vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been targeted by some people they touch my app often over nine years now, I applied XXXX amex card last year or two years ago, last year through I spent and I have paid even I set to pay automatically, this people I feel like young bilingual and my origin is XXXX and somehow could be related to XXXX I guess, I am writing about my sense but often it is true. 
Anyway, I set auto pay, I often saw emails asking me to pay twice or third time in a month through last year. First I set to pay automatically even amount of spending was not much. 
Then I saw asking pay three or four times in some months, I went to app, auto pay was not set. It was not mistake but somebody touched the app. 
Next thing, I set auto pay and I paid, but after I paid twice asking me in a month, payment date somebody set but not by me. 
I was tweeting, actually those people touch my app and blogs and tweets over nine years after they were found as data frauds in XXXX XXXX XXXX XXXX team 2013. 
Then, it has been happening like that. 
Even XXXX account was touched by them when we were in need. 
Recently I had XXXX  XXXX and XXXX XXXX  cause a problem I treated me using deep skin moisturizer. It is not funny. 
Anyway, this is a problem it has been touched by someone, last thing,! ay XXXX, I paid to a, ex XXXX dollars, soon the payment was retuned without no reason then this XXXX Amex charged return fee to account XXXX dollars, this XXXX minimum payment tuned to be over thousands, it is fraud what the app workers do long years to my account. 
Is this fun? And I have been done by those people over nine years. 
As I am XXXX, I know some XXXX are very bad in XXXX, there are frauds a lot, when we can pay somehow, they have been doing might be fun to do this kind of bad behaviors over nine years but they are real data frauds, they make up reasons much often, so my claim it has been neglected and ignored I think. 
Recently my husband was called by even frauds.I cutout though. 
Shroud those all, they will see what they did thing caused their serious problem. 
It could be natural sanctions it could be something else. Sorry about those very dishonest people. 
Apparently this kind of bad thing they wanted ask me over thousands rather than XXXX dollars in one time payment, Look at that dirty bad workers are they operated USA or XXXX? 
Why targeting me? 
XXXX owns Amex or XXXX problem? 
What else? 
At least, XXXX XXXX and some other people have been targeting me since 2013, also this apps are on XXXX all. 
How long do I have to be done by those very bad people? 
Who could stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Other problem getting your report or credit score
Company: SN SERVICING CORPORATION
State: PA

Complaint narrative:
I currently making mortgage payments through SN Servicing Corporation. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: HI

Complaint narrative:
We went aloha kia dealer and got a brand new car the sales man explained to us the car value which we new it was worth XXXX we agreed to getting the car for the XXXX and monthly payment of {$780.00}. So when we did the paper work he went over the charges as far as we know it was only one letter that was explained to us such we signed for the sales man made us sign the main contract first and after we sighned the main contract he made us sighn electronically on a blank white screen on his computer and was also rushing us to sighn the white blank screen because he said the screen will time out and he would have to dtart over which we were never acknowledge what was those signitures for so we went home and went over the other papers he put in the yellow envelopehe gave us with the main contract we had sighn which we knew the car was worth XXXX finding out wen we were going through the other paper he shoved in the yellow envelope we find out that the electronic signiture we had did on the blank screen was copied. And pasted on other documents that were never explaid or acknoledge for any reason we find out that the actual price for the car was not XXXX but XXXX we also seen that are signiture was copied and pasted on the a really important document that was never shown or explained to us such is the federal truth and lending disclosure we were never shown or explained the dealer accepted to unwind the whole contract but wen they came to pick the car up they wanted me to sighn a paper that was basically making me waive my rights and wen I told them that I wasnt gon na sign they decided to brake there promise to unwind the contract also the car only had 12 miles and now it has XXXX and it broke down it not useable

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One denies my request for gold spark business card because it inaccurately report wrong score status t o get card. CAPITAL ONE CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. CAPITAL ONE WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by capital one which states I have fair credit but I was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX or XX/XX/XXXX I cosigned for an ATV loan with Yamaha at a motorcycle/all terain vehicle dealership for my nephew XXXX XXXX XXXX XXXX a 100 % XXXX XXXX XXXX veteran. XXXX was making timely loan payments up until his XXXX on XX/XX/XXXX. In XX/XX/XXXX his Executor and Estate were making good faith attempts and were able to clear up any debt with the exception of dealing with Yamaha financing that was then transferred to Capital One they refused to cooperate and refused to clear up the account or transfer ownership. His executor continued to make payments since XX/XX/XXXX. From this time of co-signing for the loan up until XX/XX/XXXX this showed on my credit report as cosigner for a LOAN. In XX/XX/XXXX, A statement arrived at my home address in my name solely from Capital one with a Credit card showing a balance of {$11000.00} and available credit of {$17000.00}. Immediately I noticed my credit score lowered and I received notices of lower credit from my own financial institutions due to the recent increased Credit. I called Capital one multiple times to ask how a loan turns in to a credit card and how they can list this on my credit as solely belonging to ME. They have no record of a XXXX XXXX nor of the original account. I really do not know what to do? I do not know how to rectify this and feel my rights as a consumer are violated, nonetheless their behavior at the time of clearing my nephew 's estate is now raised to an appalling level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is stating that on a XXXX account as of XX/XX/2018 the account was 60 days late. From XX/XX/2018 to XX/XX/2018 Experian states that the account went from 60 days late to 30 days late. Similar issues are presented with Experian on XX/XX/2018 being 30 days late, XX/XX/2018 being 60 days late to XX/XX/2018 being 60 day late as well. How is this permitted?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Credit Wise Recovery Solution LLC
State: NY

Complaint narrative:
XXXX XXXX denies my request for XXXX XXXX XXXX card because it inaccurately report wrong score status t o get card. XXXX XXXX CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. XXXX XXXX WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by XXXX XXXX which states I have fair credit but I was still denied

Company response to consumer: Untimely response
Consumer complaint received 2021-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I believe I have been intentionally steered away from the public service loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: RI

Complaint narrative:
I've sent numerous letters to all 3 credit bureaus over the months and received no response. I demand by law all these items be moved from my credit report my information was compromised in XXXX data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a XXXX Statement from my Capital One Savor Card which indicated a balance of {$2900.00} due on XX/XX/XXXX. On the statement itself it clearly indicated as the balance subject to interest being 0.00 % apr as I was in a promotional period. I knew my promotion would end soon so I wanted to pay the entire balance before the due date which I did on XX/XX/XXXX. I then received my XXXX statement with an interest charge on my zero balance of {$28.00}. 

I called the company and was on the phone with them for 45 minutes and they were unable to correct the incorrect charge. I closed all my credit cards with capital one bank as I can not continue to due business with a company that would not honor their own promotions and their own statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have written Experian, called AND spoke to 14 different people to no avail. Someone hacked my credit and I got all three reports locked. Once locked I was able to unlock XXXX and XXXX in order for me to use my reports to acquire new credit. I tried to unlock experian and I have had THEE most trouble trying to get them to unlock it. Not only am I unable to access my online experian report but they have still yet to unlock my actual report. I am at wits end to try and get this resolved as I need to apply for something, yet experian 's locked report is holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
XX/XX/2020 I filed a partial bankruptcy on XX/XX/XXXX it was dismissed. I have contacted LexisNexis and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
A few years ago, I have used several credit cards issued by the Pentagon Federal Credit union. In XX/XX/XXXX I filed for bankruptcy. One of my PENFED credit cards Travel Rewards XXXX ending XXXX was delinquent and was reported in the bankruptcy petition. However, the rest of PENFED credit cards were paid off and were not included in the bankruptcy. In XX/XX/XXXX, exactly one year ago, I learned that PENFED reporting a VISA credit card ending XXXX as delinquent and included in the bankruptcy, which is absolutely incorrect! I contacted PENFED customer service, explained the situation and provided a copy of my credit report, and asked to correct this issue. 
Unfortunately, PENFED absolutely neglected my request and continuing to report incorrect information, which is negatively impacting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and transunion. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 I filed a partial bankruptcy on XX/XX/2020 it was dismissed. I have contacted XXXX and XXXX and XXXX. Requested that they validate where they are getting this information from and delete it off my credit. This was a public record which was dismissed and never given to them by the courts. I havent sent multiple letters asking for the item to be deleted from my credit only for them to continue to keep it on my credit. I can not move forward for my children sake with something on my credit that should not be..Please HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you because my credit report contains late payments that I would like to get remove as quickly as possible.

Company response to consumer: Closed with explanation