vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 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: TX

Complaint narrative:
An account dispute letter was mailed to Experian via Certified mail on XX/XX/2021. In that letter, it was requested that Experian verify the account with a copy of the following items : 1. Original contract 2. Payoff Disclosure 3. Interest Rate Disclosure 4. Balance History 5. Payment History 6. Credit Insurance Experian decided the account was verified and did not send me proof of verification. Experian also has not responded to me via mail. I received my status via Experian App. It is approaching 30 days with no proper response or verification that the account belongs to me.

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 2021-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
It appears that the company is overcharging interst for purchases made. As the attached statements show purchases made at any time ( even the day before ) the statement closing date are charged a full month 's worth of interest on that charge on the next closing date whether it was purchased it one day before the statement closing date or three weeks ago. 
Over payments are not allocated to highest interest rate charges first, every single month my over payments have been applied to PAY OFF my zero interest promotional charges. So despite paying both my promotional payment and an amount necessary to pay off interest bearing charges before my statement closing date, they apply the payments ONLY TO THE PROMOTIONAL balances and charged me interest. When I called to dispute this the customer service rep was rude and absolutely no help whatsoever. 

On XX/XX/2021 when I called to inquire why promo balances are being paid off instead of applying overpayments to interest bearing charges, I was told that there is a drop down box on their website to choose to allocate my payment to my non-promo balance, I was literally on the website in the payment section while speaking with her and and there was no way to allocate my payment. She then told me the only way to allocate the payment is to call in and ask a customer service rep to do it. 

I had called on XX/XX/2021 and asked to pay off my promotional balance, the rep told me the amount to pay, took my payment ( XXXX ), then when I asked if I had a zero promotional balance he told me that it wasn't allocated to my promo balance and he would have to put in a request to apply it to my promotional balance and I would see it in the next 2 to 3 billing cycles which completely defeats the purpose of paying off a promotional balance to avoid interest charges. 

Today ( XX/XX/2021 ) I received the attached letter stating that they could not accomodate my request to allocate my payment because federal regulations require that over payments be applied to highest interest bearing charges first. Which is absolutely not how any of my payments have ever been applied considering they have been applying my overpayments to 0 % interest promotional balances.

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 2021-12-15 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXXXXXX XXXX XXXX-XXXX-Balance {$310.00} XXXX XXXX XXXXXXXX-Balance {$5000.00} XXXX XXXXXXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
I received notice of a collection account added to my credit report in XXXX of XXXX. 
I looked at my credit report to see what it was, as I had not received any notice prior to this. The report was from National Credit Adjusters in the amount of {$340.00}. There had not been any contact via telephone, or written notice prior to this. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. 

I immediately asked for a debt validation from the company. What I received was a bill from XXXX XXXX XXXX. This does not match the listed original creditor. 

I also do not believe this to be a validation of National Credit Adjusters having the legal ability to collect this debt. They provided no proof or documention that they have legal authorization to collect this debt or that the ability to collect has been transferred to NCA from XXXX XXXX. There has been no document with my ( the alleged debtor ) signature or contract with XXXX XXXX. 

On my credit report, where TXXXX XXXX is listed, it states that the debt has been sold to XXXX XXXX XXXX, so I do not now how or why National Credit Adjusters has reported on my credit reports. 

In XXXX of XXXX, I sent another request for validation and again received the copy of a bill from XXXX XXXX On XX/XX/XXXX, which leads me to believe they are not able to show that they are legally authorized to collect on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month

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 2021-12-15 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Thease accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  XXXX XXXX  Case Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2021-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..

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 2021-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Daily phone call harassments from " Portfolio Recovery '' on my cell phone. I have never given them permission to call my cell number and I am registered on the do not call list. They never leave a message and call from a different number and location from all over the country every day typically at the exact same time in the afternoon. I have no outstanding debt on my credit report and have a credit score of XXXX. I do not owe anyone any money, have never received any written notification of debt in the mail. This is a robocalling scam and I want it to stop immediately. If they have a legitimate debt issue to resolve in my name- send me a letter and I will address it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
DATE OF TEXT : XX/XX/21 @ XXXX FROM XXXX ( XXXX ) XXXX CITI ALERT : WE CANCELED AN UNAUTHORIZED WIRE TRANSFER OF {$1500.00} ON XXXX, CLICK HERE HTTPS : XXXX FOR VERIFICATION! THANK YOU THIS IS A SCAM

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 2021-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
In late XX/XX/2021, I was notified that I had a delinquency on my credit, and my credit score dropped XXXX points. After reviewing my lines of credit, I saw that there was a Hyundai line of credit showing the delinquency. The balance of the line of credit was {$12000.00} I contacted Hyundai Motor Finance to discover that there was a Lease on in my name. I was trying to inform them that this was a fraudulent account, and that I knew the person that signed this lease fraudulently, but was receiving no help from them. I was getting cycled around through their phone lines when finally I got redirected to the Finance Department for a third time. This time though, I requested a copy of the Motor Vehicle Lease Agreement so that I could see the signatures on the paperwork. After a couple of days I received it. After reviewing the paperwork, I discovered that the signature on it was in fact forged. The vehicle was leased in Arizona. I currently reside in Washington state and have not been to or visited Arizona. I called the person that forged my signature, who currently resides in Arizona, and she eventually admitted to commiting the forgery/identify theft to me over the phone. I continued to try and contact Hyundai, after now knowing for a fact what happened. But I was harassed by them. They did not listen to my concerns, and was insinuating that I was experiencing " buyers remorse. '' I continued to adamantly state that I did not sign or consent to this sale. I have been trying to work with the Hyundai Motor Finance Director, trying to get information on their investigation, while also providing them copies of the police report I filed. Also trying to figure out how they can proceed with repossessing the vehicle from the perpetrator since she is still in possession of it, but now they are ignoring my attempts to contact 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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello on XX/XX/XXXX Equifax reinserted an account back onto my credit report. I received absolutely no documentation from the dispute I submitted to Equifax for this account, not only is that an issue, but the fact that this account was reinserted onto my credit report and I received not document telling me why is a violation of my rights. 15 U.S.C section 1681i ( B ) ( i ) ( ii ) Requirements relating to reinsertion of previously deleted material, Equifax has failed to follow by the law set forth for me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was a Victim of the " XXXX XXXX Scam '' Wells Fargo has denied my claim, claim number XXXX. 
I believe this fraud is covered under regulation E. I authorized the transaction under false pretenses. The fraudster called me from an official wells fargo phone number, XXXX. I am not exactly sure how the fraudster was able to change the account linked to my XXXX  account, it is possible i was tricked into giving them the information they needed to do that. 
Please help. 
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 2021-12-15 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX  XXXX {$0.00} XXXX XXXX {$310.00} XXXX {$0.00}

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a capital one 360 checking account. I had been putting money into that account to buy my kids XXXX. The last time I used my card was XX/XX/2021 at the nail shop for my wife for {$48.00}. On XX/XX/2021 I received a message that the wrong pin was used which it wasn't me. I proceeded to check my account an someone had drained my account all but {$350.00} from at least 5k. I reported the card stolen an called capital one. I filed the claimed an within a weeks time they denied my claim saying they didn't see nothing wrong. There's multiple transactions of XXXX XXXX, XXXX, ATM, an several in store purchases that I DID NOT AUTHORIZE. My money is supposed to be insured and I'm being robbed by the thief an bank.i shouldn't be a victim twice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
Upon doing a IDR ( income driven repayment ) plan on my original XXXX loan taken out in XXXX, I received XXXX ( XXXX ) notices from Great Lakes XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating that the XXXX XXXX account with the XXXX XXXX XXXX XXXX, in both emails are Paid-In-Full. However, once it showed paid-in-full, I got an alert from XXXX and now shows the same loan with the EXACT information opened on XX/XX/XXXX, which i NEVER opened a new loan. This is an existing loan from XXXX. They are refusing to take this off my credit report after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial 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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was taken advantage of by the companies listed due to XXXX  where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month

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 2021-12-15 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: NM

Complaint narrative:
I have disputed negative items on my report multiple times I have not been contracted by any bureaus are notified on how the negative items on my report was verified I was looking up fcra and it states that negative items have to be verified with supporting documents and if not verified it has to be removed it has been more then a month

Company response to consumer: Closed with explanation