vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good Morning, I checked my credit report as I am buying a house. Fifth Third Bank has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Went into a SunTrust bank to open an account and I was told I could not open an account and could never open an account at the bank. The banker didn't give me a reason why, he was just very rude. I asked why he said he couldn't give me any information or give me a number to call to see what is going on.

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/LOW has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CO

Complaint narrative:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative account reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have submitted a complaint to the FTC and have a report of this.The fraudulent inquiries are XXXX XXXX XXXX XXXX twice, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX and 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 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom this concerns : i desperately need some help on firguring things out. My letters were written, and sent out on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and they've fallen on deaf ears, it seems. I just cant firgure out what's going on and i also dont understand what it is that im doing wrong. Or what it is that im not saying, I'm following the FCRA steps far as disputing negative items, ive reached out to these creditors, and was notified that there's been no investigation at all for my own purposes now i understand those electronic response which i provide plenty in my paperwork of their verification. This company is required to do a proper investigation something that beyond fake allegations which was submitted to me. where's the info? Where's this documentation? How was the investigation done? Who did this company with i need prove of information i listed above as well as a re investigation of these inaccurate, and unverified accounts..

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 2019-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I received an email from Credit Acceptance to set up online bill payments on the purchase of a used vehicle. I have not ever purchased a vehicle through their network. 

I spoke to a representative and he was not able to give me any details on the purchase. I received a reply from their legal depart because of my complaint and they are not able to give me any details on the account.

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 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I presently am trying to obtain a settlement from Cashnetusa in regards to a " on line " line of credit. 
I am ashamed to admit I was so vulnerable to ever use this company, but I have several times since 2015. 
I was working then, paid every bi-monthly payment via ACH debits from my bank. 
Paid the loans off several times, but things would get a little tough, and id go right back and borrow more .. 
I was sceptical about the loan, but was told it was much cheaper and a bounced check ..they never discussed their interest rates, I ask about set payments and how long to pay off the loan, was told payments would be small and could pay what I could manage until the loan was paid. 
I have never missed a payment In 5 years ... but..my mother has become very sick, requiring XXXX 3 times/ week ... Im XXXX years old, I have moved my Mother in to care for her, so I have no paycheck coming in, only my SS check .I called CashNet 1 week before my payment of {$450.00} was to be debited from my bank, I explained I could no longer pay those high bi-monthly payments .I also informed them, I had notified the bank to stop payments to Cashnetusa, I also changed by bank debit card. I informed Cashnetusa of this action. 
I ask cashnetusa to please settle this debt with me and close out the account .I have gotten so much run around and still have not been able to reach any kind of settlement. 
I called them this morning again, they explained I was not yet eligible for a settlement ..I ask what criteria they had to be eligible, ,but they couldn't give me an answer. 
I have paid them over {$1900.00}, just in interest and fees in 5 weeks, my loan amount was {$3000.00}, it's now {$3400.00}. 
They did say that I may be eligible for a settlement in 6 months .. 
I said, while interest is still accumulating and the answer was yes. 
I told her I would settle with them for the {$1900.00} that I had already paid them in interest over 5 weeks, but, ,they couldn't do that ... I really want to settle with them, but, I would really like to put this company out of business in Virginia XXXX 
They are getting their victims like myself, based on the need for money at the most vulnerable times ..I admit, I fell for this and used this company for almost 5 years..I have paid them thousands of dollars just in interest ..never missing a payment ... 
Now, I've had a life changing experience and ask them to please help me to settle this debt once and for all ..but..they say they can not, bc, I'm not eligible. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report which also prompted me to contact the police and ftc. These items need to be deleted from my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.

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 2019-11-05 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian charged my XXXX XXXX {$170.00} on XX/XX/XXXX for what they claim is a 'continuity subscription ' I have no idea what they are referring to. I visited Experian 's website & searched for an account in my name. I discussed the matter twice with XXXX. I used current & old email addressed & found nothing for me. I search my correspondence archives & found a XX/XX/XXXX letter to Experian notifying them that a fraudulent application for cell phone service had been made in my name, likely resulting from a data breach at Experian on XX/XX/XXXX. I advised XXXX of this history & the Bank reversed the charge in my favor. I anticipate that Experian will claim their charge to my credit card was a continuation of the then free Protect MY ID service they offered me when I complained about the fraudulent cell phone service application. However, Experian did not have a subscription account on their website for me AND I did not receive any updates or notices from Experian from XX/XX/XXXX through XX/XX/XXXX. Also note that I have a subscription to XXXX XXXX with XXXX which provides regular reports on my credit information. Every four months, I request a free credit report from one of the top credit reporting agencies. Experian is next on my list. Experian is in a position of trust & this unauthorized charge is a breach of that trust.

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 2019-11-05 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: FL

Complaint narrative:
Good Morning, I checked my credit report as I am buying a house. XXXX XXXX XXXX   has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company

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 2019-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
There has been fraudulent charges in my flagstar bank account and I reported it to them IMMEDIATELY. They removed the charges but didn't remove the fees for my account going to negative for these charges. 
Basically these fraudulent charges have been made in my account and these were revered back but the fees associated with these fraudulent charges making my account go to negative haven't been reverted back. 

They said it'll take a month to investigate the charges in my account after a month they got back to me and said they indeed were fraudulent charges and removed them but didn't remove the fees. 

So I closed my bank account there cause their policy is unfair. 

If the charges were fraudulent why should I pay the fees associated with them?

Now they put a derogatory mark in my credit score caus of this. This is totally unfair.

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 2019-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
My original loan balance of +/- {$25000.00} that was being serviced by EdFinancial has been in various stages of repayment since XX/XX/2006 ( almost 13 years ). In that time the balance has actually increased to +/- {$28000.00} while I was making payments!

After calling the customer service line, they advised that this was because I agreed to a graduated payment plan. I never agreed to this ( knowingly ).

They also advised that the interest accrual was because of the forbearance. Again, this is something they said I agreed to in writing or verbally, but this is nothing that was ever disclosed to me in terms that I could understand. I would have never agreed to this had I understood that the balance of the loan would increase!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustments Inc
State: MI

Complaint narrative:
Received mail notification on XX/XX/2019. Alleged debt from the U.S. Department of Education, student loan, in the amount of {$46000.00}. 

I have never had a student loan from the U.S. Department of Education. 

I have not attempted to contact the debt collector, Credit Adjustments , Inc. due to the fact I think 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