vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
In XX/XX/XXXX, I signed up for CareCredit for my XXXX XXXX. The XXXX cost {$3600.00} and the clinic that operates on my XXXX telling me I can apply for CareCredit for XXXX interest-free payment plan. I accepted the offer without knowing that my auto-payment plan was on minimum payment that won't pay off my balance by the end of XXXX months. 

I've always assumed that the balance will be paid off without checking. Until recently XX/XX/XXXX is when I realized that my balance has been slowly increasing each month due to fees and interest since my offer expired. That prompted me to look for ways to resolve this with CareCredit and that is when I found the case in XXXX against CareCredit about the non-transparent practice of such kind of loan XXXX https : XXXX ). 

On my bank statement in XX/XX/XXXX, my balance was {$3200.00}. XX/XX/XXXX became {$4100.00}. And now my most recent statement in XX/XX/XXXX is {$4600.00}. I have not missed any payment, totaling {$2500.00} from XX/XX/XXXX till XX/XX/XXXX. The only reminder I got about the offer expiring was the one line in the email in XX/XX/XXXX with my balance saying the promotion is expiring soon. I contacted CareCredit for a settlement for paying off the loan with a discount but they said my loan is not qualified for the settlement. I felt that CareCredit did not make any effort of helping me decreasing my balance, and it seemed to me they'll happily never let me know I would have never paid off that loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
experian dropped my credit fios 9 points after i filed disputes, now will not take any disputes, reporting incorrect balances, also i can not dispute XXXX  ore XXXX all i get is opps something went wrong.reporting incorrect balanced, paid off 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 2021-03-30 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:
On XX/XX/2021 I submitted a dispute regarding incorrect information on my credit report. It has been over 70 days and have not had any communication about the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
So opened up a PayPal account they my good friend sent me an amount for personal use. It was received on PayPal but was pending or on hold for reasons. I waited 3 days or so then woke up this morning with an email saying I'm permanently limited or disabled. And can't no longer access my account send withdraw or get the mo I urgently need from PayPal. Rather now will have to wait for 180 days before they will refund which is not my fault for the error of disabled without an explanation. I really need that hard earned money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with Transunion, XXXX  & XXXX to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.

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 2021-03-30 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: FL

Complaint narrative:
XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, Equifax & XXXX  to provide proof I was late so I can see this information, XXXX  has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one  of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: FL

Complaint narrative:
XXXX is claiming I was late 3 or delinquent 3 times on my credit report. XX/XX/2019, XX/XX/2019, and XX/XX/2019. Ive tried several times to get this corrected and prove that I was not delinquent, however when I try to access my statement history for anytime past 3 months, the system doesnt allow me. Ive called in several times regarding this issue and have been transferred to multiple departments, all of whom also cant access this report. Ive disputed this with XXXX, XXXX & Experian to provide proof I was late so I can see this information, Fairwinds has claimed I was more than 30 days late 3 times and that I hadnt made a payment in the 60 day timeframe, I however have attempted to using my XXXX XXXX  with account # ending in XXXX. Their website rejects the payment as an external source without explanation or notifying me, so I can use their banking services. An executive with the company denies this, which of course is a lie. Ive called in to make payments using external banks and they charge erroneous & unduly fees on the consumer. They claimed to have sent me letters explaining the delinquency, however they sent it to a wrong address that is not on my credit report. They repeatedly refuse to rectify this. Ive emailed XXXX XXXX - CEO and got a response from one of his executive who claims that this information is accurate and refuses to provide proof or any investigation into the myriad of phone calls Ive had with multiple departments, so I cant access previous statements, get an investigation into the several phone calls and I have his executive saying thats all part of the FCRA and thats why they cant remove it. This information is reflecting negatively on me & my creditworthiness. Its unduly, burdensome, erroneous, misleading, inaccurate and Im asking for it to be removed.

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 2021-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to document significant issues with my current student loans and request remedy. I did not understand the terms of the loan when I originally took them as a XXXX  student more than 10 years ago. The amount that I owe now is more than four times the original principal, despite the fact that I only completed my education and licensure in the fall. I feel preyed upon and Navient will not offer any remedy, despite multiple attempts to work with them ( email exchange with Navient attached ).

[ I would write a few sentences here about what you knew and what the situation was when you took on the loans ] I took out {$46000.00} in student loans at age XXXX to pay for school expenses including books and tuition. I assumed that there would be some interest, but I didnt understand what a variable rate was and the impact that this purchase would have on my well being and livelihood. 

I am currently a XXXX XXXX XXXX and I have to work five jobs to pay my monthly payment. The interest only payment is approximately {$2100.00}. I have to pay above the interest to make even the slightest dent in my principal. As a result, I work a full-time job Monday through Friday, and four part time jobs including XXXX at two separate universitys and doing XXXX  XXXX  at two separate companies. This is not a sustainable practice, I am often exhausted and unable to properly care for myself and my family, I am also a mother. 

I have reached out to Navient multiple times regard additional payment options. I was denied twice via telephone and once via email for loan refinancing. The person I spoke with was unable to state why I did not meet the requirements for loan refinancing, they stated that they enter my information into the system and are provided with the options. The people I spoke with were also unable to tell me what had to be done in order for me to meet loan refinancing requirements with Navient. Additionally, I contacted Navient and was notified that they are unable to modify or settle any of my loans for a lesser value. 

Principal / Current balance / Variable interest rate XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX / XXXX XXXX / XXXX / XXXX Total Principal = XXXX Current Balance = XXXX This student loan experience is overwhelming. I am hopeful that, with your assistance and advocacy, I can have a reasonable monthly payment and pay off the principal I owe rather than extreme interest. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, while reviewing my Experian credit, I noticed my mortgage company, XXXX XXXX XXXX ( XXXX ), shows my loan terms as 600 months. I did not sign any documents with XXXX  to change the terms of my loan. However, my credit report shows that the term with XXXX XXXX was 360 months. 

Additionally, XXXX 's credit reporting shows that my mortgage account was opened with them on XX/XX/XXXX, but they were not my mortgage company until XX/XX/XXXX when XXXX XXXX transferred it to them. 

I have sent a message to XXXX to address this matter but have not received a response. Also filed a dispute with Experian.

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 2021-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I have been a Bank of America Customer for 15+ years. I made a mobile deposit of a check in the amount of {$10000.00}, check number XXXX, from XXXX XXXX XXXX to my Bank of America savings account ( last four is XXXX ) on XX/XX/XXXX. Within 5 minutes time a hold was placed with a message " Total amount delayed, available XX/XX/XXXX at XXXX XXXX  CT. '' My wife and I are busy professionals with children. We work as XXXX  who have, like many, risked our lives this past year. We never ask for special treatment, only to be treated with fairness and dignity. Bank XXXXf American has treated us with indifference and, frankly, by doing so with disdain. 

We took out an IRA distribution from XXXX XXXX, {$10000.00} to pay for needed medical care for a family member, which had to be paid by XX/XX/XXXX. The check is from a major financial institution - XXXX XXXX. There is absolutely no valid reason for Bank of America to hold these funds. I was informed by the telephone service rep " The deposit is too fresh '' and advised to call again the next day. This is after waiting 35 minutes to speak with her the first time. Now I should cancel patients and dedicate what? ... .an hour to try to mitigate this? Unlike Bank of America, I do not treat others with indifference and disdain - either passively or actively. 

B of A never seems to fail to capitalize on an opportunity let people down when there are in a time of need. I should have predicted this situation. In this manner, I hold some culpability. I plan to share this story with all my colleagues in the XXXX  and XXXX XXXX  I hold a XXXX  position with. If I practiced XXXX  the way Bank of America 'practices ' its banking profession, I would lose my license and likely be prosecuted.

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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
I had purchased a auto from at the time a company called go financial I took possession of the car XX/XX/XXXX the car was repossessed on may XXXX. These company during the process was very deceptive with the terms i have been disputing this auto with Go financial since XXXX they refuse to remove the item from my consumer reports which is illegal. If you check my reports now they have my car being taken repossessed in XX/XX/XXXX, but XX/XX/XXXX the company list the car as charge off. They never shared any information with my after car was sent to be sold. The company now is bridgecrest. This company is violating many of my rights as a consumer, and has stopped me from being able to have a fair consumer report. Before the repo i had a deferment with company, and still was repossessed the abusive practices that were used during the duration of our consumer credit transaction are illegal to share my information with other consumer reporting agencies is in infringement of my privacy. I am so upset as a consumer to know that these practices actually take place everyday with hard working consumers i demand that this company takes action immediately and remove this auto from report. I am the original creditor that extended the credit to this corporation to make this process possible there are many federal laws that i was use to make sure that justice is served pursuant to 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " should be excluded from all consumer reports. My Credit card as a consumer is my social security number that i used to make this transaction. I demand that this company remove this account from my account, and compensate me for the violations. for violating my privacy, and most important for the unethical practices.

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 2021-03-30 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: TX

Complaint narrative:
So basically the week of XX/XX/21 I called XXXX and asked how can I get late payments from student loans off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on XXXX  ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their CEO & CFO ) to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX ) and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my student loans and 1 collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.

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