vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I had ( 2 ) open credit card accounts with Fortiva. Each card has incurred a monthly service charge and once a year an annual fee. I originally applied to these credit cards in an effort to build my credit and to show more available credit as eventually I would like to buy a home. 

I have used the credit cards minimally, have always paid monthly balances on time, and as mentioned above, even without charging pay the monthly service charge and an annual fee. 

I received emails yesterday informing me that because I have not used my cards in a while, that they are closing them. When I spoke to customer service this morning they informed me that not only could I not have them reopened, and that they would be reporting to the credit bureau as a " negative '' that these accounts were closed. 

I have several credit cards, and none have ever penalized me for " inactivity '' and reported negatively to the credit bureaus. 

I feel like I have been penalized for exhibiting responsible credit behavior by Fortiva and their emails informing me they closed my accounts occurred on the same day that the Federal Reserve raised interest rates. Between both accounts, I paid close to {$23.00} a month in service charges and annual fees just to show the available credit. I planned to close the accounts once I was able to purchase a home. 

It seems to me that I have been ripped off by this company month after month and that now it's going to affect me negatively on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I disputed a credit card account with transunion and it said that it was going to be deleted but its still on my credit report

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 2022-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been attempting for several months to assume the mortgage on my deceased mother 's home. I am the sole heir, and have been recorded on the title. 
I have made multiple phone calls, and sent several emails to advance this process. 
Upon each inquiry, Freedom Mortgage asks me to submit a mortgage assumption form. I have submitted this form on 3 different occasions. I have also submitted all other required documents ( death certificate, letters of administration, recorded title ). 
After submitting the form Freedom Mortgage completely ignores my request, and I'm forced to submit yet another inquiry to attempt to move the process forward. 

Also, I began asking Freedom Mortgage about removing XXXX from the existing loan. 
They again ignored my inquiries for a few months. Finally they replied that the current mortgage is FHA and is not eligible for an XXXX XXXX, but that I could simply refinance into a conventional loan to remove XXXX. Had Freedom Mortgage responded in a timely manner, when mortgage rates were in the 3 % range, this would have been a feasible option. However, due to their egregious delay, mortgage rates have doubled making a refinance option untenable. 

I believe this shows purposeful bad faith on the part of Freedom Mortgage, and would like the issues resolved 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
Consumer complaint received 2022-07-28 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: MI

Complaint narrative:
I told the credit bureaus to investigate every piece of information on the accounts I have listed on the complaint. According to the FRCA the term " investigate consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX my XXXX XXXX XXXX daughter discovered unauthorized use of her bank card. She called and reported these as fraudulent as well as requested her account be frozen and a new card issued. For four days after new charges kept popping up. This time I called with her and the account was in fact frozen finally. On XX/XX/XXXX I discovered Truist bank froze my son and I 's checking accounts. They claim our accounts were frozen because my daughters account is still linked to mine. They have refused to unfreeze the account leaving me with no way to provide food in my house, go to doctors appointments, or refill medications. This is my only account and I do not own a credit card, or have access to cash. The total charges in question are {$3200.00} and I was told by Truist the only way to regain control of our accounts was to come in with cash to satisfy this debt. My daughter denies having any knowledge of these charges and still has her debit card so this did not occur because of a lost or stolen card.

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 2022-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights.

1. XXXX XXXX XXXX Original creditor XXXX XXXX  Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  Account number XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX XXXX XXXX  ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights. 
XXXX XXXX XXXX XXXX  Original creditor : Progressive Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXX via XXXX XXXX, INQUIRY DATE XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/22 I saw an unauthorized purchase for {$1300.00} on my credit card. I immediately notified Citi Bank Costco Card about the fraud. They removed the charge and I opened a fraud case. On XX/XX/22 Citi Bank advised me that the charge was correct and placed the charge back on my account. I requested documentation and was sent an invoice from a company called XXXX for a computer which was shipped to a man I did not know at an address I did not know. I immediately contested the decision and asked to continue the dispute. I was given contact info for XXXX and called their customer service office and talked to XXXX and explained that I did not purchase the computer and did not know the person who received the computer. Advised that the man listed on the invoice and address was not connected in any way with my credit card. Provided my contact info and to date no one from XXXX has contacted me. I have sent multiple email to Citi Bank requesting an update and called several times. My on-line account with Citi states that the dispute is ongoing and will be resolved by XX/XX/22. Today I called to request an update and was told that the Billing Office had sent the dispute to their Security Office and the Security Office had returned it to the billing Office. I was connected to the Security Office where I once again explained the situation and that I was very frustrated and had been very patient with the bank. I was told they would re-open the investigation and someone would call if they had more questions. This was never a billing dispute and I stated it was fraud from the first contact with the bank. I need someone in authority with Citi Bank Credit Cards to resolve this issue and remove the unauthorized charge from my account.

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 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Account through chase. I was scammed or victim of fraud, a total of {$2000.00}. Two separate XXXX dollar transactions on XX/XX/XXXX and XXXX. I was trying to buy a monocular online through a site called XXXX. Once the money was sent the person XXXX XXXX then he kept telling me something happened or a bunch of excuses and he couldn't send. I started looking into his feedback on the website and realized he had set XXXX fake accounts to make his profile look honest but they were all fake and found the same item/ pictures for that same item on sale 8 months prior under a different profile name and that profile was shut down for suspicious activity. I filed a police report and notified the bank of the issue as soon as these things were brought to my attention. After trying numerous times to get my banks help on this to try and recover some of the losses they have not helped or tried assisting me in this at all so far. Police report # XXXX. If additional information is needed I have all the proof documented in email form upon request. I have a lot more evidence in email form but this site is limiting me to the file size I can upload but I can provide everything upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was a victim of fraud the following Inquires were not made by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: OH

Complaint narrative:
I just received a letter telling me that I have a debt of {$140.00} to a company called FROST-ARNETT concerning a XXXX in XXXX. The problem is that I've never been to XXXX so I can't take out a credit there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. 

I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.

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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Experian refuse to correct and properly investigate dispute and update account as disputed XXXX XXXX acc # XXXX account is disputed and should be documented on account this is a violation fcra section 1692 E 8 not reporting as disputed by 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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I received an offer for a credit card in the mail from American Express ( AMEX ). If I would return to them they would provide a statement credit of {$220.00} if I would spend {$2000.00} within the next 6 months. This was all that was stated on the face of the offer. I fulfilled my obligations and received the {$220.00} statement credit. I later cancelled the card. Immediately after my cancellation AMEX cancelled my statement credit and put a {$220.00} balance on my card. I began contacting them about this online on XX/XX/XXXX and disputing the reversal of my statement credit. I was told I would receive a response within 5-6 days. On XX/XX/XXXX I contacted them again. After several tries with several different representatives, I finally had a purported supervisor in XXXX tell me they were not going to honor the agreement and would not reinstate the {$220.00} statement credit because, in the fine print in the agreement that was purportedly online when I signed up, using the RSVP I had been sent, there was a clause that if I closed the account within 12 months they would rescind the statement credit. This was not on the face of the offer I received in the mail and I was not informed of this at the time I was cancelling the card. Or, of course, I would not have cancelled it. It is false advertising and mail fraud for AMEX to send me such an offer in the mail, stating an offer on its face, then claim later that there were additional rules and requirements contained elsewhere in a long online agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
Disputes we're sent to Equifax in accordance with 15 USC 1681i. Equifax has certified per received responses ( Pages 1-8 ) that the bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Equifax has violated Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: GA

Complaint narrative:
It's been brought to my attention that Experian has violated my rights as a consumer. 

According to 15 USC 1681b ( A ) - " Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other '' One of the circumstances is 15 USC 1681b ( A ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates ''. Which means that any item of information on my consumer report can not be placed on there without my written consent, I am requesting that Experian provide me proof of my written consent ( permissible purpose ) giving them permission to furnish the each of the following pieces of information which will include addresses, inquiries, names, and accounts. 

XXXX. XXXX XXXX XXXX ( Name id # XXXX ) XXXX XXXX XXXX XXXX Name id # XXXX ) XXXX XXXX ( Name ID XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ( INQUIRY ) XXXX. XXXX XXXX  ( INQUIRY ) XXXXXXXX XXXX XXXX XXXX  ( INQUIRY ) XXXX XXXX ( INQUIRY )

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
my job just got a report back from you guys showing a crime i committed that was way over 7 years ago and they fired me

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