vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear? 
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer. 
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Over the past year, the collection company Rash Curtis & Associates, XXXX XXXX XXXX, XXXX, CA XXXX has called our family multiple times each week on our cell numbers, looking for someone else. On Friday XX/XX/2018 at XXXX XXXX, they spoke to my spouse who explained that there is no one by that name at our address or at our cell or home numbers. We then asked them to cease calling us. After handing up the phone, their representative immediately dialed my cell number and I repeated our demand to stop harassing us and informed the collector their company was in violation of federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: FM

Complaint narrative:
this is company is repoeting this debt on my credit this is the third collection company thats reporting. Also this is my second time writting the cfpb the last time i wrote you guys the debt was with another collection agency which agreed to remove the debt from my credit profile. They stop and removed it but now its with another company thats reporting again on my credit. The same original creditor which is XXXX but they just changed the amount. The first collection company reported {$860.00} NOW the new collection company is reporting {$890.00} I just want this removed for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I ordered an item from XXXX XXXX on XX/XX/2017 for {$290.00}. XXXX shipped the item via XXXX   using an unsecure method ( see attached ie no signature required ). The package was either delivered to the wrong house or stolen. Either way I did not receive the item. XXXX refuses to take responsibility and Paypal will not refund my money. 

The attached docs document my case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: OH

Complaint narrative:
I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: Conn's, Inc.
State: SC

Complaint narrative:
Around the last week of XX/XX/2018 I purchased a TV from conns in XXXX. Conns salesman XXXX XXXX pursuaded me to buy a warranty for the TV. After he explained to me that the warrant covered everything including accidental damage and that I'd have to pull out a gun and shoot the tv for it not to be covered, I agreed to go on and purchase it. Lo and behold 3 weeks or so later, the tv was damaged and inoperable. I called XXXX and he reassured me I was covered and to just call the warranty number. They told me that accidental mishaps were NOT covered. So, I called XXXX back. He said he didn't understand why I was being told that and that he'd make some calls and call me back. He never did. So I went to the store and spoke to him in person. He reiterated that the warranty was supposed to cover everything and that that's what all the sales person 's tell their clients. He said he would keep working on it and get in touch with a higher up with the customer service side of conns to see if I could get help on the weight of he TOLD ME HE WAS SELLING ME SOMETHING THAT HAD ME COVERED. He said if by some chance nothing panned out he'd buy me a TV himself with his discount. I didn't believe it and it definitely was a lie Bc Everytime I called him after that day, he stopped coming to the phone. I filed a dispute with the card provider and they gave a response that ruled in conns favor and that I should continue trying to get conns to fix this. When I initiated the dispute, i told the rep that I have PROOF of what I was told that I was buying. I don't think that part made it into the complaint. Proof! The letter the bank sent me said that if I have further documentation, I can contact them and move forward. I will be doing that because I can not afford to pay for something I don't have, pay for a product that is not as described, pay for something that turned out to NOT be what I thought I was purchasing. I'm hoping to rectify this out of court but I have worked too hard on my credit to have it ruined bc I got tangled up with a shady company and an even shadier salesperson. Also, I spoke to a manager at conns who would only tell me his name was XXXX. All he did was apologize and tell me that he doesn't know why XXXX told me that the warranty covered everything because the warranty had stopped covering EVERYTHING for months now. That's it? An apology? Why not fix it? He didn't even offer to try to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo via email about the amount of my mortgage payment which increased from {$1500.00} to {$1600.00}. I received a call from XXXX who said she would research what happen. I received a letter from Wells Fargo detailing my XXXX property taxes will be {$6000.00}. I also received letter directly from XXXX stating she would call me on XX/XX/XXXX to provide me with a response. I wrote a follow up email on XX/XX/XXXX stating my XXXX property taxes is actually {$4700.00} and not {$6000.00}. On XX/XX/XXXX, I called since I haven't received an update. The rep stated XXXX called me twice on XX/XX/XXXX. I answered my phone all day XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly spam calls since I did not know her number. So the rep said XXXX had sent me out a letter on XX/XX/XXXX with the resolution. As she read the letter it was the same information stating my property taxes is {$6000.00}. I asked the rep could this get escalated and she said she would contact XXXX and copy her manager. After thinking about last week and receiving no call back, I decided to file this complaint.

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 2018-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
my credit report shows a late payment XX/XX/XXXX which is incorrect. We have made all of our payments and some were by phone but some were online. When we made the payment online, it did not give me any problems or errors but later I discovered it was still due and contacted Harley Davidson immediately to resolve it. I was told there would be no negative rating due to this mishap with the online system but obviously that was not honored. When I called recently they suggested that I do a dispute and perhaps that would work. That doesn't make sense to me but here I am doing what they requested. I sure hope you can help because I'm trying to buy a house and this is holding me back. It is the one and only negative item on my entire credit report. Please help soon, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I believe I was a victim of Navient as I was misguided to apply for deferment when I requested a lower monthly payment. I became unemployed in XX/XX/XXXX, a job of 20 yrs due to the economic collapse. I was told because I was not on a student loan but on a parent plus loan I could not get a lower payment.

As I struggled to find a decent paying job in XX/XX/XXXX my deferment ran out and when I called they told me to apply for forbearance.

In XX/XX/XXXX I gave up on finding a decent job and applied for social security. My forbearance ended so again I called Navient about lowering my payment per month. The agent just said they could not do that as I was a parent on the parent plus plan. After I said I did not know what to do as I could not afford {$470.00} a month she told me she was sending out some paperwork. When the paperwork came it was all to do with refinancing and I was confused. Then at the end of all this paperwork I found an income-driven repayment plan. I have filled only that plan out and sent that back to them several days ago.

My account shows I accrued {$6500.00} interest from XX/XX/XXXX to XX/XX/XXXX plus capitalized interest of {$9900.00} My daughter started at XXXX  University in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: MD

Complaint narrative:
I recently had my credit scores report pulled and there is a 55 point difference between what experian is reporting as my credit score ( XXXX ) and what XXXX  and XXXX are reporting ( XXXX respectively ).  I called experian and a representative was unable to help process a dispute against the score reporting. Which seems excessive in terms of fair reporting. This difference seems extremely odd. I have reviewed all three reports and the same details/accounts are listed. With minor variations, however, not enough to cause a significant difference. 

When the sum of these scores are used for things like a home mortgage a significant difference like that can be irreparably damaging.

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 2018-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification

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 2018-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: NY

Complaint narrative:
While I was attending school at XXXX College I took out a private student loan. I graduated in XX/XX/XXXX and 6 months later Discover bank contacted me and stated I owed {$800.00} for my monthly student loan payments. I explained to Discover that I was not making enough money to pay that and asked about a payment plan being worked out. Discover Bank turned me down multiple times stating that they do not do payment plans. Finally my mother XXXX XXXX ( co-signer ) and myself got a lawyer XXXX XXXX of XXXX, NY to help with Discover Bank. On XX/XX/XXXX myself and my mother XXXX XXXX signed a payment agreement contract with Discover Bank lawyer XXXX XXXX of XXXX XXXX XXXX stating that in 10 years I will have paid the loan off of {$74000.00}. Since then I have been making the agreed payments every month however Discover Bank is reporting it to the credit bureau that the loan was " In Collections/Charge-off '' and it's " charged off as bad debt Dispute resolved ; reported by grantor 's ''. I have disputed this with XXXX  by sending them my payment history of my mothers bank account where it shows no payments have been missed because the checks are being cashed. XXXX then passed it on to Discover Bank and Discover stated after there investigation that they are reporting it correctly and it will not come off my credit report until it's paid in full. This was not an issue until recently, from XX/XX/XXXX to XX/XX/XXXX they were reporting it as making agreed payments now all of sudden Discover Bank is reporting it as stated above. This is a very serious issue because I am trying to buy a house for my family and because Discover Bank is reporting incorrectly they will not approve for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: NC

Complaint narrative:
I found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX ... .XX/XX/2016 XXXX XXXX XXXX  ... .XX/XX/2016 XXXX XXXX XXXX  ... ... XX/XX/2016 I never applied for any XXXX XXXX cards at any of my old addresses .... 
I had just a car loan from XXXX  XXXX ... .and never missed a payment. 
I have 2 XXXX  XXXX cards at this moment in good standing and just received a credit line increase.

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 2018-04-07 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On or about XX/XX/18, I called to inquire about a large increase in my APR ( around 30 % ). I was initially told it could be fixed, then told it was not an error and was increased for all card holders and they sent a letter to me. 

I informed Chase reps that I never received notification. They told me they sent out 100s of thousands of letters and it isn't their responsibility to make sure I get the letter, but rather MY responsibility. Was informed it was my responsibility to tell them I was never notified. It's unfair to put the burden on the consumer who does not even know to expect said letter, especially when this information is not included in the online section that includes imortant letters and communications from the company. 

I would have never agreed to the terms and would have used other available monies. I asked that a one time courtesy be applied and my rate be restored to previous rate for purchases made to date and was denied in entirety. As Chase maintains that it was my responsibility to notify them that I never received the change in terms even though, I knew nothing about the new terms until I found out on out about XX/XX/18. 

The creditor has the responsibility to inform the consumer. I was not informed. The creditor entrusted a 3rd party to get me that information and somewhere along the line from either one of their employees or the 3rd party delivering the mail, it did not make it to me. It is unjust to penalize me, the consumer, especially when it is common knowledge that things do get lost in the mail, on occasion and the creditor had other ways to ensure that I got the notification, such as mailing it certified, or additionally, including a copy in the online platform, especially in the inbox they design, designate and provide to the consumer for important communications and letters from Chase. 

I have the right to be notified and decide and I was deprived of that through no fault of my own and the credit card company is not only refusing to work with me to rectify the situation, but penalizing me for it and putting the burden of notification on me, the consumer..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: NY

Complaint narrative:
Equifax has XXXX XXXX listed on my credit report when I have submitted documentation that shows it should no longer be reporting on my credit report. 

XXXX XXXX and XXXX have removed XXXX XXXX - EQUIFAX has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07 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: GA

Complaint narrative:
XXXX XX/XX/17 Called and spoke to rep to let them know I did not authorize them to run my credit and it was never removed. This is affecting my score.

Company response to consumer: Closed with explanation