vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I do not have dates because they are not showing up on anything the Credit card company has given me but I got an ASPIRE Mastercard and its not accepted most places that Mastercards are accepted. This has been going on since I got the card, I called todayNd they said I had a {$7.00} available credit when there automated service and app says I have {$140.00}, they told me I must be buying it from insecure places but unless every shop in XXXX County is unsecured I thing the security issue is more likely on their end. They are charging me fees for a card I can barely use. This has been happening since I first got the card and knew it had to the full amount approved by the credit card company available. I hope you will look into their practices because I have never had issues like this before with any credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXXXXXX 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 explanation
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : 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 explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2020 I paid off my Citizens One Home Loan. On XX/XX/2020 Citizens One Home Loans issued a Escrow refund of {$5500.00} via a check # XXXX. The check arrived in the mail XX/XX/2020 ripped in half and I was unable to deposit the half I had due to missing pieces. I contacted Citizens One to receive a callback on XX/XX/2020. Upon getting the call I was told to return what I had of the check with a letter requesting a new check. I mailed the check back on XX/XX/2020 with a letter stating the account number, the check number, and direct request to have a new check issued and requested to have a notice to my accounts secure message that the check was received. I never received any notices. On XX/XX/2020 I requested another call from. Citizens One Home mortgage to get an update on the status of the check. I also sent a secure message to customer service. During the call I was told that there were no updates on my account and no new checks were mailed. The customer service rep. said she would open another request on the account to have a new check mailed. On XX/XX/2020 I received a notice over secure messaging that my account shows that I notified Citizens one mortgage that I mailed the check on XX/XX/2020 and that a new check would be issued when they receive the old one.  Either they did not process the letter or USPS lost the return letter as it has been 20 days since I mailed the check back and it doesn't take 20 days to mail anything anymore. 

It has been 41 days since I paid off my loan. Citizens One Home Mortgage is still holding my escrow hostage and I believe this is in violation of RESPA 1024.34 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berndt & Associates, P.C.
State: MI

Complaint narrative:
On XX/XX/XXXX, a Default Judgement was entered against me for a credit card debt. After further research into the credit card debt, I noticed that I was being charged interest on the debt before a judgment was even recorded. The amount of XXXX was written off XXXX of XXXX an affidavit was filed with the court sating there was accrued interest on a charge off account.I have a document from the original creditor stating the last payment on the account was made on XX/XX/XXXX on XX/XX/XXXX I received correspondence from the attorney stating that the amount owed was XXXX with interest and on XX/XX/XXXX, a default judgment was entered for XXXX with additional interest now the total amount that the attorney is seeking is XXXX which a garnishment was sent to my place of employment for that amount. I believe that the collection company and the bank has violated the Fair Debt Protection Act through its practice of retroactively imposing post charge interest on consumers debt I seek to be made whole I tried to go to court and explain this to the judge but because I did not show up to the court within 14 days of the complaint the judge said he couldn't listen to my side of the story I just don't understand how collection companies can get away with adding interest to an account that was charged off the bill of sale from XXXX  XXXX XXXX does not have an account number or an amount owed on it. I am asking to be made whole this account has stopped me from purchasing a home it was an embarrassment for a garnishment to be received by my employer the default judgment expired on XXXX XX/XX/XXXX but the attorney never sent over an ex parte order I was never even notified that the judgment was extended for another 10 years never received any documentation on that except for a letter from the attorney to me and my place of employment stating that the judgment is valid with no court papers along with the letter. Please help stop deceptive debt collection inflating charged off debt. Consumers in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Called bank that their was a charged of XXXX on my account that i did not make from a store name XXXX in New York. The same day a box was delivered by XXXX  with merchandised from this store it had no invoice or paper work inside the box. I tried calling the store, but because the store only get emails it did not return any of my emails because i did not gave any information regarding the invoice. On XX/XX/XXXX I received a letter from chase that the charge was correct and that they close my complaint because a box was delivered to my home from the store. The next day XX/XX/XXXX we called Chase again regarding the claim being denied they said that we have to return the merchandised which cost me XXXX to sent back and they told us to call chase back and give them the tracking number so we did call them and gave them the information. On that same day I filed a complain with the XXXX  regarding my situation with the store two days later they reached out and said they would process my refund once they received the merchandise.They received the merchandise and tried to refund the money but since my card was closed they cant refund it. I have called chase and their no help they cant find the calls we made them when they said to send the merchandise back or they drop our calls or make us wait 30 minutes for some one to  answer.The XXXX  sent us a copy of the invoice on XX/XX/XXXX all the information was incorrect the phone number was from someone in florida and email was wrong so i dont get it when chase said that they wore able to prove that i was the one who purchased it.??? It has been a rough 2 months because XXXX plus XXXX for shipping and not working has made it hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Case # : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Date of Transaction : XX/XX/2020 Amount : {$820.00} I was notified on XX/XX/2020 by the airline that the flights were cancelled, and no alternatives were available ( see enclosed email ). On XX/XX/2020 I emailed the merchant as their phone line and online chat features said that due to COVID they could only assist with new bookings. In it I informed them that the airline had cancelled the flight and asked for a refund. 

Previous to all of this Fareboom ( the merchant ) sent an email on XX/XX/XXXX stating that a cancelled flight would result in a full refund ( also see attached ). 
It wasnt until after I submitted my dispute on XX/XX/2020, 10 days after my flight was cancelled ( and well past the 7 days that the DOT says refunds due to cancellation must be processed ) that I got any correspondence from XXXX. It was a generic email trying to get me to take a travel waiver, which at this point I think we all agree I was entitled to a full refund so a moot point. 

As it stands, my trip is still in a pending status and I have no tickets due to the flight being cancelled and I also have no vouchers to use. I also have attached a chat transcript where they admit I am due a refund but are holding it hostage for a {$100.00} per passenger fee because I disputed the charge due to them fraudulently trying to keep my funds and ignoring any requests to handle it before it was brought to CapitalOne. 

Disputing this charge with CapitalOne has resulted in no satisfaction. Despite now having nothing for the almost {$1000.00} I was charged. No tickets, no vouchers, and a merchant 100 % unwilling to assist. If that isn't a charge worth disputing, I don't know what is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
We had XXXX XXXX and it didnt work so we canceled and paid and never heard back and then noticed a collection on my credit report. They didnt even send a letter or call or anything before putting this on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 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: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Siggi LLC
State: FL

Complaint narrative:
I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I posted in the XXXX Vacation Rentals Private XXXX Group that I was looking for a condo to rent near the beach. I got many replies back to my post as well as someone with the XXXX name of XXXX XXXX XXXX who reached out to me via XXXX XXXXPrivate Message and said her rental was available. After asking many questions, I told this person that we'd think about it. We looked at all of our options and decided we wanted to proceed with her property. 

Almost 48 hours later I reached out to her, asked a few more questions and then told her we were ready to book. She gave me the option of booking online through her management company XXXX or I could book directly through her. I asked her if there was a difference and she said no. The only difference was that we'd save the {$400.00} fees the management company charges. We decided we would like to save on fees and would book directly through her. 

She provided me her XXXX information, which was an email address of XXXX under the name of XXXX XXXX XXXX XXXX XXXX. I logged into my bank account with Bank of America, and used XXXX to send {$1000.00}. This person sent me a PDF confirmation from XXXX that looked very suspicious, so I started investigating and realized it was a scam. Upon notifying the group on this scam and discussing this person with a moderator of a different beach group, I learned that this individual or group of individuals has scammed many people using the XXXX XXXX XXXX fake account as well as other fake accounts, including XXXX XXXX, Virginia XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. He/She has even taken names of members in the group and created profiles with their names and tried to go that route as well. 

We are frustrated because we thought that by using XXXX through Bank of America, there would be fraud/scam protection and Bank of America would be able to work with the recipient 's bank to retrieve funds.

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 2020-06-23 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: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 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 explanation
Consumer complaint received 2020-06-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 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 explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
I have 3 unauthorized hard credit inquiries that were submitted through XXXX XXXX XXXX and appear on my Equifax Credit Report. The unauthorized inquiries are dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of these hard credit inquiries were initiated by me, nor were they authorized. I disputed the hard inquiries with Equifax, and they said denied the dispute stating that is was " a factual record of file access. '' In their response, they said to contact XXXX XXXX XXXX directly which I did. After jumping around to a bunch of different departments, I was directed to the ID Theft department, who then directed me to a website to submit my claim. None of the categories fit my problem ( unauthorized hard credit inquiry ) so I was unable to submit a claim. I am simply going around in circles. I want these inquiries removed from Equifax credit report because I never authorized those credit checks to begin with. Additionally, this has harmed my credit score, which could impact my mortgage approval since I plan on purchasing a new house in California within the next year. I have since placed fraud alerts on my Equifax and XXXX  accounts. I am following up with XXXX  tomorrow because their office closed before I could complete the fraud alert. Again, I would please like these 3 hard credit inquiries removed from my credit report as I didn't authorize them. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: MO

Complaint narrative:
I have disputed several accounts on my personal credit report with XXXX, Experian, and XXXX  and yet XXXX, XXXX and Experian are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by XXXX, XXXX, and 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