vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Comenity Bank late charges when account was paid on time that are error & fraud by Comenity Bank because I wasnt late. I have already filed complaint with XXXX & Alabama Consumer Complaint. There are hundreds of other victims per XXXX XXXX XXXX XXXX with same problem I was advised by XXXX 

I made purchase XX/XX/2022 and returned few items I was over charged for 2 items. I was credited with some of the items but its still not correct. I paid account in full of {$48.00} on XX/XX/2022 on phone payment. 

I had {$30.00} late fee pop up on my account which was paid on time. I thought it would resolve and be removed that it was just billing error. Comenity Collection Department keeps adding fees and placed over at XXXX Credit Bureau as late not paid lowering my score from XXXX to XXXX. 

Now Comenity Bank has harassing calls daily 24/7 and text. I have erased most of their calls but saved a few of recent harassment. 

I could pay the fee but I dont owe fee. Im seeking lawsuit and penalties fir Comenity Bank for fraudulent transactions that others at XXXX XXXX XXXX has noted as a consumer problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XXXX of XXXX, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. If I was late like they claim why did they approve me for the Permanent Modification? There was {$16000.00} in arrears that were placed as a balloon payment in the modification so they were not suppose to be reporting anything late. Attorney XXXX XXXX, XXXX. told me I could file suit against them but we didn't have the money at the time to do so. I applied for credit and was told my credit score was low and the reason why is because of the mortgage late, even though they are almost 7 years old. I have a spreadsheet I downloaded from their website showing all of the on time payments. Also have a letter XXXX XXXX  had sent our attorney at the time stating all payments being current. Payments had a grace period in which we kept it within that grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX and I am currently dealing with a tribal loan ( Big Picture Loans ) with illegal interest rates. I owe over XXXX dollars for a XXXX loan. If anyone can assist me, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have reached out to All three companies to resolve the issue. 
My rights have been violated according to FCRA Please protect my rights and hold these agencies accountable for continually my rights. 

15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -World Acceptance corpora XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Mitsubishi Motors North America, Inc.
State: VA

Complaint narrative:
XXXX XXXX is a company that I want to get a car 2021 Mitsubishi Maroge and I has so many issues with that loan. It just never fails I feel like I never was paying anything I was paying over {$3000.00} towards the car and it still interest is kept going and the person that sold me the car it was if you already he did some things of saying dont tell the bank that youre going to get the car because I had a cosigner and the person surrendered the vehicle I did not surrender the vehicle. I told him that I no longer can afford the payments and he never told me that he was going to run to the vehicle. His name is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

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 2023-04-14 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I asked Alliant Credit Union in XXXX for a loan online, and they told me that they would not perform a hard credit pull only a soft one, and then they did a hard credit pull that appeared on my credit report. I did not authorize the hard credit pull for them to make this inquiry. I would like their inquiry on XX/XX/2023 removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I had two capital one credit cards payed both off unfortunately it was. Reported not paid for both

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: NY

Complaint narrative:
The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus have inaccurately reported last active date, date last reported this is grounds for removal they also have violated my rights under : 15U.S.C.1681 section 602 A. States I have a 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.

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 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
For example on the XXXX car acct. that belonged to my mother and she has passed away. Because she would give me the money and i would pay with my debit card they assume that the acct is mine.

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
Someone else opened up account with Asipre credit card in my name without my permission. I wasn't aware of it until I received the bill. I contacted the card company and made them aware. 
They questioned my about everything. I found out threw them that the account had a different phone number and email attached to the account and I was unable to get any other information about the account. I couldn't even find out what was purchased and from where is was. 
So this went on for six months. 
Until it was put into collections. The card company took my information and used it against me. When I wasn't able to access the account and I also requested proof of purchases from the charges that I have attached to my name. I contacted the credit report agency to dispute the charges and I am still trying to find out why I am responsible for this account. 
Can you please help me in this situation on finding out what is happening to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received an email stating that my Sam 's Club card ( membership costs {$50.00} annually ) was in a negative balance of {$30.00} on my Sam 's Cub Mastercard. This didn't make sense because my membership fee is automatically paid from my Amazon Visa card, and I have never owned that particular Mastercard. I called the number provided and spoke with a man telling me that I had to have had the Sam 's club Mastercard but I could pay the {$30.00} to pull my account out of the red or I could pay the {$50.00} and be cleared for the year. He also stated that since the account was in the negative, I had to pay with a debit card, NOT a credit card because this type of transaction was turned over to this business " Synchrony Bank '', and I would have to physically go to my local Sam 's Club to get the card payment situation straight. So, like an XXXX, I gave out my debit card number and paid {$50.00}. I kept the receipt from this company and have it if it's 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 2023-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
First- OneMain has CONTINUOUSLY added lender placed insurance to my secured personal loan that was secured with my car. They NEVER warn me that it will be added and then when I show them proof that I have insurance ( and have always had insurance ) they never refund the full amount they charged. Additionally, they charge interest of 30 % on the lender placed insurance for the month they have it on. Most recently, I showed them proof of insurance, and they didnt remove it. Then after 11 months, they did remove the charge. But then they added it back a few days later. They FINALLY removed it- but NEVER credited the interest I paid for over a year on {$500.00}. Also- the max interest allowed by law in NJ is 16 % on an auto loan- but they say mine is a secured personal loan and charge me 30 %. But they wont tell me the difference between a personal loan that is secured by an auto and a regular loan that is secured by an auto.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KS

Complaint narrative:
I was having internet connectivity issues nonstop and closed our att account due to thier service. We do not have a drop of location nearby and needed a shipping label. We were able to get with someone to get us the shipping lable and sent off the equipment the same day In XXXX! Not thinking anything of it in XXXX, This Creditor is on my report. We immediately contact XXXX ( XX/XX/XXXX ) to find out that att never processed the returned equipment. We never received a bill from att or anything, they just automatically sent it to collections! We had the shipping information and even delivery date. They have slowly started processing the returns. But this Creditor should have never been on my report. XXXX  had thier equipment and should have never sent that to collections. I have a text log with att in regards to this along with proof of delivery/shipping information sent to us from XXXX This was an inaccurate and unjust bill sent to collections by XXXX. They had their equipment returned before sending this to collections and did not process it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 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: IA

Complaint narrative:
I sent out multiple letters to the credit reporting agency ( Experian ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX years old who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and social confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.

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 2023-04-14 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: U.S. BANCORP
State: CT

Complaint narrative:
Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed 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 non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
NO CONTRACT WITH LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I check my liittle that I have set up with Gemini. I don't invest a lot because it's crypto currency and I'm exploring but buy little amounts. The account last week was around {$500.00}, and all of a sudden my account has been frozen. 

I tried to call and can only email which I did to ask why. 

There has been no response and this AM I found a phone number and called. I got some recording. I'm sure there won't be a reply. 

Something is wrong. I can't even pull the funds out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: TN

Complaint narrative:
Dear Sallie Mae, I am writing to request the removal of a delinquency reported to the various credit reporting agencies that was submitted by Sallie Mae on XX/XX/2023 regarding account ending in XXXX. 

I have used Sallie Mae extensively for nearly a decade to help finance the education of my 2 sons XXXX and XXXX. I have taken out a total of 10 loans in 8 years. In that time span I have never been reported as delinquent. I have repaid 4 of those loans ( XXXX, XXXX, XXXX, XXXX ). I also have 4 loans that are currently on auto draft from my checking account ( XXXX, XXXX, XXXX, XXXX ). 

Recently I took out 2 additional loans ( XXXX, XXXX ). My understanding was they were in the process of being placed in deferment, as my son is still in school. I was also working on the assumption that they were setup on autopay like the others and would begin to draft once things were coordinated with the institution my son attends. That institution is XXXXXXXX XXXX XXXX XXXX ( XXXX ). Since taking out these loans recently I have not communicated with Sallie Mae until today. 

Thinking everything was fine I was shocked by what happened. This morning I was notified by an XXXX alert that my credit score dropped by XXXX points!! I logged onto XXXX and found that Sallie Mae had reported 1 of the 2 new accounts delinquent. I immediately logged onto Sallie Mae and made a payment to bring these loans current. Then I contacted Sallie Mae about the issue and was told that my only recourse was to write a letter and was given a mailing address verbally. 

I had a XXXX score that dropped to XXXX overnight, making it next to impossible for me to get credit now. I had a XXXX score because I have never had a negative item on my credit report in my entire life, and XXXX XXXX XXXX XXXX! Currently Im dealing with some health issues. It is frightening to think I could have a medical emergency and not be able to get credit because of a simple miscommunication. 

Please review my account and verify what I have said. The only reason these payments were not made is because of communication issues between Sallie Mae, XXXX, and myself. As I have brought the account current, I am requesting the delinquency be removed from the credit reporting agencies due to extenuating circumstances. 

Hopefully my extensive history with Sallie Mae, and the difficult and time-consuming coordination with educational institutions that are requisite in this process, will weigh favorably in your decision. Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a mattress from Mattress Firm. They have a policy, if you don't like the bed, you're allowed a replacement. I did not like any of the beds, and they were returned. 

I later went online and found another mattress from Mattress Firm for {$540.00}, although online it said memorial days sale of {$500.00}. No problem, I accepted the {$540.00} and financed it through Synchrony Bank, credit card # : XXXX XXXX XXXX XXXX. I made payments on time. I received a paperbill initially and was told my bed now cost {$990.00}. I emailed synchrony bank and was told it would take up to three months to get the paperwork together. 

Guess they figured it out, so my bill is now {$540.00}, but each month I pay it down, it increases. As of today, I owe {$87.00}, however, via a message from Synchrony Bank yesterday ( XX/XX/XXXX ), I'm told my balance is {$210.00}. During XX/XX/2023, they charged me {$72.00} in interest. Previous interest has been $ XXXX dollars. 

I sent them an email, and they said my balance keeps increasing because I missed the promotion they claim they sent me via mail. I only received a bill in the mail once and immediately contacted them about the promotion. I was told I missed it, so therefore my payments would increase. HUH! 

They now send email statements showing me my balance. There is nothing on the balance showing sheet about a promotion. It says how much is due, and I pay it. My understanding from my one phone conversation, and from their messages to me is, if I don't respond or accept their 'promotion ', then they have the right to keep increasing my balance. 

As I make the payment for this month, my balance will be {$50.00}, and I plan to pay it and make no more payments. I've paid my bill on time and I've paid their interest, but, I'm confused as to why I have to pay these 'promotional " fees. Do I need to get a lawyer? Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
According to fcra collection agency need to provide legal documents that prove I am legally responsible for this debt. I require them to send me the signed agreement with my signature on it

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