vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 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: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/DOFED XXXX Inaccurate XXXX  XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR

Complaint narrative:
AS I TOLD XXXX THIS WAS OPEN USING MY ID AND NEVER ORDERED XXXX ALSO, STOP ROBO CALLING MY FAMILY WE NOW HAVE 17 CALLS TAPED AS WELL AS SCREEN SHOTS.FINALLY GET OFF MY CREDIT REPORTS OR SUED.

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 2020-10-09 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: PA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
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 2020-10-09 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: PA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: NY

Complaint narrative:
Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX  XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

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 2020-10-09 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: NY

Complaint narrative:
Transcript as of XX/XX/2017 shows I was in school and took XXXX credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: NY

Complaint narrative:
Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.

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 2020-10-09 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: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MS

Complaint narrative:
This complaint is against the Mississippi division of EPPICARD. 

On XX/XX/2020, I noticed an unusual charge of {$100.00} to XXXX ( I do not own/use any of their services ). Alarmed by this, I decided to backtrack my transaction history, finding XXXX fraudulent transactions totaling {$450.00}. 
They are as follows : XX/XX/XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX   {$45.00} XXXX - XXXX XXXX XXXX {$45.00} x XXXX XXXX - XXXX XXXX XXXX {$45.00} XXXX - XXXX XXXX XXXX {$47.00} XXXX - XXXX XXXX XXXX {$45.00} XX/XX/XXXX - XXXX {$8.00} XXXX - XXXX {$9.00} XXXX - XXXX {$1.00} XXXX - XXXX XXXX XXXX {$10.00} XX/XX/XXXX - XXXX {$100.00} I immediately attempted to contact customer service and report the matter, only to be redirected, hung up on, and put on hold for 3+ hours. During that time I spoke to 3 separate representatives, and to each of them I gave my account info, explained my problem, and listed the fraudulent charges ( which took roughly 30 mins each time ) Only to be told that they would have to transfer me to someone else that ultimately said they would mail me a form to fill out to file my complaint in order to be reimbursed for the charges. This form has to be received, filled out, sent back, and investigated before any action can be taken. However they only give you a 10 day window to accomplish this task. ( Not from the time you receive the form, but from the time you called initially ) It has been 4 days sense that call, and I haven't received any form. Judging from the 100 's of reviews and complaints that I have read about this company, complaints unsettlingly similar to mine, I have to wonder just how serious they these thefts. You will find a link to some of these reviews below .... 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2020-10-09 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2020-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I received notice from XXXX XXXX that my XXXX  credit report showed an increased balance due to Navient Student Loans. I called Navient to inquire how my balance had gone up. Their reply was that since I was again a student that my loan had automatically been deferred by the system. I explained to the customer service rep at Navient that I was never informed that I could defer my loan, that I never requested that my loan be deferred, and that I never authorized my loan to be deferred, additionally I wasn't notified by Navient or by the school that it had been deferred. I told the Navient rep that this wasn't ethical nor did I believe it to be legal. I have filed a complaint with the US Dept of Ed today. I refuse to pay the additional interest that I never agreed to pay nor did I request. I've been on auto pay out of my checking account for years and I have changed nothing in that regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I used CareCredit/Synchrony Bank to pay for XXXX  work. This was the last of a series of " purchases ''. The " purchase '' originated on XX/XX/XXXX, the terms were 0 % interest for 18 months, due XX/XX/XXXX. This account was on automatic payment. For the last 12 months, I was paying {$300.00} per month a method I had in place to make sure I never missed a payment. 
In the first week of XX/XX/XXXX, I XXXX XXXX, as well as the rest of my XXXX. We were all very fortunate with recovery. 
On XX/XX/XXXX, I realized that I missed the promotional expiration date of XX/XX/XXXX. I immediately called for a balance and made the payoff balance that day. I explained to customer service the situation with my health and the health of my family and asked for an extension of the promotion in order to waive the huge 26.99 % fee that was assessed. I explained my focus was only on our health and I knew they were getting the payments and didn't have the mindset for anything else. 
CareCredit/Synchrony Bank did not offer me a thing, they continued to charge me interest. I realize they are heartless and business is business and every man is for himself during this pandemic that has affected the entire world and economy. The biggest issue outstanding after countless correspondences and telephone calls is the explanation of the deferred interest charges of {$1800.00} on a balance of {$4100.00} on XX/XX/XXXX when the original charge was only {$3600.00}. The charges continued to accrue at the rate of 26.99 % on that pattern. I paid all the charges once I realized they were not addressing the question and explaining how the calculations were figured while they continued to charge my account. The latest claim is they are referring my concerns to corporate. They continue to deflect and not address their math equation.

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 2020-10-09 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: MS

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2020-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
XX/XX/2020 - I m

ade a paypal payment to my landlord. He refunded it immediately. Since then I have been told by paypal that was to expect a refund within 30 days of that transaction ( to my visa debit card on file ). The
bank was aware of the transaction as well.

Paypay is telling me now that the amount was credited to my bank - the bank has verified that it is NOT in my account nor is it pending. It has now been over 2 months since the money should have been returned and it is not returned. Paypal will now not answer my requests to speak to a representative, but gives blanket answers that I should have the money. My landlord also verified with his bank that the money did not go to his account.

I want the {$900.00} returned to me by Paypal that was supposed to  be returned in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
My house burned down and us bank received the money from the insurance company. The amount they received exceeds the.loan amount. They refuse to send me.the money. 
I can not get them to send my builder a deposit to start construction. I have submitted every document they asked for. 
Please help us

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 2020-10-09 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: FL

Complaint narrative:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

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 2020-10-09 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:
THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a lot of Inquiries from different lenders that I didnt approve off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I signed up for XXXX XXXX and had them for at least a year and when my contract ended ( 12 months ). I just let it keep going and I did not commit to another year even though they say I did. I changed my service and they then billed me for {$200.00} " Contract Broken '' fee when in fact I did fulfill my contract! They may have a tiny misleading print that if I don't call them then the contract is valid even after the year I signed up for. I have tried talking to them but they just keep repeating that it is due and now have a 3rd party collection on my reports. As you  can see from the file attached I responded to them reminding them that I had completed my contract and was on a month to month. I would never switch unless I was NOT in a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Hello, I opened a XXXX  aka " Amazon Prime Store Card '' card by clicking a link on my Amazon XXXX XXXX back in the  XXXX  of XX/XX/2020. Two months later I received a piece of mail that I owe Synchrony Bank money for inactivity {$12.00} per months. So I called them many times the phone number that was either not answering or answering with an automated message offering me few different ways to pay. Finally, I managed to have Amazon technical support to redirect my call to Synchrony bank to speak with a human and close my card. Nevertheless, Synchrony bank keeps harassing me applying late payment fees and submitting negative credit reports on me every month for the card I had never use. If only I knew there is an inactivity fee for the XXXX  card,  especially during COVID-19 times when everyone stays home, I would never click that " open a Store Card '' button in first place. 

Please help me to make them fix 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: NY

Complaint narrative:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX/XXXX  XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right?

I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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