vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
In XX/XX/XXXX I took out a loan for {$9400.00}. The interest rate was around 60 % and my payments were {$250.00} bi-weekly. In XX/XX/XXXX I did a payment deferral due to covid and they said they added it to the end of my loan. Since that time, ALL of my payments have been going toward interest-only ... my balance has not changed. I did get behind at times due to covid and set up a workout plan late in XXXX to get caught up and actually paid ahead of schedule for the workout. They were showing on the website I was current and no payments were due until XX/XX/XXXX ( 2 months after I paid the last payment for workout ). I called more than once saying I know I should being making payments but each time, the rep said they could not figure it out and recommended I make a payment of {$200.00}. Overall, I know I got behind and my original amortization would be extended, but how can you tell me I am current yet all payments are going to interest only? In XXXX I made total payments of {$4500.00}. In XXXX I made total payments of {$3700.00}. So far in XXXX I have paid {$300.00}. And today... 2 years later my principal balance is {$9300.00} ( {$110.00} less than original loan amount 2 years ago ) and my payoff today is {$13000.00}? In two years I have paid {$8600.00} and my current payoff is over {$3500.00} MORE than my original balance? 

I understand the interest rate is high, but at NO TIME during our conversations did anyone tell me that if I did a payment deferral, I would only be paying past due interest on my loan going forward unless I made up the payments. This can not be legal... so much deception. It's like they hoped I would get past due so they could " help '' me. I never checked my loan history because they made me think everything was fine and in order. I started using the website recently and that is when I noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EXPERIAN, XXXX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Experian XXXX XXXX, and XXXX directing them to REMOVE these erroneous entry as well.

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 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: IL

Complaint narrative:
On this date, XX/XX/2018 company opened a collection. 
Account # XXXX {$290.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have the XXXX Capital one credit card and recently took a balance transfer into the same account. The balance transfer is held separately at 0 % APR promotional rate for 12 months. I was told by phone twice in previous calls that any monthly payment in excess of the Interest saver payment would go to pay down the promotional balance. However, when I recently paid {$1000.00} over the Interest saver payment, it was not applied to the promotional balance and instead was applied to unbilled transactions of my regular APR account. By using this allocation method, Im shielded from paying down the promotional balance. Unless I stop using the revolving credit card, I have no ability to pay the promotional balance during the promotional period. After calling twice on XX/XX/2022, I was hung up on once, then second time was told these rules were in the terms and conditions. If this is in fact in the terms and conditions, I believe it harms consumers ability to pay off promotional balances through purposeful, hurtful shielding. I have an email which describes the conditions but does not explain that amounts paid above the interest saver option would be applied to purchases that only show on the next months statement and thus they are not honoring their stated grace period for transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On this date, XX/XX/2016 company opened a collection. 
Account # XXXX {$400.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX bank, XXXX XXXX XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.

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 2022-02-27 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX bank, XXXX XXXX XXXX, and other miscellaneous inquires has fraudulent accounts on my credit profile that need to be moved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.

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 2022-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Someone tried to open a Nordstrom credit card account using my name. They were unsuccessful. I was notified by XXXX that this took place. XXXX helped us contact them and all is well, but XXXX suggested I still report it with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: WI

Complaint narrative:
I received a mailing saying that I owed money and the debt had been sent to a debt collector. According to the letter, the original creditor was XXXXXXXX XXXX. I have never heard of or had any dealings with this bank. The two debt collection companies listed, Dynamic Recovery Solutions , LLC and XXXX XXXX XXXX XXXX  are flagged as being fraudulent on the internet. 

This is a fraudulent attempt to intimidate and extort money. 

I hope there is something the government can do to put a stop to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card. 

I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX. 

I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27 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: NJ

Complaint narrative:
XXXX XXXX This letter is a formal complaint that you have failed to follow reasonable proceeders, in your operations, in your operations to ensure maximum possible accuracy. The first 2 letters I sent included my reinvestigation and demand to comply. I requested verification from my hard inquiries and collections. These items were updated but not deleted. I have the right to an accurate credit report. I will continue to file a complaint to the Federal trade commission, XXXX XXXX XXXX, and the Consumer financial Protection Bureau. 

Code : 110 Claim company will change.

Code ; 110 Claims Company will delete.

Code112 Claims inaccurate information. Did not provide specific dispute.

Code 704 : ATTN : Fraud dept ; item blocked per valid copy of police report.

Code 014 : Claims paid before collection status.

Code 015 : credit limit/High amount incorrect.

Code 0104 : consumer claims account takeover, fraudulent charges made on account.

Code 0105 : disputes the date of last payment/ opened first delinquency/billing/closed. 

On XXXX, XXXX I requested an investigation because I felt the items were not reported correctly or legally. I am concerned about the validity and accuracy of the recent investigation. Please send me the following information used to verify the validity of the following account ; Hard Inquiries : XXXX XXXX XXXX, XX/XX/ -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collections : -XXXX XXXX XXXX XXXX $ opened XX/XX/XXXXreported XXXX Closed Accounts -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-27 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: MD

Complaint narrative:
SEE ATTACHMENTS. Please assure me that my compliant is responded to properly. I have attached all neccessary documentation. Thank 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 2022-02-27 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: VA

Complaint narrative:
Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of. 

2 ) With my lease, I have a XXXX  pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.

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 2022-02-27 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: VA

Complaint narrative:
Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX  misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of.

2 ) With my lease, I have a XXXX pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: VA

Complaint narrative:
Two Issues With XXXX XXXX XXXX XXXX with No Resolution To Date ( 3 years and counting ) 1 ) XXXX XXXX XXXX has in error posted 2 late pymts on my credit report XXXX & XX/XX/2019. In spkg to over 30 agents over the past 3 years, this is hurting my report. XXXX misapplied pymts to my taxes/ XXXX  fees vs my lease pymt. According to the lease contract, I am required to have lease pymt on time to maintain pristine pymt record. I have done that. After spending hours on the phone... finally got to a rep that " researched the acct ' and found tht it is their error. They reversed the late fees on my acct and never reversed the 2 late pymts. Said tht I would have to go to the credit bureaus to dispute and they wld approve the deletions of the 2 lates. I have disputed over and over again to all 3 bureaus, and it is STILL not deleted. Im exhausted and feel completely taken advantage of. 

2 ) With my lease, I have a XXXX  pass in my car. When XXXX fined me for tolls I paid my XXXX  tolls directly to XXXX  va. Tolls posted directly to my lease account, as they post to your lease acct in the state of VA XXXX This is problematic by itself. I sent XXXX confirmation of my payment over and over again. I have spoken to over 20 agents on this alone. STILL they have not reflected my balance as {$0.00} for XXXX  tolls ( and they have the receipts ). Lease is almost over and I dont want them to try and rob me by saying that I owe for tolls that I have paid. Help! This is my last resort for help on this account before having to secure an attorney... unnecessarily.

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 2022-02-27 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: CA

Complaint narrative:
On XX/XX/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting 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 non-monetary relief
Consumer complaint received 2022-02-27 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/22 I filed a dispute on XXXX XXXX XXXX asking for this inaccurate debt be removed from my credit report. I also sent a debt validation and verification letter. Its still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
had insurance policy with the XXXX XXXX last year, policy was cancelled by said group, due to late payment incurred through using personal financial institution payment option. informed, said group of such action, which response was that there were no options available, other that the policy would be cancelled. this then was progressed into an attachment to my personal consumer credit report as a debt collection, list as non-payment of a remaining balance for a product i would not have the access to use, once this was settled. that is ludicrous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
In 2018 I received an invoice from Jefferson Capital for {$1100.00}. This invoice has no explanation or statement. I tried for 3 years to get what this bill was in reference. Jefferson finally sent the original invoice. It's for XXXX. 
My name is misspelled on the invoice and its from an address I do not live. I am currently a XXXX customer in good standing under my real name and correct address.

Company response to consumer: Closed with explanation