vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
XX/XX/XXXX XXXX statement generated for the amount of {$200.00} due XX/XX/XXXX. I made a {$500.00} debit card payment on XX/XX/XXXX. I checked my XXXX credit report on XX/XX/XXXX and noticed Fortiva credit card monthly status reflected " late ''. I spoke with a Fortiva representative that day and the conversation goes as followed : Myself : " why is the company falsifying that I was late 30-days for the month of XXXX if in fact I made my payment 6-days past the due date not 30. '' ( In addition, made another payment of {$75.00} XX/XX/XXXX. ) Representative : " our billing cycle generates on the 15th of each month and is automatically reported to the bureau. Since you made a payment of {$500.00} you don't have to make a payment for XXXX. '' Myself : " come XXXX once the billing cycle generates again then the month of XXXX and XXXX should reflect as paid and in good standing. '' Representative : " yes. '' This incident did not sit well with me so I contacted my financial advisor and she recommended me to this site to file a complaint. I am in the process of trying to purchase my first home and this particular incident is impacting my credit score and can potentially hinder me from being approved for a mortgage loan. 

Thank you for your time, patience, and effort

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX I started a process to pay off my Citicard, in full. The balance due was over {$30000.00}. I contacted the company to see if I could get a pay-off amount and possibly have the payment lowered. I did email chats with representatives of the company and will try to forward those chats in chick they kept telling me what the balance was, but then the next month I would receive another bill. I contacted my attorney and he sent a letter requesting the account be paid in full since they did not reduce the balance owed. He then received a letter from them, I believe in XXXX, that needed to be notorized for them to release information to him and we did that within a timely manner. Since then, I have received no response and they have continued to bill me for late charges. I had applied for a XXXX credit card as I was told the balance had to be paid in full every month as I did not want to get " in the hole '' again like I did with Citi Bank. I was immediately denied for late payments due to Citicard even though it is in dispute. I have not heard anything from them and the amount continues to grow.

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 2021-02-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-12 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and LVNV Funding. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: AZ

Complaint narrative:
XXXX, I had identity theft and told XXXX what happened because everything was done online and my social security card, birth certificate and my D.L was stolen and somebody bought phones and lines in my name so I told XXXX and filled out there claim and they contacted me back and said we investigated and we are dropping this, however I have cleaned up my credit and even settled for less for things that are not mine and than XXXX shows up 3 years later saying I owe them XXXX which I thought was taken care of, so now there is a 3 month old bill that is really 3 years ago so it looks really bad on my report. I explained to experian 3 times and they keep saying is its denied because XXXX says its validated. I contacted XXXX and they said they were investigating but I don't trust anybody anymore I need this deleted or I will settle for less just to clear this but the date is not right. It docent take 3 years to put a report in that should be suspicious to the credit agency. also I need help so that nobody puts anything else on my report I need action taken because I still have inquires that are coming up like 45 and they are incorrect, experian, XXXX  and XXXX said they would take care of these but its not happening. I have worked so hard to get this better, I pay my car almost double payments for 1 year at 28 percent and I need to refinance but I can't and I also have two credit cards that have never been late but I can't apply for new correct, my husband and I are trying to open a business and we can't if we don't get approved because they check credit so please assist me and ask the credit agencies to please properly investigate and take these inquires off. I got a car, they said there would only be 1 ding well there are way more than that and all the new ones except like 3 are not mine because I am scared to apply. I would never apply for capital one ever again, or premier or contrast, these credit cards charge annual fees. Please help me Thanks

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DC

Complaint narrative:
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXXXXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE REMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTORNEY GENERAL OF TWO STATES, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND VETERANS IS PREVENTING ME FROM OBTAINING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS. THIS COMPANY ALSO SO PLACED OVERLAPPING NON LEGITIMATE DEBTS ON MY CREDIT REPORT. FRAUDULANT!! REMOVE IT IMMEDIATELY!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-12 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion will not verify complete file information including my full name, address, date of birth and SSN # for the questionable items on my report. My ex-wife has fraudulently opened accounts and attempted to get credit in my name. It's becoming increasingly difficult to obtain credit and get decent interest rates with this inaccurate information on my 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 explanation
Consumer complaint received 2021-02-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I've recently reached out to XXXX XXXX  and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.

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 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: DC

Complaint narrative:
I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX FORMERLY XXXX XXXX VERTERAN AND PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTARCT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! this company is committing fraud AND ILLEGAL ACTIVITY BY RE-AGING A NON LEGITIMATE DEBT!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS COMAPNY DSICRIMNATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS ASSAULTING XXXX PERSONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have a car loan with Wells Fargo. Their online system does not allow you to set up payments that exceed three times the payment established in the loan ( my car payment ). They do not allow you to set additional automatic payments. I called Wells Fargo and explain I'm an XXXX XXXX service member and feel that they are putting an impediment on the customer by not allowing this feature. The means the customer has to call and make the additional monthly payments and makes it difficult for the customer to want to do the " right '' thing and pay off their debt. I spoke to a manager and they were not able to provide an explanation.

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 2021-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
This issue concerns a Cash App transaction. My daughter and I use Cash App to send money to each other. My Cash App account is linked to my XXXX debit card for a checking account at XXXX XXXX XXXX in Connecticut. 

I initiated a transaction to send her {$100.00} on XX/XX/XXXX. I immediately decided to cancel the transaction, and canceled/ reversed it. Cash App labeled the transaction as Reversed. 

The {$100.00} was instantly taken out of my checking account at XXXX, and shows there on my bank statement. It was never put back in. Cash App customer service claimed that the money was sent back to XXXX on XXXX XXXX at XXXX XXXX and they should have it. I called XXXX, and they painstakingly went through ALL electronic fund transactions made on the XXXX, XXXX and XXXX. There was no return transaction. 

On XX/XX/XXXX, I went to XXXX and submitted an official written claim for the {$100.00} because Cash App still maintained that they had sent the funds. XXXX was kind enough to refund {$100.00} pending their investigation ( I have been a customer there since the XXXX ). 

On XX/XX/XXXX, I received a letter from XXXX saying that their investigation had determined that they were not liable for the claim. They took back the {$100.00} they had provisionally given me. In the course of their investigation, they were told by Cash App that the money had already been given to me and was sitting in my Cash App account as a stored balance. ( Again, Cash App had originally said the money went to XXXX )  There is no money stored in my Cash App account. There has never been any money refunded to me. The {$100.00} is in limbo somewhere. 

I have repeatedly contacted the Cash App customer support department, and have received the same response from 4 different people : " File a claim with your bank. '' I have told them many times that I already did that. I have asked for them to call me. I have asked for a supervisor to contact me. That has never happened. There is no published telephone number for them. 

My advice to others would be 1 ) never make {$100.00} transactions -- they are too common and too difficult to trace ( send {$100.00} instead ) ; 2 ) do not try to reverse a Cash App transaction -- instead, get the other person to initiate a new transaction and send your money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I contacted RMP by phone to ask for any paperwork I needed to submit to them to show that this account is being reported inaccurately he refused to send any documentation to validate the legitimacy of this account and the guy hung up the phone in my face. As of XX/XX/2021 I will be sending a certified letter with a FTC report to have this account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
We originated a refinance mortgage with M & T Bank, settling in XX/XX/2020. During the origination process ( which took almost 3 months ) we received our appraisal and immediately questioned the value, which was low, and pointed out that the appraisal had factual inaccuracies that caused the value to be low. We were told by our originator that there was nothing we can do. The low value caused us to have to pay PMI of XXXX {$200.00} per month. We reached out to the Bank after closing and asked to have the mortgage insurance removed, and were sent a form to fill out which also authorized the payment of {$550.00} for a new appraisal. We authorized the charge, and a new appraisal was performed on XX/XX/2020 for an updated value that we felt was accurate, and lowered our Loan To Value to below 80 %. However, our request to remove the mortgage insurance was denied because we have not made at least 24 payments, and because the increase in value was due to market appreciation and not repairs or enhancements. 

This is completely unfair to us as consumers. First, when speaking to the bank we were upfront that the request was for a new appraisal due to errors in the original appraisal. We were never informed of a requirement that the loan must be seasoned for 24 months and requires improvements to the property. Second, the whole reason for doing this soon after settlement is that we were told we have to accept the value of our initial appraisal, even though we pointed out numerous factual inaccuracies.

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 2021-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/21 I traveled into XXXX to get medication for my mother. The location is in a very bad area of town which I am not familiar with as it is about an hour away from where I live. I was in the need of cash to pay for the medication and needed to use my CheckCard with Regions Bank. My card was declined at the location. I think tried to find a bank branch near by and the closest was an hour away which was too far. I attempted to go to various ATMs to take out cash and the card continued to be declined. I have plenty of money in the account so I was not sure why this was happening. I continue to call the bank and due to phone issues they were having I could not get through. Being unfamiliar with the location and driving around I became very anxious and had a XXXX XXXX. I eventually used a credit card and had to pay a cash advance fee of {$50.00} pointlessly. I should have been able to access my money at the bank. after 4 hours I finally got through to the bank and they informed me that they canceled the card due to me not using it enough. They stated is you do not use the card in 6 months they turn it off. With Covid I am not going many places/traveling so I do not have the demand need for cash and when I do there is a bank 5 minutes from me I usually can go to. This Term of the card is no where to be found in any of their marketing material or even the tiny print on the Agreement & Disclosures Statement. This is a horrible business practice to deny access to my funds with no communication of this term at the point of getting the card and or at the point in time in which they turn off the card they could have emailed me to notify me. They have no issue emailing me to sell me or inform me of other banking activities. I called and filed a complaint with the bank and I was at that time informed that the bank will most likely not look at the complaint or review it. This was incredibly disappointing as in my perspective this is a stipulation of the card consumers should be notified in some way.

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 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Scratch Services, Inc.
State: MO

Complaint narrative:
I completed an application for XXXX XXXX  in XXXX XXXX. XXXX offers loans to federal/government employees to assist when needed. Loan # XXXX, was scheduled with the payroll allotment of $ XXXX/biweekly automatically deducted from my check starting XX/XX/XXXX. The agent listed on my application at the time is XXXX XXXX. 

I have worked with my employer since XXXX, however didnt become perm until XX/XX/XXXX during a shutdown. Per my loan app, loan amount : {$3500.00}, w/ 67  pymnts including finance charges total {$5200.00}. 

I like XXXX overall, the customer service is attentive, my account information looks accurate whenever I log into their website. However, when Im checking XXXX, XXXX  or XXXX the information doesnt match. They have different information reported. While my balance is being reported that its only decreasing {$20.00} sporatically. 

In the attachment, I am eligible for refinance. I have paid the majority of the loan back already, therefore I do not owe a balance of anywhere near {$3000.00}. I have missed pymnts due to shutdowns & layoffs. Still the information is not correct. 

XXXX : Reported amt {$3300.00} w/ a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt {$3400.00} w/a balance of {$3500.00}, Monthly pymnt : {$150.00}, Opened : XX/XX/XXXX, Term : 67 months XXXX : Reported amt NONE LISTEDw/ a balance of {$3000.00}, Monthly pymnt : NONE LISTED, Opened : XX/XX/XXXX, Term : 54 months

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation