vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I cancelled my credit card 5 months ago because they charged me and annual fee. There was a balance of approximately XXXX XXXX when I got my next statement after closing the account not for the interest but each month they have been charging a XXXX maintenance fee! Im about to make my last payment to them they have XXXX  me out of {$60.00} for closing that account all of my crudits cards are paid off and none others have ever charged annual or maintenance fees! The c/c company is Fortiva there phone number is XXXX XXXX XXXX and correspondence address XXXX  XXXX XXXX XXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: PA

Complaint narrative:
My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/21 I applied for an increase on my Nordstrom card. I was denied although I have paid my card in full and never missed a payment. I requested a supervisor to override the decision and refused. As I know a company can do a reconsideration based on However, note that issuers are required to reconsider your applications upon request. Under regulation 1002.6 in the Equal Credit Opportunity Act, it states that creditors shall consider any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants. I will like an increase or they can just close out the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Beginning in XXXX or XX/XX/XXXX, I have received numerous phone calls from Portfolio Recovery Associates, alleging that I owe a debt of {$550.00} to them, which had been placed in their office by XXXX XXXX XXXX XXXX  XXXX XXXX. Ever since the first time they contacted me, I have disputed the amount owed. Every person I talk to provides a different explanation, and nobody seems to want to resolve the issue. 

This was a secured credit card, and the amount they are saying I owe does not have the security deposit applied to it. The security deposit that I paid to XXXX XXXX XXXX XXXX XXXX  when the account was opened in XXXX, was never applied to the account in any way, nor was it returned to me. 

I had successfully had this debt completely removed from my credit report, because the amount is incorrect, but somehow Portfolio Recovery Associates placed it back on my credit report. They refuse to see that the amount is incorrect, and nobody wants to help me. 
They have been given over a year and numerous opportunities to fix this. I am hoping that the CFPB can help me finally resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: CA

Complaint narrative:
I received a replacement card from direct express. I've had their card for several years. I tried calling to activate it since I got it ( XX/XX/2021 ) at approximately XXXX XXXX. I was put on hold for hours. In fact I stayed awake all night trying to reach them. No answer. Now I'm very ill XXXX XXXX XXXX XXXX, and I need access to my money. So at XXXX XXXX  XXXX XX/XX/2021 XXXX. I called and now they just hang up on me. Repeatedly. If my health gets worse because I can't buy the food and medication that I need because they will not answer the phone to activate my card. My family will hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been going back and forth with bank of america since XX/XX/2021 in reference to unauthorized purchases and atm withdrawals using my debit card. I have written to them on 4 occasions as they keep closing my dispute as unpaid. The only reason they have given me is to say that I authorized these transactions and I have explained all 4 times that I did not. I was not aware that my card was being used and all those excessive transactions were taking place as bank of america never notified me although the activity should've raised major red flags based on my account usage and history. As soon as I discovered my card was missing I contacted bank of america immediately and also went to the branch. I withdrew pretty much almost all of my money which was almost {$10000.00}, because I was afraid that these thieves would be able to victimize me again. Bank of America did nothing but charge me {$15.00} for a new card that day, although my card was clearly stolen. There were purchases happening in places super far from where I reside and places I have never been. I explained over and over to bank of america that I had nothing to do with this and asked what do I need to do for my claim to be approved as this is fraud. There were back to back atm withdrawals which to me should've been a red flag, because I never do that. I have continuously asked what exactly do they need from me. Bank of america never tells me anything, they just deny the claim and say the transactions were authorized by me. No further explanation and no assistance at all. I am feeling victimized all over again by my bank as I am being accused of something that is not true. 

XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay XX/XX/2021 Unable to pay Claim date : XX/XX/2021 Claim number : XXXX Claim amount : {$1300.00}

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 monetary relief
Consumer complaint received 2021-06-04 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: NC

Complaint narrative:
Currently, Navient is reporting negatively on my credit report due to not being able to make the high amount monthly payments. I am a single mother with multiple bills and am unable to meet the monthly payment they have given. They send me notices via email daily and it stresses me out. I tried working with them and have been paying up until now. I can not afford the payments and they have no other options for me to repay the loan back. They were not able to work with me when trying to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I made a purchase for XXXX with XXXX XXXX on XX/XX/XXXX. The charge was 18months no interest. The statement states the full balance had to paid in full by XX/XX/XXXX. I made a a payment of {$35.00} on XXXX XXXX and paid the remaining balance of of {$460.00} off on XX/XX/XXXX which bought my balance to XXXX. I made another purchase on XX/XX/XXXX of {$4600.00} XXXX which was 60 months at 14.99 % ). On XX/XX/XXXX I was charged finance charges of {$36.00}. I contacted XXXX and inquired about the finance charges considering I had already paid off the {$500.00} balance and the new charge had not been 30 days. I was told that I did not pay the XXXX off in the grace period therefor the charge was correct. I called in on XX/XX/XXXX and was told the exact same thing. If they are offering a promotional finance and there site state if the promotional balance is not paid in full within the promotional period then all accrued interest will be charged to the account. In my case the balance was paid and I was still charged finance charges. I feel this company is overcharging customers and not following their policies that are posted on their site and billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection trans world system inc. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: WV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NV

Complaint narrative:
Company is not sending monthly statements and continuously charging additional fees. Company also reported my account as late even when current making payments during COVID

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BEST BUY/CBNA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft MACYSDSNB  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-06-04 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX  This is not mine.

10. Identity Theft DISCOVERBANK Account Number : XXXX  This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
On XX/XX/XXXX I receved an alert from Equifax that I credit score went down 86 points. I did not know why. So I checked and saw that a particular collection company re-age or changed the Date of First Delinquency which is illegal. It was changed to XX/XX/XXXX and the original date was XXXX XXXX. So that why my scores went down. I have proof that I will be forwarding in this email to show the discripancies. XXXX XXXX XXXX. is the name of the company. I've been dealing with this issue for almost a year now. FCRA 6d23 ( 5 ) a was violated. Fderal Law violation. I have the proof and I'm willing to share. Plus they are harassing me with phone call daily and hangng up. I need this to stop. I'm steress enough and consumers shouldn't have to go through this to fix an errounous error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine.

4. Identity Theft XXXX  Account Number : XXXX  This is not mine.

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

8. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

9. Identity Theft BRCLYSBANKDE Account Number : XXXX  This is not mine.

10. Identity Theft XXXX  Account Number : XXXX  This is not mine.

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 2021-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
A UNKNOWN ACCOUNT HAVE POPPED UP OM MY CREDIT IT REPORT.IT IS HURTING MY CREDIT PROFILE. PLEASE REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WY

Complaint narrative:
My lender is not helping me save my house. I tried to submit an application but my lender refused my application and said that there is no offer available for me. I just want to save my house and I am able to make my monthly payments now that I have been doing well. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX I was in training for the XXXX  XXXX of XXXX thru XX/XX/XXXX I arrived at my XXXX XXXX  XX/XX/XXXX at some point in XX/XX/XXXX someone was able to get a second bank card for my personal account and withdrew a total of XXXX from a atm in Tennessee Im XXXX  at XXXX XXXX North Carolina also I have never been to Tennessee they are still in the process of deciding where to get give me the money back or not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: NY

Complaint narrative:
As a consumer ( XXXX XXXX ) and the one who holds ALL THE POWER, these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & Social Security Number : XXXX, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I sent this agency a letter on XX/XX/2021 letting them know that there are fraudulent accounts on my credit report. This agency ignored my letter and still to this day XX/XX/2021, they have not responded. I feel as if my consumer rights are being violated and I'm sick of it. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. the Erroneous RESULT OF The XXXX  XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian Transunion and XXXX. also I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. SO If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). please see attached invoice and pay it immediately upon receipt of this letter.

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 2021-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My husband and I bought a home XXXX of 2018. One year later he passed and I have been struggling ever since to pay the mortgage, since my only income is from social security. I have tried several times to refinance but have been told I don't have enough income because of a car payment. I have since gotten rid of my car and decided to try again. On XX/XX/XXXX I spoke to XXXX at Rocket Mtg. He told me I could qualify for a refinance with no closing costs. My problem is my current mortgage payoff is {$110000.00} at $ XXXX/month with a rate of 4.625 %. The mortgage Rocket gave me came to $ XXXX.at $ XXXXmonth with a rate of 2.99 %. To me, that is an {$8000.00} finance charge, for what? I don't think it's worth doing to save $ XXXXmonth and I certainly wasn't informed that there were fees of {$8000.00} that would make my new mortgage payoff be so much higher then originally. I feel as though I am being taken advantage of, since no one explained the whole process to me while I went through the application on line while speaking to an agent on the phone. I feel like everything was done very quickly and I didn't have a chance to ask any questions. Someone told me that if I cancel the mortgage, I have not sent them any documents so far, only what they obtained from my credit report. I would be responsible to pay costs to them which I really can't afford. Please help, I don't know what I should do.

Company response to consumer: Closed with explanation