vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Last year at the start of the Pandemic we were placed on shelter in my State. That was in XX/XX/2020. I immediately called my credit card companies and submitted financial hardship. Everyone was happy to extend my payments out by a few months except Victorias Secret and XXXX. I was told that they had no such forbearance in place. This caused me to be late 30 days and reported in XXXX as a late payment. I have never been late in my account. I have already written letters to remove my late payment since it was covid related and I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NC

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NJ

Complaint narrative:
Experian refusing to update my account with XXXX XXXX XXXX XXXX. First dispute sent XX/XX/XXXX requesting the information be validated or removed. Experian was report 28 consecutive months as " CO ''. Reply the information was accurate. Continue to sent dispute from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Last dispute reply file was update to change the " CO '' from XX/XX/XXXX to Current date of XX/XX/XXXX restarting the statue of Limitations

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 2021-09-11 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: LA

Complaint narrative:
The reporting agencies have over ten department of education files 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 explanation
Consumer complaint received 2021-09-11 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: TX

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Loans indicate a starting amount that is much higher than the disbursement plus capitalized interest. Some include disbursement fee and repayment fee

. There are 3 that still have my cosigner even after being in repayment almost 20 years. Repayment total {$20000.00}, interest paid total {$51000.00}. How is my interest paid 149 % the amount of loan paid? How is this not predatory lending? Of my original {$55000.00} I still owe {$34000.00}. After 17years I have only paid 37 % of my loan? My loan with the highest interest for the first 2 years I only paid down {$550.00} and paid {$2400.00} in interest. Of the original loan amount of {$15000.00} they added on {$520.00} ( 3 % ) repayment fee, {$900.00} ( 6 % ) disbursement fee, and {$1500.00} of capitalized interest. All of my loans also show an unpaid Principal balance value that is almost twice the amount of the loan plus fees. For example on the {$15000.00} loan with fees above ( {$520.00}, {$900.00}, {$1500.00} ) was total {$17000.00}. However the unpaid principal balance value was {$32000.00}. Was interest calculated on this higher incorrect amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
Please add the attachments on this form to case number XXXX as this is proof of the fraud when I applied for a personal loan for XXXX but my loan was written up as a business loan. The attached documents are very important evidence. Please let me know that you have added the attachments to my case. Thank you XXXX XXXX XXXX. 
Case number XXXX STATUSOPEN Submitted to the CFPB on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: NY

Complaint narrative:
I received my discharged bankruptcy papers dated XX/XX/XXXX. After a few months, I noticed that one of my creditors ( XXXX XXXX XXXX ) was still reporting a balance of {$5900.00}, and showed the account in collection. Immediately, I contacted the credit bureaus to put in disputes. By XXXX of XXXX, XXXX and XXXX had reported this account correctly. However, the Experian report still showed a balance. I decided to send XXXX a letter showing proof of the discharged bankruptcy and a copy of my credit report, which showed the {$5900.00} balance. After 30 days no response was received, so I decided to put in another dispute with Experian. Experian continued to state that it was the creditor 's responsibility to report accurate information. In XXXX of XXXX, I decided to work with a credit repair agency to hopefully help me resolve this issue. To no avail, the balance was still being reported on Experian. In XX/XX/XXXX, I then decided to put in a complaint with the New York State Department of Financial Services. But, in the meantime, I filed another dispute with Experian ; to date, this is 8 disputes. And, additionally, I sent XXXX another letter with a copy of my credit report showing that it's now 180 days past due, in the collection ( CO ), and a balance of {$5900.00}. On XX/XX/XXXX, I received a copy from the NYSDFS examiner stating that XXXX responded with a statement indicating they have reported accurate information under FCRA. I'm now lead to believe that Experian is at the fault for not correcting the information on my report. I've attached proof of the letters from NYSDFS and XXXX, along with a copy of my discharged bankruptcy,

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 2021-09-11 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: KY

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XXXX XXXX WELLS FARGO AUTO offer was accepted and returned for value. 
On XX/XX/XXXX. 2020 WELLS FARGO AUTO accepted a private settlement agreement with XXXX XXXX XXXX in the amount of 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 2021-09-11 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: TN

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CapitalOne Platinum denied a credit limit increase as stated after 6 - 12 months of payments. The company has repeatedly denied me a credit limit increase based upon false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient reported me for being late 90 days. I was sent an email by XXXX XXXX not to pay my loan until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I do all my banking with wells fargo. I also have a car loan with Wells Fargo Auto. I was diagnosed with XXXX and XXXX Double XXXX and had to recover in the hospital for over nine weeks. I also informed wells fargo and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of Wells Fargo Auto reporting a late payment. I am requesting that they promptly take this off my report and have talked to Wells Fargo banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

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 2021-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AVANTE
State: FL

Complaint narrative:
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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: GA

Complaint narrative:
I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX  XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

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 2021-09-11 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: GA

Complaint narrative:
I do all my banking with XXXX XXXX. I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 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: GA

Complaint narrative:
I do all my banking with XXXX XXXX  I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.

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 2021-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CARS Acquisition, LLC
State: TX

Complaint narrative:
Purchase date XX/XX/21 Still no license plates Dealer agreed to fixing vehicle and has not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive asked capital one to help refund me my money out of a scam company that was supposed to hire me. Ive spent over {$4000.00} because the scammers sent me a check, which cleared in my account so obviously I thought it was valid and used the money to send to someone to purchase the equipment. Then it reversed into my account leaving me with negative balance. Ive asked the bank to help me because why would they clear a check then cancel it? It made no sense. They said since I spent the money they cant help me recover it. I lost over {$4000.00} which I still need to pay. I cant afford to pay because I lost my job to the pandemic then got scammed out of all my savings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11 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:
XX/XX/2021 I was using a app called XXXX XXXX just anxious to see what was on my credit profile and to see just what these agencies are reporting.The XXXX XXXX app reported a lot of miss information that was incorrect and had no permissions to display or furnish any of my information without my natural scent, including Experian. I made a call to XXXX XXXX and they advised me their information and data comes from other third party debt collection agencies like experian. 

XXXX I informed the collection reporting agency in a certified letter that I the consumer was violated over 30 times in a spand of time of short time. I looked farther and i find violations after violation. After Experian found that I knew about the violations they quickly removed all 30 but the damaged was already done, and for some time. 
This made me look into any and everything. I was denied credit extensions due to the damages caused on my consumer credit report, and will be seeking damages for the breach of my personal information, and along with all FCRA and FDCPA. 

Please check your personal information profiles these companies will invade in your personal life and privacy. I hope I get results whos on our side. Will keep you updated

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 2021-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank consistently, in the past several years, labeled most of our deposits as " XXXX XXXX XXXX ", instead of labeling each deposit as from that specific institution where that deposit came from.. For example, when a deposit was from an external bank such as XXXX XXXX  or XXXX  XXXX XXXX , instead of labeling that deposit being from XXXX XXXX  or XXXX  XXXX XXXX XXXX Synchrony will simply label that deposit as " XXXX XXXX XXXX XXXX. This has happened to more than 100 deposits we had in our account in the last few years. Because of this practice by Synchrony Bank, there is no way we know where all those deposit came from. 

Such practice has prevented us from reconciling our account. As such, we do not know whether Synchrony has recorded the correct amount of deposit into our account each time. 

We have spoken with Synchrony multiple times. To date, Synchrony has ignored or refused to rectify this situation. 

Every other institution that we have banked with has a clear notation on our statement where each deposit came from. So, to me, what Synchrony is doing is quite unorthodox.

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 2021-09-11 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: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation