vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Care Credit XXXX bank I paid the full amount never missed a payment my total was {$400.00} they decided that they will charge full amount on the entire amount of XXXX balance. It doubled my amount owed to XXXX dollars ....

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 2020-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a Capital One Auto customer. I had expressed to them earlier in the year I was negatively affected by COVID-19, payments were waived due to severe loss of income. In XX/XX/XXXX my vehicle was totaled within 24hrs of a house fire. However, in XX/XX/XXXX, I lost employment. I did not receive any unemployment until XX/XX/XXXX where I caught up on primary bills while raising my XXXX children alone -- - nonetheless, I made a payment to Capital One. XXXX week later it was announced unemployment amounts would be reduced ( lowering the extra monthly unemployment I just became eligible for -- to XXXX ). I did not gain employment until late XX/XX/XXXX as school is out and I needed work from home. But again last month, I was catching up .... I reached out to Capital One Auto this XX/XX/XXXX regarding payment and was advised I had until XX/XX/XXXX to pay XXXX or damage my credit for 7 years [ SIF agreement of {$1100.00} or make payments to a charged off acount ]. I requested an exception due to hardship expressing that Capital One considered the coronavirus impact for an interest baring auto loan but not my non-interest total loss -- which is 5x 's my monthly car note. I was advised the policy was 120 days regardless of the COVID effects and my account would be charged off next week -- - even after I come to them financially better ( not great ) and ready to make payments. We made an agreement for payment relief long before I fell behind. I was up to date on payment when the agreement was made to defer payment. This is still a pandemic and Capital One is expecting me to potentially hurt my household by extended them {$3000.00} instead of payment with the possibility that my family is affected once again. Capital One advises if there is trouble paying the bill " contact them '' but in reality, once you speak with them they have a cut and dry -- who cares whose dying policy. How is there no hardship program in place? Moreover, it was my impression the Cares Act had things in place for overwhelming threats like this since NJ is still in a state of emergency until the end of XX/XX/XXXX. Please assist in how I should approach this dilemma ... also allowing others to see if banking with Capital One fits their needs if the future of COVID changes things again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
yes Experian has been denying my identity for 24 years I have been denied employment, housing, creditcards, i have had it hard allways trying to pay with cash because they has allways denied my identity as of today my unemployment is on hold because of my identity and its 2 days before XXXX and my XXXX don't have anything my money is jus sitting there.experian allowed me to make an account with them I use my ss number and it went thru but on my file it doesn't exist they have a different number my real number is no where on the account I call them Monday explan my case I was direted to the dispute department and was told it will e fix in 24-48 hours but it was fix in 30 min I ask can I speak to a superviser because who can make a mistake like this and I was denied no apology or anything.

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 2020-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: OH

Complaint narrative:
In XXXX of 2015, I went to a presentation about a XXXX in XXXX XXXX. I was told that I had an allotted amount of days to cancel the contract. After discussions with my family, I wrote a letter and cancelled the contract within 3 days. 
Later in the year, I receive a bill from Meridian Financial Company for account XXXX. I contacted the company and stated I had sent a letter within the allotted period to cancel the contact. I was told there was a letter but it was not received within the allotted time. I refused to pay because I sent the letter certified mail and I knew the company had received the letter within the allotted time. 
In XXXX of the same year I received a bill from Meridan Financial Company for account XXXX. This {$980.00} bill was for the yearly maintenance fees for the above account. I had cancelled the original contract which included the maintenance fees. I contacted the company again. I was told again that the letter was not received within the allotted time. 

Account XXXX is showing as a charge off on my credit report for {$7100.00}. I would like both of the charges to be taken off my credit report because I followed the guideline and Meridian Financial did not. Even after acknowledging they had received my cancellation letter.

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 2020-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
About a month ago, I filed a CFPB complaint against Debt Recovery Solutions about their agency reporting XXXX unverifiable XXXX XXXX on my credit report for {$980.00} and {$610.00}. They responded to the previous complaint, and agreed to delete the accounts from my credit profile. In fact, this was their exact response : " Company 's Response XXXX XXXX This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau XXXX The accounts in question were referred to our office for collection in XXXX. In light of the information set forth in this complaint, we have closed these accounts and returned them to our client for further processing. As such, all further collection activity by our company has been suspended. Additionally, we have instructed the credit reporting agencies to delete any update we may have placed on your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing XXXX XXXX  XXXX '' Unfortunately, we have still not received anything from Debt Recovery Solutions about the origin of these debts, and in addition, they are still reporting them on my credit report almost an entire month later. So Debt Recovery Solutions continues to take no action to resolve my issues, and continue to needlessly damage my credit rating by allowing these accounts to continue to drag down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
MoneyLion has been reporting my account as a charge off ONLY AFTER i started another builder account with them. Now I am paying over XXXX $ in FEE 's and they just NOW said my account was charged off TWICE in XXXX & XXXX ... they lag SERIOUS TIME and waited till I am in debt with them for another credit builder account to XXXX me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of 2020, American express abruptly changed my APR from 13.24 % to 29.44 %. I did not notice this until XXXX XXXX, 2020. When I called American Express inquiring why I was paying what I perceived as exorbitant interest on a relatively small balance, they told me I had a " late payment '' that triggered a penalty fee in XX/XX/2020. At that point, the agent reduced my interest rate back to 13.24 % moving forward from XX/XX/2020 onwards, however I was still responsible to pay the interest incurred from XXXX of 2020, which amounted to {$520.00} extra interest than expected. 

Later, I called American Express again asking to remove this interest rate on the basis of being a loyal cardmember for over 16 years. They refused to return the interest that was charged. 

This inspired me to dig into my monthly statements, and what I found was disturbing. I pulled up all of my monthly statements from the period of XXXX through XX/XX/2020 and discovered that American Express had, without notice, fraudulently increased my interest rate to over double the 13.24 % usual interest rate, starting in XXXX of 2020. I cross referenced every single payment and all minimum payments and confirmed that each month during the year I had paid in full, and on time. Furthermore, I had autopay setup, so there was no possible way that underpayment could have happened. Essentially, American Express first lied to me, and then when I called back after researching my all of my monthly statements, they claimed that some returned payment in XX/XX/2020 was to blame. When I looked into this, I discovered that yes, a returned payment did occur, however I paid XXXX additional times for a total payment of {$4200.00}, when my minimum payment was {$1700.00}. It is fraudulent and illegal for American Express to raise my interest rate without just cause, and furthermore without notice. I would like that the CFPB corrects American Express ' practices to improve their record keeping to actually look at customers total monthly payments and dates before they fraudulently increase interest rates and rip people off. I felt cheated and taken advantage of. American Express definitely was not looking out for the customer in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX ans equifax Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
I do not remember the exact dates it has been years, I originally did have an account with XXXX, but they forced me to keep me account open against my request and the bill continued to go higher even though it should have never been allowed to go beyond 1 single period. So everything is inflated and incorrect! I am being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am contacting you regarding my credit card account with Chase bank Acct ending in XXXX. I was 5 days late on my XX/XX/XXXX payment and Chase cut off my card and required me to make a payment in advance for the next month without notice. I have had this account since XXXX and don't recall being late on payments ever until now. I have NEVER heard of a company cutting off your card for 5 day late payment and requiring you to pay the next month in advance and to top it off I have a Checking account with Chase with direct deposit. I could not have imagined that I was in desperate need away from home somewhere and try to use this card and it's cut off for 5 day late payment and I was forced to pay the next month in advance before the card would be reinstated. I don't believe this should be done to any customer especially a loyal customer who is late once in several years. I am in disbelief that this even happened, I have several accounts with other financial institutions for several years and have NEVER had this type of foolishness happen. I am disgusted and shocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I purchased a home ( V A Housing certificate ( no money down ) in XX/XX/2018. My payments were auto pay for mortgage company to get the payments. After four or five payments Lakeview began to take another payment the third week of the same month. I did call them and they could not say why the second payment was taken. So I made them put it back. After going through this several times I had to close my bank account.. My bank opened a new account and they are making my payments for me.. Lakeview put lies on my credit report stating my payments are late and I missed payments too .I reported them and the lies were removed from my report. I tried to reduce the interest rate on the loan again this year.. Lakeview lies are back on my credit report AGAIN! They told me they are going to leave the lies on my credit report. How can I stop this? My interest rate is 5.2 %. This is against the law to lie on me just to keep the account. My bank statements show my payments are on time, and paid in full.by my bank every month. I am being lied on and blocked by Lakeview Loancare Servicing, LLC..

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 2020-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion ans XXXX Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.

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 2020-12-24 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2020 I made a change to two plane tickets that I purchased from XXXX XXXX XXXX. The change for the change in tickets was {$50.00} and {$66.00}. The charges appear on the statement for XX/XX/2020. I paid for the charge on my PayPal credit card. When I saw my statement, I saw two additional changes, {$100.00} and {$89.00}. I contacted XXXX XXXX and they sent me sent me a confirming email saying that, Our records do not reflect the other changers mentioned. As such, we ask that you contact PayPal for any further assistance. I contacted PayPal and filed a dispute with them three times and gave them a copy of the email from XXXX XXXX. They have denied me my request to remove the charges. I have explained to them that I did not receive anything for those charges and So.  XXXX can not associate the charges with any purchase on their end and they can not find the charges in their records Therefore they can not reverse the charge.

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 2020-12-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to have these collection accounts removed from my credit report. The balances on these collection accounts are inaccurate and they are damaging my credit. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
After multiple attempts by mail and phone requesting they pay my home insurance which is included in my escrow ( {$2600.00} current balance XX/XX/20 ) my insurer is threatening cancellation and late fees are accumulating. this is the second time this has happened in the last 7 years which took me almost three months to be reimbursed by the servicing company. I need the insurance paid, all additional charges removed, my credit record corrected if needed.

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 2020-12-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a claim currently that was started XXXX2020 that is still pending investigation. also i haven't received a provisional 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 2020-12-24 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: AFNI INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC XX/XX/20 This is a collection reported to my credit bureau ( XXXX ) and would like them to be removed effective immediately.

Company response to consumer: Closed with explanation