vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Recently discovered that I've been charged for card security program on my Care Credit card ever since opening the account in 2016. I never purchase card security on my accounts. The company states they would not have added it without a verbal or written request. But when I first opened this account it was at a dentist office when I was scheduled to have some expensive dental work done, they offered to do financing for me. They advised me of the payment terms, so many months without interest to pay and I agreed. I didn't even realize until later that they had set me up with an actual credit card, I thought it was just financing through their office. Anyway, I set up my account online with Care Credit website & made my payments. I have since used the card many times for other services. I always log in to the website, where I see the balance, recent transactions, payment owed, & option to make my payment. I never had any reason to even look at my actual printed statements until recently when I was trying to figure out the date of a past purchase. When I looked at the actual statement from several months ago I was shocked to see {$15.00} charge for card security. Checked all my statements from past year & found out I've been charged every month. When I called to complain they cancelled it, but would only refund last few months. I've been paying this for 5 years without even knowing. I DID NOT Agree to this! I feel like I was tricked into this & by signing up for e-statements just made it even easier for them to hide this charge. It's so easy to just log in and see recent transactions & make a payment you don't see any need to look at the statement, but that is the only place you will see the transaction for purchasing card security! It does not show up on the " recent transactions '' summary they show you on the website.

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 2021-07-29 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: FL

Complaint narrative:
I have several completed investigations that Equifax is not letting me view on line like I have a right to do. As you can clearly see from the attached files these disputes have been completed but I have no way to view the outcome. There is supposed to be a PDF file that displays the out come but it is not there. Equifax did this deliberately to keep me from knowing the out come of their investigation out of retaliation for filing complaints against them. The evidence is apparent from the attached documents. The file called Proper results is how the investigation is supposed to be. They are supposed to attach a PDF of the results. Its clear Equifax did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: MI

Complaint narrative:
Experian has violated my privacy rights by furnishing a consumer report in which I gave them no written authority to do so. They have shared this information with other which is also a federal violation. 

Pursuant to 15 US Code 1681b ( 2 ), a consumer reporting agency can only report with written instructions of the consumer to whom it relates. The CFPB states that identity theft is when someone uses any identifying information without authorization.

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 2021-07-29 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: FL

Complaint narrative:
Experian, XXXX  and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX XXXX ) Then they told Experian  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see Experian 1 ) Then they told Experian that as of XX/XX/XXXX my balance was {$440.00} ( see Experian 2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told Experian as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See Experian Current ) Then they told Experian that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See Experian 4 ), They have told so many different versions nothing they say should be deemed as credible. Experian, XXXX  and XXXX  knows this information. I supplied Experian, XXXX  and XXXX  with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told Experian that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on 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 2021-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
The first week in XX/XX/2021 I Changed my home owners insurance From XXXX XXXX to XXXX XXXX. I followed the link provided by my mortgage company and uploaded the declaration binder per their instructions. 

On XX/XX/2021 The mortgage company disbursed the payment to XXXX XXXX. 
My account at XXXX XXXX states paid in full. I could see the change on my account at the mortgage company so I believed everything was fine. 

On XX/XX/2021 I received an email from the mortgage company stating they had just made my insurance payment. Suspicious at this point I investigated and shocked to find that my mortgage company ( Specialized Loan Servicing ) Had disbursed another payment to the other insurance company, XXXX XXXX, which I already cancelled. 

This caused an escrow shortage of over {$2000.00} I have an email from the mortgage company admitting they made a mistake and telling me to return the money when I get it refunded from XXXX XXXX. 

It has been 15 days and XXXX XXXX claims they never received the payment. 
XXXX mutual has asked me to provide the check number showing proof that it cleared the bank. Specialized Loan Servicing has refused to give me this information when I requested it and started giving me the run around. Now they threaten to punish me for the mess they created by adjusting for the XXXX escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is not allowing customers any information online, not allowing us to purchase a report and not mailing reports. It's a huge problem. Have been constantly told we can't even get our scores online or in a report. Why? This is a year long problem. Enough is enough.

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 2021-07-29 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: PA

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
XXXX, Transunion and XXXX  are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told Transunion that in XXXX of XXXX my balance was {$350.00} ( See Transunion XXXX ). Then they told Transunion as of XX/XX/XXXX I had missed no Payments. ( See Transunion 1 ). Then they told XXXX  as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told XXXX  then how was my balance {$350.00} in XX/XX/XXXX as they told Transunion? Then they told XXXX  that as of XXXX I had made no payments. ( See payment sheet and account details XXXX  XXXX ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see XXXX  XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told Transunion as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, XXXX  and Transunion knows this information. I supplied XXXX XXXX and Transunion with copies of all the attached documents a few weeks ago. They told XXXX  as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told XXXX  that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 XXXX  ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on 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 2021-07-29 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: FL

Complaint narrative:
XXXX XXXX and Equifax are knowingly and deliberately allowing XXXX XXXX XXXX  to report false information. This is illegal yet they continue to allow it. XXXX XXXX has told numerous different accounts of the same debt and they are unreliable. First they told XXXX  that in XXXX of XXXX my balance was {$350.00} ( See XXXX  XXXX ). Then they told XXXX  as of XX/XX/XXXX I had missed no Payments. ( See XXXX  1 ). Then they told Equifax as of XXXX the XXXX my balance was {$440.00} and I only made one payment and the original balance was {$480.00}. If the original balance was XXXX and I made no payments as they told Equifax then how was my balance {$350.00} in XX/XX/XXXX as they told XXXX? Then they told Equifax that as of XXXX I had made no payments. ( See payment sheet and account details Equifax XXXX ) Then they told Equifax that as of XX/XX/XXXX my balance was {$440.00} and I still had made no payments. ( see Equifax XXXX ) Then they told XXXX  that in XX/XX/XXXX my balance was {$350.00} and I had made a recent {$90.00} payment. ( see XXXX  1 ) Then they told XXXX  that as of XX/XX/XXXX my balance was {$440.00} ( see XXXX  2 ) yet they told XXXX  as of XX/XX/XXXX my balance was {$350.00} and I had made a recent payment. Then they told XXXX  as of XX/XX/XXXX my balance was {$350.00} but I had made no payments at all on the debt. If the original balance was {$480.00}. and I made no payments how the balance come down to {$350.00}? ( See XXXX  Current ) Then they told XXXX  that as of XX/XX/XXXX My balance was {$350.00} and I had made no payments at all ( See XXXX  4 ), They have told so many different versions nothing they say should be deemed as credible. XXXX, Equifax and XXXX  knows this information. I supplied XXXX, Equifax and XXXX  with copies of all the attached documents a few weeks ago. They told Equifax as of XX/XX/XXXX my balance was {$440.00} yet they told XXXX  that on as of XX/XX/XXXX my balance was XXXX. Which was it {$350.00} or {$440.00}. It could not have been both. Then they told Equifax that I made no payments at all. This was after saying I made on {$40.00} Payment. ( See Attg2 Equifax ). Which version of this debt is correct. It s obvious XXXX XXXX is unreliable and should nit be allowed to have their trade line on my credit report/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA and AES Loan originated with PHEAA was consolidated and was then serviced by AES. The loan amounts are incorrect. I do not owe the amounts listed under PHEAA and or AES. I asked for loan information ie amounts borrowed and total amount owed in XXXX of XXXX. I have yet to receive any information. The total amount of student loan debt listed on my credit reports is far more than the maximum amounts that can be borrowed for XXXX. Essentially, I am being charged XXXX XXXX XXXX dollars in interest payments. These balances are incorrect. Please furnish all loan consolidation and amounts borrowed all information for XXXX PHEAA/AES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: ERC
State: TX

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.

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 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This debt was open fraudulent this debt is now sold again for the third time i dnt owe this debt i do not have a contract with midland credit management please remove from my credit report

Company response to consumer: Closed with non-monetary relief