vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made a purchase on XXXX  marketplace XX/XX/24 for {$2000.00} and {$640.00} ... .I never got my order from the seller, paid with XXXX via XXXX XXXX I submitted all my documentation to the credit card company and they sided with XXXX  ... .saying I violated some term, which isn't the case... .the seller of the items who is a scammer is the one who violated the terms. I have buyer coverage and protection on my credit card and they are not honoring it.

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 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: NC

Complaint narrative:
Our Family lived at the The XXXX  XXXX  XXXX in XXXX NC located at XXXX XXXX XXXX, XXXX, NC XXXX, P : XXXX, XXXX. We lived there for 2 years and 3 months. Upon move out on XX/XX/XXXX they tried to create an invalid debt. They manufactured charges and would not provide proof. They then sent the debt to a collection agency a few days after we moved out. No Validation of Debt letter was sent. The collection agency, Hunter Warfield, XXXX, continually called and did not provide a validation of debt or allow us to dispute. We called the Apartment Management to dispute and they agreed the fees were in error. We requested validation of the debt and they declined to provide. They said the letter was sent but couldn't provide me a copy or an email version. I asked for proof of the charges, documentation for their claim. They declined to provide. 

I am able to provide complete photos of the apartment timed stamped on move out day as well as video showing the apartment was in great condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I received a call from XXXX stating that I had {$1800.00} debt owed. As my credit score is over XXXX I was sure this was a scam, and when pressed on who I owed this debt to they simply said they would remove me from the call list. This was clearly a fake call and scam attempt. It is scary that these scammers exist and are calling old people in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I currently have a loan with this company. I monitor my scores on all levels with all 3 agencies because there are lots of weird issues that I have and have tried disputing which companies don't seem to care about the law. I went to refinance this loan and they denied me stating I had an Equifax score of XXXX, which I have never had and I kindly said you must have a mistake. I called Equifax 5 mins later requested my report from them, asked if my score was indeed that low and they said no. The company states they use the vantage 3 scoring model which I can see is and was at XXXX that day. I requested to that companies cooperate number and I notified the customer relations department. I was contacted by a member and she said it was shown as XXXX however weirdly enough thats not the score she sees in her system, and not what shown now. she told me to call the branch I had requested the loan again. I was told by Equifax employee my score was not 400+ that there is no way they would show that if they were simply using the information provided by Equifax . The store assured me they dont use any scorring models of their own, simply Equifax information. Equifax told me to have them run my credit again which they did and another inquirie on my report and they have a score again well below my score. Denied for the loan I dispute the score, I requested a copy of the report they used to make the determination which they denied. There own website has a check your credit score tab which also showed my score to be almost 600 and they still would not listen to me or provide me any fair information that shows me how they can deny me with a score that wasnt mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Syncapay, Inc
State: MN

Complaint narrative:
I wasn't able to download it to my digital wallet as advertised. They then charged a {$4.00} " Monthly Maintenance Fee '' for a digital card which makes no sense. When the card expired ( 12 months from date of issue ), they charged a {$12.00} reissue fee which covers shipping and handling for a replacement digital card with no shipping or handling. The process for requesting a replacement card is unduly burdensome. Despite it being an electronic card and all communications being done electronically, to request a replacement card, you have to print and send a form via u.s. mail that must be received by a certain date. There is no mention at the time of requesting a replacement card that there is a {$12.00} fee. As a result, my {$80.00} prepaid card is now {$50.00} and who knows if/when I'll receive a replacement. When I asked to waive the fees, I was told both the reissue fee and maintenance fees " can't be waived. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: FL

Complaint narrative:
Regarding my Equifax and XXXX credit reports, I have previously filed disputes that were resolved regarding a debt with XXXX XXXX XXXX as well as XXXX. These disputes were successfully resolved on my credit reports with Equifax and XXXX but were recently added to my credit file again. 

I filed disputes with Equifax once again regarding the same matters since the previous collections agency that acquired the debts sold those collection accounts to new agencies which were then again added to my credit file. 

Equifax ruled in favor of those collection agencies and the results stayed on my credit file which are preventing me from gainful employment if a government agency. I requested the evidence and supporting documentation from Equifax and they have failed to do so. 

15 U.S.C 1681a I ( 2 ) under the exclusions sections states that a consumer report does not include : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The bureau and creditor is in violation of this FCRA law. 

The previous reports ' confirmation numbers I have made with equifax are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Above may be some successful instances where I have had Equifax remove this information from my credit before, if I have succeeded with previous disputes regarding this information before, the derogatory information should not be re-added to my credit report with different collections agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: MS

Complaint narrative:
On XX/XX/2021, I mailed a letter requesting an investigation about inaccurate accounts on my credit report. It has been 5 months and I still haven't received a response and these unverified account still remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have a account with Chime as authorized signer of account/owner, I have disputed items that were unauthorized and requested refund either to not receive it to only receive partial, I reported unauthorized transactions only to be locked out of my account which was supposedly for only 48 hrs, ended up a week before any access, and same day I gained access account was again placed on hold with out my express written consent, their power of attorney has been revoked, My account is currently still on hold asking for same information provided 3'xs in less then 3 days, this my Final notice : acquiescence means and agreement, My intent is to sue should this go unresolved past the 1 day notice I am giving Fees : XXXX every hour locked out of account XXXX for every currency not replaced that are fdic insured XXXX for any contact unrelated to resolving this matter XXXX for use of my private information without my express written consent XXXX for delay in providing information needed, such as who is signer on account? who has without my consent signed to be power of attorney on account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
Select Portfolio servicing. Will not work with us at all to lower our mortgage, or to save our home. After 2 XXXX XXXX  and then XXXX that my wife and I both had. They are trying to up our mortgage payment. They are like a predatory company at the worst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: AL

Complaint narrative:
Experian is listing hard inquires on my credit report illegally. Be advised that multiple companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. 
Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry, I may refer this matter to an attorney. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2021-09-14 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has been reporting for months that Im delinquent on a charge off account when the balance has been paid off. By law & the FCRA it is illegal to report inaccurate information to the bureaus & they say they dont have record of the conversation of the representative stating that the tradeline would be deleted but the conversation actually did take place the day I paid them {$670.00} as a condition to improve my XXXXredit score. Not only is it still showing derogatory on my 2 credit reports but the last active date is showing 3 different ones. This tradeline is violating so much of the FCRA & FDCPA that it needs to be removed Capital One stated that it its own letter that the debt was charged off on their insurance & they accepted the payment from me again. This debt has not only been paid by me but also their insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
J.P. Morgan Chase is marketing a " My Chase Plan '' on their Chase credit card accounts as a way to pay off purchases over time with " no interest. '' However, if you calculate the monthly fees they assess on each payment, the actual interest rate of their financial plans is between 22.37-22.91 % over 6-18 months periods, on my account, which has a 22.99 % purchase APR. The " no interest '' payment plan is being deceptively marketed to consumers as a more efficient way to finance larger purchases, but clearly provides little to no actual savings, and commits cardholders to a significantly larger minimum payment than they otherwise would be required to make each billing cycle had they simply made a purchase. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on REC MGM SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2021-09-14 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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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:
I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to TransUnion and XXXX. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.

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 2021-09-14 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:
I contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to XXXX and Equifax. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX in XXXX, FL told me my loan would be with Wells Fargo Auto Loans and provided me a specific payment amount and my first payment date. 

A few days later I received a call from an unknown number. When I answered the woman started asking me a lot of questions about myself and my income, etc. After pressing her to tell me why she was calling, she said she was with Wells Fargo Auto Loans and this was a standard welcome call to verify information. She told me that I would receive information in the mail in a few days regarding setting up payments, etc. 

On XX/XX/XXXX, I received a form letter from the dealership stating they had exercised the option to cancel the contract and I was to return the vehicle. This letter was dated XX/XX/XXXX. I called the dealership and the finance person said that Wells Fargo turned me down for the loan because they didn't understand the deferred income shown on my pay slips I provided. Bear in mind that this was the first time I had been told of this. The finance person said not to worry that he had another bank that would take the loan. At that point, it would have been difficult to unwind the deal and give me my old car back because they had already paid off that loan and sold that vehicle. 

On XX/XX/XXXX, he called me back and told me he had gotten me approved at XXXX XXXX. He asked if I could come in and sign the paperwork that it should take no more than a few minutes. I said I could come the following morning. 

on XX/XX/XXXX, I arrived at the dealership and went to the finance person 's office. he was not prepared for me and said to give him a few minutes. I waited in the lobby for 2 hours. In the meantime, I received several email alerts from XXXX that my credit was pulled at least 6 more times, including Wells Fargo. Finally, he called me back. Keep in mind that my credit score has now dropped from the XXXX range to the XXXX range because of all the inquiries. The approval ended up being from XXXX XXXX  but the interest rates were much higher and my payment was much higher. I felt trapped and had to agree to this because I had to have a car and they told me it was impossible to unwind the other part of the deal and get my old car back. They claimed that everything would be ok and I could refinance with a credit union in a few months when my credit scores rebound. 

I filed a complaint with Wells Fargo and they have told me that the reason I was approved because my pay slips indicate that the majority of my income comes from bonus/add'l income. They never gave me the opportunity to explain that and that the term " bonus '' is misleading.

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with non-monetary relief