vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc.
State: CA

Complaint narrative:
I am being charged a fee on a line of credit I was not made aware of. Additionally, I am concerned that other fees will be fabricated and applied to my account. 

The line of credit is through Green Bear of California ( dba Crestline Finance ).

The line of credit was processed by a payday lender XXXX XXXX ( store address XXXX XXXX XXXX XXXX CA XXXX ) I went to the lender for a payday loan and was offered a line of credit. I had to pay a fee between {$35.00} and {$40.00} to print the check which was for {$300.00}. 
Additionally I was charged {$33.00} interest. 

I was told when payment was due and how much. 
I received no paperwork and was not told at any point about a set up/maintenance fee. 
I was not told that I had to call to close account. 
Aside from the line of Credit tag, the transaction was presented as a payday loan. 

I paid the the principle and interest on the due date. 
The associate I spoke with never mentioned that any other payment was due. 

I am afraid I will not be able to close this account and that I will be hit with more made up charges. 

This business, and the network of payday lenders they use, are manipulating women and men taking out payday loans and exploiting the fact that the individuals taking out the loans think they are the same as a payday loan. 

My borrowing {$300.00}, when desperate, cost me {$370.00} plus the surprise maintenance fee and however much it will cost to close the account. 

Additionally, the associates at the payday lender I went to, XXXX XXXX, are very clever in how they present the info to you. 

The document you sign is on a small screen device and looked like any other payday loan document. 

You are told that info will be emailed to you. 
The email you receive is a link to a website that requires an ID number that you are not given ... unless you know to ask the associate at the counter. 

You the borrower wont find out about the fees, and that this is an ongoing account, until you get a call, like I did, a week after paying off your loan. The associate calling you will politely remind you about your upcoming payment. You will likely wonder what the associate is talking about. 

A half hours later you will be mad and looking up Crestline Financial online and you will find a lot of people who were suckered too. 

Then you go to the CFPB. 

I will likely pay these conmen, but hope no one else gets mislead like I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Firstly, Transunion is corrupted. 

Secondly, disputes with a credit bureau are lodged only when the financial institution refuses to cooperate. 

Third, I lodged a dispute with transunion against a wrong information provided by a financial institution. The dispute got closed by transunion within 48 hours. I called transunion and the operator said even though a bank/financial institution provide wrong information to the bureau, transunion at all times would have to honor the bank because at any given time the bank takes precedence over a consumer. 

Report Created On : XX/XX/2020 File Identification Number : 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 2020-05-19 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: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-19 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: CA

Complaint narrative:
I called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly

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 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly

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 2020-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: High Performance Capital
State: NV

Complaint narrative:
I finance my car with High Performance Capital and I noticed in 8 months of on time payments my amount paid off so far is XXXX $ Instead of XXXX $ I looked up reviews with further research to find that the company has endless complaints about finessing their customers, charging unexplainable fees etc. I try to reach them to do either payments over the phone or to see my balance but they never answer. The company seems to scam their customers and further investigation should be considered

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
ComenityBank/XXXX, was a credit card taken out fraudulently by my ex wife in my name. In spite of me reporting this fact to them on at least 6 occasions and me disputing the account with the credit reporting agency 's, this account, including late payments, is still showing up on my report and causing substantial damage to my credit score. Bottom line, this company is completely fraudulent and obviously has no intentions of addressing issues such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to update my new address.

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 2020-05-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed a fraudulent inquiry on my credit report on Equifax, which ended up being rejected. Then I submitted another complaint, in which Equifax said they looked into the matter and it was yet again rejected. This was about a fraudulent XXXX XXXX inquiry on XX/XX/XXXX on my credit report. XXXX XXXX  has confirmed that it was in fact fraudulent and they send me a letter confirming that they have reported the fraudulent activity to all 3 credit bureaus. Equifax did not remove the inquiry. I submitted a complaint on the CFPB. on XX/XX/XXXX, Equifax responded that a letter was sent to my address with their response. I have not received the decision to their " investigation '' and would like one as soon as possible. Both XXXX   and XXXX  have removed the fraudulent inquiry because XXXX XXXX has informed them. I called Equifax and everyone literally hangs up on me. I don't know what else to do but to go to a small claims court. These complaints are my documentation that I have done my due diligence and have given Equifax ample time to respond to my dispute. I have a letter from XXXX XXXX that was sent to me attached, indicating that they have investigated the fraudulent inquiry and have informed the credit reporting agencies of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: CORELOGIC INC
State: FL

Complaint narrative:
I received a letter from Credco after disputing 2 inquires. Credco stated I gave verbal authorization through a mortgage transaction which was false. So i contacted Credco.about 2 inquires showed up on my credit report with out my authorization. XX/XX/XXXX and another XXXX. Credco told me it was XXXX XXXX XXXX  and i should contact them. XXXX told me it was XXXX XXXX XXXX. XXXX XXXX XXXX told me it was XXXX XXXX XXXX. I contacted XXXX customer service as instructed. I was then told by customer service that they have no ideal what to do about it.

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 2020-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I have a bank account with South State. I have been banking with South State for two  years now. On XX/XX/XXXX between six transactions with my brokerage, my account got double charged, which resulted in me loosing out more than {$3300.00} Around that date, I noticed on the transaction history that the transactions that were being processed were all out of order. After contacting the bank about the transactions they gave me a provisional credit of only $ XXXX.I took the {$2900.00} and left behind the other {$400.00} with no problems, because I have been banking there for two years. On XX/XX/2020 South State chose to revoke the provisional credit saying the bank has a Category system on the weekend which processes all credits first with debits following. After reviewing transaction history from both companies I realized XXXX XXXX had transactions processed on the correct time and date, while South State transactions where processed incorrectly. An example of what should have happened would be : I had {$700.00} in my South State account and debited it into my brokerage account, bought a  stock from my brokerage account, sold it, and cashed out {$700.00} dollars to my bank account. 

( Correct equation ) 0+ $ 700= {$700.00} ( south state balance before debit transaction $ XXXX $ XXXX ( south state balance after debit transaction ) XXXX XXXX ( brokerage account balance after debit ) XXXX ( bought stock from brokerage ) XXXX $ XXXX {$700.00} ( sold stock brokerage balance ) XXXX {$700.00} ( South state balance after cash out credit ) Incorrect equation ( due to South States category system ) XXXX ( South State balance after cash out credit from brokerage ) XXXX ( South state balance after bank error debit transaction ) After filing the first complaint, South State told me they would not refund my account. However, they said I could come in to claim my COVID check because they understood customers had many hardships. They also said they would pay up to XXXX in over draft fees that accumulated during the time. When I looked at my bank account just today I noticed my bank account balance was at a negative XXXX. This means I got charged for the COVID check which was a free check from the government. I have attachments to show you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020 I went to make a mobile deposit. I have been trying to make this same mobile deposit every month for as long as Wells Fargo has installed Mobile banking. As normal I could not make the deposit. So I decided to walk to the branch. As I arrived the branch was closed to walk ins but you could make an appointment. I decided to walk through the drive thru. They would not take me at the drive - thru. I then called WF to see how I could deposit my checks. They told me that I could not, unless I made an appointment or drove a car. I could not make an appointment and I did not have a car so could not drive up. I then walked home. When I arrived at home I called WF to try to get a mobile deposit completed or withdraw my funds from the bank. They could not administer either a withdrawal of my funds nor a deposit. So I can not complete any banking with WF. I was in XXXX OR last week and I could enter the WF bank and complete my banking, in Texas which is a State that is open I can not walk into a bank. So I can not put money in or out. My money is locked.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express received a credit for {$12000.00} XX/XX/2020, for a trip I'd paid for and was cancelled. I asked American Express to return my credit to my checking account. A representative named XXXX Gave me a partial reimbursement by wire and promised to send me a check for the remainder. That was XX/XX/2020. Today is XX/XX/XXXX and I discovered that American Express representatives lied to me twice and never sent the check. Today I asked for my refund again, and they are making it difficult and kept me on the phone for 2 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to update my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to update my new address.

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 2020-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Called chase to cancel chase sapphire reserve credit card. While i was able to close the card, Chase refused my request for a prorated refund of the {$450.00} annual fee that was charged on XX/XX/2020. I explained the reason to cancel the card is due to covid-19, still Chase denied my request for a partial refund of the annual fee, even though I did not use any of the annual benefit and it is only 3 months into the year. Charging full annual fee is just not fair. Appreciate your help to correct this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
I had a debt that should have never been sent to collections. I owed some money to a hospital i did not know about, when i did i called the hospital and paid the debt. Even tho i have paid this has been added and removed to my credit report multiple times, but it still keeps coming back. COMMONWEALTH FINANCIAL just keeps adding it back after it gets removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19 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: WI

Complaint narrative:
I disputed the account XXXX XXXX XXXX with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$220.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$150.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$250.00} ) with XXXX , Experian and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$720.00} ) with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with XXXX , Experian and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However XXXX, Experian and XXXX  have it marked as late, charged off with a blance. 

I disputed the account XXXX with XXXX, Experian and XXXX  and the incorrect information is still there. 
This account was Never Late and never charged off however XXXX, Experian and XXXX  have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However XXXX, Experian and XXXX  have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist

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 2020-05-19 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
Allied collection group is showing a collection account on my credit report in spite of the fact that this account was not due until XXXX of 2020 and was paid in full, XXXX of 2020

Company response to consumer: Closed with explanation