vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 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: OH

Complaint narrative:
The company offered a credit card with a {$49.00} annual fee. I accepted the terms and then received a credit card. I paid the {$49.00} on XX/XX/XXXX and then today XX/XX/XXXX I received a letter stating that was an error really the annual fee is {$150.00} and when I called them they said it was " just a little mistake ''. 

They refused to honor the {$49.00} then when I ask for it to be refunded they said I had to call them back again. 

First I'm not sure how they can change the terms after they already accepted the annual fee. Secondly I hadn't even activated the card they should be giving me my money back at the minimum. 


There appears to be something wrong with the business practices here.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. 

I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. 

Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. 

This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE AUTO REFINANCE ON THEIR SITE SAYS THEY WILL GIVE YOU A FREE QUOTE WITHOUT AFFECTING MY CREDIT. I GOT THE FREE QUOTE YET THEY PUT A HARD PULL ON MY XXXX  CREDIT REPORT DROPPING MY SCORE. I CALLED THEM AND THEY SWORE IT IS A SOFT PULL YET MY CREDIT REPORT SHOWS HARD PULL AND DROP SCORE BECAUSE OF. 

VERY MISSLEADING TO THE CONSUMER AND WRONG, NOW I HAVE TO SPEND HOURS TRYING TO FIX. I WOULD LIKE THEM FINED IN SOME WAY THIS IS WRONG AND FALSE ADVERTISING, COPY OF ADD, ATTATCHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XXXX XXXX for {$250.00} co-pay for outpatient XXXX. I called both the collection agency and hospital. I had no XXXX? In XX/XX/XXXX, I was in Florida most that whole year.The hospital could not find any either. There is another patient with same number. I did have a minor XXXX in the doctors office that would been subject to the office co-pay but it would not had been in office at that amount? The lady stated that from hospital. She said dont worry its closed out? 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Mail XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXXFLXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

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 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/2013 I received a letter from Portfolio Recovery Associates stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/2013, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear sir or madam I have a leagal question related to advance notice of an adverse change to Agreement and Schedule of fees. 

I opened my account when I was in US almost 15 years ago. 
Then, I returned to my country, at that time, I did not close this acoount because it is convenient for me to use this account whenever I travel to US. 

I have been recieved monthly statement of my account from the bank in order to check my account out. 
But, in last XXXX, suddenly, monthly fees were withdrawn from my account. 
I did not understand any reasons for it, so I sent letters to the bank three times. 

They reund the monthly fees to my account after they recieved my letters and sent Agreemt whice guides me about my rights and obligation for my deposit account and deposit relationship with them. They also sent Schedule of fees which guides me about schdule lists account fees and the way to avoid some account fees. 

I guess that they withdrew montly fees from my accounts after they changed Schedule of fees in last XXXX. Because the date of effective XX/XX/2017 was printed on the front page of Schedule. 

However, they did not notify me this change before this changed Schedule would be effective. Schedule 's overview says " We may change the accounts and sevices described in this schedule at any time. We may add new terms and conditions. We may delete or amend existing temrs and conditions. ".

On the other hand, Agreement says " We ordinary send you advance notice of an adverse change to this Agreement. However, we may make changes without prior notice unless otherwise required by law. ". 

Here is my question. Is there any laws to describe that banks must notify this case of changes in advance? 

Sincerely, XXXX XXXX XX/XX/30

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 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Uber Technologies Inc.
State: TX

Complaint narrative:
An unrecognized hard inquiry made by XXXX XXXX , XXXX. on XX/XX/2017. on XXXX   reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items

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 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Debt collector : Portfolio Recovery Associates, LLC Amount : {$860.00} Account number : XXXX Fraudulent account opened by a family member in my name when I was XXXX/XXXX years old. I am now almost XXXX and have been battling to have this unauthorized/fraudulent account removed from my credit report since I was XXXX. Originally creditor was XXXX XXXX. 
I have submitted fraud affidavit paperwork requested by PRA twice and in return they send me letters claiming the debt is valid and include a statement for the account from XX/XX/2012. 
I was married right after I turned XXXX and gave never opened up a line of credit in my maiden name. 
PRA has not validated this debt once in the entirety of their collection efforts, they send the last bill given to them via XXXX XXXX and say it's validated. They have not investigated this account and I've disputed it more times than I can count and they refuse to budge. They have once again sent me another fraud affidavit as well as another copy of the final statement from this account. 
It is causing wrongful damage to my Fico credit reports and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
A creditor retaliated after I filed a dispute with all three credit bureaus. On XX/XX/2018 an unauthorized 3rd party accessed by consumer report which which led to a denial based on key factors disclosed on my personal consumer file seen by ChexSystems, Inc. 

I pulled my credit files and discovered another derogatory error for 3rd parties to see updated by Creditor. I was unable to dispute matter. Items reported by XXXX affects my security clearance. My consumer reports has a security freeze and fraud alert. 

Adverse action taken by XXXX XXXX XXXX XXXX XXXX XXXX allege my consumer scoring was pulled by ChexSystems, Inc via email

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 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Leading Edge Recovery Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that I owe {$400.00}. Also on that same letter was a note giving me a chance for a settlement to clear off my debt. As I contacted the debt collection office some time later and was told that my debt was reduced to XXXX. I agreed to the amount and proceeded to pay. As the debt was paid off on XX/XX/XXXX, a confirmation number was given to me with an additional {$9.00} added on because the debt was paid over phone using a debt card. The representative declare that the payment went though and I was good to go. A confirmation letter was never sent to me. The company since then has not taken my name off the collection list for debt and has been repeatedly calling informing me that there is no record of me paying and even refuse to look up my confirmation number as proof that I paid. That debt is impacting my credit score and even as of now conflicting with my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.

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 2018-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am trying to do a refinance and I am working with company called XXXX! XXXX is trying access my Equifax report and credit score but it has block on them and wont report. I have called 4 to 5 times and Equifax tells me there is no problem with my report. Must be on XXXX side. XXXX is getting APPLICANT FILE BLOCKED AT EQUIFAX ERROR Code : XXXX. 
Equifax says there is nothing else they can do for me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens Bank at XXXX XXXX XXXX XXXX, RI I rolled over a CD at this bank on XX/XX/2018 this was two days after its expiration and the assistant branch manager ( XXXX XXXX ) charged me an illegal {$50.00} early termination fee. I had to call and complain twice before it was fixed. Bank is shady and I have had problems with them in the past with illegal fees and aggressive sales tactics. 

I can provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
Today ( XX/XX/2018 ) I attempted to send money to a person several times. 
By cash at the location and then online. 
Moneygram rejected me both times. 
1. They said there was an error processing. I contacted Moneygram and they said that they had no history of an attempt. 
2. Error processing. This time they said that they could not complete the transaction with my bank. However, they took {$790.00} out of my account and then told me that it would take up to 72 hours to drop the authorization. 

If this was isolated I would not be as angry. But this is an ongoing problem with them. They always seem to have errors whenever I want to send or receive. I have contacted them several times about these issues and all they tell me is that there are no blocks on me and that I should be able to send or receive. 

I feel they do not live up to their claims by a longshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: AL

Complaint narrative:
AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. 

Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: LEXISNEXIS
State: MI

Complaint narrative:
Went to XXXX XXXX XXXX to obtain a loan, and someone else was able to use my social security number. LexisNexis provided information on two individuals with the same social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.

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 2018-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I saw an account for the Commonwealth Financial systems on my credit report, and after doing some research, the amount i " owed '' was for a hospital bill my workman 's comp paid for getting injured at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed

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