vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I financed my hXXXX XXXX  through XXXX XXXX, which was bought by Synchrony Bank. I called on XX/XX/2021 for the payoff to close the loan. I was told at that time, by XXXX, that the payoff amount was {$3500.00}. I sent the check on XX/XX/2021 and mailed it. I asked for a confirmation of the payoff. 
I never received confirmation but on XX/XX/2021 I got a new bill for {$290.00}. I called and talked to XXXX XXXX and was informed that it was interest up to the date of the bill dated XX/XX/2021. 
This is the first correspondence I have received from them since it was paid off in XXXX. 
I should have gotten a confirmation or a bill from them if there was a balance or interest accumulating for 5 months. 
I have asked XXXX to return my calls but she will not. I feel that this credit company takes advantage of people and have no way to defend my credit against them.

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 2021-06-17 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: KS

Complaint narrative:
XX/XX/2021 I mailed out letters informing XXXX, Equifax and XXXX  of bad information showing up on my credit report. I let them all know this information was wrong and they needed to do a proper investigation these credit bureaus allow these creditors to place this wrongful information on my file they completely ignore me never respond to me. After being completely ignored I sent letters demanding they reply and fix these inaccuracies on my report that was on XX/XX/2021. I even sent them all letters on XX/XX/2021 stating I would report them to the team here at CFPB. They have continued to ignore me I feel like they are trying to ruin my life its just unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to XXXX, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, 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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ULRS, Inc.
State: CA

Complaint narrative:
Sporadic telephone calls from, United Legal Group, asking several questions. First they ask my name, then read off my address and ask if that's correct, ( which it is ), then ask to verify my social security number. That is where I stop them, asking what this is about. They tell me they can not give me the reason for the call until I complete their verification process. When I refused a few weeks ago ago, on a Friday, the woman said she would call me back Monday to finish ; she got that last part in after I told her I was interested, ending the call. Was out that next Monday, didn't get any call from her. Last Friday, XX/XX/2021, I received a call on my home phone, from XXXX XXXX, her # XXXX, asking for me by first and last name, then reading off my home address, as well as my post office box number, asking which one I use for mail. I refused the answer, asking her what the call was about. She said only after I answered all her questions, would she tell me the nature of the call. I refused to answer her.From there she said she would call back another time. I said, " no you won't, '' and to put me on the DO NOT CALL List. She said there isn't any " do not call list, '' to place me on. I told her good-bye, hanging up. She then called my home number, Wednesday, XX/XX/XXXX, leaving a message to call her back, at XXXX, ext. XXXX. During that same time period, around XXXX PM, she reached on my cell number, as I was at the store shopping. She asked for me by name ; I told her she had the wrong number-hanging up. Blocked her number, the XXXX, on my cell. When I got home, listening to her message, called the XXXX number, with extension, and some man answered. He said if I had a file number he could look up what the matter involved. I have no such number, having never done business with this company. Of course I wasn't going to volunteer any information. At least I got the company name, when calling XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: SC

Complaint narrative:
I applied for XXXX loan forgiveness on XX/XX/XXXX. Due to XXXX, XXXX was my 120 payment. I actually submitted paperwork on XXXX. It was confusing because there used to be 2 separate forms -- -one for employment certification and one for application for forgiveness. When I submitted the form on XXXX, I had 6 payments that still needed to be certified. On XX/XX/XXXX, I received a letter stating that my application for forgiveness was denied because at the time it was submitted I had not made 120 qualifying payments. It stated that I had now made 120 qualifying payments and needed to resubmit my application. Nowhere in this letter did it state that I needed to submit it AFTER my payment due date. 

I resubmitted it on XX/XX/XXXX. It took until XXXX to receive a response about this application. Again it was denied because I submitted it before my payment due date of XX/XX/XXXX. 

It is frustrating that it took 5 months to get that response. I have since sent a 3rd application. I am trying to buy a house. I need to student loan debt removed from my credit report to help my debt to income ratio. The loan servicer is playing games to delay the loan forgiveness. 

It is frustrating that I have played by the rules. I graduated from college in XXXX. Most of these loans would've been forgiven anyway 3 years ago except that the government is up to shenanigans. How much longer do I have to wait?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I logged into my account today ( XX/XX/2021 ) and noticed Chase had closed my credit card account. I called customer service and was told I would receive a letter, but they did not have any information available as to why the account was closed. I always paid off the card, Im wondering if they closed it because they were paying out too much in rewards. They should have called if they were closing the account, it would have been very embarrassing to try to use the card and have it declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for Transunion, XXXX, and XXXX  in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.

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 2021-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
I previously disputed an alleged collection account from Afni Inc. And it was deleted from my credit report on XX/XX/XXXX. I recently checked my XXXX  and XXXX  credit reports on XX/XX/XXXX of XXXX and noticed both these accounts had been reinserted onto my XXXX  and XXXX  credit report. I then called afni and told them this and they stated the account was valid. I never received a dunning letter 5 days before this alleged debt was reinserted back onto my credit reports. This is a violation of the section 611 ( 2 ) ( a ) of the Fair Credit Reporting Act. I am requesting that this account be permanently deleted in accordance with federal law of the Fair Credit Reporting Act Section 6 ( 2 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN 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 2021-06-17 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have asked for a copy of a signed contract between myself and LVNV funding to prove I owe them money and they have not provided any proof or any paperwork that I have entered into an agreement with then. 

They continue to report the account to the credit bureaus XXXX  and XXXX  as verified and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mandarich Law Group, LLP
State: NY

Complaint narrative:
Upon looking at my consumer report I noticed a third party debt collector furnishing an unauthorized and unrecognizable account. To further investigate this derogatory remark currently endangering my reputation with other institutions I sent XXXX this third party debt collector a validation of debt letter. In response I received a letter from Mandarich Law Group LLP claiming that they are acting as the attorney for XXXX XXXX and it was even signed by two people who apparently work there XXXX XXXX XXXX and XXXX XXXX XXXX. To my understanding if they did in fact send this letter which it seems as if it was from this law firm. They will be in violation of 15 USC 1692e ( 3 ) as well as 15 USC 1692e ( 4 ) when they threatened to garnish my pay and take my home, car and other personal properties. They gave me less than thirty days to prepare for this court date that can ruin the life of my family and I. As well as damage my reputation with other financial institution wanting to do business with me in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I am currently applying for a HELOC with XXXX XXXX. When they pulled my credit there was a credit inquiry on the account from XXXX XXXX XXXX that I did not conduct. I did not apply for any credit at all. I called them to dispute and then sent in a dispute letter through the mail that they received on XX/XX/XXXX telling them that I had not applied for any credit ( through any company ) and asked them to remove the inquiry from my bureau. They sent me a form letter denying my claim telling me that they had permissible purpose to pull my credit when I applied for the loan. I had made it clear to them that I had not applied for any loan. They did nothing to investigate my claim. If I had applied for a loan through them I would have proof of that and should have received some form of adverse action to my address. None of that happened so I did not even know someone had fraudulently applied for a loan using my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding a duplicate late payment on my credit report and I have yet to get this resolved. Their are duplicate student loan accounts reporting to my credit report for XXXX, XXXX, and Equifax in which they are affecting me negatively duplicate times. I have tried to resolve this matter with the companies and they have yet to remove the late payment from my report or even respond for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I have sent Citibank an affidavit of truth on how they have violated me since then i have received the green return receipt further proving they have seen the affidavit and exhibits, pursuant to 15 USC 1602 ( p ), 1605 ( a ), 1635 ( a ), 1692j ( a ). This was a consumer credit transaction which characterizes the transaction as one in which the party to whom credit is offered or EXTENDED is a NATURAL PERSON, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Furthermore, the finance charge in connection with ANY consumer credit transaction shall be determined as the SUM OF ALL CHARGES. SUM means TOTAL. I have explained to Citibank that under 1605 the finance charge there shouldn't be any payments, annual fees or interest.

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 2021-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to Experian, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, 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 2021-06-17 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
1. CCS COLLECTIONS I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.

Thank you for your time and help in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation