vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2019, I stopped by the XXXX XXXX showroom in XXXX, MD to look for a new bed. As I and a sales representative walked the showroom floor, I spotted 2 types of beds. I asked the representative, " how much is this beds? '' She scanned both of the price tickets, walked over to the computer and looked up the one bed I was must interested in by the item number. Based on the computer 's price, the bed listed at {$770.00}. I then asked, if they have credit. However, I also made it clear, I wanted to put down some money ( {$300.00} ). 

As we walked over to the counter, the sale representative informed the cashier, I was interested in their credit plan. Unbeknown to me, the cashier had called some telephone number, spoke to someone on the phone. I then spoke to the person who instantly says, " I've been approved for {$2500.00} and a credit card will be sent to me, I then stated, " wait a minute. I did not ask for a credit card. '' I was then informed, in order to get the bed, I had to get the credit card. Of course, I was never, ever informed about the interest rate of the card. Later, I received an e-mail notice from one of the credit bureau, XXXX. 

XXXX informed me, some company had pulled my credit. I never authorized any credit bureau to release or to authorize pulling my credit report. In fact, my credit report is locked to keep any company from pulling my information which leds to my credit score being lowered. I am not happy that some company named SYNCB, XXXX XXXX XXXX, XXXX, XXXX XXXX, or the fact that XXXX   allowed any company to access my credit information without me unlocking. Not acceptable!! 

What is this complaint about? 
XXXX XXXX did not disclose the terms of the credit card, or what is the interest rate. Also, XXXX breached its duty to protect my credit report, by allowing a company, SYNCB to access my credit information. ( My credit information is locked. Without me unlocking my XXXX account, my personal information should not been released. ) What type of problem are you having? 
Not know, what the interest rate is on the credit card. 

What happened? 
Uncertain as I do not have the bed. 

What company is this complaint about? 
XXXX XXXX, XXXX and SYNCB. 

Who are the people involved? 
XXXX XXXX, XXXX  and SYNCB

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 2019-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: WI

Complaint narrative:
Hello, Thank you for your service. I don't know how to prove that I've paid this loan. 

I took out a {$1500.00} installment loan from Cash Central onXX/XX/2016 and paid it off on XX/XX/2016. They didn't contact me to state otherwise so I thought it was okay. 

However, I now find out that its on my credit report causing my score to drop. I can't pay what they are expecting as it's {$5600.00} with an annual interest rate of 239.29 % as I only make $ XXXX/year as a XXXX. When I call to ask about why they never contact me or how to resolve it, they tell me to pay it or they will prosecute me. I don't know what to do and the account # XXXX XXXX with the company name listed as Cash Central of Wisconsin , LLC XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX Phone : XXXX XXXX Any assistance or advice is greatly appreciated. I was in some financial trouble when I took out these loans and have paid {$5000.00} already in interest to Cash Central. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AES/PHEAA
State: NY

Complaint narrative:
4 years ago, I called XXXX XXXX to say why I had late changes on my credit report when I never received a bill or an email or a phone that loan was due until I say them on my credit report.. I have filled through XXXX XXXX to havelate fees removed and many were removed except for one they left. I have filled many complaints with XXXX XXXX to remove this one late fee. They will not remove. 

Please help me Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CA

Complaint narrative:
I am a victim of identity theft. I sent in a dispute to remove 2 fraudulent accounts that were opened up in my name without my knowledge. I sent Equifax a copy of my credit report, an identity theft report, a police report, and copy of my social and drivers ' license so they could properly identify me. I sent in the packet via certified mail and Equifax did an investigation and sent me a letter back XX/XX/2019. They've stated that both the accounts are accurate and it is verified as such. I am very frustrated because they did not remove the fraudulent accounts. This is not the first time Equifax has completely disregarded doing a proper investigation. I am convinced that they never actually investigated it. Equifax has continued to violate my rights, and refuses to remove the fraudulent account. My life is negatively effected by these two accounts, and I've done everything they've suggested I do, and I even spoke to a supervisor at Equifax on Wednesday XX/XX/XXXX and she said there was nothing she could do. BOTH other credit bureaus XXXX and XXXX have already verified my claim and removed BOTH of these fraudulent accounts. I've attached all supporting documents. In addition i've attach one of the letters Equifax sent me saying the account is 100 % accurate and mine, even though its not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I have been a Credit Acceptance Corporation customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX ( a wells fargo company ) has been reporting a 30 days late payment on my acct since XX/XX/2016. i have spoken to several agents to have this negative info removed to no avail. wells fargo has been repeatedly involved in questionable business activities ; failing to report accurately to the credit bureaus being an ongoing complaint.

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 2019-03-24 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: OH

Complaint narrative:
I have written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt

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 2019-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been a XXXX XXXX XXXX customer since XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been a XXXX XXXX XXXX customer sinceXX/XX/XXXX and have been making my payments since XX/XX/XXXX on time, even earlier than due date. I sent the corporation a certified goodwill letter asking if they could remove the negative report from my credit file ( repossession ) as though I still have possession of the vehicle and I've been paying every payment on time. I'm seeing that they removed the remarks but it was recently added back on my credit. They are also reporting that they took possession of the car and that the account is now closed, and that balance has increased to the credit bureaus all of this is incorrect. They are reporting negative incorrect information to the credit bureaus. My account is not closed and I have not missed any payments. This is such an inconvenience to me and its a shame that they do this to loyal customers. I've been trying to get a hold of someone but I've been unable to speak to a representative. They have not called or sent any letters to me or communicated in anyway. Please investigate to look into this matter thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 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: OH

Complaint narrative:
I have written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt

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 2019-03-24 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: MA

Complaint narrative:
I have tried to get the information of my chapter XXXX verified and asked which company or person did they use to check my chapter XXXX.it is reporting open and it over 2.5 years old. Was deleted from both of the other to credit reporting agency XXXX and XXXX yet experian will not make removal of wrong information!

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 2019-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Ive been late on occasion with one of the store cards I have that are now handled by Syncrony Financial, and when Im late they constantly call me and hang up when I answer. This morning alone I was called three times within 30 minutes. I answered the phone, the system alerts me to wait for the next person and then it hangs up. I finally got contacted on my mobile. Ive begged them to fix this on multiple occasions with no results.

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 2019-03-24 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: TN

Complaint narrative:
On XX/XX/XXXX I received a letter directly from the creditor asking that their tradline be removed from my report. The first CFPB complaint was opened due both companies past experiences with not complying creditors request and sometimes flat out ignoring the direct request to complete the task and passing it on to another department to handle as you can see in response from Transunion who closed the ticket almost immediately and passed it on to another department and XXXX who has done absolutely nothing and now a second complaint was escalated to the CFPB on the same issue because Transunion and XXXX   refuses to properly investigate consumers request as directed by law and does not comply when a creditor request to have their tradline removed. In this case they just past it on to there coustomer relations team that does nothing. They cant even call the number and speak to Mr.XXXX ( the creditor who requested this trade line to be removed ) and whose address and phone number on on the the original document. There is no investigation there is no complying to the request of the creditor or consumer. This why I opened the second complaint against Transunion and 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 2019-03-24 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: Aqua Finance, Inc.
State: NY

Complaint narrative:
I keep calling the number they have and Im getting the run around. 
I see a report by aqua finance and i never had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this XXXX XXXX Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/2019 Scheduled payment for {$30.00} on XX/XX/2019 Statement balance {$68.00} -Recurring minimum {$38.00} XX/XX/2019 Downloaded current activity to XXXX. 
Recurring payment of {$38.00} was missing and replaced by a payment of {$7.00} Which is my payment of {$30.00} + the difference to the minimum payment. 
XX/XX/2019 Placed call to complain and was informed that this was because I had a minimum automatic payment scheduled. 
XX/XX/2019 Charged {$2.00} for minimum interest charge because I had a balance on my previous statement. 
This complaint is not about the {$2.00} I was charged, it is about the {$2.00} or more Synchrony Credit customers are probably being charged everyday

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 2019-03-24 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: AES/PHEAA
State: PA

Complaint narrative:
I am a first year XXXX XXXX with my loans serviced by XXXX XXXX. When I graduated medical school in XXXX, I began making payments towards my loans on the REPAYE ( income based repayment program ) through XXXX XXXX servicing. My loans were transferred to XXXX XXXX at the end of XXXX because I applied for Public Service Loan Forgiveness which is run by XXXX. During this transition, my loans were placed in administrative forebarance by XXXX without contacting me. I called the company to clarify the reason for this and the customer service rep informed me that this was a necessary part of the transition and that I should wait for my monthly payment to be posted to my account. At the end of my admin forbearance, I was surprised to find that the outstanding interest of my loan ( {$2800.00} ) was capitalized. From my understanding, interest should not capitalize after administrative forbearance, especially since I did not consent to this. I again called XXXX to gain clarity and/or reverse the capitalization. I was told by a customer service rep that this interest was incorrectly capitalized and that she would be submitting a request for review - she mentioned this process may take up to 90 days for resolution. I received the following email message stating this : XX/XX/XXXX : " An administrative forbearance was applied to your loans and does not accrue interest during the period of XX/XX/XXXX to XX/XX/XXXX. '' I waited for 3 months for this to be resolved, trusting that it would happen based on my earlier conversation. In XXXX, I called XXXX to get an update and was promptly told that no such request was filed and that, in fact, that capitalized interest would not be reversed. I was told the law was " constantly changing '' regarding these things and also advised that I should not care about my interest being capitalized because " it wont matter with PSLF. '' I found this to be a financially irresponsible response to my concerns. 

Overall, I'm disappointed with the knowledge of the customer service representatives and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently sent a notice to your company advising you of the false information that you continue to report on my credit file. The account listed has such erroneous information. A reporting of such is often done to purposefully lower a consumer 's credit score. I requested for you to send me validation BEARING MY SIGNATURE!!!!! You have failed to do so. ( FYI.statements are not proof of validation ) I disputed with the credit bureaus and, I received a notice stating the account was updated. However, the update not only included the same false information but also showed the account was not listed in dispute. I disputed this Capital One Account again with the credit bureaus ; the account shown was verified with the same information. Please note I have kept strict and accurate records of all transactions between your company and myself, and the credit reporting agencies and myself. I am fully prepared to present this undisputable information to the court if necessary. 

This account needs to be removed from my credit files immediately.

Company response to consumer: Closed with explanation