vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have leased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX ( the Dealership ), in XXXX, OH. At the time of signing the contract, the XXXX gave me a copy of the it without signatures, and with some white parts he would take care of filling out. In XX/XX/XXXX I have got in an accident, and trying to figure out what were my rights, I asked Honda Financial Services ( the Lessor ), which is the lessor used by the Dealership, a copy of the contract. With my surprise, they had a copy of the contract in which, other than my signatures ( which happened right after they gave me the copy at the time of getting the car ), the white parts were filled out with false data, and signed by the XXXX. In detail, the XXXX added a " verified '' comprehensive insurance coverage for the car from a XXXX policy from XXXX. It is interesting that either XXXX doesn't have a XXXX policy ( all XXXX 's XXXX are XXXX ) or I ever was insured with XXXX ( I did XXXX and still do - have XXXX for my car at the time of the lease ). I can clearly remember the XXXX at the XXXX never asked me for the policy number to add to the contract, and my policy number was not even close to the number they added to the contract. This is a clear violation of the contract, that prevented me to have my car fixed after the accident. It is important to notice that since then, I can not drive the car, but I am still paying for my lease every month. When I got in touch with the Lessor, they said it is Dealership 's responsibility. I then got in touch with the Dealership, they said they don't know how this could happen and they would investigate on that. But more than 6 months passed since then, and still waiting ( and paying for a car I ca n't drive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TN

Complaint narrative:
assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 31 CFR 306.11

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 2022-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I signed up for Synchrony 's CareCredit card at my XXXX XXXXs office in XX/XX/2020. It was marketed to me as the interest-free 24-month install payment that can help me afford XXXX XXXX for less than {$100.00} a month. So I set up an automatic payment online as advised. 

Two years later this XXXX, I was charged over {$1400.00} in interest. I called CareCredit and found out it was a deferred interest rate card. Even though I've made monthly automatic payments on my account, as long as I have any balance on my account by XXXX, I'd be charged a 26.99 % interest rate on the whole medical bill of {$2700.00}. 

As a consumer, I wasn't offered the opportunity to be educated about what a deferred interest rate means given this is not the most common credit card in the market. Synchrony 's online account portal doesn't highlight the fact, nor does it make recommendations for monthly payments that could help customers avoid the hefty interest at the end of the period. The first option of the monthly payment that I opted for was the minimum payment starting at {$85.00} a month. The monthly statement from the company also didn't highlight what it meant. When the so-called promotion ended, it didn't state so until the second page of the statement, after lots of ads. Not to mention their website is buggy and statements often failed to load. Email communications from the bank including all the ads, but no mention ever of the promotion period, deferred interesting rate, or the ending of it. 

Synchrony signed up most of their new customers through partners like my dental office, which are not always forthcoming to customers about the punitive interest rate policy and simply don't have incentives to do so because they want people to sign up for XXXX 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 2022-10-18 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: CA

Complaint narrative:
I attended the University of XXXX XXXXXXXX in the XXXX 's and early XXXX 's and originally owed about {$20000.00} and now with fees and interest, I owe more than {$100000.00} BECAUSE OF SYSTEMIC FRAUD IN THE STUDENT LOAN SYSTEM. 

Basically, MY LOANS KEEP GETTING SOLD AND RESOLD AND THERES BEEN NO COMMUNICATION IN THE PROCESS - PAYMENTS RETURNED - AND CONSTANT DEFAULT. I never know who my lenders are, what loan are in play and my payments get returned because the lender has changed and meanwhile, I go into default. 

This is a scam and for my student loans balance to have more than quadrupled is unfair and illegal based on the scam they have perpetuated against me and no doubt others. 

I believe this is a class-action issue. 

There have been NUMEROUS LENDERS OR SERVICER and I can only recall NAVIENT as being a primary source of this fraud BUT THERE ARE MANY OTHERS!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: OH

Complaint narrative:
A collection appeared on my credit report from XXXX XXXX XXXXXXXX months ago about a collection from an a apartment complex in Washington. I filed a dispute with Experian I do not live in Washington asking for a statement or what this collection was for they just verified the collection and gave me no information as to why or what this is for

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 2022-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
account resolution services XXXX bought " my '' credit file from XXXX XXXX Florida XXXX XXXX. they call XXXX XXXX XXXX times a day they mail bills and in doing so they are asking for full amount owed due to emergency room visit that are XXXX over the original amount there are XXXX collections on my XXXX and XXXX report, the problem is XXXX XXXX  waived the dept because of income except for XXXX of the XXXX amount meaning that XXXX of the XXXX had a XXXX $ balance that is now XXXX $ XXXX per claim against me. further they on my credit report change the date to the current date every month making it impossible to ever fall off my record. I am in dispute status with XXXX and with XXXX over these XXXX claims but the results were that they were valid and this can not be because the dates are changing plus the forgiveness of dept in the first place by the hospital. also XXXXXXXX XXXX said Florida physicians charges as well but that this is the problem when you go the ER at XXXX XXXX you don't see a doctor ( physicians ) you see nurses practitioners so why a separate bill to see a doctor when you never saw a doctor. these XXXX injustices need to be removed from all 3 Major credit report agencies and ARCS should be fined for date changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: BC SERVICES, INC.
State: CO

Complaint narrative:
XX/XX/2022 I sent BC Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent XXXX a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has XXXX not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and XXXX as well as both accounts credit report highlighting errors.

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 2022-10-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank locked my checking account because of suspicious activity, I was supposed to receive a paper in the mail with a number to unlock my account which I have not received in 2 months.

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 2022-10-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX {$42000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

Sincerely, XXXX 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
Consumer complaint received 2022-10-18 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on enclosed with this letter. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Please send the following information used to verify the validity The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section XXXX, and pursue legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I cosigned a student loan with Navient on behalf of my sister. Because of Navient illegal forbearance scheme the loan was mishandled. The loan qualifies for discharge under a lawsuit filed by the Attorney General of New York. She has gotten other loans discharged however Navient wants me to pay. I was a resident of New York when I helped her and has relocated to Georgia for XXXX XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2022, I applied for a credit line with XXXX. I completed the application and received a message that read : " We require additional information. '' With that, my browser crashed and I could not get back to that screen. I called and tried to get answers. Over 2 hours, I was disconnected 3x, transferred around, and given conflicting information. 

I wrote to the office of the president and never heard anything back until today. I received a voicemail from someone claiming to be XXXX. She left a phone number and an extension. After trying that number 3-4 times, I still could not get through. 

I called and spoke to a manager and she said there is no record of my application at all. When I asked her why I showed the inquiry but they don't have the application, she could not answer. She also said she could not tell me how to remove the inquiry. 

So after nearly 2 weeks and hours on the phone, I still have no idea what the status of my application is. They asked me to re-submit it but now, my credit score is lower due to their mishandling of the application.

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 2022-10-19 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: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by XXXX XXXX XXXX that I would have this debt/collection removed immediately after receiving payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark did not address any of my concerns, see their response on XXXX. 

Please be advise that I have notified the Attorney General. You all have repeatedly violated my rights as a federally protected consumer. I am now going to be pursuing further action as Lendmark is showing their willful noncompliance to federal law at my expense. I have the right to privacy and that has been breached by Lendmark. I have tried many times to rectify this situation before escalating these concerns. 

In their responses, they keep addressing me as XXXX AND stating or to whom it may concern as if I am not the one who has been filing these complaints. This is an example of their complete disrespect and disregard for how they are handling my concerns. Lendmark you have been placed on notice for the multiple violations and all I have asked for was for you to remove this unlawfully reported account from my consumer reports and you won't even do that. 

The FDCPA states that you are to cease all collection activities until you have produced verification of the alleged debt if requested by the consumer. As per the FTC, this includes reporting to the consumer reporting agencies, which you have obviously done illegally.

Company response to consumer: Closed with explanation