vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 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: CO

Complaint narrative:
1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, KIA still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. KIA has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing KIA 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but KIA has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult deployment. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In 2017 I contacted you all and filed a complaint against Synchrony Bank subsidiary GE Capital. They w6trying to cheat me..DECEPTIVE practices. 
Since in retaliation they have ran my credit at whim by the way is good XXXX  XXXX and as I pay my bill down they report I only have a limit of about XXXX when limit was XXXX plus on 2 occassions. It makes my account appear I'm over my limit as they lower my limits based on some XXXX  they camu up with. I have not used the card since 2017 and dont plan to because they are deceptive lying cheating CROOKS. They do this to make my credit and score look bad. They are the ONLY CREDITOR that I have these issues with though in good standing. This forces me to psy lump sums to them when the agreement after contacting you I would not have to but they twisted it DECEPTIVEly to make my credit with them look bad. 
Keeps lowering my limits for no reason to get more money make it look like I've used more than 90 % of the card whe I haven't used it at all!! 
Checking my credit without permission causing hits o did not authorize which affects my score all out of being XXXX I reported them to you.

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 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, on XX/XX/2020 thats the day I had my appointment set for. I have an inquiry two inquiries from them. The day I went in and gave them permission to run my score and I have one for XX/XX/2020. I did not give anyone permission to run my credit, he wanted my check stubs and I never sent them I waited until I went in person. But I discovered he ran my score anyways. I also as of XX/XX/2020 have an inquiry from Capital one auto finance ... I did not choose a car when I went to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Its been almost a month and Im still locked out of my account. Which is current. Ive contacted web support as well as customer service several times. Yesterday ( XX/XX/20 ) I was on the phone for an hour attempting to get it resolved before it just hung up. I woke up today thinking maybe the rep continued to work on the issue despite her call dropping and nope. She didnt. Im still locked out of my account. How am I supposed to continue paying my bill on time if Im locked out of my account during a pandemic. Wait times are through the roof for customer service. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Andrew, Palma, Lavin & Solis, PLLC is filing for false judgments to be paid in full, but Ive never missed a payment with them. This is absolutely disgusting because my payment arrangements began in XXXX for {$35.00} a month for the first 3 months and {$100.00} a month afterwards. I sent {$35.00} in XXXX XXXX, {$50.00} In XXXX XXXX, {$100.00} in XXXX XXXX, {$100.00} in XXXX. XXXX, and {$100.00} in XXXX. XXXX. I only had to give them {$300.00}, but they received {$380.00}. Yesterday I received mail asking for the payment in full, but we have a payment arrangements and I dont have that type of money to pay in full. I dont know if they are preparing for the pandemic and people being unemployed or what. In the past, I called and was placed on hold and no one came back to me. Yesterday I mailed a letter to them. I dont know if debt collectors are essential workers while under a safer at home order. But I sent all of my payments in and they are breaking our agreement without cause.

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 2020-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the depart of education accounts are on my account are showing incorrectly

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 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was contacted by someone posing as XXXX XXXX, the country music singer, on XXXX. This person ( s ) somehow had my contact info and told me I had to comply with his requests or he would turn me over to the law for falsifying a credit application to Capital one in which my income was inflated. I receive XXXX and make little money. I was afraid to tell anyone about this so I complied with his requests for several months. I finally told me mother, and that is when she called the sheriff 's department, we filed a police report, called Capital One, reported the fraud, and have now hired an attorney because Capital One is suing me for around {$3500.00}. My mother is acting as my " next friend '' as per our attorney. I want this person ( s ) prosecuted and punished so this never happens to anyone else again. It is frustrating that others take advantage of people, and I hope this issue is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, XXXX still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. XXXX has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing XXXX 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but XXXX has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult XXXX. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.

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 2020-04-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, XXXX still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. XXXX has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing XXXX 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but XXXX has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult XXXX. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.

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 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In reviewing my credit report- Department of education/Navient has added over XXXX worth of interest to my student loan debt from dates ranging from XX/XX/XXXX to XX/XX/XXXX. Per my XXXX credit report Navient added a note showing an increase of student loan interest from XX/XX/XXXX - XX/XX/XXXX of XXXX. They just recently added a note of a increase of XXXX from dates ranging from XXXX. Due to the Coronavirus pandemic, aren't fees suspended starting XX/XX/XXXX - XX/XX/XXXX? Why am I being charged for interest or accessed fees during a pandemic crisis? Secondly, the amount of the increase is astronomical. a XXXX fee for 1 month vs from XXXX XX/XX/XXXX only XXXX? 
Please investigate this and have Navient make the applicable adjustments. In dealing with Navient as long as I have, I just have a feeling once this pandemic is subsided, they will quadruple fees to my student loans??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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:
as previously stated I am a victim of identity theft

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 2020-04-24 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: NC

Complaint narrative:
I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

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 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/2020, {$590.00} were withdrawn from my XXXX checking account by means of Cash App and my XXXX debit card. When I realized that the unauthorized transaction was pending, I called XXXX to cancel the compromised debit card, and a new one was issued by my local branch. I had to wait until the transaction posted to initiate a formal dispute with XXXX ( XXXX ). 

My research indicates that someone with my XXXX debit card number opened a Cash App account in my name and withdrew the funds. The card number may have been obtained from any merchant that uses Square to process payments. 

Square ( XXXX ) refused to help when I called, and although there is a phone number for Cash App ( XXXX ), there is no support for non-members. My research indicates that XXXX XXXX ( XXXX ) may have issued a debit card in my name. A XXXX XXXX   representative confirmed that this is a popular scam, and provided a number for XXXX ( XXXX ), a company that will forward my complaint to Cash App. 

The way these companies operate is very concerning, leaning on each other to enable these transactions to take place while eschewing liability, essentially allowing the laundering of illegally obtained funds. These loopholes should be closed to protect consumers such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Inaccurate, Fraudulent, unverified accounts reporting 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 2020-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
collection was placed on my report XX/XX/24. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My complaint involves BMO Harris Bank NA. I filed bankruptcy on them over 10 years ago on a second mortgage. I have been trying to negotiate the second mortgage for almost two years now. BMO Harris Bank NA, ran a hard inquiry on my credit bureaus, XX/XX/XXXX of 2019. At that time we were in negotiations for a settlement. I was not aware they ran my credit, nor did I give them the authority to run my credit. After they ran my credit, they saw that I had a good credit score, and decided to settle for the full amount. I know they illegally ran my credit without my consent or any signatures. This also influenced their decision with their settlement amount. I am filing the complaint today because I want action taken against BMO Harris Bank NA for running my credit without my consent. Also I would like to know if I have any legal Avenues against them? Such as filing a lawsuit against them, or suing them in state or federal court.

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 2020-04-24 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: NC

Complaint narrative:
I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

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 2020-04-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Inaccurate, Fraudulent, unverified accounts reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
Inaccurate, Fraudulent, unverified accounts reporting 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 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
This lender is not licensed to do business in the state of Virginia, therefore the loan should be void. They are trying to collect through an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
Recived a notice from Sessoms and Rogers PA ON THE BEHALF OF XXXX XXXX XXXX about an old debt for a balance of {$520.00} It has brought a lawsuit against me to collect on this debt. IT is an notice of intent to file legal action in XXXX County District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: ERC
State: FL

Complaint narrative:
Enhanced Recovery CO L is reporting an old debt from 2016 as a new debt to my credit bureaus. This incorrect information would cause the debt to report longer on my credit report than allowed by law and also has more of a negative effect on my credit score as making me appear more of a risk to lenders by seeing this as a new debt.

Company response to consumer: Closed with explanation