vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 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: IL

Complaint narrative:
I am working with XXXX and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from Wells Fargo in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through XXXX and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from Wells Fargo to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

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 2022-01-21 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: IL

Complaint narrative:
I am working with Equifax and XXXX to resolve an issue with XXXX XXXX, the loan servicer who bought my student loan from XXXX XXXX in XX/XX/XXXX. 

I have been paying XXXX XXXX XXXX XXXX  monthly since XX/XX/XXXX. This is the only account I need to make payments on, and my credit score has not improved despite my timely payments. After going back-and-forth with XXXX XXXX personally and filing disputes against them through Equifax and XXXX throughout XXXX, one of XXXX customer service agents finally disclosed the problem to me. 

XXXX XXXX has been applying my monthly payments to the interest on my loan exclusively. This was never clearly expressed to me through an agent or the loan servicers communications until I spoke to them on XX/XX/XXXX. Their reasoning for this is unclear. XXXX XXXX claims I agreed to exclusively making interest payments instead of splitting my payments between interest and the principal loan, which is not true. I immediately began looking into my refinancing options, and then I realized their insidious plan to prevent me from escaping their clutches. 

XXXX XXXX applied my payments to my interest exclusively to prevent me from raising my credit score and having my loan refinanced by another bank. They altered my interest rate upon purchasing my loan from XXXX XXXX to ensure my minimum monthly payments only cover the interest, and my loan continues to grow exponentially so I owe them more money. There is no way I can get out of this because XXXX XXXX added remarks to my account for the credit bureaus stating that the bureaus are not to raise my credit because I am only paying off interest, according to a representative from XXXX. 

I believe XXXX XXXX wrongfully led me to presume my payments were being applied to the principal and the interest on my student loan. Until this month, I was in good standing with XXXX XXXX. Now, I refuse to pay them until all my previous payments are applied to my credit score so I can have my loan refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I recently found out that my credit score dropped over 100 points because Capital One decided to charge me a {$5.00} fee. I have never been charged a fee from this card. This is absurd. I have perfect credit history until this nonsense occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: IL

Complaint narrative:
I joined XXXX XXXX XXXX to try to pay off my debt. They told me to stop paying my financial institutions the debt and to start to pay them so they could pay it off for me while they negotiated a possible decrease on the debt with the debtors. I had two court cases that they said they would represent me in and they never showed up to either case. I told them and they said they were sorry and that something was wrong on there end. They again didnt show up to my second court case for a second time. They lied to me and said they were going to be my attorney but never showed up for either court cases with my discover card case. When I told them to give me my money back that I had deposited into the account with them, they gave me back XXXX dollars, and kept over XXXX for lawyer fees when they never showed up. These guys are a rip off. No one do business with XXXXXXXX XXXX XXXX. They are XXXX  and will steal your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SC

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
This is to bring to your attention a significant concern about XXXX XXXX XXXX ' practices in regards to college graduates rebates. 

Yesterday I closed a deal on a 2022 XXXX XXXX with XXXX XXXX XXXX in the XXXX area. I tried to claim the {$500.00} college graduate rebate as part of the transaction and quickly realized that XXXX XXXX XXXX gouges college graduates by more than doubling their finance rates to obtain the rebate. 

I have XXXX credit score and before going to the dealership I qualified for 1.99 % interest rate for 60 months loan from another bank. Dealer finance manage told me that I have to obtain 4.35 % loan from XXXX to qualify for the rebate. When I read XXXX 's financial disclosure, it does not say anything about financing at a much higher rate ( more than double ) as a condition for obtaining it. 

Therefore, one of two things are happening : 1. XXXX XXXX XXXX is price gouging college graduates and abusing the rebate process for financial gain 2. Dealer ( as a representative for XXXX XXXX XXXX ) has significant demotivation to sell your loans and they are misrepresenting their rates. 

I just called their customer service line and as I expected, no one can address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is in addition to complain no. XXXX. I received a certified letter from Chase dated XX/XX/2022 that my loan is in default and have to pay them {$19000.00}. 
I tried to make my monthly payment like I promised on my first complain but was refused. 
I need tp pay them at least 14 payments worth almost {$15000.00}. They are really trying to get us out of our home. 
Please help us. 
Thank you and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CIG FINANCIAL LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX ; I spoke with a representative of CIG financial, who held the lien on one of my vehicles I financed. The vehicle had GAP insurance on it and it was totaled in a vehicle accident. GAP insurance satisfied the balance due on the account but CIG Financial is still reporting to XXXX that I have a past due amount of {$1700.00} ; which was last reported on XX/XX/XXXX. 
On XX/XX/XXXX ; CIG Financial Insurance Administrator, XXXX XXXX, admitted in email correspondence that the GAP insurance check was sent to the wrong address and that they received the GAP insurance check ; that I needed to dispute how its reported directly with the credit bureau. The credit bureau told me that they only report what the creditor reports to them ; so they're both playing a proverbial tug-of-war with me. 

I have attached an email from the aforementioned, XXXX XXXX, regarding the GAP payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: IL

Complaint narrative:
On XX/XX/2021, and on XXXX XXXX, I have reached out to Experian and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
EXPERIAN is in violation of my rights as a federally protected consumer.

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 2022-01-21 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have an unauthorized charge on our card. After numerous 2 hour hold times to get a rep, entering a dispute we receive a letter telling us the charge is valid. We have never done business with the merchant, don't know who they are, and never authorized the charge. We call the number on the card again, and after 45 min on hold they tell us we have to call the accounts security dept - another 2-hour hold and we hung up. 
Transaction Type Debit Transaction Description XXXX XXXX XXXX XXXX Fl  XXXX Date Cleared XX/XX/XXXX Amount - {$9.00} FI Reference Number XXXX Next issue : Suntrust has had a problem delivering our statements to our email since XX/XX/XXXX. After another 1 hour hold, the rep says they need to rebuild our profile. Now the statements are working, but they keep trying to charge us a late fee after they admitted the issue and refunded the original late fee of {$29.00}. We can't pay what we can't see and again are told we need to talk to account security - same as above 2 hours then we hang up. 
Transaction Type Debit Transaction Description Purchases {$1.00} XXXX XXXX {$0.00} XXXX Date Cleared XX/XX/XXXX Amount - {$1.00} FI Reference Number XXXX Needless to say, we have closed this account and moved to XXXX where our other business is well served. However, the above issues linger.

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 2022-01-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, IL. XXXX Date of Birth XXXX Social Security : XXXX Current Date : XXXX Re : Medical Violation To : Equifax Concerning : XXXX XXXX XXXX XXXX XXXX XXXX checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the items from my credit file immediately. THIS IS CONCERNING ANY AND ALL XXXX XXXX XXXX XXXX. Thank you for your time and help in this matter. 
Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: SC

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding an alleged INQUIRIES. Prior to submitting this complaint, I have sent over XXXX letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

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 2022-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2021, and on XXXX XXXX, I have reached out to XXXX and requesting XXXX tradeline be deleted from my consumer file and consumer report. I have yet to receive a response. 
XXXX is in violation of my rights as a federally protected consumer.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
At this time XXXX XXXX XXXX XXXX and has sold my information and by fraudulently obtaining and misrepresenting the use of my information. And selling my information to NATIONWIDE RECOVERY SERVICES both obtained and used gain monetary value, securitzation, etc. to report without my consent. Where is the WRITTEN CONSENT given or PERMISSIBLE PURPOSE to furnish any report on my consumer report : After 30 days XXXX and with PROOF of PARAMOUNT RECOVERY SERVICES has requested for the information to be removed. None of these companies has not either provided any tangible evidence or certified mailing proof of my WRITTEN CONSENT TO furnish anything on my report. Pursuant to 15 USC 1681 B and federal rights as a consumer. Data breaches pursuant to 15 USC 1692 ( a ) ( e ) are also violations inflicted on my consumer life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I request for an investigation of this account. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
XXXX XXXX XXXX ***** Opened Date XX/XX/2017 Balance {$13000.00} XXXX ***** Opened Date XX/XX/2017 Balance {$13000.00}

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