vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days. 

I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior. 

I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I applied for he XXXX Visa Credit Card because it advertised a {$200.00} credit towards your fist purchase of a ticket as well as XXXX points after spending {$1000.00} in the first 3 months. I was in process of booking a flight when I saw the promo and so applied for the credit card and was approved. I used the credit card immediately for a ticket that day but didn't receive a {$200.00} credit towards the ticket as advertised/ Afterwards I found out they wouldn't give it to until after 90 days and would be a statement credit. I paid towards the ticket, of course received finance charges waiting for the credit. Which is deceiving customers. in addition, I spent the {$1000.00} quite quickly and well before the 3 months was up and yet to have received the XXXX in points that was advertised. When I called they stated I would get it next billing statement and then the next time told me XX/XX/XXXX, I still didn't receive and now when I call them, they tell me that I am not going to get it at all now stating that it is either {$200.00} credit or points not both but this was not what was advertised, FALSE ADVERTISING and clearly XXXX is worth much more than {$200.00} and the promo was for both. This bank needs to be investigated for FRAUD. They trick you into applying and then don't give you what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Both XXXX XXXX XXXX and Navient are reporting student loans as being past due on my credit report and they have remained inactive for over 7 years. The state of Ohio prohibits reporting on credit report on debt that is over 6 years of age ... These accounts are in a defaulted status. It has prevented me from buying a house and has caused serious financial stress and issues ... When I asked how they can still be reporting this very old debt their answer was to report them to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: SC

Complaint narrative:
I did the most foolish thing ever and borrowed {$300.00} from " MyPayDayLoan.com ''. I paid {$90.00} by an electronic debit from my checking account. I had really bad vibes about this company so revoked that authority. I have tried to reach a resolution for the balance of {$210.00} but this " company '' simply threatens me repeatedly. I asked for a mailing address to send payment which they REFUSE to provide. The threats continue daily. I want to pay this back on terms which are fair. This company is predatory and threatening. I need help. Please help. I will pay {$25.00} every two weeks beginning XX/XX/XXXX. I am NOT at all comfortable providing them with my debit card which they are DEMANDING. I need assistance securing a mailing address and stopping the threats. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has failed to provide copies of ( 2 ) original documents ( a consumer contract with my signature ) according to the law, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) from XXXX XXXX XXXX after numerous written requests and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: TX

Complaint narrative:
I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TRANSUNION XXXX-Inquiry : XX/XX/XXXX XXXX   XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXInquiry :  XXXX XXXX, XXXX XXXX XXXX  DBA XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : 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 explanation
Consumer complaint received 2018-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored 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 2018-12-27 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: WI

Complaint narrative:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX  XXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent certified letters to all three credit bureaus requesting an investigation and deletion of the XXXX XXXX XXXXXXXX from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored 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 non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: AL

Complaint narrative:
I am a resident of the state of Alabama. When the hurricane hit my state, I along with my husband experienced severe losses that will take time to recapture from insurance and hurricane relief. We can not make mortgage payments on one of our properties until it is 100 % repaired and livable. 
Therefore, we with to make our bank aware of this situation, and for them to send to our home by mail, as well as to our email address a complete modification package. Me and my husband should have our affairs in order no later than XX/XX/2019. There may be additional relief from the Government, that will take time.

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 2018-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX . 
XXXX, Fl. XXXX This complaint is follow up on complaint # XXXX XXXX  XXXX XXXX I received a Notice to Foreclosure from the company XXXX sold my account ( Carrington Mortgage Services LL. XXXX XXXX XXXX, XXXX, IN XXXX demanding $ XXXXfor none payment of mortgage from XX/XX/XXXX- XX/XX/2018. I received a letter XX/XX/2018 stating my mortgage was sent to the carrington company and to make mortgage payment to them starting XX/XX/2018. XX/XX/2018 l sent a certified check in the amount of {$1100.00} to carrington company and the check was returned with a letter stating l owed them {$7000.00}. i CALLED THE COMPANY AND THEY STATED NO MORTGAGE PAYMENTS WERE PAIR TO XXXX from XX/XX/XXXX-XX/XX/2018. I explained to them that l paid the mortgage during that time in person to the regency XXXX, in XXXX, Fl. I have been trying to contact the mortgage dept of XXXX to know avail. The money seems to have been stolen from my account. I ask for a copy of my payment account and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX ( XXXX ) XXXX This number I dial for my annual credit report automatic hard copy of my report, XXXX was the only one that honored my request, I was given online access to my report from XXXX and exquafax that I did not request nor do I want. I called XXXX and they are honoring my request for hard copy and are, I was told investigating why my hard copy request was not honored. Now exquafax is refusing to give me my hard copy of my credit report yet they gave me access via the internet. Due to exquafax being hacked I do not want internet access I want a hard copy, in order for me to get the hard copy they are asking me illegal questions that are not required for me to obtain what is already mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I did online school at XXXX university after graduating can not find a job in the same field opened up my student loans in XX/XX/XXXX I was not making payments on my student loans because I was always in forbearance they cant sleep report 30 60 even 180 days past due I have never been late I have never started making payments till XXXX and Ive been current cents but stated on my credit report one month I will be current the next month Ill be 30 days past due then Ill be current again and then two months later Ill be 60 days past due then 120 days past due then 180 days past due this is all false information reported to the credit bureau There in the forbearance I followed all the guidelines that you were supposed to follow Ive called them several times for them to fix my credit report and all I get from them is excuses of why that its on their excuses they give me or incorrect and dont understand if youre not paying anything due to being in forbearance how that you can be late Ive been working with them for years trying to get this fixed please help thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It's simply a scam as they pretend to comply with Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I have talked with XXXX XXXX  for 3 months in regards to my payment plan selection and forbraence. One XX/XX/XXXX I made a {$5.00} payment to start processing my loan repayment I was to have my forbearance until XX/XX/XXXX.Today XX/XX/XXXX I received a text saying I was delinquent.1. My payment plan has not been processed. I have not received notification of that ( XX/XX/XXXX has stated that they did not send it to my paperless inbox but via mail- I opted to the paperless inbox ). 2. My forbearance was supposed to be until XX/XX/XXXX (XX/XX/XXXX stated they dont know why the forbarence lapsed for 10 days- they claim they were they were going to correct that ) I called multiple times about the bill I received on the XXXX, but every person I spoke with said that bill was created to begin processing my payment plan request. By using deduction 1. My payment plan request was supposed to automatically put my payment in forbarence 2. The lapse in 10 days was never noted to me.3. No one can tell me what happened. I want answers and I was given none. 4. I dont want my credit impacted by their error.

I pay all of my bills on time and I trust, the American people trusted XXXX XXXX XXXX to ensure that payments and request are processed in decency and order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Back in XXXX of 2017 I was in an auto accident and went to The ER and recieved a bill for XXXX Dollars. This was paid back in XXXX, to this date Online service in XXXX says they have removed this from my reports nor has the balance showed XXXX when it has been paid. I feel this should be removed as it was not my fault and was delayed by the insurance company being paid. No one seems to help me. I have talked to several people today I have talked to a lady by the name of XXXX. She said it was paid and she sees where it has been removed but it is still on there. XXXX filed a dispute on my behalf and Online services reported that it was legit and should stay on my report. Online services XXXX XXXX XXXX XXXX NC XXXX. Telephone # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I paid {$120.00} and the week prior I paid {$110.00}, totaling {$230.00}. I was supposed to pay {$210.00} on XX/XX/XXXX after my car was repossessed on XX/XX/XXXX. I paid them {$640.00} on XX/XX/XXXX and claimed the car from the repo agent on XX/XX/XXXX. XX/XX/XXXX while XXXX, a rider attacked me and XXXX put my Driver app on hold prohibiting my from making money in order to pay my bills. I spoke to XXXX at Credit Acceptance and she told me to pay {$290.00} by the XXXX and call back to make new arrangements. When I called today, XX/XX/XXXX a guy named XXXX said I needed to pay {$370.00} or my car would be disabled by tomorrow, Fri XX/XX/XXXX. I told him about my dispute with XXXX  over my account being reported as " closed '' when in fact I just made 3 payments over the last 45 or so days and still had the car. He insisted my car would be disabled and offered no further help. I called back and asked for a Supervisor and a guy named XXXX took the call. He listened as I explained my situation and told him I was hired by a new employer and could begin making full payments once I was on payroll in XX/XX/XXXX. I also stated I wanted to make small payments from my XXXX earning since my app was back on. He then told me that " I hear you, but there's nothing I can do but notate your intentions. If {$370.00} isn't paid by tomorrow, your car could be disabled. '' Which is it, {$370.00} or {$370.00}? When Credit Acceptance reps don't threaten to disable the car in an attempt to force struggling customers to make larger payments, the company send a repo agent to force even larger payments and suggests I " ask someone to help me. '' I was lucky to get {$640.00} from a friend in XXXX. I'm not as lucky this month. I believe this company repossess cars fraudently, and not in compliance with the laws or financing agreement entered into between consumers and the company. They're deceptive. I simply want more time to pay and a more reasonable payment agreement based on the change in my financial ability since losing the XXXX income and waiting for my 1st pay check once I start the new job on XX/XX/XXXX. Any help the CFPB can offer is appreciated.

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 2018-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I paid Navient for over 11 or 12 years faithfully no break in time believing that I had been on a forgiveness repayment loan being that I had a job in XXXX and for that reason never wavered from leaving the job I worked at since graduating as well as paying month after month and year after year, to be told that I had the wrong loan after over a decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I purchased a keyboard at XXXX XXXX on a 0 % interest credit card through Synchrony Bank with XXXX XXXX. A couple of months into paying this off I realized Synchrony Bank recorded this purchase on a 29.9 % monthly interest payment credit card and that my balance was higher then the original purchase. I called XXXX XXXX and their records showed that the purchase was indeed on a 0 % interest card while Synchrony Bank still showed a 29.9 % interest fee. I spent about 4 hours on the phone with managers at XXXX XXXX and the ultimate response was that Synchrony Bank needs to fix the problem and that they themselves are unable to contact Synchrony Bank. I then over the course of months spent 10-12 hours on the phone with various Synchrony Bank managers and they said the same thing -- that this is XXXX XXXX 's problem and that XXXX XXXX needs to fix the problem. After a total of 15 hours back and forth of conversation no one is helping me resolve this problem and I have a few hundred dollars of interest payments on my account that are not mine to pay. In truth, this SHOULD have be a XXXX minute fix -- i.e. XXXX and Synchrony Bank communicate and Synchrony Banks makes a change in their system so it matches XXXX XXXX. 

I got to the point of having a manager at XXXX XXXX fax over forms to show Synchrony Bank that it was a 0 % interest purchase ( on XX/XX/2018 ) and it's now XX/XX/2018 and Synchrony Bank is saying they never received them, though what do you know -- XXXX XXXX records show they were received. The forms were twice faxed to the correct number with the correct title memo. I have no idea what to do. This debacle has been more difficult then purchasing a house or a car and NO ONE can resolve the situation. More so, no one on either end has interest in helping me. The worst part is that this was THEIR mistake, and they can't own it. Resolving the situation has fallen 100 % on myself. Synchrony Bank and XXXX  should not be allowed to do business together. They should honestly be fined. I was in essence swindled out of money that was and is STILL not a part of my purchase in XXXX XXXX 's system. Why can no one resolve this??? It makes no sense and is horrible business practice. Can no one at either company REALLY speak to each other and amend the situation. Shame on both companies. My only option at this point is to complain here and find a lawyer for this measly {$400.00} interest on my {$760.00} purchase.

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