vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My name is XXXX XXXX, I have a synchrony credit card with jcpenney with an account ending in XXXX and my last four digits of my SS # XXXX. 

I have been a loyal customer for a long time and at one point, I used to be an employee working for JCpenney in XXXX, CA. I bought some items on deferred payment which now I understand what it means, and I was making bigger payments all along thinking that my payments will prevent you from charging me extra interest. I was wrong. 

I never received any notices or emails or warning that my account was going to be subjected to the deferred payment interest. Here I am jobless and going through a divorce, I got hit by XXXX dollars in Interest and another XXXX dollars in additional interest. I had to borrow the money to pay off all my debt and balance afraid more chargers will be added. Please credit me back the Interest I paid. I was not informed. It is absolutely not ethical to prey on uneducated or poor people. 

Thank you, XXXX XXXX You can reach me @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA 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 monetary relief
Consumer complaint received 2021-05-12 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from AMEX. I contacted AMEX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2019 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: GA

Complaint narrative:
I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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 received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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: OneMain Finance Corporation
State: NC

Complaint narrative:
I have always been current and on time with my payments. I was layed off due to covid 19 and my childrens schools were shut down. I had one late payment in XX/XX/2021. I tried SEVERAL times to have a deferment for that one payment and asked for it to be removed since I otherwise have an exceptional payment history. I have a right to have that taken care of due to the section 4021 of the cares act and the pandemic. I want that late payment removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted experian on multiple occasion about this account Municipal CR UN # XXXX that I have no knowledge of. They keep telling me its verified when i reach out to the company they told me they can't give me any information and received nothing fROM the experian. They received the dispute from XXXX which they were able to have them delete it. How is it the same account same company one was able to not verify the info and remove it but Experian is coming back verified that is because their computer is doing the work and noone is looking into my issue. 
i HAVE NEVER RESIDE AT XXXX XXXX XXXX, XXXX NY THIS WAS JUST ADDED BECAUSE I RECEIVED AN ALERT AND I TRIED DISPUTIONG IT NOTHING HAPPENED. MY CURRENT ADDRESS AND HAS BEEN IN XXXX XXXX FOR OVER 3 YEARS NOW. 
XXXX XXXX ACCOUNT XXXX THE SAY I HAVE BEEN LATE I CONTACTED XXXX THEY SAID THAT WAS SUPPOSED TO BE UPDATED BECAUSE I HAVE NEVER BEEN LATE. EXPERIAN IS NOT UPDATING ANYTHING THEY ARE JUST SENDING LETTERS BACK AT VERIFIED. THIS IS STOPPING ME FROM GETTING APPROVED FOR A HOME BECAUSE OF THEOR LACK OF INVESTIGATION. IT'S VERY UPSETTING,.

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 2021-05-12 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: AES/PHEAA
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I would like to be provided investigation results and be provided validation of the accounts being reported on my credit report. It is my right as a consumer to dispute information that is inaccurate and false on my credit report, please investigate and send me my updated copy of my credit report to my current address. I will attach my letters regarding the information and accounts that I would like to be removed from my credit report below. I have unauthorized inquiries on my credit report that I have no contract or no affiliation with those creditors that's reporting on my report and other information that needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an inquiry alert from XXXX regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from JPMCB. I contacted AMazon card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both CCS COLLECTIONS and XXXX XXXX XXXX. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. CCS COLLECTIONS is reporting a debt of {$880.00} and XXXX XXXX XXXX is reporting a debt for {$730.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, XXXX, Experian ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2021-05-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed in XXXX several accounts that are not mine and several others that I was never late on. Also unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Purchased a vehicle from XXXX XXXX on XX/XX/2020 with the intent the vehicle operated as expected. I test drove the vehicle without incident. After signing the documentation for purchase, I drove the vehicle home and experienced trouble. The engine loss power and back-fired. I managed to get home and called the local XXXX Dealership for a vehicle inspection. They informed me " Cylinder 5 '' misfired and has a leakage. Also, Cylinder 6 has a leakage as well. I contact XXXX  XXXX with the issue and they have given me the run-around and refuse to take my call. They say, " We stand behind all of our cars.. '' But, instead, they won't support this vehicle. The purchase price was {$62000.00} with {$3000.00} down payment. 

According to XXXX XXXX XXXX XXXX, Virginia, the vehicle requires {$13000.00} in repairs of which will not pass state inspection. Nor, will the vehicle pass emission inspection for State License Plates and Tags. The tires are completely BALD. Upon notice, which they already new before I came to the dealership the condition of the vehicle and was hoping I wouldn't discover the condition until after the 30-days warranty. The dealership is nonresponsive as the days move forward.

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 2021-05-12 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: GA

Complaint narrative:
I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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 received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX card services @ XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.

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 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed in XXXX several accounts that are not mine and several others that I was never late on. I also have unauthorized inquiries. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2021-05-12 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:
Equifax, XXXX, and XXXX  are all reporting I owe XXXX. I do not owe this amount to the car. They are reporting it was in Bankruptcy in XXXX. The car was paid off as agree on XX/XX/XXXX. 

I started a dispute with all three credit bureau in the month of XXXX and XXXX to have the erroneous information removed. All three credit bureaus came back with the information that was correctly reported. 

According to the Fair, Credit reporting agency incorrect or information being reported on my credit report which is not accurate nor do they contact the actual business to verify the information. They completely rely on XXXX XXXX and all of their information is incorrect. 

I have included files to show proof of my efforts and all three credit bureaus refused to remove incorrect information. They have violated the number of days of validation and reinvestigation. All three credit bureaus have failed to comply with the Fair Debt Collection Practices Act. My next move is to file a lawsuit against all three credit bureaus this is my last attempt to show efforts in removing the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

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 2021-05-12 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from Medical Data Systems for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with Medical Data Systems. 

The account was paid as agreed and is still listed 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 2021-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
You can see I have made {$6400.00} worth of payments ( 14 months of {$460.00} XXXX {$230.00} twice a month ) ) and it's showing I still owe {$4700.00}. 

This high of APR should be illegal!! I want this loan paid in full. {$1200.00} is enough interest for the company to earn in 14 months. 


Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Friday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Friday, XX/XX/XXXX Next Payment Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
BEEN FAXING LOAN MODIFICAITON SINCE XXXX WELLSFARGO ALWAYS LIES! HAVE PROFF OF 30 PLUS FAXES. THE WORST UN-ETHICAL, XXXX, UN-PROFESSIONAL, LYING BANK! HAVE PROFF, NEED THE NEW IRS FROM XXXX SEE BLANK FORM INCLOSED ) WAS SENT. NEED TO PUT IN FEDERAL COURT FOR VIOLATIONS AND ESPECIALY THE FDCPA ACT!

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