vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I applied for an Aspire Credit Card, which was promoted as having no annual or monthly fee. After about 12 months of use of the card, Aspire apparently changed its fee structure and started charging me a $ XXXX fee, which I did not notice until today. I carried a balance on the card until paying it off in full earlier this fall, so did not notice the extra $ XXXX in charges. 

Aspire invited me several times to sign up for XXXX of statements and notices, but I prefer paper notices, so I never opted-in to XXXX 

Despite this, XXXX apparently never notified me in writing of its new fee structure. I asked when they mailed me notice of the new fee, and they told me I was sent an " email notice '' in early 2023, But if such an email was sent, I never saw it. I recieve hundreds of emails a day, so if such an email was sent, I did not see it. 

As such, I have apparently been charged $ XXXX for at least XXXX months, without notice to me or my consent to such charges. I would like to be refunded for any of these charges that were placed on my card. In a phone call with customer service, I was told that the $ XXXX maintenance fee is " automatically added '' after the card account is open for a year. I do not recall any disclosure of this escalating fee structure. 

When I called to cancel my account, the first XXXX customer service representatives told me that a request to cancel my account would take " 45 days '' or " XXXX business days '' to process, and that the $ XXXX fee would be deducted during that time. Only after I identified myself as an attorney did the customer service rep ( the XXXX one I spoke with ) agree to cancel my account more quickly, and to remove the existing {$10.00} balance ( XXXX monthly maintenance fees ). 

This undisclosed increase in fees and XXXX cancellation period seems extremely sneaky to me, and since XXXXspire markets itself as a " credit recovery '' credit card, I suspect Aspire is deliberately taking advantage of unwary consumers. I signed up for the Aspire card because I recently exited a personal bankruptcy, and Aspire was the only " XXXX XXXX XXXX credit card that did not charge monthly or annual fees.

Secretly charging a monthly fee added after XXXX XXXX feels like a bait and switch deliberatly structured to mislead consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed XXXXXXXX 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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I had one more payment to pay in total I paid XXXX the total payment on the account of the loan was XXXX. I missed one payment and they did email saying it was missed but the payments for every paycheck proceeded. I was late on the first payment so I knew I was one payment behind. As I am trying to pay it off the agent on the phone tells me that I owe XXXX. He explained that I was only paying for the interest rates and not the principal. So this entire time all the money was going to interest. I spoke to a supervisor and she explained well this is how it works and nowhere on an email I received from them does it let me know or the contract which I asked and they do not know where that information is under. They told me the document was on my account andthey did not want to provide any more information. So, now this loan is costing me {$6200.00} not what we signed for in the contract in the beginning. How is this being allowed?

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 2023-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mid-Atlantic Finance Co., Inc.
State: KY

Complaint narrative:
I bought a car from a buy here pay here place in XXXX Ky. The dealership sold the loan to Mid Atlantic Finance in XXXX Florida. I was contacted and told the agent at the time, that the payment is due on the XXXX of each month, but not past due until the XXXX. I told them not to contact me unless the payment is past due and they agreed. 

They contacted me as a " Courtesy Call, '' on the XXXX to let me know the bill was going to be due on the XXXX. I told them not to do that again. 

They contacted me the next time on the XXXX, and told me the bill was late, and if I didn't pay I would be charged extra fees and my credit would be affected. I bought the vehicle at a buy-here because I am going through bankruptcy at the moment and needed a vehicle to replace one I lost from voluntary repossession. I again told them to not contact me at all. 

So the next month, they called my WIFE and demanded that she tell me to make my payment, on the XXXX. Then they contacted her on the XXXX. Again, I called and told them to no longer call me, at all, period. I followed this with an email. 

They just contacted me again, on the due date, not the late date, to demand I pay. Against my wishes. 

Since I have had this nightmare of a company, they have harassed me, and my family, each month with no cause, no reason, and in direct violation of my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
CREDIT MANAGEMENT IS SHOWING ON MY CREDIT REPORT AS IF I OWED XXXX XXXX  {$270.00} THIS IS NOT ACCURATE, I PAID THIS BALANCE TO XXXX  XXXX  PLEASE REMOVE THIS FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Please consider this as refiling of my complaint to the DEPT OF ED/AIDVANTAGE for allowing the fraudulent accounts and for not taking corrections until this time on my credit report and I have attached the report with identity theft number XXXX. They allowed the fraudulent accounts to be reported in my credit file and I sent out the dispute letter to the bureau and to the company but they never take action. As I checked my credit report fraudulent accounts are still reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On the afternoon ( around XXXX ) of XX/XX/2023, I was the victim of a scam. The scammer called from the XXXX Sheriff 's Department and he had done some up front work in that he knew I am employed as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He had also obtained current and previous addresses of mine. 

The scam was that I had not shown up for jury duty and that I was being charged a Failure to Appear and a XXXX XXXX XXXX charge. He told me the total cost to me would be {$2800.00} and that if I paid right away, I would see the XXXX on XXXX XXXX in one hour and half of the money would be returned to me. As fate would have it, I did miss jury duty during the pandemic and had never received a response to my emails. Also, as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX if I were to receive any legal charges, I could lose my job, and/or my license in an instant. I sent the money over XXXX to some Sergeant whose name now escapes me. 

I contacted Wells Fargo, where I have banked for 20 years, right away. The lady in the XXXX Department that took my call was empathic and she said she likely would have also fallen victim to this particular scam. As I have mentioned, this happened late in the day on XX/XX/XXXX. On Saturday, XX/XX/XXXX, I received a letter dated XX/XX/XXXX, indicating that Wells Fargo had completed their investigation and I would not be receiving any funds back. I filed a complaint alleging there was NO investigation of any kind. ( I have had a couple of other scams or unauthorized charges previously with Wells Fargo, and the funds were returned immediately. ) I waited over XXXX months for a response to my complaint and I have emails dated XX/XX/XXXX where I informed the Wells Fargo Enterprise Complaints Management Office ( WFECMO ) that I had tried several times via phone to contact someone who could explain all of this to me. No one from fraud or customer service helped me. Once I was told the case specialist was away from her desk. In another attempt, I spoke to a man named XXXX in the Fraud Department who was very rude, unnecessarily cold, and condescending towards me. He looked up my case and told me it had only been 5 days and that they had XXXX more days to respond. ( Recall I had already received a letter after a day and a half ). So he was basically dishonest and did not want to deal with me. 

I could not comprehend why I felt punished by Wells Fargo. They also took away my access to XXXX for a period of time. I filed a XXXX complaint escalating my first complaint, and of course, waited for another month to be told I would not be receiving any funds back. By the way, I filed a police report for the scam.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was just looking at my equifax credit report and my personal information has been updated an dis correct but I have a account that needs to be Removed immediately. I have never had a card or any kind of business with these companys. I know that I have the right to a Fair and truthful credit reporting experience. I was sent a letter in the mail about this company. The information was incorrect. It had a differnt Name and account number. 

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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
This is for claim # XXXX Back in XX/XX/XXXX to about sometime in XX/XX/XXXX I had fraudulent transactions occurring on my account in the amount of about {$2200.00}. During XX/XX/XXXX to XX/XX/XXXX I was incarcerated in jail for unpaid traffic tickets. I couldn't possibly have made those transactions as I was in jail. I immediately contacted Bank of America about the fraud as soon as I was released and I became aware of the fraud. After I opened the claim I uploaded documation proving that I was incarcerated during the time of the disputed transactions proving that I couldn't have possibly made the transactions as I was in jail. Then sometime in XX/XX/XXXX the claim was denied and my prepaid account was closed. Then sometime in XX/XX/XXXX the claim was reopened by Bank of America. It has been now almost 3 years and the bank says that the claim is still under review. I call in at least a few times a month with no updates other then it's still processing. Then sometime in XXXX the bank sent me a check for {$950.00} ft or compensation for not allowing me to access the funds in question. I don't understand why the bank would even compensate me for this if they weren't going to approve the claim. I called and asked the bank why they did this and they said that was separate then the claim. But if the bank wasn't going to approve it then why would they even compensate me at all. It doesn't make sense. I have also requested all of my banking statements for my account as well as all documents pertaining to the claim. The bank is yet to provide me with any of this. Please I really need the money that was stolen from me back and I really could use it right about now to avoid becoming homeless.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-11-13 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These accounts greatly affect my credit history, I want it to be reviewed and the negative information removed 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 non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
Have completed 3 or more trial modification plans with Flagstar bank. There has been errors with my name and the finalization of modification documents upon 3 trial payments being made. Flagstar has made 2 PMI claims for my mortgage, but they do not complete finalize paperwork after trial payments were made. They have also lost my trial payments too. Again, XXXX XXXX they have denied me mortgage assistance because of Flagstar errors processing my mortgage assistance. XXXX XXXX, XXXX. I emailed required mortgage assistance documents to keep my home. Flagstar told me to resubmit request to correct the processing but upon receiving my information they have not corrected my mortgage. Don't want to lose my home to foreclosure. Please Help

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number 585-975 clearly violate this provision.

Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number XXXX clearly violate this provision. 
Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately

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