vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I borrowed a personal loan of {$35000.00} from Upgrade on XX/XX/2019. Though the loan amount was disbursed only {$32000.00} as {$3000.00} went towards origination / processing / application fee. 

Interest rate : 21.93 % per year Since then I have already made the payments as below : Total amount paid until now : {$23000.00} Amount credited towards principal {$18000.00} Amount credit towards interest {$5800.00} Loan balance as of today : {$22000.00} I understand that the interest is being unfairly being applied to my account as a result the loan balance is not going down. 

I have enclosed the loan agreement form and the details of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Ascendium Education Group
State: RI

Complaint narrative:
Keep getting phone calls from the following numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Callers state they are contacting about student loan services and each time I have asked the name of the company they represent but won't give me any further info. I have asked to be removed from their call list ( s ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
On XX/XX/2021 I Purchased an item from XXXX for XXXX. An authorization hold was placed on my card ending in XXXX. The store I ordered the item from did not have the item in stock so they cancelled the order. The authorization hold was removed and returned the following day XX/XX/2021 by XXXX Transaction # ending in XXXX. Today is XX/XX/2021 I have reached out to Fortiva Customer Service via telephone and chat multiple times totalling 10 or more. They refuse to refund this money saying it has not been refunded. I contacted XXXX customer service again obtained screenshots from there computer systems showing the transactions and refunds again Fortiva said it could take up to 30 days. This is not the only refund I was owed I. Owed refund from multiple retailers totalling around {$200.00} However when I threatened to contact the XXXX my entire account history and all transactions were erased from my account. They are not accessable online or by telephone. I refuse to pay this bill until the proper adjustments are made. I am now over the limit when I should only have a balance of around {$200.00}. This company lied multiple times and has broken numerous Debt Laws. When threatened with CFBP my entire account history has been erased now I have no idea what they have charged me and for what transaction or when.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Was not notified of investigation status or results
Company: Great American Finance Co
State: IL

Complaint narrative:
I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a checking account and brokerage account through Citibank. In 2020, their brokerage operation requested KYC information twice. I called back after I received a paper letter request ( I was told the issue was new stock purchasing pattern ). I also responded to an emailed request to update my details through Citi 's mobile app. Despite of this, Citi froze my checking account. Relationship manager XXXX XXXX was able to restore my checking access after a couple of days. Later to the surprise of XXXX and myself, Citi 's brokerage operation again froze my checking account. Branch manager XXXX XXXX promised results from internal investigation two months ago, but I have not heard back from since. Two days ago I got a third request from Citi 's brokerage operation for urgent information update, again with the threat of freezing my accounts. 

Repeat information requests and multiple account freezings have taken together almost a full working day of my time. They have also caused delays paying my house building contractors and I had to spend time finding alternative payment methods. It seems to me an overreach for brokerage operation to freeze access to my checking account funds. It may not even be legal.

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 2021-04-20 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I went to XXXX XXXX XXXX in XXXX Florida very sick with XXXX  XXXX. The Urgent Care Provider asked us to paid {$75.00} each for our deductible total of {$150.00} to see the doctor. Two days later our XXXX XXXX tests confirmed according to XXXX that were suffering from XXXX XXXX. Per the CARES Act our medical insurance Provider is responsible for 100 % of our care due to XXXX XXXX. Our insurance carrier XXXX XXXX XXXX XXXX XXXX  confirmed in our claim statements that both my wife XXXX and me had no financial obligation to XXXX for the charges they made on our credit card and we were due a refund of {$150.00}. 

XXXX does not return phone calls left to their billing department so on XX/XX/XXXX we disputed our 2 credit card charges with Capital One. On XX/XX/XXXX I talked with XXXX Final Dispute Mgr at Capital One and she told me she would NOT ask XXXX for any documents regarding our disputed charges and without going forward to see if XXXX would honor our dispute and refund our money she simply denied we had any recourse under the CARES Act or various CFPB Guidelines that has dealt with XXXX  XXXX issues. Capital One totally ignored two Federal Laws by denying our disputes without fully investigating our claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I became aware there were fraudulent accounts on my credit report and wrote to Experian a certified letter with my affidavit to dispute and correct this information on my credit report. I spent approximately {$38.00} on XXXX tracking. I have a family to provide for and did not review my credit again until XX/XX/XXXX and noticed I had not received any correspondance from the credit bureau Experian nor emails pertaining to my dispute of this fraudulent account. On XX/XX/XXXX, I sent a second certified letter to Experian for another cost of {$38.00} and here is the tracking information for your reference : XXXX Tracking : XXXX Sent out XX/XX/XXXX, Del XX/XX/XXXX. Upon reviewing my credit report today, XX/XX/XXXX, it has been well over 30 business days and this is a violation of my rights under the Fair Credit Reporting Act.

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 2021-04-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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
Consumer complaint received 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is ESSENTIALLY IGNORING ME. I have now 7 letters from my Electronic Bill Payment Service stating that there was an incorrect payment address. I will send that to them. They're being HUGELY negligent to my issue and have IMPACTED MY CREDIT. I need HELP ON THIS ISSUE. 
In summery- they CLOSED A PO Box WHERE I WAS MAKING MY PAYMENTS LAST YEAR, the 2nd month into the pandemic. I received notices of RETURNED PAYMENTS and fixed the address by calling CITIBANK. 
They accused my of DELINQUENT PAYMENTS and CLOSED MY ACCOUNT. 
They are in error. They will not admit it.

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 2021-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello, today I spoke an agent via 5th 3rd bank 's chat service inquiring about getting all previous fees charged at {$37.00} each removed dating from XX/XX/2020 till now totaling {$300.00}. I was advised that they were only refunding two fees which was done and no more per the banking policy. I explained that as a long term customer I am aware the fee removal is normally 2, however with the pandemic and the aftermath these are not at all normal circumstances. Basically I was disregarded and told there was nothing further to be done, so I asked for upper management 's assistance and my contact information was taken. I feel it's horrendous the way this financial institution has accessed fee on top of fees taking advantage of this situation as if this is normal times for people. I've not left my account in an overdrawn status for longer than 4 days you all could have at least extended the time to give people a fair opportunity to bring it current that way you all were at least doing something more than your " normal practices '' while people gather themselves during this time.

Just for reference, below is the explanation and response I sent to the agent as well : " I really hate to bother you all but as you know this pandemic has been putting a strain on a lot of people. Gratefully I just finally got a better paying job so I don't have to be concerned with these fees. However it's putting a heavier strain on me with me catching up on everything. Could you all please waive all fees accessed? '' after being told nothing they could do my response was : " Listen I can understand that under normal circumstances, however you all are fully aware that the nation is not running operating under normal circumstances with the aftermath to the pandemic. So if you can't help, I'd like to be escalated '' I find it very unfortunate that 5th 3rd Bank isn't doing much of anything to help their clients during this time, however hopefully they will implement something efficient to help those that have helped them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I was notified by this Third Party namely Glasser and Glasser P.L.C of a CIVIL CLAIM FOR MONEY regarding a WARRANT IN DEBT. I replied to this Third Party and never got response from them and now they have submitted this Warrant in Debt with a Civil Claim for this Alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Lvnv Funding Llc has not supplied me with the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, must terminate this collection action, and correct any erroneous reports of this debt as mine. 

Lvnv Funding Llc never provided any proof, as well as left Derogatory marks with the intent to hurt my ability to obtain credit which causes a detriment to my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OR

Complaint narrative:
Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX anyone!! We filed a fraud claim. In the meantime, XXXX XXXX " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2020 CAPITAL ONE agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... US DEPT ED XXXX ... MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently challenged the validity of XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureaus ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report 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