vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
Good Afternoon, My credit card on XX/XX/XXXX was charged 4 times for purchases in MA and FL on the same day. This charges exceeded {$200.00}. I immediately alerted the credit card company these were fraud. 

After being on hold for an excessive amount of time, the company told me there was nothing they could do until I filed an affidavit, which they would mail to me. Today is XX/XX/XXXX and they have yet to send it to me. 

I just made a credit card payment and I had to pay the interest on these fraudulent charges. I asked many times to speak with a supervisor and the answer was the same - - we can do nothing for you - - this is our policy. 

In addition, while speaking with the associates from the credit card company they were dismissive, secretive and abusive. I live in XXXX, was in XXXX when these fraudulent charges occurred. My card was on me, however, they did not care. Oddly, at the same time, they offered me a credit line increase so I would spend more money. 

I am also XXXX and have XXXX  XXXX. No one would help me, or care to help me. I am paying interest on fraudulent charges and no one will help me. 

Thank you.

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 2022-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I sent debt validation letter via certified mail on XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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:
Around XX/XX/2020 I contacted XXXX XXXX to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit 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 2022-03-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been disputing some errors in my credit report and it has been more than 60 days with no response from the 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 non-monetary relief
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX  Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2022 Affirm reported to XXXX credit bureau that I had an active loan with them in the amount {$160.00}. However, I paid this loan off 1 month before on XX/XX/2022, and because of their error my credit score dropped by XXXX points. I have attached the following information to confirm that the loan was paid off on XX/XX/2022 : 1. Transaction history from Affirm directly which shows that the loan was paid off on XX/XX/2022 in their system. 
2. A copy of my XXXX XXXX account which also shows all payments made and paid on time confirming that loan was paid in full Cell phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2022 I received a text message from what appeared to be Wells Fargo asking if I had initiated a XXXX transfer for {$2500.00}. It asked me reply Y or N. I replied N. Soon after, I received a phone call from what appeared to be a Wells Fargo representative to " help '' me recover my funds. He was very professional and I was taken in by him. He told me I needed to " self-pay '' the funds back to myself. He had me use XXXX to pay myself first {$1500.00} then {$1000.00}. Even though it was my name and my phone number on the XXXX XXXX, the money was, of course, routed to the thief. I immediately called Wells Fargo and was issued a provisional refund of the {$2500.00} while they investigated. Yesterday I received two letters from Wells Fargo Fraud Department, one for each transaction, telling me that the provisional refund would be taken out of my account on XX/XX/XXXX as there was no evidence of fraud. I was completely taken in by this person, spoofing Wells Fargo, then spoofing my phone number and name to take {$2500.00} from me. Does Regulation E : Electronic Fund Transfers not protect me against this kind of fraud? 

Wells Fargo did take the provisional refund out of my account yesterday. I wrote a letter to the bank a week ago, included the police report but have not heard back from 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 monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank refused to cash any of the US Government XXXX XXXX Savings Bonds I tried to deposit in my checking account. They would not even look at them. When I said that I think they had to process them for deposit by law they said I was wrong. They said their bank 's policy was to not process any savings bonds at all because there is so much fraud involved. Like I say, they would not even let me show the bonds to them. They told me to try the Federal Reserve.

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 2022-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Hi, Navient will not stop harassing me. This is the voicemail I received from their company.. 
The number is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There were a couple of incorrect items on all three bureaus. I sent a dispute letter to all three bureaus ( Experian, XXXX, and XXXX ) on XX/XX/2022. I then sent another letter on XX/XX/2022, letting all three bureaus know that they have 30 days to comply. The 30 days have passed and I have yet to receive any response.

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 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Purchased pre-paid American Express gift card on XXXX at XXXX. Went to website and the card says is not activated, went to XXXX and was told that there is nothing they can do once the card is activated by them, contacted card company on XXXX to resolve the issue. Was told that it will be resolved in 3 business days, after the full 3 business days, I received no communications. I contacted the company again and was to told to wait another 2 business days. 
As of today, XXXX, I have not received any communication as to the status of the card. 
Both XXXX and the card company refuses to provide any resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried getting this issue resolve directly with equifax, equifax has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
so here 's the deal. i bought a house last year, closed on XX/XX/XXXX and then right before i was to make my first payment, i was laid off. i immediately requested a 1yr deferral of payments per the covid bill which was granted. during that time, XXXX XXXX said their investors were also giving another 6 months on top of the 12 and i indicated i would like that just in case. 

shortly after, the loan was sold to Freedom mortgage who says they " arent sure '' if theyre offering the same 6 month extension even though theyve admitted that they have the same investors. they also fudged my paperwork and requested a restart of payments on XX/XX/XXXX instead of an EXTENSION as per the 6 months allowed by the investors, and on top of it, said my 1yr deferral expires this XX/XX/XXXX...... which is the 1yr anniversary of when i bought the house, NOT when i requested the extension. 

on the call today, Freedom mortgage said there was nothing she could do to get it out of a loan mod and in to an extension, and then when i said OK, you know what, i think its time i call the CFPB and the VA, she changed her tune to " oh you know what i can re request an extension '' when she said she couldnt 5 minutes before that. im over it now and clearly they are playing dirty, nor would she put in writing the requests i was making ( deferral for 6 months after initial 12 months expired, converted to 40yr mortgage and then interest only payments for the first 4 months after ). i told her this house has equity and i have a permit showing another 2 bedrooms im adding downstairs so you have nothing to worry about. 

time to possibly take l ; egal action or submit a complaint to you guys.

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 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX said that I had a late payment and did not. I was notified by XXXX  that I never paid my bill on time. After they researched my account they found out I tried to pay it and the agent at XXXX didnt do their job right. XXXX reversed all my late charges and apologized. I disputed it with the credit bureaus after XXXX said they could do nothing. XXXX is still reporting that I am late

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 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I paid off the loan a while ago, and since then I had a full refund issued. 

I have been told for the past 2 months that I would be receiving the refund of {$700.00}, and it just never happens. I have been told numerous times that someone would be reaching out by this date or that date, and nothing. 

I have copies of the refund being confirmed and issued by the vendor as well. 

It has become apparent that they have no intention to actually issue my refund on this. 

I am not sure where to go from here, or if this is even the proper venue for it, but any help/guidance would be appreciated. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX opened XXXX XXXX & Account # XXXX opened XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
THIS ACIMA ACCOUNT WAS FRAUD. I NEVER OPEN THE ACCOUNT, THE ACCOUNT WAS OPEN ON XX/XX/22 I RECEIVED AN EMAIL ON XX/XX/22. I CALLED RIGHT AWAY INFORMING ACIMA THE ACCOUNT WAS FRAUD AND I NEVER OPENED THE ACCOUNT. THE ACCOUNT WAS OPENED ONLINE AND FINANCED THROUGH ACIMA IN MY MAIDEN NAME XXXX XXXX. I HAVE FILED A POLICE REPORT WITH XXXX XXXX POLICE DEPARTMENT MY REPORT NUMBER IS XXXX. THE COMPANY STATED I ALSO NEEDED TO FILE A REPORT WITH CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank created a new overdraft protection in XXXX called XXXX XXXX. This was heavily marketed to me on the mobile app and email. I applied and was given a person line of credit for the XXXX XXXX of {$1000.00} in XX/XX/XXXX. 
In XX/XX/XXXX Huntington updated their terms stating ; " Line amount and ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts on any of your Huntington deposit accounts. '' I was informed that do to either my average daily balance or my deposits decreasing that my credit limit would be lowered unless i deposited more money. Customer Service could not tell me where the decrease was because my deposits had not changed nor had my average daily balance gone below where it was when I signed up. In XX/XX/XXXX my credit limit was lowered to {$750.00} and my credit report took an XXXX point loss because the lender decreased my credit limit. 
I have not had any balance on the XXXX XXXX and do not understand why they lowered the limit and impacted my credit score because I am not putting more money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND COLUMBIA DEBT RECOVERY IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. COLUMBIA DEBT RECOVERY is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My tax return was suppose to be direct deposited and so I made a couple of payments on my Kohls card but they were returned, then Kohls did not even reach out to me I have checked my voice messages and email and instead put a freeze on my card. I noticed all today and called customer service immediately to tell them what happened and let them know I am work a lot of OT at XXXX XXXX XXXX IL XXXX and would be paying the card off in full starting on XX/XX/XXXX and then twice monthly. The girl then transferred me and then some guy answered and made me go through the entire explanation AGAIN and he then said they had put a freeze on the card balance is about {$2200.00} and he said I had to pay over half of it by XX/XX/10 or they would shut the card down!! I told him I need more time and asked for the corporate number and that I will shut it down myself based on how they have treated me after my being with them over two years and spending do much and always paying on time!! He said he could not give me the corporate number so I told him I would contact them through your office!!! I looked online and none of the corporate numbers work!! They have horrible reviews many having some of the same issues I am, plus billing errors, coupon errors, junk products, return issues, missing refunds, etc. XXXX also gave me a negative remark on my credit reports trying to ruin my credit as they have others!! I need two months to pay off my balance then I want the card closed at my request due to the way I was treated and will never do business with them again and tell all I know to do the same and I know a lot of people have worked in government and investment banking most of my career!! It is no wonder they are ready to go under as the news and XXXX report!!

Company response to consumer: Closed with non-monetary relief