vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made several purchases on my PayPal account in XX/XX/XXXX. I went on and checked my previous statement balance, which was {$770.00}. The additional purchases in XX/XX/XXXXadded up to {$1000.00}. The total came of purchases plus previous statement balance came out to {$1800.00}. I made a payment of {$1400.00}. It left a balance of {$390.00}. The {$390.00} was the balance remaining for two promotional purchases I made after I paid XXXX. I then look on the next statement and realize I have {$390.00} standard interest charges. I knew that I had not made any non-promotional purchases after I made my purchase and that was the exact amount of the two purchases I made under promotional terms {$100.00} + {$280.00}. I called customer service and was expecting them to see the error and fix it. When I talked to a supervisor they started stumbling around their stories and stated that their system did not recognize me making an early payment so they applied it in a sequence order of what was purchased first. However, their explanation made no sense because in sequence order would have paid {$640.00} of standard purchases and promotional purchases that were purchased prior to the {$390.00} of promotional purchases. Their system should apply any payment to the earliest purchase, not the interest free purchases first and that is exactly what happened in this case. They attempted to rationalize it and there was no way to rationalize what happened. I am wondering how many of billions of people have been impacted by this shady and deceptive billing practice. Paypal is applying payments to promotional purchases first in order to lengthen the time they are charging for standard interest. Here is only one of the SCAMs they are running, turns out in-spite of selecting the no-interest option, they posted it as a regular credit payment and start charging 19.99 % interest. Now you might say, perhaps I made a mistake, except for the fact that I specifically chose the no-interest option as it was the primary motivator for my two purchases. The mistake I made was not closely looking at my statements, as I would have realized much sooner that I was being charged interest. I am sure I am not the only one experiencing this. I am willing to provide copies of statements but since it said not to include any account information or personal information I did not attach it. It is very clear to see that what they did was deceptive. I also read thousands of blogs and complaints online from people who experienced the same issue I did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: OK

Complaint narrative:
I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish 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
Consumer complaint received 2018-08-12 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: GA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Transunion Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX- XXXX XXXX- Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX Merchants XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Usa Inquiry from XX/XX/XXXX XXXX , XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: GA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX Unauthorized Inquiries : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Equifax Unauthorized Inquiries : XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: GA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-12 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
My husband and I had located a Certified Pre-Owned vehicle of interest through internet searches at XXXX XXXX. Since we live 5 hours away from this dealership, we were communicating with XXXX XXXX and XXXX through email and phone calls to further qualify our interest and the condition of the vehicle. We had numerous phone calls, emails, texts with XXXX over a 2 week period. On Monday, XX/XX/XXXX, we told XXXX that we would make the trip to look at the car that Saturday, XX/XX/XXXX. We asked if we could place a deposit on the vehicle so that they would hold it until we got there. She said no, that the manager would not allow it since it was the end of the month. XXXX called us on Wednesday, XX/XX/XXXX to inform us the vehicle was still there. She sent us some additional pictures, paperwork for credit applications and a credit card authorization form to obtain a deposit. She said it was to minimize our time in the dealership since we'd be traveling such a distance to get there. We submitted the completed paperwork on XX/XX/XXXX. That day, my husband 's credit score was pulled twice. Then on Saturday, XX/XX/XXXX, both of our credit scores were pulled two additional times each, for a total of 6 inquiries in two days. This was especially surprising since XXXX was aware we had an established, perfect payment history with XXXX XXXX from a different vehicle purchase earlier this year. During our multiple conversations with XXXX over the two weeks prior, we had expressed our interest in financing through XXXX XXXX with this purchase as well. Therefore, negating the need for any credit pulls whatsoever, as XXXX XXXX can approve a credit application without a credit inquiry. 

When we arrived at the dealership, not only were we upset at the unnecessary credit inquiries, we also found the car to be in unsatisfactory condition. This was advertised as a Certified Pre-Owned vehicle, yet 3 of the 4 tires needed to be replaced. One had a plug in it, and two more were at the wear bar. We were told by XXXX that there was nothing to be done since the service department had already closed. There were also very deep scratches inside the vehicle in the backseat. None of these significant details were provided to us in any of the prior conversations we had with XXXX, nor did any of her pictures portray this damage. Given our extensive research on this specific vehicle, time spent with XXXX during the two weeks prior AND the fact that we had made the appointment 5 days in advance, we were disgusted. No one from XXXX XXXX has contacted us since this incident occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Again I am writing concerning my request for correction of the error described below in regards to the mortgage on my property. After years of dealing with Ditech refusing to accept I had paid the sums to bring the mortgage balance current. On XX/XX/XXXX I paid with certified funds in the requested amount of {$410.00}. Ditech scan the check into their file and destroyed the check, they never processed it. I had to cancel the check, pay a XXXX fee and both parties had to sign an affidavit stating the check was destroyed by Ditech. During this process Ditech 's director of collections agreed that Ditech will. 
1. Refund the XXXX that was paid to cancel the official check 2. Remove the late credit reports. 
Once I received the sign affidavit from Ditech, I returned docs to my bank for processing. I called Ditech 's representative who process the payment and sent over the confirmation by email, confirmation number XXXX to bring the loan current. On XX/XX/XXXX, I received an email notification from my credit monitoring service stating Ditech has reported me again as past due. 
I have reach out to, Ditech Director of Collections and he has not return my call. One representative contacted him on instant message ; he stated : I will call him in 30 minutes, that was XX/XX/XXXX I want the two items above resolve as stated, and put in writing, not verbal over the phone. 
The last time Green tree stated I was current but never put it in writing, now again Im still dealing with this from Ditech

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writting thid due to non-comliance with the CRA [ XXXX  ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir, There are several XXXX XXXX Credits information is being updated in my credit, which have been closed months ago. When XXXX XXXX have been closed with Zero Balance, why did XXXX XXXX kept on reporting every month about closed account with zero balance. It has been communicated to XXXX XXXX that, there should not be any more activities in my account as credit card is closed and also there is no XXXX XXXX Credit card open on my name, social, address and any of my identification details. In Trans Union Credit report, I have observed that XXXX XXXX Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed XXXX XXXX XXXX and why they have been reporting every months, which have been closed and no account activity at all. XXXX the point in closing individual XXXX XXXX  XXXX cards when XXXX XXXX  abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. XXXX XXXX  Holds the complete legal accountability and responsibility at Concerned Honorable Courts and Trans Union Credit Bureau for abusing closed credit cards with zero balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over XXXX XXXX XXXX. XXXX closed they business in XX/XX/2010 and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this letter in response to XXXX recent correspondence related to my account. The Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I an requesting XXXX to do that in my case for this account. 
This debt is over 8 year old. XXXX closed they business in XXXX  and still they are reporting this debt. 

On XX/XX/2010 XXXX XXXX agreed to make account current and remove all negative marks from my personal credit file. At this time, I called back XXXX because I did not received the written document and this is when I learned that XXXX shut down their operation and refused to make any changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc.
State: MN

Complaint narrative:
I was involved with identity theft and sent my FTC report and police report to the credit bureaus and nothing has been resolve. XXXX XXXX XXXX is saying i owe {$4200.00} and i never lived in Texas nor had a Texas identification. Identity theft is something serious and I feel that the credit bureau did not take care of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
XXXX XXXX XXXX HAS A CARD IN MY NAME THAT I DID NOT AUTHORIZE! 
Original address traced back to Ohio. I do not live there and have not lived there in over 5+ years. I have tried working this out with the credit card company. It was put into collections before I found out about it. The collection company XXXX XXXX XXXX claims they have sent me multiple letters which they never did. They threatened me with a sheriff by serving me papers but I was not home. I have been in contact with the Collection Agency ( lawyers office ). 

Collections Agency ( lawyer ) said I had to appear in court if you were accepting the papers. I AM NOT ACCEPTING PAPERS FOR SOMETHING I AM NOT RESPONSIBLE FOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX XXXX account to see that my score dropped 47 points. This happened because every one of my student loan accounts had a balance increase of various amounts that resulted in over {$10000.00} total increase. My problem with this is that I've been out of school since XX/XX/XXXX. I've never received a notification from XXXX XXXX about the accrued interest on my loans being added to my credit report. I'm currently in an income driven repayment plan that has a monthly payment amount of XXXX dollars every month. It doesn't seem fair that I'm following a program based on their recommendation for my situation, but am being penalized by my score dropping tremendously. Further, the information on my credit report versus the loan details is not presented to me the same way, which seems misleading. An example being that one of my loans has a current balance of XXXX. This number has been this amount for over a year now with no accrued interest added to it until this month. So now all of a sudden the accrued interest for this loan has been reported for this account and XXXX XXXX says the balance has increased from XXXX to XXXX out of the blue. When I go to my loan details page, my current balance for this loan still says XXXX. What is reported to me versus what's reported to the credit bureaus is not presented the same way. If they can attach that interest to my loan for credit purposes than the current balance on my loan should reflect that number reported to the bureaus not the same XXXX then another section listed as " unpaid interest. '' I believe that this interest should not be added to my credit report as it has not ever been reported up until this point and it is not reflected in the current balance in the loan details page on my online portal. I feel that I am being penalized for following my repayment plan that was assigned to me by my loan servicer. If my current balance is one thing on my loan details page, it should be the same on my credit report unless the interest capitalizes and is added to the original loan amount. This style of reporting currently used by my servicer makes my loans look like a credit card account and that I'm supposedly borrowing more money and constantly changing every month. An installment loan is not a revolving credit account, thus it shouldn't be treated as one with constant changes in balances. An installment loan is only supposed to affect your credit score if you miss a payment or default. Neither of which has happened yet in seeing a 47 point drop which is ridiculous! This will adversely affect my ability to apply for a mortgage or any other lender based activity that my credit score is based on due to an account that I've never missed a single payment on. My credit worthiness is being depicted inaccurately because of this loan servicer. Please help me resolve this.

Company response to consumer: Closed with explanation