vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
Hello I do my monthly payments for my credit card, I always make a payment way before the deadline. My 6 months with no interest was going to end in XXXX, I called to let them know Im almost done paying and I havent seen that they charge me for interest yet. The person who I spooked to told me I had until XXXX to avoid the interest fee, as soon XXXX hit they charged me with a big interest fee and I try to avoid it and I been there loyal customer and they wont make a one time fee acceptation. I made paid off what I owe and the balance I have right now its the fee they added to my account and Im trying to get rid of that fee since I made all my monthly payment and Ive been a loyal customer to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

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 2021-10-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 BANKRUPCY ACT OF 1933 I sent my remittance slip/Bill of Credit Approval to Bank of America Processing Center XXXX XXXX XXXX XXXX XXXX, DE XXXX via first class mail. I also sent a copy of my remittance slip/Bill of Credit Approval to the Chief Financial Officer and the Registered Agent via certified mail and return receipt. Both received on XX/XX/XXXX. Until today, the bank has not credited my account and XXXX it pursuant to 15 U.S. Code 1666d. As per UCC 1-202 Notice ; Knowledge was given to the CFO & Registered Agent via cert mail and return receipt. The debt is XXXX upon receipt. Negotiable instrument is legal tender and if it is refused, there is XXXX pursuant to UCC 3-603. There is no money to pay because of the Bankruptcy Act of 1933. A negotiable instrument is legal tender according to the IRS employee handbook and the International Bills of Exchange. They are acceptable form of payments. I received a letter form the Bank to discuss credit card request. This is false and misleading because when I called them it was to discuss my credit card PAYMENT. I spoke with a customer service representative and XXXX XXXX from Client Care, Executive Response Team, Bank of America and neither of them knew what negotiable instrument was. They were not able to help me with this matter.

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 2021-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I requested an international wire transfer with Wells Fargo, on XX/XX/XXXX for XXXX. On XXXX XXXX, Sunday, the day I found out I was scammed, I called Wells Fargo, explained to the representative A that I was scammed XXXX. The representative XXXX  told me there is nothing she could do over the phone that I would need to go to a local branch to stop the transaction. Then, I tried to make an appointment over the phone for that Monday ; however, they were all full that day and the earliest appointment was XX/XX/XXXX. I went to the local bank on XX/XX/XXXX, where I did the wire transfer with representative XXXX on XX/XX/XXXX, explained to him that I had been scammed and want to do a reverse transaction or do a charge back. The representative XXXX wrote down my phone number and said he will call me back for an appointment. I am upset because the representative XXXX didnt take the matter urgently. He didnt seem to care or concern that XXXX may be withdrawn by the recipient. He said he will call me back to schedule an appointment and we will handle it. When doing a swift recall it is time of the essence. The representative XXXX should have reach out to his coworker to help me with the circumstances despite his appointment with another client. Instead, he reach out to representative XXXX on XX/XX/XXXX to help me with the matter since I have an appointment. Although international wire transfer takes up to 3 business days to complete, I believe there was still a chance to stop the swift recall. Instead, the recall was initiated on the day I made an appointment on XXXX, XXXX. The swift recall could have initiated 24 hours sooner. Because such a large amount of money was wired out, XXXX, the representative XXXX should have take the matter seriously especially knowingly that was a scam wired transfer. Since it hasnt been more than 3 business days since the wire transfer, the swift recall could have been initiated that Tuesday and potentially that XXXX would not have been withdrawal by the recipient. 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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
My billfold stolen XX/XX/21 at XXXX XXXX, XXXX, NV. I immediately called the XXXX police and filed a report ( XXXX ), then I contacted all the credit cards that I could recall were in my billfold, as well as contacting my two financial institutions. There were charges attempted and a few successfully with my cards. Macys is the only card I am continuing to get threats, payment requests, and continuous phone calls. I have written and called Macys and received a letter that the issue was resolved, and there was theft/fraud.

I do not understand why I am continuously asked to pay for something I did not Purchase, I have sent several payments because I have been told I will be reported to all three credit agencies.

I have never activated a replacement card which Macys sent me, yet the charges on the stolen card were transferred to this new account. I have repeatedly requested all monthly statements to date from Macys, and so far have received none. I am at my wits end, I dont want to continue to pay for a theft from me. Please advise what I can do next to resolve this issue.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I applied the {$100.00} of $ XXXX boost on a XXXX order. However, on XX/XX/2021 morning, I received notification from XXXX that the order has been cancelled. I contacted XXXX and was informed that the order was cancelled since they were not able to verify the payment with the card issuer, which is CashApp. I was informed that the money was never taken out from my account as if the transaction/order has never happened. XXXX informed me that it was the bank that declined the transaction. I tried to locate the transaction in the transaction history tab but could not find anything. 

Since the order did not go through, I would like to use the {$100.00} off XXXX elsewhere. However, I could not locate the XXXX anywhere in the App. I would like to request to add the XXXX back to my account so I could use it. I am asking to have the XXXX applied to my account so I can add it to my card, since I have met the condition of unlocking the XXXX. Im eligible to use it, and I havent used it yet. Just want to reiterate that I am not asking for a reimbursement of the XXXXXXXX, and this is not an issue about a XXXX not been correctly applied to a given transaction. All Im asking for is to add the XXXX, which I am totally eligible for and have not used yet, to my account. 

I have chatted with several customer service representatives, including XXXX and XXXX, trying to resolve the issue. However, I was given random, computer-generated replies, some of which even have nothing to do with my issue. It seems that XXXX, the agent I chatted with, does not even bother to look into my issue and just want to end the chat and dismiss me as soon as possible. After several failed attempts, I was left with no choice but to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Lowe 's credit card and received instant credit with a {$1000.00} limit. After about 6 months after my account was already at {$380.00}, I was informed that they had reduced my credit limit to {$380.00}. Then after being around eight days after the due date of the XXXX, I got my bill and realized they didn't give a ten day grace period which is normal with all of my credit accounts. I then tried calling several times trying to talk to someone about changing the due date so it would correspond with when I get paid as I have been having it hard financially since my XXXX benefits were stopped unlawfully by XXXX. I was unable to reach a live person. Instead of adding interest for a late or missed payment, Lowe 's doubles the amount of the payment making it even harder on someone to maintain their account. They then closed my account a couple of months ago but keep adding the payment amount of {$40.00} each month, then doubling it, etc. This is a very unfair practice of a credit card company. When I called this morning to try to work this situation out, the man kept avoiding the issue at hand and kept claiming my account # wasn't correct even though I read it first off the card. He said I needed to read it off the statement, so when I got one he claimed it still wasn't correct. He kept avoiding the unfair practice of Lowe 's. I ended the call at that point.

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 2021-10-26 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: USCB, Inc.
State: GA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I submitted CFPB Complaint # XXXX requesting Experian remove the FRAUD ALERT from my credit profile. I even sent the demand to their attorney on XX/XX/XXXX clarifying they were not entitled to have a copy of my ID or any other personal information outside of what's necessary to identify they have the correct profile pulled up. 

In a correspondence dated XX/XX/XXXX from Experian 's attorney, XXXX, she states that Experian removed the fraud alert from my credit profile. This is false. Experian intentionally and willfully refused to remove the fraud alert from my credit profile. 

Instead, Experian changed the original date of the fraud alert from XX/XX/XXXX and falsified the reporting claiming that I requested the fraud alert on XX/XX/XXXX. I did not. They put a 1 year fraud alert without my permission. 

I am demanding the fraud alert be removed completely and immediately. I do not give permission for a fraud alert to be on my credit profile.

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 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

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 2021-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I applied for a credit increase with XXXX XXXX. After applying XXXX advise me of information on my credit report that was incorrect. I believe the credit report pulled by them was at least 6 months old and outdated. I contacted the credit bureau that XXXX XXXX pull and they advised they did not show the information that XXXX had on file. 

I then called XXXX back to advise them the information that they advised was on my current credit report was incorrect and/or outdated for more than 8 months. The file or report used by XXXX was the reason I was denied credit. I have filed a complaint against that reporting agency as well for providing an outdated report to XXXX. 

It is my belief that XXXX is using outdated files when pulling credit reports of clients. I reached out to both Experian, XXXX, and XXXX XXXX regarding the information XXXX stated during my call with a representative on XX/XX/21, XX/XX/21 and XX/XX/21. I am not sure where and how XXXX is reviewing credit but their file does not match either of the two credit reporting agencies. 

I did not receive a credit pull alert from XXXX or from the credit reporting agency that my credit was pulled by XXXX. 

failure to use current or correct reporting data is a form of discrimination against any/and all customers and a violation of the Federal Trade Commission XXXX 

Using old and outdated reports for the certain customer ( s ) is a form of discrimination. 

There needs to be a full investigation into the pattern and practices used by XXXX for customers with being reviewed for credit increase with limits under {$5000.00} versus customers who may already have a credit limit above {$5000.00}. 

XXXX advised me they used reports from Experian and XXXX XXXX to review my request for a credit increase. 

Once again I did not get any alerts that my credit had been pulled by 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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My Paypal account is not working despite multiple attempts to resolve issue. 

I get the following error message for all of my payment methods : We aren't able to process your payment using your PayPal account at this time. Please go back to merchant and try using a different payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
The loan was closed on XX/XX/XXXX and per the attached document, disbursement should have been completed on XX/XX/XXXX. As of XX/XX/XXXX, I was notified that there is a disbursement delay, which is causing financial hardship as I must make another payment to my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: MoneyLion Inc.
State: TX

Complaint narrative:
MoneyLion was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.

Company response to consumer: Closed with explanation