inquiry from Comenity Bank when I applied for the credit card from them. 

I then contacted the bank and asked them about this and they said they didn't need a reason to close my account. I then asked why they used the " number of inquiries '' reason in their written e-mail about them closing my account and they just repeated that they did not need a reason to close my account. 

So they have hurt my credit standing on two different fronts. One, they did inquire on my credit report, which I know too many inquiries is bad. Then they approved my application only to close it without reason. I'm sure that is not going to reflect well on my credit. Getting a new account that is closed in a matter of weeks of it being open by the credit card company. 

I am not sure what their gain is here. Why would they send an invitation for me to apply for their credit card, ask about my credit situation, approve my account, send me the card and let me activate and use it. Then they get a report stating that they did ask about my credit situation and close my account because THEY asked about my credit during the approval process? 

What I did notice was multiple posts on their XXXX account with other people saying they are lowering their credit limits and also closing their accounts for no reason and hurting their credit standings also. So why are they purposely trying to ruin people 's credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I asked if this would run a hard inquiry or soft inquiry. They told me it was soft, it was hard and my credit dropped. 

The store was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX has two collections on my credit report. I have submitted to complaints with XXXX who havent taken action to investigate beyond the company just replying its accurate. However, I have never dealt with this company. The credit report shows them as a debt buyer who acquired this debt from XXXX XXXX XXXX  XXXX XXXX. I have never dealt with XXXX XXXX XXXX. I have received no notification of this debt until its showed up on my credit report in collections. I dont know anything about LVNV. They may be a scam company that buys extremely old written off debts and then tries to collect by damaging the credit of people without their knowledge. I want this collection removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a {$4000.00} deposit to Chase to pay my bills. Chase decided to put that " on hold '' until XX/XX/XXXX, nearly 2 full weeks later. I called XXXX ( the sourcing institution ), and they said the transaction had " completely cleared '' by XX/XX/2010 full days before Chase will release my money. 

Chase has already charged me multiple {$34.00} fees, sometimes on the same transaction. I also was charged returned check fees from the bills that were supposed to be paid successfully. 

I've reached out to the company 3 times now asking for a way to resolve this, so that I am not racking up more and more fees, and they have not given me any path to resolution. Their only suggestion has been to set up a Chase savings account and throw even more money at them ( even though they *already* have {$4000.00} of my money that I can no longer get to, and have no reassurance that any other deposits will not likewise be frozen ). 

Chase currently can freeze transactions if they think they might be at risk of losing money due to fraud. However, they continue to charge consumers fees during this time period. 

This makes no sense as it's not to protect the consumer. No consumer is in danger of a rogue deposit, especially one they initiated. This is for Chase 's benefit, and Chase 's alone. Chase is charging the consumer for processes that they *choose* to perform to reduce their own risk costs. 

Even worse, this process is completely opaque to the consumer. Chase will not even tell me what caused it, referring to these matters as " confidential '' ( even though they involve a deposit from one of my accounts into another ). As such, is impossible for a consumer to prevent this from happening. 

Consumers are left in a state where their only choice is to constantly be carrying a significant extra balance in their accounts, as any deposit could be frozen at any time. I'm sure Chase loves this side effect ( as they reiterated several times how this was necessary to prevent it ), but that should not be a requirement for consumers to bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am a XXXX-year-old XXXX vet on a fixed income with serious XXXX XXXX, I also suffer from XXXX  and XXXX ( XXXX ). I went to XXXX in Late XXXX of 2019, I explained my condition to the clerk. 

The clerk was aware of my condition, was told that under no circumstances could my phone be disconnected it was part of my lifeline, she suggested that the account be placed on auto-pay which is the best means to ensure my account would be in great standing and no chance of being disconnected for non-payment. 

The following month I returned to the XXXX store and requested a tablet be added to my account, I was told an additional {$38.00} for activation was required, but first, payment was due. At that instant, I did both ; made a payment ( {$58.00} ) and paid for the tablet activation. 

Two days later my payment of {$58.00} was returned, not rejected and for the first time, my service was interrupted. I went, in person, back to the XXXX Store and voiced my concern. No one was able to explain what happened. 

The following month my service was interrupted a second time and my condition magnified a thousand. I was in panic mode. I no longer trusted this company to provide consistent uninterrupted service. I did not miss nor was I late paying them. The account was on auto-pay. 

I call management and got nowhere with them, I informed the representative that I had the right to break the contract due to a breach of trust. I was willing to pay for my devices on the payment plan that was agreed upon, but I could not continue to pay for a phone and data plan. It was not working for me and I was on a fixed income and could not pay for cellular two plans. 

I contracted XXXX XXXX with a similar plan and using auto-pay. I have had no issues. Since this time I have contacted the company several times concerning that issue and my willingness to pay on time for my devices as agreed on, still, I refused to pay for the data and service which they insisted upon. 

The balance was {$780.00} or so for the devices. I recently received notification by mail and phone from a collection company demanding {$1600.00} concerning this account, which I flat out refuse to pay due to my not owning this amount and secondly, after my willingness to pay for my devices on terms of the XXXX contract ; which was on a monthly basis, it was XXXX that failed to provide/render services for which I was paying, so, I was forced to secure what was needed for my peace of mind. 

What I asked from XXXX was reasonable. They were at fought.

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 2020-06-17 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update 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 explanation