vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
I leased a Kia XXXX which the Lease Expired, in XXXX of this year. Because of COV-19 Delaware begin its state of emergency in early XXXX with stay at home orders. At the request of the dealer I turned my car in the end of XXXX. Two weeks later I logged into my Kia Motors Finance account to see my end of year lease report which showed {$0.00} due. I was under miles, no damage, etc. 

3 weeks ago which WAS 4 months after I turned in the lease I get a bill for {$9300.00}. 

Excess MIleage Charge {$8300.00} Turn In Fee {$400.00} Unpaid Lease Payment {$450.00} XXXX XXXX and Taxes {$180.00} The bill shocked me since 4 months had past and when I logged into my account previously it said {$0.00} due. What also shocked me was the Excess Mileage car because my car only had @ XXXX miles on it when I turned it in which was not even past the XXXX i was allowed each YEAR. 

I called to dispute. I learned that the dealer added another XXXX on the mileage so it looked like I had XXXX. That was quickly corrected. I was then told I still owed a payment for XXXX. I explained I'm not paying fo a payment for a car I didn't have which I turned in early because Emergency stay at home orders. I asked for a letter explaining why, and they told me to talk to the Dealer. I explained I'm not working with the dealer as I was told everything would be fine, and I am disputing the remaining balance. They are refusing to even attempt to show compassion during this COV19. If this is no resolved through this channel the next step will be a complaint with my state Attorney General 's Office.

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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc.
State: NC

Complaint narrative:
In XXXX US Auto Sales decided to pay off the current car I had because it was going to cost to much to fix. They allowed me to get another car, they did not verify my employment and I had lost my job XX/XX/20. Nobody verified the employment at all. I got the car anyway and I managed to pay the payment with what I had in my savings account. Then when I found another job the pay was bi weekly and I tried to get them to change my payment dates and they would NOT change it. They have a GPS thing on the car so they can shut it off when they feel like it. They have shut it off 2 times I know of and I got my hands on some money so I went and got another car. I went and turned in the tags on Monday XX/XX/20 cancelled the insurance on the car. I then called US Auto @ XXXX and told them to come get the car, that I did not want it anymore. They read me the disclosure for the repo and I agreed. I got a phone call today from them today harassing me about the " past due '' amount. I missed a call from them yesterday as well. They clearly DO NOT check the account notes before they start calling and harassing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
I have multiple derogatory account reporting to all three credit reporting agency, that do not belong to be, I do not own them any money. I never done business from any of these companies or received services. This is stopping me from buying a home

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 2020-08-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: OH

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
After checking my credit and receiving a copy of my credit report. I noticed an account that doesn't belong to me. I disputed it with XXXX XXXX as well as the company midland funding for XXXX dollars. The issue has not been resolved and the item hasn't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: VA

Complaint narrative:
I set up an account with Discover card company. The agreement was no interest for 21 months on balance transfers. I transfered a little over {$8000.00}. I paid aprrox. {$300.00} a month for a year. Then I noticed discover started charging me interest. they said I had paid off all the balance transfer. Impossible as I had only paid {$3600.00}. I had a bad charge on the card of about {$5000.00}. When the charge was finally settled discover added the XXXX to the balance transfer and said the agreement was satified. The bad charge was NOT a balance transfer. They then started charging me the normal interest rate for charges. 
I called many times and talked to different people ; I talked to a supervisior and they said they would look into it. I kept calling but no answers. I transfered {$4000.00} out of the account and I am trying to get the rest transfered out, but mean while I am paying interest which I should not have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12 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: GA

Complaint narrative:
Disputed information with Experian in reference to XXXX XXXX XXXX. Account was sold to XXXX. 
XXXX repoed my vehicle on XX/XX/20, auctioned on XX/XX/20. I explained to Experian XXXX ( XXXX XXXX XXXX ) had my new address and repoed the truck, as well XXXX intentionally sent the redemption letter to my address, through regular mail ( Not certified- per GA Law ). As well XXXX XXXX is reporting the repo ands showing I never made any payments and reporting the full amount of the contract. I reported the same information to XXXX  ( who has deleted the file ) as well to XXXX  ( no response yet ). I sent Experian screen shots of payments, which showed the original amount of the contract and they still updated the information as Accurate. I personally believe they did no investigation and just updated it without reviewing.

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 2020-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I sent a letter and emails it vendor. Never Received a response to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CO

Complaint narrative:
I have 6 XXXX  XXXX XXXX accounts that are inaccurately reported with Experian. I have tried multiple times to correct, requested method of verification, etc with no results. The issue has been fixed with the other credit bureaus. Experian continues to report late payments when there were none-the account was in an approved forebearance due to medical Issues. An example of the error is that it will report ok payment history for 3 consecutive months, then report a 90 day late. How can it be 90 days late if it was ok the month prior. There are also several months of ND or no data reported, which is inaccurate.

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 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Experian, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 

On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 

I proceed to send a letter to Experian on XX/XX/2020 and attached the letter I received from XXXX. Experian responded back with a letter that said that This section includes public record items Experian obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 

I was confused to how Experian verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for XXXX, XXXX  performs the matching. 

I then again proceeded to send letters to Experian dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Experian. 

Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Experian for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Experian. Experian has failed once again to comply with the FCRA. '' Attached is all documentation regarding my complaint against Experian. 

I ask that Experian complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from 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 2020-08-12 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: SC

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/2020 I made a payment to First Progress Credit Card via XXXX at XXXX my Transaction ID # XXXX Refernce # XXXX. I received my XX/XX/2020 statement and my XX/XX/2020 payment is not reflected. I called On Monday XX/XX/2020 and spoke with a customer representative and did not get anywhere. I mailed in a copy of my receipt as of today to First Progress along with a money order for my balance on my account. I have two accounts with First Progress Credit Card. I would like my account to reflect my {$40.00} dollar payment as reflected on my receipt and I would like both of my accounts closed and refunded a total of {$400.00} mailed to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
Exeter Finance has hired someone who is contacting many people that are related to my fianc and asking for my address and information stating that they were hired to do a service for my upcoming wedding and need to get in contact with me regarding the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you today regarding an alleged dismissed bankruptcy that is reporting on my credit reports. I have disputed it with XXXX, and they removed it from my Consumer File. I then proceeded to dispute the bankruptcy with Equifax, and they are not complying appropriately with the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all the supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Equifax on XX/XX/2020 and attached the letter I received from XXXX. Equifax responded back with a letter that said that This section includes public record items Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Equifax verified this information since XXXX had already removed it from my consumer report. I went to the recommended website to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Equifax, Equifax performs the matching. 
I then again proceeded to send letters to Equifax dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Equifax. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking, this letter has been received on XX/XX/2020. In this letter, I asked Equifax for a description of the procedure used to determine the accuracy and completeness of the investigations performed on my credit report. According to the Fair Credit Reporting Act : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if reasonably available ; It is now XX/XX/2020 and I have not received a response from Equifax. Equifax has failed once again to comply with the FCRA. 
Attached is all documentation regarding my complaint against Equifax. 
I ask that Equifax complies to the Fair Credit Reporting Act and removes the item Chapter XXXX  Bankruptcy case number XXXX from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried to get additional assistance from American Express due to lack of work or funds. They have offered a payment plan however I have expressed to them that I don't have funds to make the payments. I have asked for a couple of months deferral however they will not offer that to me. I am in an area that has been hit by COVID 19 in a major way. I live in XXXX Texas. This area is one of the highest affected by COVID 19. American Express will not help me with extending the payments due to this problem. I'm not sure what else to do at this point but to report them because they are not offering any assistance to extend payments until things get better in this area. Please help me in my situation with them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a citibank card that had no balance. I turned off the autopay during the COVID19. I used the card and forgot the autopay was off. I made a payment after the date when I logged in and saw there was no payment made. Then I was charged a late fee of {$29.00}.

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 monetary relief