vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a dispute then ending up in another dispute with with the bank. 
Ive Been with 5/3 for 5+ years during that period I have been late on payment once maybe twice, after opening a dispute I was given incorrect information ( on a recorded line that was reviewed and confirmed ) by their representative who advised me not to make any payments on the amount in dispute which was my entire balance at the time yet still I was charged late fees which they refused to waive even after it was confirmed the rep gave me wrong info. So my claim was denied and I was charged 2 late fees on top of my dispute amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
I purchased a vehicle from Superior Auto in XXXX, Ohio. My loan is set up to where I pay weekly. Sometimes I've paid a month or two in advance. Recently, upon review of my auto loan account history it has become apparent to me that my payments are not being applied consistently between principal and interest. I believe the account rep and or company is not applying my payments in accordance with consumer finance law. Attempts to address this with management and the account rep to no avail. I've had to go to a different city and county to make payments at another dealership location because of the level of unprofessionalism at the office where I purchased the vehicle. While at another location a manager informed me he didn't understand what was going on with respect to how my payments were being applied and he has never saw a loan with a per diem as high as mine, when compared to loans with consumers who's credit profile is similar. 

Numerous times that I've paid {$140.00} weekly approximately half was applied toward principle and the other half applied toward interest. Other times, the split of my payments between principle and interest didn't equal the payment I made. Lastly, payment splits were applied even more disproportionately than others. Something, simply doesn't appear right. 

I have been late a few times. My late pay has sometimes been a couple of days and other times a week. I've also had a couple of returned payments. For which online payment was suspended, but has since been restored. However, I always brought the account current within 7 to 10 days. Nevertheless, my account has been current for more than 3 months. 

Recently, I resumed making {$140.00} weekly payments. The split between principle and interest has been even more disproportionately applied with the payment being applied solely to interest. When am account is current like mine the payment is supposed to go to principle and interest. 

The application of my payments to principle and interest is grossly inconsistent and has raised many red flags. I believe someone is altering payments in such a way that is lining the pockets of the account rep ( s ) and/or the company thereby violating consumer finance law and strapping me with a higher interest payment. 

Any assistance in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Until today, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank charged my card for items that I didnt order. I talked to them many times with no response or resolve. When they reported my account to credit report as delinquent, I finally paid it so my credit report, which was over XXXX at the time, would stop falling. If you check my report you can see that I had an excellent score. Any help would be appreciated.

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 2021-07-11 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: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: CT

Complaint narrative:
Equifax credit file is still showing inaccurate information as accounts being open. This is now the 3rd time I have made copies, sent with paid statements and cancelled checks along with bank statement showing the payment has been made, and they are still showing these accounts open. The next step is to hire a lawyer and start legal activity against them. This credit agency has been contacted in the past and nothing has been resolved. They routinely send me the same report untouched.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I opened an HSBC Premier Checking account around XX/XX/2021 under the promotion that advertised as 3 % cashback for direct deposit, up to a total bonus of {$120.00} per month, for up to 5 months. I have been doing my paycheck direct deposit starting from XXXX and haven't seen any cashback bonus deposited to my account as of today XX/XX/2021. I reached out to HSBC via internal message but received a very generic reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: LEXISNEXIS
State: IL

Complaint narrative:
There is a chapter XXXX bankruptcy on my report that I have been requesting a method of verification for. I sent a few emails through their system and also a certified letter. I have not gotten anything back from the company and it has been over a month now. This is also about my third time requesting this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
You would think Wells Fargo would have learned not to maintain bogus fee-charging accounts for its clients after multiple years of scandals. But it just continues... My business has an equity line, which charges an annual fee if funds are drawn. The balance is XXXX. I've asked the bank in writing to close the equity line so that I do not incur future fees. They have refused to close this open account - apparently they have some internal policy which they are clinging to, trying to justify their refusal to take action. How complicated is this? I don't recall agreeing to be subjected to more fees because a bank can't manage their own internal policies. Please close the equity line, end of story, I don't want to be charged more fees....

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 2021-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Signed up for Frontier Airlines credit card. Missed a payment due to lack of receiving a monthly statement or even notification that a payment was due until the day it was due. Received notice that account was past due the day the payment was due. Paid total balance on that day. Barclays erased all my points because of a {$29.00} past due which they did not notify me about until it was too late. The card offered XXXX points after 90 days and {$500.00} in spending. I met both of those requirements and received the XXXX points plus all the other points I accumulated. When the payment was due but not received they wiped out all my points. They never sent me a statement.

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 2021-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Once again Experian is violating the FCRA and my rights. I sent in a method of verification request for a Chapter XXXX bankruptcy and Chapter XXXX bankruptcy that says filed in 2017. Experian sent me multiple letters that it was verified by the courts. I have a letter from the court stating they do not provide that info to credit bureaus and I sent it in. I just got an alert that those accounts remains because they have been verified. Really, I sent in the paperwork. I called on Wednesday and spoke with a young man after calling 5 numbers. He now stated well maybe we verified it through a third party. Once again really you all said through the courts. So now it is ok to lie and switch up incorrect answers. This is illegal and a totally violation. They are suppose to delete those off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: LA

Complaint narrative:
I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CT

Complaint narrative:
Sent certified letter to creditor XX/XX/2021.

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 2021-07-11 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: LA

Complaint narrative:
I've been disputing my credit file with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

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 2021-07-11 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: MD

Complaint narrative:
XXXXam writing to delete the following information of my credit I believe I was a victim of identity theft I reported the theft to the Federal commission trade I have also enclosed copies of the affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-11 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: GA

Complaint narrative:
I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, 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 2021-07-11 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: GA

Complaint narrative:
I recently checked my personal credit report and found the credit bureau reporting the following addresses that does not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XXXX  credit report is showing a Hyundai motor finance negative account on my credit report as active because the Hyundai motor finance posed as me Fraudulently to make a payment on my behalf to reactivate an old account that was closed XX/XX/XXXX, my XXXX credit report shows Kia Motors finance which got sold to Hyundai in XXXX, Kia Motors shows deleted on XX/XX/XXXX from my XXXX paper copy that got sent to me on XX/XX/XXXX This negative account needs to be immediately deleted from all credit reports because this is a violation of the fair credit reporting Act showing Duplicate accounts under the same company under different names, addresses.

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 2021-07-11 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
Filed a dispute with Paypal on XXXX hair company. Although all the evidence was sent in to Paypal, as well as XXXX hair company, XXXX decides to side with the hair company by not ensuring my protection as a consumer. My cancelled purchase resulted in a financial loss in the amount of {$630.00}. In spite of all wrongdoing, as well as consumer abuse by XXXX hair company, Paypal prolonged the dispute time to where the time was also exhausted to complain with my credit union of whom my payment to Paypal was paid through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11 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: UT

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation