vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-24 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: CA

Complaint narrative:
Unfair practices of Capital One Auto Finance. This company takes advantage of people with lower credit score giving them very unfavorable loans. Loans offered by this bank for people with lower credit score are daily interest loan versus ATR fixed which basically is annual interest rate loan given by other banks. Having daily interest loan big part of payment goes to interest not to principal balance. It is based on daily interest not on annual which increase amount of money pay to the bank of monthly payments. My loan which was 10 percent has absurd monthly payments over 640 dollars. I was able after some lengthy discussion with Capital One to lower to 7.5 percent and still excessive payments of XXXX dollars. Because of daily interest amount of payment is very high. For annual interest loan that payment will be much lower and more affordable. Due to taking advantage of people with low or poor credit score by giving unfair loans this bank creates very difficult situation making payments impossible.where the big chunk of salary goes to car payment. Failing or being late on those payments puts customers in even more difficult situation and leads to lowering credit score. I talked to Capital One in extend about unfairness of loan this type and furthermore better terms of loan but they declined to do so threatening with car repossession knowing that this way they can money by selling car. They don't care that their type unfair loan puts everyone in struggle with excessive payments as well in case the car is reposes leaving someone without means to go to work or store or pick kids from school. I hope someone will go after this bank and force them to change practices and stop taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: AES/PHEAA
State: OH

Complaint narrative:
Prior CFPB Case # XXXX Due to AES paying off my sons student loan and cancelling his ACH in error his account went delinquent. This was corrected with all 3 bureaus in XX/XX/2017 but I just received a notice that XXXX and XXXX are still showing that the XX/XX/2017 was 60 days delinquent. 

This company is horrible-My next step is to hire an attorney to verify that this company has the correct chain of title. I will want to see the original notes-assignments from each sale and note endorsements to prove that they are the legitimate owner!!!!!!!!!!!!!! I truly believe that they will not be able to locate what is needed to prove that they own these accounts. 

This has been a total mess for over a year and now I want compensated for wasting all of my time with this incompetent company!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2018 my JC Penny credit card bill was published on their website. I paid the bill immediately. Then I go on line today XX/XX/2018 and I see that I still have a payment due. So I called JC Penny and the service rep clearly saw that my payment was made on XX/XX/2018 but blamed me for making my payment the day the bill came out. The agent for JC Penny could not adjust the payment to reflect the correct payment cycle and told me to make another payment. If I had not looked on their website today the payment would have been late tomorrow.

What I don't understand is that if JC Penny publishes my bill on line on XX/XX/XXXX then why can I pay it on XX/XX/XXXX? How can it be " my fault '' for paying my bill on the day the bill is published? I closed the account with them and this is not my fault for paying my bills on time,

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 2018-09-24 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: Ability Recovery Services, LLC
State: MS

Complaint narrative:
In XX/XX/2018 I talked to XXXX XXXX about my account with Ability Recovery Services were reported that I am derogatory on my account. She told me the credit reporting agency have to fix it because they already send a report when I pay my account but I have been paying on time. I tried to dispute it with XXXX and XXXX but I could not online. I have called back XXXX XXXX twice and left 2 messages but she has not returned my calls.

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 2018-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Pressure to enroll to XXXX XXXX by calling several times and being charge for full cost of the course when i only attended a couple months. I been making my payments on time and it seems that the balance still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
This is a formal complaint against my federal student loan servicer, XXXX XXXX XXXX. I have made repeated attempts to try to get my manual review letter where they calculate and provide me with the number of qualifying payments I have made and the number of payments still required. The initial letter I received, dated XX/XX/XXXX, stated I would get this no sooner than 90 days from that date. It is now over a year later and I still havent received it. I called about this issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last three people I talked with ( including one supervisor ) even sent emails to management but I still didnt get a word of response. I have documented everything, if you need details. 

My other big complaint is that I have to still be working when they make the final decision. I went back to school in my late XXXX to finish my education so that I could get a good job. I was hired with the state of California 10 years ago and I am now XXXX XXXX XXXX. I have completed my 120 months of qualifying service and I submitted my application for forgiveness on XX/XX/XXXX. Making still working a condition is discriminatory in itself, but especially so for older workers. XXXX   XXXX XXXX can take as long as they like to finalize this processthere is no cap. But I dont have that kind of time. I need this to happen before XX/XX/XXXX or I have to forfeit. The letter I received from XXXX XXXX XXXX, after I submitted my application, stated the process of confirming my eligibility and qualifying payments may take approximately 30-90 days. I need it done in 36 days from today. I have done everything theyve asked and have never been late on a payment. It has been verified that the loans qualify. My job is certainly qualifyingIve worked for the State of California for the 120 months with no break in service. 

I hope you can help me and I thank you for trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: OH

Complaint narrative:
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX , XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report 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 2018-09-24 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: PA

Complaint narrative:
I contacted trans union in XXXX to complain that the my payment percentages were incorrect. I have missed 1 student loan payment ( XX/XX/2017 ), and yet my ontime payments are showing 95 %. I also explained that my scores with both XXXX and XXXX are both approximately 100 points higher that trans union is reporting. They temporarily increased my score by XXXX points after their investigation, and I thought all was resolved. I checked my score today only to find that they have once again lowered my ontime payment percentages when I havent missed any payments and my score has once again dropped drastically!! How is this legal??

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 2018-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
On XX/XX/2018, XXXX XXXX and XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX, OH XXXX. We applied for credit, and we were approved. We signed the contract and received the keys. On XX/XX/2018, the lender was contacted to make a payment. The lender said they had no record of the loan. Thirty-seven days from the date of the contract, On XX/XX/2018, we were told by XXXX XXXX XXXX to return the car to the dealership and that we were not approved for credit. I was told I would be in big trouble and they would have to involve the police if I didnt comply. They offered to approve a loan for an older car for a much higher interest rate. The contract I have said there could be no verbal agreements to change the contract. The contract also stated that it is a binding agreement after ten days of the execution of the contract. I have received nothing in writing. I believe this is an unfair credit practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/XXXX I was the victim of a scam. I called the XXXX XXXX   Mastercard immediately and told them what happened, to not approve the charge and to cancel my credit card. Although I did not approve the charge I was billed {$290.00} on my XXXX XXXX Mastercard. I spoke with someone at the Fraud department who told me the charge would be taken care of and I would be sent a new card. Since then I have spoken to numerous people from the fraud and billing department. Each time I am told it will be taken care of. In XXXX I was told I would have to wait to sign an affidavit before I could get credit. I waited for this letter for three weeks. When I called a third time asking about the letter I was told there was no letter and someone would take care of it. Finally, on XX/XX/XXXX I spoke with someone from the Fraud department who said she would have it off my account in three business days. I waited and called back on XX/XX/XXXX inquiring about why the charge remained on my account. I spoke with a gentleman who told me he was not sure but believed it would take seven business days. Now, it is XX/XX/XXXX and the charge still remains on my account. I am tired and frustrated of calling this credit card company and nothing is getting done. I have never dealt with such an incompetent company before. I would not recommend XXXX XXXX Mastercard.

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 2018-09-24 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: TX

Complaint narrative:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: TX

Complaint narrative:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX XXXX : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

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 2018-09-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: KEYCORP
State: WA

Complaint narrative:
I was a victim of identity theft, and there was a bank inquiry from Key Bank on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this Key Bank inquiry. 

I have tried calling Key Bank branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at Key Bank - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : Key Bank XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I open a CareCredit Master card offered by Synchrony Bank in XX/XX/2017. It was offered to me by my dentist to help with my treatment bill ( ~ {$1000.00} ). My dentist 's assistant explained that as long as I pay a minimum payment, I will not be charged an interest. I went with an e-pay, and set up to pay my monthly payment on-line. By accident ( because I agreed that my dentist charged the card again ) I just realized that the offer had an expiration date on my account past by and I have been charged almost {$200.00} interest on my account. Synchrony never sent me any warnings about the expiration date. I tried to negotiate with them but was not successful.

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 2018-09-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP
State: NC

Complaint narrative:
I have been working with SWE Homes in Texas. I purchase a mobile in XXXX and placed on some land in XXXX, NC, I sold the land and mobile home to someone and they defaulted on the land contact and purchase owner financing of the mobile with XXXX XXXX XXXX. After not being able to locate the purchaser, I tried to contact XXXX XXXX XXXX, I then later found out that XXXX land had file for bankruptcy in XXXX. In XXXX Through research I found out SWE Homes now owns the land. For months I emailed SWE I all written correspondence, inquiring about the loan in order get the home and land back on track. We no success, I find out that SWE Homes / XXXX XXXX now wants to foreclosure on the home. They did not contact me with any alternative plans, no loan modifications, not work out program. They would not respond to my emails or phones call. I never once, hide and disputed the obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: OH

Complaint narrative:
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24 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: OH

Complaint narrative:
I have filed a report several times with all 3 credit bureaus. I have attached a copy of bills and reports to all the proper organization and I still can not get any help. I need to move and buy a home and all of this is holding me back. Please see the attached documents from FTC report, XXXX Police Department, I have a address that shows as both XXXX XXXX XXXX XXXX, XXXX OH, XXXX AND/OR XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX THIS IS THE EXACT SAME ADDRESS!! Please DELETE/BLOCK/REMOVE the following items : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , BAL. {$3100.00}, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. FTC Report 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 non-monetary relief