vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
The credit provider is Synchrony Bank/Care Credit. 
They offer a variety of promotions. One is deferred interest if paid within a prescribed time. Another is a lower interest rate until it is paid off. 
If you do not pay off the deferred interest promotion within the prescribed time, they start charging a higher interest rate. Likely all legal. 
If you make a payment, say online, above and beyond the monthly minimum, they apply the over amount to the lowest interest rate portion of the account, rather than the highest interest rate, thereby maximizing their revenue. 
In fact, there is no way for you to automatically apply the extra payment to the highest interest part of your account other than calling them on the phone. 
If you make this payment on the phone and ask them to apply it to the higher interest portion of your account, I was told, today, that it could take 2-3 billing cycles to reflect on your account. 
While possibly legal, this certainly seems like a deceptive trade practice if this was covered under Section 5 of the FTC Act ( which it no longer is ). Under the CFPB regulations, this seems like a  UDAAP violation. Either way, the consumer, unless they are very perceptive and persistent, winds up on the short end of the deal.

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 2019-04-27 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: CO

Complaint narrative:
This complaint concerns the student loan servicer Navient, who has been sued by the CFPD and several state attorneys general for a pattern and practice of " mistakes '' which I have experienced while in repayment, including misallocation/pyramiding of payments and ignoring paperwork submissions in order to accelerate payments, charge late fees, and move loan toward default status. 

I submitted the paperwork for the renewal of my Income Based Repayment ( IBR ) plan on XX/XX/XXXX by USPS Certified Mail. The paperwork submitted included renewal forms and a copy of my XX/XX/XXXX federal income tax form showing a yearly income of less than $ 12k. This qualifies for continuation of the IBR with a monthly payment of {$0.00} ( XXXX ). The tracking number, XXXX XXXX XXXX XXXX XXXX, reports/confirms that my submission was received on XX/XX/XXXX. The request for submission of renewal paperwork which which has a date of XX/XX/XXXX printed on it, states, " To continue with the plan, please reapply by XX/XX/XXXX using one of the methods below. '' Navient did not process my IBR renewal. Instead, Navient sent two letters dated XX/XX/XXXX stating that my monthly payments were set to increase with a total monthly payment of {$670.00} beginning XX/XX/XXXX. This is classic predatory incompetence by Navient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX sent a pre legal notice in the mail. I called to settle my debt, but XXXX refused to send any information without me providing my checking account information. I was very concerned with this request so went to there website I was able to set up an account, but not able to submit a payment online. I then called XXXX directly to confirm my debt was sold to XXXX XXXX XXXX, XXXX did sell my debt to XXXX. I then decided to provide my checking account information with the understanding that I would receive a letter confirming payment will be taken out on XX/XX/19. The payment was pulled from my account on XX/XX/19, when I called requesting confirmation of payment XXXX refused then proceeded to tell me to call back and maybe they would be able to help. 

I am more than willing to pay the debt I owe, I'm just very concerned I have been scammed. I dealt with other collection companies in the past and have never had any issues.

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 2019-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter Young has an account from a dorm where my daughter lived when she attended college, but left owing when she quit school. The debt is listed as a joint responsibility on my credit report. I have requested from Carter Young to send me documentation with my signature on supporting documentation and the flat out refuse. I spoke to 3 managers today and each one refused to send me the documentation. Not only that, but they will not allow my daughter to make payments. So each time we save up the money, then attempt to make a lump sum payment, the amount increases by {$100.00} or more. The original debt, was {$700.00}, but is now up to {$4300.00}. Which, in my opinion, seems excessive. The last I spoke to them today, they told me the only way to pay now is via XXXX XXXX, which I have never heard of using to pay a debt. They also refuse to send a letter once payment is made showing the debt is paid. Also, their website has been blocked from us making a payment via online. This company has a very bad reputation and if you view other comments, others have had the same situation happen to them as we are having now. Again, they have refused to submit any documentation with my signature showing responsibility for this debt. My daughter has told them it is her debt and not mine, but they still refuse to listen. Can you pleas assist me. I truly believe their business practices are unethical. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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:
On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the Equifax breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE DISPUTED ITEMS HAVE BEEN DISMISSED AND SHOULD NOT HAVE APPEARED ON MY CREDIT REPORT. PLEASE RE-INVESTIGATE AND HAVE THE DEROGATORY ITEM OFF MY CREDIT.

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 2019-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: LA

Complaint narrative:
A letter of complaint was sent to the US Department of Education, FSA Ombudsman on XX/XX/2019 due to misinformation/misrepresentation by servicers prior to and after the rehabilitation of my defaulted student loans. I consolidated my student loans and then entered into a rehabilitation agreement with a servicer who advised me that upon making 9 consecutive payments, the loan would be rehabilitated, the negative status would be deleted from the credit bureaus and the collection cost would be removed. None of these things happened upon the rehabilitation. Instead, after the ninth payment was made, I then received an invoice for an amount that I could not afford to pay. No one advised me at that time of any income based repayment plans that could have assisted me in a subsequent default. Since that time my one loan has been and continues to be reported inaccurately to the credit bureaus as 2 defaulted student loans. ( Please see the attached letter expressing my concerns in detail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELLO APOLOGIZE FOR DISTURBING THEM BUT I AM ALWAYS RECEIVING INDAGATIONS IN MY CREDIT REPORT SOMETHING ELSE CONTINUES USING MY PERSONAL IMAGE PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THANK YOU..PUT A FRAUD ALERT PLEASE.

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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit was pulled without my consent by XXXX XXXX XXXX XXXX XXXX  after I agreed to XXXX XXXX   doing a soft pull. I did not hear from this CU or consent to have my credit checked. I believe I submitted an online dispute with XXXX, but was unable to get confirmation by e-mail and when I tried to check the status online, I got a message that the service was not available. This has happened several days now so I called Equifax. I verified name, SSN, DOB, address, employment, I was asked about addresses and loans, none of which applied to me. Then asked about an auto loan, which I verified I had with XXXX   and the exact payment, and was asked if I had a credit card and how much the payment was. I told the guy sure I have many credit cards, and named off several. He said okay XXXX. I told him I owe around $ XXXX and the monthly payment was around {$80.00}. He then told me he could not help me and I would have to submit a dispute by mail. I feel like Equifax has me flagged or something for disputing information. They are by far the worst of the 3 major agencies and are always extremely difficult to communicate with. I will fax the information, but there is definitely a problem with the way they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: CO

Complaint narrative:
On XX/XX/19 some nefarious criminal who had somehow gotten a hold of my SSN and home address opened a credit union account in my name. 
I subsequently worked with XXXX XXXX XXXX XXXX ( XXXX  ) to close the account, reported it to the local authorities and my credit monitoring agency, filed a fraud report with the Federal Trade Commission and had my credit frozen by all three credit rating agencies. 
I then filed disputes with the credit rating agencies to get the XXXX account removed from my credit file, because it was opened fraudulently and should not be on my credit record. 
However, all they did was verify that it was 'valid ', which it most certainly was not, and frankly, my SSN was probably compromised by the XXXX breach a few years ago. 
I need the record of this illegally-opened account purged from my credit record, so I am reaching out to the CFPB to do this. 
It's just criminal that a tax-paying, law-abiding American citizen gets his identity at least partially stolen and no one cares or will do anything about it, so the least that could be done is to expunge this XXXX account from my credit record. 
Thank you, 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 2019-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
a charge of XXXX $ on my wells fargo credit card ending in XXXX on XX/XX/2018. 

I tried to resolve the problem with wells fargo but they denied my dispute. 

I stayed in this hotel for a couple of nights with a mutual friend who was staying there for a week and they requested my card at the front desk to charge room service orders to it. 

I found later that they charged the whole hotel stay that the mutual friend took care of to my card. 

Thank you, 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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO APOLOGIZE FOR DISTURBING THEM BUT I AM ALWAYS RECEIVING INDAGATIONS IN MY CREDIT REPORT SOMETHING ELSE CONTINUES USING MY PERSONAL IMAGE PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THANK YOU..PUT A FRAUD ALERT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: MN

Complaint narrative:
Re- XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX 2017 XXXX XXXX XXXX XXXX XXXX XXXX I am having problems with my Auto Loan. 
Despite that I had in many occassions attempted to resolve this matter with XXXX XXXX XXXX, but of no avail. 

The main issues in question is that when I summit payments with additional principal. 
XXXX XXXX XXXX would not apply my funds to principal. Instead they would apply my additional principal as advanced deferred payments. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am in a title loan which has an extremely high interest rate. Since I am on XXXX XXXX I believe I am covered under the Military Lending Act & The Servicemembers Civil Relief Act for a reduction of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I tried to buy concert tickets via cash app with my wells fargo bank account. I sent the month and never received my tickets. 

Date : XX/XX/2019 Amount : {$400.00} I emailed support at XXXX XXXX and they told me to contact Wells Fargo. Wells Fargo told me to contact 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 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Over the last 3 months I have repeatedly contacted both Experian and XXXX about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan Experian showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.

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 2019-04-27 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: UT

Complaint narrative:
In XXXX. I was checking my XXXX XXXX, as I had been paying off some collections and noticed misinformation on Equifax 's info. 

After trying to file a dispute online in which I was asked questions about loans and/or information that was NOT mine. I called them and proceeded to have the same trouble. They mixed my file with someones of the same name in another state. 

I had finally got it removed after many calls, for it to now appear again in XXXX. 

They are still mixing me up with another person of the same name in another state. I want this straightened out. and the mixed files separated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Over the last 3 months I have repeatedly contacted both XXXX and Equifax about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan XXXX showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.

Company response to consumer: Closed with non-monetary relief