vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-12 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I have lease a vehicle with Kia. After the lease was up I turned my vehicle in and they did not advise me of any additional charges. I went to get a mortgage knowing my credit was excellent, but now was dropped 100 points from KIA financial. I immediately contacted them to pay whatever balance there was because they were reporting it on my credit report. It has been four months, and they have continued to report a delinquent account on my credit, ruining my credit score. I have called them, reported disputes, NUMEROUS TIMES over the past four months and not one of the employees from KIA Finacial have helped at all. I need to report them because nothing is being done no matter how many times I contact them or dispute their reports to the credit unions.

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 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED

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 2020-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: MO

Complaint narrative:
Over the past one-two weeks, we have been receiving over four phone calls a day from Discover Financial at XXXX. When we pick up the phone all we hear is silence. Given who is calling and how they're calling, I assume they are trying to collect a debt via phone harassment. Nobody currently living in this household, using our number, owes any debt to them. I called them and told them to stop but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer USA has been charging me a lot of interest, almost 70 % of my XXXX-XXXX  payments goes directly to interest. I got the car in 2014 and have been paying XXXX for 6 years and still owe them {$7000.00} dlls when the car price was XXXX dollars at 18 % interest rate, thats too high. I already paid 72 monthly payments of approximately {$380.00} dlls, that makes {$27.00}, XXXX dollars, and still owe them {$7.00} XXXX. Thats way too much, I didnt buy a luxury car to pay that much money. Please check this fraudulent company, theyre taking advantage of hard working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, Capital One stated they would pay off my loan with my previous lender within 7 days. Rather than actually do this they called back on XX/XX/XXXX repeating the same information that they wound then payoff my loan within 7 days even though they previously stated it would be done previously. Then today XX/XX/XXXX, my previous lender stated they never received the payoff. Now two lenders are trying to make me make payments for the same car. 
When I call capital one finance for auto it states no one is available and to call back the next business day. 
I can not resolve this issue as capital one refuses to let me speak to them. 
Capital one did not fulfill their promise to payoff my loan and mislead me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
I do not owe XXXX this debt I switch carriers and and the remaining phone bill was paid this amount is false I been with XXXX for 13 years until they started adding false charges on my statement I was offered a plan with XXXX and my lines carried over and the remaining monthly charges was satisfied as I inquire about my payment they can seem to locate me in there system

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 2020-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Noticed that an interest charge was showing on our monthly statement. Found out that the advertisement on our phone app for AMEX showed that we could pay an amount of our balance due prior to a certain date. This was something new that was added to the app. However, the date was the same as our total amount due date. The advertisement is super misleading because it made me think that the balance due and total amount due were different dates, and as long as I paid the amount by the total amount due date I would not in-cure interest. This makes the consumer think they can spread their payments over 5 weeks instead of the actual 4, that was what I was doing before they started advertising the balance due option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: Selene Holdings LLC
State: NY

Complaint narrative:
SELENE FINANCIAL LP ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.

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 2020-06-12 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: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.

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 2020-06-12 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: U.S. BANCORP
State: VA

Complaint narrative:
In XX/XX/2020, submitted billing dispute regarding a charge still showing for services cancelled and refund not yet obtained from merchant ( XXXX XXXX ). Company required I submit additional information which was sent back in late XX/XX/2020. Shortly thereafter, I received notice that the dispute was closed despite my sending the requested info and calling multiple times. After much complaining, Company ( US Bank ) re-opened the dispute in early XX/XX/2020. In late XX/XX/2020, I received a letter with documentation from the merchant that indicated my dispute was not valid and the charge would remain. I followed up with the Company, via letter on XX/XX/2020, advising that the documentation submitted by merchant was invalid as it was for an incorrect ticket number ( in other words, the Company submitted dispute to merchant ( XXXX XXXX ) for the incorrect ticket number ). The details of this were laid out in my letter of XX/XX/2020, further advising that if the charge remained valid on my account, that a complaint would be filed with CFPB, which is 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 monetary relief
Consumer complaint received 2020-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wellsfargo wants me to pay to refinance or pay {$140.00} for the life of the loan. They said that when I signed the loan in XXXX of 2014, I knew I would have to pay $ XXXX/month for 360 payments. 
FHA help me get this mortgage. Thank You! But they let the insurance company profit from me for the life of the loan. Thank You, FHA.

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 2020-06-12 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: EOS Holdings, Inc.
State: MT

Complaint narrative:
EOS CCA - # XXXX : I do not owe this debt. I have always paid my bills on time & never received any notice that I owed this. This is in violation of my 30 day right to dispute. This needs to be removed from my credit file as I was never notified about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: NY

Complaint narrative:
Ive sent numerous cfpb complaints to this company to address the issue on them not completing an investigation on discrepancies on my credit report. Ive sent them documentation and social security cards stating that i am the person who wrote the dispute. This company is violating my fair credit reporting acts by avoiding removing the inaccurate information that was never investigated. On XX/XX/2020 i submitted a dispute letter to transunion in regards to inaccurate derogatory remarks on my credit profile. I sent the letter certified mail and it displays transunion recieved the letter. It has been over 30days and I havent been notified of the results of the investigation. This is a direct violations under my rights of the fair credit reporting act due to failure to properly investigate my disputes. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

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 2020-06-12 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$21000.00} CHAPTERXXXXBANKRUPTCYDISSED

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 2020-06-12 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: AMERICAN HONDA FINANCE CORP
State: KY

Complaint narrative:
I had car loan through Honda Financial that was paid off in XX/XX/2019. During the whole life of the loan not one payment was missed or unpaid. On my credit history it shows my last payment was XX/XX/2019 but shows a late payment for XX/XX/2019. This is taking a huge hit on my credit report. I never received a late statement a notice NOTHING. I tried reaching out to Honda Financial multiple times they are closed. Please help take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 
2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. 
b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 

4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 

5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 

6. In addition, late fees have also been applied to my account. 
7. Note that this is not the first time that Navient followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issuesomeone sent the police to his house to bring him to the XXXX  ward and the police ended up XXXX  the man ). When I contacted Navient about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX  XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 
8. For various legitimate reasons, I have requested documents from Navient so that I can verify and calculate the purported student loans but Navient has not provided the requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
IVE BEEN A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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
Consumer complaint received 2020-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$870.00}

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 2020-06-12 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: AR

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} 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 2020-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ERC
State: TX

Complaint narrative:
Please review the correspondence sent to ERC and Credit Agencies this morning. ERC continuously attempts to collect invalid debts. I have received several notices from them, and each time the debt is later removed. I am asking that they be reviewed based on the CFPB guidelines with regard to consumer debt/collections. They continue to violate my rights, and I want them to cease ALL COLLECTION AGENCY IMMEDIATELY. 


Good morning, I am requesting that the collection activity for this account cease immediately. I have not had XXXX XXXX in Several Years. When I did have the service through XXXX XXXX ; all bills were paid, and all equipment was returned. I had a remarkably similar issue through your collection agency regarding XXXX ( another Cable Company ). That was removed immediately at the direction of XXXX XXXX, Senior Vice President of Operations, as the collection was not VALID. Again, I asked that you remove from your collection activity. If you can not do so, please have Mr. XXXX contact me directly at XXXX. 



Confirm New Collections Account A collections account from ERC was added to your credit report on XX/XX/XXXX 
CREDITOR INFO ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XXXX XXXX, 2020 BALANCE {$200.00} ORIGINAL CREDITOR 11 XX/XX/XXXX

Company response to consumer: Closed with explanation